Complaint Review: US Bank

Chris wrote: "Don't forget, the government is going to raise taxes on everyone making over $250,000 per year"

Response: $250k and up? The government can't possibly make enough in tax revenue to cover all of the spending that they want to do if they limit increases to the so called rich people.

At some point in the next three years the government will attempt to raise taxes on people making LESS than $250k.

One of the 'what elses' that comes to my mind is corporate officer compensation. Remember the AIG fiasco? Congress decided that some AIG corporate officers were getting 'too much' and then quickly passed legislation to tax compensation over a certain amount at 99 percent.

I do remember that. I'm probably too young to have my own business (unless I'm one of those Google dudes), but my dad owns a small town telephone company and he told me how much he's getting taxed and it makes me want to scream. I love how Obama wouldn't just tell the truth and force the AIG folks give back their bonuses (that congress approved), but instead taxed them 99% to make it somehow look legitimate.

Now, what is to prevent Congress from determinining that because I only provide 2 ful time jobs, that as the President of my corporation anything I make over XX amount is too much and decide to tax anything over XX (say $30 grand) at 99 percent? What's to stop the State of NY from doing exactly the same thing? What gives the government the right to determine 'how much' compensation is 'correct' for me?

Don't forget, the government is going to raise taxes on everyone making over $250,000 per year, except that number seems to be getting lower all the time. Personally, I pay the US government $30,000 a year and get about $500 back because I don't really have anything to write off (house, kids, etc.). Obama is considering me rich now and I'm far from that. I'm certainly not poor, as you clearly aren't, Robert, but to call me rich is laughable. I struggle just like everyone else. What scares me the most is what the government is using our tax dollars FOR. I read through this nail in the coffin that is the Stimulus Package and it's nothing short of a sick joke. $250,000 for gang member tattoo removal? Are you kidding me? I'm appalled at where my tax dollars are going.

Think this can't happen in the U.S.? So did I until Congress did what they did to AIG with that power grab. I see States jumping on this new 'revenue bandwagon' in the near future.

You wouldn't think this could be happening here, but it clearly is, and it's frightening.

What is the criteria gonna be for 'appropriate' (read government dictated) corporate officer compensation? The number of employees? The employee benifits? The percentage of sanctioned minorities on the payroll (read institutionalized racism/sexism.) The amount I donate to charities? The specific charities I donate to? Political donations?

This is exactly why I feel bad for folks in your situation, Robert. You own a business in a country where political correctness has run amok. Don't bother donating to charities because Obama is getting rid of tax write-offs for you. If you don't hire the correct amount of minorities, liberals, and who knows what else, you will be taxed to death. This is real and it's gone off the deep end.

We have people here who don't know the difference between interest and a penalty imposed for overdrafting an account. We have people like the OP who doesn't have the simplest amount of common sense to properly account for his own money. This issue happening to you would happen at Chase, BofA, and every bank out there. Move your money wherever you wish - this bank is just like all of the others. Nothing bad and nothing good.

Insofar s it relates to credit unions, they are not the haven people believe they happen to be. If you don't need much in the way of customer service, and conveniences, then a credit union might be the best for you. The fees, unfortunately for the poor uninformed person posting earlier, are raising their fees since they're getting hit pretty hard right now and they don't get a bailout....

We have people here who don't know the difference between interest and a penalty imposed for overdrafting an account. We have people like the OP who doesn't have the simplest amount of common sense to properly account for his own money. This issue happening to you would happen at Chase, BofA, and every bank out there. Move your money wherever you wish - this bank is just like all of the others. Nothing bad and nothing good.

Insofar s it relates to credit unions, they are not the haven people believe they happen to be. If you don't need much in the way of customer service, and conveniences, then a credit union might be the best for you. The fees, unfortunately for the poor uninformed person posting earlier, are raising their fees since they're getting hit pretty hard right now and they don't get a bailout....

