Associated Bank

They offered little help after we were turned down for modification. Our mortgage went into foreclosure. I had lost my full time job and we were living on my wife's salary supporting three kids. We ended up divorced!

I walked across the street from my job to use the ATM at associated bank. The ATM charged me $4 fee to use the ATM as I am not an Associated Bank member. I think that it is absolutely ridiculous and should be prohibited. I believe that because the bank is right downtown and across the street from many government buildings, they charge that amount intentionally.

They ran a promo for a Packers checking account. Now, they won't send my Aaron Rodgers bobblehead. I promised it to my autistic nephew and he's been waiting for it. They said "you have to keep the account open for 60 days, then we send it". Okay, plausible. It's been nearly 4 months. Now they say they are gone and they just keep trying to find any excuse that I'm not eligible. **, merry ** Christmas. I'm moving my account to the local credit union.

I just need to vent after reading other complaints. My husband and I took out a loan for a boat. The bank was close to our work, so I would always just go during lunch and pay it. We are since divorced (4 years), and per the divorce decree, the boat is mine. I had a special checking account just for this payment, to setup ACH with, so I wouldn't have to go out during lunch. I have ADD, and most of my payments are on auto-pay for this reason. I directly deposited only what the payment needed per paycheck with a little cushion.

They kept taking out $25 first, then my payment (which of course now wouldn't be covered). When I called them to ask what the $25 was for, they had no idea. I asked if they charge a fee to pay by ACH, they told me they do not. I still don't know what that was for. Needless to say, ACH did not work for me this time, and I have used ACH for every loan I have ever gotten. So now the ex has filed for bankruptcy, which of course includes the boat, because in the decree we agreed to leave things the way they were, until we could each get back on our feet, and update the loans (I do not recommend this, regardless of your relationship at time of divorce). Since he has filed for BK, the loan is also in BK, which means Associated Bank cancelled my ACH withdrawals. I called right away when I noticed they did not take the payment. They explained that it is their policy to cancel ACH when the asset goes into BK.

I explained, I am keeping the boat. It is not technically in BK, it is mine. "Jackie" took my payment that day, charging me a late fee of course, because it was not the bank's fault my payment didn't post (?), and promised to send me new paperwork to re-setup my ACH payments. It's been 3 weeks, but still no paperwork. I just called, it is still listed in BK, and I can only speak to 2 people (who are currently unavailable), to make a payment. I had to leave a VM so they can call me back, so I can make a payment. I would have mailed the payment, but do not have their address, since it was setup as ACH. One more thing, before I setup the ACH, if I was late on a payment, they wouldn't even take the late payment unless, I paid both late and current, how is this helping anyone? I would have to wait until the next payday, and risk being over 30, so I could make both at the same time. I will never use this bank for anything ever again, not even if my life depended on it. Because of them,I was charged with late fees, and had negative credit reporting.

I was invited by a savings counselor to open a Visa Credit Card account. She told me that I would receive 3% in rewards for every dollar I spent on groceries and gas. In fact, here is the offer right off of their website today: "Associated Bank Credit Cards. Talk about a rewarding relationship. You and Associated Bank. Sign up for the Associated Bank Visa Signature Rewards Credit Card* today and you could soon be rewarding yourself with every purchase, every day!"

"You'll enjoy: Triple rewards on gas, drugstore and grocery store purchases, Unlimited 1% cash back on virtually all other purchases, Special $25 bonus the first time you use your card, The choice to earn cash back, merchandise, gift cards or travel rewards, 0% introductory APR for the first six months, No annual fee. You'll also enjoy worldwide acceptance with extraordinary rewards, and Visa security and protection you can trust. This is the beginning of a rewarding relationship. Apply today! "

I got the card and used it when we went on vacation, charging over $1,000 in gas. However, I did not receive 3% rewards so I called, for 4 months as each statement was received without 3%. I called and was always told, "We are having someone investigate this. You will see your points next month." I have now been informed that when I received my account information, there was a clause that said "limit of 2,000 points". So instead of the 4,500 points, I should have received over the 4 months, I have 1,500 points and will never receive 3% in rewards.

This is misleading and also false advertising. The bank claims that it's up to Elan Financial Services to deal with it but the bank is still making the offer without any mention of the limit on points! I recently asked a teller about the card and she told me I would get 3% back on groceries and gas. When I asked if there was a limit on points, she said, "I don't think so." I did not get the rewards that were offered and promised.

I was levied by the IRS (my fault though I was never told by the IRS or my bank that this had happened) and then the bank took a $100 "legal fee" for processing the levy. However, they never informed me of this fee, even though the law firm I work for is across the street from them and I had been their customer for over 2 years. In response to the $100, my account was overdrawn and I was charged an additional $315 in overdraft charges. Then, as I was paying it off, I received a call from their collection company but did not get the woman's name who agreed I could have until July 28, 2010 to pay the remaining balance.

