U.S. Bancorp - Page 2

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Cold Hearted Bankers at UsBank
Posted by on
PORT ANGELES, WASHINGTON -- Due to an error caused by a company we are no longer dealing with money was withdrawn from our account and unknown to us it caused an overdraft and they refuse to stop charging the seven dollars a day, they never contacted us to tell us they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 husbands 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 USbank 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.
     
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US Bank tellers make up their own rules as they go along
Posted by on
New in town, I went to a branch of US Bank to deposit my fiance's check into his account. He worked out of state and the checks come in the mail. So obviously he couldn't sign it. I had done this for him many times since he had been away. His paycheck is direct deposit, but the checks he gets for mileage, per diem, etc, the company mailed those. This was one of those checks.

The teller first started to take care of the deposit, then suddenly stopped, held it up, and started waving it around! She was telling me about how due to the patriot act she can't deposit it without a signature. I had never heard of this. I asked when this started, she said "Today, just a few minutes ago!" HA! I replied is asking if I was the first one. She said yes. It got worse from there. She was loud and they man behind me was peering over my shoulder to see what was happening as she expressed he 'concern' over the fact that this check could be fake. The whole bank was looking on. I was bright red in the face and my tongue was on the floor from my biting it so hard.

The amount in the account opened many years earlier stood at a balance 10 times more than the check I wished to deposit. He also had a savings account, and a business account, and a credit card. All in good standing.
Anyway...She DID deposit it. So uhhhhh....why would she do that if it was so called illegal as she put it.

I wrote to US Bank asking if there were any "rules, laws, regulations, standards or practices which prohibit a check being depositied without an endorsement?" They told me that although there are none, "US Bank has the right to refuse a deposit for any or no reason." For "NO REASON" at all they can refuse our money to go into the bank? WOW! That is scary. They said he should put a note in the account that I can deposit his checks. Why, if there is no law against it!?
What makes this scene worse is that a couple months earlier, another US Bank teller in the town we lived in before the move had questioned cashing a check from my finace because my name and his signatures were in different handwriting.
Well, yeh, I wrote my name it. If I was a CROOK, do you really think I would stand in front of the teller and write my name on a blank check?! She called my fiance on the phone, and then was having his signature card faxed over. So if you call him and he says no problem, why would you also need to fax his signature over? Not to mention that I went in at least once a week to deposit checks for him while he was out of town. (I guess this teller hadn't heard of the "Patriot Law' that prohibits THAT!) I was at the far end merchant counter and she was at the other end, I could hear he and so could everyone else, talking about her suspicions etc. She talked to the account holder, what else did she want!? The whole place watched me as I walked out. She did not cash the check.

I am just a regular person, I dress neat, I'm clean, polite. I was in customer service myself for 30 years. I smile at people. I guess I either have a sign on my forehead that says 'abuse me' or I have a knack for finding these little people with big power.

I later called the manager and we had a nice talk. He told me that whenever I had business at the bank, come right to his desk. So I did. We had some nice talks where I told him that she might need some training to learn tact and diplomacy. And not to talk so loud. He agreed.

Anyway, as for the other branch in our new town, I waited patiently for the day when my fiance was working back in town and we went to US Bank together to close the accounts. I told the woman why, and about the experience. Guess what! She was there that day and overheard the whole thing. She had a talk with the teller right after I had gone because the teller was wrong to tell me all that. She SHOULD HAVE walked right up while I was at the counter.

She tried to talk us out of closing the accounts, but our mind was made up.
So we opened an account at a local credit union. Anyway...I stay away from the bank.
     
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rhondam718732 on 2007-04-03:
Signing someone else's check for ANY reason shouldn't be done. Period.
poppapia on 2007-04-03:
A bank can refuse a deposit for any reason. However, simply have your fiance' endorse the check, and add "For Deposit Only" under is endorsement, and there shouldn't be any problems, as long as it is being deposited into an account with his name on it.
Anonymous on 2007-04-03:
I am not sure anymore but in the past tellers had endorsement stamps. They would just stamp the check for you. If this happens again just ask the teller to stamp it with their endorsement stamp. Be happy it was not B of A, they would have figured out a way to charge you a fee for using the tellers valuable time. Even though they make little more than a counter clerk at McDonalds.
chow on 2008-02-07:
All these rules used by the bank teller can be really confusing,they can say one thing , then do otherwise, sometimes even the manager can come out with a different reason for doing what can be done or not,seem to me bank customer have not much of a leverage at all.
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Unjust Overdraft Fees, Inaccurate Online Banking System
Posted by on
MINNEAPOLIS, MINNESOTA -- I am going to paste below what I submitted to the BBB and the FDIC.


