BBVA Compass Bank MANIPULATING DATES TO COLLECT NSF FEES CLAIMING "REALTIME" ..only on certain transactions...when the money was in the account. Livingston Texas

It's great you got a credit. But that is not why you said you were going to call the Federal Reserve. You were going to call them to find out if a bank has to notify you 30 day in advance if they close your account because of your claim that it affects your funds availability.

Your complaint very well may have got them to refund your OD fees.  But realize that many banks will also often refund OD fees the first couple of times as a "courtesy" hoping that the customer learns about the policy. Now, I can't find in your tidal wave of posts if you stated you ever talked to the bank directly about this. As if you had it is possible they would have done this without any complaints to any agency. But you will also find that this "courtesy" tends to end after a while if it become a habit.  As I said they sometimes do this, so I am not going to go into some "debate" about how you got the credit just making this point.

But this is even more important now because bank are businesses and as such they have a right to discontinue a relationship with any person. So the more you complain, the more you OD your account the more you start to "cost" the business and become a "problem customer" the more likely you will find your account being closed.

Now, I know you think I am one step below Satan. Probably because I am very direct and telling you in very direct and specific terms why you are not correct and you hate being told you are wrong. Well sorry but there is often not really a nice way to tell someone that they are going down a very bad road.

But back to the original point of this post...you keep referencing Regulation CC as to why they must give you 30 day notice. But you failed to read the entire regulation that doesn't support your assertion as a whole. Regulation CC deals with the initial availability of funds being deposited by electronic means, check, or in person at a branch. Once the funds are initially available Regulation CC no longer applies or would be enforced on those funds.

You ask for someone to show you proof of the negative, that is a specific regulation or text that says a bank does NOT have to give you 30 days notice to close your account. No one can show you that, because the regulations only specifies what it covers deposits INTO the account. If you try to claim that if they closed your account and that affects any deposits being attempted to be deposited realize that your account is CLOSED so the deposit would be rejected and Regulation CC no longer applies because the funds were actually never deposited or accepted by the bank.

As I said good luck, just realize that as much as you don't want to admit it things are not exactly like you think they "should" be and some of your actions could eventually cause you more issues that no amount of complaints are going to be able to fix.

 I filed my complaint with the federal reserve..and for the 4th time they made them refund my money..not just the fee for the 6.00, which was all I was asking due to the greedy way they took it..but both fees. Not sure if they were fined or not, thats between them and the bank. Like I said before...if you have a legitamate complaint..file it with the federal reserve to get things done . Theresa Livingston Texas

 I havent had a chance to check further today but I intend to and as soon as I do I will surely put it up here for us. You are right..that is a change in availability. Im alittle confused as to what they consider "not" a change. Thats what Im going to check on. Im not always right, I surely know that..but I am maticulas as to rules..bieng...they dont assume we know..if its not explicitly detailed as to what they mean and is vague as it is, it could be argued that they mean "any and all" changes. ie: They are required to give 30 days notice if there is a change in funds availability. In my minds eye...if you once had availability to funds...and those funds will no longer be available.. surely you can agree that is a change of availability of those funds, from getting them to not getting them. You are talking about a change of availability in a matter of "days" difference , of the usual amount of time of availability. This change is from getting them in 2 days to getting them in 3 days. Days...or forever...a time factor..its still a change. I will check on it.

To try to help clear this up: your direct deposit is available the day the government says it should be paid. If the bank was to change their policy and make direct deposits available the day before or the day after the should pay date, this would be a change of funds availability and would require a 30 day notice before it could be effective.

Closing can happen immediately with no advance notification.

 I will call the federal reserve helpline tomorrow to get a better understanding of proper proceedure to give notice if there is any..because funds availability and closing an account are two seperate things even though funds that were available becomes no longer available is a change of sort.

So.. What you are saying is that when there is a deposit made to an account, if they change the availability of that deposit they have to give 30 days notice... What Im saying is every 30 days I get a direct deposit into my account and those funds are available to me as soon as it deposits...if I can no longer recieve available funds from that account..would be a change of availability, the change is they are no longer available to me. The regulation does not give specifics as to what kind of change of availability...it just says change of availability..its very vague, more than likely to cover "any" changes, to cover all bases. Its not detailed out therefore removing all assumption as to what kind of changes they mean. A change is a change, anything out of the usual way of availability. I dont know everything..but for what I read from the federal reserve..I havent had a chance to thoroughly research that but I would be willing to bet that an account that has available funds , and the funds are no longer made available..is a change in availability. I dont want to make the same mistake twice..so I would like to ask if you work for this bank or any other...if not, unless you have data to back up what you are conveying to me, any code or regulation..please no argument here. Im not saying Im right all the time but I do say I will believe what I read in my situation from the federal reserve website before I believe anyone that comes here and tells me different..unless they back it up like I do. Thank you...I appreciate the input

