I have read a lot about US Bank in the past three months, it's always funny how I end up reading a lot after the fact. I could only hope that by writing this maybe it will help others in this situation. I am novice at being a grown up, I mean I have been a mom for 11 years and I try hard to do all that you think is right or best for your family, but to actually research a bank, well I just wasn't smart enough to do so and have learned some vital lessons from not doing so.
My fianc and I decided that we wanted a bank that was close, convenient, and not so corporate. We looked at a few brochures and decided that since his payroll checks were US bank and it was small and local we would try it out. When we went into the bank the woman was very kind and helped us right away. (Now mind you, we weren't wearing are every day work clothes) Well After 2.5 months we have an issue... We bounce a check, now at this time im not sure how, but I instantly blame the fianc for not telling me a receipt or a check. We weren't using online account at this time, so I blamed him and we took the domino affect of four more things bouncing because of the first thing. (Not sure if it is bank law, but this bank holds all other debits, credits, and checks in a pending mode while they first assess the fees.) Two weeks later it is deja view for us, a check bounces and 15 NSF fees are assessed to our account. The story He deposits his US Bank payroll check at 7:50 am of Friday into the atm and we use our check cash card on Saturday and Sunday Well the use of our card goes through but our check is held until the fallowing Tuesday, unknowing to us we are now negative 815.00 when we deposited 485. And only spent 112.00 on that weekend. We used the card at McDonalds, my son's football game, the gas station, grocery store, and so on, all while each charge was being charged a 30.00 then 35.00 charges. It was a nightmare After being treated as horrible as a human should be treated we left scared, sad, and dismayed at these people who claim to care about their customers. Now... Just so you know, in a month's time we only deposit 1600. And the bank had charged us 1200 at this time. We were literally negative 1,168.00. So, we continue to fight this, until finally the bank agrees to refund our money but only 685.00. Leaving us still paying over 300.00 in fees not including late payments to our bills and two checks they had returned plus the fees we now owe those companies.By this time we are just drained and agree because we are slowly drowning and haven't used a dollar of the 900.00 we have deposited in two weeks A week later a check for 69.00 goes through, the same check that had been set back twice and told to us it wasn't allowed to be resubmitted so we would have to take care of this issue on our own. Not counting that 69.00, I get scared and deposit cash to cover the things I was accounting for. Well all is good until the same 69.00 check goes through. Same check number, same amount, same merchant, and the bank send it through again... I email them right away saying, hey this check went through already, they reply that I need to fill out a complaint and dispute it and it could take sixty days to resolve it. I then call, they say well we will look into this and let you know within ten days, I then threaten a law suit and get a temporary 69.00 deposit while the dispute is in review, ALTHOUGH YOU COULD CLEARLY SEE In this time I was hung up on, talked down too, and treated as if I was poor trash. Now as if I wasn't smart enough to runnnnnnnnnn. It all happens again. The hold our check, then our cash, and send through debits and bounce our checks. I print up all my evidence, take in my receipts and ask politely how come I made a deposit on the 28th and it is held until the 1st but all these debits were made after and sent through She tells me they cant help me they have already reversed the fees on my account once. Even though it was their error and they MUST have seen it though they never apologized, amounted up to it, regretted it, they did take off most of their theft charges This time they won't even speak with us as they look at the account history and see a bunch of errors and take us to be poor people that they can easily take advantage of. I would like to sue them and have sent out a few requests about doing so, not only because I have the evidence in plain writing from their online banking, their tams, and their inside deposit slips, but because it should be against the law to be mistreated that you just feel horrible.
0 comments