I had forgotten about this one and I'm honestly curious as to what the US Bank defendants will say to it. Both my wife and I had accounts with US Bank and she caused her's to go into the negative (her fault). Since we consider each other both responsible for ourselves financially, I was under no obligation to bail her out (unlike the banks, apparently). She went to the bank to have her account closed since she had already accrued hundreds of dollars in daily overdraft fees and the branch actually did so (surprisingly).
Anyway, I was checking my online balance one day and I noticed an extra checking account tied to my account that I didn't authorize. Suspecting identity theft, I went to the bank and asked about it. The teller proceeded to tell me that the account was opened at the bank's discretion since my wife's account was in the negative. After some prodding, I got her to admit to my suspicions: that the bank was creating an extra account so that they could legally take the money out of my account to pay off my wife's negative balance.
Luckily I discovered this just a day after the account was created (again, without my permission) and I went to my local branch to close it. A few days later I discovered my account was $500 poorer. Why? Because the teller had neglected to close my account and US Bank had taken money out of my account in order to pay off my wife's debt.US Bank defendants: defend this one.
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