Fed Reg CC deals with funds availability from deposits into the account. If the bank decides to make a change as to when funds from a deposit will be available for the account owner to use, they must inform all account owners of the change at least 30 days before the effective date of the change. This is usually done by including this information with the monthly statement, either hard copy or electronic. It has nothing to do with the closure of an account. The bank can do that at any time for any reason with no prior warning no matter where the deposits are coming from. It doesn't matter what you think "should be", what you feel is "common sense" or "common courtesy". It matters what is the law. And current lae allows banks to close any account whenever they want for what ever reason they want.

 I should also add that if they intend to revoke my access to overdraft protection they need to send notice of thet change as well..rather than let me get out there and get denied . I dont rely on overdraft..but if I need it I use it..thats what its offered to me for ... Last month I only needed 60.00 3 days before my payday when they get it right back...thats not too bad I dont think...they got 38.00 for me to use it for 3 days... I hope this has answered your question..thanks for your interest!

 Here it is...

 Although there are many other rules in this regulation to be found on conduct to close a deposit acct..heres one for starters which a closure of account would fall under a "change to funds availability" ...if they close an account and funds will no longer be available..so yes, it is a change in my contract with them. I venture to say there are even more regulation on closing a deposit account that receives a federal social security direct deposit as well...to notify the consumer before closing it. The liability could fall on the bank should they close that type account without notice and give the consumer the chance to relocate based on fact direct deposit is the only way to receive this government payment. If not notified and given opportunity...that consumer , at the indescretion of the bank will suffer tremendously. To me, its a common sense issue...no matter the relationship between bank and consumer...they cannot behave as. Snot nose brats so to speak and close an account for someone to find out a month later they arent getting their social security... Giving notice is federally regulated. See attachment from federal reserve.

In one of your posts you state that the bank can't close your account until "generally 30 days" after they give you notice of their intent to close the account. Excatly where are you getting that information from? I worked customer service for another bank and I can assure you that no bank is going to give you advance warning of an account closure. They freeze/close the account, hold your money for about 30 days to cover any payments you may have authorized and then send you a check for any remaining balance. And it doesn't matter where the deposits are coming from. If you don't want to take my word on this, just read some reports here of people finding out their accounts were closed after their card was rejected and they called the bank to find out why.  So I'm really interested to find out what source you have for this rule/law/guideline.

 Now the put the 6.00 back in as pending and collected a 38.00 fee on it. I this is not fraud..manipulation of dates removing from paid to not... This is not all I have on this dang bank..Ive been fighting this a year now every month! 6.00 or 6 million its still theft!#

These two pics show balance on 2/27 when they took the 6.00 out of the paid status and put the 60.00 in on the 9.51 balance after adding the 6.00 back in. + 9.51 -60.00 = -50.49 -2.50 =-52.99 -2.50 = -55.49 Again details page at time of pic covers whole page but is true Ill send next where they added it back in as pending...IN ORDER TO CHARGE THE NSF!! THIEVES!

 Theresa, Livingston Tx. These are screenshots I took as they were changing my account. the details page as to when the pics were taken covers the whole page but I assure you its true to the page. take a peek. Although the 6.00 transaction was done and paid on 2/24 I didnt start taking pic until 2/26..but: On 2/26 this pic shows my AVAILABLE balance at. 61.49. and the POSTED BALANCE at. -55.49. On 2/24. My available balance was. 9.51. I made the 6.00 transaction and it paid through realtime leaving my balance at. 3.51. For the posted balance to be - 55.49 would mean that I had an available balance of 3.51 which would also mean that the 6.00 had already been paid and not in a pending status: + 3.51 -60.00 = -56.39 - 2.50. = -58.89(atm chg) -2.50. = 61.39(atm chg) !! -61.39. Available balance! Im sending next the balances on 2/27..the day they took that 6.00 out of paid status..added it back to take my available balance back to 9.51.

 Theresa, Livingston Tx...you are completly ignorant dude. Its not just me writing this..Im submitting proof with it.. And not just crap I find on the internet..stuff straight from federal reserve ...lol...here I thought you may have worked for this bank because of your defenses of it (smack to my forehead@#×$@) ..you..Robert dont need to be getting on here telling anyone about banking..you are very dim witted...go to facebook or myspace to take out your transgressions dude..my complaint is serious to me..stay off my thread go..shew...shew!

