- Report: #957395
Report - Rebuttal - Arbitrate
Complaint Review: US Bank
US Bank6161 Barry RdKansas City, MO 64154 Kansas City, Missouri United States of America
US Bank Depositpoint Kansas City, Missouri
With being in the negative, any charges that I put on my debit card that day and there after on 10/17 were accruing a $35 overdraft fee. My wife called US Bank today and said our branch could return the overdraft fees but we had to take the check into a local branch before 3 PM. She left work and made it to the branch before 3 PM only to find it the correct time was 2 PM.
She then deposited the checks but the branch's manager was the only one to reverse the overdraft fees and she wasn't there. They suggested she call in and speak to customer service. My wife called in and spoke to a Lindsay who said it was the branch's fault and she needs to speak to them but she didn't understand this was an app that US Bank offers and not a check we dropped off at the branch.
My wife asked for a manager and got all his information and extension then went in to explain the situation. He basically just said the policy and terms that we agreed to stated they didn't have to refund any overdraft fees and then continued to insult her over the phone. His exact words or close to were "I would get a lot more work done if I didn't have to deal with so much bitching." My wife asked him to clarify what he said and he repeated it. Word for word. Then he hung up.
My wife then called the branch back and explained the situation that just had unfolded on that phone and the manager said she would get this escalated and figure out a resolution for us. Well she just called my wife back and told her there was nothing they could do.
To sum things up. My wife used an 8 mega pixel camera to take a clear picture of her check, front and back, sent it in, and US Bank accepted it and deposited our money. 3 Days later Bank of America says it's a Non-conforming check and US Bank withdrawls that money without notifying us of the drastic change in our bank account and we are oblivous to what's happening. They said they mailed us a letter which we have yet to receive. We try to rectify it and the bank says they won't refund the $130 of overdraft fees they profited from this whole mess and tell us since we agreed to the terms and policy they don't have to refund the money.
I am going in tomorrow to withdrawl all my funds that they will let me and moving to a different bank. Poor customer service and offensive, the lack of understanding that this isn't a problem I created, and the unwillingness to work with me. I am going to try and contact Bank of America tomorrow to see what the process looks like there.
Please contact me if you need anymore information.
This report was posted on Ripoff Report on 10/19/2012 05:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/US-Bank/Kansas-City-Missouri-64154/US-Bank-Depositpoint-Kansas-City-Missouri-957395. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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