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26, Report #354915
Jul 23 2008
06:51 PM
IONLINEORDER.COM VISA CHARGE 7-15-08 WITH NO PURCHASE BY US Unknown Illinois
My elderly mother received a charge of $149.97 on her VISA credit card issued through CHASE and SW Airlines on 7/15/08. We know she never ordered anything from this company. I called the 800 number, but there was no such number in IL. Fortunately, the same amount was credited on 7/16/08, which was the following day. TOO STRANGE! I am notifying the Attorney General of New Mexico about this company's internet practices because had this company NOT reversed the charges, we would be in the same position as the other people who have filed complaints about this company. I guess this site has to do with teeth whitening product, so I am filing it as such. Being a lawyer, I suggest EVERYONE NOTIFY your state's Attorney General, Internet Fraud Department to track down this violation of Intellectual Property Laws. Flopat ALBUQUERQUE, New MexicoU.S.A.
Entity: Unknown, Illinois
27, Report #676580
Dec 29 2010
04:52 PM
Nakeyi Shoes www.uggcentre.com sold fake Uggs to us. unknown, Internet
My wife bought some Uggs boots through this web site: www.uggcentre.com. She initially placed the order 12/10/10 and received them 12/28/10 after being told they would be here in time for Christmas. We have emails to confirm this communication. Then, upon opening the package carefully yesterday (it was wrapped completely in bands of a yellowish opaque packing tape) four obvious fake pairs of Uggs were haphazardly placed inside the bottoms of four boxes w/ no lids, rather, two bottoms were used as lids. They were at least a 1/2 size smaller than the stamped size and the stitching was bad. The "fur" is like that on a kid's plush toy. After comparing them to older pairs my wife and daughter have and reviewing this possibility on the official Uggs website: Ugg Australia.com (the Ugg Icon appears next to the web address in the browser) we realized we'd been had by a forger. As the old saying goes: "If it sounds too good to be true, it probably is." The price for the four pairs was around $360 and change, about 1/2 what a true pair costs. Now the web site is down and no return information was packaged w/ the boots. We did call our VISA card, though, and they said numerous claims were already being processed regarding this company so "get in line....." VISA!!!! Shame on you for aiding such a pervasive fraud! Uggs reported a LONG list of fraud sites on their web site so how can VISA grant so many accounts w/o vetting them first?!?!?!?!?
Entity: unknown, Internet
28, Report #1345870
Dec 27 2016
11:17 AM
hobbies discount https://hobbiesdiscount.net/pages/contact-us have not received order from Nov. 27 unknown unknown
I ordered 4 remote controlled ballons on Nov. 24,2016. I received confirmation and notice of shipment Nov. 27th. I have yet to receive my order # 63505.
Entity:
29, Report #1272009
Dec 04 2015
09:15 AM
US Health Advisors Constant calls, when I ask them to remove us from their calling list they hang up. Unknown Unknown
This company, US Health Advisors continues to make calls to us even though they know we are annoyed and want them to stop. I do not have physical address or internet address or even a phone number.  When I asked them to remove us from their call list the woman hangs up on me - it's the same women who makes all the calls to us.
Entity: nationwide
30, Report #292330
Dec 17 2007
05:50 PM
Orchard Bank Unknown charge of $119.99 from TLG*JUSTFORME
I was charged twice for $119.99 from TLG*JUSTFORME. I have no idea where this charge came from. I called Orchard Bank's and filed a dispute on 12/17/07 and they informed me that it would take 1-2 billing cycles to reverse the charges. They told me that this charge stemmed from a check that was sent out, that apparently when you sign and cash and it automatically signs you up for some monthly fee, for what, i dont know. They disguise these checks are either overpayments or as rewards points style of getting money back, but it's all a scam. I'm going to keep on these guys until i get my money back. This is a cheap blow for people to do things like this. Tyler Sunnyvale, CaliforniaU.S.A.
Entity: Nationwide
31, Report #94542
Jun 11 2004
02:19 PM
Simple Escapes, Household Bank ripoff! Connecticut
I had this happen to me today actually. I noticed a charge on my credit card for 12.95 dated a few days ago. I contacted the 800 number that was listed and I got customer service. I asked why this charge was on my card and the rep told me that it was because I redeemed a 10 voucher from my credit card company, Household Bank. I told her that was quite funny because Im actually in Spain at the moment so there was no way possible that I cashed any voucher in. Then she went on to say what the benefits to having this service was, that Id save money shopping at various stores..and I said again... Well, Im in Spain so I dont reckon Ill be shopping at any of those stores any time soon. Ive been in Spain for 7 months as a matter of fact. The rep was polite and she stated shed cancel the service and reimburse me. I just hope that happens! Lori west springfield, MassachusettsU.S.A.
