SAN DIEGO, CALIFORNIA -- I had loaded money onto a prepaid card and entered the Vons to use the ATM. I did not notice that the machine was out of service and stuck my card in the slot. There was nothing there to catch it and it fell in behind the wall. I looked through the slot and could see someone back there. A shrill voice angrily ordered me to get my fingers out of the being serviced slot because the machine was being serviced.
I literally took 2 steps to the service desk and explained what had happened when a short, unattractive woman emerged out of nowhere. Without identifying herself, or asking who I was, she hatefully explained that she could not give me back the card that she had just seen me drop 5 seconds earlier. It is important to reiterate that the ATM was not in service. It did not confiscate my card. SHE did! She absolutely refused to give it back, citing bank policies and federal regulations that apply to cards that are retained by ATMs, although this was not the case!
I demanded that she return my property, but she took great pleasure in using a taunting, teasing tone that would remind you of a bratty child playing keep away on a playground, to tell me I had "no options." It wasn't until I reminded her that one of my options was to come across that counter and get it myself that she threatened to call the police, which would have saved me a phone call to them to report what she had done to me! I left and spent 3 hours on the phone trying to explain the situation to robotic customer service "specialists," and get some resolution.
I finally spoke with a member of US bank security who listened and told me that the manager was clearly in the wrong and assured me that she had the authority to instruct the manager to return the card, provided that proper ID of the cardholder could be verified.
She promised to contact me first thing in the morning. Of course I did not hear from her. When I called her, she made no apologies for the fact that the manager had already destroyed the card. This was a prepaid card, so I did not have any other record of the number on the card. The card issuer will not tell me the number for security reasons.
I am out $200 that there is no way to recover because of this. What's worse is that I had to send my 3 kids to bed hungry because, "the lady who works at the bank stole all daddy's money." This lousy excuse for a manager should be fired for misrepresenting the bank's policy, and brought up on criminal charges for stealing my property. I found her and every other bank employee I spoke with to be aloof, misinformed, spiteful, and dumb.
A bunch of impish, overgrown children dressing up in business attire to "play bank." Corrupt, heartless shells of human beings who are very dangerous in positions where they have the power to make decisions that affect people. They should be punished mercilessly!
PORTLAND, OREGON -- My daughter's card was stolen, It took me two times for Visa Buxx to recognize that I had filled out the paperwork. Then they still denied the fraudulent charges and kept her account in the negative because that I was not going to pay the 10 dollars to get a new account. Know where does it state in the initial contract that if you do not get a replacement card your charges will not be considered fraudulent... scam. Do not get a Visa buxx.
My wallet was stolen, I called US Bank within 30 minutes of the wallet being stolen. The bank cancelled my charge cards but did not put an alert on my account. One week later, the thieves brought in a remade ID with my information on it, and the bank teller, gave them my account numbers, and in the end Eight thousand dollars. I had to submit my paperwork three times. It took two months to get my money back.
When they gave my money back they gave me too much, but they had closed my account and I did not have the time to double check the work yet when all of sudden the Fraud dept realized the mistake and then just took the money without explanation or warning so that it did not bounce.
When I called and spoke with the fraud department the woman told me I should have known that the money was not mine... which would have made since if I had found the time to balance my account. I am in the military and travel a lot so no I had not had the time. I explained that she should have given notice to me again. She then laughed at something funny, I hung up. The next day, I was also informed that the overdraft was not paid off and I owed money. When the account was closed, I had asked the fraud department if they had paid my overdraft off and they said YES. Stay away from US BANK...
CINCINNATI, OHIO -- US Bank has an interesting policy. That is, to misinform the account holder of the actual balance of their account, tricking the account holder into spending more than they actually have, then actually CHANGING their own listed online banking records as it suits them to force multiple overdraft charges. This has been observed several times, when, having checked my online statement multiple times in a day over the course of a few days, the listed order of transactions has changed within hours - with the obvious purpose of forcing multiple overdrafts.
Yes, my account was overdrawn due to ONE charge. Oops I screwed up, so I transferred money to cover this overdraft. Upon checking back on my account the next day, the available balances listed per transaction had ACTUALLY CHANGED FROM THE DAY BEFORE! As a result of this deception, my account had been charged 2 additional overdraft fees. That's $120 or so totaling deceptively devised overdraft charges.
Even sneakier, these crooks decided not to reveal the changes and the overdrafts until the end of the next day, in order to wait until the very last possible minute, hoping, even EXPECTING me to check my balance through the day, "think" the account is positive, and (hopefully for U.S. Bank) make a few more trivial purchases that day and rack up a few more overdrafts. This is a very low blow by Screw US Bankcorp. It is misleading, dishonest, and takes advantage of people's trust in their online "banking" system by feeding misinformation and changing transaction history to steal your money.
