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Report: #219102

Complaint Review: US Bank - Medina Ohio

  • Submitted:
  • Updated:
  • Reported By: Medina Ohio
  • US Bank 830 N Court St Medina, Ohio U.S.A.
  • Phone: 330-725-4139
  • Web:
  • Category: Banks

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I have read a lot about US Bank in the past three months, it's always funny how I end up reading a lot after the fact. I could only hope that by writing this maybe it will help others in this situation. I am novice at being a grown up, I mean I have been a mom for 11 years and I try hard to do all that you think is right or best for your family, but to actually research a bank, well I just wasn't smart enough to do so and have learned some vital lessons from not doing so.

My fianc and I decided that we wanted a bank that was close, convenient, and not so corporate. We looked at a few brochures and decided that since his payroll checks were US bank and it was small and local we would try it out. When we went into the bank the woman was very kind and helped us right away. (Now mind you, we weren't wearing are every day work clothes) Well After 2.5 months we have an issue... We bounce a check, now at this time im not sure how, but I instantly blame the fianc for not telling me a receipt or a check. We weren't using online account at this time, so I blamed him and we took the domino affect of four more things bouncing because of the first thing. (Not sure if it is bank law, but this bank holds all other debits, credits, and checks in a pending mode while they first assess the fees.) Two weeks later it is deja view for us, a check bounces and 15 NSF fees are assessed to our account. The story He deposits his US Bank payroll check at 7:50 am of Friday into the atm and we use our check cash card on Saturday and Sunday Well the use of our card goes through but our check is held until the fallowing Tuesday, unknowing to us we are now negative 815.00 when we deposited 485. and only spent 112.00 on that weekend. We used the card at McDonalds, my son's football game, the gas station, grocery store, and so on, all while each charge was being charged a 30.00 then 35.00 charges. It was a nightmare After being treated as horrible as a human should be treated we left scared, sad, and dismayed at these people who claim to care about their customers. Now... Just so you know, in a month's time we only deposit 1600. and the bank had charged us 1200 at this time. We were literally negative 1,168.00. So, we continue to fight this, until finally the bank agrees to refund our money but only 685.00. leaving us still paying over 300.00 in fees not including late payments to our bills and two checks they had returned + plus the fees we now owe those companies. By this time we are just drained and agree because we are slowly drowning and haven't used a dollar of the 900.00 we have deposited in two weeks A week later a check for 69.00 goes through, the same check that had been set back twice and told to us it wasn't allowed to be resubmitted so we would have to take care of this issue on our own. Not counting that 69.00, I get scared and deposit cash to cover the things I was accounting for. Well all is good until the same 69.00 check goes through. Same check number, same amount, same merchant, and the bank send it through again... I email them right away saying, hey this check went through already, they reply that I need to fill out a complaint and dispute it and it could take sixty days to resolve it. I then call, they say well we will look into this and let you know within ten days, I then threaten a law suit and get a temporary 69.00 deposit while the dispute is in review, ALTHOUGH YOU COULD CLEARLY SEE In this time I was hung up on, talked down too, and treated as if I was poor trash. Now as if I wasn't smart enough to runnnnnnnnnn. It all happens again.. The hold our check, then our cash, and send through debits and bounce our checks. I print up all my evidence, take in my receipts and ask politely how come I made a deposit on the 28th and it is held until the 1st but all these debits were made after and sent through She tells me they cant help me they have already reversed the fees on my account once.. Even though it was their error and they MUST have seen it though they never apologized, amounted up to it, regretted it, they did take off most of their theft charges This time they won't even speak with us as they look at the account history and see a bunch of errors and take us to be poor people that they can easily take advantage of. I would like to sue them and have sent out a few requests about doing so, not only because I have the evidence in plain writing from their online banking, their tams, and their inside deposit slips, but because it should be against the law to be mistreated that you just feel horrible.

Autumn
Medina, Ohio
U.S.A.

This report was posted on Ripoff Report on 11/04/2006 12:41 PM and is a permanent record located here: https://www.ripoffreport.com/reports/us-bank/medina-ohio-44256/us-bank-rip-off-fraud-beware-look-out-us-bank-is-a-scam-medina-ohio-219102. 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:
0Author
9Consumer
0Employee/Owner

#9 Consumer Suggestion

The entire problem here was doing an ATM deposit on a Friday!

