KeyBank / Overcharged
Once again I have been charged an overdraft fee on an amount that was not causing an overdraft until Keybank changed the way they presented checks to come up with the most overdraft fees to charge me. I had a direct deposit made to our account on friday, that evening I used my debit card for only $90.00 the amount was subtracted from my available balance, on Monday I made a deposit of $600 with only $100 be available until the next day, on Tuesday morning I was charged two overdraft fees for two checks that were presented to keybank that evening, on Wednesday I was charged another $38.00 for the $90.00 debit transaction which took place on Friday.
When I spoke to the bank they once again said they present deposits and withdrawals on 'Real time' i said, you did not since I made the withdraw of $90 on Friday and the second deposit on Monday, whose real time are you using, the rep then asked if I would prefer they pay the larger item first, I said no, you should pay them how they are presented that way you won't charge me overdraft fees. They were rude, would not budge on any refund, they told me I was wrong and they were not going to refund me any money I was not reading their availability policy correctly. How do I file a class action law suit, it looks like they have been using this practice with several people. Help please!