So, unrelated, my feed reader just ate itself and lost all my feeds. :( I’m piecing things back together and happen to notice jgrabrian’s post on US Bank. That prompted me to write this up real quick.

So, last week I get a $1 charge on my “Savings” account at US Bank. This happened before because they screwed up how many withdrawals I’m allowed to make in a month. When I opened the account they told me it was 6 per month, then they later charged me and said, “Whoops our bad, that was really 3 per month.” Well I call them to get this most recent charge reversed because I figure they screwed up again because I’ve only had two. I call the national number and talked to Matthew. Matthew is the worst customer service rep I’ve talked to in around 10 years. He constantly cut me off when I tried to explain things, and I ended up hanging up on him because he would not even let me speak. It was so far from customer service I can’t even tell you. That was the second horrible experience I’ve had with US Bank customer service.

Next I called a local branch and found out that those 3 withdrawls per month I had, yeah – it was really just one. They changed that and never told me. Then they tried to upsell me into a “gold” account for the ridiculously high interest rate of .0085!! Oooo. I told them I didn’t want a saving account at all anymore and immediately drove over to the branch and converted it into a checking account. They were even nice enough to KEEP that $1 charge, probably for my trouble. Wasn’t that nice?

On top of all that, just a week earlier was the second time that by their mistake, they double-charged my account causing $75 in overdraft fees (all of which were reimbursed) and caused my reserve loan to kick in. Subsequently I had two conversations with their customer service at the national level and the interest they chargedme on that $8.72 is still not reimbursed to this day.

At this point, free checking has cost me around $15 over the past 4 years (including other mistakes in the past they would not reimburse me for) for the priviledge of banking with them. Still not expensive, but not free either. I moved to US Bank for online banking and account management. I may go back to Commerce, because at least they made mistakes in my favor. (Still up about $30 from banking with Commerce.) :p

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