US Bank sent my house payment to my Mortgage Company on Dec 31st one day before my scheduled payday. My payments are set up to come out on the first of the month but because they were closed they did it a day early causing my account to be overdrawn.
Next my regular paycheck that would have went into my checking account on December 30th was returned by US Bank because it went into the old account. When I checked my balance and found that I was overdrawn I went into the bank to talk to the Bank Manager. I explained what happened. He said he would work with me.
I stopped into another US Bank to see what could be done about my paycheck and one of the mgr's called the corporate office. They instructed her that my paycheck had already been returned after being put through twice. They also said if I had came in earlier before 12 they possibly could have been snagged and put into the right account.
This SNAFU caused five $33.00 charges which I had no control over. I felt that it was not my fault that they put the mortgage through one day earlier than was scheduled so I demanded a refund for all OD charges.
My bank manager said he would get back to me. He did not. One week later I called him. He stated "the VA is responsible". I spoke to the VA personnel who by then had issued a emergency check and typed a letter explaining that I had no conrol over this matter. I called Mr. Birk back and faxed him a copy of the letter. He said he would get back with the VA before he could make a decision.
He said he could not return any overdraft charges. I then emailed the US Bank and complained which they sent to Mr. Birk. He told them that I had refused to answer his calls. He had called that same day once at 4PM on my cell phone. I didn't get the call until I turned on my cell phone. That was the only time he had called.
I wasn't satisfied so I went to the US Bank on Cherry and they did credit my account for $99.00. I called the 1-800-872-2265 and asked why they did not refund the complete amount. I was told that it was up to my Mortgage Company that would be responsible for the other $66.00 since they were the ones that pulled the money out early.
I called my Mortgage Company and did a three way. When US Bank said that it was their responsibility to reimburse me she explained they had nothing to do with money coming out of my account. The bank sends them the payments. The person said let me go check. They then came back and said that because they had refunded $99.00 of the overdrafts they would not refund the other $66.00. I think US Bank has forgotten who pays their salaries. (cusotmers).
I will be closing my account with US Bank. I will tell all my veteran friends, co-workers etch the treatment I have received. I do not think US Bank is customer oriented. I also think the Branch Manager needs more training and a class on how to deal with all types of people.
Sharon
Meridian, Idaho
U.S.A.
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