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April 26, 2005

US Bank Sucks!

Hmmm. Looks like I'm not the only one that thinks US Bank sucks. Read about how bad US Bank fvcked me over here.

Aside from how they treated me, here's scads of complaints. Don't do business with this company. They make most of their revenue by placings "holds" on deposits longer than allowed by Check 21, and then charging their "customers" (victims) outrageous fees when the have "insufficient funds" because of their unnecessary and illegal holds on deposits. I'm not making this up. It's how they do business, day in and day out. They f*ck their customers to generate revenue. Don't believe me? Read what these people have to say:

Outrageous stories from US Bank victims: Part 1

Outrageous stories from US Bank victims: Part 2

Outrageous stories from US Bank victims: Part 3

Outrageous stories from US Bank victims: Part 4

Outrageous stories from US Bank victims: Part 5

Posted by Peenie Wallie on April 26, 2005 at 7:38 PM

Comments

Just like all of you I have come to realize I AM NOT THE ONLY ONE WHO HAS BEEN SCREWED BY US BANK.

I had gotten a few overdraft charges here and there over the past two years of being their customer (a.k.a. benefactor) and never thought much of it. Yesterday I was hit with 300$ in overdraft fees- but my balance was never overdrawn. My available balance was negative, but thats only because they put a hold on the checks I had deposited to cover my expenses.

After spending two hours on the phone being transferred from rep to rep, all six overdraft charges were reveresed, and I was told that there would be NO MORE CHARGES POSTED TO MY ACCOUNT DUE TO THIS INCIDENT.

Surprise, surprise. I wake up this morning to three new overdraft charges, and what will be four more once pending transactions go through. US BANK IS TRYING TO CHARGE ME OVERDRAFTS DUE TO THE NEGATIVE BALANCE CAUSED BY THE OVERDRAFTS THAT THEY REVERSED!

Today I was treated even more rudely by several US Bank employees, being sent from a rep to specialist to my bank manager. I know my bank manager. She set me up with my account when I moved to California. She's helped me many times at the teller window. But today...she refused to help me, refused to address the problem, refused to even listen to what I had to say, and then insulted my credit.

I asked for the district manager, who I have since spoken with and is reviewing my case "but cannot make any promises and will most likely not be able to help." Apparently the manager at my branch put a spiteful note on my account saying that NO MORE OVERDRAFT CHARGES NO MATTER THE REASON SHOULD BE REVERSED ON THIS ACCOUNT.

All of this made me curious, so I scrolled back through as many months of history as their website allows. Over the last four months, since March of '05, US Bank has managed to steal from me over 1,100$ in overdraft fees, none of which where assessed due to an ACTUAL negative balance.

These people are criminals. They are morally and ethically corrupt. They will take your money and offer no apologies. I am closing out my US Bank account as soon as I am able, and wish I could do more to get the word out.

Posted by: Molly on June 30, 2005 at 2:03 PM

I too have had this issue with US Bank and they have failed to respond to my complaints--I think we are all ready to start a class action against them--somone needs to intitate this so we can teach them a lesson.

Posted by: Jeff Graham on September 14, 2005 at 5:10 PM

I have had the same issue, over $500 in overdrafts from one check deposite that took 2 days to clear, I am totally screwed, and over the course of this year this has happened to me in the amount of 5400$+ this is not fair.

Posted by: Dan Baker on October 25, 2005 at 12:18 PM

you people need to take ownership of your accounts. Using words like "to cover expenses" is exactly why you mess your accounts up to begin with. Don't spend till you have. simple that.

Posted by: you dont need to know on November 5, 2005 at 11:23 AM

US Bank has taken thousands of dollars from my account in the last couple of years and since I have numerous automatic things happening in that account I have never taken the time to close it and change banks although I am in the process. I THOUGT I HAD JUST SCREWED UP AND LET IT GO EACH TIME UNTILL I REALIZED THAT THEY:


1.Cook the software to generate millions of unearned dollars in fees every day.

2.Use snail mail to advise that they are generating fees on top of fees when the customer has on line banking and should be notified instantly.

3.The victims of this Banks practices are low balance account holders many of whom are deeply impacted by the conversion of their money.

4.You can't depend upon their online record because they tell me it is not the real numbers. Only the have that. SOMEWHERE

Class action? count me in! They are slipping thru the legal cracks somehow.

Posted by: bob brown on January 10, 2006 at 1:12 PM

US BANK HAS TOOK THOUSAND OF DOLLARS FROM MY ACCOUNT WITH OVERDRAFT CHARGES THAT THEY SOMEHOW MANAGE TO GET FROM ME NOT WRITING ANY BAD CHECKS AND NEVER OVERDRAWING MY ACCOUNT WITH MY CHECK CARD. THIS PEOPLE SHOULD BE HUNG UP AND SPIT ON!!! THEY ARE CRIMINALS!!! THEY ARE THE WORST BANK I HAVE EVER HAD AND FINALLY I AM FLUSHING THEM DOWN THE TOLIET.......GOOD BYE YOU F$%^&*% SCUM BAGS!!!!!!!!!!!!!!!!!!