Entity: Unknown, Connecticut
32, Report #1117659
Jan 22 2014
01:19 PM
Wochovia Bank W.C. Processing Criminal Charges if not paid Unknown California
Normally I can spot a scam a mile away. This one got me! Thankfully it was only 50.00. Heres how it went. I recieved a bill stating that I owed Wochovia bank money from an old account.( I had opened the account 8 years ago had never recieved checks, debit card, anything other than some letter in the mail saying some how I had opened this account. ) That I owed close to 800.00 bucks. I set it aside to deal with. I then get this call saying that I was going to be charged with Felony Bank Fraud if I didn't pay 417. I panic'd I was set up on a payment plan. Paid my inital 50.00 payment and told that I would get an email to sign and send back. Well after not getting the email I called back they had spelt my email wrong. So the man claims he will send another to a correct account. Still have not recieved email. However on the news they talk about scam. OUCH!!
Entity: Select State/Province
33, Report #1266573
Nov 08 2015
08:11 AM
Click Bank CLKBank, CLKBANK*COM Scam, money launderer, identity theft, Unknown Internet
Was directed in an email to what I thought was a legitimate page for Ebay or Amazon requesting me to update my payment information. As soon as I did I realized I was in the wrong as the URL for the website I was in was wrong and reported my bank card information stolen and had my card # cancelled . Unfortunately, these crooks had already withdrawn some 147 something dollars from my bank account and created numerous other overdraft charges to occur. 
Entity: Internet
34, Report #227503
Dec 28 2006
05:10 AM
SECRET CASH CARD STOLE MONEY FROM MY BANK ACCOUNT!! Unknown Rhode Island *EDitor's Suggestions on how to get your money back into your bank account!
Yesterday I went online to check my bank account and there was an unauthorized charge for $49.95 on there. When I contacted my bank, they said it was for Secret Cash Card and gave me a phone # to call 866-496-1799. This number doesnt allow you to speak to anyone, it simply directs you to their website and also gives you another # 401-228-9232, where an answering service will only tell you that you must go to the website and there are NO actual human beings there to speak to. I tried to do a search of this company on the internet but found no actual physical address. I filled out the online complaint form, only to be told that I DID authorize this transaction and they can give my my IP address and the time and date I authorized the transaction (the claim I was on a cash advace website and that is where they obtained my information). I would NEVER buy a pre-paid credit card- ever, and did NOT authorize these people to take my money. They refuse to refund my money, so I am going to print off the other articles I have found in regards to the same complaints for this same company and I am taking them to my bank. I am also going to contact the authorities in Rhode Island as well as filing a police report locally and I am going to contact the Attorney General and report this fraud. I suggest anyone who has had this happen to them to do the same thing. Do NOT let them take your money!! Erin dallas, TexasU.S.A. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO: Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E. According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days. If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges. Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent! DO NOT TAKE NO FOR AN ANSWER! Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get. And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state. Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth. If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form. CHARGES TO YOUR CREDIT CARD If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here. Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action. And good luck Let us know how you do! ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com EDitor@RipoffReport.com badbusinessbureau.com www.ripoffreport.com Don't let them get away with it. Make sure they make the Rip-off Report! We are not lawyers. We are not a collection agency. We are Consumer Advocates. ...the victims' advocate WE are Civil and Human Rights Activists We are a Worldwide Consumer Reporting News Agency ...by consumers, for consumers CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
Entity: Unknown, Rhode Island
35, Report #625988
Jul 22 2010
05:29 PM
First Protection Aid FIRST PROTECTION Telemarketing Insurance SCAM Using Victim Bank Info and Direct Bank Drafts Unknown, California
My mom in Escondido CA received a telemarketing call from a group calling themselves First Protection Aid. They were selling a medical insurance product which she said she did not want. During the course of the call the marketer extracted bank information from my mom using the verification of information trick - he convinced her that she had already signed up for the service and he needed the info to cancel it. Several days later a direct debit was charged to her bank account for $377. This took the form of an electronic check payable to First Protection Aid with complete magnetic bank routing and account number information and a guaranteed payment endorsement in place of her signature. The only clues that the check was fraudulent were that (a) her street address was misspelled (meaining that the information was gained over the phone and not from a physical check) and (b) the check number was completely out of sequence with her current check stock. Otherwise it looked good and the bank passed it. I found all this by pulling a copy of the check from online bank records for my mom's account. In addition the copy contained a telephone number: 888-430-2780. It also contained deposit instructions to MBank account #50506524 for the account of First Protection. I called the 888 number and spoke to a person named Mark who had a very heavy Indian or Middle Eastern accent. I asked what the charge was for and he said that my mom had purchased an insurance product. When I asked what the product was, he said that he only