 Theresa, Livingston Tx. My available balance on 2/24 friday was 9.51 and I made a transaction for 6.00 showing my available balance 3.51 in realtime. On 2/26 they took it out of realtime and keyed it pending, returning my balance to 9.51. On 2/27 I made a transaction of 60.00 in overdraft, and showed my balance now -50.41, then keyed the 6.00 transaction back in and charged 38.00 nsf on it and 38.00 nsf on the 60.00.

I don't know who you think you are talking to, or what power you think you have.

Actually that's not exactly true I believe you feel you have some super power that makes anything that comes out of your mind the truth the instant you say or write it. However, I am not now, nor have I ever been employed by this or any other bank.

My point here was to try and correct your many misconceptions about banking and an apparently mistaken belief that you actually want to learn something to avoid these issues in the future. Yes it is your choice to overdraft your account. But you also have a choice to put your hand on a hot stove. However, even with insulated gloves the heat will eventually seep through and you will get burned. So just realize that if you continue to think that using a bank's overdraft privilege is "Sound Financial Management" you will continue down a very bad road.

So whether you want to believe the truth or your own fiction is totally up to you. Yes, before you say it I know in your mind you are 100% correct because you are a "research guru". But I can guarantee you of a couple of things. First you are not that important to this bank, it is extremely unlikely that they even read this report. Second they have not decided to change a single thing in their system or policy so they can take you out of this odd definition of "real time banking" you continue to cling onto. If it makes you feel better to do that so you can claim some sort of victory then go right ahead...but it doesn't make it so.

So once again, good luck. You are now free to continue your mass postings to try and bury my comments.
(The Over/Under in Vegas is 4).

Theresa , Livingston Tx.... I've been seemingly locked out of my online account access...I tried 3 times and I get the same message...makes it hard to keep up with my account. Lines may just be down...I hope thats all it is but usually when that happen we get a notice of times it will be down...

 Theresa, Livingston, Tx.....Today, I used my card and assigned it as a credit sale transaction. For the first time in the history of my account. It showed up as pending, when I had a considerable balance (pending status never happened before until I was low on money right before payday)...I venture to guess that the "heads up" I gave you in our discussions, that my account has been taken completly out of the realtime databank so that it can be monitored and manipulated. My account also does not reflect this credit sale in my posted /available balances as it always did before, because it was on realtime therefore they were always the same when I had a high balance...(until my account got low on funds). As I said pick one..and you did..thank you sir. Although my contract with you specifically states you use realtime..which I had to sign a signature to on its own page to ensure immediate correct balance/payments, I still believe that this is a violation of the contract however small of a violation it is...but oh well. What I couldnt work with was the bait and switch routine..baited with realtime to believe it would all be done right then...then switch to non-realtime to key it in wherever and whenever you want to generate a fee. So, Ill just assume Im not on realtime from here on out. But thanks..no really..thanks for choosing one or the other.

 If they do close my account..I suggest they read the material..because theres an ethical rule there to. They have to give me..most generally 30 days..AFTER NOTICE... to relocate to another bank before closing it since my deposits are disability direct deposits. Im assuming you may be from my bank..or with Compass at any rate, at t headquarters..right now..with you I request a CERTIFIED letter of receipt of the closing of my account...so theres no way this can be mis- construed that I may not have received it if you are just send me the letter if you want to close my account..but until I receive that letter, Im going to conduct my life as normal..I will continue to use the line of credit offered to me by my contract and pay the fees if I need to. If my account is closed without a certified proof of receipt letter I will face the hardships it will surely cause me and add it to my list. Until then..Im not worried about it. I'm a researh guru, Im not afraid of this. If they were smart they would quit this bi-polar crap with realtime or not realtime, contract says realtime..but pick one.. refund my money quit trying to squeeze my account with greed and get with the program...oh and read the material..definitly..read the material. You believe a bank can do what they want..well they cant. We have rights too. And someone will enforce them for us even if we are financially challenged. Good day Robert. Theresa Livingston Tx

