How do you reconcile when your bank statement has an error? Read about my experience at https://hledgerfan.com/bank-statement-is-incorrect/.
In your case, it was because pending transactions were unexpectedly included. But the fact is that the "available" balance may affect pending charges. Banks are notorious for locking up funds when hotels and gas stations require a swipe before you check in or use the pump. In all my years of doing a detailed reconciliation of my checking account, the majority of bank errors were due to fraud - forged or altered "washed" checks, identity therft, etc. Only once do I recall the bank making an error transcribing information from the check itself.