handled marketing and that the product was provided by the company. He refused to give any other verifying information and said he would look into why my mom had been charged, what she had been charged for and why no documentation had ever been sent to her. I of course don't expect to hear back from Mark. After further online research I found that the same company has been the subject of multiple complaints of direct, unauthorized charges for insurance products to accounts in California - always in the amount of $377 - starting in May 2010. The company also has complaints against it for earlier, similar direct charges involving telemarketing protection (Montana 2009) and computer firewall services using the name First Protection Aid. So, these guys have been around for some years - but they do like the amount $377. The number 888-430-2780 was last associated with a company called BB&A Properties VIII which offers rental properties and is based in Spokane Valley, WA (source: YellowPages.com reverse number search). While there is no obvious link between this company and First Protection Aid (and therefore no automatic presumption of involvement), that is the last available information for this number. There are several entities using the name MBank, but only one US entity was found and that bank is based in Gresham, OR, a suburb of Portland, OR. I did find the geographic proximity of the two locations (business and bank) to be interesting. We are in the process of attempting to recover her funds on the basis of fraud and have taken other protective measures to ensure that this does not happen again. This is a very slick scam designed to fool the elderly into either accepting a product that they do not want or, even if they state clearly that they do not want the product, to extract information from the victim sufficient to access their bank accounts. The goal is ALWAYS to get the bank information. The charges will NOT show up as Automated Clearing House (ACH) debits, which are easily identifiable. They will instead show up as REGULAR CHECKS, identifiable only by the fact that they will be out of sequence from existing check books currently in use. The only defense is to counsel your loved ones to NEVER give out banking or personal information to anyone they do not know. As we all know, that's easier said than done. I hope that this report helps to put this particular outfit out of the game, at least using this particular scam.
Entity: Unknown, California
36, Report #928403
Aug 16 2012
07:52 PM
fncb inc cross country bank informed debt from 2004 never had dealings with cross country bank told me i had identity problem but sure it is me. unknown, Pennsylvania
received phone call from lady attempt to collect debt. company formerly called cross country bank.  only told lady my name.  no idea who is this company or bank.  told her i had previously had another company try to scam me for a debt not mine. asked when this debt from she told me 2004 told her i was not person she looking for to the best of my knowledge,  and that the debt she is talking about is over statue of limitations.  she informed me it was my social she never verified info with me for this.  informed me new account to this fncb so new account.  they will collect i was informed.  asked her to send me info so i could see what she was talking about, she wanted me to give me info.  i will not do this.  told her if she knew it was me she had address, i was done with her and hung up. to the best of my knowledge this is not my debt.
Entity: unknown, Pennsylvania
37, Report #716882
Apr 12 2011
05:31 PM
US Cash Advance False allegations of cash advance default and fraud - threats of lawsuit and prison time. unknown, Other
I have been receiving phone calls from a man with an Indian accent claiming to be working for US Cash Advance. He has informed me that I took out a cash advance from his company (which I have never done - I have actually never even gotten a cash advance from any company in my life). He has been threatening me with lawsuits and even went as far as to say I have a warrant out for my arrest. I already know this is some kind of scam. I believe he got my information from companies who share their information with third parties. I am going to launch an investigation on my own dime to find out which company shared my information so I may proceed with appropriate legal action.I also have found the website for the legitamate company doing business as U$ Cash Advance. Their company in aware of the scam artists trying to rob people of their money using their good business name. Here is an excerpt from their website explaining their views and explainations on this matter:TELEPHONE COLLECTION SCAMUpdated 8/2010Receiving harassing telephone collection calls threatening Police or  legal action?Foreign sounding callers representing themselves as affiliated w/collection, law or government organizations collecting on a long past due payday loan?Not aware of owing any debt & they wont prove it?Our office in Florence, Kentucky has received inquiries from confused out of state callers (who have never done business with us, who have been receiving collection calls from an organization claiming to be working for us or a company whose name includes the words U.S. Cash or something similar. They mistakenly or fraudulently allege a balance is owed us, and apparently are engaging in illegal collection practices (as allowed under FDCPA; please Google Fair Debt Collection Practices Act for more info). Callers report they typically have foreign accents while using tactics   such as implying affiliation with legal or government authorities (use words like: Legal Dept., Federal Investigative Authority, Financial Infraction Dept., Cooper Law Firm). They refuse to provide any proof of the underlying debt, and finally demand outrageous payments be made to New York or Florida addresses to avoid legal or police action. Our legitimate brick-n-mortar payday loan company, doing business face to face only as U.