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.
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.
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.
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 like a couple of mindless/emotionless robots. They should be ashamed.
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 its members of overdraft dues via snail mail instead of via email?