Unfair bank overdraft fees
On June 9th.US BANK in Vancouver, WA charged me two $29 overdraft fees ($58 total) for supposed overdrafts of debit card purchases for the paltry sums of $8.72 and $21.01 (as if I was out to cheat them or ruin their balance sheet) I have been a customer for 12 years and in the past they always forgave the charges upon request, but not anymore.
Worse, my check book balance showed plenty of money. However, when the assistant manger checked the account she said that the two checks for $300 that I deposited, in good faith from friends, on June 7th, did not clear in time. (Who's fault is this?)
I am so upset about this that I want to see the law changed to reflect 'actual bank costs' and not 'severe punishment for a crime not committed.'
How the hell am I or any other customer supposed to know how long it takes the bank to cash a simple check? Ask most people and they will say, 'Overnight'. Why not over night? What right then does the bank have to 'punish' any long time customer with such outrages fees?
Thanks for hearing me out.
What else can I do? What rights do we have?
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