• Report: #1104141

Complaint Review: US Bank

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  • Submitted: Tue, December 03, 2013
  • Updated: Tue, December 03, 2013

  • Reported By: Sean — Las Vegas Nevada
US Bank
7451 West Lake Mead Boulevard, Las Vegas, Select State/Province USA

US Bank US BANK STOLE MONEY FROM MY CHECKING ACCOUNT WITHOUT AUTHORIZATION Las Vegas NEVADA

*General Comment: Thats right blame them...

*Consumer Comment: The only one that is clueless..

*Author of original report: You are clueless

*Consumer Comment: It doesn't work that way

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The ATM Machine at 7451 West Lake Mead Boulevard, Las Vegas, NV 89128 would not accept my cash deposit. I did not have time until after work to find a working ATM which I did directly after leaving work.  However, because the ATM machine was not working it caused me to overdraft on my account because US Bank paid a vendor which I told them I didn't want. They paid the vendor anyways, and it put my account in the negative.  If the ATM machine was working, I would not have had the overdraft fee.  I called US Bank, the Resolution Specialist, Luza was short with me.  No resolution was made.  I want my $36.00 returned to my account.


This report was posted on Ripoff Report on 12/03/2013 09:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/US-Bank/Las-Vegas-Select-StateProvince-89128/US-Bank-US-BANK-STOLE-MONEY-FROM-MY-CHECKING-ACCOUNT-WITHOUT-AUTHORIZATION-Las-Vegas-NEVA-1104141. 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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REBUTTALS & REPLIES:
1Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 General Comment

Thats right blame them...

AUTHOR: Tyg - ()

 Thats right blame the company because ONE atm wasnt working. Its a bank and as such if you are using your debit card, you COULD have gone to another atm and made this deposit. So instead of admitting that you were just too lazy to DRIVE to another atm machine, you would rather put the blame on the bank. Exactly how stupid do you think we all are?

This is ALL ON YOU!! YOU made the choice to NOT drive to another ATM. And before you start in on how you dont know where they are at. Look it up on your phone. Be it a flip phone or a smartphone, you could have looked up WHERE other atms for your bank were. So you aint getting that $36 back. Get over it princess. YOU MADE THE MISTAKE!!!!!! Not the bank. You can TELL them all you like. But unless you put a stop payment on it, then the bank has to honor it as a legal payment.

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#2 Consumer Comment

The only one that is clueless..

AUTHOR: Robert - ()

 The only one that is clueless is you.

Without going into details because I am unsure if you will understand it.  For all intensive purposes an ACH transaction is identical to writing a Check.  The only difference is that it is done electronically rather than on-paper.  In fact they are so much alike that many companies that accept checks will actually convert the check to an electronic check and process it through an ACH transaction.

So as much as you want to deny it or try to blame everyone else for this fee.  You authorized an ACH transaction when you didn't have the money available in your account, and the only one responsible for this fee is you.

Now, I do want to make a slight correction.  You can contact the bank and have them do a "Stop Payment" on a Check or ACH transaction.  However this is a service the bank provides and as such they will still charge you a fee, but even if you do this depending on the exact circumstances it still may be processed.  But if you do this and the check is returned, it is still considered a "returned check" and as mentioned previously could cause you quite a bit of fees and even possibly legal issues...not from the bank but from the company. 

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#3 Author of original report

You are clueless

AUTHOR: Angela - ()

What doesn't work which way?  You got your facts all wrong.  It was a ACH withdrawal.   Stop making accusations not to mention calling people out as breaking the law.  You have no idea, you're a Troll, get a life.

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#4 Consumer Comment

It doesn't work that way

AUTHOR: Robert - ()

That is a pretty good trick.  Give a vendor a check or use your debit card and then after the fact call up the bank and tell them not to honor it.  Yea..too bad in real life it doesn't work that way. 

 If the ATM machine was working, I would not have had the overdraft fee

- NO.  If you didn't spend money you didn't have available in your account you wouldn't have overdrafted.

Oh and one other side note.  Just on the off chance the bank honored your wishes, you could have ended up arrested on fraud charges...that's right.  Because it is a crime to intentionally give a company a check you know is going to bounce or that you have no intention on paying on.  If you don't believe me, contact your local District Attorney and ask them about their "Check Restitution" program.  Even on the off chance you don't get arrested.  The company the check/debit is returned to has the legal right to charge you a return fee.  Depending on your jurisdiction it could be as much as 3 times the amount of the returned item.  Not only that but if this was a payment to a loan or credit card if this puts you late you could be charged a late fee as well as additional interest.    If this is a utility the utility may decide to require a deposit on your account.  If this is something like a car loan, it could be enough for them to instantly start the reposession process on your car.

Bet that $36 you are paying for your mistake looks pretty good right about now.

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