Posted by: KEITH on January 22, 2006 at 11:32 PM

ALL banks suck, period! I was mistakenly charged the wrong amount by a company. Since I often check my balance online, I noticed this charge right away and called the company. They issued a credit to my account, but that will not appear for 3-5 business days. Now this $30 charge has totally thrown my account out of balance. I bought a few things with my card over the weekend (things I actually had the money for) and now I am being charged overdraft charges because of a "pending charge" for $30. Have you ever noticed how they get you with these fees? The $30 charge is the only one I could not cover, but I am being charged an overdraft fee for everything that clears the account. And the $30 hasn't even come out of my account - it's pending. I'm assuming that the company simply cancelled this charge, but it will still pend for 3 business days and throw everything out of balance. Why not let the other items clear, then charge the overdraft fee for the extra item? In this case, that item has been cancelled and therefore will never clear. So I am paying penalties for money I'm not even spending. The banks manipulate these situations so they can make the most money possible. They are evil!

Posted by: AJ on February 7, 2006 at 2:49 PM

The reason why your account balance and available balance differ:

*If you have outstanding check card authorizations or pre-authorized electronic transactions waiting to post
*If you have deposited a check into your account

Example: You deposit a 200.00 check in your account,
Account balance: 200.00
Available balance: 100.00

The first $100 of any check is made available to you immediately. (Unless your account is less than 30 days old) The rest of your check has to clear the bank and it may take longer if that check is not in your bank's check processing region. In the past, checks would have to actually go back to the bank it was originally drawn off of to clear, now with check 21 the image of the check is sent through computers.

Floating checks is a thing of the past people.
Any check you write can take a matter of hours to clear your account. Read more online by searching for check 21.

Also, those complaining of their overdraft fees.
THE FEES ARE PUT ON BY THE FED.

Also, I cannot count the times that people have come into the bank who complained about overdraft charges and when asked to see their ledger, they never have one...if you aren't properly tracking your spending, of course your account will be in the negative!! It's so easy to forget that you swiped your debit card somewhere..I have almost done that many times myself.

The only other way to stop the fees from coming through is to make sure you have overdraft protection! Check your bank, there are many ways to get it. Whether it be a line of credit or linking your savings account to your checking..ASK!!

Posted by: M. on March 8, 2006 at 9:07 PM

Actually I would say as a UsBank employee that there is no 5 star service what so ever! When I first started with this company I thought it seemed really organized. Now I really feel that they cheat their customers month after month. I have often questioned the fees, especially the late fees. Very odd to me their cyccles of payment: if you pay in full you get your closing date/20 days. And then if you carry a balance, closing date/25 days. That is just asking for trouble with how slow the damn mail is. This system continually traps customers month after month with an assortment of differenly priced late fees. There are also questions about their so called Psudo companies like ELAN. It really feels wrong to lie day after day about this psudo company not being associated with UsBank. Money isn't everything, and I am done with getting their money in my bank account. Customers be really careful if you pay off in full about getting interest fees without even taking notice of this, putting extra money back into UsBank!

Posted by: Sally on March 9, 2006 at 12:21 AM

US Bank and for that matter the banking industry has a new math formula to create overdraft fees when using a check card. It goes like this. If for example you have a $20.00 account balance, purchase something for $12.00 you should have an $8.00 balance. Wrong! Unless you deposit more money you have caused an overdraft. Here is why. $12.00 is listed as pending and not considered in your account. When the $12.00 is officially presented for payment by the merchant, the bank removes the $12.00 from the money that is available in the account, not the pending amount. Since there is only $8.00 available, your account is overdrawn causing an overdraft. At the end of the banking day the $12.00 pending amount is available in your account again. It's too late though because your account was already charged for being overdrawn. This happened to my son. US Bank refused to drop the $34.00 fee.

Posted by: bryan on April 1, 2006 at 9:17 PM

I had the exact same thing happen to me Peenie. I have screenshots of my account showing how we had a positive balance until US Bank hit us with their "Domino Effect". Then they refunded all but the first of the 9 OD fees- You can see the screenshots at my Bank Complaints website

Posted by: manny leger on May 15, 2006 at 8:31 PM

I've had the same thing happen with US bank. I opened my account on May first because i was supposed to be moving home soon, and thought that wiht my direct deposit from work it would be easier to get things switched over to a bank that had local branches at home and here. U.S. Bank is the only one that does.

I don't make much money and I need what little i do have. On May 18th (I was supposed to be driving home on the 24th) I recieved a postcard saying that I had overdrawn my account with four different items. I had been keeping track of all my activity and knew that couldn't be possible. So i went online and checked my statement. Not only was my account WELL in the black before they started charging me overdraft fees....but they had tagged me for more than was listed on the postcard. I recieved the postcard for those two days later.

When I went to the branch to try and sort it out I was told that there was nothing that could be done because it wasn't a bank error and it wasn't a merchant error. Not only that but they told me that at the close of buisness the day before my balance was even farther in the hole than it was. They had actually predated two more charges for the 17th and 18th and stuck them on my account on the 19th. Remember I had checked my statement on the evening of the 18th, and even called thier 24 hour hotline to figure it out. Those two charges weren't there then.

