U.S Bank - U.S. Bancorp us bancorp After being a client of us bank for 28 years, they've consistently and fraudulently stole from my accounts. saint paul, Minnesota

If you are always negative in your checking account and have a large (and possibly late or delinquent) amount on your reserve account, I understand why they're reluctant to extend other products to you.

Also, it sounds like you've overdrawn a few dollars here and there and your reserve advanced you $200 increments instead of just the amount you overdrew. My question is, why didn't you immediately transfer the overage back so you'd only pay interest on what you were actually short?

Let me reword your report.I consistently overdraft my account because I have the intelligence of a stale Pop-Tart. When US Bank activates the reserve line THAT I SIGNED UP FOR, thus saving me from one or more overdraft fees, I get mad that I have to pay back money that's not mine. My limited comprehension also makes it difficult for me to understand why the bank won't give me any more credit products just because I never have money in my account.That's a bit more accurate, wouldn't you say? Far be it for me to defend the bank, but please take this into consideration:
You obviously keep overdrafting your account. Would you rather pay back a small amount of interest or multiple OD fees? Granted, the interest rate is high, but if you pay it back quick enough and you don't OD all the time, it's a nominal amount of money. (A few cents per day.) Here's a tip: quit spending money you don't have and you won't have to worry about it.2. You really expect the bank to give you more credit if you're constantly broke? Come on, man. Use your head. No one cares how long you're been a customer. If you OD, you OD. You won't get special treatment over someone that just opened their account.. Bank accounts aren't for everyone. I'd advise using cash only.

didn't exist in our economy and in the banking industry, in my opinion.