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

POSTED: Friday, December 29, 2006
This problem is painfully obvious.

A deposit made to an ATM is NOT treated the same as an inside deposit. That ATM has no idea what you are depositing, IF ANYTHING. And, only being with the bank for 2.5 months makes your account probationary. Tighter funds availability restrictions apply anyway.

If he deposited it to the ATM on the wall of the bank, sometimes the bank does their own inside ATM and the check MIGHT have then been posted by Monday. Maybe.

If it was a drive through ATM, that usually gets done by a third party security company. If this deposit was done at the drive through ATM, there is a very good chance that the deposit would not be posted until Tuesday.

All of this is clearly disclosed in the funds availability act of your account terms and conditions.

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#8 Consumer Suggestion

The ATM can't really tell the difference between a deposit on USBank or any other bank at the moment of deposit.

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

POSTED: Friday, December 29, 2006
If this was an ATM deposit, I can see why the funds might not have been made available right away. The ATM can't really tell the difference between a deposit on USBank or any other bank at the moment of deposit. If the ATM was reading the check itself, and not just accepting an envelope,then there'd be a chance... I doubt we'll see that technology anytime soon, though.

Best thing to do would be to get Direct Deposit or just make your deposits at a human teller that can hopefully tell the difference.
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#7 Consumer Comment

my two cents

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

POSTED: Friday, November 10, 2006
I am not responding to defend this bank or not defend this bank but mearly to explain why not all funds are made immediately accessible when deposited into an atm. A major reason being check clearing. Now I know that most people are honest but as a business you have to protect yourself. Say you deposit a check from a business who doesn't have the funds to cover the check. The check is 1200.00. If they allowed all the funds to be available immediately you could go spend that 1200.00 the same day. The next day that check does not clear. The bank is now out 1200.00. Yes that would not be a large amount to a bank but a loss is a loss and anyone who works in any industry has heard the phrase loss prevention.

So say 1000 people that day deposited 1200.00 checks that did not have funds to cover them, suddenly that 1200.00 loss becomes a 1,200,00.00 loss. Yes I am exagerating but I hope you get my point. Another reason is the practice of "kiting checks". This is where people will deposit a check from one account to another without having the funds. They use money they don't have and the next day write a check from the second account to the first without available funds.

Basically using money from both accounts they don't really have. Again I am not saying that everyone would do this but again it all goes back to loss prevention and the rules all banks set up is to cover there losses. Everyone works for a business that wants to lessen the likelyhood of losing money.
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#6 Author of original report

An Edit...

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

POSTED: Wednesday, November 08, 2006
I guess I did this thread wrong... It is ok that the bank holds their own checks; it is ok that a bank sees the money was posted in there and after all was approved and verified to be ok; they won't reverse it, for (NEW) unknowing customers. It is ok that the bank took all the cash out Friday morning and sent the check elsewhere where it didn't POST until Tuesday; it was not available until Wednesday. All this is ok... I mean LEGALLY... I also understand in person and atm are completely different and atm will take a lot longer.

So maybe I should be warning JUST potential customers and ANYBODY else in America (or other countries) who may happen to make a mistake in their life time
Not because it is illegal but because if there is something I can do to make where I live better for my children's future, then I shall try.


What's not ok (as Glen Beck would say)
It is bad ethics, bad relationships, and just bad business (well not for the bank).

I have NEVER seen so many rude people in the same place before in my life. I realize now why Ethics is a mandatory class in business majors. I realize that bank tellers and even managers don't have to take classes to do their jobs.

My warning should have been for anyone who is good and generally tries to make life a better one for them and the people they love stay clear of US Bank. They are not told be caring or friendly, there is no ethic class, and maybe they are schooled on how to say no to their customers (like the silly commercial for capital one)
I apologize for the fist part of my posting, it isn't a legal issue, US bank ripped me off, but they did it legally.


