Quite recently I was hit with 3 overdraft charges. I was a bit perplexed as to why my checking account had gotten these charges.
So I go online and I look for a negative balance on there. I see one negative balance of -7.18, so I say okay, I deserve one of those, but THREE? I call up US Bank, tell them what the deal is, and they tell me to look at my statement and they start listing off these balances that don't make sense. The rep asks me, "do you see where you had -86 dollars?" I say "no, I don't" and her answer?"Oh you don't? Well please hold for online banking they can further assist you".
About 15 minutes later, I'm talking to the online banking person, and they break it down to me, I'm supposed to click on my balance on the online bill pay screen to see my REAL balance at the time. I asked the guy, why don't you guys just show people what they have at the time instead of doing this? His answer, "I don't know why they do that sir, this is the way the company designed the system". Him being a mere pawn in this game, I controlled my temper and didn't go off on him. He apologized and I hung up the phone.
So now I'm faced with a problem of having a FAKE balance, and a REAL balance. Basically I can see the money I SHOULD have, but then I click on it to see how much was held. I'm sorry I can understand rules, but when I take the money I deposited that day, and I don't get all of it? That doesn't make any damn sense to me. Security, I can understand that, but once the money is verified, how bout backdating the money so its posted on the correct date?
I read through the other entries on here, and I'm going to close this checking account. I thought about fighting up to management, but what's the point? I know I'm not going to get the money back ($104 that was going to christmas presents). But its whatever, I hope that everyone just takes the time to read my entry and everyone elses about this terrible corporation. Oh yeah, one more thing, I wrote a big ol' email complaint to them, what do I get? A nice section of their manual pasted into an email on overdraft charges, and their solution for me? Get overdraft protection.
Yeah that'll happen.
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