US Bank
Overdraft Fees While Balance Looked Positive After Deposit

What happened to us seems about the same as what everyone else reported on here. I only wish I had researched it a long time ago...

We were charged several overdraft fees because the bank holds your money, making it look like you have nothing in your account. For example, we had several charges over a weekend. When I balanced my book, it said we had 380.00 in the account. There were a few weekend charges for bills I paid, totaling 290.00, making my account balance 110.00. Well, we spent 3.79 here and 2.46 there and ate out for 47.87, and they assessed us 93.00 in overdraft fees! We had a balance one day of 386 and got slammed with over 100.00 in overdraft fees.

They make it look like they are charging your account 2 times, but they do not actually do that in the end... They hold the money over here and charge it here 1 time, but it makes your account look negative since it is on hold when they charge you... So they can assess a fee.

I contacted the bank in Denver and they told me they would not take the fees off, saying it was my fault. They further told me perhaps I need to learn how to balance my checkbook. I was actually screamed at, and the associate told me the system was simple and I just did not get it. I have never overdrafted an account in my life (until I came to this bank)!

The next day I had a direct deposit post, and my account was positive 2015.00, and I got another overdraft fee for something on that day even though my account was positive... 1,000 on top of my deposit.

They just rip you off for overdraft fees. I still have my account online... This is hard to explain, so my plan is to make a video of my account online to submit in a lawsuit. Who knows, maybe one day someone will blow this out of the water and it will be bigger than Enron. Someone at this bank is really doing something bad. I hope the feds investigate this bank. They cover their paper trails well... But if they are smart, they will open an account to track.

My hope is that others read this and do not bank with them and get ripped off like I did. I also hope someone files a class action against them. They are doing illegal practices and committing fraud.

Company: US Bank
Country: USA
State: Minnesota
City: Minneapolis
Address: 80 S 8th St, Suite 224
Phone: 8008722657

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