$. Cash Advance here in Florence, Kentucky (a suburb of Cincinnati, OH) does not do business with residents of other states (certain qualified Cincinnati and SE Indiana residents excepted). Nor have we never done loans online or via the telephone. Therefore, no out of state accounts have been placed with any collection outfit by us. In rare situations, for our local customers whom we serve, we do find it necessary to employ a collection agency or attorney to enforce contractual agreements with our debtors. For the last several years we have only placed accounts with drs Bonded Collection Systems, a collection agency or Mason, Schilling & Mason, a legitimate collection law firm both located in the Greater Cincinnati area. Please be advised however, that there are other loan providers online or those who do business via the telephone (fax) with names sounding much like ours. Authorities have apparently received similar complaints of outrageous third party collection efforts regarding them. There are also online brokers who buy listing priorities for key words from internet search engines so that they can grab searches intended for legitimate loan companies so that they then can attempt to sell the lead. Some of these outfits are respectful & legitimate organizations and some are not. We have searched for our name and found fully functioning websites with our name & location listed along with 20 30 other local providers. They do not have permission to do this with us and the KY Attorney Generals office has tracked one such websites registrant to be domiciled in Russia, while operating from servers located in Shanghai. So.buyer beware always know who your giving information too: CFCO Financial, Inc. (the corporation who operates the 1 U.$. Cash Advance store in Florence, KY) has filed a victims complaint regarding this potential collections scam and the misuse of our companys good name with the following authorities: The Kentucky Department of Financial Institutions;The Kentucky Attorney Generals Office Division of Consumer Protection;The Greater Cincinnati Chapter of the Better Business Bureau; andThe Federal Trade Commission.If you are the recipient of harassing collection calls on a debt you do not know about, it is recommended that you too file a complaint against this third party collection organization with your local authorities, your States Attorney Generals Office, and the Federal Trade Commission. If your complaint involves internet phishing or other inappropriate online activities the FBI recommends filing an online abuse complaint via their tracking system at: https://complaint.ic3.gov/ctf.aspx These agencies will need the name, address and phone number of the person or collection organization which is attempting to enforce the fraudulent debt from you. The FTCs number is (877) 382-4357. Though we regret these fraudulent collection efforts have involved our company name, we can assure you that CFCO Financial, Inc. dba U.$. Cash Advance in Florence, Kentucky is not involved in anyway. PLEASE DO NOT CALL THE FLORENCE STORE THIS WEBSITE CONTAINS ALL CURRENTLY KNOWN INFORMATION REGARDING THIS MATTER Sincerely,Richard G. Porstner, President This is what I have been able to find thus far. To anyone out there who is currently undergoing harrassing phone calls regarding a debt you were not privy to and have never received, please file a report with the Federal Trade Commission immediately. Good Luck!
Entity: unknown, Select State/Province
38, Report #719967
Apr 20 2011
01:32 PM
Appointments R Us llc Appointmentsrusllc.com This company is A Scam and stole my hard earned money Unknown, Ohio
This Company placed an ad for work from home on Craigslist and I applied, I received an email from a woman who called herself Lynn, she told me she was very interested in getting me started right away, but I told her I had 1 condition, I needed to be paid via paypal because I live in Costa Rica and that I would not start working unless they could do that, she said yes, after 2 weeks of making them money, she tells me that they cannot pay me via paypal, that they can send me a check, it takes 1 week for the check to arrive here in Costa Rica and another 2-4 weeks before the check clears here at any bank.This means I would have to work another month on top of the 2 weeks I have been working, before I see a penny, I told her this and she didnt even care, she told me that I had to continue working  to recieve my pay,This company sets you up on purpose to keep your hard earned money. Not to mention it was a commission -only job.This woman called Lynn never gave me a last name, but I did get Her Human resources employee name and that was Hollie Strackhouse, she also had another person involved by the name of Nathaniel. Please be aware of these scam artist who like to make you work and then not pay you
Entity: Unknown, Ohio
39, Report #988551
Dec 29 2012
10:00 AM
clkbank.com making unarthorized debet to my bank account for unknown order Internet
Started to notice a charge on my bank statement in Nov, just thought it was something i had ordered off internet and would check it out when i had more time. Then the same charge showed up again this month and i never ordered from the internet lately so i know this is wrong.  Tried to call the 800 number listed and was told had to call back on weekdays to talk to a live person.   price.lea55@yahoo.com
Entity: , Internet
40, Report #1054003
May 26 2013
01:27 PM
saveace unknown bank deductions saveace.com internet
I was looking at my bank statement on line today and noticed that i had a deduction for mvq*saveace for 39.95 of which I didn't know who this was taking my money. I looked back several months and saw thia was taking place month over month and it dates back a while. I looked on line to try and find out who ths company was and found this site of many others that was ripped off by this company and had no knowledge they were stealing their money. I am really concerned seeing that I just changed my security code on my debit card. I am going to my Bank on Tuesday to get an underdsatnding of how long theyhave been stealing my money. I do remeber seeing in the past i just thought it was my Wife ordering on-line.I have already stoppeed future deductions by way of bank chat on-line. Any Ideas of the best way to recover the funds over a long term oversite?
