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Mariane of Claremont CA (05/13/08)
April 27 I tried to use a VISA gift card but was allowed to only use 80% of the value of the card. When I called to inquire my gift card was charged $1. to inquire. I was told I had to wait 4 days to use the rest of the money.
So on May 12th I tried to use the card for the exact amt. left on the card after the $1. for the inquirey and the 80% I had used on Apr. 27th. The transaction was denied because it said no money was in the account. When I called a person named Edjo stated the transaction did go through. I explained it did not and I did not get any product. So she told me to contact the business where I tried to use it and have them FAX a statement saying we will not settle because transaction was declined on our end. The person sending the FAX needed to give their name, position, phone # and signature. Now this person tells me she can not send such a FAX until she can find out if indeed her place of business did receive the money from the VISA gift card from US Bank.
When I try to log on to the bank website to see where the money has gone it states I am locked out so it is impossible for me to have any kind of reference of who has the money from this gift card. I tried calling the phone # on the card and was told a $1. fee would be charged to the card if I continued with the call. I inquired about why I could not access any info online and was told to wait 24 hours and try again. I was told if the place of business that does not want to send the FAX does not accept the money in 6 days it will go back on the card.
At any rate it seems to be very difficult to access money the bank has already received when the gift card was purchased. Also I feel the bank hopes the accrss of the money becomes so difficult that one will just give up and forget about using the gift card. Also if the money is not spent in 6 months a $2.50 monthly fee will be charged to the balance of the card each month until a zero balance exists. I urge everyone to not purchase VISA gift cards.
I find this stressful, a waste of energy, and I am out at least $150.00
Trudy of Little Rock AR (05/05/08)
i checked my checking acount balance on the internet and balance it to my check book i had 530.00 i had 4 checks out 2 of them were for 13.00 1 was for 60.00 and one for 110.00 that left me with 334.00. I paid allstate 242.00 online on satuaday using my debit card.when i check my balance the next day on the internet it showed my available balance 330.00. the next day my 2 checks for 13.00 the 60.00.and a post dated check that was not suposed to be deposit untill 5/6.the bank paid that check fist then paid my 242.00 charged me 37.50 for each of the small checks. a person from the bank called me and told me i was overdrawn 200.00 and had a check that was trying to come for 110.00. i said to that person i don't understand what happen because i had enough funds.she told me that if i made a deposit before 10 am i would be good.
well i made a deposit before 10am and us bank returned my check for 110.00 and charge me 37.50 return check fee on top of the four 37.50.when i went into the bank and explained that i had enough funds to cover those 4 checks and the check that was date for 5/6 would have been the only one that i did not have the funds for. i was told that although all came in at the same time the bank pays the larger check first which cost me 175.00 in fees plus the check that was return i had to pay that vendor 25.00.i called us bank branch manager and ask him if he would refund those fees he flat said no. than he said he would do one that's all. when i look at my account after 10am to see how it was looking that's when i discover that i was charged a return check fee which made me short again.
i called him again and explained to him that someone at the bank told me that if i made a deposit before 10 am everything would be good. he refunded the returned check fee and told me to tell kroger to redeposit the 110.00 check . now i don't know what kroger's returned check policy is,i have not been able to get any one at kroger to help.my husband and i are retired and it is very hard we need every penny that we can get to try and make ends meet and to pay those kind of fees have hurt i can't begin to tell you how much that hurt.
Agnieszka of Bloomington IL (05/03/08)
On 4/27/08 (Sunday) I made an ATM deposit of $550 at this location. Next day (4/28/08) when they were open they posted the deposit to my account. I checked online to make sure everything posted right and that it was not still pending as it is a completely different matter if the deposit is still pending. But it was not pending so I proceeded to make purchases as usual. A while ago I have set up account email alerts (One when my balance is less then $50, and the second one when the account is at a negative) because I had problems with US bank before. On 4/30/08 I received an email alert stating I had a negative balance of -$114.02. Since depositing the check I have spent only $130.91.
When I checked online I saw that this branch that has cleared the deposit couple of days before has reversed the $550 deposit. The check was from my mom and there was nothing wrong with it; it was written correctly, endorsed correctly and had plenty of funds in the account to cover it. As soon as I found out on 5/1/08 I called to find out what had happened (at that time I had not been assessed the $37.50 overdraft fee) the person I talked to had to do some serious digging to find out what had happened. I was on hold for a total of about 20 minutes which was actually fine with me because I needed to clear this bank error up. The rep was very helpful trying to sort this issue out and after we got accidentally disconnected she looked up my number and called me right back. But as this issue was eluding the rep she asked if she could call me back today or tomorrow when she investigates the cause of my deposit being reversed.
I agreed and early next day I received a call from her stating that the reason why the deposit was reversed was because it was a starter check that was deposited through an ATM (and that supposedly was not accepted by US Bank). My mom had found her old starter checks and not wanting to waist them she used it to write me a check with it. Here is the irony though; I ALWAYS make ATM deposits and have actually deposited the same starter checks (2 to be specific) from her before and NEVER had a problem.
At this time 5/2/08 they have posted a PENDING $37.50 overdraft fee because I still had a negative balance. The rep told me to call the Northlake Office US Branch and find out what they will do. (FYI. I made the deposit on my way out of Chicago from visiting my mom going back to school in Bloomington/Normal IL where I live as I didn't feel safe having that check on me.) I called the branch at around 11am the first time and talked to a teller that told me he doesn't have authorization to take the deposit back and reverse the fee but that that is the possibility but I have to talk to a bank specialist but they are all busy so he can't connect me with any of them but he will give them the message. I stressed the importance of getting in touch with them asap as I didn't want more fees. I called again around 1pm and talked to a different teller and again explained the situation and repeatedly got transfered to voice mails so I left a message stressing I talk to someone asap. At around 2pm I called again because if they were not going to take the deposit I needed to know right now since my sister was taking a lunch break during which she could make a deposit at a Chicago US Bank location to cover my account. If I didn't find out right now she would not be able to make a deposit until next day and I know I would be assessed another 37.50 fee. I asked her to wait until 2:30pm and tried getting in touch with a banker again and again I was talking to the first teller (young male with a Hispanic accent) and when I explained what was going on he bluntly said that bank specialists are all busy and they can't make the customers at the bank wait and take my call instead.
I was shocked and at that point I asked my sister to make $300 deposit and I was not going to ask them to take back the $550 deposit back instead just ask them to reverse the $37.50 overdraft fee as the rep told me to ask them to do and have my mom send me another check. Today is Saturday 5/3/08 the bank is now closed and after not being able to get through again and not receiving a phone call from the message I left yesterday I am finally fed up with this bank and their hidden/changing policies and outrageous fees. I will make a complaint to US Bank headquarters as well I just want to let others know and make a record of this incident with you as well.
$37.50, my/my mother's/my sister's time, stress, and additional work we had to do to take care of this problem
Amanda of Delphos OH (04/29/08)
I've had more than one incident of my direct deposits not posting on type with my US Bank account where as I had tons of over draft fees applied to my account. My credit was so ruined by this I was unable to open an account else where. Long story short the last incident was a bounced electronic check for $250.000 with astronomical fees.
I was called and threatened to be taken to court immediately because I did not have $1200. I bounced only $250 and am being charged $1200. These debt collectors even refused to tell me what exactly the fees were and which incidences. None of my complaints were handled correctly with their fraud department or the management at their office. They even failed to notify me of anything. They were calling the wrong phone number and mailing stuff to the wrong address.