My advice is to PLEASE research your bank, talk to the people; you can see a lot about a business by the way their employees behave.
Listen Please We are a world that runs almost solely on money; our lives are literally enslaved into money. We can not eat, live, get nourished, and drive, without money. It isn't like it was in the days where tribes cut down their fruit, you must buy fruit, you must buy land to grow your own fruit, and MONEY is the key. So I say as a mom, a student, a worker, and a person... My advice is to research who you may be trusting your life (money) with
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#5 Author of original report

thanks for responding

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

POSTED: Wednesday, November 08, 2006
Robert, if you work for US bank I must tell you, YOU are the nicest person I have dealt with that works there, HOWEVER, Dave's right. They are PAYROLL (cut from US Bank) checks and I specifically asked the woman if there would be a hold when I opened the account because that is why my fianc wanted the account.

Also I get the difficult issues that all banks have when handling finances, but it isn't about that, even if the check wasn't A US BANK PAYROLL check or the cash wasn't really cash, and subjected to final approval, it does not justify the fact that EVERY SINGLE PERSON I had dealings with were rude, disrespectful, and plain out UN-KIND!

The fact truly is that I warn all who reads this to be careful. Really, and I am not saying it for my own benefit, because I am past the point of being careful. I feel sorry for anybody who deals with this bank and Im honestly not being prejudice, it is and has been a truly horrible experience and I wish this upon no one.

Thanks Dave for the suggestion of the credit union, at this time I have had a meeting with a lawyer and will proceed from there. I am a full time student who has been a single mom for more than 8 years and I have never had any kind of bad credit until now. I have so many bills that I can't even attempt to pay because the bank has taken more than half my monthly salary twice now.
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#4 Consumer Comment

EFAA

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

POSTED: Wednesday, November 08, 2006
The last poster is not entirely correct. The "Expedited Funds Availability Act" provides that funds deposited IN person with a teller and drawn on the same bank must be available the next banking day. Deposits not made in person to a teller must be made available the second banking day.

If deposited Friday A.M. into the ATM as the OP indicated the bank is not required to make the full amount available, even if drawn on the same bank, until the second bank day following - in this case Tuesday.

While I am a staunch advocate against manipulative posting by the banks as well as their exorbitant fee structure, in this case waiting for funds availability would have prevented the problem.
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#3 Consumer Comment

EFAA

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

POSTED: Wednesday, November 08, 2006
The last poster is not entirely correct. The "Expedited Funds Availability Act" provides that funds deposited IN person with a teller and drawn on the same bank must be available the next banking day. Deposits not made in person to a teller must be made available the second banking day.

If deposited Friday A.M. into the ATM as the OP indicated the bank is not required to make the full amount available, even if drawn on the same bank, until the second bank day following - in this case Tuesday.

While I am a staunch advocate against manipulative posting by the banks as well as their exorbitant fee structure, in this case waiting for funds availability would have prevented the problem.
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#2 Consumer Comment

Not the real problem Robert

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

POSTED: Tuesday, November 07, 2006
She says that this is a payroll check drawn on the SAME bank. Payroll checks, by law from what I have heard, must be made available immediately. ESPECIALLY if they are drawn off the same bank.

No, the OP is correct on this one. This is a blantant tactic used by US Bank to rip off the public. There is no reason on earth that payroll check should be held, unless there are no funds in the employer's account. Assuming everything is ok with the employer, that check should've been made available immediately.

I deposit personal checks in my account, and they are readily available, I never have to wait even if I don't have enough money in my account to cover it.

My advice is to seek out a credit union!
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#1 Consumer Comment

Funds availability.

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

POSTED: Monday, November 06, 2006
The problem, if I read your report currectly, appears to be funds availability issues.

If your fiance' deposits his paycheck on Friday AM (whether by teller or ATM), it does not post to the account until that Friday. The funds from that check deposit do not become available to draw against until the next business day, in this case Monday. Can your fiance' have his pay direct deposited? That way the funds are available on the day it post's to the account.

Have a look through you account terms and conditions. There should be a section in it that explains the bank's funds availability policy. There should also be a section in there concerning check card usage, holds on

I can get all rather complicated between funds availability , check card funds holds.
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