Avoid U.S. Bank at all costs, or it will cost you. Better yet, avoid banks altogether by joining a credit union and, pay cash or money order for everything you can. Yes I made a mistake by allowing my account to get low, but in doing so my eyes were opened to just what US Bank is capable of given half a chance. I watched my account like a hawk to try to ensure I would not be charged an overdraft, yet they nailed me for 3. Thanks US Bank, I feel like I should file rape charges against you. All banks are crooks, right, but US Bank is one of THE CROOKEDEST. You have been warned. Close your accounts and go to your local credit union asap.
PORTLAND, OREGON -- BE AWARE OF US BANK FEE SCHEME. According to an article published in USA Today banks make at least 93% from fees (with free checking the fees, the fees most likely are overdraft fees). I have read some Consumer Reports about how US Bank statements did not match what really happened to the account. I had plenty of instances where my daily balance was positive and I still incurred overdraft charges. I even talked to an in-branch assistant manager who could not understand why I was charged an overdraft if I had positive balance.
And here it is why: when charges on the debit cards are made regardless that they are hold (funds become not available) the bank does not post them and wait for the moment when they should post them. They watch like hyenas and charge overdraft fees because even though the money are in the bank they are not available and if they are not available (which is at the discretion of the bank) therefore, your account is paid an overdraft fee.
Looking at your statement you will not know what happened (they cover their kill very methodically) so going and asking a teller makes you more confusing until you decide to sit down and get to the bottom of their policy. And then it starts to stink and you are sick to your stomach. Contacting customer service will not get you anywhere because this is something that is incorporated in their software. So, the only thing left is to separate myself from this institution that is so dishonest and have a rip-off attitude.
There are so many other smaller banks that thrive in serving their customers and their fee is straightforward and the transactions recorded in real time not manipulated time. So, for you out there protect your cash and DO NOT BANK WITH US BANK!
Apparently US Bank has instituted a crafty way to prevent their own collapse: Playing with deposits in a way that allows them to assess astronomical overdraft charges. Several months ago I had an unauthorized charge placed against my debit card/checking account. It overdrew me, just barely, but the fees associated with it amounted to nearly $100. It took several days to gain a provisional credit, but I finally did (no thanks to a rather unpleasant bank branch manager, and SEVERAL reps who incorrectly informed me of the process to used to gain those credits).
Two days ago I logged in to my user account there, as I do everyday (I am unemployed and living close to the edge; after that fraud episode I'm paranoid). My balance was positive, albeit low, the day before. Suddenly my balance was -$67.50.
I went to my post office box to look for overdraft notice. There it was! Only their "accounting" was specious -- they had an interesting arrangement of charges and credits which allowed them to zap me one single $37.50 overdraft charge, which NEVER SHOWED UP ON MY ONLINE ACCOUNT LEDGER. That charge allegedly was processed four days earlier, so by the time I noticed the negative balance, I had ALREADY BEEN CHARGED AN ADDITIONAL $32 FOR 8 DAYS OF "CONTINUING NEGATIVE BALANCE FEE."
I called customer service and said there was just no way I could have become negative in my balance, even a little bit. The clerk pulled up the same accounting ledger info they sent in my overdraft notice, and it became clear to me that: 1. She doesn't understand the way the bank orders charges in a manner that makes the customer always wrong, and 2. She doesn't understand that their online accounting system is inaccurate, so I never saw a negative balance in the four days since she claims I first incurred one.
I don't know about you, but I call this shoddy business practices, and I intend to pursue some sort of a complaint through my State Attorney General's consumer protection division. I'm thoroughly disgusted with US Bank, but do not want to change just yet because I've maintained this account in good standing for three years, and often that's an important indicator when applying for credit.
While broiling some pork loin skewers tonight for dinner on an unusually warm evening here in the upper Midwest - great wine, cool jazz in the air - I got a text message on my mobile. A nice little vibration and jingle near my business center this time of night made me smile thinking it was a female friend of mine checking in to say hi.
I continued rocking on the barbecue and wine waiting not wanting to torch dinner figuring I'd check in with the cell a few minutes later. Finally getting to it, I read the tiny text telling me that my US Bank credit card was in cardiac arrest - suspicious activity abounds and I'm to call some B.S. 800 number. The sender was "Security@USbank.com."
For starters, US Bank is the bank behind my card - so seeing a message from what at first appeared to be a legit dotcom made me take pause. Then, as a savvy consumer, I disregarded the number texted to me requesting a call-back - I called the number on the back of my card and spoke to a CSR. They quickly informed me the text was a scam and not to respond to it - which I didn't. They checked my card activity and confirmed I was OK.
Relieved I thanked the rep - she asked if I was interested in upping my credit limit. I responded "thank you, no - but would you be interested in lowering my interest rate?" I never hesitate to ask, as if you make timely payments, often they will lower it. "At this time, you're at the lowest we allow" she replied.