Entity: saveace.com, Select State/Province
41, Report #1275805
Dec 22 2015
03:15 PM
basemethodsurvey.com Unknown secret shopper scam / fake checks / bank fraud  Internet
A company, known only by the domain basemethodsurvey.com sent me a letter that include what appears to be a legitimate check for $1899.55.  They claim that I can keep $350 of this money and use the rest to be a secret shopper for Walmart.  Walmart does not employ any secret shoppers.The real scam is that you're supposed to send them what leftover money you have after shopping.  Then when the check bounces you're on the hook for the whole amount.  Walmart has a warning about this type of scam on their website (corporate.walmart.com/privacy-security/fraud-alerts/), and the letter they show looks exactly like the one that I got, except they changed the domain name.I've contacted the registrar (tucows.com), but had no response back yet.  Beware basemethodsurvey.com.Joe
Entity: Internet
42, Report #1003725
Jan 26 2013
06:58 AM
US BANK US BANK Mortgage scams public Internet
THE KIRKENDALE CONSUMER NEWSLETTER January 2013 Dedicated.. to protecting consumers from being cheated by the American Banking industry WARNING Lack of Character and Ethics at U. S. Bank prompts new mortgage scams By William K (Author of The FICO Hoax)   Los Angeles California January 24, 2013..Watch out for scams and fraud at U. S. Bank.For all of you consumers out there who want to trust and rely on your bank to treat you fairly and honestly I have to warn you about U.S. Bank. They are becoming very untrustworthy and they have taken on the character and policies of the two sub-prime mortgage lenders, Washington Mutual and Countrywide Mortgage. Here is what I recently found out about them after I wrote my best-selling book about the sub- prime mortgage crises. (The FICO Hoax) U.S. Bank it appears did not engage in all the fraud and  chicanery of other banks during the housing bubble and sub-prime mortgage/financial crises. This is to their credit. Unfortunately, however, when they found out how much money they were leaving on the table by not scamming the public like all the other banks were doing they quickly dove headlong into changing their ways of doing business. This resulted in the mass hiring of former Washington mutual and Countrywide mortgage executives  to teach them how to cheat the public in their origination and underwriting of home mortgages. These two banks were, after all, the Giants of the mortgage fraud crises.  Heres what happened. When a person now applied for a mortgage with them they started to use the same bought and paid for phony biased credit reports and FICO  scores Wamu and Countrywide used to scam their customers. This was done by tying their exorbitant fees and high interest rates to these phony scores and inaccurate credit information. If they smelled an opportunity to cheat their applicants they would also quickly demand non-refundable application and appraisal fees plus gouge them with outrageous origination fees and higher than publicly advertised interest rate charges on their loan. In my case for example they went from a publicized rate of 3.2% to 5.3% The key to their scheme was their old standby fraud.bought and paid for credit reports and phony FICO scores. Their underwriters and loan officers then used these phony tools to scam the public just like they did during the sub-prime mortgage fraud crises. They used them as a way to intimidate their applicants into believing they had poor or no credit so either their loan would be denied or they would have to pay outrageous fees and artificially high interest rates. A nice scam that worked quite well for them. A small unwarranted increase in your interest rate, for example,  over the life of their loan could increase your total cost by over $100,000 in some instances. Not a bad scam when you multiply that figure by the tens of thousands of loans they were now underwriting  this way.. I dont make these charges lightly. I myself was recently scammed by these U.S. Bank people when I had applied for a refinance of my mortgage with them. Despite the fact that I had been a good customer of theirs with good credit for some time they nevertheless found a way to try and scam me for high fees and interest rates. FINALLY AFTER I COMPLAINED AND THREATENED TO EXPOSE THEM THEY DENIED MY LOAN ENTIRELYI had directed my complaints to the president of U.S. Bank Mr. Davis but to no avail. He just simply ignored mejust as all the other banks ignored people when they were ripping them off for billions of dollars during the height of the sub-prime mortgage crises scam. As a result therefore I feel obligated to publicize their scams and warn other people who might want to do business with them. For further information you can go to my website www.ficofraud.com or call me at (((REDACTED))) William K
Entity: Internet, Internet
43, Report #173378
Jan 26 2006
10:57 AM
US Bank ripoff Hillsboro Ohio