 Geesh! I hopeYOUR done because your wasting my time and energy..not to mention space on my complaint line. The only reason Im responding to you is for someone with clout to read my point. First..the fees are not the weight of my complaint..its the way they took the fees.second..everything Ive posted does prove my complaint. And Robert...so far the only thing, well theres two points that you are correct on but I'll get to that later...but, your right.. It wasnt posted on tuesday..it was hand keyed in on monday..look at it again Robert.. You say my "high" points? Are you? Because obviously you didnt read the material. Geesh Im starting to believe your a banker at my bank..or a wanna be banker. I apologise for the sarcasm but good heavens! Especially not one with a banking course to give. And you are definitly crystal clear to me...laymans terms? Do you know what that means? I was number one in my kindergarten class in the spelling bee and definition kick off so heres a crash course on laymans terms for you..."to put something in laymans terms is to describe a complex issue using words and terms an average individual can understand. So..yes, I guess you can say I am using laymans terms here at this point. Did you understand that Robert? Again..its not the fee, its the way they took it. Again..on 2/24 it was not pending..it was posted and deducted from my balance leaving me with 3.51..submitted through "realtime" approved AND requested at the instant I swiped my card. It became pending only AFTER they removed it from realtime system and keyed it in as pending on monday. And ..yes..Robert..In realtime transactions a credit sale goes straight to the processor to approve AND request payment at that instant..ie "realtime"...when you manually key in ie: not realtime...you are sending it to the processor manually because it cant be paid until the processor receives it...in realtime its straight to the processor..thats the difference between the two..You shoul have got that because I said it 2 times in the same sentence..in laymans terms...sir. I am alittle confused though..is a debit/credit card different from a real credit card?? Is it the plastic maybe??? Anyway..I wish you would put spend a fraction of the time youve spent on this trying to justify shady banking ethics to read your material Robert and learning the job, because if you did you could avoid looking "high" on your points. I cant get this any clearer to you..even in laymans terms. And when I swipe my card Robert, the bank only assumes the money is no longer available if they are not using "REALTIME"..in realtime..notice key words..a phrase actually. "Authorized AND received." AKA-DONE. In one swipe..at that instant..immediatly.right then Robert. And...um ....Robert,...overdraft protection vs courtesy overdraft protection (line of credit) , the ONLY difference between the two is..key word.."OPTION". Its simple Robert...you see.. regular "overdraft protection" OPTION is linked to another account owned by that customer to avoid the high od fees ...now, how can a bank call that one a line of credit...ON THEIR OWN MONEY!?..Courtesy...overdraft protection, on the other hand IS a line of credit extended to a customer that has no other means or links. And to use this line of credit..you pay high interest rate in the form of overdraft fees...6 a day if you need it..(says it in my contract). Summing it up...lets just say that ....overdraft protection is linked to another account to avoid high fees using their own money ..possible "swipe" fee but minimal...and courtesy overdraft protection line of credit accrues a high interest rate. In the end..I do not hate this bank..a bank is a bank..their policy is 6 overdrafts allowed a day, heck this is where they make their money if someone uses it and agrees to the fees. I know full well to the penny my finances when I choose to use it and I gladly accept and pay the fees..its never an accident with me. But I refuse to play bait and switch with anyone..not the bank..but the happy keyboard punch that needs to also read the material. Bieng short of cash does not mean someone doesnt know their finances..not in my instance anyway..it means just that..short of cash.. And if this bank chooses to close my account it would ONLY be because they cant run all over me and dont get their way...I know..I know..I should be greatful they extend that line of credit to me..and I am..EVERYTIME I PAY THE FEE.. And should they close my account Robert..the arbitration clause is void. I am a risk Robert, the risk of exposure of unethical banking ..a whole list of bad ethics actually..and closing my account will put this huge HUGE mouth I have out there with all my evidence from intent ( when federal reserve made them refund me) to current.and trust me..someone will look at what I have..like I said..6.00 or 6 million its still fraud..1 piece or the whole loaf..its still theft. Ive only put less than a fraction of what aI have on here..I video and take pictures of this banks every move when it comes to my money..thats how I win Robert. And I will get that 38.00 back..its not the money Robert..its the point. Theresa Livingston, Tx

Gees..I don't think I have seen anyone try so hard to justify their overspending more than you. I just wish that you would spend a fraction of the amount of time you have spent on this, on actually managing your finances. Because if you did you would avoid these fees all together. Which if you really took time to see what I am saying is EXACTLY what I am trying to get you to do.

Nothing you posted proves that this gas transaction was actually POSTED until Tuesday. And without trying to give you an entire basic banking course let me try and hit the "high" points of your misinformation and incorrect attitudes about a bank account.