Manuel of Aurora CO (04/14/08)
After doing a deposit at a usbank branch. I requested that the teller let me know that if the deposit that I was doing would bring my account to a current balance. At this time there were no overdraft fees. These were transactions that were posting that day. When I got home I check my account online to confirm that the account was no longer in a negative. Which it was not. Later on that night (same day). I decided to check on my account. I had problems before. Thats when I saw that the account was now in the negative. Not sure if the deposit that I did was going to cover this. I went in to the bank to do a 20 dollar deposit. This would bring my account into the positive again.
Here it is Monday and there are two negative charges. When I called ant talked to the customer service rep. She repeat ably talked over me. Would not listen to me in any way. Led me to believe that she is there to pick up the phone and thats it. I requested that I get transferred to a manager and was given to a person at the branch that I opened my account at. At that time Brook Martinez stated that there are certain transactions that the bank does not have to post. This is a malicious way to cause an over draft charge. A person would think that the bank would give the customer the benefit of the doubt and post the transaction to give the customer a chance to fight the charge. If needed. All other transactions post. But instead they charge your account. Brook went on to say that not all transactions are posted the day that it is suppose to clear and that tellers cannot not see pending actions against the account in question. But something or someone else can. Thats how the bank knows to post the transaction.
I do not recommend this bank for anything. I am currently going to find a different bank to work with and continue to let people know about the way this bank works. I am tempted to keep this bank account so I can inform people about how they function. Brook went on to tell me that the current status of the usbank system is not up to standards when it come to posting transactions and that she does not care about any hard ships that this may cause. As far as Im concerned. She is speaking for the bank.
Fran of Berlin NJ (04/14/08)
I financed a new car Jan. 2006 and wating for reimbursement from a car accident did not put down any money. I made one regular payment in Feb. of 795.92 and in March sent 20,000 from the settlement from the car accident as my previous car was totaled. I thought that prepaid me for two years. But this March when I inquired for a payoff, I was informed I owed 22,970.20 and to add 3.60 for each day I did not pay.
I am still very confused. I was informed they could not charge me interest ahead for the two years but that they could now charge me interest for the last two years. The even sent me a letter which I don't understand. I agree I should be responsible for some interest, but over two thousand dollars? The original loan was for 40,688.50 with a simple interest of 6.49 and no penalties for payoff. I did not end up paying off and received a bill due April 1 2009 for interest due 689.84 which I paid because I did not want to be considered delinquent. I had calculated if I put that money in the bank and made monthly payments, I could have paid it until May 1, 2009. I would appreciate your consideration.
Pamela of Huntsville AL (04/09/08)
Our payments were late 3 times during November, January, and then March. I had been unable to find time employment but we continued to pay our payments. They were never 30 days late and most of the time less than 10 days. However, our original interest rate was 7% and we transferred balances to reduce our other credit card payments. The original payment was only $71.00 and helped reduce our overall debt. However, the payment skyrocketed this month to $248.00 with a 31.24% Interest Rate. I didn't think this type of interest was even legal. I called to try and talk to them but they completely ignored everything I had to say.
During an already stressful time this caused undue duress on my husband and family. We were very frustrated with this situation and did not understand what happened to us or why.
Ernest of Tumwater WA (04/01/08)
We have been charged nearly $600 in fees and overdraft charges! We went in to rectify this because we thought this was extreme and tried to explain our situation, but to no avail. We were in the process of closing this account and this has been another confirming reason. We opened this account 2 years ago and we HATED it from the beginning. I am not sure who does their customer service training but it is relentless and they are definitely more interested in the law or rules than service. They said this is what they can legally do and they will do it. We have NEVER been overdrawn! I even called the 800 number to get an address to write a letter to and the lady gave me such a hard time and was just as rude as the people at the bank. I will NEVER bank there again and all of my children have closed their accounts as well. I am not sure what to do now, we still owe $400 and we can't close our accounts until we make this right.
William of Sacramento CA (03/28/08)
Prior to 3/24/08 as noted by the included ATM slip, which shows a balance of 53.76 date shown 3/22/08 with a posting date of 3/24/08 which was a Monday. Also on Saturday 3/22/08 I made a deposit of 100.00 late in the afternoon, brings the total balance to 153.76. From that as noted in the bank web site print out was to pay for the 20.00 x 2 with draws for cash and 2 Debit charges of 25.00 and 7.54. This would leave a balance of 81.22. On Monday I deposited 534.20 (please take note of the date and time on the included ATM slip stating date of deposit of 3/24/08 and date of posting of 3/24/08 at 12:38 PM, it also shows date of posting in the bank web site print out of 3/24/08. Apparently a check of 292.70 was posted on 3/24/08 as to my surprised was posted prior to the small amounts stated above and that the 534.20 was not made available by the night of the 24th. (I say surprised, but i should not be as USBank has done this to me more times then I can count.)
By the bank posting the large check prior to crediting or making sure all deposits were posted first caused numerous over drafts as you can see in the web site print out included. I was charged 37.50 for each of the smaller amounts even though there was more then enough to cover them. And they were done well before the 292.70 check which was posted. Those should have taken priority. Even enough to cover the 292.70 check if they would have insured all deposits were posted before the check was posted. Whats' more each day that i do not cover all these over drafts i am charged 8 dollars. I am now nearly 300.00 in over draft fees. I use Quickbooks and download data from the USBank web site to update my system. Quickbooks does not show me as over drafting.
I mentioned this to the Asst. Manager Jo, at USBank and she brushed it off stating Quickbooks does all deposits first and debits after. I then asked well what good is the data from your web site to update my Quickbooks when your bank does not follow the same rules. She stated we do all deductions before we do deposits and we do larger amounts first. I said doing it this way creates a lot of over draft fees with not only me but many others i am sure. You claim to have a free checking account but your more expensive then any bank i have had an account with. Quickbooks at this time is not an issue what the issue is dates and times. When an ATM slip states posting date of and then the deposit is not posted as stated on the ATM slip is a serious problem. Yet on the weekend when you get a ATM slip it does state the posting date of the next business day.
Have charged me nearly 300 in fees for over drafts. This is not the first time but is going to be the last. I have filed a complaint with the OCC and faxed off all supporting documents. Everyone on this site who has complained about USBank needs to do the same.
Rachel of Salt Lake City UT (03/24/08)
Unfortunately, this is not the first time USBank has done this to me, but I promise it is the last! March 11 2008 I had $99.00 in my USBank account. This same day, I deposited $3346.14 into my account which was my federal tax refund. I was in a car wreck 3 weeks earlier and so I immediately needed a cashiers check for $2300 for a car that I was purchasing, which left me with $1138.14 left over. I had almost $100 available to me before I made this large deposit from my tax refund so continued on with life as tho these funds were still mine. Well, not according to USBank. Suddenly, all of the funds in my account were not available, however there was over $500 showing in the available balance when I went online to check it. I went about life as normal spending only what I thought was available and trusting that my funds would be available to me within a few days. I went back to check my account on March 21, 2008 and was in for a serious shock. My account was overdrawn by almost $200!
How could this be? I will tell you how... US Bank decided that even tho the funds WERE there and clearly should have available after 10 days, they had charged me 6 overdraft fees. I even had a small $287 child support payment direct deposited (which is supposed to be immediately available) and even with all of this money coming through their bank from my deposits, they still overdrew my account and have been unwilling to reverse anything. I was told as so many other people have been told, that when it shows in blue, the funds are not yet available... well, after 10 days.... WHY is my own money not available to me?
So now, being a single mother of 5 kids with a very SMALL child support payment which US Bank has stolen, I have been forced to ask for outside help. USBank does not care about their customers nor their situations. They see a sizable deposit come in and they hold your funds until they can claim you overdrawn. According to my calculations, After all of the purchases made, including the CS deposit, I should still have at least $510.59 which was our food money for 2 weeks, plus the $222.02 I needed and CHARGED for registration of my car.
