I have been using online billpay for numorous payments for several years. On April 26th I requested my auto loan payment be processed and US Bank processed it twice. Their online system does not have a page you can view to see pending payments, nor do they e-mail you when an online payment is being processed.
On April 28th, my payday, I went to pay another bill and I had insufficient funds in my account! I ran home, pulled up my checking account online only to see my car payment was debited twice. I called US Bank and was transferred to Erick in their "excellerated dept". After an hour and a half of discussions I was told this was not their fault, I must have asked for two payments. Please note, I did NOT submit two, nor hit the submit button more than one time.
I was advised by Erick that US Bank will send me a certified check for the dupe payment and it would take 1-2 business days for processing. I requested Fed Ex and it was denied.
The following week I called Erick on Tues, Wed. And Thurs. And left a voice message... No callback or email - and NO CHECK! On Friday (7 days since my initial call) I was informed by Erick that US Bank will not issue my check until May 10 unless I can prove the $ has been debited from my account. I faxed 7-8 pages of information.
In the meantime, my checking account is not overdraft over $200 including bounced check fees. I should also mention, that USBank reversed the double payment from my loan's principle on April 28th, yet I have not been reimbursed. So. I am paying interested on my loan for $ paid, plus they are holding my money without reimbursement.
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