US Bank us bank, Us bank, US bank, us Bank deposit and withdrawl manipulation Internet, Nationwide

I can not have Robert banned from this site for spamming and posting false information, so I have no choice but to respond. Here is a link to the copyright issue Robert failed to leave the link to...judge for yourselves..

http://www.ripoffreport.com/miscellaneous-electronics/walmart-duluth-mn/walmart-duluth-mn-chadren-lep-573a8.htm

And here is my response to the personal attacks against me..which have NOTHING to do with this report, but were left on this report nonetheless....I should note..this is the third report that I am aware of, that Robert has diverted the topic of a report in this way, using the identical spam, misinformation, and blatant attempts to discredit myself, discredit this site, and divert the topic of the report and to disrespect the people who are posting reports here.

http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-general-complaint-i-52a25.htm

so I got a couple of bites before tossing the rest
again out the window. I hope it doesn't kill any wild animals that find
it, although they are probably smarter then me and will smell it and
walk away.

When called out for his illegal littering, on a busy
road, The Great and Powerful Roz rationalized that he really didnt
litter because..wait for it.

Normally "food" would be considered
organic and not actually be littering...

Yup!  There you have it!  This
is why hes the Great and Powerful  Roz!  Never wrong, always right, always has to have the last
word.  The rest of us poor schleps have to live
within the laws of our society but not the Great and Powerful Roz!!!

Only in the Land of Roz, is littering not littering, is
rambling with 30 page rebuttals and name calling considered debating
and having the last post means a win.  LMAO!

The Wonderful Liar (AKA The Cowardly
Lyin):

http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-in-vineland-nj-mcdo-a22ba.htm

but when I got it the burger was not at all like the
picture or as described and it was cold and tasted like old socks and
butt wrapped in a stale bun. I didn't want to complain because I figured
they would just spit on the burger so I threw it in the garbage.

In the garbage Roz? In your ROR (see above wonderful
litterbug) you stated you tossed it out the window.  While
you were driving home on a busy street.  According
to YOUR McDonalds ROR you didnt even open your burgers until you were
driving home!  In this rebuttal you give the
impression you were an eat in customer who tossed it in the garbage.
If this rebuttal by you is the truth (making your ROR a LIE) me thinks
you behaved more like the Cowardly Lyin  LMAO!

There you have it folks.  The
Wizard of Roz excels at everything, including LYING! 

MY CURRENT REPLY>>>

Robert is an idiot. Take a look at the links. They are TWO SEPARATE REPORTS.

And, they are regarding TWO SEPARATE INSTANCES. One reply he pasted was from someone else's report back in August of 2009 which I commented on, when I lived in Silverlake, and one was very recent and a report I personally lodged regarding when I was driving home from work to where I currently live in NORTH HOLLYWOOD. One is regarding a deluxe burger from the menu..one is regarding .99 cent cheeseburgers.

I also did not state that I threw the burger on a "busy street". I clearly stated I threw it on the 134 eastbound. It is not a local street. It was the side of the highway. I could not take the smell. I also did admit it was disrespectful, however being it was organic matter, it will not pollute the earth.

Now, tell us Robert..what does any of this have to do with this report? So I admitted I tossed cheeseburger out the window..that means I lost this debate regarding banking policies?? You need serious psychiatric evaluation my friend.

STRIKE ONE...next

The Wonderful Author:

http://www.ripoffreport.com/banks/wachovia-bank/wachovia-bank-excessive-overd-844c8.htm

I used to teach at a school and wrote a textbook. I
have written for a few publications and a home study course but I have
not chosen writing as a profession.

Gosh. You wrote a textbook and yet seemingly know
nothing about copyright law!

MY CURRENT REPLY>>>

Seemingly? What does that mean? Can you back up with any evidence what I know or do not know regarding copyrighting a text book? First of all, I wrote the textbook for a school that I was teaching at. They handled the copyrights through a copyright attorney. I had my attorney look it over, and we came to an agreement. I never claimed to be a copyright expert. Writing a textbook, music, a screenplay etc has nothing to do with how much you know about copyright law. And that is why they have copyright attorneys. The report you are referring too, which has NOTHING to do with this debate about bank policies, was a complaint lodged regarding a customer at Walmart who was told they can not return an open DVD for a refund, and a debate regrading if it was because it was prohibited by federal law. I agree that this was store policy and not necessarily anything to do with a federal law.

So we were in agreement, I simply chose to investigate it, post evidence, and look at all sides. YOU on the other hand.."claimed" to be an expert in copyright law, based solely on your "claim" that you wrote some software back in the 1980's.

If anything..you seem to be the one who knows nothing. And how come you did not leave a link to that report? Are you afraid to let everyone see that we were in agreement, yet you are trying to somehow discredit me using copyright law knowledge as an example?

I have a feeling you are holding some kind of grudge against big retailers because you were denied a refund of open software or a DVD. Well tough luck. These companies are not in business of free rentals. You buy it..you open it..it is yours..period. You don't like the policy, don't shop there. The policy is no "corporate secret" or conspiracy. It is to prevent people from ripping them off..imagine that????..a retailer in business to profit, and not give free rentals..how absurd??