I should NEVER have been overdrawn a dime with as much as had been deposited into my account. If I could warn anyone about the shotty practices of US Bank and avoid them any undue trauma, then this might all be worth the trouble.
Bill of Hanover MI (03/03/08)
U.S. Bank Caught! Alleged Insurance Fraud! U.S. Bank Phone: 800-USBANKS Fax: 513-632-2424 Minneapolis, MN
On Feb. 7, 2008, our 2003 Ford Focus Wagon was stolen. First question out of the 911 operator's mouth was; 'Were we in default?' I said; 'No!' Just to make sure there wasn't some bureaucratic mix-up, I called U.S. Bank Customer Service, TWICE! The second time was while the sheriff deputy was here making out the stolen vehicle report. In fact, when I called the second time, the rep wanted to assure me that 'nothing in your file remotely suggests a repo!' My payments were current. At this point, my wife and I were scared. We were worried that serious crime had now worked its way from the city to our little country village. We waited ten days for the insurance paperwork and the mandatory two weeks to declare it officially stolen. At this point the claim was settled with our auto insurance company, titles and keys sent to the insurance agent, and checks addressed to U.S. Bank and to myself. But hold it! Why the difference in the pay-off I received on Feb. 13, 2008 and Feb 29th? I called U.S. Bank to find out why.
At this point, I was suddenly referred to their 'repo' department! Things started to unravel for U.S. Bank. I screamed up and down that 'you lied to us and misled the insurance company!' They declared that because of my Chapter Seven bankruptcy in 2005, they could repossess my car at any time for any reason. This actually is not true, since an exemption was placed on the vehicle, OK'ed by the U.S. District judge and payments continued as usual. With our car gone, we dipped into savings and purchased another. However, if U.S. Bank is claiming the Focus was discharged, and we were paying on the security of the vehicle, then we owe no money. Luckily, the auto insurance company stopped the check before they cashed it.
But U.S. Bank was willfully and knowingly COOPERATING with our insurance company just as if this was a stolen vehicle! We still do consider it a stolen vehicle. If we find a 'repo' in our credit report, I am going to have it changed to 'Discharged Under Bankruptcy' since I have a letter from U.S. Bank that mistakenly claims this. I just hope they don't bring the car back and dump it in our yard! They stole it, in our family's opinion, so they are now the proud owners of a 2003 Ford Focus. We just love our NEW Pontiac G-6! But watch it folks! If you've gone through Chapter 7, they might take off with your car and then let the insurance company pay for it!
Pantheray of Council Bluffsi IA (03/03/08)
I am a Vietnam Veteran's widow, disabled and cannot work. I only receive a DIC pension. My pension is Direct Deposited is to be available every thirty days of the month and no later than the first of the month, except February. I have received this monetary award for thirty-five (35) years. US Bank will not credit my account until after 3 p.m. on the first of the month, when the funds are in the account by the 31st or 29th of the month. If I make any purchases before 3 p.m., I am charged an overdraft fee. I have nothing to live on this month and cannot purchase my prescriptions, pay rent, buy food or even gas to get to my physicians, etc. I do not have check writing privileges nor do I own paper checks. I only have a Debit ATM Card. To date, US Bank has intercepted and confiscated my March 2008 VA payment, and has assessed my account $583.00 in fees. The total purchases to my account are $1546.90. (Two charges I disputed because I did not make the purchase, but US Bank put this non-pin purchase on my account on 2/1/08 after my deposit, then assessed me an overdraft charge of $31.00.) They did not apply this credit until February 27, 1008.
My total deposits for the month of February 2008: $2803.00. I took two Checking Advances on my account in the amount of $500. The Checking Advances turned into Checking Loans, which US Bank charged me $50.00 for 18 days! The loan repayment was not to be due until March 17 and March 21, 2008. US Bank removed my funds on March 1, 2008! Each time I would take the advance, US Bank sucked it up with erroneous and continual Overdraft Fees! Purchases (debits) are not credited to account until four days later. When I asked Rochelle, US Bank Specialist, about this, I was told that it took that long for the "paperwork" to get to them before they could post to my account. I spoke with Lisa on 2/24/08, and Lisa stated that she would send me the Dispute forms for alleged charges against my account. I never received them. I spoke with Devin on 2/28/08 regarding the forms not arriving, and he told me that the merchants had already refunded my money and it was posted to my account. I asked him which merchants, and he told me all he could see was Walgreens for $3.
The Over Draft charges were not reversed. On March 1, 2008, I went to the ATM, and my card was frozen; and the message said I was performing an illegal action. When I called and spoke with Brian, he told me that it was because of the Overdraft Charges on my account. When I went to US BANK to withdraw my money and close the account, US Bank had taken taken another $550.00 from my account! It doesn't take a rocket scientist to look at my February Statement to see the manipulation and trickery of US Bank in the way they post credit and debits in order to generate more fees!
I cannot pay my rent, utilities, buy food, buy my prescriptions, feed my grandchildren, purchase gas to get to my doctor appointments.
Rebecca of Bend OR (02/15/08)
The same old rant: Their fees, overdraft fees on pending transactions, are ridiculous. It's just a way for the bank to make money, and basically steal ours. The laws on overdraft fees need to be changed.
The fact is that our money--the money we make--is not available for use when deposited. Because of their fees, the middle income and lower income bracket people do not have enough money for the important things like feeding their children. Not everyone has a savings account and can wait 3 days for their paychecks. This interferes with providing for one's family and having any control over one's own income. The banking systems are taking too many liberties at the expense of their customers...and the law allows it. It has to stop.
Ronda of Maple Heights OH (02/13/08)
From January 28 through February 11, 2008 I have deposited $1,254.31 into my checking account. I have only spent $1,135.17 of my money leaving a balance of $119.24. But US Bank has charged me $140.00 in overdraft fees creating a negative balance. I called customer service to close my account due to US Bank continuous behavior of overdrafting my account when money is available. Customer service stated I cannot close my account with a negative balance.
Due to this hardship, my administrator had to call and have my check canceled for a job training conference. Now I have to pay an additional $110.00 because it was taken away in overdraft fees.
Brendan of Portland OR (01/30/08)
In early '07 I had a checking account and savings account open with US Bank. I wrote a check to my landlord for rent and the check was returned. My paycheck, although received by US Bank, had not cleared when the Check was processed. Ironically, the Paycheck was being drawn against an account held by the same branch. An NSF fee was assessed to my account. My landlord contacted me to inform me that the check had been returned. As the funds appeared on my online balance, I went to speak with a representative at the branch I opened the account at. I spoke with a young man and explained my situation. He apologized for the NSF fee and removed it from my account. I explained to him that my landlord no longer felt safe receiving a check from me and had requested some other form of secured payment. The representative suggested that I pay a fee to have a teller's check written for me. On his suggestion I removed the funds from my account, purchased a certified check and delivered it to my landlord in person.
Two days later my landlord's financial institution resubmitted the original check for another attempt at processing. This time US Bank released the funds to my landlord's account. At this point, after removing funds to purchase and create the certified check, my checking account balance was around $200. My rent check was close to $700. This placed my balance grossly in the negative and paid my rent twice. I became aware of this several days later when reviewing my online account. I noticed that there were several fees assessed to my account for NSF from multiple daily transactions on my debit card. I still don't understand why this transactions was allowed to occur when my balance was so far negative. I spoke to the same young man at the branch about this problem and explained that the course of action he suggested did not account for a banking legality that I was not aware of. The ability for a financial institution to process a check twice in case of initial denial. He argued that it was not the bank's responsibility to provide me legal sound advice. After some argument he agreed that he would wave only part of the fees assessed to my account. He also stipulated that I must return the fees owed to my account. Unfortunately for me, my landlord was extremely difficult to get a hold of. Would not respond to my phone messages or email attempts after repeated days. This was not uncommon of him and I was fearful that the situation would digress because of his flaky nature. Sure enough I was not fast enough and my account was closed days later.
