Key Bank USA Complaint - Overdraft Charge Nightmare
I was with another bank for four years and made the biggest mistake by trying Keybank. When you use debit cards with most banks, you are able to access your available balance by phone or the computer. Example, last week I made a purchase at Mcdonalds and a couple of other restraunts during the work week. I checked my account online and those charges showed pending and were deducted from the available balance. So I know where I am at right ? Well that was until this week. I trusted the available balance and used my card for some grocery shopping. My available balance was 20.00. The next evening, my account showed I had 160.00. I knew this was wrong and checked the account again in the morning. It said -2.69. I was like what in the hell. I called the bank and they said it could have been a debit that hard posted late and they adjusted the overdraft fee. I put a few bucks in to bring it current. The next evening my direct deposit of 111.00 went in as available balance. I spent 40.00 and my balance was 71.00 I checked my online account when I got home and it was -87.00. I was hit for four overdraft fees at 147.00. I called customer service and they refused to help. They said the restraunt debits I had earlier that week had hard posted. I told them I was mislead by their available balance on the online banking. He told me to keep a ledger. Needless to say thats the whole reason you use a debit card and online banking, so you don't need a damn ledger. Anyway I called the branch manager and she reversed all the fees except one. She tried to tell me the I needed to keep better track. The bank I was with for four years, I used my debit card like a sword and the available balance online was always correct. Never not one overdraft. I will be returning to that bank. Sorry I ever tried Key.