We have people here who don't know the difference between interest and a penalty imposed for overdrafting an account. We have people like the OP who doesn't have the simplest amount of common sense to properly account for his own money. This issue happening to you would happen at Chase, BofA, and every bank out there. Move your money wherever you wish - this bank is just like all of the others. Nothing bad and nothing good.

Insofar s it relates to credit unions, they are not the haven people believe they happen to be. If you don't need much in the way of customer service, and conveniences, then a credit union might be the best for you. The fees, unfortunately for the poor uninformed person posting earlier, are raising their fees since they're getting hit pretty hard right now and they don't get a bailout....

We have people here who don't know the difference between interest and a penalty imposed for overdrafting an account. We have people like the OP who doesn't have the simplest amount of common sense to properly account for his own money. This issue happening to you would happen at Chase, BofA, and every bank out there. Move your money wherever you wish - this bank is just like all of the others. Nothing bad and nothing good.

Insofar s it relates to credit unions, they are not the haven people believe they happen to be. If you don't need much in the way of customer service, and conveniences, then a credit union might be the best for you. The fees, unfortunately for the poor uninformed person posting earlier, are raising their fees since they're getting hit pretty hard right now and they don't get a bailout....

""Obama is taking over the banks, the auto industry and who knows what else.""

One of the "what elses" that comes to my mind is corporate officer compensation. Remember the AIG fiasco? Congress decided that some AIG corporate officers were getting "too much" and then quickly passed legislation to tax compensation over a certain amount at 99 percent.

This is terrifying! I'm self-employed with 2 small businesses and yes I'm incorporated to protect my personal assets. I don't provide many full time employees (currently 2 besides myself.)

Now, what is to prevent Congress from determinining that because I only provide 2 ful time jobs, that as the President of my corporation anything I make over XX amount is too much and decide to tax anything over XX (say $30 grand) at 99 percent? What's to stop the State of NY from doing exactly the same thing? What gives the government the right to determine "how much" compensation is "correct" for me?

Think this can't happen in the U.S.? So did I until Congress did what they did to AIG with that power grab. I see States jumping on this new "revenue bandwagon" in the near future.

What is the criteria gonna be for "appropriate" (read government dictated) corporate officer compensation? The number of employees? The employee benifits? The percentage of sanctioned minorities on the payroll (read institutionalized racism/sexism.) The amount I donate to charities? The specific charities I donate to? Political donations?

When does it stop?

The reason the banks even needed to be bailed out is because they were forced to give loans to people that had no business having a loan in the first place. The government is so inept it's frightening. It's also about control, like Robert said. President Obama's socialist agenda calls for maximum government control and maximum dependency on the government. Obama is taking over the banks, the auto industry and who knows what else. This is socialism, plain and simple. Now Obama and his cronies are going to be designing the car you drive. They can't even find their own a** with both hands and they're going to design my car?

After doing a search on something I was considering to buy I ended up here and found negative information on that possible purchase, thank you. I will use this site again I am sure.

Out of the corner of my eye I seen U S bank, and being a customer of this bank for 6 or 7 years it caught my interest. Thinking I will read something that will have me changing banks first thing in the am, I started reading. I have to say that my experiance with USB has been just the opposite. I have a meager checking and savings account with this bank and although a few of the employees know me I am nobody special. My wife overdrew the checking account and all of a sudden I recieve a statement with several overdraw fees. I went to the bank and told them it was our mistake but wondered why our savings account did not take care of the lack of funds. My thinking I did have the money in that bank to avoid the spendy overdraft fees. The manager explained that I was not set up for that but she would do that now for me and waive all of the overdraft fees I had recieved. Many months later I had gone online to check my account and noticed my savings account was 200.00 short. To make a long story short, someone had just that day started pulling money from my savings, and after contacting the bank we cancelled that card. My wife filled out and filed what I thought was a minumum of paperwork and the funds taken was promptly returned to my account by US bank.

