I made a purchase one night and I did not have enough money on my account to cover it. I knew that I could go the next morning and deposit cash, so that I could have the money available right away to cover that purchase. I went to my bank and I attempted to cash my checks and then deposit cash .
The representative says he can't cash the check or take cash because the system won't permit it. I was told the reason was that my account was -$148.00.
I said that I was trying to prevent paying an overdraft, and I wanted to deposit cash.
He told me that I could only deposit checks. I deposited my checks and then he assures me I won't have an overdraft, and that my money was going to be available that night. I went online to check my account, and of course the bank did not have the money available until the next day and I was charged 2 overdrafts. I had 2 purchases and the bank paid the higher amount first so that I was charged 2 overdrafts.

I went back to the bank and somebody else tells me that I could have prevented an overdraft if I deposited cash. I explained to the lady what the othe representative said, and she said it was not correct, I could've deposited cash. I went to talk to the representative that lied to me, and then he lied some more saying that he had advice me to cash my checks somewhere else. he was so rude, and kept lying, I said to him why would I give you checks if I had the chance to cash them somewhere else to prevent paying overdrafts?. I am taking my money somewhere else, and complaining to the OCC

On December 1, 2008 I have became a victim of identity fraud. All of my personal information was stolen and I was advised to close all of my accounts. The same day I went to my local US Bank branch located in Meijer in Rolling Meadows (1301 Meijer Rd, Rolling Meadows, IL 60008 ph#847-228-7244) and closed my savings account. At first I wanted to keep my checking account open because I was waiting for some transactions to be cleared. On December 4th I have received an email notification from US Bank that my address on the checking and money market account has been changed and if this is not correct I need to come in to the branch. I left my work and went to the Rosemont location (9575 W. Higgins Rd Rosemont, IL 60018 ph#847-318-6300) and talked to the branch manager Doug Karlic. I explained my situation and told him to close the account as soon as possible even though some transactions are still pending. I was told that it will take up to 48 hours for the system to close this account. I advised him to close it so I can have this issue resolved by the end of the week. Few days later I went to Elmhurst branch (536 S. York Rd, Elmhurst, IL 60126 ph#630-833-2200) to close the money market account. I needed to go there with my aunt who was a primary person listed on this account and she opened this account at that location and we were told I will not be able to close this account without her signature. Again, we explained the situation and ask for the account to be closed. Everything was done the same day and money market account was successfully closed. I asked the customer service representative about my checking account and was told it is still open after 48 hours later. She advised me to call the customer service 800’s number and talk to them. I placed numerous phone calls to their customer service department and every single time I was told a different thing. Basicly they told me that they will not be able to help me with closing that account because I have to go to the branch where the account was open which was Elmhurst branch. After calling them they said that the closing of the account can be done at every US Bank branch. When I told them that I already requested that at Rosemont branch they directed me over there. So I went there and again was told that this will take another 48 hours because the system didn’t recognize the previous request because I had some transactions pending. I said I wanted this account to be closed right now and I’m willing to pay any fees but I want everything to be closed. I was promised it will be closed in the week. Today is March 23, 2009, four months later and my checking account is still open. I just received a statement from US Bank saying my ending balance on the account is $0.28. I truly don’t know what to do anymore. I called customer service so many times and visited the branches few times, talked to many people at US Bank and no one is able to close my account. I wonder how hard it is to close the basic checking account. US Bank never apologize for anything. This entire process took a very bad toll on me. I was constantly stressing out that someone will try to access my personal information on that account, especially when someone already tried to change the address on this account.
I have been US Bank customer for over 6 years and I will never do any business with this institution ever.

I need to get this out in the open about how US bank is ripping off hard working people like me. I have been a US bank customer about 12 years and they have ripped me off for the last time. Last Thursday I checked my account online for the balance and it showed $-7.00 dollars because of three transaction from earlier in the week so on Friday I went into the bank and deposited $20.00 to stay current.

While in the bank I asked the teller if I would be okay and not get any overdraft fees and she stated that my account was not charge yet for the $-7.00 or for the three other transactions and I would be fine because I deposited $20.00 dollars and I had a balance of $13.00 that would cover the three transactions showing.

I then checked my online account saturday and there was two more charges from earlier in the week, I ran to the bank and deposited $110 check and then $170.00 cash by the ATM. My account showed the deposits and it looked like I was in the positive but it already showed three overdraft fees of $35.00 each. On Monday I looked at my account and it showed two more overdraft fee of $35.00 even with the deposits. Then came Tuesday and I was charged two more overdrafts of $37.50 plus a negative change of $24.00 total ripp off of $274.00.

I am going to my credit union because when you use your debit card the money comes out of your account immediate not four days later. Stay away from US bank they are scheming on hard working people who live paycheck to paycheck.

So there is 600 dollars in my account and 5 pending transactions on Monday.

I rent a car on Wed. and they authorize for more than the available balance.

3 transactions go through Thursday and accrue 3 overdraft charges that amount to over 100 dollars in fees... even though the actual transactions occurred days before the car rental and even as I write this, there is enough money to cover them as the car rental and the other 2 pending transactions from before the car rental still have not cleared. In the end I anticipate that because the car rental was so cheap but they authorized for so much more than it actually costed, I'm going to have over 200 dollars in fees but my actual balance will never have actually gone into the negatives EVEN AFTER THE FEES.

So thats right, at the end of the day there is enough in my account to cover the actual transactions AND the fees that are apparently being charged because "there wasn't enough money" WITHOUT ever actually going into the negatives.

About 3 months ago I started making a good deal of transactions between my bank, pay pal, and various other sources. A couple slight errors were made but were quickly fixed with a simple phone call, and a little conversation. The bigger problem started a month ago.

I had sent $45, to my pay pal, to purchase some items for resell. The money never went to pay pal, instead seemingly vanished. The same evening, I used my bank card for another online transaction for $8, and a second for $5. Over the next couple of days, the payments were authorizing, which I was used to when checking my online account. I also keep a bank record of my own, but I enjoy the convenience of knowing when my payments went through so that I can anticipate my packages arrival date.

About a week later, I had received no shipping confirmation, and emailed the companies I made my purchases from to make sure the order had not been canceled by mistake. Both companies informed me that they had not received the money from my bank, and thus assumed I had not sent payment yet.

I called the bank the next day, and they told me that they did not send the money. I was confused because it was taken out of my account which they clarified themselves. They said they would correct it and I was content for the moment.

I checked my account online again the next day, and noticed that I had been overdrawn, and couldn't understand why. I again called, and they explained they mistakenly took the money out of my account, and sent it again. Only they couldn't figure out where they put it, and it appeared that it had just been deleted. They said they would put the money back, send the original sum to the companies it needed to go to, and wave the overdraft fee. Fair enough, I let the bank do their job, and hoped for the best.

I received an email from one of the companies a few days later, stating they still had not received payment. Once again I made a call to the bank, this time I received the same amount of help I would have gotten from from a fallen tree gathering moss. I asked her if the funds could be put back into my account, since it was never sent to the destination at hand, and simply taken out of my account. She told me no, and I quote 'we do not make practices of reimbursing funds, and it is not our affair.'

I went to the main branch to close out my account, with a little over $7 in it, since they did not put all the money back that they said they would. They then informed me that they had frozen my account, and I could still close it out for a fee of $25, plus the overdraft fees, that 'THEY' caused.

So now I have paid twice for things I will never get, and no one is the wiser of exactly where the money ended up, and I have a bank account that I can't use.