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.