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Report: #449843

Complaint Review: Us Bank - Hood River Oregon

  • Submitted:
  • Updated:
  • Reported By: Hood River Oregon
  • Us Bank www.usbank.com Hood River, Oregon U.S.A.
  • Phone: 541-3863110
  • Web:
  • Category: Banks

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Had $5 balance so I could cash checks written on US Bank. They claim a monthly account statement was returned by the postal service, and charged my account $7. This caused a $2 overdraft. They made no attempt to contact me, and even let me cash checks without mentioning it. The entire time, compounding, multiple daily overdraft fees were levied.

Eventually, the balance reached nearly $400 owed. Branch manager agreed with me that a non-disclosed fee should not have been charged, that a fee not incurred through my actions should not overdraft my account, and that they should have notified me sooner. She misinformed me that it would be handled internally, and they began hiring collection agencies to harass me at work.

This, plus other abuses I suffered at the hands of US Bank (ie no pretection from credit card fraud that was reported within 24 hours of occuring, numerous baseless fees, etc), have left me disgusted with this bank, I highly recommend that anyone with a US Bank account immediately abandon this bank immediately. Choose a credit union, such as (((redacted))) instead.

Sharkbomb
Hood River, Oregon
U.S.A.

sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company, ..plus, if you post a competitors name more than likely they will show up on search engines as a Rip-off! - - your comments on this policy are welcome. CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report. In this case we removed an alleged competitor's name

This report was posted on Ripoff Report on 05/08/2009 03:08 AM and is a permanent record located here: https://www.ripoffreport.com/reports/us-bank/hood-river-oregon-97031/us-bank-overdraft-caused-by-fees-from-returned-statement-hood-river-oregon-449843. 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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REBUTTALS & REPLIES:
1Author
4Consumer
0Employee/Owner

#5 Consumer Comment

"Hugh A**"

AUTHOR: Chris - (U.S.A.)

POSTED: Saturday, May 16, 2009
That's very clever by the way (obvious sarcasm). The bank caused the overdraft. I'm not sure what kind of charge this user is referring to, but no one but the customer can legally cause an overdraft. The bank broke the law here. Unless I'm missing something the bank could be in serious trouble.
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#4 Consumer Suggestion

Ummm...

AUTHOR: Hugh Jass - (U.S.A.)

POSTED: Friday, May 08, 2009
This fee is in your Deposit Agreement which you signed when you opened the account...
Pay the fees and get over yourself!!

There is this nifty new thing called bank by phone; why don't you use it at least once a week
to keep tabs on your account?

NO RIPOFF HERE!!!
US BANK WINS AGAIN!!

Have a nice day!!
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#3 Consumer Comment

Nope, you still lost.

AUTHOR: I am the law - (USA)

POSTED: Saturday, March 20, 2010

Let's assume, Sharkbomb, for just a moment that you're not completely full of it.  Even if the returned statement fee started AFTER you opened your account. That document you signed way back when stated that you will accept changes to the account in the future and USB has to a reasonable attempt notify you in writing.

Ok, so let's say that the change notice got lost in the mail. That policy is still written in black and white on their website and on bank documentation in ANY branch. So your argument still won't work. You lost. Move on.

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#2 Author of original report

Strange comments

AUTHOR: Sharkbomb - (U.S.A.)

POSTED: Friday, March 19, 2010
Greetings, agents of US Bank that posted responses. 

I just wanted to clarify that, as my original post stated, I went over the signed agreement with the branch manager, and she agreed with me that it did not mention anything about a $7 fee for a returned statement.  So, no, it was not a fee that was disclosed, and no, it was not a fee that I agreed to. 

Also, all mail from US bank to me before, and after the allegedly returned statement made it through.  No address change occurred, no mail routes changed, no renumbering of houses on my street occurred--to be clear: absolutely nothing changed. 

I agree that it can be a hassle for a bank to contact someone by phone, but perhaps if the tellers had advised me of the flagged status on my account each of the 5 times I came in to cash a check, before the fees had compounded to over $400, this whole problem might have been averted.  Poor customer service at the very least.

None of the problems outlined in my post have existed at my credit union.  I do keep track of my purchases regularly, and I am always aware of justified fees.  The assertion that I just haphazardly wandered through this, provoking US bank to overdraft my account for ludicrous reason, is as far from accurate as you can get.

So, no, US bank does not win again.  I hope they do not dock your pay for having your puffery rebutted.
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#1 Consumer Comment

Returned statement

AUTHOR: I am the law - (USA)

POSTED: Thursday, March 18, 2010

Ok, your statement was returned to USB which means one of two things.


1. You never changed your address with the bank (or at least made sure it was right)


or


2. It's a problem with the post office


Either way, this doesn't strike me as bank error. Besides, how could they mail you an overdraft notice if your statement is being returned? And please don't give me that "well, they need to call me on the phone" crap. If USB tried to call every overdrafter every day, they'd never get anything else done. Also, it sounds like you didn't check your balance for, by my calculations, roughly fifty days. ($8 daily negative balance fee times fifty days equals $400.) That tells me you're not exactly vigilant with your finances anyway.


And by the way, the fee was disclosed to you when you opened the account. You actually signed a document stating that you have read, understand, and agree to all terms of the account, including the returned statement fee.

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