US Bank U.S. Bank Double Bills on over drafts... $78 for 'Over the limit' fee Fargo North Dakota

U.S. Bank practices unscrupulous and dirty Banking procedures.

  This last statement I received from US Bank showed that I had an over-the-limit fee.  Confused I quickly looked on line and saw that my interest on the account was suddenly $220 when all the other times it was only $190 for the period.  So I called the customer service line and asked why this was and did my percentage rate increase.  The lady said 'no' but rather it was because all of the previous statements were based on a 29 day billing period and that this period was billed for 34 days!  So, having kept all of my records I quickly checked this and that is NOT what the previous statements said.

  Here is what U.S. Bank is doing... They wait until the billing cycle ends before they take out the interest on your account.  But until then they will show that you have a high balance.  If you take out 1 cent more than what your balance 'really' is (I was over drawn by 4 cents) then you are zapped with an over the limit fee.  Now here is where it gets dirty:  What they do is before they take out their interest fee they will zap you with an over the limit fee ('Before' you are actually overdrawn) and then take out the interest.  Then because the billing cycle starts over again they will then take out an additional over the limit fee within a matter of seconds after charging you for the first one... So in effect, and there is no way to prevent it, you get charged twice in the same instance for an over the limit fee.  The rep also told me that this practice had been disclosed in a previous mailing.  Yeah, sure!  Dirty, dirty, dirty 'pool'.
 
  One other thing to note... A few months ago I decided to do my payments on line.  So I went to the site and made a payment.  Everything went well and having made payments on line before I know better than to click twice or back up as you may run into trouble that way.  Well, the next thing I knew U.S. Bank had made the withdrawal -3- times!  Needless to say, as I do all my bills once a month, a whole slew of checks bounced.  I have not had a bounced check since 1981!  Well I contacted customer service and told them of the problem but because it was late in the day I was told to call back in the morning.  The customer service rep I talked to said that they were having trouble with the system and this had happened to a number of people.
  So I called back the next day and all of the sudden it was My fault and they could not help me and I got a lecture about not using the system properly.  Long story short, with all the bounced check fees, returned check fees, and late fees their screw up cost me roughly $550.00 and they did absolutely nothing about it!

  DO NOT BANK WITH U.S Bank!  I cannot stress this enough.  They are dirty and underhanded and have no interest in being a responsible bank but rather they are in existence to take as much money from you as they possibly can by any means possible.  I have talked to a few people online and this seems to be consistent with their practices.