US Bank, Us Bancorp pushed up credit card payment due date 5 days because of ON TIME and IN FULL payment previous month Minneapolis Minnesota

John, you said:

"Don't even start your bullshit trolling with me. Edgeman has beaten you silly. Do you really want more?"

"Your ignornace is what's hilarious on this whole site."

Wow! that was VERY good advice!

Actually, Edgeman could beat YOU silly. He is much smarter than you and doesn't keep attacking anyone just for fun. Watch some of his posts, and try to learn!

I am very surprised that the person that you attacked here is not mentally ill, since you seem to prefer someone with a mental handicap, who is unable to fight back.

Why do you seem to derive so much pleasure from attacking mentally ill posters and showing the world how sick they are? We will point people to the details later, You are a real 'Master at that! "THERE IS SOOO MUCH MORE TO LEARN". Stay tuned!

WHAT IS YOUR MOTIVATION FOR ATTACKING MENTALLY CHALLANGED PERSONS? Don't dodge this, "it is sooooo simple."

I am sure that you will need help again from your good buddies, like always. If not, tell your comrads that you can defend your own self on the merits of your motivation argument. I dare you!

I can fight back. Where are you BIG BAD JOHN? I AM CALLING YOU OUT. Try some lame attempts to defend yourself!

Have fun...

John:

Wow! that was very good advice!

I am surprised that the person that you attacked here is not mentally ill, since you seem to prefer someone with a mental handicap, who is unable to fight back.

Why do you seem to derive so much pleasure from attacking mentally ill posters? What is your reward?

Just wondering.

Thanks

Let me tell you US Bank defenders a story. Back when I had an account with US Bank, I went to a baseball game with my wife one weekend and I had about $500 or so in my account. I then proceeded to spend most of it at the game with various transactions, keeping in mind that I wasn't going to spend it all (I keep a check register). However, I had completely forgot about a monthly transaction that was to come out of my account (my mistake, obviously). What US Bank did was credit back days worth of transactions just before this forgotten transaction was to come out (it was about $510 I think), bringing my balance to $500 just before the transaction went through. Now, every one of those transactions that was debited again once my account was in the negative, costing me over $1000 in overdraft charges. Technically I made a mistake, but to have it cost me that much money is absurd. If you people honestly think the bank acted ethically in that case, I don't know what to tell you. You obviously don't know the definition of ethics.

"Yep, and look up the Community Reinvestment Act and find out why they were FORCED to do that by the Federal Government."

So wouldn't you assume that the Federal Government AND Big Banks were wrong in this situation? It's a little biased to think one institution is less guilty than the other. Especially in these circumstances.


"So call me silly, after all it is YOUR money. If you have some justification why someone should not I would love to hear it."

I never once said that someone shouldn't. I simply said it's silly to suggest that EVERYONE in the United States of America should keep proper check registers. Everyone leads a different life. As years pass, people become busier. For example, if a person works 2 jobs, has a family, owns a home, has pets, etc...do you honestly think that person is sitting around thinking about how effective his/her check register is? Absolutely not. This person is thinking about making the process easier. This is why online banking was created. However, the banks (especially US Bank) has made online banking very deceiving, and obviously in their favor. And if you think that by transactions disappearing for multiple days on end is NOT being deceiving, then you are highly mistaken. That's just one example. I could give you more if you have the time, which from your "meticulous" response, seems that that you do.

"Actually more and more CU's are finding out they are having to match the fees and 'rules' of the bigger banks because of the number of people taking advantage of them."

If you do business with a neighborhood bank or Credit Union, especially with people you have known for quite a long time, they are going to be more willing to work with you. And what's your definition of "taking advantage?" How is asking for a $40-50 fee being erased from your account because of a minuscule overdraft considered "taking advantage?" The $40-50 overdraft charge is not something the bank has to pay for a transaction, so why should anyone else have to? Oh wait...because it's STRAIGHT profit for the bank, right? I'm not sure why anyone from a fair and moral standpoint would say that taking advantage of hard-working people to make a bank more profitable is considered to be good business. But hey...American business practices are what makes the world go 'round! Pfffffttttt!


