• Report: #476712

Complaint Review: Us Bank

  • Submitted: Wed, August 05, 2009
  • Updated: Tue, October 02, 2012

  • Reported By:Bellville Illinois
Us Bank
www.usbank.com Hesperia, California U.S.A.
  • Phone:
  • Web:
  • Category: Banks

Us Bank Overdraft fees, account balance, available balance Hesperia California

*Consumer Comment: us bank does show incorrect information on atm receipts and online banking

*General Comment: The problem...

*Consumer Suggestion: Try this.

*Consumer Comment: Tim, I agree

*Consumer Comment: Let's keep it civil in here

*Consumer Comment: To: ReactorCore Victoria, British Columbia Canada

*Consumer Comment: To: ReactorCore Victoria, British Columbia Canada

*Consumer Comment: To: ReactorCore Victoria, British Columbia Canada

*Consumer Comment: Wachovia vs. PayPal

*Consumer Comment: Yes, they do...

*Consumer Comment: The gas station puts a hold?

*Consumer Comment: The gas station puts a hold?

*Consumer Comment: The gas station puts a hold?

*Consumer Comment: You already know what went wrong...

*Consumer Comment: Okay

*Consumer Comment: Okay

*Consumer Comment: Okay

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Let me start off by saying I don't want any rude comments or people saying I need to keep a check register. I've figured that out on my own.
I have had two problems with my account with US Bank. I live in Illinois and I was out visiting family in California for the summer. A week after I got here my temporary card stopped working. It was denied everywhere I used it except for Target. I called the company and they told me to wait for my new card. When my new card came in, it worked for one day and then was denied everywhere after that. I couldn't even get cash out at the US Bank ATM. I went into the bank two different times to get cash out and find out why my card wasn't working anywhere. The tellers told me that because I opened my account in Illinois they couldn't look up any information. That made absolutely no sense since US Bank is all over the country.
Finally on my third trip in there the teller informs me that they think fraud is going on since the card is being used in California. I had this happen with a credit card once and they called me as soon as the suspected fraud occurred. Why didn't US Bank call me and ask me about it? It took three phone calls to finally get the problem taken care of.

Second issue is this. I am not a stupid, illiterate, irresponsible person who thinks I can spend whatever I want. I keep track of what I spend and I pay attention to my AVAILABLE balance, not my account balance. According to my available balance I had money in the bank so I used my card. I sign on today and I have four $35 over draft fees and then six $37.50 fees. It shows my account balance at over -$400 right now. I called to find out exactly where it went wrong since my statement wasn't showing it and I couldn't figure out how I had over drawn my account.
The person I spoke with told me to always click on the right to see my available balance which I knew and I had always done that before. So I start clicking on the transactions and it showed I had over 100 less than what it had shown me originally so I went through the last 90 days of my statement clicking on all of them to see what they said. I understand I should keep a check register and it's my own fault I didn't, but they make online banking convenient and tell you by clicking on each balance you can see what your available balance was at that time. I found discrepancies throughout the entire statement. One would show I had an available balance of $23 and the next one above it after a $120 transaction went through would show an available balance of $500. I want to know why it's not right? Sometimes it will show accurate information and other times it is completely off.
I have looked over my statement for the last two hours and cannot figure out where it all went wrong and now I have over $400 in overdraft fees to deal with.

Rachy
Bellville, Illinois
U.S.A.

This report was posted on Ripoff Report on 08/05/2009 12:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/Us-Bank/Hesperia-California/Us-Bank-Overdraft-fees-account-balance-available-balance-Hesperia-California-476712. 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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0Author 17Consumer 0Employee/Owner
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#1 Consumer Comment

us bank does show incorrect information on atm receipts and online banking

AUTHOR: scott - (United States of America)

I understand that online banking statements can't always be relied on for the correct account balance at a specific point due to outstanding debit card charges etc that haven't yet posted. However when a customer deposits money into their account and the receipt then shows the current balance and the available balance, the customer should be able to rely on the available balance as correct (except for outstanding charges).

I had no outstanding charges, I do use a check registry and the check deposited was good. I went by the available balance on the atm receipt (which my matched my registry) I made a withdrawl of about 70% of the available balance. I also made two small debit card purchases of $5.50 and $10.00. The next day I went online and my account showed my account was negative money plus a $35.00 overdraft fee for my atm withdrawl and two $15.00 charges for the small debit card purchases.