So they say I owe them over two hundred dollars....there goes the money I was supposed to be using for gas to drive about 600 miles to get home. In the meantime, I've lost my full time status at work, because I was supposed to be gone next week. They are being nice enough to let me stay on part time, but that means i lose my benefits. So as a diabetic I have NO CLUE how i'm going to pay for my perscriptions, etc.

I'm going to a local legal help office on monday to see what can be done, if anything. Wish me luck.

Posted by: teddy on May 20, 2006 at 8:35 PM

Teddy,

I wish you luck. But, first things first...close your account. Stop the bleeding. Never bank with them again. Fark 'em. Then sue them.

Posted by: Peenie Wallie on May 20, 2006 at 8:56 PM

Just wanted to add to the list another pissed off ripped off soon to be ex customer. So far they have got us for only $150 but by the first of the week when all this shit clears who knows. We have been told it all our fault shoud have read the fine print that was never even provide, only upon request. I have read this story today I do not know how many times, they must be making millions. We are a family that unfortunatly lives payday to payday and can not afford this, already cant pay utility bill becauase of these trumped up charges but they have our money so they do not care. Boo-hoo poor us they say. Well as soon as all this shit is cleared first of the week they will never see any of our money again. Thanks to my wifes new job we are going to a credit union where they actually care about the customer and do not try and rip you off.

Posted by: another pissed soon to be ex customer on June 2, 2006 at 5:40 PM

Wow,

I see am not the only one with a beef against US Bank. Can anyone recommend a bank that has a little common sense and compassion, or is that like the impossible dream?

Posted by: RSR on June 6, 2006 at 11:12 AM

I have a recommendation. Go to work for somewhere that has their own credit union. Then, open a checking and a savings account, and then quit. This is basically what I did. I went to work for a school district, and opened a checking and savings account. Even though US Bank had ruined my credit history, they didn't care, because they aren't in business to rip off their customers with excessive fees. They're in business to help out their employees. So, it's a totally different mindset. Wells Fargo closed my account when I got a Chex Systems record. The credit union said "we don't care about that...welcome aboard". Only disadvantage is that they don't have branches anywhere except in Lakewood, Colorado. But, with ATM's I can withdraw money anywhere in the world. Depositing is the only trick, but you can usually get your paycheck direct deposited for free any way. This is definitely the way to go, IMHO. :)

Posted by: Peenie Wallie on June 6, 2006 at 3:43 PM

And here I thought I was the only one getting the shaft from US Bank. I have recieved multiple overdraft fees, when there has been plenty of money in my account for my purchases.
Just last month, I was charged a total of $231.00 in overdraft fees, without my available balance being negative once. I called the bank, and was told "You agreed to these fees when you opened the account." To which I responded "I agreed to these fees when, and only when, they are a direct result of my own actions." The visit ended with me fuming, and the $231 still in US Banks coffers.
I then went to my attorney, who was less than pleased when he saw my statement, and he proceeded to write a letter to US Bank. Oddly enough, the money was in my account within a week.
I am, by no stretch of the imagination, a wealthy individual. That $231 nearly shafted me completely. Here this month, they are trying the same crap again. Although, this month is only $30. Apparently, a 3 digit available balance is not enough to cover a $3.85 pack of cigarettes.

Posted by: MJS on June 22, 2006 at 9:26 AM

I was also screwed by overdraft fees from US Bank when my account was never negative. The brach manager refused to reverse them. Want to hear the best part? Im an employee and my own branch manager refused to help me out. NEVER bank there, trust me, and certainly NEVER WORK THERE...its almost worse than banking there when it comes to being screwed.

Posted by: Erin on July 11, 2006 at 9:11 PM

It is literally amazing the number of people who have contributed idiotic and mindless "whinings" to this site in an attempt to cover up their own ignorance and push blame upon others. Take responsibility for your own finances!! Place blame on whatever you like, but simple fact is this: If you have $100 in your hand, you can't spend $105! The checks you deposit have to be verified for available funds; if they weren't, it would just be a piece of paper. Oh, the bank is just supposed to take your word for it that the check is good? Get real. If you're too ignorant to manage your own account, then you shouldn't have one. You chose to business with them, but they're chosing to business with you also. Wonder if it was your business and someone kept F-ing up? You'd be the same way. For the people that work there and are complaining, you should be ashamed. How can you be surrounded by literary education on daily basis and still overdraw your account? You are a bad example and US Bank truly doesn't need your services. How can you help a customer if you're not intelligent enough to help yourself? How sad. Get over it people, ignorance is not bliss. Start blaming yourself for being a lazy idiot.