"No I am telling you the way it is. You are doing business with them, and as such are subject to their terms. I have said it many times before if you don't like the service of a bank(or any business) than take your business elsewhere. I personally don't care if someone banks with US Bank or 'Skippies Speedy Bank-Doing Business since Monday'. Just where ever you go be sure you understand the policies."

Wow, thanks for telling me the way it is, as if I didn't already know what US Bank's policies are/were. Seems you know more about them then the actual bank does, let alone of what they actually inform you of. I will state it for the umpteenth time...just because they make-up policies that work for them, don't make them right for the consumer. People catch on to the crap these banks spill very quickly. That's why a site like this was created...or didn't you know THAT already?


"Not only should, they MUST provide you with the Terms and Conditions."

From personal experiences, they don't. I am pretty sure 90% of the workers at US Bank don't know of most of their policies. If they do, they must be more meticulous than you.

They just enforce them and don't really know what they are enforcing. When you call up, they say, "Well that's our policy!" But yet, can't give you reasons or explanations as to why it's their policy, where the policy is located for viewing purposes, and why you weren't informed of aforementioned policy.


"And Again the bank is not holding a gun to your head. You can stay and complain. But if you do that, what is the incentive for these 'money hungry' banks to change? So if you don't like the service...LEAVE. I'll say this again..If you don't like the service LEAVE. If more people did that instead of waiting for someone else to do something, perhaps the banks would change?

I did leave. But I am not everyone. I can't force other people to leave, just as much as you can't force people to stay. People think freely. What an uncommon thing, eh?!

This is what Rip-off Report is all about: Telling people of their bad experiences with companies. If people read the reports, they will be less likely to join as a customer to US Bank, or any company mentioned on this site. People will think twice about it. This site is not about getting lectures from people on how well they should keep their check registers because someone is making an assumption that a faulty situation is a company is the consumers fault.

The Banks won't change, because for every customer with common sense, there's always another sucker right around the corner. But eventually, time and luck will run out for companies like US Bank, and they will be FORCED to make changes. It's the nature of business, and as you have already seen with companies like Circuit City and AIG, time will run out.


"Okay if you mean the standards of actually managing YOUR OWN MONEY, then I guess I am guilty again. And no not every customer is incompetent, because there are cases where the bank can make errors. But there are many times more where the customer is wrong. Where they either do not understand how banking in general works. They are lazy in not wanting to manage their account. Or outright trying to take advantage of the bank where they know they are going to overdraft, overdraft anyways, and then upset when they get hit with the fees."

Who says this person wasn't managing their money correctly, or anyone else on here for that matter? You're making assumptions again. I agree with you that there are times that the consumer is wrong in certain situations. Again the point of this website is for people to post experiences of how they felt they were wronged in certain situations. The automatic accusation that the consumer is lazy and needs to properly fill out their check register, is not needed. A simple question on that matter would have sufficed. Not an accusation or an assumption. A person wouldn't post a complaint about a company if they KNEW they were wrong. At that point, it makes it kind of pointless to post a report based on a lie, wouldn't you agree?

Yep, and look up the Community Reinvestment Act and find out why they were FORCED to do that by the Federal Government.

You are correct, the banks were forced to give loans to people that had no business getting loans in the first place, but they are compensating for it with a combination of getting government bailouts and taking advantage of the consumers to the fullest extent of the law.

So call me silly, after all it is YOUR money. If you have some justification why someone should not I would love to hear it.

No one is talking about what someone should or should not do. He is talking about what is reasonable. It shouldn't be a full time job to stop the bank from ripping you off.

Actually more and more CU's are finding out they are having to match the fees and 'rules' of the bigger banks because of the number of people taking advantage of them.

Taking advantage of Credit Unions means they should start ripping people off like the major banks do? Yeah, that makes sense. If they keep that up, people are just going to start stuffing their mattresses.

No I am telling you the way it is. You are doing business with them, and as such are subject to their terms. I have said it many times before if you don't like the service of a bank(or any business) than take your business elsewhere. I personally don't care if someone banks with US Bank or 'Skippies Speedy Bank-Doing Business since Monday'. Just where ever you go be sure you understand the policies.

That's exactly what I (and many others) have done. We are sick of the unethical practices of these banks (many of which are nowhere in the terms and conditions), so took our business elsewhere.

