CHARTER ONE BANK Charging Insufficient Funds Fee when the Funds were there. Nationwide

So I recently got charged 351 dollars from my Charter One account for Insufficient Funds Fee's. The thing I cant understand is that I didnt have Insufficient Funds. And yet its not a banker error. I have talked to two people in person and another on the phone through the help line and the same story is coming back to me. This just doesnt add up.

I realized the other day when Capital One took a payment out on a week that it wasnt suppose to come out that I was going to be close to zero in my account. I added everything up that I had spent and needed to spend and realized I needed to add some funds to my account. So I went and Deposited 40 dollars in Cash to the closest bank. I then proceeded to ask that teller if there were enough funds in the account to cover everything and if anything that was hold was covered. Followed up with, "Will I get any fee's?" She looked in my account and said, "No this will cover everything" Ok So I think I am ok.

The next day I wake up to look at my account online. I should have about 350 dollars from my direct deposit check instead I am looking at 17.55 in the hole. I look at the activity and they charged me 195 dollars for insufficient funds when my balance was still at 130 dollars. This then put me in the whole and made every purchase to come out after that to get even more fee's. So after my 330 dollar pay check I was left with 17.55 negative.

I go to the bank and talk to the manager. She informs me that the later items that posted were on hold causing the earlier ones to get fee's, then the items on hold got fee's themselves. I brought with me a print out of the online account and showed her how if you take my balance and subtract how much was spent there was still funds available. But it meant nothing to her. She just kept informing me that it wasnt banker error and they wouldnt do anything to fix it.

Today I called the help desk and talked to a very nice girl named Danielle. I felt bad that I got her because she was telling me that she was going through something similar with her bank. But once again she said it wasnt banker error as much as the bank screwing me over. Her explanation was that the items on hold caused the fee's. I explained that there was enough funds and she agreed. She then continued to say sorry she cant do anything and that it wasnt banker error.

My question is why does charter one feel they need to steal my money in this matter? I mean if you treat people this way there is no way that they will stay with you. I am closing my account as soon as I am financially able to which should be about 2 weeks. And never looking back. At this point its the principle of the matter. I am now in a financial crisis that I shouldnt be in thanks to Charter One charging me insufficient funds fee's even though the funds were available.