Posted by: Chris on July 15, 2006 at 2:19 PM

Reported to the FTC August 1, 2006 and asked the following question------

Facts: On 7/24/06 I had + $28.76 balance, I deposited 7/25/06 $120.00with a balance of + $148.76. I was charged 2 overdrafts totaling- $70.00 and a charge of debit of - $29.95 leaving a balance of + $48.81. On 7/27/06 another overdraft of - $35.00 leaving balance + $13.81. I called the bank thinking $29.95 and $1.00 was fraud which I have reported to FTC and the US BANK. $29.95 + $1.00 are being refunded. There was a presentment of $19.40 which was credited where I now have $33.21 in my account but not the $105.00 the bank said it would take 6 weeks to credit my account if I prevail with the credits.

The bank reversed previous OD causing same issues on 2 other occasions. The one last month June 26, 2006 was over a March /14/06 deposits of a non-cash item $100.00 MO which caused 3 OD on $5.92 and $.99 charges totaling OD charges $93.00 without an explanation which overdrew my account which I believe is unfair trade practices and is a predatory practice. I have the statement to send you. I’m sure they will refund the $105 but this practice is wrong and tortuous, intentional. I will file a claim if this is an illegal practice. Please let me know.
Sincerely,
Richard Norland

Norland@earthlink.net

Posted by: Richard Norland on August 2, 2006 at 5:20 PM

At US Bank, there is a stated policy that ATM transactions after the close of the business day are posted the next day. US Bank also has a practice of not showing overdraft charges on your account until half of the day has transpired. These are highly deceptive practices. These two deceptive and unethical practices have resulted in the accumulation of 8 overdraft fees totaling $280 being assessed against my account. All 8 of these fees were the direct result of a single ATM transaction occurring around 10:00PM on 8/21, which should have not affected my account balance until the next day according to their stated policy. What happened in my case is as follows: I made a $40 ATM withdrawal on 8/21 @ around 10:00PM. The posting date on the receipt said 8/22. I made a subsequent deposit on 8/22 to cover the withdrawal I had made mere hours before. My account ledger shows both of these transactions as having occurred on the same day. Furthermore, my account ledger never shows my balance going into the negative. Everything looked normal on 8/22 online. Some hours later, they posted overdraft fees stemming from Checkcard transactions that had already been subtracted from my account. But because US bank lies about their ATM transaction policy, for their unethical purposes they deemed the account to be in a negative balance for these items resulting in 4 overdraft fees I was not made aware of due to their deceptive overdraft fee posting policy. This caused me to not know that my balance was actually negative, which resulted in another 4 overdraft fees being assessed the next day. They snowballed me with fees that should have never occurred according to their ATM transaction policy. Had they not delayed the fee posting, I would have ensured that my balance was not negative on the second day of this fiasco. I am considering what happened to me as a theft by deception and I expect full restitution of the unjust and unethical OD fees of $280 being assessed against my account.

Damage Resulting = $280 in compounded overdraft fees stolen from me.

Posted by: John Hunt on August 24, 2006 at 1:07 PM

I have banked with several banks, including Washington Mutual, credit unions, Bank of America and USBank. I was most happy with B of A. Their customer service is the best I have experienced. As for US Bank. I have found their practices despicable. I have nothing to say to the folks who angrily defend their position that US Bank is blameless and that we who are angry about their service are just a bunch of irresponsible whiners. Banking with US Bank is like swimming with alligators. They will tear out pieces of you any way they can and any chance they get. I work for a hospital as a patient care tech. This past summer I did lots of overtime and had a nice fat check. There was a glitch in our computer system at work and we did not get our direct deposits as scheduled that Friday, (this has never happened in the years I have worked for this hospital) so we were issued live checks. Was not informed until the afternoon about this glitch. I work nights, so I was not able to pick up my check until that night. Went to deposit it in my US Bank account the next day. Was told "the funds would would not be available until the following Tuesday." I have never, never seen a bank hold funds this way. I had written a check Thursday for some expensive college texts. Surely enough the check attempted to hit Monday. But not without them scamming me of $35 dollars, in addition to other OD fees that came through from check card purchases I made prior to the time I was aware that my direct deposit would not post to my account Friday. I talked to my HR rep and she said, "there should be no problem with them reversing those fees. I know what you mean about US Bank. They made me so mad I literally walked across the street to the other bank." She said, "if you are not tied into this bank I would recommend that maybe you should consider as to whether it's time move on from US Bank." I could tell she too was vitriolic about what ever experience she had had. Other banks I have been with have happily reversed fees even when I miscalculated. US Bank seems as though they look for ways to cheat the customer. Another complaint I had was that I found them to be inconsistent about the hard facts. I would get told one thing by one US bank customer service rep, another thing by another rep. Not so Bank of America. My son tried to cash his paycheck at US Bank, and he was told, "in order to cash your check you will need to open an account." See how they roped him in unwittingly. Not "we cannot cash your check here." But rather "we need another victim". I had told him before he went in, do NOT open an account with US Bank. He is a young teen, minimum wage worker, new to the workforce. We went back in the next day, seeking to close his account. He was informed, "if you try to close your account within the first 180 days of opening it we charge $25.00." Never had I heard that one before either. My son almost said OK when at which time I basically said, fine take his money, give us the rest so we can get the hell out of here fast. But not without letting the manager know how disgusted I was with this bank, in comparison to the other banks, which I had never had complaints of this sort.
To all you defenders of US bank: If you have to yell to make your point, then you are trying too hard. I'm not listening anyway. Don't know what your motive is, you are probably profiting in some way...with folks like you one can only hope that you or one of yours gets shafted in the same way that many of us have, then maybe you will learn.