And Again the bank is not holding a gun to your head. You can stay and complain. But if you do that, what is the incentive for these 'money hungry' banks to change? So if you don't like the service...LEAVE. I'll say this again..If you don't like the service LEAVE. If more people did that instead of waiting for someone else to do something, perhaps the banks would change?

Just because the customer has the option to leave, it doesn't mean the bank should be doing what it's doing. That's the argument.

Okay if you mean the standards of actually managing YOUR OWN MONEY, then I guess I am guilty again. And no not every customer is incompetent, because there are cases where the bank can make errors. But there are many times more where the customer is wrong. Where they either do not understand how banking in general works. They are lazy in not wanting to manage their account. Or outright trying to take advantage of the bank where they know they are going to overdraft, overdraft anyways, and then upset when they get hit with the fees.

This managing your money BS is really getting tired. I have a double major in Computer Science and Mathematics so to assume that I just can't do simple math is laughable. People lead busy lives, and make mistakes when they are keeping a check register, or they don't have time to keep one at all. No one is trying to take advantage of the bank but the bank provides a service known as overdraft protection and we, as consumers, expect them to act in an ethical manner. If they don't hold up their end of the agreement, we can just take our business elsewhere, as I have.

I guess some people just don't like common sense.

"You do realize we are in this economic mess and meltdown because BANKS were giving toxic loans and mortgages to unqualified people, right?"
- Yep, and look up the Community Reinvestment Act and find out why they were FORCED to do that by the Federal Government.

"..You're silly to think EVERYONE should be meticulous in keeping check registers for ALL of their ATM and check transactions..."
- So call me silly, after all it is YOUR money. If you have some justification why someone should not I would love to hear it.

"Go to a Credit Union or local bank that deals with the customer face-to-face and builds customer/business relationships with them."
- Actually more and more CU's are finding out they are having to match the fees and "rules" of the bigger banks because of the number of people taking advantage of them.

"You're giving excuses for these companies, Robert. And it's pretty sickening. As I said before, just because a company has a policy in place, doesn't make it right."
- No I am telling you the way it is. You are doing business with them, and as such are subject to their terms. I have said it many times before if you don't like the service of a bank(or any business) than take your business elsewhere. I personally don't care if someone banks with US Bank or "Skippies Speedy Bank-Doing Business since Monday". Just where ever you go be sure you understand the policies.

"They should PROVIDE you with the Terms and Conditions at the point of creating your checking/savings/credit card accounts."
- Not only should, they MUST provide you with the Terms and Conditions.

"Again, just because they are a big bank, can create the policies they want, doesn't mean that they are right from a morality and fair standpoint. When you take advantage of a customer, the bells should toll, and this is the place for it."
- And Again the bank is not holding a gun to your head. You can stay and complain. But if you do that, what is the incentive for these "money hungry" banks to change? So if you don't like the service...LEAVE. I'll say this again..If you don't like the service LEAVE. If more people did that instead of waiting for someone else to do something, perhaps the banks would change?

"Stop making excuses for the big banks, on how every customer seems to be incompetent to your standards,"
- Okay if you mean the standards of actually managing YOUR OWN MONEY, then I guess I am guilty again. And no not every customer is incompetent, because there are cases where the bank can make errors. But there are many times more where the customer is wrong. Where they either do not understand how banking in general works. They are lazy in not wanting to manage their account. Or outright trying to take advantage of the bank where they know they are going to overdraft, overdraft anyways, and then upset when they get hit with the fees.

I guess some people just don't like common sense.

"You do realize we are in this economic mess and meltdown because BANKS were giving toxic loans and mortgages to unqualified people, right?"
- Yep, and look up the Community Reinvestment Act and find out why they were FORCED to do that by the Federal Government.

"..You're silly to think EVERYONE should be meticulous in keeping check registers for ALL of their ATM and check transactions..."
- So call me silly, after all it is YOUR money. If you have some justification why someone should not I would love to hear it.

"Go to a Credit Union or local bank that deals with the customer face-to-face and builds customer/business relationships with them."
- Actually more and more CU's are finding out they are having to match the fees and "rules" of the bigger banks because of the number of people taking advantage of them.

"You're giving excuses for these companies, Robert. And it's pretty sickening. As I said before, just because a company has a policy in place, doesn't make it right."
- No I am telling you the way it is. You are doing business with them, and as such are subject to their terms. I have said it many times before if you don't like the service of a bank(or any business) than take your business elsewhere. I personally don't care if someone banks with US Bank or "Skippies Speedy Bank-Doing Business since Monday". Just where ever you go be sure you understand the policies.