I do agree that the banks want your money, thats the business they are in. And I think that a bank will do what ever they can to keep your money. They know you will take your money to a differant bank if you are as mad as the poster to this ripoff report. In no way am I siding with this or any other bank. This is just my 2 cents after thinking I was about to read something to make me change my bank first thing this am.

""WE JUST GAVE this same group billions, (or was it trillions), of our tax money to bail them out of a crisis they created. ""

No Tom. Our government STOLE our money (involuntary wealth transfer) to purchase STOCKS in these banks so that the government could CONTROL the banking industry.

Further, our government COMPELLED the banks to make home loans to folks who really couldn't afford them-hence our government created this "economic crisis." It was our government that refused to allow banks to expand (open new branches) if they didn't have enough "low income" home mortgages on the books.

Say hello to the United Socialist States of America.

How can anyone defend a bank putting a computer program in place that times the difference between a deposit and a withdrawal to maximize bank earnings. Try computing the interest rate for a bank charge of $37.50 on a $20.00 check for 3 hours? How can the banks and how can we as consumers allow this to happen....

This is not a cost associated with the transaction, nor is the money at risk. The bank sees the deposit and the computer cost of posting a transaction of this type is negligable. This is bank robbery of the consumer..., and shame on us for accepting it, and shame on us for allowing the bank lobbyist to persuade are elected officials into first changing the laws, and then ignoring the problem.

WE JUST GAVE this same group billions, (or was it trillions), of our tax money to bail them out of a crisis they created. These people are inept, it is not the conusmer who needs to learn to balance a checkbook, and learn to carefully time when 'funds' are cleared... These banks have forgotten why they are in business.

"When one cannot argue with logic they often result to insults in an attempt to elevate themselves."

When you people can't mount an effective counter-argument, you resort to insults (I realize you weren't referring to the defenders, but if you had been, you're comment would have been spot-on).

"When one cannot argue with logic they often result to insults in an attempt to elevate themselves."

When you people can't mount an effective counter-argument, you resort to insults (I realize you weren't referring to the defenders, but if you had been, you're comment would have been spot-on).

"When one cannot argue with logic they often result to insults in an attempt to elevate themselves."

When you people can't mount an effective counter-argument, you resort to insults (I realize you weren't referring to the defenders, but if you had been, you're comment would have been spot-on).

"When one cannot argue with logic they often result to insults in an attempt to elevate themselves."

When you people can't mount an effective counter-argument, you resort to insults (I realize you weren't referring to the defenders, but if you had been, you're comment would have been spot-on).

When one cannot argue with logic they often result to insults in an attempt to elevate themselves.

Here are people who do not overdraw their accounts and are trying to show you can keep from overdrawing yours.

Let's see - you're the one paying overdraft fees, they are not.

Who's the moronic idiot here.

Hilarious!

Here are people who do not overdraw their accounts and are trying to show you can keep from overdrawing yours.

Let's see - you're the one paying overdraft fees, they are not.

Who's the moronic idiot here.

Hilarious!

Here are people who do not overdraw their accounts and are trying to show you can keep from overdrawing yours.

Let's see - you're the one paying overdraft fees, they are not.

Who's the moronic idiot here.

Hilarious!

Here are people who do not overdraw their accounts and are trying to show you can keep from overdrawing yours.

Let's see - you're the one paying overdraft fees, they are not.

Who's the moronic idiot here.

Hilarious!

Wow I can't believe it. Why do these morons have to comment on my report? Why only idiots have to comment here, did everybody sleep with USbank?
Unbelievable, you'd normally expect some support and you find out the same individuals who wander from one ripoff report to the other where the dishonest practices of USbank are discussed leave traces everywhere.
Don't you, people, have better things to do, don't you have a life? Then get yourself one. And stop commenting here, disinterested advice is not needed.
Stop being such butt-kissers!

