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Report: #714685

Complaint Review: Us Bank - Internet Internet

  • Submitted:
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  • Reported By: Anonymous — Orem Utah United States of America
  • Author Not Confirmed What's this?
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  • Us Bank Internet United States of America

Us Bank Took everything I had worked hard for, for a mistake they admitted was their fault , Internet

*REBUTTAL Owner of company: Information

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I have banked with US bank for 3 years and never had a problem. In January of 2011, I went to do a "close-transfer" at the branch in Orem, UT. I sat down with a banker that I had worked with many times and trusted. We did a "close transfer" because of fraud and she said that would be the way I could keep my relationship with the bank, but switch account numbers to stop fraud.

Well apparently it was not done correctly, by her own admission, and they took at a very large sum of money last Tuesday. I was very distraught of course and immediatley called my "go-to" person at the bank and she assured me she would take care of everything since she had transfered the account wrong in the first place. She could not give the money back to me, which I understand because that was money owed to the bank fromt he other account, but she said she would refund all the fees and not let it hit my credit since this was "banker error". I am an honest person and while I did not appreciate the way things were handled, I tried to remain calm because we are all human, she made a mistake and was willing to do whatever she could to help me. She refunded all the fees as there should not have been any given the situation. On Friday, when I was paid again I deposited my check and she explained that I still owed 53.15 to close the other account out at a zero balance.

Again, I trusted her and paid that. She looked me in the eye and said everything is taken care of and closed out. You wil not have any problems again with this. Again, we worked together on several occasions, I trusted her and appreciated the help. (I should have gotten her to put that in writing, but I did not realize that at the time.)

Yesterday, Us bank took a total of 286 out of my account again. I immediatley drove from work to the branch to get it taken care of. To my suprise the banker's last day was Friday! The manager there has no idea what she is doing and even though her math did not add up and she could not explain why they had taken so much more money out than they should have, she refused to help me or reverse what had happened.

This is very unfair, I did nothing wrong and was very patient with the mistake so long as they were taking care of it because we are all human. I have read a lot of these comments and rude people on here and I will just say, I am not writing this for a bandwagon to start. I was done wrong and I am escalating this further until someone actually fixes it. I am writing this to heopfully save someone else from going through what I have gone through this past week with 700+ dollars being taken from me. I hope I am able to help someone.

This report was posted on Ripoff Report on 04/06/2011 02:42 PM and is a permanent record located here: https://www.ripoffreport.com/reports/us-bank/internet/us-bank-took-everything-i-had-worked-hard-for-for-a-mistake-they-admitted-was-their-faul-714685. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
0Author
0Consumer
1Employee/Owner

#1 REBUTTAL Owner of company

Information

AUTHOR: I am the law - (USA)

POSTED: Friday, April 15, 2011

Ok, I understand that you're closing one account and opening another for fraud reasons, but was "the money owed to the bank from the other account" a result of the fraud or just your spending? (or both?)

If the bank's investigation of the situation shows that you aren't liable for the fraud on the other account, you aren't stuck with paying that money back (obviously) and it won't hurt your credit. You also wouldn't be stuck with any fee caused because of the fraud. However, if the first account was negative due to you overspending, then you should be liable for the fees and your credit may be impacted.
 
If it is the latter of the two reasons, what's happening is called "right to offset". Basically, this means that if you owe money to the bank for one account, they can legally take money from another one to balance things out. Right to offset won't occur in the fraud investigations unless the bank decides that no fraud took place.



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