Oh my do I have a story for all anti-US Bank consumers... I've banked w/ US Bank for about 6 years and never had a problem until recently. My husband has been off work on short term disability and only receiving 60% of his pay, so money has been a little low and US Bank is exploiting my situation. It all started Dec 30th when I woke checked my bank account online (which I do 3-4 times a day)and saw that my husband's paycheck had been deposited and my balance was well over $1500. I let my husband know this before he left for work and on his way he filled his gas tank and took $ out of the ATM for lunch. At 9AM, 3 hours later, I checked my balance to see two overdraft charges of $30 each. The bank had slipped his morning charges in front of his paycheck direct deposit. Had I not been closely monitoring my account, this could have had disasterous results. I called the 1-800# and after 45 minutes of explaining what happened I finally convinced a supervisor to refund the charges. No $ lost but a big waist of my day! Keep reading it gets better... Two weeks later similar situation- I realize I've forgotten to take a $15 check out of my check book and if it clears I will be assessed another fee. I promptly run to the ATM and deposit $25 cash(1-23-06). I go home check my account (remember I do this obsessively) and all is well. I wake up the next morning (01-24-06) to 2 fees of $34 each!!!??? I call the 1-800# and the CSR informs me that the deposit was not posted to the account until 01-24-06, the following business day, because I went to the ATM after 6 pm on 01-23-06. Of course, I already know that $100 of an ATM deposit is available immediately no matter what the posting day. ****keep in mind, my accnt balance was never negative, the fees were charged because of a neg. available balance (which wasn't even acurate)*** I ask to speak with a supervisor, I get LORI. She informs me that the fees can not be refunded because the ATM deposit was not made until 01-24-06 at 5PM?? Yes, apparently the supervisor forgot to discuss the situation w/ the employee. Of course we argue over the date of the deposit. Lori then informs me that I will need to take my ATM deposit receipt into a bank branch to provide proof of the date and time of the deposite because she will not refund these charges as US Bank was kind enough to reverse charges for me two weeks earlier. KIND ENOUGH? I began checking online to see if banks have an ethical code and come across another horrible practice of US Bank which gets me thinking. I took a closer look at my account to find the withdrawls listed form largest to smallest amounts, however, some of the charges occured days apart. If the bank had deducted the amounts in the order they were charged to the account, I would have received only 1 fee (That is if I had actually overdrawn my account-which I didn't). I'm confident I will receive a refund once I find the time to take my ATM receipt into the bank, but I'm appalled at this banks policies! Who is watching banks like this and how much money do they steal from the people who do not have the resources to check their account as frequently as I have? Banks and their employees should have ethical guidelines to follow that would protect consumers from this kind of theft! Molly Hillsboro, OhioU.S.A.
Entity: Hillsboro, Ohio
44, Report #134277
Mar 09 2005
12:57 AM
US BANK ripoff Minnesota
My experiance with US Bank has been that they have a vague availabilty schedule and even allowed me to overdraw funds from US Bank ATM with a debit... I had made a deposit in one account and withdrew from what I believed to be the account I had just made the deposit in....instead the debit occured from a secondary account that did not have funds available....rather than the ATM denying me the debit I was overdrawn by 40 dollars....confused I made a deposit back into the account with the teller who was also baffled and when I called the 800 I was informed it is a courtesy to the customers to allow them to have the transaction completed....how is it a courtesy to overdraw you....plus a cash deposit after 5 pm will not be credited to your account until the next day....but I read a Regulation CC stating that cash is available immediatly...US Bank does this to overdraw checks pending to clear that night by holding your cash until the next night....well all I have to say is that if in doubt shout out a five star service guarentee...when you wait more than 5 minutes in line...an ATM is down....telpone banking or internet is down and afew other things occurs they will credit you 5 dollars....enough of those and maybe we can recoup on our losses and by the way I read this article below.....I cant wait till it happens and Walmart squeeeeeeeeeeezes them like they do us...it will be funny to see the big guy get beat up for once! National Bank of Wal-Mart Wal-Mart already offers money-transfer and check-cashing services. The next step is full-on banking. The financial services industry is terrified, but consumers might benefit. By Liz Pulliam Weston Wal-Mart has a reputation for squeezing out Mom-and-Pop stores and other low-margin businesses, like unionized grocers. But imagine for a moment if the world's biggest retailer put the pricing squeeze on one of the world's more profitable businesses: financial services. Who would pay the price? Perhaps: Mortgage lenders who surprise their borrowers with last-minute junk fees. Banks that nickel and dime their small account holders to death. Auto lenders who add discriminatory surcharges on loans to black and Hispanic buyers. Credit card companies that use every excuse to jack up rates. Check cashers and payday lenders that levy usurious charges on their customers. Wal-Mart's relentless push for ever-lower prices has revolutionized retailing and is sometimes even credited for helping to keep U.S. inflation low. It's not hard to make the leap into imagining the retailer bringing similar price discipline to an industry grown fat on escalating rates and fees. (Fee income now comprises half of banks' total income, according to investment banker R.K. Hammer.) Organized opposition You can say I'm a dreamer, but I'm not the only one. Many banking experts predict that Wal-Mart will eventually break into the business -- despite