Citizen's Bank will not reverse unfair overdraft fee Glens Falls, New York

Recently, I used my debit card attached to my Citizen's checking account to pay part of my UAlbany orientation fee.  

The school made a mistake and initiated an $80 charge instead of the $10 partial payment I'd authorised.  They reversed the charge the same day, and charged the appropriate $10.  

However the $80 was still on hold in my account, creating a negative 'available funds' balance.  I had $31 in the account, to cover the $10.  When the $10 charge posted, however, it posted against the negative available funds.  

Consequently, I was charged a $39 overdraft fee.  I called the bank, figuring that since no actual overdraft occurred (the $80 was never actually claimed by UAlbany), they'd reverse the fee.

Instead, I'm told since it's not a bank error, they can't reverse the funds.  I was told to contact the merchant (UAlbany) to request a refund of the fee.  Even the student financial center representative I met with, in an attempt to get the fee as suggested by the bank in my first phone call, spoke to the bank during a second call.  He argued with their supervisor at their customer service phone center on my behalf for close to 20 minutes and got no further than I did.

So Citizen's Bank is making a profit off me.  I am a disabled college student, living on SSD and stdent loans.  And they are making an unfair profit off me.  I willingly pay overdraft fees that are my fault.  But this is not my fault, and I'm still out $39.