US Bank - Iowa City Towncrest Office Asked For Help, Was Blantantly Lied To Iowa City Iowa

I am a college student who ended up unemployed and in and out of the hospital for several months. I maxed out two lines of credit with US Bank and had overdraft fees during that time. Two months later I had a job again and went into the Towncrest Office to ask for help setting up payment plans that I could afford so that I could pay the money back and salvage my credit. In the four times I have gone there, I spoke with a banker and a branch manager.

The first time I went, the banker said that they could set up a loan, one where my credit didn't matter which was more expensive, and one which it did matter. I told him not to apply for the credit one since I knew it would not go through, but he did it anyway, telling me he would call me back. He never called, and when I finally got a hold of him he said that I'd been denied a loan and there was nothing he could do, not even the other option he had told me of originally!

I spoke with the branch manager and he said that since my credit was so bad that there was nothing they could do. He made a big show of calling around to try and "help" me, but all he told me in the end was that I all I could do was throw money at the accounts when I had extra. I did my best, but I was obviously having a tough time.

During all this time US Bank was debiting my open (positive) account to pay for the overdraft without warning me.

It wasn't until they debited my account while charges were pending on my debit card and completely wiped out my account and gave me four overdraft charges that I actually got help. I called the customer service number in tears because that was the last of my money to survive on until my next paycheck. The lady transfered me to Recovery, where I spoke to a very nice man that said I could of done something for MONTHS. He was severely pissed that the branch had not told me that I could of called them; apparently I was supposed to get a letter from Recovery but it had never shown up. He told me to speak to the Branch Manager to get the overdraft fees reversed and set me up on a payment plan.

The next day I get a call from someone that was actually the person who handled one of the my lines of credit that no one had ever told me existed. I finally got ahold of another person for the other line of credit, and they all set me up for a Hardship program that I could afford without any trouble at all.

If I'd known about this before I could of saved myself hundreds of dollars. I told the Branch Manager how I had gotten ahold of Recovery, and he was like, "Oh, yeah. You could of contacted them. You should of gotten a letter." Not only had he failed to tell me that, he failed to tell me that my account was technically handled by another branch completely! He finally told me I had to go there to get the fees reversed.

I've been lied to and at this point feel stolen from. As soon as I repair my credit I will be moving to a different bank. I would suggest steering clear of US Bank completely, but especially that branch.

B.D.
Iowa City, Iowa
U.S.A.