Complaint Review: US Bank - Loomis California
- US Bank 3700 Taylor Rd Loomis, California USA
- Phone: (916) 652-5868
- Web: usbank.com
- Category: Banks
US Bank Matt - Manager US Bank steals money with overdraft fees Loomis California
*Consumer Comment: Reply to team rebuttal y'all may think that y'all are helping these criminal felony banks out by harassing the op but you are actually helping people make their decision not to do business with them
*Consumer Comment: Since
*Consumer Comment: Stop shooting yourself in the foot
*Author of original report: I will get my money
*Consumer Comment: Why Do You Keep Responding?
*Author of original report: Now it's guilt
*Author of original report: Being Judged
*Consumer Comment: You're Welcome??
*Author of original report: Thanks but no thanks
*Consumer Comment: That's right
*Author of original report: Your solution.
*Author of original report: Entitlement
*Author of original report: I can do math
*Consumer Comment: No, You Victimized Yourself
*Author of original report: The disposition of this case will be decided by the FTC and other trusted parties.
*Consumer Comment: A better solution
*Consumer Comment: I Don't Think So
US Bank Loomis and nation wide are engauging in theft through overdraft fees. The system has been exposed, and recoridings have been made and submitted to fedearl authories documenting the US Bank theft system. Poor people are targeted for overdaft fees by reporting higher than actual balabnces.
This report was posted on Ripoff Report on 08/16/2017 10:30 AM and is a permanent record located here: https://www.ripoffreport.com/reports/us-bank/loomis-california-95650/us-bank-matt-manager-us-bank-steals-money-with-overdraft-fees-loomis-california-1393161. 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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#17 Consumer Comment
Reply to team rebuttal y'all may think that y'all are helping these criminal felony banks out by harassing the op but you are actually helping people make their decision not to do business with them
AUTHOR: Anonymous - (United States)
SUBMITTED: Thursday, November 02, 2017
Team rebuttal thinks they are helping these sorry bad businesses by harassing and attacking the op. But they have helped me save lots of grief by not doing business with the reporting companies because of how they treat the op. Its team rebuttal who are the ones shooting themselves in the foot.
#16 Consumer Comment
Since
AUTHOR: Robert - (USA)
SUBMITTED: Thursday, August 17, 2017
Since you continue to post, how about posting something useful.
Post the details of specific situation(s) where you were charged overdraft fees when you don't think you should have been. Be sure to include all of the detail about the situation and the reason9s) why you don't think you should have been charged.
If you even had screen shots(with personal information removed) you could post you could then shut us up once and for all with all of your "proof". While you are at it, perhaps you could tell us the total amount of overdraft fees you have had to pay in the last couple of years.
Then one other thing for you to spin around your mind. If we were all "shills" for the banking industry would be be telling you how to AVOID the fees? Wouldn't our purpose have been better served by just letting you continue to bank the way you want? (Can't wait to hear your reasoning on this one).
#15 Consumer Comment
Stop shooting yourself in the foot
AUTHOR: coast - (USA)
SUBMITTED: Thursday, August 17, 2017
If a transaction would cause an account balance to drop below zero, the bank has the option of declining the transaction. That would incur an overdraft fee and may keep the resulting balance above zero. You can then claim the account did not overdraft but it still qualifies for an overdraft penalty.
You appear confused as to the difference between theft and penalties. You were assessed penalties due to account overdrafts. That’s not theft.
The online balance information does not reflect outstanding transactions. A current check register maintained by the account holder is always more accurate than the information provided online. You will continue to incur overdraft penalties until you exercise proper account management.
Your losses are self-inflicted. Failing to maintain a current check register is negligent.
#14 Author of original report
I will get my money
AUTHOR: - ()
SUBMITTED: Thursday, August 17, 2017
I will get my money. Make no mistake. Other people might think it is OK for me to stolen from, I do not. And to them I say, good luck. What is mine is mine, not yours. I reject your opinion, it is ignorant. I reject your attitude, it shows your contempt for doing the right thing. I reject your lables, they and you mean nothing to me. This is a forum to imform others of rip offs, you are just attacking me. Shame on you. I reject your guilt trips, your attacks and you. Good day sir.
#13 Consumer Comment
Why Do You Keep Responding?
AUTHOR: Jim - (USA)
SUBMITTED: Wednesday, August 16, 2017
Clearly you learned nothing and you still think you have something to prove. It's not rational to keep responding. Just walk away. The bank has your money and you're not getting it back. Just walk away.
BTW, you don't have to show a negative balance onlne in order to incur an overdraft fee.... When you see the paper statement, the negative will be there....and so will the fee.