"This report is for those who've been ripped off and victimized by USBooch"

Then why are you here? I think the posts above aptly explained that the only one who ripped you off was you.

I'm not a fan of any bank, but I'm a big fan of common sense. A little goes a long way when dealing in financial matters.

If you think your current method of accounting is the way to go, I'm sure we'll be hearing from you again when this happens at Chase, BofA, Citi and any other bank you can name.

"This report is for those who've been ripped off and victimized by USBooch"

Then why are you here? I think the posts above aptly explained that the only one who ripped you off was you.

I'm not a fan of any bank, but I'm a big fan of common sense. A little goes a long way when dealing in financial matters.

If you think your current method of accounting is the way to go, I'm sure we'll be hearing from you again when this happens at Chase, BofA, Citi and any other bank you can name.

"This report is for those who've been ripped off and victimized by USBooch"

Then why are you here? I think the posts above aptly explained that the only one who ripped you off was you.

I'm not a fan of any bank, but I'm a big fan of common sense. A little goes a long way when dealing in financial matters.

If you think your current method of accounting is the way to go, I'm sure we'll be hearing from you again when this happens at Chase, BofA, Citi and any other bank you can name.

"This report is for those who've been ripped off and victimized by USBooch"

Then why are you here? I think the posts above aptly explained that the only one who ripped you off was you.

I'm not a fan of any bank, but I'm a big fan of common sense. A little goes a long way when dealing in financial matters.

If you think your current method of accounting is the way to go, I'm sure we'll be hearing from you again when this happens at Chase, BofA, Citi and any other bank you can name.

Go with a credit union if you can. They are much more customer friendly than banks as they are member owned For example, at my credit union:

- All POS debit card transactions are immediately deducted from available balance and you cannot make a debit card transaction if you don't have the balance. You cannot over draft on a debit card transaction. (If you have outstanding checks, and debit too much, you could possibly cause a check to bounce).

- Checks are put through in a manner which will minimize any overdraft charges.

- Credits are always posted before debits.

- If you do overdraft, the fee is only $12

I love how anyone that offers advice on how to avoid overdraft fees is accused of working for USB. Think about it, Einsteins. Why would someone who works for USB tell you how to avoid fees is they're so determined to make you get them in the first place? Doesn't make much sense to me.

Personally, I comment on USB, Humana, Target, Wal-Mart, Best Buy, Sun Trust, Fifth Third, Geek Squad, and many other company ROR's. I guess that means I secretly work for all of those companies. HA!

When you really think about it, the responses weren't defending the bank so much as they were advising you how this happened and suggestions on how to avoid this situation in the future. If you create a report on a publicly accessible forum, you should be prepared for responses.

Please don't write any comments here sympathizing USBank. If you were paid a fee to defend USBank and display your idiotic philosophy go and place your comment somewhere else. I heard CHASE pays more to write poems on their behalf.
Here your advice how to balance my cheque book and how to do the math on the balance are not welcome. Simply not needed. There is youtube for comments like that.
This report is for those who've been ripped off and victimized by USBooch. They can share their own story and provide suggestion how to file a class-action suit against the impostors.
Strictly for this matter.
Don't show you haven't gone to school by posting here if you are a USBooch fan. This is the wrong page.

The reality is that using an account register and reconciling that register with a monthly account statement from the bank will prevent any account holder from causing any NSF/OD fees.

The majority (if not all) of the reports I've read about NSF/OD fees have common behaviors of the account holders:

using atm cards for everyday purchases.
using more than ONE card attached to the account (husband and wife)
using atm cards for online purchases.
using atm cards for 'auto-bill pay' (autodebits)
relying upon telephone or online account balances to determine what money is available for that shopping trip to Walmart.
*NOT using an account register.
*not reconciling an account register with the scheduled monthly account statement generated by the bank.

Ways to avoid these NSF/OD fees:

1. Use an account register and reconcile the account register with a monthly written statement generated by the bank. If the bank is not mailing statements, contact customer service to have monthly statements MAILED to you.