This was and should not have been an incredibly stressful and difficult mess to somewhat clear up. They by error held the check although it showed some fund from the check were available on the atm receipt. They had to call the branch that I originally opened my account at even though I deposited the check at a branch closer to where I currently live in order to reverse the fees the other branch imposed even though I was dealing with the branch that I made the deposit at, weird. At first the bank employee was not helpful and attempted to blame me, that is until the did more investigating, which took forever. I was promised by 9:30am today all funds would be released and by either today or tomorrow the $65.00 overdraft fees would be returned to me.

This isn't the only overdraft errors they made so I canceled the overdraft protection  (what a crock). They charge fees on every little thing. the other day the manager of the apple valley, CA branch was so rude to my father who is a very good customer of theirs he was calmly asking her questions and made a complaint about the way something was being handled and she said to him well if you don't like it maybe you should move your account elsewhere, which is what he is doing and I guess I am too because my money has still not been released and you know that asst. manager of the bank I made the deposit at told me that she is not able to know whether my check deposited has cleared or not, how is that possible, doesn't make sense.

The bank has to have that information about whether a check has cleared yet or not or else how and why would the do any business by just guessing or assuming. I asked her to repeat what she had just stated, I didn't misunderstand. Stay Clear Of USBANK unless you want headaches and problems and want to give a large amount of you money to them in the form of fees.
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#2 General Comment

The problem...

AUTHOR: Chris - (U.S.A.)

"You're upset with the bank shutting off your debit card because they thought someone was using it fraudulently? Um, ok. Maybe next time when someone does actually use it that way, the bank should leave the card on and let some criminal wipe out your life savings."

*Sigh*.  As usual, you missed the point.  If the bank suspects fraud, they should at least attempt to contact the customer to ask about it before they start deactivating debit cards.  It didn't even occur to them that perhaps, just perhaps, someone may travel outside their home state?

" It's just common sense to tell your bank and credit card companies that you'll be in a different geographic area using the card."

So now I have to tell my bank when I leave the state?  I have an even better idea.  Why don't we skip the pleasantries and just install a GPS tracker and some surveillance equipment on our cars so the bank knows where we are and what we're doing at all times!  Sound good?
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#3 Consumer Suggestion

Try this.

AUTHOR: I Am The Law - (U.S.A.)

1. You're upset with the bank shutting off your debit card because they thought someone was using it fraudulently? Um, ok. Maybe next time when someone does actually use it that way, the bank should leave the card on and let some criminal wipe out your life savings. It's just common sense to tell your bank and credit card companies that you'll be in a different geographic area using the card.

2. The USB website is extremely easy to use. As you've discovered, they actually have the ability to show your available balance per transaction. Here's an easy way to figure out where you went wrong: add all of the overdraft fees back in and compare that to the previous business days available balance. I GUARANTEE you'll have some sort of shortage.

Before you say it, no, I don't work for USB.
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#4 Consumer Comment

Tim, I agree

AUTHOR: Ronny G - (U.S.A.)

I don't know if I should thank you for claiming the role of rip off report moderator, but it was needed. Reactorcore seems to personally hate my guts for some reason. He doesn't like when anyone has a problem with the banks..Is he a moderator or some expert on banks? Just curious.

Thanks,

Ronny
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#5 Consumer Comment

Let's keep it civil in here

AUTHOR: Tim - (U.S.A.)

This is not on the topic of the report, but apparently worth note.

Bickering between posters is better reserved for chatrooms and role playing games.

If you want your advice (and this site) to be taken seriously, ditch the name-calling and keep things on a professional level.

You both had solid advice and/or solid points. Don't cloud them with sophomoric evidence of your dislike for one-another.

Best regards!
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#6 Consumer Comment

To: ReactorCore Victoria, British Columbia Canada

AUTHOR: Ronny G - (U.S.A.)

Yeah, I know you hate when I title the posts like that..but you keep on acting like a little bi*ch with your name calling..I will disregard your requests for respect as well.

To make this short and sweet, I am aware of the differences between a financial institution and a business..but they both have customers..and they both have measures to protect the customer from fraudulent activity, including the debit cards.

My main point was that I do wish the banks VISA debit card worked more like the paypal VISA debit card only because the paypal debit is not set up to make it easy to overdraw for the sake of re-sequencing the transactions to rock us with an avalanche of fees. If Wachovia simply declined the card if an overdraw was to occur...or if an overdraw does occur, to charge the corresponding fees ONLY to the transaction that caused the initial overdraw, and not to subsequent transaction in which funds were available..I would have no problem with them whatsoever. But you don't understand so is there even a point to explaining this to you again..and again..and again???...oh and again??? Aye?

