US Bank Lakeway Costcutter Office Bellingham Washington
Overdraft Fees From Phone Balance Mismatch and Reordered Payments

US Bank consumes my money, mind, soul the devastating results of payment order and posting dates leaves single mom of infant unable to afford food and rent. Insult to injury accurate account status impossible, they decide how and when items get paid then blaming me for bad accounting

I opened my account in august since than have in october I started getting overdraft fees I asked how this could happen when I call the phone service for account info and thoroughly review available balance. I was informed that they update at midnight and what was happening that day wouldn't be available until the next day. I was furious I asked why my account made money available to me when it knows its over drawn. I was told I'm supposed to keep track of my registry I wanted to know the point of having phone bank info if it was inaccurate they told me to use online banking. I don't own a computer. Too bad for me.

So I didn't make anymore purchases since I was now out 60bucks. When I went to make a deposit to my surprise I was charged 2 more fines for a total of 110 dollars I asked the teller what happened she stated that several of my transactions had not been completed at the time the first 33 dollar charged was assed and that sent things into the spiral of doom.

I told her that the phone said the items were reflected in my available balance she told me that if an item post and isn't asked to be paid then they make the funds available again until it is posted to be paid. I told her that isn't nice and she told me too bad use the online system and keep better records I struggled through that month since I'm on a fixed income tward the end of the month cautiously aware of the long post times and update phenomen waited until I was sure my account was stable.

With 5 dollars in my account I purchased 2.09 dollars in cat food and apparently it was run as credit since the debit wasnt operating. I paid no attention to the account since I had no money. 9 days later my disability check was to be deposited and I wrote a check to buy formula knowing that it was possible that it would post before my deposit but desperate being 100$ short in my budget.

On the day my deposit happened I checked my balance and found that indeed that had happened. I than than usd my available balance paid my rent and got gas and bought food and supplies somewhere around 6 transactions using the credit part in hopes of receiving perks. Wow was I surprised to see more overdraft notices sent to me several weeks later this time I was informed that it could take up to 10 days for credit purchases to clear and that my 2.09 cat food was paid the morning of the deposit that doesn't update till midnight I freaked that was over 15 days ago well they have ten days to pay it once the thing is asked to be paid which on credit is up to 5 days thats 15 days that I thought my account was reflecting an accurate account balance when in the usbanks private world it was just sitting and vibrating waiting until my account reached a point when it could cause an overdraft.

They were ready to pay the purchases made on the day of deposits of funds and since the option of when to pay things is in their control the paid that 2.09$ catfood purchase assessed a fee than lowering my funds and than proceeded to pay the largest check, my rent which than overdrafted because of the other fee I was charged subsequently causing all the smaller charges to be assed a fee.

I was told this was a courtesy to me to pay the bigger ones first. I told them they were thieves and were holding funds until forcing an overdraft and that if the cat food I bought is what started it they shouldn't have done that I told them my balance reflected it was paid a week ago.

No she says. I hope you aren't using the phone teller... Its not accurate. Than explained how long it can take for a credit purchase to post and be paid. I told her I bought the cat food at that register not even 100 feet from this teller.

She said that didn't matter. I deposited all the money I could find so that nothing else would be courtsley paid FOR me since I now had a 240$ error in their favor. 2 days before thanksgiving I couldn't buy the stuff for dinner. I cried alot my daughters behavior got worse as I spiraled into anxiety.

How am I going to pay rent? I didn't pay rent for october and spent no money the untillthe day before my disability deposit I bought food and diapers desperately I used my credit option knowing I had at least 3 days lea way it being credit and all. I had made three 12-to-15 dollar purchases and then checked my balance knowing it would be midnight until anything changed to my surprise I had 32dollars in my account I figured this must be true since the card hadn't been used for 3 weeks I went to a atm to get cash so that I couldn't get assed any more charges for withdrawals.

I accidentally hit 40instead of 20 I panicked this was going to cause an overdraft oh no now everything will overdraft. But I thought as the machine was thinking about how much o give me that it will only give me whats available wrong... It gave me the forty... I freaked out grabbed my kid and sat in the car and called the phone service and for a system that only updates at midnight is sure knew that it had happened cause my account was... O V E R D R A F T E D.

I panicked an started borrowing money to pay the items bought on the credit I was told once I had till 5 pm the day of the first business day of the transactions to deposit money for banking to be completed that day. But it was saturday... Monday morning I went in waited for them to open made a deposit bringing my balance to a positive number again.