#12 Author of original report
Now it's guilt
AUTHOR: - ()
SUBMITTED: Wednesday, August 16, 2017
You must be GOD. I have no guilt. Judge away, I welcome it. Your vile depictions of me and my character will suffice as my evidence.
#11 Author of original report
Being Judged
AUTHOR: - ()
SUBMITTED: Wednesday, August 16, 2017
Go ahead and judge, any rational human being can read exaclty how you are. You mean nothing to me. At the end of the day, I will get my money, and you will have nothing. Good day sir.
#10 Author of original report
Thanks but no thanks
AUTHOR: - ()
SUBMITTED: Wednesday, August 16, 2017
Your assumtions are wrong. And trying to make it sound like I am something I am not is decietful. All your 'probablys' demostrate your ignorant and assumtive viewpoint. And smacks of passive agressive behavior with the intent to put me on the defensive. And yes, read the posts, it was stated I should not check m balance all the time. The reason there is a problem is that my account was NEVER overdrawn. I know this because I check it, like someone who is looking out for thier money. Clearly you want me to agree that taking my money is OK. Keep banking there, or where ever. I hope you have the same kind of expeience some day, and when you do don't come crying to me. Thanks for judging me without knowing the facts and being a shill for the banking world. I wish you luck sir, with close mined accusing elitinst viewpoint like yours, you might find it useful. Again, NEVER OVERDRAWN. I respect your opinion, but think you are just plain wrong. Since you dont even know me, your charitarization of me shows everyone the wicked deviouness of your mind. I am trying not to get ripped off. You are attacking me personally. Way to go. And nice try.
#9 Consumer Comment
You're Welcome??
AUTHOR: Jim - (USA)
SUBMITTED: Wednesday, August 16, 2017
If you feel condescended on - well, that's on you. If you don't like being judged, then perhaps coming to a public website where people can and will respond to your specious complaints probably wasn't the best idea. The worst part - at least for you - is that you admit your guilt (no written register and you depend only on online balances) without even knowing you've done so, and then lash out when you don't like the response. You spelled out exactly why it happened. No guessing or speculating is required.
Seriously, go to your bank and ask for some help. They will help and teach you; that's what they're supposed to do. A lot of people are not financially literate, and it's not something to be ashamed of. School teaches you math, but financial literacy has nothing to do with math. It has more to do with bookeeping than math. It's understanding the ramifications of using a debit card and the relationship between merchants and banks. It's knowing when to use a debit card, and when not to. It's understanding credit scores, credit cards, and how to use both to your advantage. Being blessed (your term) has nothing to do with having $$. Many people live paycheck to paycheck and don't overdraft because they understand. Many athletes make millions and they overdraft because they don't get it. It's knowing how to manage that which you have been given, or earned.
If you feel like closing your account and going elsewhere, fine. Just be sure after you open the next account, that you learn those things. Otherwise, the same thing will happen again.
#8 Consumer Comment
That's right
AUTHOR: Robert - (USA)
SUBMITTED: Wednesday, August 16, 2017
It is YOUR money...so why don't you do more to protect it?
We are not turning on you, we are telling you something that you don't want to hear...that you *gasp* could actually be wrong.
We could go back and forth, but in the end you are going to claim that you are right and you are not going to change. No skin off my back. You are going to say you have the smoking gun to bring down the entire banking system. You are going to say that unlike everyone else who has tried these same claims before(you really think you are the first?) you will follow this until your dying day and will prevail.
But years from now, you will not have learned a thing and continue to blame what ever bank you are currently at how they are so evil. Not realizing that perhaps it is really you and your responsibility for your money. One day you may figure it out, the question really is how many banks are you going to go through before you do.
As for you not even coming close to overdrafting. Yea..I bet your account went something like this.
You made several Deibt/ACH transactions and realized that you didn't have enough money in your account. Perhaps you were already negative when you looked online.
So you figured you would RUSH to the bank to deposit cash. I would not be surprised if you even tried doing this at the ATM at 11PM at night, figuring that was okay. However, because of how the transactions are posted the deposit was posted after all of the debits and you were hit with the overdraft fees.
Your "smoking gun" is probably their own statements or "screenshots" that show with the deposits and debits they don't ever go negative. And you are sitting there just laughing away at how they are giving you all of the evidence you need to bring them down.
Unfortunatly, the statements don't show the whole story. They don't show you the order of everything. They don't show the actual posting order hat put you into the negative before the deposit was credited.
Bet I hit this one out of the park...or at least a tripple.
No one ever said to STOP looking at your online balances. Just that you need to use it as a reference. I check mine several times a week but I don't rely on it.
