My husband and I have our own personal checking accounts with US Bank. We also had a joint account that we would put money into that was used for household bills, rent, utilities, ect. A few months ago my husband made a mathematical error in the balancing of the house account. To make a long story short, after all the fees were added, it was over $600. He tried to explain the problem and got now where. They wanted their fees. We both work for a living and are by no means well off. We live pay check to pay check. The account was closed by the bank. Two days ago, my pay check was direct deposited into my personal account. Believing that I had money to take care of some bills I proceeded to use the funds. On the same day, US Bank took $290 out of my account without my knowledge. They took the funds the same day that bills started to come out of the account.
After they took 'their share', and after the overdraft fees and returned check charges, MY account is now over drawn $345. I called customer service. I called the bank manager. I called the district manager. I got the same response each time.'Too bad, make your husband give you the money back.' How can this bank CAUSE over drafts and then penalize me for it? If they would have left my account alone, there would be no overdrafts. I did send an email to my local congressman that handles financial reform. I have no idea how far this will get me but it is worth a shot.
I even offered to make payment arrangements to help pay back the closed and overdrafted account. I was told no. These bankers are the con artists and thieves of America that will cause our financial ruin. If anyone thinks that their friendly neighborhood banker is on their side, they are terribly mistaken. The banks are out to make money. They want to make money off of our money and if they aren't then they will find anyway they can to take it.
I have to wait 2 weeks for my next pay check. I'm sure by then, my entire check will be gone to the bogus fees. I have learned my lesson. When this is brought current, I will take my paychecks to Wal-mart and put them on a money card. I would much rather pay $3 per pay period to get my money than to have to pay $500 that they are going to bill me for fees that are unreasonable and unfair.
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