determined opposition from the U.S. banking industry. Wal-Mart's been cut off at the pass several times so far, including once in 1999 when it tried to buy an Oklahoma bank and more recently in its attempts to buy a California industrial loan corporation. Get organized with Microsoft Money 2005. Order it now. The banking community's opinion was that the world as we knew it would come to an end if Wal-Mart were allowed to buy the savings bank, said banking analyst Bert Ely, who well remembers the 1999 tempest. There was strong, strong, strong opposition. Other retailers, including Nordstrom and Target, have purchased banks without creating nearly the fuss that Wal-Mart's involvement generates. But those chains don't have nearly the scope or the economic muscle that Wal-Mart flexes. A different customer base They also don't cater to quite the same population. Wal-Mart customer's average incomes are below the national average, while Target's are above -- and Nordstrom's, well above. Some analysts estimate that more than one-fifth of Wal-Mart's customers have no bank accounts, which would be about twice the national rate, according to the Federal Reserve. Wal-Mart National Bank could bring these customers into the banking fold, offering them affordable bank accounts, credit cards and mortgage loans. It could turn out to be a good thing for consumers, said consumer advocate Linda Sherry, editorial director for Consumer Action, especially the unbanked or those who are suspicious of banks. It's a pretty big market and one that Wal-Mart has already started to tap. The retailer began offering money orders three years ago and has since added payroll check-cashing and money-transfer services. Today, the company's 3,066 stores and supercenters process about a million financial transactions a week. The prices are predictably cheap: A wire transfer to Mexico costs less than $10, compared to $14.99 at Western Union. Money orders are less than 50 cents, compared to a buck or more at many banks. Checks are cashed for $3, and customers aren't unknowingly steered into short-term loans at 300% to 1,300% interest rates, as happens at some unethical check-cashing outlets. Wal-Mart doesn't have the check-cashers shaking in their boots -- at least not yet. For one thing, the check-cashers have Wal-Mart outnumbered, with more than 11,000 outlets cashing $55 billion in checks annually, according to the Financial Service Centers of America, a trade group representing the industry. Likewise, Western Union has far more offices abroad -- 196,000 agents in 190 countries -- than MoneyGram International, the money-transfer service Wal-Mart chose as its partner and which trails with 75,000 agents in 170 countries. MoneyGram has about 10% of the estimated $65 billion that flows out of the U.S. in money orders, estimates Aite Group of Boston, while Western Union has 22%. How many branches? Wal-Mart's record on installing branches of partner banks in its stores also seems somewhat tentative, Ely said, with only one-third of the stores offering full-service banking. Banks have recently rediscovered the fact that customers like to have convenient branches, and Ely wonders if many would be willing to drive to their local Wal-Mart even if every store had a branch. I'm not convinced (Wal-Mart) would have sufficient branch density, he said, that it would be attractive enough for customers to do their banking there. But Ely acknowledges that Wal-Mart could solve the problem with numerous, well-placed ATMs in surrounding communities. The retailer also could be using its relatively low-key partnerships with financial services companies to study the business before making its own, branded push into banking. Just look at its Web site if you want to see its intentions, Ely said, quoting from exactly that source: 'A trusted name in financial services.' Of course, Wal-Mart National Bank wouldn't stop at providing checking accounts for the poor. The retailer already has introduced a no-fee, 1% cash-back Discover Card for its better-heeled clientele, and if the company did accept deposits, it would need to invest the money somewhere -- perhaps in mortgages and auto loans. That, again, could benefit consumers. I won't say that Wal-Mart is assuredly more ethical than mortgage lenders who thrive on junk fees or auto lenders who charge minorities hundreds of dollars more for loans than whites with similar credit scores. The retailer's vehement anti-union stance and its policies regarding pay and benefits should give anyone pause. But its singular focus on delivering always low prices to its customers could provide a much-needed shock to financial-service companies who have feasted on customers' pocketbooks for far too long. David Las Vegas, NevadaU.S.A.
Entity: Minnesota
45, Report #165604
Nov 22 2005
06:45 PM
US Bank ripoff Clarksville Tennessee
It's been 3 years or more since my troubles with this company--and I feel the need to say after all this time how mad I still am. ( Can I sue for emotional stress?) Mostly I come back here to view the recent complaints and hope onday someone will do something. You'd think they'd run out of customers or change thier name by now. I feel for those still that don't have a clue or will have thier up-coming holidays Destroyed by the lack of morals by this bank. I'm SICK AND TIRED of people on here trying to defend this bank!!!!!! OPEN an account----I DARE YOU! They have manged to shut down 5starscrewed 's website--but there are SO many more. It makes me sick. Anyway, Just wanted to say I feel your pain, and your not alone. Jennifer clarksville, TennesseeU.S.A.