STRIKE TWO  next...

The Wonderful Best Buy Associate (aka
Best Buy Defender):

http://www.ripoffreport.com/appliances/best-buy/best-buy-best-buy-warranty-fr-95382.htm

Because in my 6 years associated with BesyBuy..

nor do they want to rip anyone off with intent...I
feel they are very ethical and may be why they are surviving while
places like Circuit City bite the dust...

I guess during your 6 years, you were not aware of the
legal troubles Best Buy has had with some States Attorney General;
illegally using software (copyright infringement by Geek Squad) and some
unsavory business practices (duplicate Best Buy website with
alternative pricing higher than what was on the public Best Buy
website.)  When customers complained that the
in-store price was higher than advertised on the public website, the
associate would go online (actually an IN-HOUSE intranet site) to a
different website to show the customer that he or she was mistaken!  Real ethical stuff!!!

Yes..I have been associated with this company for six
years...including being a district trainer..so i know how it works...

Really?  Does this mean you were
party to the copyright infringers?  Did you train
Geek Squaders how to use software that Best Buy was using illegally?  Did you help set-up the TWO websites that Best Buy
had, or just the in house one that associates showed customers with a
HIGHER item price than the public Best Buy website?

I have worked with BestBuys across the nation..and
there are different cultures in different locations regardless of SOP.

MY CURRENT REPLY>>>

Once again, I do not know what this report regarding bank policy has to do with Best Buy..but here we go..

The issues BestBuy had can be found at Wikipedia Bestbuy. As far as the software issue, it was resolved and the software company ended up in an agreement with BestBuy to use the software, that is how it ended, nothing else is disclosed, no news here.

As far as the duplicate website, I have nothing to do with that and I don't know why that is being brought up in a debate about bank policy. This was addressed back in 2007.. "In response, Best Buy spokesperson Sue Busch indicated the in-store
kiosks were not intended for price-match purposes and rather a means to
navigate in-store availability. Since the initial investigation, a
banner was placed on the in-store site to make its customers more aware
of the difference."

And that is as much as I know, or care about that. When I shop online..I do it at home and print it out. If Best Buy was using any tactics with intent to decieve customers, I certainly as a consumer advocate do not defend it. I only know the policies as I was told when I did any work for them. Which was "have the customer bring in a copy from bestbuy.com of the price, and we will match it in the store". Doesn't seem like rocket science to me.

Why Robert is bringing this up here, I have no idea..but I responded to a report in which a customer brought in a sound system that was non-functioning. The system was still under manufacturers warranty. The customer was denied because the system had liquid inside of it, and signs of mold/corrosion etc on the side and cord. So the customer was accusing Bestbuy of doing this with intent.

I am sure this company has nothing to gain by further damaging and already non functioning unit, that is COVERED under the manufacturers warranty, just to rip them off. No company could survive this way. How many other reports are there of Bestbuy or any large retailer doing something like this to a piece of equipment that is currently covered under the manufacturers warranty?

Again I ask...what does this have to do with bank policy?

STRIKE THREE.... next..

The Wonderful New ROR Editor:

http://www.ripoffreport.com/doctors/black-hawk-plastic-s/black-hawk-plastic-surgery-dr-abe38.htm

You really have no reason to make this person feel
even worse, unless you are getting some kind of satisfaction from it? Or
does it just make you feel important or better as a person to belittle
victims?, Not very nice now, save that for the bank posts.

Thats our mighty Roz laying into someone who made a
rebuttal.  Notice the Wizard of Hypocrisy?  Of course, he doesnt mention how HE treats ROR
posters when they complain about Best Buy!  No
not at all!

MY CURRENT REPLY>>>

Click on the link and go to the report. Some woman was swindled by a plastic surgeon. She wanted a certain procedure, the doctor told her that was what she was getting, and then she found out they were going to do the EXACT procedure she said she did not want, and that the Doctor told her it was not going to be.

So what do these trolls do? Insult her for being vain. The doctor charged her $20,000 for a procedure she did not want, and was told she was not getting. When she tried to cancel after realizing she was not getting the procedure as she was told she was, they would not refund a penny. I felt that was wrong..forgive me Robert.

Again I ask Robert..what does this have to do with a Report regarding bank policy?

STRIKE FOUR....next...

The Wonderful Subway Hidden Tax
Finder (AKA thats MY 49 cents!):

http://www.ripoffreport.com/fast-food-restaurants/subway/subway-is-a-5-dollar-foot-lon-9ab86.htm

I was duped. I though it was going to be
like Baywatch..but I traverse the streets dodging used condoms and drug
bags, homeless beggars abound..I think they charge a fee to enter the
7/11..and instead of fresh ocean air breezes..I get to inhale
pollution..feces, and urine smells. The pollution is so bad..

And so it goes!  This was heavy
intellectual stuff that the entire world (those of us who are not
blessed to live in the Land of Roz) had to know!  As
it was, the Great and Powerful Roz actually posted a
retractionerwell.sorta.