I have had previous thoughts that the online banking system US Bank maintains is often times inaccurate. On several occasions, I have noticed very strange transactions appearing, and then once again disappearing on my account. On the date of January 16, 2006, I checked my US Bank Checking Account via their online banking system at www.usbank.com. I had several purchases awaiting authorization, and my "Available Balance" was a far positive number (I do not have the exact amount, as I felt no reason to record this information). I checked my account balance via the online system again today, January 18th, 2006. All of a sudden, my account balance was negative $118.66. I had been charged two overdraft fees of $34.00 a piece from transactions that apparently went through negatively on January 13th, 2006. These transactions were not authorized as of January 16th, 2005, so this all appears very interesting to me. I then received three more overdraft fees at $34.00 a piece on January 18th, 2006, as a result of the two overdrafts they posted to my account on the 17th. I tried contacting US Bank via their local customer service number (612-872-8657) at 4:58pm today, January 19th, 2006. I talked with Jerome, who assisted me on the phone for quite a while, but informed me that there was nothing he could do. He told me that their system showed that the transactions that went through on the 13th were fully authorized and went through on the 13th. He informed me that may be the online banking system was having problems, but did not look into this matter. I then asked to speak with his supervisor, Chris Fleharty, who informed me that he would not do anything to remove the charges from my account. This call lasted a total of 29 minutes and 52 seconds. I am going to receive another two overdraft fees for transactions that will be authorized shortly, as a result of the recent five overdraft fees.

I would like all the overdraft fees associated with this error to be fully refunded to my account as soon as possible. Currently, I have a total of $170.00 in overdraft fees associated with this error. Soon, I will be assed another $68.00 in overdrafts, a result of this error. That would make the total of overdrafts $238. I would also like any negative balance fee's that may be added to my account from this error to be fully refunded.
     
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tander on 2006-01-18:
I would never balance your check book according to the online statements, subtract and keep it balanced in your checkbook registry.I don't think the online banking is always correct and the only way to fight them is to print out statements every day to prove them wrong, but who does that?
DebtorBasher on 2006-01-19:
I've always kept my tracking in my own check book. But what a bother..last month I decided to skip the checkbook crediting and debting,It's easier to just check it online when I need to. Well...what a big mistake...I've learned my lesson by the price of and overdraft. It isn't really clear what your mistake or the bank's mistake was, but it may the the same error I made. Here's what I did...Almost all of my bills are either paid online or over the phone (those who doesn't charge for it), so, I just go online check my balance...but when it came to paying my car insurance, I did it the old fashioned way and wrote a check and snail mailed it..well, guess what? Without thinking, I'm going by my online balance not even thinking about the check I mailed out, until after I've withdrawn cash to the point that when the car insurance company got my check and cashed it...boom! Overdraft...Lesson learned, I'm back to doing my on balancing in my check book. On line statements have no way on knowing what you mail out until it is cashed...could that have been what happened with yours?
miketech on 2006-01-19:
I dunno if this helps but at my bank if you have $100 in you account and deposit $300 after 2pm on Friday then write a check for $120 to pay for something and they get it to the bank on Monday I would bounce a check or more because my Friday depoist won't clear till Tuesday or Wednesday.I never write a check anymore on money that has not cleared my account. Of course what Debtor did is my worst fear.
DebtorBasher on 2006-01-19:
I don't write or mail out any checks until I know the money is in the bank, but it was just stupidity on my part to not even think about the paper check I mailed out, and only went by the balance showing with my online payment...ouch!
miketech on 2006-01-19:
Debtorbasher from reading maybe 200 or more of your posts I can tell you are a financially conscious person. I mainly use my check card but there are times where if I forgot something I'd be fried.
DebtorBasher on 2006-01-19:
Yup...I know exactly what you mean, Mike...I always use my check card too...but, got fried on the ONE paper check I sent...oh well, live and learn, right?
tander on 2006-01-19:
I'm really bad at balancing my checkbook, I write amounts in, with no check numbers, I use my check card and don't write it down, I'm continually depositing money as to not be overdrawn.
DebtorBasher on 2006-01-20:
The money you saved on your dog bed...LOL
Ms.Consumer on 2006-01-20:
US bank sucks. That said, I agree with the posts above. Long time ago I setup automated withdrawals and totally forgot about them. Thinking I had plenty of money in the account, I wrote some checks. WHAM BAM! The bank makes a tidy profit. Banks love those overdraft fees. Actually overdrafts have become the poor person's loan program. Banks gladly let people overdraft and collect the fees.
edgetho1 on 2006-02-10:
I have been dealing with US Bank on this since they changed their terms a couple years back to charge overdraft fees on Check Card authorizations.

