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Due to a gym membership payment gone awry over the internet (I was charged multiple times for the same payment on a website that was apparently "broken"), my account at U.S. Bank overdrafted. Long story short, I overdrafted about 150.00. But tack on the ridiculous overdraft fees (I believe they were 35.00) and I was quickly racking up money.

We immediately called US Bank when I discovered the problem online and got on a 3 way conference call with a rep from the gym, who promised to refund the money to the bank upon a full payment of my account to them. The bank would then refund ME the fees they had taken out plus ALL the payments. We made the payment ON THE PHONE, the same call, through an electronic check as the US Bank rep was listening in, and everyone seemed to be on the same page. Luckily, we kept a complete record of time, dates, who we talked to, etc.

Fast forward nearly TWO YEARS later, when I receive a letter from a debt collector demanding nearly $600 from that U.S. Bank account. I am shocked to say the least and I called the creditors to figure out why I have been charged. They say they don't know. ?? Ok...I call U.S. Bank. They say they don't know either, they don't have my records?! Ok...so I spend over two months volleying back and forth between the creditors and the bank, trying to locate some records, trying to get documentation from my father about the transaction we did over the phone.

Then, I get someone who slips up (aka is helpful) at US Bank who tells me that my records are archived at a corporate branch, and that I would have to contact the local branch manager, where I opened the account, to get them.

This man was hands down fantastic. I think his name was John, at the Springfield, MO branch. He had to find these records, dig them out, copy them, and then he sent them to me express. Really, this guy was a beacon of shining light in the dingy darkness of US Bank's horrible service.

I open the mail and my mouth drops open. I closed this account (after waiting a few weeks for everything to clear back into my account) and US BANK FORCED IT BACK OPEN and withdrew ALL the payments from the account. Keep in mind I had actually received money back because the account was clear when I closed it. That means the account was constantly overdrafting from a zero balance. I then went overseas for three months after I closed the account, a fact of which US Bank's rep was fully aware, as that is why we resolved it via phone so quickly. NO NOTICE was sent to my house. NO AUTHORIZATION whatsoever by me or family. Then, out of the kindness of their heart, US Bank let the account sit open, collecting $7 a day overdraft charges on the negative balance until they finally let it close after 60 days. NONE of this is my fault. Even if the gym did not pay the bank, I paid the gym, and closed my account, and all parties were totally aware of the circumstances and had agreed to resolve it in this manner.

I get my father's documentation (the conversation, the check to the gym, the letters I have sent) as the creditors keep piling on fees for my non-payment. I start to get threatened when I talk to them - I am in law school and they are hitting me with statements such as "You won't be able to get loans any more" and "You better just pay this now or you're going to pay more by the day," "we have a legal affidavit that will knock out any proof you try to send us," etc.

Well...too bad my dad prepares for situations like this and I was smart enough to do my homework. I sent a 17-page packet of documentation, complete with handwritten notes, bank statements, and any notice I sent (because even though I was writing constantly to dispute this my mails were going unnoticed and my phone calls unanswered). I accompanied it with an incredibly detailed letter of the situation and added that I will be taking the creditors to the cleaners under Fair Collection if they don't at least start working with me instead of threatening me.

That is the last I heard of any of this mess. Thank goodness I had volumes to back up my side of the story.

Monetary Loss: $593.

Location: Taylor, Michigan

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Guest

i would like to answer brochure bank received . open new account pick up ATM card..

bank is informed.. have $20.00 -- cash only at time to deposit until money 998..... deposit.. no bad business loan..???

customer Cecelia A. Delaney.

Kojo Xxb
reply icon Replying to comment of Guest-1619228

yes I did not know there is a such twitter.. thanks that all I management not to speak to Rachel Hunt and unfortunately she manage to find out..

too many people trust her too much.. it was done on higher level .. understood I was speaking to Wall Street I wish they would speak by our law not by confederation since I have no actions out her manly my name is not found.. it came correctly from Antar Abraham - out of Country -- history book- from his mom she contacted bank to deposit it is by law.

bank called gave 2 new accounts and she -r.h. still manage to get them closed.. verify with banker assistant-- find -- and that a lot of money for her to try and swindle by a confederated act that I don't have my life is too simple .. I just need her to loose the legal line and stop following me and let the call drop on my phone 409-351-**** none of her business and my S.S.

that was in my bank and US Bank it fell off went over to my dad -- which is where she tried to put it -- post is what it should have been very funny even tried to give me their transactions I don't have their record-- my shows $0.00 I am the elected vote for 2008-****.. Cecelia d. a. Paducah, ky I have nothing to hide.

cant even get my vehicle for free like suppose to with her stocking that with my own ben---NONE I SAID THAT STUPID - benefits even on my all purpose card I left the account with dealership... in short term help our country legal system to keep things legal such as: deposit and transfers out of country or in house or country.. those things are nobody business that personal crimes or shorter than they think it just people like that given wrong information.. this country gives a lot of freedom I just in the normal flow of life with no flows she trying hard to give me one.

I even requested 7 million loan I have no record Independence-- they just need proof of income -- I haven't picked it up yet.. I requested for him officer loan to get transfer from my Chase Manhatanan account Carrie J. Soliz ATM Department so it wont take so long he will not do it .. it will cover that amount just to get away from her stocking me.

she is going to tell the world I figure she borrowed it and she can't pay it back or I figure we can take it from her she isn't prestige enough.. my own 401k plan .. they would steal that man bad business.. ---(Consumer US banking) /// Cecelia d.

thanks for being heard..

copied out and over.. !.

Guest

need account number(received new account numbers do not have numbers at this time) old account number ---incorrectly closed on good note... was promised by branch would never close savings for no reason(s) when account was first opened bank did not keep word...

pls reopen .. old account number {{Redacted}} routing number 08390**** us bank royal oaks mall paducah, ky .... cecelia a. delaney need new atm card in mail..

624 n34th st #f paducah, ky 42001.. i do have money at bank out of country AIH Houston, Tx -- wall st... located in bank again from my own banking acct was open at time.. thanks...

pls precide on and find money at bank 998, trillion.. etc.. no bodies business already ran thru legal system to be verified...

approach banker.. ASAP

Guest
reply icon Replying to comment of Guest-1572925

not at this time previous s/b ok.. carrie jo soliz atm dpt chase manhan.. travis houston, tx thanks..

Guest

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MAKE ME ONE NOW! :)

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HAMBURGER!! :D

Guest

I'm really not sure what your question is...but I think you are referring to why I didn't ask them to verify the debt in writing. I did and got no response, so talking to them in person was my only recourse.

Also, upon speaking to the creditors, neither the bank nor the creditors would release my own bank account information to me for verification without a $200 charge. So, that is why I did not ask for verification, and was doing detective work on my own while making every effort possible to speak with people, get names, etc.

Guest

why are you talking on the phone??

as found out one letter asking for verification would have solved this whole problem.

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