I would like to submit a "semi" retraction...

A semi retraction?  Is that
anything like oops or I was mistaken?  Naw,
couldnt be!  This is the Great and Powerful Roz!

MY CURRENT REPLY>>>

I don't know what this has to do with a report regarding bank policy, but yes, I lodged a complaint against Subway for non disclosure. It ended with Subway putting up a sign, and me understanding some regulations regarding California food to-go vs. eat in toasting and heating statutes.

Anyone can click on the link and see my semi retraction. I never claimed to be infallible from a mistake. Only the bank defenders, the most arrogant bank defenders, believe they can never make a mistake, and anyone who does is a criminal as they imply.

Here is the condemning "semi retraction" I stated, from a  report I posted back in October, 2009..."Today I went into Subways again.and ordered the new buffalo chicken 5
dollar foot long..and said "yes" when asked if I would like it toasted...

Total
came out to $5.49...$5.00 + .49 "sales" tax.

So mystery one
solved..they only tax once for both chicken heating tax..and toasting
tax combined.

I looked around at the signage in the store..and
did notice some of the signs state on the bottom.."plus applicable sales
tax".

Congratulations Robert aka "Kojak and copyright attorney"..you solved the case of the chicken/toast tax semi-retraction caper.

Again I ask Robert...what does this have to do with a report regarding bank policy?

STRIKE WHATEVER, I am starting to lose track..next..

The Wonderful Travel Agent (AKA
Whats a branded credit card?):

http://www.ripoffreport.com/credit-card-processing-ach-companies/u-s-bank-national-as/u-s-bank-national-association-4b2e2.htm

False advertising comes to mind, which is against the
law. If I were in your shoes I would start with a call or letter to the
FTC if the bank continues to refuse accountability.

Rozzy is correct about a possible false advertising
issue.  Except that any false advertising was made
by Aeromexico, not the bank that administers the card.  We
all know what happens whenever the Wizard of Roz detects the word
bank in a report!

MY CURRENT REPLY>>>

Okay, here we go again. Robert aka Kojak the copyright attorney is bringing up a report that is unrelated, and irrelevant. Anyone can click on the link Robert was kind enough to leave. And they will clearly see, that the bank was ADVERTISING on Aeromexico's website. Hence, the bank must honor what they advertised, or face a false advertising charge. This was NOT an ad placed by Aeromexico on the banks website..but an ad placed by the bank on Aeromexico's website. If the bank will not honor their own ad, and customers sign up with that bank or any offers implied, then the bank must honor the offer. If the ad was fraudulent and the customer signs up, surely at the time of sign up, the bank would have some responsibility to tell the customer the ad is a fraud, if indeed it was.

And again Robert I ask, what does this have to do with the report we are debating here?

STRIKE..well heck..who is counting anymore?

The Wonderful ROR Hijacker:

http://www.ripoffreport.com/banks/us-bank-us-bancorp/us-bank-us-bancorp-rip-off-f3dda.htm

Page after page of Rozzy wasting bandwidth.  A funny read if you have a lot of free time on your
hands.  A simple ROR turns into The Wizard of Roz
Show as Rozzy hijacks this posting to troll for fights; showing his
true colors (and they arent emerald green) once again.  This
one is so long it would probably smoke your printer if you attempt to
print it! LMAO!

MY CURRENT REPLY>>>

Why would anyone use a printer to read a report from this site? That aside, if you were more alert, you would realize that the link you posted..is THIS very report. Need I say more? And the cause of the waste of bandwidth, is that people like you are debating logic, and diverting the topic with personal attacks and slander against me. I do not need to apologize for defending myself.

Sometimes it requires reasoning and evidence to back up a point, which I use freely. No one is forced to read it, and no one is required to respond, rebut or debate it.

Another Strike...

If that wasnt enough heres another example of The
Great and Powerful Roz (AKA Chaseboy) hijacking a post!  Troll,
troll, troll.

http://www.ripoffreport.com/banks/chase-wamu/chase-wamu-wamu-chase-bank-f225b.htm

What are you talking about "hijacking" a post? That was called a DEBATE, and I held my ground. Anyone can click on that link...and see the report...which was about  a $34.00 overdraft fee escalated to a $64.00 overdraft fee..for....get ready for this...brace yourselves............the customer went over by.......................TEN CENTS !

Once again...Robert..the "Kojak" and copyright attorney of rip off report..solved the case!!!!  Yes..you did it. You discredited me and proved what a bad person I am. Or..maybe you are a couple of cans short of a six pack? Let the readers decide..if any have not been bored into a coma by now.

The Wonderful Auto-restorer and
PayPal/Ebay Defender:

http://www.ripoffreport.com/motorcycles/rebecca-sparks/rebecca-sparks-stephanie-wallo-e9de4.htm

Since this is ONE of my businesses, restoring older
cars and selling them via online auction nation and WORLD wide,

I wish ROR would go back to the OLD search format
which worked much better!

