- Report: #1089511
Report - Rebuttal - Arbitrate
Complaint Review: US BANK
US BANK Cash Deposit still "pending" while $36 fee assesed for funds not available Mountain Home Arkansas
*Consumer Comment: You spent money you didn't have...
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I left my house on Oct. 3rd without my cash. I wrote a check for an order I had placed, knowing I would need to put the cash (that I had forgotten to bring)in the account early the next morning.
The check I wrote was deposited in a DIFFERENT bank after 2:00PM on Oct. 3rd.
At 6:00AM Oct. 4th we put cash in the bank night depository.
At 9:00AM Oct. 4th the check had not yet cleared my account (according to online banking).
The deposit was not credited until 11:00AM Oct. 4th
Yet at 1:00 PM suddenly online banking shows that the check (that hadn't yet cleared by 9:00AM OCt. 4th) had cleared the account on Oct. 3rd - the same day I wrote the check.
The check was not even deposited in a different bank until after 2:00PM. But it cleared my account that same day and I am charged $36? When I make a deposit after 2:00, the deposit is credited the next business day. Why is a check that was not even deposited into a different bank until after 2:00PM Oct. 3rd credited to my account that same day?
SUMMARY The check did not clear my account until Oct. 4th after 9:00AM (according to online banking) There had been cash waiting since 6:00 AM to cover the check yet I was charged a $36.00 fee.
This report was posted on Ripoff Report on 10/04/2013 12:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/US-BANK/Mountain-Home-Arkansas-72653/US-BANK-Cash-Deposit-still-pending-while-36-fee-assesed-for-funds-not-available-Mounta-1089511. 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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