Instead, on July 26, 2010, they did a "Charge-Off" without allowing me the full time to pay it. The bank issued me a letter stating I did not in fact owe any money to them in the hopes that would allow me to open other bank accounts. They acknowledged that better customer service would have alleviated the charge-off but said because the woman at their collection agency never placed any note in her computer file on me, stating I had until the 28th date, there was nothing they could do. Elliott at this branch was somewhat helpful but in the end, I still got completely **. I work for a law firm 20 feet across the street from this branch. I am so disgusted I could cry. Because of some anonymous collection agent's negligence in noting our conversation, I have a charge-off on my credit even though it states "no balance owed" or whatever, it still shows a charge-off. I will tell everyone I know about the treatment I received at the hands of Associated Bank and their shady collection company.

The bank decided to take out the largest amount of debts made on 1/29 first, which left me paying overdraft fees on three transactions made the same day which would have been covered if they would have taken the lowest debt first. If they would have done this, I would have only paid one overdraft fee instead of three. The bank loaned me 51.06 to cover the outstanding payments and charged me 100% interest, which came to 100.06 on the 51.06 loan they gave me to cover my overdraft fees. I am a college student and this kind of trickery set me back on my bills.

Was charged $210 for a $61.75 overdraft. They charged the larger checks first. I should only be charged 1 service charge all others would have been covered except for that the one. I'm a college student trying to make ends meet. This outragous practice has put me further back and I can't afford 350% interest on $61.75

I checked my online account to see how much money I had only to find I had 1$ left. I made a decision to go to the ATM and overdraft 40 for gas and such for the next 3 days and pay the one ocerdraft fee for it. On my acct, there were a few other transactions still pending from the weekend. I didn't think anything of this since they had all been done before the ATM withdrawal. The next day I look at my acct only to find that all of those transactions including the ATM withdrawal had been posted, but the ATM one came out first.

So I was charged for nine overdraft charges instead of one because of Associated Bank's policy that the largest amounts are debited before the lower amounts.

I called and talked to a supervisor who was willing to take off only 3 of the charges. I think this is predatory banking and there should be a law against it. I also deposited money into my acct to cover all of the transactions before the overdraft charges were posted but was still charged the overdraft fees because I was told I would have had to deposit the money the day before to avoid them.

This bank seems to be trying to make money off those of us that have tight budgets. I have heard more than a few stories of this happening to people.

How can it be legal? I don't overdraft regularly, I did it this one time to make surei had something for the next three days. Minus the three overdraft charges they are willing to take off once I make a deposit to bring my acct back to zero, I am paying over 200$ in overdraft fees instead of 35$.

paid down $10,000 in June of 2005 in addition to our regularly deducted payment, and then had our regular house payment deducted from our account in July of 2005.

We called Associated to find out the remaining balance on the account for a final paydown in July of 2005. Customer Service assured us that they would deduct the final payment from our escrow account and refund the remaining balance to us.

We received a paydown statement dated July 22, 2005 indicating that Associated had deducted the remaining balance, and that after mortgage filing fees with the Clerk of Courts, they would owe us about

$443.

In September we received a letter congratulating us on paying off our house. The same day we received a letter telling us we were two months behind in our house payment!

We called Customer Service several times, who assured us they had taken care of the mistake. They deducted the final payment, but reported us to Ameriprise as being delinquent for the months of August and September 2005, two months AFTER we paid down the house!

We received a credit report from Ameriprise in July of 2006 and again called Customer Service at Associated. They assured us our debt was paid, but said they would wait for the credit agency to contact them before correcting the problem. They also told us that they had a record of each time we had called them with our problem but had no explanation of why the problem wasn't cleared up.

Yesterday August 21, 2006 we received another credit report from Ameriprise, this time still reporting the account with Associated Bank on the "Adverse"
list and reporting they didn't know what happened to the August payment. They did take the "60 days delinquent" payment off of the report, but still had

in brackets "30 days delinquent."

THIS IS RIDICULOUS! We've heard horrible horror stories about this bank.

I tried to contact a bank manager at the Stoughton branch, who refused to return my call.

but Associated Bank is still accusing us of being delinquent in our payments for months AFTER WE PAID OFF OUR HOUSE!

They need to be investigated. Our credit report needs to be cleaned up. We should have perfect credit.

Thanks for any help you can give us on this. It is most upsetting to pay a home down (and give the bank extra payments each month for years) and then have them accuse you of delinquent payments when the account is zeroed out.

I've had a visa though assoc.bank for at least 3yrs.I always pay on time.For at least a year I've been paying online.Without any notice they made changes so I couln't access my info online.I emailed cust. serv.,never did get a reply so I mailed the payment & it was 3 days late.I've been penalized over $100 in late fees, interest charges etc.& they raised my APR from 12.24% to 29.24%.I'm furious!!!!!Is this loansharking legal?I wonder how many other people they screwd this month with their unannounced website changes?????????????????