The trick they pull is they have an authorization come through for $50 and lets say you have $70 in your accout. Then a check clears that night for $50 and according to them overdraws your account by $30 because they count the authorization as a live item so they charge you $34 for an overdraft and they pay the check. You still have a balance of $20 but they count your available balance as -$30 because of the authorization. Then the kicker. When the charge posts to your account a couple days later from the Check Card authorization they remove the authorization and treat it as a new item and charge you another $34 overdraft for an item they already treated as live when the authorzation posted. To me that is double dipping and I have reported it to several agencies that have done nothing to help.

The problem is that the people that you talk to on the phone or by letter are operations people. Even at the SVP level they have no friggin idea how the system works so you can't explain it to them.

I speant 15 years in banking systems and implemented a real time authorization system for check cards for a bank and we didn't charge overdrafts on check card authorizations because of the confusion.

US Bank is greedy. They want every last penny from customers and these bogus overdraft fees are an easy way to do it and because it is so confusing, customers can't do anything about it.

I have a small business and pay thousands of dollars in these bogus overdraft charges because we are heavy users of the check card.

Good luck with your quest.
arghh on 2007-01-05:
SillyP on 2007-06-21:
US Bank has gotten very RICH off of me! I remember I had made an overdraft of 32 cents which right afterwards, racked up a few of the overdraft charges. When I asked them to 'work with me" and take some off (It's not like I had a habit of overdrawing my account) the guy from the branch literally told me "I'm sorry, we can't refund your charges. We have a business to run here." Um...Great Customer Service! From that point, I vowed to get all my direct deposit and automatic payment withdrawals switched from US Bank to a new Credit Union, because I can't deal with them anymore. They are vultures!
AFJack on 2007-07-12:
I had US Bank for five years. this will happen continuously, the bank is unfair and I believe their system has been programmed to do things like hold checks until funds aren't available. one time I had purchased gas a while after I made the purchase, the charge disappeared I didn't notice until they overdrafted my account 25 days later. so I called them, they said if the merchant doesn't request their money within so many days the system will remove it from pending charges. so that's that I guess it was my fault for not keeping records then
AFJack on 2007-07-12:
trust me all switch to USAA. they have no atm charges at any atm. free incoming wires, and best of all they will not let you overdraft, if the funds aren't in their,then they won't give you money
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Us Bank Is the Worst When It Come to Modification
Posted by on
Rating: 1/51
JACKSONVILLE, FLORIDA -- I was told that they would stop the sale of my home but oops it was a day too late to stop. Oh my MHz modification payment was late oops we can't take it. You don't have enough of income but ain't that why I need a modification. Please stay a way from this bank .
     
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US bank looters
Posted by on
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:11101261 .. 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..
     
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Alain on 2010-11-21:
I'm hoping by now you've switched to a different bank or are in the process of doing so.
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Review of service charges applied to hard working people checking accounts
Posted by on
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 U S Bank exclusivly 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.
     
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BEJ on 2009-08-18:
It never ceases to amaze the number of people who write bad reviews after their bank charges them for overdrawing their account. The bank had every right to charge you those fees. Is the cable really a necessity for you in the hard economic times--seems to me rent/food/utilities would be a priority. When times are tough--you need to look at what is necessary and what is a "nice to have".
BOAsucks on 2009-08-18:
watch this about BOA, really sad as the consumer/taxpaper:

http://www.youtube.com/watch?v=bCfS6Pj_qh4

Anonymous on 2009-08-18:
BOA, this review is not a complaint about Bank of America... why are you posting this here?
PepperElf on 2009-08-18:
bkk - I think it's to push his/her own issues against boa
Anonymous on 2009-08-18:
If he/she's going to spam this over every BoA complaint... at least let it be a BoA complaint and not on everything... yeesh.
skelly39 on 2009-08-18:
I agree that it is sad what a domino effect a simple math error can have, but that's why it's all the more important to be as accurate as you can. The bank has every right to charge these fees. It may not seem fair, but if you don't want them to have your money, don't give it to them. And if you are complaining about another bank for the same thing in a different post, the problem lies with you, not the bank.
PepperElf on 2009-08-18:
ya it gets annoying after a while
MaggieMcT on 2009-08-18:
Living paycheck to paycheck should give you even MORE incentive to be careful not to overdraft.
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Poor Customer Service / Excessive Fees - Refuse To Close Account And Stop Charges
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MILWAUKEE, WISCONSIN -- My mother passed away approximately 1 year ago. I am the executor of her estate. She has been a US Bank customer for over 20 years. In settling the estate, we paid all her final bills and withdrew funds down to $100-$200 or so. I called US Bank a number of times to let them know my mother was diseased and that I wanted to close the account. (...ever try to get someone on the phone at U.S. Bank???) They frequently refused to talk with me even though they had copies of my power of attorney for 10 years. Though the account had virtually no usage, they continued to assess charges against the account until it became negative ($125.00). I finally drove to the branch that she normally dealt with, and handed them a copy of my mother's death certificate and asked to close the account. They refused to close the account because it has a negative balance of ($125.00). They also informed me they would report this to the credit bureaus and affect my personal credit.

They have enriched themselves through excessive fees depleting what was left of a deceased woman's account and now want to continue to collect fees well after they were informed of her death. I think US Bank could find a more ethical method of achieving a profit than scavenging the balances of long time customers after their deaths. The "customer service" people (including the branch manager) recited bank policy policy like a couple of mindless/emotionless robots. They should be ashamed.
     
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Anonymous on 2009-04-25:
You do know that the Power of Attorney ended when your mother died, right? At that point you had no legal standing to close the account. The bright side is that unless you are a joint owner of the account, they can't do anything to your record, so I wouldn't worry about that part.
Anonymous on 2009-04-25:
"Though the account had virtually no usage"
Then who was using the account?
You should have a copy of the probate court document naming you as the executor of her estate. Bring that and the death certificate. Make sure that they are official copies.
spiderman2 on 2009-04-25:
First, my condolences on the loss of your Mother. Never try to do something like that over the phone. You needed to go to the local branch and speak with someone. show them your proof that you are the Executor of the Estate and a Death Certificate. They would then be able to tell you how to go about closing the account. Anyone can make a phone call claiming they are an executor and to close an account.
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Snail Mail
Posted by on
US Bank chooses to notify its members by mail instead of email or both. I am a college student and at the beginning of last December I accidentally wrote a check for rent from the wrong checking account. After I went home for Christmas, I went abroad to study in Germany. When I returned to College at the end of January I found a pile of letters informing me of my mistake and telling me I owed the bank approximately $650.00. I have since appealed the charge and received about 50% of my money back. Now the mistake has only cost me $130. I had the money available and if I had been emailed, this charge would be around $27 instead of $130. I asked a bank representative why they send letters instead of emails and was told that the Bank does not have the resources to send everyone an email. I assume then that US Bank is under the impression letters are cheaper then emails. In addition to being less environmentally friendly the letter system is unethical and exploitive?

I would really appreciate an answer to this question of why US Bank chooses to be ethically and environmentally irresponsible by notifying it's members of overdraft fews via snail mail instead of via email?
     
