tragedy
  • Report: #435116

Complaint Review: US Bank

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  • Submitted: Tuesday, March 17, 2009
  • Last Posting: Wednesday, August 19, 2009
  • Reported By: — livermore California
US Bank
Usbank.com Nationwide U.S.A.
  • Phone:
  • Web:
  • Category: Banks

US Bank usbank is stealing our money by holding our money, then charging overdraft fees Salt Lake City Nationwide


1Author 5Consumer 0Employee/Owner

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I am so glad to hear I am not alone. I too have been victimized by US Bank. I couldnt figure out where my money was. They hold the cc deposits and don't post them, I have to track the money and phone people to find out where the money is and why it hasn't been credited for merchant deposits. Then they bounce my checks even when they know they are holding credits.

It is out of control. I finally closed the account but still can't find some of my money and they of course have thousands of dollars they are either holding or in overdraft charges, even though I have plenty of credits/deposits they haven't posted yet. Let's get organized and file a class action suit. I mean it, I will sue them, want to join me? I want my money back.

Vacman
livermore, California
U.S.A.

This report was posted on Ripoff Report on 3/17/2009 1:14:09 PM and is a permanent record located here: http://www.ripoffreport.com/banks/us-bank/us-bank-usbank-is-stealing-our-cyd34.htm.

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REBUTTALS & REPLIES:
1Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

By all means...

AUTHOR: Edgeman - Chico (U.S.A.)

SUBMITTED: Tuesday, March 17, 2009

Sue them. And post the docket number here.
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#2 Consumer Comment

please

AUTHOR: Chris - Chesterfield (U.S.A.)

SUBMITTED: Sunday, May 03, 2009

Please explain to me how your comment was "helpful advice".
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#3 Consumer Comment

Chris...

AUTHOR: Edgeman - Chico (U.S.A.)

SUBMITTED: Sunday, May 03, 2009

The OP wrote that he will sue them and even added that he means it. I should think that you'd be happy that I encouraged him to sue US Bank.

By going through with the lawsuit and posting the docket number here, we'd have a point of reference for future users who wish to sue the bank.

What advice can one give when the OP was so vague with the details and already seems to have made up their mind about suing the bank?
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#4 Consumer Comment

ok...

AUTHOR: Chris - Chesterfield (U.S.A.)

SUBMITTED: Monday, May 04, 2009

Your advice seemed sarcastic and mocking to me. If I was wrong, I'm sorry, but you should know better than anyone how easy it is to misinterpret someone on here.
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#5 Consumer Suggestion

ditch the checking, go to savings

AUTHOR: Cj - Milwaukee (U.S.A.)

SUBMITTED: Thursday, May 21, 2009

I say this in all seriousness. Too many people in America have checking accounts. Not everyone should have a checking account. If you cant manage your account and your bank's policies well enough to avoid nsf/od fees, then really you just close it and open a savings instead. You can still cash your paychecks or social security checks with a savings account. You can still use an ATM card. You just couldnt write checks or use a check debit visa card, which is to your benefit because that is the cause of 95% of od fees. But even with savings, you will have some fees. You can only do 6 electronic withdrawals a month from savings before a $15 fee starts (federal regulation) Most savings acct also have a balance requirement else a monthly fee starts. But these fees are nowhere near the od fees you would pay on a checking account. Go savings.
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#6

You're spending funds you don't have.

AUTHOR: I am the law - Cincinnati (U.S.A.)

SUBMITTED: Wednesday, August 19, 2009

If you mean that direct deposits can be transmitted to your bank a few days before your actual paydate, then yes, that is true. However, it is a CRIME to release those funds into the account before that date.

What I'm reading into your ROR is that you are blatantly spending money BEFORE it's deposited to your account. This is also a crime.

You, sir, are a classic example of an INTENTIONAL overdrafter. You have no one to blame but yourself.


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