Problem caused by your funds being low: Checking or savings account

I am disputing the accuracy and completeness of my banks transaction records and the handling of my account activity. I requested a full, detailed transaction history that includes exact timestamps, running balances, and available balances after each transaction. I also requested documentation explaining holds and how transactions were processed and authorized. The bank has not provided this level of detail. Instead, I was given partial transaction summaries that only show dates and amounts, without time-of-day stamps, balance progression, or clear posting order. Because of this, I am unable to verify the accuracy of my account activity or determine whether transactions and fees were processed correctly. There is also an unresolved issue involving a $200.00 secured credit card hold, which I requested documentation for, including the exact date and time it was placed and how it impacted my available balance. The bank has not provided this information. In addition, I requested an explanation of how transactions were approved or processed when available funds may not have been sufficient at the time of posting. No clear explanation has been provided. I have made multiple requests for complete records, but the bank has not provided an auditable, chronological ledger with full balance history. I am requesting that the bank provide : * Full transaction history with timestamps * Running balance and available balance after each transaction * Documentation of all holds, pending transactions, and posting order rules * Written explanation of the $200.00 secured card hold and its timing * Clarification of how transactions were authorized and processed Without this information, I can not verify the accuracy of my account activity or resolve this dispute.