US Bank sent my house payment to my Mortgage Company on Dec 31st one day before my scheduled payday. My payments are set up to come out on the first of the month but because they were closed they did it a day early causing my account to be overdrawn.
Next my regular paycheck that would have went into my checking account on December 30th was returned by US Bank because it went into the old account. When I checked my balance and found that I was overdrawn I went into the bank to talk to the Bank Manager. I explained what happened. He said he would work with me.
I stopped into another US Bank to see what could be done about my paycheck and one of the mgr's called the corporate office. They instructed her that my paycheck had already been returned after being put through twice. They also said if I had came in earlier before 12 they possibly could have been snagged and put into the right account.
This SNAFU caused five $33.00 charges which I had no control over. I felt that it was not my fault that they put the mortgage through one day earlier than was scheduled so I demanded a refund for all OD charges.
My bank manager said he would get back to me. He did not. One week later I called him. He stated "the VA is responsible". I spoke to the VA personnel who by then had issued a emergency check and typed a letter explaining that I had no conrol over this matter. I called Mr. Birk back and faxed him a copy of the letter. He said he would get back with the VA before he could make a decision.
He said he could not return any overdraft charges. I then emailed the US Bank and complained which they sent to Mr. Birk. He told them that I had refused to answer his calls. He had called that same day once at 4PM on my cell phone. I didn't get the call until I turned on my cell phone. That was the only time he had called.
I wasn't satisfied so I went to the US Bank on Cherry and they did credit my account for $99.00. I called the 1-800-872-2265 and asked why they did not refund the complete amount. I was told that it was up to my Mortgage Company that would be responsible for the other $66.00 since they were the ones that pulled the money out early.
I called my Mortgage Company and did a three way. When US Bank said that it was their responsibility to reimburse me she explained they had nothing to do with money coming out of my account. The bank sends them the payments. The person said let me go check. They then came back and said that because they had refunded $99.00 of the overdrafts they would not refund the other $66.00. I think US Bank has forgotten who pays their salaries. (cusotmers).
I will be closing my account with US Bank. I will tell all my veteran friends, co-workers etch the treatment I have received. I do not think US Bank is customer oriented. I also think the Branch Manager needs more training and a class on how to deal with all types of people.
Sharon
Meridian, Idaho
EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: “we could not do anything for you” or “you waited too long; it has been more than 60 days”.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER! Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARDIf the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember… Don't let them get away with it! Make sure they make the Rip-off Report ..
The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action. And good luck… Let us know how you do!
ED Magedson – Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.™
Make sure they make the Rip-off Report!
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