Entity: Clarksville, Tennessee
46, Report #145490
Jun 08 2005
02:45 PM
US Bank ripoff Portland Oregon
I had the same thing happen to me with US Bank several times on overdraft charges. They charge $39 per charge, this is crazy. I had one check clear that caused several small ones to bounce, which was almost $300 in fees!! When I complained they said they always out the largest check in first, the largest check caused my account to be $1.81 overdrawn without the fees. I tried to get my overdraft charges reversed but they would only reverse 2 after much argument because they said it was their policy to put in the largest check first. I am soo mad!!! I would love to be part of a class action lawsuit. Count me in. Stacy West Linn, OregonU.S.A.
Entity: Portland, Oregon
47, Report #262007
Jul 19 2007
11:24 PM
US BANK ripoff COMPTON Nationwide
US BANK is a ripoff because of their ethics, for instance loans, mortgages, and management. Why does US BANK take advantage of poor people in relation to overdraft fees and other fees to be continued Chayo APPLE VALLEY, CaliforniaU.S.A.
Entity: Nationwide
48, Report #85975
Mar 30 2004
03:17 PM
US Bank ripoff Redding California
I read an entry very similar to mine. He had deposited checks in his account, his account never went in the red online, however, they held his funds as unavailable even though he had deposited them in person, and he ended up bouncing all kinds of checks that night and the next day. This similar situation happened to me. I had deposited $3000. Online, my account never went in the red, I always had the $3000 plus whatever else I had in there as available funds. I continued to use the funds I had over the $3000. They held the $3000 for 2 weeks, then I wrote a check for $3000 to someone, and their bank tried to cash it, but since my bank had a hold on it, it was unsufficient funds and I was charged a $32 fee. This snowballed into me bouncing another check and before I knew it I had a call from a business saying they were calling the DA if I didn't pay my for my bounced check. I was appalled. Online, I had enough money to cover my check, plus the $3000, but since my stupid bank charged me the $32 fee (for funds that were there, just on hold) I had to pay $64 in fees plus the business charged me their own service fee, and US Bank did absolutely nothing to help me out or refund the fee. I immediately closed my account and I tell everyone I talk to not to go there, they care more about making their $32 fees than keeping a customer happy. Nicole Redding, CaliforniaU.S.A.
Entity: Redding, California
49, Report #71289
Nov 07 2003
12:51 PM
Us Bank ripoff Minnesota Minnesota
wow. i felt like i was the only one. my experience is similiar to grace's. my statement showed i had a balance in my checking acct yet i was slammed w/ a total of 5 overdraft charges at $30 each. i went to my branch here in my hometown and was told the reason was due to their policy of holding deposits which was effective nov 2002. so even though i had made the same deposit everyday for years it had to be held to make sure it was good. i asked the teller how much i would have to deposit to avoid further charges and was told the amt. i put in a litte bit more just to be on the safe side. i went home and returned within 10 minutes and went thru the drive-thru teller and was told it would be posted immediately. well. i was charged 2 more overdraft charges. i should have went to my branch and complained but i was so upset i chose to do it thru email. what a mistake. they did nothing for me except keep referring me to their policy. when i went in to close my acct i was asked why and told them. the gentlemen was very nice and tried to reverse the charges but was unable to due to being locked out from the head office. his mgr said she would reverse the charges if i kept my acct w/ them but i had already opened another one w/ another bank and am very very happy with them. thank u for posting the info on this website. it is very helpful Connie cornelius, OregonU.S.A.
Entity: Minnesota
50, Report #187597
Apr 19 2006
09:39 PM
US Bank ripoff Renton Washington
US Bank has ripped me off way too many times now. I have always given in to their its policy and you were informed rhetoric, but this time I will not. They seem to hit me with overdraft fees at their convenience. Why do they approve some charges and reject others? Why do they hold onto charges longer than others? What really pisses me off is that most of these fees and charges I get charged are because of wrong information from US Bank representatives. When I am told one thing, the next rep tells me maybe the system wasn't updated, maybe I misunderstood...they even gave me the excuse of we don't see documentation that you called. There was an incident not too long ago in which US Bank HAD to reverse almost $300 in overdraft fees to me. Since then, every customer service rep that pulls up my account never forgets to remind me that we have given you more than enough courtesy reversals. First of all, US Bank doesn't know what courtesy means. Secondly, they were bank errors and merchant errors, so every penny of those reversals were justified. It is all a game and I am happy to say that I have found a small local bank in my area that will be getting my business. Katie Seattle, WashingtonU.S.A.
Entity: Renton, Washington

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