While waiting for the direct deposit to post the next day my balance reflected the payment and the card purchases and the atm withdrawal and my deposit and the direct deposit I was relieved. And that I was able to borrow the money the day before saving my butt because I believed this to be an accurate balance. I than wrote a check for my october and november rent set up bill pay at the online kiosk budgeted out my month and widthdrew the money to pay back a loan for the overdrafting scam and then bought my household supplies thus only leaving me a few bucks for christmas.

4 days before xmas I was checking my account since I was waiting for a deposit from the us treasury for a reversal in Medicaid payments it was 0nly 66 bucks but it was christmas dinner and a few presents for us. Everything in my account was good and the money deposited. I bought gas and diapers and went home. The next day checking my account I was 110 dollars overdrewn I called the bank they seemed to understand told me to talk to my branch manager he was away for the holiday. Soooo I borrowed more money paid the overdrafting bringing my balance positive and cried alot.

2 days before christmas another 60 dollars came along and the reasoning this time was... No its not credit, you should have taken the money to the bank because the atm gave u a courtesy thinking you needed the money remember were open till 6 on sundays. Consequently when I got that money my newly created negative balance caused all the credit purchases to be posted and paid on a sunday and before the update of the phone teller and therefore the charges weren't applied yet that was until my account was negative and again due to the fact they paid my bills in the largest to smallest order.

(I was told to quit using the phone system.) I said so even though the phone teller said things were ok they weren't? Cause yet another transaction was lurking around in my account. When the balance was changing the bank posted the charges and waited to pay them the moment my account got to a place where it would cause a string of overdrafts and then all was paid. The day before xmas the branch manager told me the bottom line was I spent money I didn't have.

I told him I didn't have it cause of his bank. He said hed close my account if this continued I wished him a merry christmas. And so I once again gave them all my money. Spent nothing. Wrote out my rent check for dec and set up online banking to pay January's rent. For 20 days my account had 760 dollars in it. For some reason my landlord hadn't cashed my rent so I went to the bank teller to check on the absolutefor sure status of funds and the bank manager told me that everything was good I had an available balance of 760 I said no I have about 20 dollars granted no hidden transactions come posting along he assured me their wasnt and once again informed me of my balance. Two checks unpaid.

I figured my landlord probably was holding one of them because I can't live in my home because the housing authority says its unsafe until they declare it safe I am ;living elsewhere I needed money desperately being 600 dollars in the while I had pawned everything of value. I was to see my landlord this wednesday afternoon and was going to reaffirm the not cashing of the check for january since I was using that to live away from my home. And on tuesday had considered spendin 30 dollars on a stoppayment on that check.

But way too broke but desperate. Sunday I had used an atm an got 100dollars than made an online purchase that posted than and paid on Tuesday and than I bought gas. That wednesday morning. Today is saturday I received notices of overdrafts again everything was paid a courtesy to me oh thank u bank. In a typical revers payment pattern the bigget to little posted and somehow the monies that should have been deducted immediately from my account which would have only caused one overdraft charge on the one rent check... Because I learned my credit purchase lesson.

The atm widthrawls had not been deducted and I had 4 overdraft charges of 34 dollars each plus the paying of the checks leaving my balance a negative 362$ at this moment on a saturday early sunday I will be closing my accounts as soon as I finish writing this and notifing ssa of a change to not deposit monies and ironically what little credit I should have earned has been destroyed. They were blackmailing me into keeping my account with them because I probably wont be able to get one anywhere else.

My landlord was wrong to spend that money and when he pays it back and the overdraft fees associated with it than us bank will have their money.

I will probably have to go to court to get the monies from the landlord. In the mean time my home is still not safe and will probley have to move I am now 1000dollars in debt and cannot afford to pay deposits or buy gas or buy food or anything else for that matter my brain is frazzled my feelings hurt my family disturbed and no where to go.

Us bank has left me looking bad and boarding insanity. I detest them and that weasel of a branch manager, who smugly smiles as he knows I don't have the credit rating to even get a account elsewhere. I am totally broke and totally alone and totaly at a loss as to what to do. Please help. I think monday I will make a sign and stand outside the bank god knows I can't afford do anything else else.!!!

Company: US Bank Lakeway Costcutter Office Bellingham Washington
Country: USA
State: Washington
City: Bellingham
Address: 1030 Lakeway Drive
Phone: 3607342885

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