1a. Be aware of ATM fees, such as the 'non-bank ATM fee' that most banks charge when you use an ATM that is not owned by your bank to make a withdrawal and post that fee in your account register immediately.

1b. Also be aware of any monthly 'account service fee' charged by your bank and post that to your register on the appropriate date.

2. Do NOT GIVE bank account information (or ATM card info) to any merchant, service provider, utility, online service to pay for services and goods. Use a REAL credit card for this purpose (either secured cc or unsecured cc.) Do not setup any automatic deposit to an account that is attached to said cc-NO auto payments to CC company-mail a check each month. If the entity demanding payment makes a mistake, you're gonna have a host of problems and risk OD/NSF fees.

3. Do NOT use an ATM card for everyday expenses-USE CASH. Establish a monthly budget and withdrawal a weekly 'allowance' for every day expenses such as 'milk and bread' from the corner store, Burger King, etc. This will reduce the amount of transactions on the bank account which in turn makes RECONCILING the account and detecting ERRORS easier to accomplish. Again, if the entity demanding payment makes a mistake, you're gonna risk NSF/OD fees.

4. Do not shop with the ATM card-use a real credit card. A real credit card offers protections that you don't have with an ATM card. If the merchant/service makes a mistake, you can dispute it with the CC company WITHOUT getting any OD/NSF. Not true if you use an ATM card-if the merchant makes a mistake, your money is gone until you can convince your bank to give it back, as well as OD/NSF fees.

5. ONLY ONE ATM CARD to one account. Do NOT have 2 or more atm cards for one bank account. Having 'his and hers' ATM cards attached to the same account is the same as in the old days when some folks would have 2 checkbooks for writing checks. It was an invitation to disaster then, and it is today.

6. Verify that deposits to the account have actually cleared. Deposits can take anywhere between 1 and 5 BUSINESS days to clear depending on the type and/or source of the deposit.

Follow ALL of these suggestions and you will NEVER pay an OD/NSF fee again unless it is a LEGITIMATE bank error, and then the bank will gladly and quickly rectify the situation and credit any fees generated as well as contact payees and cover any fees the payees assess to you.

This is a tried and true method to avoid these fees. It works EVERY TIME it's tried.

Firstly...

"And just as someone already mentioned it on this site: the US Bank does not care about you, your personality or your business, all they care about is you money."

You're absolutely correct here though I would expand this to all banks. The reason for their existence is money and their interest in you (and the rest of us) is based on... money!


"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account. Then they quickly post multiple overdraft charges for each transaction made the previous days which in turn will generate more overdraft because they will be considered withdrawals.

So, you wake up one morning and check your account balance and find out it's been overdrawn and all transactions made over a period of 3-5 days posted in one single days. Thus you've been had. Easy and painless. Now you contact them in furious to complain about this unexpected act of misdemeanor and that's when the real pain comes; you are welcomed with a smack in the face. Whatever you say doesn't make sense, no proof or evidence intimidates them, you feel in the trap and you are a meal."

There are a couple of missing details here. The first detail is that banks do not control when merchants submit their charges. For example, I paid my car registration late last week and I'm still waiting for the DMV to submit the charge so that the bank can process and hard post it.

The other missing detail is that the process you describe cannot force you to overdraft ... the account holder still has to authorize a transaction that causes the account balance to go negative. Imagine that "Joe" has $1,000 in available funds in his account and charges $985 in various debits. You can process those debits from highest to lowest or rearrange the days or any other way that you can imagine and the account will not overdraft.

Lastly...

"First off went the complaint to the BBB, then the WA State Attorney General, the Federal Trade Commission, The Comptroller of the Currency and later a legal lawsuit as my last hit to teach them a lesson."

Be certain to post the docket number for your case. A number of us would be interested in the outcome.

Firstly...

