Complaint Review: Union Bank

I have two complaints against Union Bank of California.

1st...my dad had a checking account.  Effective Jan 1st, 2012.  Union bank charges $10 per month for paper statements, $8 for online statements.  My dad does not use his account much and didn't have any transactions for Jan. and Feb. 2012.  Union Bank did NOT mail him a single statement until March, 2012, which combined all 3 months (Jan. - Mar. 2012).

So Union Bank charged my dad $10 for each month, as if they were mailing him a paper statement each month.  This is a rip-off.  He paid $10 a month for a mailed statement, whether he had any transactions or not, he's suppose to getting a monthly statement, period!  Needless to say, my dad cancelled his account.

Charging someone for a paper statement and not mailing one is fraud!

2nd and the biggest irritation of all.  For my account, I mailed two checks and didn't get two make a deposit for 2 days. Naturally, one of the checks was received and processed the next day.  So the check was NSF.  Yes, this was my fault and I make no excuses for my deposit tardiness.  Only a couple of days later,  I found out that Union Bank charged $33 a NSF fee.  Really???  $33 dollars for a $74.41 check?

But it gets better.  Because Union Bank's NSF fee is so outrageous, immoral and unethically high, the money that I did deposited to cover the two checks I mailed, was now short to cover the 2nd check for $37.74.  So Union Bank was nice enough to charge me yet an other $33 dollar NSF.  Then an additional $6.00 NSF fee on top of of the already $66 total previously charged NSF fees.  So, I wrote two checks totaling $112.51 and Union Bank charged $72 in NSF fees!  In which, their first insanely high NSF fee, caused the 2nd insanely high NSF fee.

What a complete and utter scam!!!  Especially since I've had a checking account with Union Bank for many, many, years.  I might have had one NSF check, if even that, over all these years.  I hope this bank gets sued or shut down completely, as this is a complete rip-off.  I understand an NSF fee...but $33 per item???  But it gets even better.  According to their NSF notice that I received in the mail, they charge a $30 maximum NSF fee, then $6 per day beginning with the 7th calendar day.

So, how did they get a $33 NSF fee?  According to their own documentation, the max is $30.  So, now they are lying on top of it.  Union Bank didn't charge a $30 NSF fee per item, they charged a $33 NSF fee per item.

I will be cancelling my account on Monday.  I will never use Union Bank again ever!

Beware, Union Bank is a complete rip-off!!!  Not only do they lie and charge you for statements they don't mail.  They charge outrageous fees that doesn't even match their documentation.