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!
HARTFORD, WISCONSIN -- I asked about my 3 year old's money that disappeared. The money, thank GOD, was back. The teller didn't know exactly why the balance printed on the back of the receipt was off. She said to check the next day to see if it corrects itself should this happen again & that money sometimes has to get transferred from other banks. Still weird though.
HARTFORD, WISCONSIN -- I have receipts, bank statements and a log of this account. There's 6 transactions on it and money has already disappeared. Money for Birthday, Christmas and from family is gone. I will be talking to someone there with proof, for an explanation and will withdraw the rest for a better bank.
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.
PORT ANGELES, WASHINGTON -- Due to an error caused by a company we are no longer dealing with money was withdrawn from our account and unknown to us it caused an overdraft and they refuse to stop charging the seven dollars a day, they never contacted us to tell us they just allowed the charges to accrue, my husband has been out of work since October and we were no longer using that account due to their practices and had tried to close it and were told we had to wait a week.
This is not the first time they have done this to us and we were trying to work out a reasonable solution and the bank manager Lisa was extremely rude and felt it was our fault, so we contacted the district manager at another branch and she never returned our call.... so we decided to cut our losses and pay the $125.00 lisa had quoted, we drove to the Lincoln street branch in Port Angeles WA and Lisa refused to take the $125.00 saying peggy told her we have to pay $196.00 to clear it all up, this is now going to take most of my husband's cheque and we will no longer be able to afford to pay our heating bill or buy food.
Peggy claims to be a big hearted woman on the boards of charitable associations and yet she is really a publicity seeking fraud, obviously there is nothing in it for her to help us so rather than admit they were partly to blame they want to lay it all off on us, and all we have tried to do is keep our family clothed and fed and a roof over our heads, we are trying to adopt our young grandchildren, we work with our church to help the homeless and due to people like Peggy and Lisa we could very well be homeless ourselves.
I warn anyone thinking of using US Bank to RUN not walk to the nearest credit union. Banks claim to be there for you but in reality they are just finding new ways to screw you out of your hard earned money. They got the money returned to them that was taken out in error so they are out nothing and yet they are still charging us money daily and even told us no matter what they will keep doing it until we pay. I now see why this country is in such rough shape... Banks are screwing the little man right into an early grave. I hope that by my writing this that I can stop at least one family from going through what we are.
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.