PNC BANK overdfat rip off Cherry Hill New Jersey

I have a feeling this is wrong or maybe im in the wrong and just yelled like an uneducated ape at some young, indifferent college girl working customer service making money to pay for her beer, but i got a letter in the mail claiming that due to a PENDING transaction my account was overdrawm 2xs and i was charged 72$ in fees, and i was over drawn by .24. and the butt clincher is i had 308$ in my account. why isn't this adding up? Am i truly at fault for having a pending transaction? My account was 308, pending transaction 188, and the actual transaction of the day was 162 and change. to me over drawn fees for the actual transaction, is like saying its nightime because the clouds are hiding the sun during the daytime. I dont understand how the bank can get away with those fees if the money is in the account. i didnt think it was overdrawn until the Pending-transaction-company physically-electronically files the reciept or transaction to the bank. Regardless im closing my account. I have little money as it is....

Pharmgirl
manachuga, New York
U.S.A.