• Report: #222423
Complaint Review:

Harris Bank & Trust (Hoffman Estates)

  • Submitted: Mon, November 27, 2006
  • Updated: Mon, January 28, 2008

  • Reported By:Hoffman Estates Illinois
Harris Bank & Trust (Hoffman Estates)
1400 Gannon Dr # 1 Hoffman Estates, Illinois U.S.A.
  • Phone: 847-885-0700
  • Web:
  • Category: Banks

Harris Bank & Trust Excessive Overdraft Fee's & OTC Best Practice Unfairness Ripoff Hoffman Estates Illinois

*Consumer Suggestion: Overdraft Fee account

*Author of original report: Comment to suggestion and Update

*Consumer Comment: A Suggestion

*Consumer Comment: I agree

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I really hate going this route, but there is only one fo me to go around these days. Being disabled and working, means less time to fight for things that I shouldn't have lost in the first place due to deceptive corporations and their practices.

If these companies keep it up, us wage-earners will eventually stop using their services. Personally, I'm getting to be nickeled and dimed to poverty because our banking system is too expenive to use.

Complaint Description: (as posted with the BBB, and the OCC) Perhaps maximum exposure will provide 1% results.
I am growing dissatisfied with Harris's practices, customer service, and service escalation policies. I have spoken with a few representatives over the last few months trying to resolve my issues with them, and feel that I am no longer willing to accept their snooty behavior.

They wont even look me in the eye when they say there is nothing they can do.

I strongly feel that their batch-debit processing of transactions are not adhereing
uniformly to the OTC "Best Practises" Guidelines.

Being a disabled worker, money is very tight, and inconsistant overdraft fees taken out for what seems to be random at times causes an unjust financial hardship upon me.

In the past I applied for overdraft protection since the end of the month seems to cause havoc once in a while, I was denied by harris, even though I own my own place and get paid regularly.

Instead of allowing me even $250 a month in OD protection, they are taking at least $100 away from my living expenses, this in turn makes the upcomming months harder and harder. I often find myself skipping meals to make up for it.

Your Desired Resolution:
At this time, I would like to request both a refund in eronous overdraft fees, in addition to a $250 OD protection.

I chose Harris because of their perceived commitment to the disabled community and home ownership charties, but it seems they only do these deeds to "Look Good" in the public eye.

I'm open to anyone's further direction on this case. Seeking a lawyer always seems out of reach because of lack of funds & Time. I had to take today and possibly tomorrw off of work because I can't afford to get there with a negative balance in my account.

As the banks keep robbing us, we will in turn have less and less which may lead to unemployment because now we can't even afford to transport ourselves to work because of their short-sightedness.

I know its hard for low income earners, but imagine how us disabled get by? In the end, I have been putting off doctor visits, medicine, and xrays because I can't even afford the co-pays on my already tight budget that the banks think they can continually snipe out of our hands.

If this crap doesn't get resolved soon, I may resort to buying a safe, and storing cash in the house rather than dealing with the Corrupt Banking Systems in this country.

Hoffman Estates, Illinois

This report was posted on Ripoff Report on 11/27/2006 12:54 PM and is a permanent record located here: http://www.ripoffreport.com/reports/harris-bank-trust-hoffman-estates/hoffman-estates-illinois-60169/harris-bank-trust-excessive-overdraft-fees-otc-best-practice-unfairness-ripoff-hoffma-222423. 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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Updates & Rebuttals

#1 Consumer Suggestion

Overdraft Fee account

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

I saw your report and I feel for you. I got charged over $300 multiple times at my old bank because I would make a series of purchases without realizing I was over on my account. After a lot of searching I actually stumbled onto this website.


It's a checking account that charges a flat $19.95 a month but then you don't pay any overdraft fees. It's saved me multiple times and I thought it could help you out. When I first got the account I was pretty skeptical so I tested it and sure enough, no charge.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#2 Author of original report

Comment to suggestion and Update

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

I would have kept it as a savings account, except they wouldn't issue me a debit card for purchases.

Part of my challenge is handwriting, something as basic as writing checks is very tiring. For my house loan and credit cards I use a check program to print the checks for me.

In the past I have had credit problems but only because I would get stuck with an eronious doctor bills (those that take advantage of the disabled).

I'm trying so hard to participate in society with work and duty, its just that when banks could care less about their customers and would rather bankrupt us for their fees, I start to have problems.

If anything I have learned today its that EMPATHY and bankers who say they support the community, are really just cowards and need to horde money for their perceived position in power.
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#3 Consumer Comment

A Suggestion

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

My wife worked as a manager, for 16 years, at a local credit union, until they spent 8 months harassing her into quitting. They were getting rid of all the old timers and bringing in all the newbies, at less then half the cost. So be it. Now a certain segment of our society doesn't trust banks or credit unions, with good cause. Now one of the "service centers", now called "profit centers" where she worked, was in an area where there are many older folks who were retired and others who receive some type of gov. assistance. Because of gov. regulations, those folks have to have direct deposit, "MAKE IT" INTO A SAVINGS ACCOUNT.

From the first to the fifth, hundreds, thousands would show up, the city would bus them in from the retirement homes and the projects. They would get 5 or 10 or 15 money orders, for whatever they needed and then withdrawl ALL BUT $5 out of their SAVINGS account. The rest, they'd take home and stash under the mattress or where ever. NO FEES, NO NSF's. The credit union hated these type of folks because they absolutely made NO money off them. What does that tell you? One last note. Many of those check cashing places sell money orders for 49 to 79 cents on up, depending on the amount of the MO. The banks and CU's sell them for 2 to 5 dollars. Talk about a rip.
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#4 Consumer Comment

I agree

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

I think that all bank charge very excessive fees, we have a child in daycare and cant afford to pay ANY of our credit cards so every $10-$40 fee kills us, especially at the end of the month when rent it due. A couple of months ago I was so sick and I had to go to the Dr. we had a $30 co-pay and our account was already in the negative, so it cost me $65 to go to the doctor and then I couldn't even fill my prescription. It is getting really sad. If I wasn't worried about spending all the money I would be right with you, a safe.
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