Apparently I can not have an Automatic Deposit and an automatic withdrawal on the same day.

The say the withdrawal was pending so they charged an OD fee of 37.50.

They can see the pending transaction and the pending deposit, but they still get the OD fee which is pure gravy for any bank.

To stop the OD charge every month I have to get the date changed on my automatic withdrawal. This is incontinence for me, plus costing me every month until I can get it changed. This is modern day Highway robbery.

Some Customer Service!!!

US Bank. Let’s call it extortion. I set up an account (1-534-5021-9255) with US Bank in Davis California so I could have a debit card to use occasionally on the Internet. I can not get a credit card due to poor credit. I kept a very small balance in the account so that I could control it and not allow unauthorized charges to occur. After having the account for over a year or so with it operating just as I intended, an unauthorized charge occurred and US Bank let it happen. Of course that put the account in the red and then US Bank started putting fees on top of the unauthorized charge putting it further into the red. As soon as I got my statement, I brought it to US Bank’s attention that there was an unauthorized charge and they reversed the charge but never took their fees off. I got all sorts of excuses but no results. Before the unauthorized charge went through, my account had a balance of about $20 in it, now US Bank wants over $300 to clear the account. In addition US Bank has reported me to a bank clearing house and no other bank will give me an account until I satisfy US Bank. I call that extortion. If I did the same type of thing, I would go to prison for extortion, in banking is that the way it is? That is wrong.

U.S. Bank Caught! Alleged Insurance Fraud! Hanover Michigan

U.S. Bank
Phone: 800-USBANKS
Fax: 513-632-2424

Minneapolis, MN
Hanover, Michigan, 49246
U.S.A.
Submitted: 3/3/2008 3:17:53 PM

On Feb. 7, 2008, our 2003 Ford Focus Wagon was stolen. First question out of the 911 operators mouth was; 'Were we in default?' I said; 'No!' Just to make sure there wasn't some bureaucratic mix-up, I called U.S. Bank Customer Service, TWICE! The second time while the sheriff deputy was here making out the stolen vehicle report. In fact, when I called the second time, the rep wanted to assure me that 'nothing in your file remotely suggests a repo!' My payments were current.

At this point, my wife and I are scared. We are worried that serious crime had now worked its way from the city to our little country village. We waited ten days for the insurance paperwork and the mandatory two weeks to declare it officially stolen. At this point the claim was settled with our auto insurance company, titles and keys sent to the insurance agent and checks addressed to U.S. Bank and to myself.

But hold it! Why the difference in the pay-off I received on Feb. 13, 2003 and Feb 29th? I called U.S. Bank to find out why. At this point, I was suddenly referred to their 'repo' department! Things started to unravel for U.S. Bank.

What? I screamed up and down that 'you lied to us and misled the insurance company!' They declared that because of my Chapter Seven bankruptcy in 2005, they could repossess my car at any time for any reason. This actually is not true, since an exemption was placed on the vehicle, OK'ed by the U.S. District judge and payments continued as usual.

We actually feel pretty good about this after thinking about it. Yes, we had to dip into our savings for a down payment on a new Pontiac. However, if U.S. Bank is claiming the Focus was discharged and we were paying on the security of the vehicle, then we owe no money.

Luckily, the auto insurance company stopped the check before they cashed it. But U.S. Bank was willfully and knowingly COOPERATING with our insurance company just as if this was a stolen vehicle! We still do consider it a stolen vehicle. If we find a 'repo' in our credit report, I am going to have it changed to 'Discharged Under Bankruptcy' since I have a letter from U.S. Bank that mistakenly claims this.

I just hope they don't bring the car back and dump it in our yard! They stole it, in our family's opinion, so they are now the proud owners of a 2003 Ford Focus. We just love our NEW Pontiac G-6! But watch it folks! If you've gone through Chapter 7, they might take off with your car and then let the insurance company pay for it!

Bill,
Hanover, Michigan.

In the world of big banks getting bigger we have fallen prey to their tactics when leasing a car. My wife and I have never leased before and thought it may be a nice option. Well, it was NOT! Be aware of US Bank, they have no concern for the leasing customer(s)!

After leasing the car, we took out the carpeted mats to preserve them so when we turned the vehicle back in we would not be hassled. Boy were we wrong. They charged us for additional wear and tear, door dings. We even added tires at our expense! My wife is a school teacher driving 20 miles round trip for the three years and a couple of family vacations, so the use was less than a traveling salesman.

OUR SUGGESTION DO NOT LEASE WITH US BANK AT ALL, IF YOU DO MAKE SURE YOU READ ALL THE FINE PRINT BECAUSE THEY WILL REFER TO IT TIME AFTER TIME. THEIR OPINION OF WEAR AND TEAR IS GOING TO BE MUCH DIFFERENT THAN ANYONE ELSE'S OUT THERE!

US Bank is a conglomerate of thieves!!! 7 years ago, they printed out checks to some one else with my account number on the checks. The only way I found out was that the people bounced a hot check at my place of business, with my name on it!!! Come to find out, they had over-drafted my checking account by almost $3000. I finally got this issue straightened out through the court system, but US Bank charged me with a $500 over-draft protection fee!!! I will not pay this fee and I am still receiving harassing phone calls from collection agencies over this. It has put a permanent black spot on my otherwise good credit rating, and after trying to resolve this issue in numerous ways, it is still a problem after 7 years.