Complaint Review: U.S. Bank NA - Minneapolis MN

U.S. Bank bills itself as "The Most Ethical Bank in America" and has received awards for it annually and like so many financial institutions, claims to honor military- related individuals to honor them for their sacrifices. I fell for it hook, line, and sinker.  I openend an account last April '18 and thought I finally got away from the nightmare that was Chase and B of A banks and all was well until last month, July, when they started to withhold payments made from my checking account and take them in non-chronological order. I always pay rent, bills and buy 1 week's worth of groceries in that order. Every month.

I then pay off my credit cards and purchase household supplies: soap, detergent, cleaning wipes, etc. Last month and this month of August, my first active payment was billed as a cup of coffee from my neighborhood, then the household supplies, and other miscellaneous items over the next few days causing my mobile phone service to be cut off AND late for 2 months running, late for rent, late bill payments, and late for credit card payments; the results are late payment fees across the board for 2 months now with the onslaught of multiple overdraft fees, hidden fees like maintenance fees,; account(s) service upkeep; ntsf fees; and penalty withdrawal fees.

I'm a middle-aged man on Social Security Disability and long ago in a different life it seems, I served my country and was Honorably Discharged. The bank tellers were of absolutely no help to myself and others that were in one dilemma or another so I went online and tried to solve it that way. Uncle Sam and the U.S. Army paid for my college and I was a white collar professional at one point in my life so technology is something I'm used to, unlike the sterotypes made about people of my age or older and I include any and all that are military-related to this statement of stereotypes, so none of us are exactly walking muppets!

Sadly, last month and this month, my accounts with U.S. Bank were in the negative hundreds of dollars in charges alone and to get the situation straightened out both times took A LOT of adaptiblity, luck, patience, determination, and pure hard-headedness that most civilians simply aren't experienced with and I would have rather enjoyed pulling out my own wisdom teeth with curved, needle-nosed pliers than ever go through that again next month. I've since changed all my direct deposits to my secondary banks of USAA and Navy Federal and closed and transferred all retirement accounts as well.

In looking into the data breaches of this year, of which I'm a victim of the 3 credit bureaus, I found that U.S. Bank was guilty 2-3 years ago along with most major American banks of national-level crimes and or malfeasance that they never admitted to in court but decided to pay the settlement charges laid against them. Recently, some legitimate class action webstes have begun investigations on any banks withholding payments and playing around with their customers money to make profits against the law with multiple overdraft fees, hidden fees, etc, especially multiple fees assessed against individual puchases and or payments. I thought I was alone until i read of others recently going through nearly the same thing in recent months across the country, of all ages, incomes, and backgrounds. Students included.

I've since joined an investigation and have been referred to the same attorneys handling all my data breach and identity theft cases for the past 2 years. Military-related people are 2x more likely for such attacks and crimes than the rest of the civilian population and I've had nine (9) to date. I've said all I legally can and I truly hope that what I've said on print can and will help others out there that are being taken advantage of by greedy, ungrateful predators whose only protection is betting that very few will ever stand up to them and not be afraid to stand down and back off.

Sorry to disappoint them, especially U.S. Bank, but this mild-mannered individual was trained better by Uncle Sam and I'M betting they all are going to keep underestimating me up until it's time for them to sign those settlement checks.

Again, I hope my words can be of help to others struggling out there.