Key Bank USA Complaint - Please Read This If You Check Your Account Online!
SEATTLE, WASHINGTON -- I am retired and check my account many times online everyday. I'm lucky that I have the time to do it as most people don't. Sorry for the long post but this should help anyone doing their check balancing online:
Thursday 5 days ago I made a (in person) debit card payment to my doctor's office for the past couple of months of co-pays for my wife and myself. Let's just say it was a little over $100.00. The next day (Friday)it posted as pending and did show it subtracted for available balance. I had enough to cover it and today (Monday)it is gone from the listing and they have added it back as though and my account balance is now $100.00 over my own calculations. Nothing shows pending so if I wasn't careful I could overdraw my account thinking my balance was $100.00 more than it really is. They do this on Fridays just before the weekend so people will think they have more in their account when they don't. They hide under "We are performing maintenance" or some other excuse and purposely take out your already listed highest purchase and then tonight they add it in a second time and you just hope you have not made an easy mistake of forgetting your current balance because theirs is wrong and for a good purpose.
I know my balance is $150.00 but after posting and removing my highest payment show me to have $250.00 after they already received the payment. This happens too often and mostly on Fridays ("We're performing maintenance and all of your transactions may not be shown")This is after I had seen it on Friday morning after paying (debit card) the doctor's bill on Thursday. If you are not careful and overdraft on Friday and don't check your balance for a few days you will then have your overdraft fees automatically pushed into the second tier for more charges. I know, make sure you have enough money to cover but no matter how high or low my account is I shouldn't have to be subjected to this abuse. I am in the process of getting my Pension & Social Security auto deposits into a local bank here.
Tomorrow morning they will add in the $100.00 payment again just like Friday and deduct it from anything that was written or charged over the weekend. Even though it was processed last Thursday and was listed online as pending on Friday morning. UPDATE: Today is Tuesday (12 hours later) and sure enough the $100.00 shows up deducted from my balance when it showed NO Pending Charges last night and my balance was $100.00 more than this morning!