No one is telling you what to spend your money on but if your expenses outpace your income that is not the fault of the bank.
Good Luck...
#7 Author of original report
Your solution.
AUTHOR: - ()
SUBMITTED: Wednesday, August 16, 2017
I respect your opinion, but I do not agree with it. I resent your implying I improperly handled the money in my account. The account was NEVER overdrawn. Not even close. Suggesting so is talking down to me and is also elitist, so thanks for that. It sure is funny how people who are blessed look down on others, and assume instantly they must have done something wrong, could not not do simple math. That they don't understand the agreement they signed. Thanks for that too. Maybe someday you will be able to see things from a different point of view, until then, thanks for judging me, and letting me know you don't think I deseve the money I earned, and dipite your assumption about about my financial acumen, hopefully you will find satisfaction by pointing out what you think I should do. On that I will keep my own council.
#6 Author of original report
Entitlement
AUTHOR: - ()
SUBMITTED: Wednesday, August 16, 2017
You also suggest I should stop checking my online balance? I will check it as often as I like, thank you. It is my money. Where do you get the idea that you have any say on what I do with my money? You have some kind of gall. And demonstrates exactly what I am talking about.
#5 Author of original report
I can do math
AUTHOR: - ()
SUBMITTED: Wednesday, August 16, 2017
I know how to do math. I know how to read. Thank you for your support of the banking sytem. You must benifit from it. Stockholder probably. It is sad when one citizen turns on another, and suggests they are ignorant, or stupid because they know right from wrong. Enjoy your money, and the sweet relationship with your banker.
#4 Consumer Comment
No, You Victimized Yourself
AUTHOR: Jim - (USA)
SUBMITTED: Wednesday, August 16, 2017
Plain and simple. Your account agreement is a written contractual obligation between you and the bank. The agreement says if you overdraft, the bank is obliged to charge you a fee for doing so. Courts have ruled the fees as legitimate which is why you won't get an answer from the FTC or any other agency overseeing the banking industry. Also, stop checking online for your balance. You might then ask, why doesn the bank provide the online information in the first place. The answer is that the bank provides you a listing of your transactions for you to enter into your written register just in case you happen to forget doing so. If you don't keep a written register, then you don't know what your account balance is and it becomes impossible for you to challenge the bank if you think they did something wrong. The reality is that overdraft fees represent a very small part of a bank's income statement. Banks make money by charging interest on loans made to credit worthy individuals and businesses. If everyone was financially literate, banks would still make a lot of $$, and people would keep more of their money. Stop being envious of banks and bankers. Start focusing your attention on how you won't let this happen again.
#3 Author of original report
The disposition of this case will be decided by the FTC and other trusted parties.
AUTHOR: - ()
SUBMITTED: Wednesday, August 16, 2017
Suggesting that I am victimism myself is as absurd as your overdraft - stealing system. No morality goes into a bank's decision to take people's money, they feel entitled, like most of the people who run them. Why do you think bakers are rich? Because, like Wells Fargo and countless other, "trusted financial instutions" money is GOD. I am victimized by greed, and the rationalization of those who take what is not thiers.
#2 Consumer Comment
A better solution
AUTHOR: Robert - (USA)
SUBMITTED: Wednesday, August 16, 2017
There is a real simple problem to the overdraft fees caused by your improper account management. Keep a written register and write down EVERY transaction you make. That way regardless of when the debit/check gets submitted to the bank you know you have already spent it. Then as long as you don't spend more than you have available you have all but eliminated the possibility to get overdraft fees.
This tried and true method of account management worked for decades before computers were even invented. This also works for rich people, poor people, and everyone in between.
#1 Consumer Comment
I Don't Think So
AUTHOR: Jim - (USA)
SUBMITTED: Wednesday, August 16, 2017
How a bank charges overdraft fees is all in the account agreement an individual signs when an account is opened. It is spelled out very clearly. There is nothing illegal about anything regarding overdraft fees and nothing to expose. The Federal Authorities (I don't even know what Federal agency that is??) can't and won't do anything because overdraft fees are not a part of their jurisdiction.
Overdraft fees also do not target poor people. They mostly affect the financially illiterate, whch could cover anyone in the range beteen rich and poor, and they affect people who don't use a check register. There are many middle and upper class people this affects - probably even more so than the poor, since many poor people don't have bank accounts...
You are victimizing yourself. If you want to avoid cascading NSF fees, stop using your debit card for everyday transactions and switch to cash. If you don't like that idea, learn how to manage your bank account by using a check register and stop relying on the online balance. If that does not appeal to you, please expect this problem to continue, whether you bank here or BofA, or Wells Fargo, or Chase, or anywhere else.
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