I attempted to use my next paycheck to pay off the charges owed to the account and have it reinstated but I did not have enough money to pay off the mountain of fees that had been assessed to the account. Also, since the account had been closed I saw the level of bureaucratic neglect sharply increase. The people I spoke with on the phone were completely against the idea of freezing or suspending the account so that I could make up ground. No assistance was offered, only the acceptance of payment in full amount owed. At this point, 2 months later. I finally gave up.
I have since been without a bank account and have virtually no access to commercial banking institutions. I am listed in ChexSystems for Cause. I am currently seeking legal help to be removed from ChexSystems.
Brian of Columbus OH (12/26/07)
Before turning in my leased vehicle, U.S. Bank scheduled DataScan Field Services, a lease pre-inspection company, to do a pre-inspection on my vehicle. DataScan wrote up a report and sent me a copy. The report had 3 body area repairs needed and 1 maintenance item. (low coolant, right rear door refinish, right front door repair, left rear door repair)All these items totaled up to $585.
Within a few days later I got all of the items repaired/fixed. November 5 I turned the vehicle into an authorized turn in center. December 18 I receive a bill from U.S. Bank stating that I was being charged $432.34 in excess wear and tear. On the same day I called and asked if the repairs were not to their satisfaction. The answer I received from the phone consultant was that they do not do an inspection after the vehicles are turned, only before. The only inspections on the leased vehicles are done weeks prior. The only way not to be charged for the excess wear and tear is to fax the receipts of the repairs.
I explained to the consultant that I did not have receipts for some of the repairs because I took care of some of the items myself.( E.G. low collant) The consultant said I could not do that and if the receipts were not faxed to U.S. Bank within a few weeks the bill will go into collections. I did not know if I am in the wrong and should just pay the $432.34 or if U.S.Bank did inspect the vehicle and is just trying to make a few extra dollars.
By not paying this $432.34 balance this could go into collections and eventually end up as a bad remark on my credit.
Robyn of Boise ID (12/23/07)
it is Christmas season; I am a single mom and teacher. I don't make a lot but was hoping I could provide my son with some nice gifts. I went to look at my account and was shocked to see $200.00 in overdraft charges. Apparently when I went to look at my balance, there is a button I need to click to see if it is my available balance or my account balance. They are two different amounts, and you see the one in the positive but have to click to see if it is actually in the negative. (Yeah, I was confused too and am now suffering from a completely depressing Christmas break. USBank told me there is nothing they can do.
I sure wish they would let us know when they are changing their computer information. Kind of makes you think they do it on purpose to make money. Sad what this country is turning into when even big names are scammers.
Steve of San Francisco CA (12/08/07)
On November 30th, 2007, I received by postal mail my monthly credit card statement from US Bank. The payment was due December 5. Luckily for me, I opened the statement and wrote out a check for the monthly statement and paid in full. But my complaint is that why is a consumer such as myself given only four (4) days to pay off the amount in full? Stamped on the envelop in which the monthly statement was sent is the date of November 17th--when the statement was mailed from North Dakota 55108.
I cannot understand how the credit card, this instance, US Bank, WorldPerks Visa, serves their customers by giving people only four days to mail in their payment.
Marcia of Columbus OH (11/26/07)
I added a secondary account for my son from my primary account. On 3 occasions with customer service at 1-800 US Banks, I specified that it was to have no over-draft protection and no link to a credit card. Each customer service representative assured me it did not. Further, I specified to my local branch that the secondary account was to have no overdraft protection. I found on 11/7/07 that overdraft protection had always been on the account since it was opened in September 07. Approximately $2,500 of overdraft deposits had been made. I am a 7 year customer of the bank, considered to be a red carptet customer. I have refused to pay the $2,500 as it occured through gross negligence of the bank.
Economic damage has not occured to date as I have refused charges. No physical damage has resulted, only emotional stress and time invested from work in trying to understand why negligence occured and to gather information. The bank denies having record of my customer service calls and the local branch says they have no record of my request for no overdraft protection on the secondary account.
Nick of Co Springs CO (11/21/07)
I deposited 80.89 to pay off overdraft credit line and was off by .01 ONE PENNY.
The software transferred $200 from overdraft to cover the .01 and then when I went to move the 199.99 back to loan account they charged me $2.12 for the use of .01 for 1 day.
Two thousand percent interest for a day!
Two thousand percent interest for a day!
Mary of Littleton CO (11/19/07)
I received a check from a friend who had an account at US Bank. I do not have an account there. The teller was very cold to me because I did not have an account there. She charged me $5.00 for cashing the check. In addition, I showed two forms of ID and a fingerprint was taken. I do not begrudge the fingerprinting and having to produce 2 forms of ID. But I have cashed checks many times and was always treated graciously at other banks and never had to pay a fee. The teller at US Bank treated me like I was a thief.
Susan of Hanoverton OH (11/17/07)
I thought I had $20.00 in my account and made a few purchases with my debit card. I checked my account yesterday and I'm overdrawn $330.00. I'm telling you my purchases were $1.00, and a few $3.00 purchases for lunches at work. I'm a divorced mother of two who just started working. I work for the state and my first paycheck was held for a month. So now my second paycheck is all being taking for overdraft charges. I went over (so the bank claims) maybe a couple of dollars and they charged me $300.00 in overdraft charges.
They approved the purchases and charged me $35.00 for each time I used my card and there was no money in there. I asked them why they did this. They said it's a courtesy we extend our clients. How is a $35.00 charge for a $1.00 purchase a courtesy?
Chanel of Elk Grove CA (11/16/07)
Two years ago, I opened up a credit card account with US Bank to start a Mary Kay business during my fourth year of college. I opened the account over the telephone with the help of my Mary Kay director. Each month I was on time with the payments. However, I was late on one monthly payment because the business was not going well and I was still looking for steady, part-time employment. But when I got the money to pay the bill, I sent it in and was on time with the other payments.
However, in September of 2006, I looked online to check my account and my credit limit was reduced by $100. I noticed that this was done coincidentally after I was finally more than $100 under my credit limit of $2000. Around this time, I lost my job and couldn't afford the monthly payments.
Because I could no longer afford the monthly payments, I was over my limit and they began to put monsterous charges on my account. I was double charged over the limit fees and late fees and was eventually hundreds of dollars over my credit limit. I feel that they took advantage of me because I am a college student who was just establishing credit.
This has caused me a lot of damage economically, physically and has even affected my relationship with my family. For example, this company informed my mother about my credit card situation, which she immediately confronted me about. I didn't think that credit card companies were supposed to inform family members about credit card bills.
I have even gone to a counselor on campus to discuss how depressed I have been about this situation and how it has affected my relationship with my family. My hair was even falling out due to the stress this was causing me, which I told my counselor.
I also feel that my employment opportunities may be limited since I learned that many employers conduct background checks on applicants, which may include credit checks as well. Because of the action that US Bank has taken with my account, I feel that my credit is in trouble and may affect my ability to be independent even years after I graduate from college.
Dawn of Newcastle CA (10/29/07)
US BANK has closed my account due to their inability in basic bookkeeping procedures. I was charged a total of almost $3000.00 in overdraft fees because they would not credit my account w/deposits made in cash or check. I went into all the local branches insisting on a reversal of charges. They complied two times, even after I did as they suggested and deposited cash by 12 noon to make sure the money was in the account for weekend transactions. I was still charged for overdrafts. I never bounced a check in 10 years, and all of sudden I was in the negative. Three years ago when I walked away the account had $700.00 of overdraft fees and no one would fix the error of not crediting cash deposits. They simply stated, "I cannot help you."