And..to educate you a little more if this is even possible (you know how pigheaded canucks are)..here is what I got from Paypals debit terms and conditions regarding fraudulent use/theft...

2. Section 12 of the PayPal user agreement is amended for clarification purposes. The new section 12 will read as follows:

12. Unauthorized Transactions
12.1 What does 100% protection for unauthorized transactions mean?

PayPal will cover you for the full amount of every eligible unauthorized transaction.

12.3 What are the eligibility requirements?

To be eligible for 100% protection for unauthorized transactions, you must notify us within 60 days after the unauthorized transaction first appears in your Account history. Otherwise, you will be liable for related losses that occur on day 61 and beyond, if we can prove that we could have stopped the losses had you told us in time. We will extend the 60-day time period if a good reason, such as a hospital stay, kept you from notifying us within 60 days.

Now...that is PLAIN ENGLISH, even can you understand it?
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#7 Consumer Comment

To: ReactorCore Victoria, British Columbia Canada

AUTHOR: Ronny G - (U.S.A.)

Yeah, I know you hate when I title the posts like that..but you keep on acting like a little bi*ch with your name calling..I will disregard your requests for respect as well.

To make this short and sweet, I am aware of the differences between a financial institution and a business..but they both have customers..and they both have measures to protect the customer from fraudulent activity, including the debit cards.

My main point was that I do wish the banks VISA debit card worked more like the paypal VISA debit card only because the paypal debit is not set up to make it easy to overdraw for the sake of re-sequencing the transactions to rock us with an avalanche of fees. If Wachovia simply declined the card if an overdraw was to occur...or if an overdraw does occur, to charge the corresponding fees ONLY to the transaction that caused the initial overdraw, and not to subsequent transaction in which funds were available..I would have no problem with them whatsoever. But you don't understand so is there even a point to explaining this to you again..and again..and again???...oh and again??? Aye?

And..to educate you a little more if this is even possible (you know how pigheaded canucks are)..here is what I got from Paypals debit terms and conditions regarding fraudulent use/theft...

2. Section 12 of the PayPal user agreement is amended for clarification purposes. The new section 12 will read as follows:

12. Unauthorized Transactions
12.1 What does 100% protection for unauthorized transactions mean?

PayPal will cover you for the full amount of every eligible unauthorized transaction.

12.3 What are the eligibility requirements?

To be eligible for 100% protection for unauthorized transactions, you must notify us within 60 days after the unauthorized transaction first appears in your Account history. Otherwise, you will be liable for related losses that occur on day 61 and beyond, if we can prove that we could have stopped the losses had you told us in time. We will extend the 60-day time period if a good reason, such as a hospital stay, kept you from notifying us within 60 days.

Now...that is PLAIN ENGLISH, even can you understand it?
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#8 Consumer Comment

To: ReactorCore Victoria, British Columbia Canada

AUTHOR: Ronny G - (U.S.A.)

Yeah, I know you hate when I title the posts like that..but you keep on acting like a little bi*ch with your name calling..I will disregard your requests for respect as well.

To make this short and sweet, I am aware of the differences between a financial institution and a business..but they both have customers..and they both have measures to protect the customer from fraudulent activity, including the debit cards.

My main point was that I do wish the banks VISA debit card worked more like the paypal VISA debit card only because the paypal debit is not set up to make it easy to overdraw for the sake of re-sequencing the transactions to rock us with an avalanche of fees. If Wachovia simply declined the card if an overdraw was to occur...or if an overdraw does occur, to charge the corresponding fees ONLY to the transaction that caused the initial overdraw, and not to subsequent transaction in which funds were available..I would have no problem with them whatsoever. But you don't understand so is there even a point to explaining this to you again..and again..and again???...oh and again??? Aye?

And..to educate you a little more if this is even possible (you know how pigheaded canucks are)..here is what I got from Paypals debit terms and conditions regarding fraudulent use/theft...

2. Section 12 of the PayPal user agreement is amended for clarification purposes. The new section 12 will read as follows:

12. Unauthorized Transactions
12.1 What does 100% protection for unauthorized transactions mean?

PayPal will cover you for the full amount of every eligible unauthorized transaction.