"They should PROVIDE you with the Terms and Conditions at the point of creating your checking/savings/credit card accounts."
- Not only should, they MUST provide you with the Terms and Conditions.

"Again, just because they are a big bank, can create the policies they want, doesn't mean that they are right from a morality and fair standpoint. When you take advantage of a customer, the bells should toll, and this is the place for it."
- And Again the bank is not holding a gun to your head. You can stay and complain. But if you do that, what is the incentive for these "money hungry" banks to change? So if you don't like the service...LEAVE. I'll say this again..If you don't like the service LEAVE. If more people did that instead of waiting for someone else to do something, perhaps the banks would change?

"Stop making excuses for the big banks, on how every customer seems to be incompetent to your standards,"
- Okay if you mean the standards of actually managing YOUR OWN MONEY, then I guess I am guilty again. And no not every customer is incompetent, because there are cases where the bank can make errors. But there are many times more where the customer is wrong. Where they either do not understand how banking in general works. They are lazy in not wanting to manage their account. Or outright trying to take advantage of the bank where they know they are going to overdraft, overdraft anyways, and then upset when they get hit with the fees.

I guess some people just don't like common sense.

"You do realize we are in this economic mess and meltdown because BANKS were giving toxic loans and mortgages to unqualified people, right?"
- Yep, and look up the Community Reinvestment Act and find out why they were FORCED to do that by the Federal Government.

"..You're silly to think EVERYONE should be meticulous in keeping check registers for ALL of their ATM and check transactions..."
- So call me silly, after all it is YOUR money. If you have some justification why someone should not I would love to hear it.

"Go to a Credit Union or local bank that deals with the customer face-to-face and builds customer/business relationships with them."
- Actually more and more CU's are finding out they are having to match the fees and "rules" of the bigger banks because of the number of people taking advantage of them.

"You're giving excuses for these companies, Robert. And it's pretty sickening. As I said before, just because a company has a policy in place, doesn't make it right."
- No I am telling you the way it is. You are doing business with them, and as such are subject to their terms. I have said it many times before if you don't like the service of a bank(or any business) than take your business elsewhere. I personally don't care if someone banks with US Bank or "Skippies Speedy Bank-Doing Business since Monday". Just where ever you go be sure you understand the policies.

"They should PROVIDE you with the Terms and Conditions at the point of creating your checking/savings/credit card accounts."
- Not only should, they MUST provide you with the Terms and Conditions.

"Again, just because they are a big bank, can create the policies they want, doesn't mean that they are right from a morality and fair standpoint. When you take advantage of a customer, the bells should toll, and this is the place for it."
- And Again the bank is not holding a gun to your head. You can stay and complain. But if you do that, what is the incentive for these "money hungry" banks to change? So if you don't like the service...LEAVE. I'll say this again..If you don't like the service LEAVE. If more people did that instead of waiting for someone else to do something, perhaps the banks would change?

"Stop making excuses for the big banks, on how every customer seems to be incompetent to your standards,"
- Okay if you mean the standards of actually managing YOUR OWN MONEY, then I guess I am guilty again. And no not every customer is incompetent, because there are cases where the bank can make errors. But there are many times more where the customer is wrong. Where they either do not understand how banking in general works. They are lazy in not wanting to manage their account. Or outright trying to take advantage of the bank where they know they are going to overdraft, overdraft anyways, and then upset when they get hit with the fees.

I guess some people just don't like common sense.

"You do realize we are in this economic mess and meltdown because BANKS were giving toxic loans and mortgages to unqualified people, right?"
- Yep, and look up the Community Reinvestment Act and find out why they were FORCED to do that by the Federal Government.

"..You're silly to think EVERYONE should be meticulous in keeping check registers for ALL of their ATM and check transactions..."
- So call me silly, after all it is YOUR money. If you have some justification why someone should not I would love to hear it.

"Go to a Credit Union or local bank that deals with the customer face-to-face and builds customer/business relationships with them."
- Actually more and more CU's are finding out they are having to match the fees and "rules" of the bigger banks because of the number of people taking advantage of them.

