U.S. Bancorp Bank Account Or Service Complaint

U.S. Bancorp Bank account or service department,

Other bank product/service Making/receiving payments, sending money Missouri

We opened up a corporate bank acct in - -. The bank referred us to -, - is one of the vendors that works with the bank. The vendor offers merchants the service of credit card processing. We knew from experience in selling our product that credit cards were not highly used by our customer base, so we debated establishing a credit card processing account with the vendor. We finally decided to get the capability after a customer expressed interest in using a credit card and we began to price competitors. Our company applied for the service and was approved. We had no issues with processing our first payment until after it went through. After the payment went through and hit our account, we received a phone call from - of the - Fraud Dept. She was rude and unprofessional. She began asking questions about our business without introduction, so when I began to question her, she then said something that stuck with me.. She said " anyone


- - family had made the trip to - to celebrate my accomplishment. I felt disrespected and I felt insulted. I sent - requested information and then we went on with our business. We did not get any customers requesting payment by credit card again for 4 months. In that time, we had received increased credit with the bank by virtue of an increase in our ability to submit mobile deposits and we were also able to improve our business. We had recently completed updating our website. We 'd negotiated a great postage rate with the head of the - - - - - and we were very proud of our accomplishments as a business and as a team. Last week we received a customer payment by credit card. I had to dust off my list of instructions on processing the payment and call customer service. They gave me an update on how to accomplish this and remain in pci compliance and I got the card entered. I was notified that the payment was approved and I simply moved on. We 'd never experienced a problem with USBANK regarding our business account deposits, so we did not expect any problems. 2 days after I made that deposit, we were packing up our travel bags to head to - to drop off our prepared mailing that was dated -/-/-. It was at that time on -/-/- that we discovered that USBank did not reflect any deposit for the credit card. Upon calling the credit card merchant service I walked through the instructions on how to submit the payment and I automatically assumed I had done something wrong. It was toward the end of our friendly call that the agent, advised me that the - from Fraud needed to talk to me and that was the reason we did not see our funds. I was so upset. That woman 's name triggered the memories of her negative prosecutorial tone and manner and I remembered her insults about anyone being able to open a business. I spoke with her and she was still rude and yet she was grasping for straws and delaying. So, she acted like she might be able to wrap up our case that day, which is what she did back in -/-/- or -/-/- when we first spoke with her ... so we hung up and Saturday arrived and we saw no payment. Monday arrived and still no payment. Monday the President called the customer support and he was told our funds would be in the acct by - or no later than the next morning as everything had checked out. He then called again and then again.. When he called the 3rd time, it was because he 'd called our customer who we had not seen in almost a week and he 'd announced he was from the fraud investigation dept and he ruined our sale..temporarily anyway.