MY CURRENT REPLY>>>

Why? What would the old search format do to conclude you are a waste of time that the current format does not allow? I have been restoring old cars as a hobby, and it turned into a lucrative business. What does this have to do with the report here about bank policy?

The Wonderful DC Engineering; 

http://www.ripoffreport.com/utility-companies/txu-oncar-energy/txu-oncar-energy-txu-my-electr-84c86.htm

Although I no longer reside in NYS, and am no longer a
licensed electrician for home/industrial in NYS, I was a local 3 union
electrician, as was my uncle, and Grandfather. I now specialize in DC
engineering.

I guess this would be sorting out the red, black, and
green wires in those restored autos!

MY CURRENT REPLY>>>

Oh, I can tell by that reply that you probably are an electrician, and an antiquated one at that. And yes, the wiring in older automobiles is quite simple,,but not exactly sorting red, black and green wires..there is a bit more to it then that. I don't know any vehicles I have ever restored that only use 3 colors..that is reserved for old school A/C electricians..which as I stated, I have been one in the past. I was able to get into the union while I was in school since close family members were in it. And the test was not very difficult to pass.. it was essentially based on the same principles used since Thomas Edison was experimenting with the phonograph.

But if you even try to get into a debate with me about current automotive technology, I will make you look like even a bigger fool then you are making yourself look like. You do realize that late model vehicles, which I train others how to integrate with, incorporate data bus systems, LAN systems, M.O.S.T. systems, and fiber optics to name a few? Robert, it is basically being a software engineer on top of everything else, it is not like twisting wires together where all you had to figure out was which was neutral...and use pliers and wire nuts. Robert..you are SO far out of your league..that the light bulb from your league would take 100,000 light years to get here if you had a light bulb 100,000 years ago. Go ahead, try me.

The Wonderful Radio Installer (AKA
Sirius Defender):

http://www.ripoffreport.com/satellite-companies/sirius-xm-radio/sirius-xm-radio-xm-radio-what-ca79d.htm

I am not actually a direct employee of Sirius XM..but I
work for a company that sells and installs a lot of them.

Gosh! Is there anything you dont do or havent done?  Oh, I forget-The Great and Powerful Roz!  This must be more of that DC Engineering thing!  Lets see, author, teacher, engineer, auto-restorer,
Best Buy Trainer.  Im overwhelmed-NOT.  Its getting harder to believe any of this crap!  LMAO!

MY CURRENT REPLY>>>

Yes Robert. It is ALL related. D/C based technology. Guess what most vehicles use as a power source? I will tell you. A D/C battery. Which applies to...the textbook I wrote, the articles I have published, the degree I have, and what I have been teaching in schools, and... for corporations that sell and install DC operated products. The auto restoration was a hobby that turned itself into a side business. Is that so unheard of? Does it make you envious that I can profit off doing what I enjoy? And that I can freelance, and make my own hours, and I am still young?

That must kill you. I won't rub it in your face too hard. And, I have nothing I need to prove to you. And I will not expose or divulge any personal further personal information about me on this public forum since I don't need you sickos involved in my personal life..but if there is anything you wish to debate regarding D/C engineering or it's applications regarding current automotive technologies, have at it, I am all to quite willing to do this.

But again, I must ask..what doe this have to do with bank policy?



So Robert, instead of searching this site for unrelated reports and pasting nonsense..care to step up to the plate and deal with me one on one?...I can hear a pin drop...Hello? Hello?...Robert..are you there?


 

Months ago when I tried to explain how some banks were double charging fees, I used ledger examples to make it easier to see and understand. My examples clearly showed what was happening at all banks which charged the Unavailable Funds Fee. But because it was so unbelievable, many bank defenders (including Rober) sarcastically passed off my examples as ludicrous hypotheticals which could never happen in reality.  Well, oh my, well that just can't be!  That's impossible! They said.

Then, when users started posting samples of their REAL ledgers one after another, and my point was proven, well here was the exchange between Robert and myself, coincidentally on another US Bank thread, no less:

http://www.ripoffreport.com/banks/u-s-bank/u-s-bank-overdraft-fees-charg-6feeq.htm

Quote from Robert:

'I'm not gonna get into any pissing contest over what is or is not 'a true ledger' here. Folks are upset and post snippets of alleged bank statements-I can't deal with that. I don't see how anyone can even attempt to determine what's going on based on incomplete bank statements (usually 2 or 3 days of transactions) or fabricated data.'

Subliminal Translation on behalf of Robert:

Others have given examples which I CANNOT explain, backed up and confirmed by REAL LEDGERS with WEEKS of transaction data showing the same behavior, even further confirmed by the actual BANK EMPLOYEES, and I just simply don't have an answer.

Exactly right Robert. You've bitten off way more than you can chew without provocation.

------------

Uh, what's that about hypocrisy did someone say?

What an awesome post!  May I respectfully suggest that those of us who rely on common sense and personal responsibility to get through life relegate Ronny to the same class as Karl, Rita, and Chuckie? In other words, if we stop responding to his drivel (now that Robert has put him in his place) maybe he'll stop posting this crap...?