"You're giving excuses for these companies, Robert. And it's pretty sickening. As I said before, just because a company has a policy in place, doesn't make it right."
- No I am telling you the way it is. You are doing business with them, and as such are subject to their terms. I have said it many times before if you don't like the service of a bank(or any business) than take your business elsewhere. I personally don't care if someone banks with US Bank or "Skippies Speedy Bank-Doing Business since Monday". Just where ever you go be sure you understand the policies.

"They should PROVIDE you with the Terms and Conditions at the point of creating your checking/savings/credit card accounts."
- Not only should, they MUST provide you with the Terms and Conditions.

"Again, just because they are a big bank, can create the policies they want, doesn't mean that they are right from a morality and fair standpoint. When you take advantage of a customer, the bells should toll, and this is the place for it."
- And Again the bank is not holding a gun to your head. You can stay and complain. But if you do that, what is the incentive for these "money hungry" banks to change? So if you don't like the service...LEAVE. I'll say this again..If you don't like the service LEAVE. If more people did that instead of waiting for someone else to do something, perhaps the banks would change?

"Stop making excuses for the big banks, on how every customer seems to be incompetent to your standards,"
- Okay if you mean the standards of actually managing YOUR OWN MONEY, then I guess I am guilty again. And no not every customer is incompetent, because there are cases where the bank can make errors. But there are many times more where the customer is wrong. Where they either do not understand how banking in general works. They are lazy in not wanting to manage their account. Or outright trying to take advantage of the bank where they know they are going to overdraft, overdraft anyways, and then upset when they get hit with the fees.

Robert...seriously...stop backing up the bank. You do realize we are in this economic mess and meltdown because BANKS were giving toxic loans and mortgages to unqualified people, right? So how in the WORLD can you back up a bank, unless you actually work for one?

I'm not accusing you of anything, but this is just silly. You're silly to think EVERYONE should be meticulous in keeping check registers for ALL of their ATM and check transactions. As I stated in a previous thread, you can be meticulous all you want, but there are many things deceiving about bank operations.

When you open a checking or savings account, do you read all the fine print? Do you hear any of the bank tellers, managers, executives reading you the fine print? The answer for both of those are 'NO,' so you're accusations that EVERYONE knows the policies of US Bank are incorrect.

Save yourself the time of accounts with these big banks. Go to a Credit Union or local bank that deals with the customer face-to-face and builds customer/business relationships with them. You'll get a better deal and faster/easier service that will suit you.

You're giving excuses for these companies, Robert. And it's pretty sickening. As I said before, just because a company has a policy in place, doesn't make it right. And it definitely doesn't make the situation right when they don't inform you or provide you with those policies. You shouldn't have to hunt for them, find them on the internet, or some other excuse you might think up. They should PROVIDE you with the Terms and Conditions at the point of creating your checking/savings/credit card accounts.

Again, just because they are a big bank, can create the policies they want, doesn't mean that they are right from a morality and fair standpoint. When you take advantage of a customer, the bells should toll, and this is the place for it. If you don't want to hear people's complaints, then leave. Stop making excuses for the big banks, on how every customer seems to be incompetent to your standards, because for god's sake...NOT EVERYONE IS YOU! Everyone is human, and since you seem to be above and beyond human stature (possibly because of your far superior intellectual prowess), these situations don't seem to apply to YOU too well. Everyone is human (except for you apparently) and they make mistakes. Capitalizing on human errors doesn't make the big bank right, it makes them hypocrites and liars saying they are "5 star customer service" and "all about the customer."

Save us all the time and quit cheesing for these companies.

"People can make a mistake even when keeping a meticulous check register. We are all human, and can make mistakes even when being careful."
- People who are "meticulous" tend not to make "mistakes", because if they are meticulous they also seem to understand the way banks work. So in the small fraction where they may make a mistake, the mistakes are minor and cause very few OD fees.

"That's not the point. The bank is using MY money."
- They are using your money because you deposited into their bank. When you deposited it you are agreeing to their terms. If you overdraft they are no longer using YOUR money, you are using THEIR money.

