US Bank knows who to cheat, and charge these fees to. I'm guessing they do it to the people who make extreme amount of purchases in a daily basis? I know I've been cheated because I check my account (online) at least 5 times a day and I call their 1-800,24 hour member service number to even confirm my funds, and transactions.
Now I'm not well off but I'm able to vacation when time permits me to. So I'm not putting this complaint on here because this has just happened to me for the first time. I didn't really think much of it before because what's $30 dollars? Well, that could pay for a manicure, and $30 x's 10 can buy me a pair of Chanel sunglasses that are on sale. But why give that to a multi million or billion company more money, when I can use it on myself?
Anyway recently this has came to my attention, because I've noticed something wierd with my account activities. Like they will hold the funds that you deposited for several days longer then they are suppose to and process your transactions faster then they normally do. So they can charge you their "over draft" fees. I seen them make transaction disappear when I have more then funds available and they reappear when they know you don't have funds to cover your transactions.
Straight to the point. They will switch your transactions around. Like if you made a purchase a week or so ago. They would make make itgo through today if they knew you didn't have the funds available to you. I know I might have lost some of you. But I make at least 20 purchases a day and most (not all) of my purchases are online purchases and sometimes online purchases are not promised to you cause items could be "out of stock" and that would cause cancellation to your order and recently US Bank will still charge for these canceled purchases so they can charge you their "fees" even when you call telling them that the transaction should be canceled and their rep tells and confirms to you that they will remove that transaction immediately. Then a few days later it shows up on your account again with their "over draft" fee!
But the moral to this is US Bank knows what they are doing. I just wished everytime I check my account, that I printed out all the wierd activities that were showing on there. They can suspend your account without notifying you because of so called "suspicious activity" when you have more then enough funds in your account. But when you make the same activities and have just enough funds available and they know its close to bill paying dates, they wont suspend your account! For those of you that feel helpless my advice to you Lieff Cabraser Heimann and Bernstein. Good Luck and switch Banks Fast!
0 comments