Why was I charged a finance charge for a fraudulent transaction that put me into overdraw?

My ING debit card number was obtained and used to make a purchase at Overstock.com. I called Overstock and explained the situation. They were glad to reverse the charge. I then called ING and was told I would have zero liability for the purchase regardless of whether the purchase was refunded by Overstock or not (assuming the investigation agreed that it was a fraudulent charge). Overstock did not properly process the refund. So, I called back on the day they told me I should see the refund, and they issued it immediately. It posted the next business day. I called ING to inform them that I was in overdraft for a purchase I did not make. They could not guarantee that I would not be issued a finance charge. They promised to forward my request to their "Operations" department. I checked my account on the last day of the month, and I had been assessed the finance charge (contrary to the "zero liability" I was initially promised).

I will admit the overdraft policy is very reasonable. That is one of the best features of this bank for me. The overdraft finance charges resulted in a four cent charge on my account which is admittedly not worth fighting for. This is why I have not called in again after the charges were assessed to plead my case. What I feel like I am fighting for is confidence that my bank has my best interests in mind. Certainly, it is only four cents, but this works both ways. It is only four cents for me to lose, but it is only four cents of extra fees that the bank could take off to make a good customer happy. In light of the way this has been handled, I would have to say that I would switch banks if I found another bank that is comparable. This would not have been the case before this incident. I do not feel I should have to pay for money someone else borrowed even though it is only four cents.