U S Bank Wrongful Overdraft Fees and Degrading treatment by Bank Manager Hartland Wisconsin
I recently for the first time experienced the cruel, degrading and controlling behavior of a U S Bank manager when I was desperately trying to fix my checking account due to a rampage of overdraft fee's that were unneccessary and wrong!!!
I communicated with the bank at the first sign of the problem and was told by the manager that it wasn't the banks problem; maybe I should keep a ledger. WOW - does she know whether I already keep one or not. I then discussed with her that it was the bank that would not extend me the overdraft protection they "required" me to have. She said I wasn't qualified for protection because of my credit score ( which is in the upper 660's and is not terrible ) I shared with her that I was aloud a small Christmas loan at a Credit Union where I bank, she said verbatim " well they must have lower standards."
Suddenly I was a street person begging for a dime. She only became more controlling of the situation and more degrading and said she would close the account immediately after I made yet another deposit. She lied to me and did not close the account which now I had been charged another overdraft fee, even though my account was clearly in the positive!
A teller at another branch tells me a different story saying they can't close an account on the same day of a deposit (which mind you was CASH). I am just an everyday person who has never overdrawn my account in the 3 years I have been with U S BAnk and suddenly I'm fighting for my life to get this account squared away (going as far as jumping in my car in my pajama's to get to the bank as soon as it opens before the overdraft monster attacks my account) and sure enough it is closeable (zero'd out) when I leave the bank and then 3 hours later there is another overdraft fee to make it negative and it can't be closed.
I call the manager and leave a message, I call the other branch and leave a message: NO ONE returns my calls. Next day, I call and get ahold of the teller at the other branch and he says he cannot help but he put in a call to the branch manager and she would call me back but more than likely they won't reverse the fee's.
Today is 5 of the longest days of this sad and rediculous stuation and I had to call the branch manager who then closed the account and took the opportunity to abuse me just one more time. Who do we have to be, how much money do we have to have to be somebody to this higher than thou U S Bank??? Forget it, I am a proud and hard working American and I deserve to be treated with respect and honesty at any bank whether I have $50 or $500,000 ~ I am U. S. citizen and am one person who makes up all of the people in america and I COUNT....
Sondra
Jackson, Wisconsin
U.S.A.
2 Updates & Rebuttals
Kim12
Denver,Colorado,
U.S.A.
No offense to you
#3Consumer Comment
Wed, January 14, 2009
I can understand your frusteration with the bank, blaiming them for unfair practices. The truth is, your credit is not as good as you think it is. A score below 680 will not get you approved for most credit products, so instead of focusing your energy on how US Bank mistreated you, find a solution to build your credit back up. Then you can apply for a credit line for overdraft protection and never have to worry about overdraft fees again.
I Am The Law
Cincinnati,Ohio,
U.S.A.
FACT
#3Consumer Suggestion
Fri, December 12, 2008
FACT: The account owner is responsible for the balance, not the bank.
FACT: You can check your balance over the phone or online 24 hours a day. They also have ATM's you can use for this and they now even offer e-mail and text message alerts when your balance gets low; so don't give me the 'No one told me' bit.
FACT: When you use your check card, the funds come off of the available balance immediately, but don't exit the account until the merchant presents the proof of purchase. Banks, BY LAW, must pay debits from the available balance, not the account balance. (You can't respend money promised to some other party.)
FACT: Banks, BY LAW, must disclose their fee information and their funds availability rules at the time the account is opened. In fact, you sign a document when you open the account stating that you understand and agree to the terms of the account.
FACT: US Bank ALWAYS posts credits before debits.
FACT: You pretty much don't have to pay your bank a dime to them if you remember these simple rules.