Super post!!!! As to Ronny "I know everything" your posts are laughable - Adults know how to manage their bank accounts period! You are now crowned Karl Jr

Thanks to my Father the CPA! for teaching me responsible banking practices even though I have screwed up my account in the past!!! I have learned my lesson and that was IT IS NOT THE BANK"S FAULT!!!

Attention overdrafters:

Just because someone is trying to help you balance your bank account doesn't mean that that person works for the bank.

Thank you for your time.

The Wonderful Wizard of Roz!  The Yellow Brick Road winds and climbs through the Land of Roz!  With so many sharp turns, its easy to lose track of the Wizards mighty accomplishments.  Heres a SHORT LIST of the Great and Powerful Wizard of Rozs many conquests!  I hope you have as much fun reading them as I.  When you have time, go to each linked ROR to read the FULL MEASURE of the man behind the curtain!  LMAO!  (Psssst.  Run, Toto, Run!)

The Wonderful Litterbug:

http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-general-complaint-i-52a25.htm

so I got a couple of bites before tossing the rest again out the window. I hope it doesn't kill any wild animals that find it, although they are probably smarter then me and will smell it and walk away.

When called out for his illegal littering, on a busy road, The Great and Powerful Roz rationalized that he really didnt litter because..wait for it.

Normally "food" would be considered organic and not actually be littering...

Yup!  There you have it!  This is why hes the Great and Powerful  Roz!  Never wrong, always right, always has to have the last word.  The rest of us poor schleps have to live within the laws of our society but not the Great and Powerful Roz!!!

Only in the Land of Roz, is littering not littering, is rambling with 30 page rebuttals and name calling considered debating and having the last post means a win.  LMAO!

The Wonderful Liar (AKA The Cowardly Lyin):

http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-in-vineland-nj-mcdo-a22ba.htm

but when I got it the burger was not at all like the picture or as described and it was cold and tasted like old socks and butt wrapped in a stale bun. I didn't want to complain because I figured they would just spit on the burger so I threw it in the garbage.

In the garbage Roz? In your ROR (see above wonderful litterbug) you stated you tossed it out the window.  While you were driving home on a busy street.  According to YOUR McDonalds ROR you didnt even open your burgers until you were driving home!  In this rebuttal you give the impression you were an eat in customer who tossed it in the garbage. If this rebuttal by you is the truth (making your ROR a LIE) me thinks you behaved more like the Cowardly Lyin  LMAO!

There you have it folks.  The Wizard of Roz excels at everything, including LYING! 

The Wonderful Author:

http://www.ripoffreport.com/banks/wachovia-bank/wachovia-bank-excessive-overd-844c8.htm

I used to teach at a school and wrote a textbook. I have written for a few publications and a home study course but I have not chosen writing as a profession.

Gosh. You wrote a textbook and yet seemingly know nothing about copyright law! 

The Wonderful Best Buy Associate (aka Best Buy Defender):

http://www.ripoffreport.com/appliances/best-buy/best-buy-best-buy-warranty-fr-95382.htm

Because in my 6 years associated with BesyBuy..

nor do they want to rip anyone off with intent...I feel they are very ethical and may be why they are surviving while places like Circuit City bite the dust...

I guess during your 6 years, you were not aware of the legal troubles Best Buy has had with some States Attorney General; illegally using software (copyright infringement by Geek Squad) and some unsavory business practices (duplicate Best Buy website with alternative pricing higher than what was on the public Best Buy website.)  When customers complained that the in-store price was higher than advertised on the public website, the associate would go online (actually an IN-HOUSE intranet site) to a different website to show the customer that he or she was mistaken!  Real ethical stuff!!!

Yes..I have been associated with this company for six years...including being a district trainer..so i know how it works...

Really?  Does this mean you were party to the copyright infringers?  Did you train Geek Squaders how to use software that Best Buy was using illegally?  Did you help set-up the TWO websites that Best Buy had, or just the in house one that associates showed customers with a HIGHER item price than the public Best Buy website?

I have worked with BestBuys across the nation..and there are different cultures in different locations regardless of SOP.

The Wonderful New ROR Editor:

http://www.ripoffreport.com/doctors/black-hawk-plastic-s/black-hawk-plastic-surgery-dr-abe38.htm

You really have no reason to make this person feel even worse, unless you are getting some kind of satisfaction from it? Or does it just make you feel important or better as a person to belittle victims?, Not very nice now, save that for the bank posts.

Thats our mighty Roz laying into someone who made a rebuttal.  Notice the Wizard of Hypocrisy?  Of course, he doesnt mention how HE treats ROR posters when they complain about Best Buy!  No not at all!

The Wonderful Subway Hidden Tax Finder (AKA thats MY 49 cents!):

http://www.ripoffreport.com/fast-food-restaurants/subway/subway-is-a-5-dollar-foot-lon-9ab86.htm

I was duped. I though it was going to be like Baywatch..but I traverse the streets dodging used condoms and drug bags, homeless beggars abound..I think they charge a fee to enter the 7/11..and instead of fresh ocean air breezes..I get to inhale pollution..feces, and urine smells. The pollution is so bad..