"And just as someone already mentioned it on this site: the US Bank does not care about you, your personality or your business, all they care about is you money."

You're absolutely correct here though I would expand this to all banks. The reason for their existence is money and their interest in you (and the rest of us) is based on... money!


"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account. Then they quickly post multiple overdraft charges for each transaction made the previous days which in turn will generate more overdraft because they will be considered withdrawals.

So, you wake up one morning and check your account balance and find out it's been overdrawn and all transactions made over a period of 3-5 days posted in one single days. Thus you've been had. Easy and painless. Now you contact them in furious to complain about this unexpected act of misdemeanor and that's when the real pain comes; you are welcomed with a smack in the face. Whatever you say doesn't make sense, no proof or evidence intimidates them, you feel in the trap and you are a meal."

There are a couple of missing details here. The first detail is that banks do not control when merchants submit their charges. For example, I paid my car registration late last week and I'm still waiting for the DMV to submit the charge so that the bank can process and hard post it.

The other missing detail is that the process you describe cannot force you to overdraft ... the account holder still has to authorize a transaction that causes the account balance to go negative. Imagine that "Joe" has $1,000 in available funds in his account and charges $985 in various debits. You can process those debits from highest to lowest or rearrange the days or any other way that you can imagine and the account will not overdraft.

Lastly...

"First off went the complaint to the BBB, then the WA State Attorney General, the Federal Trade Commission, The Comptroller of the Currency and later a legal lawsuit as my last hit to teach them a lesson."

Be certain to post the docket number for your case. A number of us would be interested in the outcome.

Firstly...

"And just as someone already mentioned it on this site: the US Bank does not care about you, your personality or your business, all they care about is you money."

You're absolutely correct here though I would expand this to all banks. The reason for their existence is money and their interest in you (and the rest of us) is based on... money!


"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account. Then they quickly post multiple overdraft charges for each transaction made the previous days which in turn will generate more overdraft because they will be considered withdrawals.

So, you wake up one morning and check your account balance and find out it's been overdrawn and all transactions made over a period of 3-5 days posted in one single days. Thus you've been had. Easy and painless. Now you contact them in furious to complain about this unexpected act of misdemeanor and that's when the real pain comes; you are welcomed with a smack in the face. Whatever you say doesn't make sense, no proof or evidence intimidates them, you feel in the trap and you are a meal."

There are a couple of missing details here. The first detail is that banks do not control when merchants submit their charges. For example, I paid my car registration late last week and I'm still waiting for the DMV to submit the charge so that the bank can process and hard post it.

The other missing detail is that the process you describe cannot force you to overdraft ... the account holder still has to authorize a transaction that causes the account balance to go negative. Imagine that "Joe" has $1,000 in available funds in his account and charges $985 in various debits. You can process those debits from highest to lowest or rearrange the days or any other way that you can imagine and the account will not overdraft.

Lastly...

"First off went the complaint to the BBB, then the WA State Attorney General, the Federal Trade Commission, The Comptroller of the Currency and later a legal lawsuit as my last hit to teach them a lesson."

Be certain to post the docket number for your case. A number of us would be interested in the outcome.

Firstly...

"And just as someone already mentioned it on this site: the US Bank does not care about you, your personality or your business, all they care about is you money."

You're absolutely correct here though I would expand this to all banks. The reason for their existence is money and their interest in you (and the rest of us) is based on... money!


"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account. Then they quickly post multiple overdraft charges for each transaction made the previous days which in turn will generate more overdraft because they will be considered withdrawals.

So, you wake up one morning and check your account balance and find out it's been overdrawn and all transactions made over a period of 3-5 days posted in one single days. Thus you've been had. Easy and painless. Now you contact them in furious to complain about this unexpected act of misdemeanor and that's when the real pain comes; you are welcomed with a smack in the face. Whatever you say doesn't make sense, no proof or evidence intimidates them, you feel in the trap and you are a meal."