Posted by: Jane on September 5, 2006 at 5:24 AM

I really hate to say this, but I am so glad I am not the only one. And I am so tired of reading remarks about people saying, well you should watch what you spend. When you are working 60+ hours a week, taking care of a 4 year old and a disabled husband, there isn't enought time to sleep. US Bank has done me so wrong too. What new right? Well I admit, I have screwed up by not watching what I spend. But when you make a purchase using the bank card, and it accepts the charge, you assume right there, OK, I have enough to cover this. Well it turns out that that is not necessarily the case. They will allow you to continue to use the card even when you can be -500 in the red! And then on top of that, since their system has allowed the charge, they then stamp on an additional $35 for overdraft charge and $7 for the daily over draft. I make only 2500 a month, yet they have taken out over 2900 in just bank charges!!! They state the bank card works like a credit credit card. B&*& S#@$. When charge $50 purchase and the available credit line is 45$, then credit card company will decline the purchase. Not with US Bank, they will let you really rack up the charges. Because I have been fighting them over this for the last three months, I have lost my home, cell phone and even can't afford to pay to file bankruptcy. Please someone tell me, there is a lawsuit about this.

Posted by: Heather on October 24, 2006 at 4:13 PM

ANY KNOW A CLASS ACTION

Posted by: Linda on January 9, 2007 at 11:59 PM

I have haad all the same issues and it has just been HORRIBLE, in 4.6 months they have taken more than 1800.00 in fees. I am seriously looking for a class action suit against them, any takers??

Jag_Always@Yahoo.com

Posted by: Autumn on January 23, 2007 at 6:14 PM

You all need to learn how to balance you check books. No bank gives you access to funds on a check you deposited the same day.

Posted by: Jamie Smallie on January 24, 2007 at 9:53 PM

After reading your expressions of anger and frustration, I cannot help but feel sympathy for the lot of you, not because you have been "shafted by the bank", but rather, because the majority of you seem to #1 lack the ability to understand basic math #2 lack the ability to follow your account agreements with the bank (which you should have read upon opening your accounts - as they clearly explain how credits, debits and fees are processed, but the problem is the majority of you are too lazy to read or not sufficiently literate to understand what is explained to you as standard bank practices that conform with UCC, FTC, and state banking statutes). #3 You refuse to take responsibility for your own actions (an overstated sentence, but true most of the time). #4 Floating checks and swiping your cards unabated while you await checks to clear is lunacy, unless you have a line of credit to tap into, which chances are, the majority of you do not have because you are financially inept and therefore not credit worthy. #5 Spend today and worry about the charges tomorrow when you know what the charges will be as experience should offer you instructive knowledge which you obviously ignore, as I am sure the majority of you are habitual overdrafters, tantamount to crack pipe addicts for the undisciplined expenditure and the harmful results. #6 Finally, I have sympathy for you because it is hard to pay such hefty fees, and most of you probably do not make enough to cover your monthly expenses, which is why you spend today and worry about the consequences tomorrow, then plead ignorance and blame the bank.

Bottom line -- US Bank rocks, as their profitability and stock value would indicate, and if it does involve allegedly "unfair practices", they are by no means illegal...so if US Bank continues to make its revenue off of your ineptitude, as a shareholder, I say hurray! I should buy myself a box of Davidoff cigars with my dividends, and puff away in celebration of the fee income generated from people like you living on the margin.

Posted by: Josh on February 15, 2007 at 8:13 PM

I'm leaving US Bank this week. For almost 13 years, I never over drawn on my Hawkeye Bank, Mercantile Bank, Firstar Bank, US Bank checking account. It's been the same for over 13 years. I always had enough money to cover all the checks I wrote and stopped spending money if I was starting run out. Until US Bank took over, I never had a membership fee. When I signed up when I was 14, I was told it was free checking. Then suddenly four years ago they started charging me monthly membership fees. I decided to stay with US Bank because I thought it'd be too much trouble to switch just because of a $10 monthly fee. And around that time I got signed up online and I really like their online set up; it's easy to use and pretty cool for being free.. But last week, something happened that made me close down my savings account and checking account as soon as my final automatic withdrawal happens. Last year I had a little problem with them. I went to the grocery store on the Wednesday night after Labor Day. I had deposited a check at a local branch the Saturday before labor day. I bought nothing all weekend and thought that my check should have cleared by Wednesday night. I went to pay for my groceries. They said my card was rejected. WTF? So I reluctantly used my credit card. I went to an internet cafe and checked out my account on my laptop. Turns out they were waiting for the check to clear. Almost a week later and they were still waiting for the check to clear? Technology is so much faster than the old way of doing it....yeah. The next morning at home it had finally cleared. Hard to believe it took three business days to clear a check that took money from a US Bank account and put it in to another US Bank account. Annoying and stupid, both at the same time.