I no longer can get a checking account. US Bank is able destroy lives and not be held accountable for their actions.
Brandie of Las Vegas NV (10/27/07)
On 10/19/07 I noticed activity with my US Bank debit card that was not authorized by me. I immediately contacted the fraud department at US Bank. I was told that they would put a stop on all debit and credit activity. I went to my home branch to fill out the proper forms. I was told that I would still receive the forms in the mail. I have not received them over one week later. On 10/22/07 all of the fraudulent charges as well as the overdraft fees were removed from my account. After all credits and debits being blocked from my account someone was still able to access my balance from an ATM and my account was charged $1.50. They did refund this as well.
I am more concerned that this was even allowed; all the activity should have been blocked. Once all my money was back in my account, I immediately closed my account with them on 10/22/07. Before closing my account I was assured my paycheck direct deposit would be rejected and sent back to my employer. I was assured that this would happen because once an account is closed there cannot be any activity on it. Well, this didn't happen. On 10/25/07 the fraudulent charges magically appeared on my closed account and caused my account to be re-opened. I now have to wait for the bank to continue an investigation that I was told was complete. That's 10 business days if they hold true to what they say. This bank does not know what they are doing. I can talk to four different people about the same situation and get four different answers.
I am out for the time being over $1300. I have a 2-year-old that I need to provide daycare and food for. I cannot do this while waiting for this bank to get their stuff together.
Sam of Dublin CA (09/30/07)
I just overdrew my account by $20, and after one week I had a negative balance of nearly $200! They charged me different types of late fees, etc. I have asked them to return the money or charge me once. But I always receive a standard email that they can't do that. I am having to pay $200 for a $20 dollar overdraft. This is 1000% for the time frame of a week!
Leeann of Florence MT (08/21/07)
We have had the same experiences as many I have read. My son had an account with US Bank. He was showing a positive balance on their internet banking site, followed by an over draft charge. Over a short period of a few months, US Bank stole close to $1000.00 in fees from my son's account. He called them, We wrote to them, He closed his account, they even returned some of the fees because of thier errors. Which by the way was very hard to explain to them, mostly because they don't listen, or won't consider they make mistakes. Now after a few months of peace and quiet, they have decided my son still owes them money and because he changed his phone number, they can no longer reach him. Thier solution to this problem? They have started calling me at home. They got my number through an internet search or bought it off of a list. They have made the connection some how between me and my son.( which they deny) I have told them he does not live at home, I have ask them to stop calling me. I have turn them into the BBB twice.(both times the case was closed, when I didn't accept thier response) I have tried everything and they will not stop.
Keith of Weston FL (08/04/07)
Upon termination of 2004 Lexus lease, I received an itemized breakdown of the remaining contractural charges due resulting from an inspection report completed by a field representative of Datascan Field Services.The charges were as follows:
Replace Front left Goodyear tire...$237
Replace Front right Goodyear tire..$237
Hood/Cowl Multi CH Refinish......$170.10
Left 1/4 panel 6 DT SC repair...$246
Left Rear Door 3 SC Refinish....$75
1 SC Refinish....................$75
Right Rear door 2 SC Refinish.....$75
Carpet/Mats RR Mats ST Replace.....$40
Interior Trim Panel HD Liner ST.....$75
Missing Cargo Cover ( Was in vehicle when returned....$813.62. For the record, I have always leased vehicles and have never had any additional charges for excess wear & tear. When I attempted to contact the bank for an explanation of these charges, I was told that It was none of my business and I had no choice but to pay. I believe these charges are over and above Excess Wear and Tear . It appears US Bank has constructed a profit center specifically to scam the consumers at lease termination.
James of Coon Rapids MN (07/27/07)
I use to purchase coins from the US Mint which I had used my US Bank credit card. Well I cancelled that card and signed up for a different card from US Bank. Forgetting to up date my US Mint login I received notice that my orders could not be filled due to invalid credit card. I wanted to try and get my finances in order so decided not to update the site and not get any new coins for a while. So I finally have reached a point where I have very little on credit cards and had paid off my US Bank credit card. Then to my surprise I received new coins from the US Mint. I logged on thinking my old number had been reused and someone might be getting cheated by the number being billed for something I received. I looked at my account history on the US Mint site and for at least the 6 before (that is all I checked) it showed cancel by customer I assume because of the invalid credit card. Then it showed the coins being sent. So to make sure this mistake didn't happen again I cancelled my US Mint account. Then to my surprise I receive a letter from US Bank yesterday that informed me that they had processed the US Mint order on my old card and put it on my new account. The letter also stated that the old account would soon be deleted. When I signed up for my new credit card I was told that the old card would only be honored for so long, I am not sure but I thought it was just a couple of months. Regardless they did stop payment for orders from the US Mint. I have had my new account long enough that I have received a new card to replace the original one. I think it is wrong that I try and get out of the credit card debt and once I had the balance to zero all of a sudden they are honoring my old card requests again. This is why so many american people are in the financial situation they are as it appears some banks will do anything to make sure they get more money from their customers. Banks or business should not be allowed to due things like this.
Steven of Roseburg OR (07/18/07)
When I opened the account, the woman told me that any government check deposited was usable the next day. I kept a couple hundred back from my first check deposited. When I deposited my second check a couple weeks later, the trouble started! I wrote checks for my rent, utilities, etc. & sent them off. A few days later I started to receive notices that my checks were being paid but they were charging me $35.00 each for processing them.
They explained to me that for the first month they held every check you deposit (Govt. or not) for 7 days! Why didn’t they tell me this to begin with? I have since discovered that if you overdraft your account they charge you a $35.00 fee & if your account doesn’t have enough in it the next day to cover their overdraft fee they charge you another $35.00 overdraft fee & so on till you make another deposit to bring the balance up to positive balance. Now I have to borrow money to cover this nonsense!
Rhonda of Lexington KY (07/17/07)
I had a balance of 18.87 in my checking account. My direct deposit from work of 951.22 was added. Two days later, a check that I had written the day before in the amount of 42.68 was debited to my account, but they put it in before my deposit, creating a deficit of 23.81. They charged me an overdraft fee of 35.00.
Subsequently, several of my checks and debits bounced and I have been charged 364.00 in overdraft fees and a daily negative balance fee of 7.00, 14.00, or 21.00. I don't know how they account for that. They won't close or freeze my account.
Rachel of Scottsburg IN (07/10/07)
I checked my acct online only to find it in the negative. They took out $598.86 for Overdraft Recovery. This was my rent! I called and spoke with two different customer service agents who told me it was for an acct from 2004 that was charged off, which I only have the one account.
T. of Potland OR (07/07/07)
We generally deposit over 7,000 a month into our account, but yet they put holds on our cash deposits. I have had nothing but overdraft fees after overdraft fee's with this bank I went to close my account and was told that I was overdrawn and they would reverse these fees. I kept an eye on my account and nothing was done. Three business days later I got a call from a branch that told me they wouldn't help. This caused a 28.00 fee for every over draft fee that was not my fault due to banking errors.
Erica of North Las Vegas NV (07/03/07)
I have had my account with US Bank for over a year now, and there have been multiple occasions in which I received overdraft fees for debit card purchases even though there was more than enough to cover my purchases. What US Bank is doing is wrong, and they need to be investigated.
Kenneth of Las Vegas NV (06/03/07)
the first problem was a hold on my company payroll check. the second problem was a counterfeit bill from usbank that was identified by a casino cashier. the next problem was in a checking account transaction my savings account balance was automatically transferred to my checking account and a $45.00 fee was charged. next my account was charged a overdraft fee that created a negative balance. this was followed by three additional overdraft fees.
