U.S. Bank internet banking is Garbage, US Bank will Manipulate time to make make profits!! Internet

Ok, obviously we can't see your bank account, but you said "Last Friday the 18th I made 2 deposits. Account transfers so funds were Avail the same day". 

So were they deposits or transfers from one USBank account to another??? That makes a big difference in terms of funds availability.

Windigo,

You're accusing USB of manipulating the records so your account will be forced into overdraft. I understand that. (It's sad that you think that, but I understand it.) So, you're saying that USB is committing gross fraud every day, potentially with millions of people's accounts, and you're the only person brave enough and/or intelligent enough to point out this grave injustice? You do realize that banks' records' are routinely audited by the government, right?  

Well, that's fine, but I believe you said "...we stopped to get a few things to eat and I over drafted my account by 8 or 9 dollars..." That being said, who is really "manipulating" your account into an overdraft status?

it shouldn't be surprising that many customers are experiencing problems with their bank accounts, right?

I am the law again shows his ignorance.. anyway.

..in a sense..and, they are already defendants in a class action lawsuit because of  this, and other tactics used to fleece customers financially due to any customer errors, or any overdrafts that may have been caused regardless of customers register accuracy, such as unknown/unauthorized merchant holds and charges, as well as posting/processing times.

Whether any of this is/was actually legal or not WILL be decided by the courts, not any of us..but I believe it doesn't take that much brains to see there is something to this complaint. As a matter of fact, if you haven't yet received notice, there are already law changes that are at least addressing part of the issue. There is more to go but exposure and complaints is a good first step.

Some bank defenders will argue some rubbish about signing contracts and "terms and conditions", but what they will FAIL to mention..is there are contract laws in the USA that void a contract or make in unenforceable. Such as if anything illegal is in the contract, if any "element of unconscionability" is in the terms, if there was any "lack of good faith", consideration, meeting of the minds, "manifestly unfair",test of reasonableness which deals with whether the customer had the bargaining power to negotiate better terms etc..I could go on and on since I actually researched a little on contract law, and have a room mate who happens to be a UCLA law student. I think I can state this with a degree of merit.so any debate here? I got plenty more left.

Oh, and read this...

MIAMI--(EON: Enhanced Online News)--Marking a substantial step forward in litigation over the banking industrys abusive and excessive overdraft fee policies and practices, plaintiffs' counsel announced that bank customers have filed a series of nationwide class action lawsuits against Bank of America, Wachovia, U.S. Bank, JPMorgan Chase, Citibank and others. The complaints were filed in the United States District Court for the Southern District of Florida in Miami, where all federal lawsuits brought against the banking industry for abusive overdraft fees have been coordinated before the Honorable James Lawrence King.

    The collection of excessive overdraft fees, usually around $35 per transaction, impacts millions of Americans each year and has become a multibillion-dollar profit center for the banks

"The collection of excessive overdraft fees, usually around $35 per transaction, impacts millions of Americans each year and has become a multibillion-dollar profit center for the banks," explained lead plaintiffs counsel Bruce S. Rogow. "In many instances, these overdraft fees cost customers hundreds of dollars in a matter of days, or even hours, when they may be overdrawn by only a few dollars. Charging a $35 overdraft fee when a college student uses her debit card to buy a cup of coffee is unconscionable."

How Bank "Overdraft Protection" Works and Why the Abusive Collection of Overdraft Fees is a National Concern

Today, when customers open checking accounts, banks provide debit cards for the withdrawal of cash from ATM machines and the purchase of goods and services. Many bank customers are not aware that as part of the process of obtaining the debit card, banks automatically enroll their customers in "overdraft protection." The overdraft protection kicks in if the customer spends more than he or she has in the account to cover the purchase, up to a limit of a few hundred dollars.

Banks could simply decline to honor customer ATM or point-of-sale transactions if the account lacks sufficient funds, or could warn customers that if they go through with the transaction an overdraft fee will be assessed. In fact, until a few years ago, most banks simply declined debit transactions that would overdraw an account.

"Banks do not record charges and purchases on ATM or debit cards in the order they actually occur," stated plaintiffs counsel Michael W. Sobol of Lieff Cabraser Heimann & Bernstein, LLP. "Instead, banks reorder the charges and purchases so that the largest charge or purchase is the first one paid by the bank. This manipulative practice is intentionally designed, the complaints allege, to maximize overdraft fee revenue."

In 2007, banks collected more than $17 billion in overdraft fees. That number nearly doubled in 2008, as more and more consumers struggled to maintain positive checking account balances. In 2009, banks are expected to bring in up to $40 billion in overdraft charges from nearly 50 million customers.

"While all bank customers have been affected, these overdraft fee policies disproportionately affect young people, the elderly and the poor, who are most likely to maintain low account balances," noted Mr. Rogow. "Moreover, these fees have the tendency to create a domino effect, resulting in even more fees."

Further Information for Bank Customers

Bank customers assessed overdraft fees who wish to learn more about this litigation should visit (((Redacted))) where they can submit their complaint to plaintiffs counsel.
Contacts

(((Redacted)))

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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.

So when the bank manipulates time, do they do it like Superman did in the movies by flying around the planet really, really fast?

Your ROR is way too lengthy. You could eliminate every single word except for these...

"Later that night(after midnight) we stopped to get a few things to eat and I over drafted my account by 8 or 9 dollars".

These are your own words.

Bottom line: You admit that you overdrafted. You got a fee. You have no case. Take responsibility for your mistakes.

is available at the WELLS FARGO page of this site. (It appears in the comments section.)

if you don't like what they did to you, and you can prove that beyond a shadow of a doubt that they altered banking reality then why don't you just take them to court and exercise your rights as an american citizen for god's sake. There is nothing in US Bank policy saying that you can't.

it is because no one thinks you complaint is worth their time?
OR
they don't think you have the intelligence to listen anyway?

Looks like when you put US bank on blast nobody has anything to say..lol!! Where are all the people that like to login and post rebuttals about how stupid we as consumers must be for NOT keeping accurate records??? Fact is this bank and many others employ criminal-like tactics for profit! I dare anyone to say otherwise as I have watched this happen many times over. Because I have the money and the time, I've set up situations that would cause NSF's just to see if they(US Bank) follow their own policies as stated in the account contract and they don't. Best believe I'm keeping records for the imminent lawsuit that looms around the corner for this bank. I plan to collect accordingly..:-)