Last week, I made a mistake that resulted in having my account overdrawn for a whopping 10 cents. Opps, a slight error on my part. I thought I'd have about $10 left and I forgot to account for an $11 check I wrote. I mean really, 10 cents is basically nothing. But not for US Bank. They charged me $31 in overdraft fee...for a dime. I talked to a relative who works at US Bank, he told me that there's no way I can get rid of the overdraft fee. As though charging me $10 a month for four years isn't enough. I'm guessing they've made a nice $510 for doing what other banks do for free. I have moved to a local credit union that will remove the over drawn balance from my savings account before charging me an over draft fee and has no membership fees.

Posted by: Melllvar on May 31, 2007 at 6:15 AM

I'm glad it's not just me. This bank already had bad customer service, such as transfers not happening when I asked which lead to overdraft fees, etc. However, today was the final straw. I still use an account that was set up when i was a child to deal with my stocks. Becaus it's an old account, my father's name is also on it, even though it's my account. I have gotten dividend checks from this account numerous times and deposited them. However, this time they refused to let me deposit it because "You are not the owner of the account, you need to get your father to cash this for you". This was never an issue the previous dozen times I made deposits from this account. But here's the kicker. First, I have racked up over $100 in overdraft fees due to atm fees, including when I was refused, and a balance inquiry from a different ATM. Also, they couldn't give the check back to me because they sent it via mail, but it hasnt come yet. It is now thursday and I deposited the check last Saturday. So now, all i can do is wait for the mail and hope that I can get this sorted out before my rent check bounces. So I might bounce rent, even though I have the money, but they wont let me touch it. It's crazy, the stock company let me access it without anyone else, but US bank wont cash it for me. Worst customer service ever. On top of everything else, they tried to say that it was my fault, because they looked at my check more skeptically because my account was overdrawn, but it was overdrawn because they refused to accept a large check. What is the point of having overdraft protection if they will penalize you for using it? AAAAAAAAAhhhhh!

Posted by: Alexander on July 5, 2007 at 1:43 PM

I work for this place and will no longer bank there a few weeks after I started. They screw everyone. I am one of the people you talk to when calling in about fees and I would just like to say sorry. I do what I can to be fair! Usbank IS only in it for the money.

Posted by: Britt on August 7, 2007 at 6:24 PM

OMG I hate this bank so F***ING MUCH!!! I know how you guys feel. I bought diapers online for my children and, when I checked the next day, my available balance was where it should be. I then checked my balance again 3 days later cause I don't trust US Bank and I had more money than I was supposed to and I thought that maybe the diaper order was canceled for some reason or something. I was checking my balance over the phone, btw. And I had bought the diapers over a library computer. Anyways, I noticed that my g/f had not yet received the diapers, so I assumed that the order was canceled. Later on, I buy a couple of times through my debit card and now have about 39 dollars. I later on decide to withdraw 30 dollars and buy some diapers at the store now that I have the time. Everything's find for 3 days. Then I notice that my g/f received the diapers and I check my account. It's still the same. My charge online was not in the available balance. And if it's pending verification, shouldn't it be in the available f***ing balance?! I get scared and think, "Hey. I had enough money before I withdrew my 30 dollars anyways!" WRONG!!! Apparantly, I withdrew 30 dollars BEFORE my debit charges. Which is complete BS. All in all, I would have only ONE overdraft charge. But not only that, all of my debit charges were moved up in date. WTF?! I saw debit charges I had made 2 days before even the diapers!!! They set up the BIG charges before the little ones so they could milk out as many O.D. charges as possible!

Defend US Bank if you'd like, but I kept track of my account. I reviewed everything as it was and I should have only ONE O.D. charge because of my mistake. Instead, I now have SEVEN O.D. charges and multiple 7 dollars a day in the negative zone charges. I swear, the law needs to be backed more by common sense than cracks and misinterpretations. I'm closing my account after all of this!!!

Posted by: Andrew on August 12, 2007 at 5:27 PM

If there is a class action suit, count me in. Has anyone noticed that they send out these overdraft notices saying you have four days to cover the negative balance, but the notice never gets to you until it's too late to do anything about it. I was also charged $70 in overdraft fee's because my account was overdrawn by less than $2.00. They let the same merchant try to debit my account twice and chaged me $35 each time. They also let you withraw money from the atm when you don't know you have an overdraft or are close to having one, then stick you with the charges.
Will someone please sue this bank and put my name in the pot?