I contacted usbank and all of the fees were reversed. I have withdrawn the available funds from this account. there were no transactions pending. there are now four additional overdrafts and another negative balance fee. I am obviously closing this account.
Nicole of Eagan MN (05/04/07)
My roommate banks at US Bank. She gave me a check for bills that had been paid by me earlier and said she had no cash, so just take it to her bank and they will cash it. I went into the bank and presented the check to Stephanie -- who ignored me for about five minutes because she was in deep conversation w/ another teller about how long a lunch break someone else took and how she "has issues."
I presented the check to her and was told if I don't have an account with US Bank, they will charge me $5 to cash it. I said this patron banks here, do you charge $5 for every check she writes? She said no. What a rip off!
Mary of San Mateo CA (05/02/07)
US Bank is ruthless. I had made a deposit and received my receipt showing my balance and no hold. I wrote out checks. Then the next day I called and they said I was fine. They paid three of my checks and charged me $23.00 for each of them total of $69.00.
Michael of Evanston IL (04/17/07)
My balance went negative because they process withdrawals immediately, but sit several days on deposits. When the check was finally processed, it brought the account positive. They then assessed $70 in fees because of the previous negative balance. Because this fee drove the balance negative again, I was charged $100 in more fees. A similar thing has happened to me twice before in the little over 2 years I had the account. Over the 3 incidents, I paid about $400.
April of Hopkinsville KY (04/05/07)
I got online one day to check my account access and realized that it was overdrawn. I had been charged about ten overdraft fees. The woman that handled the checks was very rude and insulting. She refunded half of them. I am positive that I was doubled charged for the checkcard purchases, but she expertly evaded being put on the spot. It makes me think this must happen quite a bit. I than asked her about overdraft protection, and I was told you have to have excellent credit for that. She said this in a very rude manner. Well, there is nothing wrong with my credit.
If you have several items that are going to post, they will take the largest item and post it first, to purposely make you bounce all the rest. Most people live paycheck to paycheck, and can't afford this.
Alice of Boise ID (03/24/07)
Consistently charged overdraft fees for an account that was positive, which in turn causes enormous amounts of returned checks, etc. I closed one account after over $2,000.00 in fees thinking that maybe I could get control of the account. Second account has been opened for two months and 7 days and has charged me over $1200.00 in bogus fees. The only reason my account ever went into a negative is because of the bogus fees.
Not only has this hurt my finances including my power turned off, almost being evicted, but my entire bonus and almost 1/3 of my pay has gone to bogus fees.
Tara of New Carlisle OH (03/24/07)
For the past year I have been beating myself up thinking that I was just a horrible banker. Whenever there was something I didn't think was right on my statement I called and asked a Customer Service Rep (or went into my local branch). I have been charged fees upon fees. I always left more confused. This past Tuesday, I deposited $2,000.00. I had $53.00 and like always the teller said the first $100.00 was put in the account and the rest would be available Thursday.
Today I looked at my online statement and noticed that my account was minus $145.00! Customer service said that my entire check was held for at least 7 days and sent to the fraud department. I don't understand why it was sent to the fraud department and frankly feel like I should have been contacted. As a result, any transactions I had Friday and Saturday are going to be over drafted. (There are 6 of them)
Furthermore while making the same transaction I asked for two $10.00 money orders. They wanted to charge me, a customer of the bank for two years, $5.00 for each one. I went next door and got two money orders for $1.16.
Chris of Olathe KS (03/20/07)
They use their Available Funds policy to rip off their customers with overdraft fees. It seems that every time I even use my debit card for a small purchase I end up getting charged over $100.00 in fees. Recently they added the credit advance feature to my online account. I advanced some money to pay a bill which was paid the same day as I advanced the money. I then had a check deposited the day after.
They automatically took the entire amount of the check I deposited to pay back my advanced money and proceeded to empty my account before the above payment cleared and therefore charged me overdraft fees for that payment and then the famous negative balance fee of $7.00 per day until I could afford to pay back what they had charged me.
They also make sure to take out all charges from largest to smallest first and then do their deposits afterwards. This way if the largest one happens to overdraw the account before they do the pending deposits they can charge you $30.00 for each of your little $1-$5 transactions as well and then they have your paycheck sitting there waiting to be deposited so that they can just deduct the few hundred dollars they charged you for the usually about $50 worth of actual transactions. This bank is a joke.
Josh of Columbus OH (02/25/07)
I opened my account with the bank in early February. On Thursday Feb. 15th I deposited a check (over $550) into the bank account from Time Warner Cable; paycheck. On Monday, after confirming the check cleared, I did my daily transactions as normal. It was brought to my attention on Wednesday the 21st of February that my account had an issue; a debit trans. was denied, so I called in to inquire. I was told by the branch manager that their bank has a policy of holding any check for the first thirty days of account activity for an extra five days after clearing.
The problem is, when I opened the account, I was never provided any information regarding this. In fact, the CSR that opened my account told me that she did not have any account packets on hand at the time; therefore I was never informed about this policy or its effects.
The consequences of this are that I have been charged six (6) $31.00 overdraft charges totaling $186.00. I have also been charged a $31.00 check return fee. As a consequence of this, the returned check was not paid and I will be assessed a charge by the company the check was written to.
Gene of Fife WA (02/09/07)
I called them because they never received my monthly payment, and I was going to be charged late fees. So, like anyone would, I called them and made spoke to them about it and was advised to make a payment over the phone, or cancel the check with my bank. Here's the catch... if I cancel the check with my bank, it will cancel any type of electronic withdrawal they make against my bank account for that same amount, since they don't deposit the actual checks that they receive.
I make the payment over the phone with a processing fee and take it in stride, if it avoids me having a late fee. My bank can't cancel the check, so if they receive it, who's to say they won't just deposit it again... WHICH THEY FREAKING DID!.... So, I called US Bank back, and just as I expected, they can't refund the electonic payment and processing fee.. and when I asked why, they replied that's just how we do things.
Rosita of Chandler AZ (11/18/06)
On November 11th, 2006 I deposited a check into my US Bank account through the atm. Thinking that my check would be posted (it was only for $82) I proceeded to use my bank card. When I got paid on the 17th I noticed more than half my paycheck was missing ($637 worth). Just to let you know I am a single mom with 3 boys and I work hard to put a roof over their heads and food in their stomachs. $637 is enough for us to go hungery. Plus it's a week before Thanksgiving. When I learned of this I went to the bank and asked what was going on.
Well since I put the check in on a weekend, Veterens Day weekend at that my check didn't post till Tuesday resulting in 19 overdraft fees at $35 each. They basicly told me too bad and felt they were cold and inhumane. I then called customer service and was told the same thing and once again they DID NOT care that my kids would go without a food or a Thanksgiving meal. I put the money in the bank fully thinking it was in my account, it's not like I was out there writting bad checks or spending money I did not have. In all reality the money was in the bank and you would think they would do something to help me. This morning I had to apply for emergency assistance so I could try to feed my kids on Thanksgiving. If I don't get that then there will be no Thanksgiving in my home.
Rebecca of West Hills CA (09/04/06)
They can not send my credit card statement in a timely fashion. My statement end on the 17th of the month and I receive it at my house 1 day before it is due causeing my to have a late fee. They claim they mail these in plenty of time. Usually within two weeks but there is no way it take to weeks for mail to get across the country. This has happend to me 3 times now. I don't think I should be punished for there mistake. They are also good at blaming someone else i.e. the post office or me. I always pay my bills on time and in full so I feel this is an unfair way to conduct business.