You seem to think that I am telling you that you didn't have the funds on Friday. Wrong, what I have stated is that that transaction was still PENDING(you still don't understand the difference) and when it finally POSTED on TUESDAY you were already in overdraft from your SUNDAY ATM withdraw.

I can't really get it any clearer than that for you.

You are trying to use a bunch of "layman" terms and what you "think" is happening to justify your inaccuracies.

"Real time" is nothing more than some marketing term you are clinging too. What they are referring to is that a "real time" transaction means it can be displayed as soon as you swiped your card. The bank then "assumes (incorrectly in your case) that you will see that and know that you no longer have that money available to spend. When the artical talked about "real time" you will notice a key word "authorization". That is all it is, the card
getting "authorized" for the transaction(aka pending). The transaction is not finalized until the merchant sends the final authorization against the hold. The bank then will POST the transaction the next business day.

You also seem to interchange a Credit Card with Debit Card. These are two different banking Instruments that are processed two different ways. The way Credit Cards are processed this concept of "Pending" doesn't really apply. But since you are talking about Debit Cards, you need to deal with this.

While I can see it is easier to understand Overdraft Protection as a concept of a "short term loan" or "line of credit". As you are using money that is not yours and paying a high price for this. That is where the similarity ends and it really does a disservice. As you will never see an actual bank call this Debit Card Overdraft Protection a "Line of Credit". For example here is their site on the overdraft options.

bbvacompass.com/disclosure/guides/overdraft-options.jsp

But I know you read the site and are chomping at the bit saying something to the effect of "Got you sucker...I see where it states Overdraft Protection Line of Credit".

Yes, that is ONE type of Overdraft protection, but not the type YOU have. If you read the details that type is when you have your account linked to another revolving credit line (AKA a real Credit Card) and requires Credit Approval. You will also see that for this service they charge you $12 a day regardless of how many OD's you have in that day, not $38 a pop. So if you truly explored all of your options, just how did you miss this one?

By the way if you want to know what type you have you have the "Courtesy Overdraft Option".

In the end let me just say that if you hate this bank so much...switch. You will find that there are different banks with different posting polices. Perhaps one more to your liking that doesn't charge you as many fees. But also remember that OD are seen as a negative item by the bank. Yes they "allow" you to do it, but only to a certain point. There may be one day where you find that they stop allowing this and decide that you are no longer a customer they want to have. Of course..then your entire "they just want customers to pay these fees" theory kind of goes out the window as with you no longer a customer they really can't get any more fees from you, now could they?

But again I really would hope that from this point on you put as much time and effort into managing your finances to AVOID this situation of even a single overdraft fee in the future than you have put into trying to justify you spending money you didn't have.

Good luck...you are going to need it.

 An overdraft protection is a high interest line of credit see info. And..in realtime posting the cc info is conveyed to the bank processor at the exact time so that authorization can be requested AND received at that very moment. No need for a pending status. I have posted that info as well.. When it first showed in my account it did not say pending..because of realtime..it was all done at one time requested and received and gave me an avail bal of 3.51 . It showed up pending AFTER they kicked it out of realtime and hand keyed it in after changing posting date to 3 days later to collect an extra nsf for the bank...they lied..it was all said and done already through realtime on 2/24 at 4:00 pm. I suggest , especially if your a banker to go back and read your material because bankers lack of knowledge of the business is the problem and the additude you can rip us around like rag dolls playing with our money.

 Theresa Livingston Tx

 Theresa, Livingston Tx....I signed a contract with Compass Bank and they pointed out to me that they go by "realtime" posting. Its in the contract and I signed a page agreeing to that. The fact that they bounce back and forth from realtime to non- realtime (hand keyed) could be considered a violation of contract to some, as well as fraud by way of manipulation of dates for financial gain, and if an audit were conducted could possibly show descrimination on certain disabled or low income individuals. This bank took a 6.oo transaction that posted through realtime on friday 2/24 at 4:00 pm before close on a 9.51 available balance leaving the available balance at 3.51 and at batch time at time of closing...kicked it out of realtime. On monday the 60.00 transaction which drew an nsf charge posted, and they hand keyed the 6.00 trans back in as "pending" after the 60.00 withdrawal, now drawing two nsf's for the bank. The information "realtime posting vs non realtime posting" states that in realtime posting, the credit card info is conveyed to the bank processor and is received at that exact time so that an authorization c is requested and received in that very moment. So them keying in in as pending is a lie...it was approved AND requested payment at that moment.

