- Report: #878546
Report - Rebuttal - Arbitrate
Complaint Review: Union Bank
Union Bank20254 US Highway 18 Apple Valley, California United States of America
Union Bank Union Bank of California Charges For Statements They Don't Mail, Charges Outragous NFS Fees Apple Valley, California
*Consumer Comment: A couple of things.
*Consumer Comment: Just a comment
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1st...my dad had a checking account. Effective Jan 1st, 2012. Union bank charges $10 per month for paper statements, $8 for online statements. My dad does not use his account much and didn't have any transactions for Jan. and Feb. 2012. Union Bank did NOT mail him a single statement until March, 2012, which combined all 3 months (Jan. - Mar. 2012).
So Union Bank charged my dad $10 for each month, as if they were mailing him a paper statement each month. This is a rip-off. He paid $10 a month for a mailed statement, whether he had any transactions or not, he's suppose to getting a monthly statement, period! Needless to say, my dad cancelled his account.
Charging someone for a paper statement and not mailing one is fraud!
2nd and the biggest irritation of all. For my account, I mailed two checks and didn't get two make a deposit for 2 days. Naturally, one of the checks was received and processed the next day. So the check was NSF. Yes, this was my fault and I make no excuses for my deposit tardiness. Only a couple of days later, I found out that Union Bank charged $33 a NSF fee. Really??? $33 dollars for a $74.41 check?
But it gets better. Because Union Bank's NSF fee is so outrageous, immoral and unethically high, the money that I did deposited to cover the two checks I mailed, was now short to cover the 2nd check for $37.74. So Union Bank was nice enough to charge me yet an other $33 dollar NSF. Then an additional $6.00 NSF fee on top of of the already $66 total previously charged NSF fees. So, I wrote two checks totaling $112.51 and Union Bank charged $72 in NSF fees! In which, their first insanely high NSF fee, caused the 2nd insanely high NSF fee.
What a complete and utter scam!!! Especially since I've had a checking account with Union Bank for many, many, years. I might have had one NSF check, if even that, over all these years. I hope this bank gets sued or shut down completely, as this is a complete rip-off. I understand an NSF fee...but $33 per item??? But it gets even better. According to their NSF notice that I received in the mail, they charge a $30 maximum NSF fee, then $6 per day beginning with the 7th calendar day.
So, how did they get a $33 NSF fee? According to their own documentation, the max is $30. So, now they are lying on top of it. Union Bank didn't charge a $30 NSF fee per item, they charged a $33 NSF fee per item.
I will be cancelling my account on Monday. I will never use Union Bank again ever!
Beware, Union Bank is a complete rip-off!!! Not only do they lie and charge you for statements they don't mail. They charge outrageous fees that doesn't even match their documentation.
This report was posted on Ripoff Report on 05/04/2012 04:17 PM and is a permanent record located here: http://www.ripoffreport.com/r/Union-Bank/Apple-Valley-California-92307/Union-Bank-Union-Bank-of-California-Charges-For-Statements-They-Dont-Mail-Charges-Outrag-878546. 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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