I have fallen victim to US Bank's greedy practice of overdraft fees, which are now $37.50, and $8/daily for negative balances.in the last 2 months, I have had close to $250 taken from my military pension (*EACH month) because of the way they handle business. I can't imagine over the course of the past 7 years how much money they've taken from me. I don't want to know. It's all I can do now to be respectful when I call or visit a branch. They will take overdraft fees FIRST and then pay the item they are charging you an overdraft for. It's because you actually MAKE the purchase on one day, the vendor may not present the item for pay until a few days later, and then, it may not clear until a few days after that! WHAT? I thought that was the point in having checking/debit cards... To make sure you didn't have this kind of trouble! And you are not able to put a stop on this practice by telling them to not pay anything if there's no money in your account. One phone rep told me this was a convenience for my good. (Imagine, she said, that you're out of gas, stranded and have no money. You can make a withdrawal from the atm!)??? What the heck? What kind of advice is that?
I am so sick of this bank and it's practices that it's all I can do to pay my bills. I have bad credit because of a nasty divorce, and am not able to 'bank/credit union' shop. I'm stuck here, at their mercy. There's a special place in hell for people that take advantage of those they can use and justify their actions. I hope US Bank rots there.
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