There are a couple of missing details here. The first detail is that banks do not control when merchants submit their charges. For example, I paid my car registration late last week and I'm still waiting for the DMV to submit the charge so that the bank can process and hard post it.

The other missing detail is that the process you describe cannot force you to overdraft ... the account holder still has to authorize a transaction that causes the account balance to go negative. Imagine that "Joe" has $1,000 in available funds in his account and charges $985 in various debits. You can process those debits from highest to lowest or rearrange the days or any other way that you can imagine and the account will not overdraft.

Lastly...

"First off went the complaint to the BBB, then the WA State Attorney General, the Federal Trade Commission, The Comptroller of the Currency and later a legal lawsuit as my last hit to teach them a lesson."

Be certain to post the docket number for your case. A number of us would be interested in the outcome.

Ok, when you said, "...So, you wake up one morning and check your account balance and find out it's been overdrawn and all transactions made over a period of 3-5 days posted in one single days. Thus you've been had..."

I'm a bit confused about your statement because whenever you use your debit card, the money comes off the AVAILABLE balance immediately. It doesn't come off your ACCOUNT balance immediately until the merchant provides proof of payment. This is a Visa polcy and USB doesn't control that. I can't blame them, though. I would want my bank to verify that a purchase is legit before they let the money physically leave my account.

Never, ever, ever, ever, ever, ever, ever, ever, ever, ever go by the account balance. That figure just shows money physically sitting in the account. Some of that figure was promised to places you used your debit card at and they just haven't come after that money yet. Always go by the available balance. The only things not reflected in that figure are things like outstanding checks and auto-debits.

"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account."

The transactions show up when the merchant submits them, this could be several days after the actual swipe. The bank has no control over when the merchant submits the transaction.

That's irrellevant, though. If you did not make transactions that exceeded the amount in your account, you could not possibly be overdrawn. If you were keeping track of your account and not spending more than you had, there would be no "bigger fish" transaction that would put you over. It just can't happen if you keep an accurate check register.

The bank, like most other banks, is taking advantage of your sloppy accounting. You obviously object to that, but the fact remains that they could not do this unless you helped them.

"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account."

The transactions show up when the merchant submits them, this could be several days after the actual swipe. The bank has no control over when the merchant submits the transaction.

That's irrellevant, though. If you did not make transactions that exceeded the amount in your account, you could not possibly be overdrawn. If you were keeping track of your account and not spending more than you had, there would be no "bigger fish" transaction that would put you over. It just can't happen if you keep an accurate check register.

The bank, like most other banks, is taking advantage of your sloppy accounting. You obviously object to that, but the fact remains that they could not do this unless you helped them.

"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account."

The transactions show up when the merchant submits them, this could be several days after the actual swipe. The bank has no control over when the merchant submits the transaction.

That's irrellevant, though. If you did not make transactions that exceeded the amount in your account, you could not possibly be overdrawn. If you were keeping track of your account and not spending more than you had, there would be no "bigger fish" transaction that would put you over. It just can't happen if you keep an accurate check register.

The bank, like most other banks, is taking advantage of your sloppy accounting. You obviously object to that, but the fact remains that they could not do this unless you helped them.

"They set up a trap in which they suspend all your debit card transactions deliberately for several days waiting for a bigger fish, that is a purchase or payment which if added to all recent transaction items either deposit or withdrawal will overdraw your account."

The transactions show up when the merchant submits them, this could be several days after the actual swipe. The bank has no control over when the merchant submits the transaction.

That's irrellevant, though. If you did not make transactions that exceeded the amount in your account, you could not possibly be overdrawn. If you were keeping track of your account and not spending more than you had, there would be no "bigger fish" transaction that would put you over. It just can't happen if you keep an accurate check register.

The bank, like most other banks, is taking advantage of your sloppy accounting. You obviously object to that, but the fact remains that they could not do this unless you helped them.