12.3 What are the eligibility requirements?

To be eligible for 100% protection for unauthorized transactions, you must notify us within 60 days after the unauthorized transaction first appears in your Account history. Otherwise, you will be liable for related losses that occur on day 61 and beyond, if we can prove that we could have stopped the losses had you told us in time. We will extend the 60-day time period if a good reason, such as a hospital stay, kept you from notifying us within 60 days.

Now...that is PLAIN ENGLISH, even can you understand it?
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#9 Consumer Comment

Wachovia vs. PayPal

AUTHOR: ReactorCore - (Canada)

Once again, Ronny "Don Quixote" G rides in without having learned anything from what's already been explained to him. However, he's really irrelevant in regards to the question anyway

Wachovia = Financial institution
PayPal = Pure business venture.

Wachovia, despite Ronny's bleatings, is bound by law to follow FDIC procedures in order to benefit from inclusion as an FDIC bank. If they lose their FDIC charter, they're pretty much finished.

PayPal is under no such obligations. None. They're in it to make as much money as possible and will waste no time making that money, even if the means are questionable (as they are in other aspects of their business), and enforcement under actual business laws is far looser than FDIC mandates.

Thus, it makes more sense to the PayPal fat cats to process every transaction as soon as humanly possible, since they get a cut of processing fees from whatever establishment will honor a card issued by them (in conjunction with Visa, who also gets their cut). The faster they push the purchase through, the faster they get their percentage. Simple.

The problem with this is that there are actually LESS safeguards for the consumer with regards to fraudulent activity... Someone could lift your card and drain it completely before you could lift a finger. At least with holds, such as they are, done by FDIC institutions, if you're fast enough in discovering the loss of a card, anything in the hold queue can be recouped before it leaves your account, and if you have access to a fraudulent use protection service through whatever bank or credit union you're using, all the better, since that heads off the NSF/OD fees.

If Ronny here lost his PayPal card to a thief today and didn't notice til tomorrow, he'd be pooched.

Now, as for the OP, you say you use a check register, and that's great. I applaud you for it. I think you'll find what others have said to be true, and you can put it to the test yourself... For one month, check every transaction in an "online vs. physical register" test. See how they stack up against each other each time. It may take some extra effort and time, but the realization that the online version of your funds DOESN'T always match the physical register in your hands will be well worth it as a learning experience, and it takes only that one test run to see the true value of NOT taking the online balance as true and correct every time.
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#10 Consumer Comment

Yes, they do...

AUTHOR: Edgeman - (U.S.A.)

I can't speak to how your preferred station does business, but the local Chevrons put a $1 hold against my account when I pay at the pump whether I use my US Bank debit card, my BofA debit card or my Paypal Mastercard debit card.

That's also true of Chevrons I've stopped at while travelling.
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#11 Consumer Comment

The gas station puts a hold?

AUTHOR: Ronny G - (U.S.A.)

That's strange that the gas station is doing the hold. How come then when I use my paypal VISA debit card the transaction and exact amount INSTANTLY show up on my on-line statement? And if I attempt to spend a PENNY more then my "AVAILABLE" balance..the transaction is declined.

It is hard for me to understand why my WACHOVIA VISA debit card does not operate the same way (well not really that hard to understand, the bank makes money by this)..which would prevent more then one overdraw to even occur..much less the re-sequencing which is what wipes customers out and sends their accounts way negative..legal or not..and customers fault or not for over drafting..I still think it's an unfair practice which in it's very nature is targeting lower income and/or financially struggling customers.

Hopefully something can be done about this as a register itself does nothing to get customers back any money they feel were unfairly charged to their accounts.
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#12 Consumer Comment

The gas station puts a hold?

AUTHOR: Ronny G - (U.S.A.)

That's strange that the gas station is doing the hold. How come then when I use my paypal VISA debit card the transaction and exact amount INSTANTLY show up on my on-line statement? And if I attempt to spend a PENNY more then my "AVAILABLE" balance..the transaction is declined.

It is hard for me to understand why my WACHOVIA VISA debit card does not operate the same way (well not really that hard to understand, the bank makes money by this)..which would prevent more then one overdraw to even occur..much less the re-sequencing which is what wipes customers out and sends their accounts way negative..legal or not..and customers fault or not for over drafting..I still think it's an unfair practice which in it's very nature is targeting lower income and/or financially struggling customers.

