Complaint / review text:
I have been charged 9 NSF fees in 2 days from US Bank, in all totaling $315. It all started when I took out a check account cash advance. US Bank decided to change their repayment of the cash advances in Washington state. The repayment agreement had always been that it would come out of your next direct deposit. As of 9/15/08, they made it where it comes out of any deposit of $100 or more. I needed to make a large payment on an account and wanted to make it ASAP.
So, I called to find out exactly when my prior advance would be taken out of my account. I was told it would come out with my next direct deposit as it had in the past. Based on that information, I scheduled the payment to be paid on 9/16/08, knowing that they always hold all but $100 out of every paper deposit the first 24 hours. I deposited my check on 9/15/08 and checked the next day to make sure it had posted. To my surprise, when I checked my account on the 16th, I had 4 NSF fees on my account AND the advance had been taken out of that check, which had been totally wiped it by it. They charged me $140 in NSF fees for 2 ATM purchases and 2 checks ($37 in all) that had posted on the 15th.
I immediately got on the phone to the 800 number and was informed I must have been given the wrong information, that's it a new thing and not everyone was up to speed or trained on it yet. They said sorry, couldn't do nothing about it, and I had to get the branch manager where I opened the account to reverse the charges. I then called the Auburn, WA branch multiple times to speak to the manager and get this resolve. I was informed Chad was either out or busy but they would leave a message. No one ever returned my call.
On the 17th I checked my account and it showed 2 of the 4 NSF fees reversed, but there was also now 5 additional NSF fees added to my account from 3 checks and 2 ATM purchases that had posted on the 16th ($41 in all). I don't understand why they keep charging me NSF fees for their mistake.
They are still refusing to reverse any of the remaining 9 NSF fees on my account. They indicate it was my fault and I should have known the advance was coming out of my paper deposit REGARDLESS of what I was told. I have been a US Bank customer since I first opened up an account as a child, over 30 years, and have put up with their constant changing of the rules. This is the last straw.