Complaint Review: US Bank

My account has been charged over 1,000. dollars in service fees alone due to a cash deposit I had made that could not be verified until the next day. Even though I had deposited the money, cuz they could not verify it, I received 9 or so service fees at 33.00 each which ate up my deposit, plus some....

I have asked for help with this issue and all they can tell me is "its not a bank error so we can not reverse the charges." This s****.> The checks that bounced the first time are now on round three and I believe that my account has accumulated over 1,100. in service fees!!

The manager Cody, of the Redwood Road branch, did offer me this: Come into the branch and I will credit your account 200.00 if you bring me 900.00, cash only, (respectfully) and the last 100.00 of my savings account transferred to checking.

Why didn't they transfer the 100.00 in the beginning? Why can they credit my account 200.00 but will not give me an overdraft protection for even 100.00? Why couldn't they make me an offer when the problem was at 400.00 or even 800.00? I am not afraid to pay a service fee, But I'll be god damned if I am going to pay to get raped!!

We have to refinance our home to rectify this problem. No one will call me back. If the bank is going to hold my deposit for verification, then they should also hold my transactions until I can verify them, respectfully.

I have asked the employees and customer service representatives if they would be ok with paying these fees and they are not, but are also like talking to a mudd fence when asked to direct me to an individual who does have enough authority to override the computer.

Whether it be my error or not, does that give the bank the right to charge me these fees? If I dont pay the fees, I will be sent to collections and will not be able to get a checking account for 5 years. (After they close the account)

I want these questions answered- Is there a maximum overdraft fee that can be charged to an account in a 10 day period? Why can they close the account at my expense of their computer generated fees and hold me accountable for them, but they will not close my account at my request, still being held accountable?

I am requesting that my name be cleared by US Bank with ChexSystems. My account is now 900.00 + overdrawn with 1100.+ of fees. take the fees away- its simple math...the account would not even be overdrawn.

I am willing to pay the first set of service fees from the first day that the bank could not verify my deposit. Bank policy says that 100. is available the first day, and the rest the next day. Bank error, schmank schmerror.

Tina
Taylorsville, Utah
U.S.A.