Comments on: US Bank Sucks http://choreographedcacophonies.wordpress.com/2008/07/24/30/ Thu, 18 Jun 2009 01:31:38 +0000 http://wordpress.com/ hourly 1 By: Nicole http://choreographedcacophonies.wordpress.com/2008/07/24/30/#comment-105 Nicole Thu, 20 Nov 2008 17:16:02 +0000 http://choreographedcacophonies.wordpress.com/?p=30#comment-105 I'm going through the exact same thing right now, and I'm so pissed. :( I'm essentially overdrawn the EXACT amount of the overdraft fees...meaning, if it wasn't for those effing fees I wouldn't be overdrawn to begin with. Like you, my ACCOUNT BALANCE never went negative, but because of PENDING TRANSACTIONS, the 'available' balance did. I just got off a very infuriating phone call with a US BANK manager at a call-center who told me that the actual ACCOUNT Balance doesn't mean ANYTHING, and that online account transactions are often a DAY behind. What is the POINT of having online banking if the records aren't accurate??? I'm spitting mad right now. I cannot afford over $200 in stupid overdraft fees right now. All because of THEIR unethical business practices. I’m going through the exact same thing right now, and I’m so pissed. :( I’m essentially overdrawn the EXACT amount of the overdraft fees…meaning, if it wasn’t for those effing fees I wouldn’t be overdrawn to begin with. Like you, my ACCOUNT BALANCE never went negative, but because of PENDING TRANSACTIONS, the ‘available’ balance did. I just got off a very infuriating phone call with a US BANK manager at a call-center who told me that the actual ACCOUNT Balance doesn’t mean ANYTHING, and that online account transactions are often a DAY behind.

What is the POINT of having online banking if the records aren’t accurate??? I’m spitting mad right now. I cannot afford over $200 in stupid overdraft fees right now. All because of THEIR unethical business practices.

]]> By: Shayla http://choreographedcacophonies.wordpress.com/2008/07/24/30/#comment-76 Shayla Tue, 29 Jul 2008 04:34:48 +0000 http://choreographedcacophonies.wordpress.com/?p=30#comment-76 I'm still completely baffled and disgusted by this. It actually remained on my mind throughout the weekend out of pure and complete anger at this. But I'm sure, somewhere, in super teeny-tiny fine print, written in Latin, it is written in their terms & conditions because "that's how banks make money." I can't see any other LEGAL way for them to go about this. I can hear the conversation now... "Well, Ms. Customer, we did provide you with the Terms & Conditions upon opening the account, and it clearly states that upon signing the account agreement, you give us full and express permission to screw you. Royally. It's listed on page 666, and it's not a bank error that you don't know Latin." Our fees have been seeming increasingly more reasonable, based on some of the crap I've read elsewhere. I’m still completely baffled and disgusted by this. It actually remained on my mind throughout the weekend out of pure and complete anger at this. But I’m sure, somewhere, in super teeny-tiny fine print, written in Latin, it is written in their terms & conditions because “that’s how banks make money.” I can’t see any other LEGAL way for them to go about this.

I can hear the conversation now…

“Well, Ms. Customer, we did provide you with the Terms & Conditions upon opening the account, and it clearly states that upon signing the account agreement, you give us full and express permission to screw you. Royally. It’s listed on page 666, and it’s not a bank error that you don’t know Latin.”

Our fees have been seeming increasingly more reasonable, based on some of the crap I’ve read elsewhere.

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