Navy FCU Bank Account Or Service Complaint

Navy FCU Bank account or service department,

Checking account Problems caused by my funds being low Florida

I have optional overdraft protection on my checking account with Navy Federal Credit Union, but I have been advised by - different representatives over the years that they do not charge the fee if the negative balance is less than $5.00. I have part of my paycheck direct deposited every two weeks ( $210.00 on - - ). In addition to that, I deposited $80.00 on the - and -. I used the account on the - and deposited cash into the ATM at - - to cover those charges. Cash is 100 % guaranteed funds. I wake up this morning to a $40.00 overdraft fee and my account in the negative for $42.00. As of - -, my account was in the negative roughly $.00 cents. - charges on the -, - of the were completed by midnight and my deposit is still pending. I called a spoke to a " supervisor ' by the name of - who treated me like I was incompetent, stupid and confused. I am - years old and I have been in the banking/finance industry for almost 11 years. I asked for the $40.00 fee to be removed, she stated they do n't waive those fees. I feel I have been wronged since I have been advised they do n't charge the fee for balances less than $5.00. I am at a negative $42.00 ( $40.00 of which is the fee ). Navy Federal is known for their horrible customer service and very unsymapthetic and uncaring management staff. I had decided to give this company another shot after having been with them for 12 years previously and now, I do feel like the stupid one. I should have known better.