Wachovia Four Fees for 1.57 over draft- 140.00 in fees. total OD 141.57 Enterprise Alabama

Someone please tell me how a bank can charge a 35.00 NSF fee whrn you have money in your account.

Ok, here goes I had 131.42 in my account, well when the week was over I had spent 132.99, which is 1.57 over what I had- I agree I shoule be charged the 35.00 fee for the 1.57 that I went over but then I inccured 105.00 in overdraft fees for stuff that was on HOLD!!!! but that my account was able to cover, EXCEPT 1.57.

A run down of my ONLINE (which is not what that banker sees) statement...
131.45
-8.51
-------
122.91
-50.00
-------
72.91
-5.84
-------
67.07
-3.84
-------
63.23
-2.38
------
60.85 (here is where it gets confusing- they said I did not have enough money to cover 62.42- in which I was short 1.57)

60.85
-35.00 NSF Fee
-------
25.85
-22.39
-------
3.46
-17.70
-------
neg 14.24
-11.94
-------
neg 26.18
-10.39
-------
neg 36.57
-105.00 NSF Fees (three of them)
--------
neg 141.57

Now if you will calculate the three NSF fees and you will come up with 140.00. I am overdrawn in my account 141.57- so actually I am overdrawn 1.57 and should only pay 36.57- but because this was on HOLD and that was on HOLD- I have to pay 105.00 more than I should....

I could understand if I spent anything over 1.57, which I am willing to pay 35.00 for but 105.00 more because of holds? Come on people- from when those items when on hold who paid them when they came off of HOLD- the branch ammager said well it came out of your account- I ask how if I did not have the money in there- who paid it he said you did? Then why am I being charged? Because of your holds he told me....

I am not stupid- and a simple math miscalculation I am willing to pay for does not warrant 105.00 in more over draft fees, does it? My money was in there and covered evrything but 1.57.....

Come on....

Tjackson
Enterprise, Alabama
U.S.A.