And so it goes!  This was heavy intellectual stuff that the entire world (those of us who are not blessed to live in the Land of Roz) had to know!  As it was, the Great and Powerful Roz actually posted a retractionerwell.sorta.

I would like to submit a "semi" retraction...

A semi retraction?  Is that anything like oops or I was mistaken?  Naw, couldnt be!  This is the Great and Powerful Roz!

The Wonderful Travel Agent (AKA Whats a branded credit card?):

http://www.ripoffreport.com/credit-card-processing-ach-companies/u-s-bank-national-as/u-s-bank-national-association-4b2e2.htm

False advertising comes to mind, which is against the law. If I were in your shoes I would start with a call or letter to the FTC if the bank continues to refuse accountability.

Rozzy is correct about a possible false advertising issue.  Except that any false advertising was made by Aeromexico, not the bank that administers the card.  We all know what happens whenever the Wizard of Roz detects the word bank in a report!

The Wonderful ROR Hijacker:

http://www.ripoffreport.com/banks/us-bank-us-bancorp/us-bank-us-bancorp-rip-off-f3dda.htm

Page after page of Rozzy wasting bandwidth.  A funny read if you have a lot of free time on your hands.  A simple ROR turns into The Wizard of Roz Show as Rozzy hijacks this posting to troll for fights; showing his true colors (and they arent emerald green) once again.  This one is so long it would probably smoke your printer if you attempt to print it! LMAO!

If that wasnt enough heres another example of The Great and Powerful Roz (AKA Chaseboy) hijacking a post!  Troll, troll, troll.

http://www.ripoffreport.com/banks/chase-wamu/chase-wamu-wamu-chase-bank-f225b.htm

The Wonderful Auto-restorer and PayPal/Ebay Defender:

http://www.ripoffreport.com/motorcycles/rebecca-sparks/rebecca-sparks-stephanie-wallo-e9de4.htm

Since this is ONE of my businesses, restoring older cars and selling them via online auction nation and WORLD wide,

I wish ROR would go back to the OLD search format which worked much better!

The Wonderful DC Engineering; 

http://www.ripoffreport.com/utility-companies/txu-oncar-energy/txu-oncar-energy-txu-my-electr-84c86.htm

Although I no longer reside in NYS, and am no longer a licensed electrician for home/industrial in NYS, I was a local 3 union electrician, as was my uncle, and Grandfather. I now specialize in DC engineering.

I guess this would be sorting out the red, black, and green wires in those restored autos!

The Wonderful Radio Installer (AKA Sirius Defender):

http://www.ripoffreport.com/satellite-companies/sirius-xm-radio/sirius-xm-radio-xm-radio-what-ca79d.htm

I am not actually a direct employee of Sirius XM..but I work for a company that sells and installs a lot of them.

Gosh! Is there anything you dont do or havent done?  Oh, I forget-The Great and Powerful Roz!  This must be more of that DC Engineering thing!  Lets see, author, teacher, engineer, auto-restorer, Best Buy Trainer.  Im overwhelmed-NOT.  Its getting harder to believe any of this crap!  LMAO!

The Wonderful Electrical Engineer (and Best Buy Defender):

http://www.ripoffreport.com/miscellaneous-electronics/best-buy/best-buy-warranty-lies-flint-d8fc7.htm

Number two, I am an electrical engineer, and white on the circuit board is a sign of water damage, and green buildup can be mold, or possibly corrosion build up, and this kind of damage is built up over time.

Wow!  From Best Buy associate and trainer to electrical engineer!  Whoooeeeh.  BTW O Great and Powerful Roz, the Best Buy customer stated that the stuff was on the OUTSIDE of the surround sound when Best Buy gave the item back.  No where did the customers ROR state anything about white on a circuit board.  It was white stuff on the OUTSIDE, as well as a water mark, and green stuff on the power cord!!!  But hey, you were too busy defending Best Buy and blaming the customer to even READ the ROR correctly.

This is not the way best buy became such a success.

Of course not.  Neither was the double website caper or the illegal use of diagnostic and utility software!  Yeah, Best Buy is a stand up company.  Go do a search for some lawsuits against Best Buy and read up on their past antics.

The Wonderful Ripoff Report Defender:

http://www.ripoffreport.com/banks/us-bank-us-bancorp/us-bank-us-bancorp-rip-off-f3dda.htm

they most likely will end up here, so it is important that information is accurate and all sides of the argument are offered so the site doesn't come off as a joke or biased, which due to this redundant banter, it may to some.

Now youre the self-appointed defender of ROR!  The reality is that your redundant hypocrisy coupled with your picking for fights POLUTES ROR!  Anyone reading your incessant novellas quickly realizes that your purpose is to provoke conflict under the guise of attempting to debate.  There is no debating with you-you act as a child.   As someone else has told you, its OK if you wish to be a hypocrite, just dont do so and pretend to be one of the good guys-youre not. You troll for a fight and play victim when called out on it. 