They are a HORRIBLE credit card company and after my next statement I will be cancelling my card. They also have HORRIBLE customer service. They are doing this just to reap the benefits of people having to pay a late fee. Especially since I pay in full and they make no money off of me. This is a game and I am SICK of it and I belive something should be done. This is not the correct way to conduct a business.
Mike of Aurora CO (09/02/06)
I was recently denied a checking account with my local credit union. The ChexSystems report stated that someone had opened a checking account with US Bank using my social security number and a different name. US Bank had closed the account due to account abuse and reported the debt to ChexSystems. I called the US Bank fraud help line and they were little help. They told me that I'd have to visit a local branch to prove my identity, but I would have to wait two days before they could fax the paperwork to the branch.
I contacted my local police department. The responding officer refused to take a report because he said it sounded like a bank error, rather than identity theft and wanted me to verify the information with the bank. Unfortunately, without a police report I could not get any information. I called a local US Bank and was transferred to Jim Cook, the Branch Manager. I asked him how this could possibly happen and whether or not they actually compare social security addresses with names. The Branch Manager stated that US Bank does not ask to see a person's social security card unless that number has a history of account abuse (such as bounced checks). They do not check to see if the name and social security numbers match.
When asked if he would consider changing the policy regarding unmatched names and numbers, Mr. Cook stated that his institution would not change the rules unless forced to do so by federal law. The next day I tried to arrive to Mr. Cook's bank to pick up the ID paperwork and watched him lock the doors five minutes before closing. I was completely frustrated. I called the branch manager, Morgan, where the account was opened and asked if there was the possibility that it was a bank error. I explained that the police officer needed to know before he would take the report. Morgan assured us that it could not possibly be a bank error. Well, I finally did get the officer to take the police report. I paid for a copy and learned that the bank had indeed made an error - the man's social security number was just one digit from mine! It was not ID theft but a clerical error!
The bank still says that they will not fix the problem until I mail a certified and notarized affidavit of ID theft and provide copies of my social security card and driver's license. I'm frustrated. I don't want to accuse a man of a crime he did not commit: I just want US Bank to fix their records. They know his SSN# now (it is part of the police report) and should be able to fix their mistake without costing me any more time and money.
At this time, I cannot open a checking account. I placed a fraud alert on my credit reports. This is an inconvenience and makes it difficult for me to obtain credit. I spent several hours on the phone with US Bank representatives (some of them were downright condescending); credit reporting agencies and checking account reporting agencies. The financial costs have been minimal (less than $200 so far), this amount includes postage, gas, report fees and time away from job.
Julie of Blaine MN (08/30/06)
I received a 'special offer' with my current bill to accelerate my mortgage with biweekly payments. After reading the fine print I discover I was agreeing to have US Bank & any affiliates draft an additional payment of $295.00 to 'start' the plan. I also was agreeing to a monthly service charge of $5.42. To clarify these charges I called the phone number given on the paper...which was 1-800-458-1564... During this first conversation with a customer service rep I asked if it was possible to waive the 295.00 charge and she said that was up to US BANK and asked me if I would like to be transferred. She said it was up to the company advertising the deal on the paperwork. When I read the exact words back to her that stated US BANK would draft this amount...she placed blame on the other company and said I didn't understand.
At this point I asked US BANK if I could pay bi-weekly or bi-monthly and could they help set me up? She told me the only program was thru this solicitation. I requested a supervisor from US BANK and ended up having a three way conference call with the affiliated company but the US BANK rep hung up. I explained the issue for the third time and was quickly realizing this was a scam with a $295.00 service charge. I talked with a Dora S at the affiliated company and she refused to direct me to her supervisor, give a name or phone # saying she had left the building.
Lyonel of Somerville OH (07/20/06)
I found that US Bank debits checking accounts by deducting the highest amounts first regardless of when the debit was made. I made some small purchases such as groceries and gas. At the time of the purchase there was plenty in the account to cover. A few days later a large ACH was drawn. All charges reached the bank at the same time. Because there were insufficient funds to cover the ACH and because US Bank debits the highest first regardless of when the charge was created, rather than one overdraft charge for the ACH, I had six $35 charges. When I complained, the bank tried to get me to get another credit card or open a home equity loan account. This is an unnecessary and sneaky way to make more money. I have no control or idea when debit card purchases will appear at the bank.
Crystal of Muscatine IA (06/30/06)
Fed up with US Bank Today I spent two hours on the phone with representatives and management from a bank that grossed at the very least $1,000 in overdraft fees directly from my account. The bank who encouraged me to set up an internet banking account to keep better track of my account, was charging me $35 dollars for checks in which had already (according to my internet banking) cleared my account.
The day of my alleged over draft fees had no recognition of a check that had not cleared my account. However, the following day when over three hundred dollars was to be directly deposited into my account to clear a check that according to the online banking account had not yet cleared, I was astonished to find that the check was under the previous day account records. On the day previous to my direct deposit there were no indications that the check had not cleared my account, in fact there were no indications of the check being present at all.
Stephanie of Bloomfield MO (03/19/06)
I am a Girl Scout leader. Our troop had $730.00 in our account, but when I opened our statement one month, it said we had $4.00! I knew there had not been any activity with that account for several months, so was quite shocked. When I called and spoke to the manager (Marilyn something?), she said that another troop leader had drawn out all of her troop's money, and then overdrawn that account by $726.00.
It was too much of an effort to pursue her, so they took the money out of our account, since we were tied on by the same sales tax number. That leader's name had never been on our account. The woman at the bank explained that it would be like a parent/child bank account, and if the child overdraws, the parent's account is raided to make up for it. They would not fix this for us, and made the Girl Scout office fix the problem instead.
We got our money back around 1 year later, but the bank never did anything to fix their end of the problem. The bank also seemed unable to keep the GS accounts straight. They sent troop statements to the wrong leaders, even after we kept calling them and asking them to straighten this out.
Caroleof Halifax PA (01/24/06)
I'm retired and very able financially to pay off of bills as they come due and we do pay on time and in entirety. Credit cards are a matter of convenience. I have had the World Perks for a number of years for purpose of travel and "miles". When we returned from Disney after Christmas Dec. we sent the payment in on Dec. 30 from the PO. It evidently did not arrive by Jan. 3?? And now they will not bend to release the late fee and a finance charge. It is claimed that the payment was not received until Jan. 4.
Since I ALWAYS pay in full and on time and have had this card for years, I found this was undue penalty...$103.06 for being "caught" sending in my payment on Dec. 30! Amazing. Obviously, this card will be cancelled but people should be warned about the excessive use of "power" and greed on the company's part. James requires a direct bank payment of which I do not want to spend the $$ for such an unnecessay plan. IF I do this, he will refund my late fees and interest even though I WILL cancel the card. And what is the guarantee that he will indeed refund the extravagent fees?
Is this the way for the credit card company to muscle direct bank payments??
Shannon of Lake Elsinore CA (01/01/06)
I have had nothing but problems with this bank and called the customer service line and spoke with Nina, after asking for a supervisor several times I got angry with her and cussed her out. Later on that evening I had 3 police officers at my door that Nina on behalf of Us Bank, had filed a police report claiming I had threatened to bomb their bank! I was taken to my local jail and later released.
Jeremy of Rockford IL (12/26/05)
I opened a new checking account with them. Approximately two weeks later I called to check the balance on the automated line. My social security number wouldnt work. I spoke with a representative. He couldnt make it work either. I said, well I just opened an account that doesnt have a lot of money in it, but I am concerned as to what happend to it. He looked it up under my name and found it.