"If they want to change things, they should make overdrafting impossible"
- As has been shown before it is impossible to guarantee this 100% of the time. However, for argument's sake let's say it is possible. Instead of having reports written on banks for allowing them to overdraft, these same people will still write reports but the nature would change. You would now get reports such as the bank not allowing them to pump $5 worth of gas causing them to be stranded. After all it was just a "mistake" that they don't have enough money and didn't get gas before they bought that $10 fast food lunch. Or on the retail stores that had a returned check and used their legal right to prosecute the person for writing a bad check. You think a $35 OD fee for a $5 cup of coffee is bad. Imagine having to go to court for a $10 check to your local grocery store and paying possibly up to a couple hundred dollars in fines.

"Ok, are you going to deny those two situations were the bank's fault?"
- No. If you do have proof as said then the bank IS wrong. But you don't need money for a lawyer at the very least you could have filed a Small Claims Case, it wouldn't have been the "big" payday but at least you would have gotten your money back. And possibly additional punitive damages. I would even say that if you still have proof for either of these send this off to your local news station to "expose" them.

We agree on one point, if you don't like the bank(or any business) then change. But for a vast majority of the people the end result will be the same if they don't change how they manage their accounts.

Why would the bank do this? They'd cut themselves out of five days of interest. I don't know what dates are involved, but it may just be a simple case of the months having more or less days in them than the previous month.

Example: If your due date is the last day of the month, and let's say it's February, then your due date would be 2-28. So, the next month, the due date would be 3-31. That doesn't mean they pushed the date up three days; it's just how it's working out.

Chris several times you have stated that you feel that the bank takes advantages of people who make a 'mistake'. When in fact almost without exception the 'mistakes' people tend to make are not keeping track of THEIR balance, and not understanding how banking works.

People can make a mistake even when keeping a meticulous check register. We are all human, and can make mistakes even when being careful.

There is really no excuse for not keeping track of your own balance, after all it is YOUR money. Do you have your local grocery store keep track of what is in your pantry and rely on them to tell you that you are out of something? Do you rely on your local gas station to tell you that your car is out of gas? So why is YOUR money any different.

That's not the point. The bank is using MY money. I don't feel it's too much to ask that they be fair when dealing with it. The entire point I'm trying to make is there are thousands upon thousands of banks out there, some of which are somewhat lenient when someone makes a mistake. If US Bank doesn't want to be that way, fair enough, but people can take their business elsewhere, as I did. If a fast food place decided they were going to serve crappy food to save money, people would stop eating there and go elsewhere. The banking industry is no different. US Bank will eventually figure this out. Until then, people will continue to be ripped off.

As for not understanding how banking works, such as where banks only post transactions on days the Federal Reserve is open. Unfortunatly lack of knowlege is not an excuse. It is interesting how people must take tests to be able to drive, yet all they have to do is sign their name and make a deposit to have access to an account. Personally, I think that making overdrafting a 'crime' is not a bad idea. At least this way the first time a person overdrafts they would be required to take a 'financial test' that would hopefully keep them from making the same mistakes again.

If they want to change things, they should make overdrafting impossible. The bank makes it overly difficult to get rid of overdraft protection, and for good reason. They make billions per year in overdraft fees. You don't need to make it illegal, just get rid of it.

But even in the two cases you have said they did to you. The first was where you said that you had made debits on a Saturday and they back-dated them to the Thursday before your Direct Deposit. With a copy of your receipts showing the Saturday Debit and your bank statements showing the Thursday posting it seems as if that is a 'slam-dunk' proof of wrong doings. The second was where you said they opened an account in order to withdraw funds from your account for your wife's(?) delinquent account. With no authorization or proof that you agreed to it.

Ok, are you going to deny those two situations were the bank's fault? I brought the proof to them and they refused to fix things. At the time, I didn't have the money for an attorney, so that wasn't an option.

Chris several times you have stated that you feel that the bank takes advantages of people who make a "mistake". When in fact almost without exception the "mistakes" people tend to make are not keeping track of THEIR balance, and not understanding how banking works.

There is really no excuse for not keeping track of your own balance, after all it is YOUR money. Do you have your local grocery store keep track of what is in your pantry and rely on them to tell you that you are out of something? Do you rely on your local gas station to tell you that your car is out of gas? So why is YOUR money any different.