Let me know if you need any more reminders of your hypocrisy Roz.

We're off to see the Wizard, The Wonderful Wizard of Roz.
You'll find he is a whiz of a Wiz! If ever a Wiz! there was.
If ever oh ever a Wiz! there was The Wizard of Roz is one because,
Because, because, because, because, because.
Because of the hypocritical things he does.
We're off to see the Wizard. The Wonderful Wizard of Roz.

I have been noticing more and more lately, that certain bank defenders have been RESORTING to their age old tactic of topic diversion when they can't hold their own in a debate.. and bringing up completely unrelated posts in their once again feeble attempt to discredit me. It is getting rather old..but entertaining nonetheless. However, I need to stop taking the bait as I then become part of the problem. I just have to learn to resist the temptation and turn the other cheek, not easy for a professional debunker like myself.

Try to stick to the topic and debate if you disagree, or just not reply. Then all this bickering and insulting will end, and perhaps people here will take some advice seriously.

The report here does not require a lesson in accounting. Since the poster understands where he made the mistake. look at the numbers Stacey..not that many, are there?

The report was not requesting a lesson on how to add and subtract. The report was regarding the banks tactic, which caused what the OP believed should have been one overdraft fee, to be many. The OP also states this is a rotten thieving bank and he would like to move his business elsewhere.

I simply explained how his bank turned one legitimate overdraft into several RIPOFF overdrafts, and recommended a bank that will not do the same to him in the event of a similar mistake. Now maybe you think that rubbing someones mistake that they are aware of anyhow into their face, is more help then explaining information they were unaware of, that actually can help prevent it also, is somehow wrong?

And correct, I do bank with Chase now. And if I make a mistake, I certainly will not blame them. Like the OP of this report, I would take responsibility for my mistake. And also like the OP of this report, I will report here if the bank has done anything suspect, shady and unethical as well.


"I stand behind what I stated - keeping a register and reconciling your monthly Bank Statement is the only way to avoid overdrafting a bank account period!"

Not true. While I agree it is necessary to keep a register, there is no way you can guarantee it is the only way to avoid an overdraft. By being opted out of OD protection on the debit card, it is an extra safety measure and would have also prevented many many overdrafts. Because mistakes will happen, no one walks around with a CPA to check the math every hour. Merchants often apply unauthorized or unknown charges and holds. Tell me Stacey..how does the register protect you from an unauthorized or unknown hold? Because if this causes an inadvertent overdraft, you know d**n well the bank will say "there is nothing we can do".

And how can a register guarantee 100% no one will ever make a mistake again, and become victim to the kinds of tactics and unfair policies that a bank like this is still using? It can't Stacey, it is simply the right thing to do. Keep a register, and make sure the bank you use is not a rotten thief. Make sure you do not become a victim of a banks promise of "convenience and protection" when opting OUT of a so called protection service they automatically enroll customers into, is actually better protection.

Tell us Stacey, are you enrolled in standard overdraft protection on your debit card? If so..why? If not, why? Did you sign a contract stating the overdraft policies regarding debit card use, and was there a check box that required you to opt in or out? If so, can you post where they disclosed this?

I think the more responsible thing to do would be to opt out. And if you don't like your current banks policies, find another. Is that somehow bad advice? I see bank defenders say that all the time. Well either that, or the ignorant implication that all banks are the same.

Oh, you may be "proud", I can't debate that, but I think what you are actually proud of, is that you think you have made anyone feel bad.

Anyone can "claim" to be an advocate of personal responsibility. However, we should stick to the topic of a report, listen to what the OP's complaints are really about, and hold the BANK responsible for what they have been doing as well.  Responsibility to all parties involved. I am the MEGA responsibility advocate.

Here's the definition of "deceptive"... posting a banking history in a ROR and not showing the AVAILABLE balance.

How many times does this have to be drilled into overdrafters skulls? I'll go slow for you. Banks... must... pay.. from... the... available... balance... not... the ... account... balance... by... law... Did you get that?

In other words, since it takes merchants a few days for them to collect money from the bank, USB sets the funds you spent with them aside immediately from the available balance. The account balance just shows money physically sitting in your account. Now, we all know that not all of that money is yours to use since this figure shows uncleared funds from deposits, uncleared paper checks, and funds not yet collected by merchants, but promised to them.

So, my friend, you can have a positive account balance and a negative available one. My advice is to base your spending on the available balance, not the account balance, just like the rest of the world. Also, quit respending money that you've already spent at places you've used your bank card at.  

Seems like you flunked Accounting 101 in College where you learn all about DEBITS and CREDITS - that is what simple banking is all about -

Tell me what are you a CPA in California?? How many clients do you have?? How many audits have you been through?? My guess is non of thed above - According to all you rantings and ravings from McDonalds (where you ADMIT littering) to Best Buy you seem to have alot of time on your hands! OH I see that you do bank with Chase - good luck when you screw up your account and of course blame them for YOUR mistakes

I stand behind what I stated - keeping a register and reconciling your monthly Bank Statement is the only way to avoid overdrafting a bank account period!