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Anonymous on 2009-04-01:
Not everyone has access to a computer.
You can either check you account through the online banking or set up your own email alerts.
You should take a bit more of an active role in managing your account.
yoke on 2009-04-01:
The bank did nothing wrong and you should be happy that they were willing to work with you for your error.
Why did your landlord not e-mail you and let you know your rent check had bounced?
Anonymous on 2009-04-01:
There are legalities involved. Certain documents must be sent by US Mail unless you have submitted very specific requests to have an alternate used. If you never took these steps, why would you expect email?
Outdoorfurniture on 2009-04-01:
I understand that the Bank system makes it's profit on the mistakes of its bank members. My question is should the Bank inform its members of overdraft charges? In my opinion it is unethical and exploitive to not make at least a minimal effort inform bank members of overdraft charges. I get emails from US Bank all the time. New opportunities, or my monthly statement. I made no specific requests to have US Bank fill my inbox in that way. However, I would really appreciate to be told when I am being charged $8 a day.
Anonymous on 2009-04-01:
It was a hard lesson. You wrote a check from the wrong account. It cost you $130. You will not make the same error again. No shame in it. BTW: If you are paying $130 of the original $650 in bank fees, you are paying 20% of the total fees, not 50%. US Bank gave in quite a bit. BoA would have hunted you down and shot your dog. I know you want a safety net. It's okay to want one. Sometimes there are none.
yoke on 2009-04-01:
If you wrote the check in early December you would have known the check bounced well before leaving for Germany or going home for the holidays. Did your landlord not inform you of the bounced check? I find it difficult to believe that a landlord would not try and contact you when the check bounced.
Anonymous on 2009-04-01:
All good answers above, but this is why I choose to bank with two smaller regional banks. Both will still take the time to pick up the phone and call their customers as well as use email and regular mail.
Outdoorfurniture on 2009-04-01:
Do people often post false stories on this site? My rent was $370, so I subtracted that from the $650 and I subtracted the original $19 dollar over draft fee. Which means I was charged roughly $260 in overdraft fees. About the landlord, I do not live with my landlord, nor does my landlord check my mail but that isn't important because my mail goes to my school mailbox. Also I was home for the holidays before the check was even cashed. My original question has still not been addressed, which does a bank have an ethical responsibility to inform its members that they are being charged overdraft fees and if it does, then why does it not email it's members as well as send mail, when email is a cheaper and faster way of contacting people. Additionally I had informed the bank that I was in Germany and spoke to a bank representative over the phone about a security issue and was not told at the time I was being charged overdraft fees.
yoke on 2009-04-01:
Did you not notice that there was $370 extra in the checking account you thought you used?
Whether or not you live with your landlord does not matter. Once the bank returned the check why did the landlord not e-mail you (like you expect the bank to do) and let you know? You would have known much faster had he done that.
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5 Star Guaranty Beware
Posted by on
OGDEN, UTAH -- Beware of U.S. Bank and be prepared to be insulted and demoralized when you question their ridiculous fees. What kind of fees you ask, let me tell ya. In the last few months we have paid in excess of $350.00 as U.S. Bank seemingly has an automated system that is smarter than the average banker. The bottom line is all transactions are a strategic manipulation of your money that is simple yet complex and apparently legal. When questioned the employees justify the ridiculous fees, in excess of $165.00 for a $5.00 ATM overdraft that was permitted even though I don't have overdraft protection, as a courtesy. The only courtesy here is straight to the greedy execs that have the tellers belittle you by making statements such as ...."it's good you know how to read" in response to other complaints on the web. Never ever get a new account there and consider moving your money if you currently have one. I wish we would have.

We are not trapped and slaves to their apparently legal, criminal, unethical misconduct! Shame on them and the puppets who unluckily landed in their clutches. Karma!
     
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woodsk1 on 2009-02-20:
If they would have declined the card, you would have complained about that. Largest items are always paid first, and that would cause Overdraft charges. This is fully disclosed by the bank, its not a secret...
Anonymous on 2009-02-20:
When you made that ATM transaction, you were alerted (by law) that completing the transaction may cause you to incur fees.

The question is often asked 'who would want a courtesy overdraft if it is going to cost a fee?' The answer (for example) is someone whon has to make a credit card payment and they are short in their checking account. Which is worse, an overdraft fee, or a late charge and resulting rate increase from the credit card company?
The bank has no way of knowing why you want the money, or if you read the disclaimer, or if you even know that you are overdrawing the account. The assumption is that you are making an informed decision, and accepting the overdraft.
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Unfair Banking Practice
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ST. LOUIS, MISSOURI -- On February 7, 2008, I sold a car. On that same day and with the proceeds from the sale, I purchased a cashier's check from my bank, went directly to a lobby teller window a local branch of US Bank and paid off the installment loan. It is now 27 days and counting, and I have still not received a lien release from US Bank. I have called US Bank at least four times during the last 27 days, yet I continue to wait for the lien release.

Also, I learned from US Bank that I have a refund of about $830.00 due to me, which I have yet to receive. Could it be that US Bank treats consumers like this so that they can earn interest on our money while we wait?

The person who purchased my car is also waiting for the lien release so that he can get the car registered and titled with the state.
     
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tnchuck100 on 2008-03-04:
Send US Bank a certified/return receipt requested letter. Advise them if you do not receive the signed off release within 10 calendar days you intend to take legal action.

You really need to do this to protect yourself. As it stands at this moment you have sold a vehicle which you don't have clear title to. This person that bought your car can back out of this deal if you don't produce the title.

Additionally, from a legal standpoint you are still the registered owner. If the person who bought the car causes damage, injury, or death things could get real complicated for you.
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