Your incompetence stuffed up my credit record

I've been doing deposits for my 2 credit cards via atm for a long time. Since Feb this year You guys have technical issues, my payment were not clearing, credit limits were being shifted, bank fees were not charged in one month n then doubled charged putting me into major arrears n I can't come out of it.payments meant for one cc was allocated to the other and you guys took 1 month to sort it out n then we have rude consultants who hang up on you while talking. I've been to the branch n tried resolving it but I'm getting into deeper debt.