- Report: #148784
Complaint Review: US Bank - Joplin Missouri
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US Bank
101 N Rangeline Rd Joplin, 64801 Missouri, U.S.A.
Phone:
800-8722657
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US Bank Ripoff, $200 in overdraft charges when account balance was never negative! Joplin Missouri
I have been a customer of US Bank for 8 years. I have never had problems with bad checks or overdrawn accounts. I tend to check my account on a weekly basis.
Last week I receive a postcard showing 8 transactions that were overdrafts with a $25 charge each! I called to see what on earth could be wrong since the check I had deposited had posted a week before any of the transactions and there was more than enough money in my account at any given time to cover those purchases and bill payments.
The rep I spoke to did nothing but contiuously repeat the same thing to me. She said "see the avilable balance when your looking at your account online? See how when you click it theres an available balance and available funds? Well you didn't have money in the acccount to cover the transactions." I explained to her that she surely didn't think I was stupid enough to make several purchases and payments if I knew there wasn't money in the account because I would have overdraft fees.
As I cried my eyes out to her, she spouted out her same statement over and over. She said the most she could do was refund 3 transactions. (WOW $75 back, what about the other $125?!) I told her that I found it humorous that if I suspect fraud on my account its my responsibility to contact them IMMEDIATELY concerning this matter, but that when my account supposedly goes into overdraft, they notify me by mail a few days later.
She said there was no way they could give a courtesy call to every customer concerning that, and I said "of course not, that would be good customer service, I don't matter to you as a customer, just as an account that you can make money off of!"
If anything comes of this, I'd like to know about it-its unfair and unjust!
Mandy
Joplin, Missouri
U.S.A.
Last week I receive a postcard showing 8 transactions that were overdrafts with a $25 charge each! I called to see what on earth could be wrong since the check I had deposited had posted a week before any of the transactions and there was more than enough money in my account at any given time to cover those purchases and bill payments.
The rep I spoke to did nothing but contiuously repeat the same thing to me. She said "see the avilable balance when your looking at your account online? See how when you click it theres an available balance and available funds? Well you didn't have money in the acccount to cover the transactions." I explained to her that she surely didn't think I was stupid enough to make several purchases and payments if I knew there wasn't money in the account because I would have overdraft fees.
As I cried my eyes out to her, she spouted out her same statement over and over. She said the most she could do was refund 3 transactions. (WOW $75 back, what about the other $125?!) I told her that I found it humorous that if I suspect fraud on my account its my responsibility to contact them IMMEDIATELY concerning this matter, but that when my account supposedly goes into overdraft, they notify me by mail a few days later.
She said there was no way they could give a courtesy call to every customer concerning that, and I said "of course not, that would be good customer service, I don't matter to you as a customer, just as an account that you can make money off of!"
If anything comes of this, I'd like to know about it-its unfair and unjust!
Mandy
Joplin, Missouri
U.S.A.
2 Updates & Rebuttals
Paul
Anaheim,California,
U.S.A.
Alright you stupid banks, now I'm pissed. If you can't make a reasonable account, you won't get nothing!
#2Consumer Suggestion
Thu, July 07, 2005
Look, you idiot banks, if you all sit there and think I'm gonna pay $150 a month in overdraft fees just so I can have a d**n checking account, you're out of your mind. I could have a brand new computer system in my home for that same amount. Not just a computer, but a printer too, and one of those flat-screen monitors. Instead, what do I get? Nothing! Overdraft, five times a month. I'm sick and tired of it and I'm not going to take it anymore. I tried working with you idiots. I tried to keep my account with money in it all the time. But, every time I turn around, what do I get? Overdraft! That's it! I am so freakin' done with this nonsense. Here's what I'm doing. No more checking account. Closed forever. I'm opening one savings account. And, I'm only putting the minimum amount in there. Just enough to keep the account open. The ATM card is gone too. Closed. From now on, I'm paying with cash. Hell, I'll save so much money that way. Not to mention all the stress. I'm half afraid to even check my balance anymore. I know something's always going to be bad. So, no ATM card! No debit card either. And, no more checks to figure out. From now on, I'm gonna go in and cash my paycheck in person, at a teller window. I'll show them my savings account number, so it shouldn't be a problem. If I have to mail out any bills, I'll use a money order from the post office. They cost 90 cents. Not $150 a month, like I been paying. From now on, the only banking I'll be doing is to keep that same $300 in that same savings account. I'll never take a dime out, or put a dime extra in. Three hundred. Until hell freezes over. Try making a profit on that, mr bank! Think of all the extra money I'll save. At least $150 a month. Some months, more. You know, I can't even think right with all this bank stress. But, it'll be OK now. I gave em a chance to make a reasonable account. I was willing to pay for my checking. Instead, it ends up costing me $150 a month, and I'm always in overdraft. Now, they won't get nothing! Serves em right too! All you banks can kiss my a*s from now on!
Paul
Anaheim,California,
U.S.A.
Alright you stupid banks, now I'm pissed. If you can't make a reasonable account, you won't get nothing!
#3Consumer Suggestion
Thu, July 07, 2005
Look, you idiot banks, if you all sit there and think I'm gonna pay $150 a month in overdraft fees just so I can have a d**n checking account, you're out of your mind. I could have a brand new computer system in my home for that same amount. Not just a computer, but a printer too, and one of those flat-screen monitors. Instead, what do I get? Nothing! Overdraft, five times a month. I'm sick and tired of it and I'm not going to take it anymore. I tried working with you idiots. I tried to keep my account with money in it all the time. But, every time I turn around, what do I get? Overdraft! That's it! I am so freakin' done with this nonsense. Here's what I'm doing. No more checking account. Closed forever. I'm opening one savings account. And, I'm only putting the minimum amount in there. Just enough to keep the account open. The ATM card is gone too. Closed. From now on, I'm paying with cash. Hell, I'll save so much money that way. Not to mention all the stress. I'm half afraid to even check my balance anymore. I know something's always going to be bad. So, no ATM card! No debit card either. And, no more checks to figure out. From now on, I'm gonna go in and cash my paycheck in person, at a teller window. I'll show them my savings account number, so it shouldn't be a problem. If I have to mail out any bills, I'll use a money order from the post office. They cost 90 cents. Not $150 a month, like I been paying. From now on, the only banking I'll be doing is to keep that same $300 in that same savings account. I'll never take a dime out, or put a dime extra in. Three hundred. Until hell freezes over. Try making a profit on that, mr bank! Think of all the extra money I'll save. At least $150 a month. Some months, more. You know, I can't even think right with all this bank stress. But, it'll be OK now. I gave em a chance to make a reasonable account. I was willing to pay for my checking. Instead, it ends up costing me $150 a month, and I'm always in overdraft. Now, they won't get nothing! Serves em right too! All you banks can kiss my a*s from now on!
