TCF National Bank Bank Account Or Service Complaint

TCF National Bank Bank account or service department,

Checking account Problems caused by my funds being low Arizona

TCF Back returned - items on -/-/16 even though the money was in the account. Their reasoning for returning the - items that total $89.00 was because I had a pending item that as of today -/-/16 still has not posted. They charged me $140.00 in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at -CST on -/-/16 so since the charge was authorized, it MIGHT overdraw my account. Out - check was deposited on -/-/16. Even though the bank was closed and the cut off time for my - payment had passed and was not going to post. So in essence I was charged - % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund $50.00 so I am still out $98.00,. This unfair business practice can not be legal.