As for not understanding how banking works, such as where banks only post transactions on days the Federal Reserve is open. Unfortunatly lack of knowlege is not an excuse. It is interesting how people must take tests to be able to drive, yet all they have to do is sign their name and make a deposit to have access to an account. Personally, I think that making overdrafting a "crime" is not a bad idea. At least this way the first time a person overdrafts they would be required to take a "financial test" that would hopefully keep them from making the same mistakes again.

So you are going to say what about the (small) fraction of times when a bank does make an error. Yes banks make mistakes, and at least with my experience if the bank has made a mistake they are more than willing to fix it. The caviat to this is that I never have had to deal with any mistakes of US Bank.

But even in the two cases you have said they did to you. The first was where you said that you had made debits on a Saturday and they back-dated them to the Thursday before your Direct Deposit. With a copy of your receipts showing the Saturday Debit and your bank statements showing the Thursday posting it seems as if that is a "slam-dunk" proof of wrong doings. The second was where you said they opened an account in order to withdraw funds from your account for your wife's(?) delinquent account. With no authorization or proof that you agreed to it.

If everything was exactly as you said you would have lawyers breaking down your door to take a "slam dunk" case against the "big evil bank". With their deep pockets do the words "early retirement" mean anything to you? But what did you do? You went to the bank manager and wrote reports on the Internet.

As for this specific case. As was said before Credit Cards are not a right, and the company can basically change the terms. The terms are disclosed and if the consumer does not think that it is "fair" that they can change the terms then they should NOT use the card. If more and more people did this the bank may change their terms to what people want. But as long as people keep using the card the bank will figure that it is okay.

You don't need to get all worked up over something so stupid. I don't feel the bank owes me anything other than fairness. If I'm doing business with an institution, I feel they should behave in a way that will keep my business, not line their own pockets with my money. I never suggested that the bank acts illegally or forces the person to overdraft, but I have an issue with how the bank manipulates the customer's account in the unfortunate situation that they do overdraft. I already know what you're going to say, use a check register, don't spend money you don't have, etc. I've heard it a thousand times and those things are irrelevant. Sometimes people make mistakes and the bank takes full advantage of those mistakes. I find this behavior unethical. You can disagree with if you want. The problem with your "advice" to this person is that they are complaining about the manipulation of the due date on their credit card bill and you say "don't use the card". How is this advice? Of course that's an option but the complaint had nothing to do with that.

YOU are the one with no leg to stand on.
You say I don't yet, as always, have not one fact to back that statement up much like you try to pull on Edgeman.
The fact that YOU insist that someone is an employee of a bank then attack another poster for no reason other than you were verbally b***h-slapped because you could not prove your ridiculous remark and called on it proves that also.
The only answer is to not use the card.
Very simple.
They are not 'owed' anything except the terms and condition of using the card if they chose to use it.
But you have trouble grasping the concept of not overdrafting while knowing the terms and conditions so I am not surprised you are struggling here.
The bank can do whatever it wants. IT'S THEIR MONEY that they are giving this person.
If the person doesn't like the terms required that they follow in order to use the bank's money, then they don't have to use the card.
Your sense of self entitlement is what gets you in trouble every time.
Absolutely not a ripoff.




The fact that you're using profanity only reinforces that fact that you know you have no leg to stand on. No one suggested that the bank 'owes' them anything, but the fact that they are using their card hardly backs up your assertion that the way the bank behaves in their situation isn't a rip off.

The fact that you're using profanity only reinforces that fact that you know you have no leg to stand on. No one suggested that the bank "owes" them anything, but the fact that they are using their card hardly backs up your assertion that the way the bank behaves in their situation isn't a rip off.

There is no 'right' to have a credit card.
It is not owed to anyone.
If the people don't like the terms related to using the card, then don't use it.
No one is MAKING them use it.
It can't be done.
It is NOT a ripoff in any way.
It's pretty cut and dry.

There is no 'right' to have a credit card.
It is not owed to anyone.
If the people don't like the terms related to using the card, then don't use it.
No one is MAKING them use it.
It can't be done.
It is NOT a ripoff in any way.
It's pretty cut and dry.

There is no 'right' to have a credit card.
It is not owed to anyone.
If the people don't like the terms related to using the card, then don't use it.
No one is MAKING them use it.
It can't be done.
It is NOT a ripoff in any way.
It's pretty cut and dry.

Stop using your card? That makes this not a rip off?

You don't have to use the card. Simple.