Can a bank overdraft me on these charges?

I am going to try and make this short and explain the best I can.

I had $69 in my account.
I paid $11 debit
(new balance: $58)
I paid $26 debit
(new balance: $32)

The debit transactions were pending, but the funds were "held" so I could not access them.

A check came through for $39 that I had forgotten

I am going to try and make this short and explain the best I can.

I had $69 in my account.
I paid $11 debit
(new balance: $58)
I paid $26 debit
(new balance: $32)

The debit transactions were pending, but the funds were "held" so I could not access them.

A check came through for $39 that I had forgotten about.
(new balance: -$7)

My debit transactions had already been "held" but still pending. I got charged a $37 overdraft fee for the check
(new balance: -$44)

My debit transactions then posted. They then charged me two overdraft fees of $37 for those debit charges
(new balance: -$118)

Is that even legal? The total amount of the debit purchases were already held. The bank states that since the funds were not in the account when they posted, I was charged overdraft fees?? The funds were not in the account because they were being "held" for those very transactions.

Please explain – I feel like this is a scam! It's pathetic.

Thanks in advance!

Other answer:

kimballz:
That doesn't sound right.

You had $69. If the "forgotten" check came through and then the two debits were posted, one of them would have bounced but hitting you with 3 bounced check fees is bogus. I'd complain to the manager and then to the state banking regulator or the comptroller of the currency. See if your local TV station has a consumer advocate and talk to them. Banks hate when the TV cameras and reporters show it.

Nikki:
Bank can do whatever the Hell it wants to you. Also, just from what you described, it sounds like you were irresponsible and at fault. Don't even worry about legality, when it comes to bankers — it's all a scam and you can't touch them.
Melissa:
That's how banks make money. Since it's your first time, try calling them up and explaining your situation and if you're lucky they'll refund one of your overdraft fees.
Literal:
Read the agreement you received when you opened the account.
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