After a couple questions, he didnt really want to seem to give me the information I wanted. So I said, hey man, what is my balance. He said, you are overdrawn $186.00 (or whatever he said for the amount). I said what? What put me over? He said CHUCKLED and said a charge from burger king of $6 put you over. He actually laughed. I said whats so funny, was I charged an overdraft fee? He said yep, 30 bucks.
I went in that Saturday to speak with CSR. She couldnt do anything. She couldnt even explain my account breakdown to me. It is intentionally written misleading. LONG STORY SHORT..I have my paper statement that they sent me in the mail... On the 17th of Ocober I had $3.00. On the 18th i was minus $147.00. The only thing that came through were overdraft fees. Thats it. I wasnt overdrawn until the fees.
They illegally charged me overdrafts for no reason. I tried twice to resolve it in person. No help. I sent two letters to them. No response.
Cricket of Las Vegas NV (11/29/05)
I went into my bank's local branch to deposit a check. The teller, who spoke with a heavy accent, asked me if I had "received my new card" to which I replied that I had not. She stated "you will be receiving it shortly". As I was in a hurry, I left, assuming she was referring to receiving a new check card. I thought that perphaps my card was nearing expiration.
About a week later I received a new Visa Credit card in the mail issued by US Bank with a high credit limit. I called to inquire and was told that it was authorized by the same branch where I had made my deposit. I was never asked if I wanted to apply for a new credit card, never signed anything or notified in any way.
Angela of Vancouver WA (11/12/05)
I recently noticed that my bank has been hitting me with overdraft charges. When I called to ask them about them, i was informed they charge the $34.00 per item that comes into your available balance. Meaing if you show you have $5.00 available balance, and you use your debit card for a $6.00 purchase, they will charge you the $34.00 overdraft charge. Bear in mind, this available balance does NOT reflect any credits you have coming in, I have direct deposit thourgh my employer, so i know my checks are deposited at 12 on the date of payday. Yet, US BAnk will still charge me these amount.
Recently, i had a Credit Transaction on my Available Balance and they hit me fore 2 overdraft charges. The credit transaction was for $75.00 which i made on 11/10, knowing my check would be deposited on 11/11. I had two items that cleared my bank on 11/9,which at that time had $68.00 in the account to cover, this left me with about $6.00 still in the bank, and yet, they charged me the overdraft charges. This is not the first time they've done this. Their answer, get overdraft protection, so that they only charge me $5.00 for transferring money between my accounts.
David of Gardendale AL (10/13/05)
My boat was damaged by Hurricane Rita. My insurance company sent out a marine surveyor, who gave them an estimate for damages. The insurance company then sent out a check made out to US Bank and myself. US Bank refuses to endorse my check so I can get the boat fixed because they say the estimate from the marine surveyor is no good. They will only accept an estimate from a repair facility.
I have explained to everyone I come in contact with that this is a sailboat. It has to be decommisioned with the mast and rigging removed before transport. I am not going to pay this without the money that the insurance company has already paid.
So far my boat has not been repaired and is sitting exposed to weather. I have already worked out an agreement with the marina where the boat has been removed from the water, but the repair facility is about 90 miles away. I don't see how they can hold the check. The survey was good enough for the insurance company to go ahead and issue the check. Why is it not good enough for the bank. This is not coming out of their pocket. It is the insurance company money.
Sallie of San Carlos CA (04/26/05)
I recently obtained a Gymboree card from usbank, specifically because it had the option of adding your children's picture to the card. This morning I was told that I had to include the last four digits of the account number, as well as my entire social security number, on the photograph. After arguing with several usbank reps (including casey #10337 - she's not allowed to release her last name) that this policy protects usbank, while risking my identity safety, I was told to take it or leave it.
Carolyn of Marysville CA (12/03/04)
A company by the name of Liberty Wireless charged me for a cell phone I never ordered. I contacted my bank as soon as I realized I had been charged and they quickly credited me $1500 for bank fees and the cell phone charge. This was in August. Than on September 20 I was charged for the same product and I have paid $700 in charges for a product I never ordered or received. My bank has not made things right and I am on a fixed income. I am being robbed by my bank and this company.
Jim of St. Louis MO (04/07/04)
I just started a new job and I am trying to get caught up on my bills but US Bank is making it impossible. They have charged me over $500 in overdraft and over the limit fees. These fees are $32 per occurance. My checking account has a negative balance and they are charging me $7 a day for this as well. I will give them credit they reduced some of the fees in the beginning but refuse to do so now. I try explaining to them that I owe them money and these fees are making it harder to accomplish this but they don't seem to understand.
Jerry of Boonocks OR (01/31/04)
US Bank ripped us off for hundreds of dollars. Their ATM system failed to process a simple transfer between accounts. This caused numerous checks to later bounce. U.S. Bank started "stealing" overdraft penalties from our accounts, even though the problem was caused by their mistake. Then they wouldn't give the money back. We had to sue US Bank twice to get our money back and repair the damage they intentionally caused to our credit rating (retaliation for filing a lawsuit).
Cost us a bundle to finally get our fiscal matters straightened out. They advertise "5 Star Guaranteed Service"; bull****! All we got was 5 Star Screwed.
Amy of San Diego CA (12/12/03)
In July 2003 I checked my checking balance at an ATM and it said I had enough funds available to withdraw $20. I did so and found out several days later, after going online to view my account, that I did not, in fact, have enough money to withdraw that cash. US Bank does not earmark credit transactions that they approve. The money is still available until the merchant submits the charge for payment.
US Bank allows this to happen in the hopes that consumers will miscalculate their account balances so that they may charge $32 overdraft and returned check fees. They take no resonsibility for providing accurate account balance information. Furthermore, from this $20 overdraft, my account has been closed and the balance is now -$480 (plus some change) because they charged me a daily negative balance fee and refused to close my account. They did not send me mail notifying me that my account was overdrawn.
When I called the bank they confirmed that they had the wrong address on file for me. I had recently submitted a change of address, but they had entered the address incorrectly in their system. They have refused to work with me or accept any reasonable settlement. They want the full $480--which is complete usury.
Tammy of St. Augustine FL (12/08/03)
On December 5th purchased used washer/dryer. Gave check for payment in full to company rep. Washer/dryer company said it lost my check). Called US Bank and requested stop payment on "lost" check. Was not advised of time limit on stop payment. Paid $29 fee. Issued new check deducting $29 for fee -- (If I had been advised of time limit I would have deducted TWO $29 fees!!!)-
Two weeks later receive confirmation of stop payment request noting an expiration date of 103/06/06. !!!??? 11 months and 10 days after original check is lost and stop payment issued - US Bank cashes LOST CHECK (11/10/03)- I call -- they advise (almost one year later) - that there is 6 month time limit on check and check is not considered "stale" for one year. I am out $324 !!! US Bank failed to adequately disclose pertinent information while initiating a verbal contract over the phone -- and the receipt was undecipherable as a 2003 expiration date. THe bank apologizes for this unfortunate incident. Will deposit $5 in my account as apology.
Gina of Overland Park KS (10/25/03)
we made a deposit at the above bank location on saturday to a live teller and during that same weekend we made several purchases with our visa check card. the bank authorized each transaction however charged our account a total of $280.00 in overdraft fees, 8 @ $27 each and 2 @ $32 each. the funds from the deposit were not available for cash withdrawl which is understandable but the visa charges have to be received and confirmed as does the deposit. they are telling me the visa charges are automatic and do not need to be confirmed but they will hold a deposit.
The money was clearly in my account and never once did we come close to a negative balance (that is before they started taking out multiple overdraft fees) this is absurd that they can cause our family a financial hardship like this. if they wanted to hold our deposit for verification then why did they not "freeze" purchases on the visa card until they decided the funds were available rather than allow everyone to go through? Our family cannot survive this week now due to losing $280.00 out of our account.
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