U.S. Bancorp Bank Account Or Service Complaint

U.S. Bancorp Bank account or service department,

Checking account Problems caused by my funds being low Missouri

CALLED THE CSR ON SATURDAY - DUE TO ( - ) POSTED OVERDRAFT CHARGES FOR $36.00 THAT WERE REFERENCING POSTED AMOUNTS THAT WERE IN THE POSITIVE STATUS. SHE E-PLAINED THAT IT WAS DUE TO THE PENDING ITEMS PRE-AUTHORIZATION FOR - ( GROCERIES ) ON - $190.00 @ AROUND - CDT AND PRE-AUTHORIZATION FOR - ( GAS ) - FOR $1.00. BOTH ITEMS WERE PENDING ON SATURDAY - WHEN I SPOKE TO THE CSR @ - IN THE AFTERNOON. THE FIRST ISSUE IS THAT THE ( - ) PENDING CHARGES MENTIONED POSTED ON TUESDAY, - WITH A DATE OF FRIDAY, - WHICH IS A DAY BEFORE I INITIAL CALL ON SATURDAY, - QUESTIONING THE O/D FEES. ON THE -, THE - TRANSACTIONS WERE STILL IN A PENDING STATUS. THE INITIAL CSR THAT I SPOKE WITH REVERSED THE O/D FEES AFTER REVIEWING THE ITEMS AND SHE SAW THAT A $200.00 CASH DEPOSIT WAS MADE INSIDE THE BRANCH ON SATURDAY -. I TOLD HER ALSO DURING THE CONVERSATION THAT WOULD GLADLY GO AND MAKE AN ADDITIONAL DEPOSIT THAT DAY, BUT


THE SECOND ISSUE IS THAT THE O/D FEES WERE APPLIED TO A BILL THAT WAS PRE-AUTHORIZED ON WEDNESDAY, -, AND - - - ACH BILL THAT POSTED TO THE ACCOUNT AT - -. THIRD, THE US BANK ALERTS DID NOT INDICATE THE $190.00 UNTIL - @ - CDT, WHICH STATES TRANS DATE : -, TRANS AMT. $190.00 AND O/D FEE TRANS DATE : - TRANS AMT $36.00, TRANS DATE : -, TRANS AMT., $39.00, TRANS DATE : -, TRANS AMT : $36.00. FOURTH, I HAD TO RESEARCH TO FIND OUT HOW TO OPT OUT, NO ONE OFFERED IT AND I OTHER THAN THE 1ST REPRESENTATIVE, NO ONE WANTED TO LOOK INTO THE DISCREPANCY WITH THE PENDING - ITEMS PENDING ON SATURDAY - BUT HAVING A POST DATE OF - ON TUESDAY -. FIFTH, AND A TELLER CASH DEPOSIT ON - OF $200.00 WAS IN PENDING STATUS ON TUESDAY - @ - CDT, BUT THE - O/D PAID FEES HAVE POSTED BEFORE THE ( - ) PENDING TRANSACTIONS, $190.00 AND $1.00, IN WHICH THE ALERTS REFERENCED THE FOR TRANSACTIONS MENTIONED ON - @ - CDT. ONLY THE O/D FEES POSTED ON THE -, THE ASSOCIATED TRANSACTIONS WERE STILL IN PENDING STATUS ON -. FINALLY, ON THE - I SPOKE WITH THE CSRs - AND I ASKED TO SPEAK WITH A MANAGER AND AFTER A 10MIN WAIT I WAS TRANSFERRED TO -. MY REQUEST TO BE TRANSFERRED TO A MANAGER WAS DUE TO THE FACT THAT - WAS RUDE AND DID NOT RESEARCH ANYTHING ON MY BEHALF. AFTER E-PLAINING MYSELF AND GOING OVER ... AND OVER.. AND OVER AGAIN AND AGAIN WHAT WAS GOING WITH MY ACCOUNT ; HIS RESPONSE WAS THAT I SHOULD NOT HAVE SPENT MONEY THAT I DID N'T HAVE EVEN AFTER I E-PLAINED THAT IT WAS AN EMERGENCY TO HELP SOMEONE IN MY TOWN AND I WAS REIMBURSED THE $200.00 CASH DEPOSIT ON SATURDAY. TRANSFERRED TO - ; AGAIN I HAD TO E-PLAIN EVERYTHING ALL OVER AGAIN, NO ONE RESEARCHED MY ACCOUNT READ MY NOTES, I HAD TO GIVE THEM THE INFORMATION, AND NO ONE COULD TELL ME THE NAME OF THE YOUNG LADY THAT ASSISTED ME ON -. NO ONE WANTED TO VERIFY ANYTHING. I ASKED - WHAT IS THE PURPOSE OF THE PENDING STATUS IF IT DOES NOT ALLOW YOU THE OPPORTUNITY TO MAKE A DEPOSIT ON THE PENDING ITEMS, BUT IF IT IS PENDING AND IT TAKES YOUR ACCOUNT IN THE NEGATIVE THERE IS A FEE ACCESSED. HER REPLY : THE PENDING STATUS IS FOR THE MERCHANTS TO MAKE SURE THAT THEY GET THEIR MONEY, AND TO GIVE THE MERCHANTS 3 BUSINESS DAYS TO RECONCILE THEIR TRANSACTIONS. MY RESPONSE : SO THE PENDING STATUS IS NOT FOR THE CUSTOMERS. SHE ALSO STATED THAT PRE-AUTHORIZED CHARGES WOULD AUTOMATICALLY GENERATE A FEE IF IT GOES INTO THE NEGATIVE AND ANYTHING PENDING THAT HAS NOT POSTED WILL GENERATE AN ADDITIONAL FEE. CSR - OR - I SPOKE WITH - RESTATED THE SAME THING ABOUT POSTED AND OVERDRAFT FEES, I READ THE CONSUMER ACCOUNT AGREEMENT, AND THERE IS NO EVIDENCE THAT I CAN SEE THAT US BANK IS FOLLOWING THE INFORMATION CONTAINED IN THE ACCOUNT AGREEMENT. I EVEN ASKED