US Bank has ripped me off way too many times now. I have always given in to their "its policy and you were informed" rhetoric, but this time I will not. They seem to hit me with overdraft fees at their convenience. Why do they approve some charges and reject others? Why do they hold onto charges longer than others? What really pisses me off is that most of these fees and charges I get charged are because of wrong information from US Bank representatives.
When I am told one thing, the next rep tells me maybe the system wasn't updated, maybe I misunderstood... They even gave me the excuse of "we don't see documentation that you called". There was an incident not too long ago in which US Bank "HAD" to reverse almost $300 in overdraft fees to me. Since then, every customer service rep that pulls up my account never forgets to remind me that "we have given you more than enough courtesy reversals". First of all, US Bank doesn't know what courtesy means. Secondly, they were bank errors and merchant errors, so every penny of those reversals were justified. It is all a game and I am happy to say that I have found a small local bank in my area that will be getting my business.
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