Posted by: kevin rowan on August 24, 2007 at 2:40 PM

Im with the gripers. I check my account constantly, have my own ledger. My husband opened a paypal accnt and to verify your account they did 3 chrgs to our account. No biggie. 1 dollar 3 times. I saw a debit in pending of 20 dollars. My account balance available was less this 20 dollars. Also reflected in my register. As payday drew nearer I saw this 20 still pending. Over a week later. My account was getting low. When paypal went through it added 3 1 dollar charges to pending. I called, spoke to a very uneducated person and decided to go to my branch and deposit CASH...not checks, CASH to be certain that these items that were chillin in pending did not post and incrue fees. Made my deposit and was told by the highly educated teller (yaeh right) that the deposit More than covered the now 4 pending transactions. I have the time stamped receipt. Low and behold I wake up this morning with 136 dollars total in fees being taken from my account. took said receipt to manager and she shrugged her shoulers and said, well we always post our debits before we post our credits. So the deposit of CASH I made, never posted....not until those pending trans in the amount of 23 dollars total posted charging fee after fee. Hmmmm

Posted by: stephanie on August 30, 2007 at 6:58 PM

Well im glad to know my wife and I are not the only ones getting royaly bent over by US bank. I dont have to tell you my story with them because everyone here has stated the same problems that my wife and I have. Im going back to WAMU. I opened an account with them about 5 years ago and I just wanted a checking account but they only open savings and checking together. And they told me that I needed a $300 balance in my savings or I would get charged a monthly fee. Well I keep my savings elseware and at the time I did not have the $300 extra to put in the WAMU savings. So after the first month went by I noticed that there was no fees put on the savings account. I checked the details of the account and they automatically reversed the charges they put on. And they have done that every month since with no initiation from me. And for the US Bank lovers on here (who are probably getting a cut to come on blog sites and support them) who say all banks hold deposited funds you are WRONG. Every time ive I have taken a check for any amount from $25 all the way up to $2000 to my other bank there has been no hold what so ever. Its there bam ready for me to use!!!

Posted by: Greg on September 26, 2007 at 9:36 AM

Damn right, Greg. As far as I know, my credit union makes all the funds available right away. In the past, I always had to wait a few days before the funds were made available by US Bank. And it wasn't like I switched jobs or payment schedules a lot. I always deposited my checks on the 1st of the month. Same thing, every month for four years, from the same US Bank checking account. I'm not a big spender so it seemed to be no big deal. I have no idea why it took a few days to clear checks from another US Bank checking account. I had no idea how terrible US Bank was until I left...kinda like my ex-girlfriend. Ahhh....freedom...

Posted by: Melllvar on September 30, 2007 at 6:39 AM

Is anyone getting a class action suit together???
http://www.myspace.com/usbankboycott

Posted by: boycott US Bank on April 25, 2008 at 12:25 AM

US Bank is trying to avoid the bad check syndrome so many people blame the bank for!

OK so you have $20.00 in the bank, god thats a scary thought! Some one gives you a check for $300. The bank only makes $100 available until the check clears the other bank!

So you go out and spend $90 bucks out of the account. The day after that the check is returned as ACCOUNT CLOSED! So who pays the bank back for the $90 bucks you spent plus an overdraft fee of $30 for each transaction?

You say "It's not my fault the check was bad!" "Why should I have to pay it? The person who wrote me the check should have to pay not me!"

It's your account you pay!

Posted by: Skottfree on April 26, 2008 at 9:16 AM

Hey guys... Here's the helpful hint of the day: Pay Cash whenever possible! Really, don't allow the bank to handle the transfer of your funds. It's obviously unreliable and when you have cash in your pocket you always know how much you have. No guessing if your bank is going to be accurate and fair. Count your money on hand and that's what you can spend. No more!

Posted by: Jack on April 27, 2008 at 3:40 PM

Okay "Josh" and "Scottfree" and "you don't need to know"...you're complete idiots. My ex always has six digits in his US account and he's never had a problem. If you regularly keep $1,000 or less, however, they WILL mess with you, be it $1.00 here or several hundred in fraudulent OD fees there.
My mom-in-law had two accounts: one always just had a few dollars in it, the other she kept at about $1,000 and paid bills out of it, and that's the one her satellite company for years always automatically deducts her monthly payment from. One day the small account was overdrawn. She was told that it was the satellite company's payment that did it, and when she told the bank that she never authorized anything to come out of that account, they said "Oh, the satellite company must've done it." WHAT? How would they know about any other accounts, let alone be able to make decisions on someone's bank account?
Don't tell me, foolish people, that there must not have been any $$ in the $1,000 account for the payment...THERE WAS, as there always is. They were trying to overdraft her.
That's just the tip of the iceberg. The overdraft fees for us (my husband is a truck driver makes VERY little) went into the thousands. Don't tell us we didn't keep enough $$ in our account...we are with Unitus Credit Union in Oregon and we don't have overdraft problems. In fact, we have NO problems.
Why don't you GROW UP and realise that not everyone can keep several hundred thousand dollars in their bank accounts like you can? Stupid idiots.

Posted by: D on April 28, 2008 at 3:34 PM

Overdraft protection is a straight up JOKE.

They take $5 from your savings (which takes $25 from checking each month just to have savings, from checking and goes to savings and is mandatory) if you're over in checking, it scabs from savings to cover it and the $5, but what if nothing is in your savings??

$5, overdraft for savings and the original overdraft from checking. Depending on how many overdrafts you've had, it can be up to $36 EACH.

Imagine finding 6 overdrafts just in checking and the same in savings plus $5 each "try" they made to get money from an empty savings account.

