Key Bank Overdraft Charges Cleveland Ohio

you openly admit that YOU recorded a deposit TWICE. How is any of this the bank's fault when you went out and spent money you didn't have due to your own error?

"I did make a mistake, (counting a deposit twice) but there's something stinky about it all."

The only thing "stinky" about it was your own error. You wouldn't be here posting this if you hadn't made the error. You wouldn't even care, much like all the posters that have gotten caught and then cried foul, about the policy had you not made the error and it bit you.

"Mind you I'm a very careful bank person. I've NEVER had such a problem."

You may want to rethink your own opinion as you contradict it with this very report.

"When I mentioned to a friend she had also gotten into trouble and racked up charges of $280."

Who cares. It's hearsay and she probably has worse accounting habits than yourself.

"I think that there practices are probably strictly legal, and I think that they are out to get you."

The paying out of merchant requests where money is spent is entirely legal and exactly how are they "out to get you" when you blatantly made a huge mistake?

ok.. I'm not real sure who "John" from "Califon, USA" is... or what his motives are in passionately letting you know that you are scum sucking worm eating goo who by the way in his humble opinion has terrible banking habits... I found his contribution to be a little... perplexing.  Although, he is a great example of the type of people previously normal banks and collection agencies are hiring these days to deal with consumers.  Abusive, inappropriate, judgmental... and... a little childish.  And before all you "johns" out there wanna tell me how I wouldn't know that if I'd only paid all my bills on time - I have never had occasion to have ANYTHING of mine sent to a collection agency, but apparently the people who had the phone number before me did.  Plenty.

I guess I'm just commenting to say, yeah, your feeling that something is just... off... is totally right.  Key Bank has always been a good place to bank in my experience... but I developed that same sort of 'out to get us' feeling that you had.  Out of a hunch last year I got in the habit of always dating my checks for the day the bill is due NOT the date I'm actually writing the check and mailing them out, because I got sorta paranoid they might go back in time and decide if the check is dated for before the funds are 'available' then its a good excuse to charge an overdraft fee.  and low and behold there's stories of them on here actually doing that recently.  Even with my hyperactive paranoid preemptive prevention measures, they've still managed to assess overdraft fees based on their own self admitted 'computer' errors. 

there's definitely something fishy about them and just about every other bank for the last couple years.