- Report: #475447
Complaint Review: USBank - Alton Illinois
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Author Confirmed
Why?
USBank
www.usbank.com Alton, 62002 Illinois, U.S.A.
Phone:
800-436-6167
Web:
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USBank A Huge Scam Alton Illinois
My account had always been in good standing with USbank. I'll be honest though, i ran into some trouble, and my account was overdrawn. I was overdrawn $2.00. Needless to say, I was hit with a $38 overdraft fee and an $8 fee every day my account was overdrawn. Well, it overdrew on a Saturday and a check went through on a Monday. the check was in the amount of $36. There was another fee of $38 dollars. I had to wait till Friday when I got paid to fix the problem at this point my account $124 overdrawn. I gave them the $124 dollars. My account was back to zero balance. Well, in the meantime, apparently there was a $8 fee that was not added to my account for friday morning. I was unaware of this. When I went to deposit my check the following week, they took more fees out $64 worth. I did not know they did this until 3 days later. I tried to close the account, but they would not let me becuase they said I had an outstanding debt, Yeah fees that I was unaware of and shouln't have been charged if i was at a zero balance. Well, i refused to pay them any more money. They finally closed my account after 2-3 months and my balance is now almost $500 all fees. this bank is a scam and a rip off. I wish I would have checked out this site before i ever opened my account.
Chad
Alton, Illinois
U.S.A.
Chad
Alton, Illinois
U.S.A.
2 Updates & Rebuttals
I am the law
Cincinnati,Ohio,
U.S.A.
You admitted fault
#2
Wed, August 12, 2009
"I'll be honest though, i ran into some trouble, and my account was overdrawn."
Chad, these are your own words.
You signed a legal agreement when you opened up your account stating that you have read, understand, and agree to all terms of the account including USB's fee policy. Why are you so shocked you got an overdraft fee? You admitted you overdrew. Do you think you're special and don't deserve the fee while anyone else who overdraws does? Who do you think you are?
As for not checking your balance; I don't understand how someone could be that negligent. USB offers the following resources for checking your balance:
1. A 24-hour call center
2. Their website
3. Going into a branch
4. ATM's
5. Text alerts
6. Email alerts
All of these services are free and all of them, with the exception of the branches, are available 24 hours a day.
You have no one to blame but yourself for this situation.
Nancy
Steilacoom,Washington,
U.S.A.
I'll bet
#3Consumer Suggestion
Sat, August 01, 2009
I'll bet you do NOT keep a check register and you run amouck with your debit card. ALL banks are the same. SO US BAnk is not different than any of the others. The BEST way to get back at the bank is to NEVER overdraft. Almost 40% of most banks income comes from fees. I agree with the NSF fees,but I think they are gouging. And I do NOT agree with the $8 a day fee that some banks charge. That is pure greed. And the only reason they do it is becasue they can.