I hung up, finished grilling perfect kabobs, had some great wine and will sleep easier tonight knowing I haven't been scammed by some creep who inadvertently got my mobile number. The lesson to take from this gentle readers is to NEVER respond to TEXT messages from finance/credit companies on your mobile phone. Don't call their numbers or go to their sites. If you have questions, call the number on the back of the card only! Be your own hero - use common sense and don't let somebody take advantage of you. Slim, just stay off my reviews and informatives - I don't have time or inclination to explain basic logic to you.
DO NOT LEASE FROM U.S. Bank under any circumstances. If your dealer uses them, ask him to provide another lender. US Bank has a nifty little trick that they apply to virtually all leasees when they turn in their car. They perform an inspection and then bill you for "excess wear and tear". The Internet is full of stories about this practice. They will bill you for hundreds, even thousands of dollars for ridiculous items. You have to take dozens of digital pictures of every angle of your car to dispute them, and then they will claim the picture is not clear enough or they needed a more detailed close up.
I turned in a car I had leased for 4 years with less than 30,000 miles, 4 brand new tires, that had been garaged every night, little highway driving and was virtually spotless inside and out. They still found $875 worth of "excess wear and tear" which included $60 to remove a decal from my rear bumper, and $275 to "repaint" each front plastic bumper that had very tiny scratches from bugs and road debris. They basically just punish you for not buying the car outright.
I have leased 5 other cars and never paid a penny. I spent 90 days fighting them and only when I threatened to turn the report over to the Attorney General of both my state and theirs, and notify Senator Dodd's office, did they agree to work with me. They admitted no wrongdoing in their estimate, but in the interest of "customer service" agreed to settle for half the charges. I took it to be done with them, even though I knew it was still wrong. They are a horrible greedy company. DO NOT LEASE FROM THEM.
COLUMBUS, OHIO -- I had a house fire in January. The insurance company made the check payable to me and US Bank. They required me to jump through hoops and took the $66,000 to hold. Before they would release the first draft payment to the contractor they required several documents. I took all the required paperwork and the check to a US Bank in Columbus. This branch over-nighted the check to the office in Kentucky that handles insurance claims. Three weeks after providing them all required paperwork for the first draft, NO MONEY was sent to the contractor to order materials. It took five days of complaining to get the first draft mailed to the contractor.
Now I know their games. So for Draft #2, I faxed the required paperwork and requested the required "visual inspection" before they would release the second draft for the contract. Guess what? No response. Two days later I sent the required paperwork and request again, still no response.
These people are holding thousands of dollars of MY MONEY to repair MY HOUSE. Every day they hold MY MONEY is another day I cannot live in MY HOUSE. In 7 1/2 years I have NEVER been late paying my house payment. I am a good customer being treated as if I did not exist. All the while, they hold thousands of dollars that is not theirs.
DEALING WITH US BANK IS THE WORST EXPERIENCE I HAVE EVER HAD WITH ANY INSTITUTION, FINANCIAL OR OTHERWISE. Once my home is repaired I will be refinancing my home loan. I will never have another thing to do with US Bank.
So, I have a credit card from US Bank, and I log in to make a minimum payment and see that my credit card balance is paid in full and my savings account balance is in negative. Still, trusting US bank customer service will help in correcting this system error that I had no clue of, customer service representatives were rude, sarcastic, and too cocky. I was shocked to be treated in such a way.
I insisted to speak with their manager but wasn't transferred after 30 min of holding. Some guy named "Kent" came on line, I took his employee ID: **. He said he is the manager there. I explained him everything. He was in hurry to get rid of my call and said he will take the necessary actions and will post on my account that this web error was not from my side to get overdraft charges refunded.
Now after spending so much time on the call I go to my bank and the manager at the savings bank says that there are no remarks about anything on the account. This process was repeated twice and all I have got is being pushed from one department to another. Don't trust US bank at all. They do not care about you. All they mean is money... They have no respect for their customers.
I do want to know about and want in on any class action lawsuit against the banking industry. I used my debit card on a Friday evening to pay my cable/internet bill. I made an error in math and quickly went to the bank as soon as they open on Monday A.M. to cover the minor negative balance of $17.00. They still charged me the $37.50 in fees later that day. I am now broke and the cable bill of which they held funds for had not gone through yet as well as 2 other charges. 1 for $14.00 and 1 for $1.50.
So now because they pulled the $37.50 charge money from the held funds for my cable bill for their bank charge, they have now caused a domino effect and I will be responsible for over $100.00 in charges. I will not be able to now pay my rent on time and I am solely responsible for keeping a roof over 6 people heads.
When you deal with U. S. Bank they do not assist in reversing any fees ever over the phone. They force you to go to your individual branch to talk to the manager, which in my case is highly embarrassing as I work for a reputable company in a small town that deals with US Bank exclusively and are not very forgiving on bank charges at all. Read on. I have another complaint about another bank. I will have to eat these charges, but I still think that $37.50 for a $1.50 charge is unforgivable. Especially when you are living paycheck to paycheck in these economic times.