Hopefully something can be done about this as a register itself does nothing to get customers back any money they feel were unfairly charged to their accounts.
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#13 Consumer Comment

The gas station puts a hold?

AUTHOR: Ronny G - (U.S.A.)

That's strange that the gas station is doing the hold. How come then when I use my paypal VISA debit card the transaction and exact amount INSTANTLY show up on my on-line statement? And if I attempt to spend a PENNY more then my "AVAILABLE" balance..the transaction is declined.

It is hard for me to understand why my WACHOVIA VISA debit card does not operate the same way (well not really that hard to understand, the bank makes money by this)..which would prevent more then one overdraw to even occur..much less the re-sequencing which is what wipes customers out and sends their accounts way negative..legal or not..and customers fault or not for over drafting..I still think it's an unfair practice which in it's very nature is targeting lower income and/or financially struggling customers.

Hopefully something can be done about this as a register itself does nothing to get customers back any money they feel were unfairly charged to their accounts.
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#14 Consumer Comment

You already know what went wrong...

AUTHOR: Edgeman - (U.S.A.)

From the report:

"I understand I should keep a check register and it's my own fault I didn't, but they make online banking convenient and tell you by clicking on each balance you can see what your available balance was at that time."

You should never use online banking as a replacement for a check register. It was never intended to be used that way as you discovered:

"One would show I had an available balance of $23 and the next one above it after a $120 transaction went through would show an available balance of $500. I want to know why it's not right? Sometimes it will show accurate information and other times it is completely off."

By it's very nature, online banking can't be completely accurate all of the time. Every week I buy gasoline at my preferred Chevron station and they always place a $1 hold against my account no matter how much I have actually spent. Let's say that I buy $50 worth of gas. My online banking page would show a balance of $49 higher than it actually is. The bank has no idea how much I actually spent until the merchant gets around to actually submitting the charge.

Furthermore, US Bank will release holds prior to hard posting the day's transactions. Let's say that I have $300 in the account and $115 in pending transactions. I'd have a balance of $185 but when those holds are released my online banking page will show a balance of $300. A little later the transactions will hard post and the true $185 balance is shown. This tends to happen late at night but if you check your account during that little window you'd think that you have more money than you actually do.

This is why a written check register is a necessity. In the above example, the check register would have shown a balance of $185 and we wouldn't have to worry about the accuracy of online banking. If you go to your favorite search engine and look for "free check register", you should find a number of printable check registers in a variety of sizes.

No ripoff here.

Best of luck to you.
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#15 Consumer Comment

Okay

AUTHOR: Ashley - (U.S.A.)

First of all, your first complaint is on the bank trying to protect their customers. You should be happy they are so diligent.

Second you state that you do not want a lecture on using a check register.

then you state:

"I keep track of what I spend and I pay attention to my AVAILABLE balance, not my account balance. "

That is your problem. Your available balance will always differ from your actual account balance. the only way to know for sure what your actual account balance is, is to keep a check register. There are many transactions that will not show up properly on an online register until they clear.

So yes, this is your mistake. You need to keep a check register and balance your checkbook. Stop using the online register to figure out how much money you have. It is inaccurate.
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#16 Consumer Comment

Okay

AUTHOR: Ashley - (U.S.A.)

First of all, your first complaint is on the bank trying to protect their customers. You should be happy they are so diligent.

Second you state that you do not want a lecture on using a check register.

then you state:

"I keep track of what I spend and I pay attention to my AVAILABLE balance, not my account balance. "

That is your problem. Your available balance will always differ from your actual account balance. the only way to know for sure what your actual account balance is, is to keep a check register. There are many transactions that will not show up properly on an online register until they clear.

So yes, this is your mistake. You need to keep a check register and balance your checkbook. Stop using the online register to figure out how much money you have. It is inaccurate.
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#17 Consumer Comment

Okay

AUTHOR: Ashley - (U.S.A.)

First of all, your first complaint is on the bank trying to protect their customers. You should be happy they are so diligent.

Second you state that you do not want a lecture on using a check register.

then you state:

"I keep track of what I spend and I pay attention to my AVAILABLE balance, not my account balance. "

That is your problem. Your available balance will always differ from your actual account balance. the only way to know for sure what your actual account balance is, is to keep a check register. There are many transactions that will not show up properly on an online register until they clear.

So yes, this is your mistake. You need to keep a check register and balance your checkbook. Stop using the online register to figure out how much money you have. It is inaccurate.
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