Complaint Review: US Bank - Lake Saint Louis Missouri

So how exactly were you ripped off?  You signed a contract, it says if you don't pay they can take money out of your checking.  You didn't respond to them for payment so they did what they said they would do in the contract.  Now you're putting a complaint about a good company just because you couldn't pay the bill.  Make sure you don't default on your debts.  If you cannot meet your obligations then the first thing you should do is to contact your creditors on how to arrange a hold of payment (post pone the payments) or to do small monthly payments.

I'm sorry to hear about this situation, but you really weren't ripped off. 

This is 100% legal, all financial institutions do this, and you signed a document stating that you agree to this policy when you opened the account.

This is no ripoff.

 Did you even read the terms and agreement notice?

is available at this site! Anyone in the world can sing it!!!

*Just type in 411913 and it appears as 'Consumer Comment #55' at Ripoff Report #411913.

(Make sure to read Ripoff Report #411913 and spread it all over the web at sites like Twitter & Facebook.)

Thank You

HAPPY NEW YEAR!

'Google' this- THE OBAMA DECEPTION, and watch that video too.

there's nothing you can do to get your money back---it should actually be common sense that if you have a checking account with a bank that provides you credit that they can and will raid your account---for whatever reason you could not pay the bills--you should of specified as to why you could not pay---on top of this it doesn't look good when you say they took out 1000$--umm--that is more than i have in any account--let alone how much was left over??---with your lack of explanation i really cannot feel bad for you---the only thing small business owners should be aware of is not screwing there employees--i have only worked for 1 business in my life out of roughly 10 that actually cared about the employees and how they were treated--and this nation wonders why the working people have a beef with business owners???!?!?!?--because 90% of business owners suck--some even do shady business practices to there customers--the level of service has also declined with these thoughts combined

The author said, "The small print is in your card member agreement book."

So they told you they could do this... So where's the ripoff?

This is 100% legal, all financial institutions do this, and you signed a document stating that you agree to this policy when you opened the account.

This is no ripoff.

 Did you even read the terms and agreement notice?

Sorry to hear about your experiences. Don't mean to be harsh, but that's the way I am. Worked for one company after another. Put in 87 hours a week at Zales until they got bought out and then got part-time. The were getting rid of the folks who were getting paid the most. Last place, put in 164 hours in 11 days. Got my first paycheck. Figured if I was going to make $3 an hour, I might as well work for myself. Three days letter was in intensive care, for a week. When I got out, I opened my own store. That was 11 years ago. Four years ago I knew I was going to need knee surgery. Figured I'd be back to work in a few days. Had the surgery, got a staph infection. Wasn't back to work for two months. Before the surgery, sold of some items, truck, watch and some weapons, just in case. Dad and my girl worked the store. Little money coming in during the two months. When you're self-employed, that is one of the risks we take. After my return, I actually had customers buy stuff they didn't need or want, just to help me and my business. God bless 'em.

We never do any other business at the banks where we have checking and savings accounts. In fact, we don't have checking and savings accounts at the same banks. We just recently signed mortgage papers for a rental unit that clearly stated that in the event of a deliquency in payment, the bank holding the mortgage reserved the right to recover payments from any other accounts we had in that bank. This also happens with car loans -- if you get your car loan at the same bank where you have a checking account, they will raid your checking account if you are late on your car payment. The BEST solution is to pay all of your bills on time so this won't happen, but keeping all of your accounts at separate institutions can help prevent your checking account getting raided to pay other bills.

I can appreciate your comments on being a dead beat. I am 58 years old and was laid off my job of 27 years when the company closed. I started my own business when I could not find employment. Until this time I have always paid my bills on time and actually do feel like a dead beat. I have withdrawn my entire retirement savings to try a fulfill my financial obligations but the business has failed. However it was quite a shock to find that I only had $211.00 left in my checking account and 2 teenagers at home to provide for. To the small business owner I would suggest that you purchase disability insurance in the event you ever get cancer and have to go though chemo -it makes it difficult to work after a treatment.

As the owner of a small business, I'm insulted over your post. It's people like you who refuse to pay their bills that cause "us" business owner problems. "Your continued delinquency of the above referenced Business Card account and your refusal to acknowledge our collection efforts.." tells us the way you conduct your business. Like the other post said. Pay your bills on time and you won't have to worry about them drafting your account.

I have a great idea... Try paying your bills. It really works great. Keeps the annoying phone calls away, and surprise withdrawls from your bank accounts. It clearly states, in your own verbage, that this is within the bank's right. You clearly admitted to being a dead-beat. So, what are you complaining about?????????