Key Bank Over drafted DEBIT charges Lake Oswego, Oregon

Received a call today from a representative at Key Bank indicating my account was overdrawn by $400.00. I advised her that would be impossible as I only use a debit card for my account. She advised me that the overdrafts would stand and that I needed to come to the bank to pay the balance. She further advised me that my 7 separate debits were covered by the bank and they took a $37.00 fee each time (even though my account was depleted). I repeated myself and advised her that I only used the account as a debit account and did not have any recurring withdraws or checks issued on the account. How can my debit card get repeated approval at a merchant when the account is empty?

I have no choice but to pay the fees and close the account.

Key Bank Ripped me off and there is nothing I can do about it.