 Theresa Livingston Tx This is my AVAILABLE balance of 9.51 on 2/24. at 4:00 pm before close of Compass Bank. It covers the 6.00 transaction...and if REALTIME. they boistfully claim was used there would be no nsf charge. They claim realtime..but they only use it if it gains them money..if there is no gain in useing realtime they kick it out and manually manipulate an account. Its fraudulent activity...6.00 or 6 million its still fraud, 1 piece or the whole loaf its still theft. They cant have it both ways...and somewhere there is someone that will agree, even in the slightest that this type of banking proceedure is against the law , however so slight..just have to scream loud enough to the right people/entity. I see alot on here for this very reason against Compass Bank . You might want to read up on Bank America's...excuse me, former Bank America..they had to sell out a few years back...on their nsf charge proceedure and activities...dont think a sharp lawyer doesnt have his/her eye on your activity... Your treading on thin Ice.

 Im reading this to you from my contract and exactly how it is written.. POSTING ORDER: We process and post transactions- both credits (including deposits)and debits throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your account activity. A business day is a non holiday weekday. At branches, business days end at closing time. End Me: This trans of 6.00 was done at 4:00 pm friday before the bank closed at 5. Remember this bank screams "realtime". How about this one... CHECK CARD TRANS MADE WITHOUT USING YOUR PIN: Although check card transactions made without using a pin may not impact your posted balance until the business day the transaction is received for payment, in most cases (me..this is where abuse of descretion comes in)...this type of check card transaction will havean immediate impact on your available balance. AND: KEY TERMS: Your available balance is the balance that is available for immediate withdrawal and reflects any holds placed on your account. END ME: again, done on available balance. LASTLY..under processing and posting: We agree that any order in which we process and post credits,debits and holds to your account will not be an abuse of descretion. END Theres more..but what I just gave you straight off the contract, The abuse of descretion would be that, because the 6.00 posted obviously 3 days before the atm overdraft ,in realtime, but paid on the same day as the atm withdrawal was posted..decent descretion would be to place the 6.00 before the atm withdrawal since in realtime it was done ..not just first..but 3 days before, saving that customer 38.00 odraft when they actually had the money to cover it..in "realtime". Not sit there with dripping fangs and sweaty palms without descretion of fairness and disreguard to what "realtime" is , and switch it to collect 38.00 on a 6.00 transaction. Descretion wasnt even considered here and realtime was ignored for financial gain from obviously a lower income disabled widow. You speak of someone deliberatly going into overdraft with a bad additude..it is offered to people like me and if you look it up..it is a line of credit for people who do not have enough funds and need extra cash..it comes with a high interest rate...ie, the od charge. Its a high interest rate loan so dont put people down by saying you deliberatly overdrew your account...more to say someone took full advantage of this high interest rate loan for a short period and paid the price to use it. And yes..your additude on this subject screams " sock it to poor people and hit em' hard" so dont play like thats not the way you think about those that use this that ALL BANKS OFFER. You cant handle it dont offer it..honor it. I do appreciate the tips on finances though, thank you for that...in my world i do approach all my other options..but if the money is not there I do use the line of credit and I do pay for its use. I just have a problem with additude, deliberate hatefulness, borderline legal theft and greed. Theresa Livingston tx

You are misguided.

Debit/Credit Items may appear in your account as soon as they are made, but they are "PENDING" transactions.  They have not offically "POSTED", as they do not post immediately.  They post only after the merchant has sent in the final authorization, which depending on the merchant could be 1-7 business days AFTER the original transaction. 

There is nothing wrong or illegal here on the bank's part as you INTENTIONALLY overdrafted your account.  When you do this you don't get to choose how the bank processes any pending transactions.  Their posting order and fee schedule is defined and you agreed to it when you opened the account.    So  yes, if the gas transaction on Friday was still Pending on Monday(very likely) then depending on the posting order it could subject you to an overdraft fee on that debit as well.

This has nothing to do with lower income or disabled people.  It has to do with people who try to use their CHECKING account as a line of crdedit which it is NOT.  If you find yourself needing funds on short term basis, perhaps you should look into a credit card.  Even if your credit is totally trashed you can find a secured card that could give you a small credit line.  If that is still not an option, then start looking towards friends and relatives. 

Because it can't be said enough...all of this could have been avoided if you did not INTENTIONALLY spend more than you had available.

So instead of spending all of your time filling complaints.  Perhaps you could look at your budget.  Look for ways that you can trim some expenses or get some more income.  As if you don't have the funds to meet your needs that is not the fault of the bank.

 Theresa Livingston Tx