PROUD defender of taking personal responsibility!

..who mentioned me in her reply, because she knows I will side with those that were subject to this scam. Thank you Stacey for furthering my cause by giving me more notoriety.

Lets review her profound advice and wisdom...

"OHHH you did not keep one did you?? Stop relying on online, atm and phone balances - when was the last time you reconciled your bank statement????"

The old "register" defense again. Tell us Stacey, in all your infinite wisdom, how the register defense is relevant in this report?

The OP admits he overdrafted, knows where he overdrafted, knows how he overdrafted, and is willing to pay the fee for that overdraft. So, with all due respect, how would a register in this case have made a difference?

Now before all the bank defenders come down on me with nonsense that I am somehow advocating irresponsibility, I state for the record..and I will even type it slowly and in caps...I-AGREE-CUSTOMERS-SHOULD-KEEP-AN-ACCURATE-REGISTER. IT-IS-NOT-THAT-DIFFICULT.

No debate there so don't waste our time.

"I am sure Ronny G from Hollyweird will be here soon to tell you this is not your fault - good luck - changing banks will not help you unless you learn to take responsibility for your monies"

The only help he needs judging from his report, is to understand why overdraft fees were applied to transactions that even his REGISTER would have stated had the funds.

I think he got his answer.

Now what the banks may tell him, is this is done as a "courtesy", because the larger debits are more important, so they pay them first.

Well it is posted what the amounts were. It seems to me by all the transactions being relatively small, that the bank would have no way to determine, or to assume by amount which was the most important. AND, it seems quite apparent, that they covered them all anyhow.  Hmm..

Now Stacey is trying to provoke me by calling where I live "Hollywierd", but what is actually very "weird", is that Stacey's advice is IRRELEVANT in this case, and that clearly if he had changed banks to one with more fair policies such as Chase, that it would have helped him avoid all but the one fee he ADMITS he is responsible for.

Explain your way out of that one oh mighty guru of the register and giver of such "caring" advice. No more nonsense please.

...but, he left out a few "minor" details. That this bank is currently a defendant  in a class action lawsuit (along with several others) for.....transaction manipulations with a DEBIT card used to maximize fees, cause fees for transactions that had the funds at the time (sound familiar) and,  failure to disclose.

You can do a google search for more information, I don't want to take up too much space here, I do that enough.

For now, I would recommend Chase bank if you don't want to search for a credit union or local smaller bank.

Regardless, all banks are being forced to make some changes soon due to new laws, yes, unfortunately the problem was so wide spread, the Feds once again had to step in.

A friend of mine (who happens to be a UCLA law student) just opened an account with Chase under my reccomendation, so I hope they do right or I may be in trouble with her. They gave her $100.00 for using direct deposit, They disclosed the overdraft fee policies regarding the debit card with a real contract, and she is smart so she opted out of overdraft protection on the debit card anyhow.

And also to note, Chase does not manipulate transactions anymore, so even if someone makes the mistake of opting in to the protection, all debit card transactions are posted in the order they occur, so a mistake that can lead to an overdraft, will ONLY be charged a fee for the legitimate overdraft, such as what should have happened in your case, and why this bank is now a defendant in a major lawsuit. I should note Chase is also a defendant in the lawsuit, but like a few other banks, have decided to make some changes on their own this year.

Oh, and Chase has limited the amount of overdrafts a day to 3 maximum vs, 6, and if you mess up..they actually allow a "float" now. That's right, in the event you catch yourself messing up, you have until the end of the business day to cover it with a deposit and avoid a fee.

Another fair policy is if you do overdraft and can't cover it that day to avoid the fee, they give you a week until they charge additional, I guess they feel the fee is high enough as is. Of course the customers need to be careful not to spend what they do not have, but history clearly shows people are human, and make mistakes. The horrible economic conditions and job/hour cuts have caused many who never experienced financial hardship, to keep a low balance and live paycheck to paycheck, which is a dangerous enough situation without your own bank taking advantage of their customers difficult situation.

Those who decline the OD protection do not have to worry as much regardless if they use the debit card instead of cash, but at least these policies are more fair, and are actually not using deceptive means to encourage a mistake. Sure, Chase is still using some strategies to encourage opting into standard OD protection, because they stand to lose a lucrative source of profit if customers wise up, but by disclosing important information, and not manipulating transactions, they may avoid future suits and legal issues, a smart move.

I expect most banks will follow suit. Be more careful in the future when choosing a bank, we can all agree on that.

Make sure that you thoroughly read and understand the terms and conditions before you start authorizing transactions. For example, US Bank's account agreement clearly states that they may authorize transactions that result in a negative balance at their discretion. They also state that they may process transactions in any order (including from highest to lowest.)

If these methods do not work for you, do not open an account at any bank that uses them.

OHHH you did not keep one did you?? Stop relying on online, atm and phone balances - when was the last time you reconciled your bank statement????

I am sure Ronny G from Hollyweird will be here soon to tell you this is not your fault - good luck - changing banks will not help you unless you learn to take responsibility for your monies