Overdraft protection=US SKANK can legally steal.

They're not that bad if you stay in the plus. I've experienced the good and bad from us skank and I've come to realize all banks suck balls, so just stay with one and make it simple.

Posted by: josh M on May 2, 2008 at 2:52 PM

I HATE USBANK!

They charge you overdraft fees even when the balance at the time of the purchase is positive. For every $2 purchase I have made, I got charged $35 each time!

Basically, I've paid $300 in fees to this greedy bank. They don't give a shit about their customers!

Posted by: Anna on May 20, 2008 at 3:29 PM

I deposited a sum of money from the sale of a house I was involved with. The next day I transferred it to my ING savings account. Well, they still have my checks on hold and I am now overdrafted due to me trying to put it in savings. BS!!! They now won't even give me the checks back that they are holding. WTF???

I could take those checks across the street, open up an account at a seperate bank, deposit the money and access & transfer the money immediately to my USBank account to cover what I am putting into savings in one afternoon. No problem. Instead I am sitting here, with no access to my money, wondering when they will let my money come off of a hold, and wondering what the overdraft fees will be. I now hate USBANK. They get to hold my money, gain interest on it, charge me OD fees, and act like nothing is wrong.

Posted by: Dustin in Des Moines on June 27, 2008 at 1:30 PM

For those that claim that people can't manage their own money then explain to me why USBank takes overdraft fees from my account on a positive account balance. They take enough fees out in one day to make my account balance negative and then anything after that comes through is hit with a fee also. I had to fight tooth and nail with them to return the fees since it was their error in the first place. I wasn't waiting on anything to clear, I deposited cash the day before and they were trying to claim that the CASH deposit hadn't cleared yet. I am sorry but why should you have to wait for a cash deposit to clear? At my credit union if I deposit a check the WHOLE amount is available to me automatically, no holds at all. Now I am fighting them because I authorized a certain amount on my card and the actual amount that came out was $5.00 higher than I had authorized. It was enough to bounce the account and cause a fee. When I spoke to the seller who I sent the authorization to they stated they only received funds in the amount I authorized of $267.53. USBank is trying to say there was a tip charge of $5.35 added yet there is no record of that with the seller who is an online florist and doesn't use tips. But magically it was enough to cause a $35.00 fee in my account for overdraft yet noone can seem to figure out where the extra $5.35 I was charged went to. Now for those mean people who seem to think those that have problems are only people that are irresponsible then let me tell you I am not. I knew exactly how much I had available and I authorized an amount lower than what I had yet somehow USBank found a way to get a fee in there. Plus let us not forget the fees on a positive account balance. You tell me they are not screwing with me after that.

Posted by: Elizabeth Sorrell on November 18, 2008 at 2:24 PM

I admit I screwed up my account with US Bank, but when you send me a letter telling me you will work with me when my account is overdrawn, THEN you tell me the only way you can help me if is we close down your account and repay the past due is total B.S.! I am disgusted with their service and for 5 star service..again, B.S! I used to like US Bank..no longer!

Posted by: Steven on February 24, 2009 at 9:02 AM

It's a tough time and we're behind on our car payment and they call and are so NASTY. They're collection office in Cincinnati is where they are. This one person Sheila, was so nasty she wouldn't even hear our problems. It seems unfair that they get bailouts and they use none of that to even give us 60 days more. I'm out of work and need my car to find work, I asked for 60 days...no way they said, pay now or we file criminal charges against you...did I say NASTY....and they don't give a damn that they're taking your car and parking it and that no one is going to use it and this is all a waste....it's stopping me from finding work, it's stopping America and causing more problems in the economy.

Posted by: Joseph on March 6, 2009 at 6:13 PM

Man I just closed my bank with them they I checked my account with them and I still used my debit card while I was being told I was still in the positive. Then they tell me my account was overdrawn on a fee i didnt know about that brought me into the negative and that was posted on March 5th of this year which was 4 days ago so all the while I was told My account was still positive but I was really overdrawn. I called to find out what happened and all these late charge fees start coming up and they couldnt do anything about because it wasnt a bank error. Was it my fault I didnt know my account was overdrawn? After all I dont think a bank should take 4 days to post your current transactions. it took my whole paycheck to pay it off. and i needed that money for food and gas.

Posted by: Mark on March 12, 2009 at 10:25 PM

I have a story to tell about these worthless asshats, this involves my mother fraudulently using my information to open up a credit card in my name. She had fraudulently used my personal information when I was in high school, in class and US Bank in their stupidity, put me down as a secondary on the card with out my consent. I did not know the card was in my name till my mother recently passed away as I called US Bank to have the account closed and written off, and they informed me that I was on the account as well. I told them many times this was impossible and they would not listen to me. I filed a police report for ID theft and have proof that I was in high school in class when the account was opened. To make matters worse, US Bank has now retained an attorney to try and get the $20,000+ out of me that I did not charge to the card. And whats even worse, the bank knows they are in the wrong, but are trying to force me to pay for this debt that is not mine. Thanks to them, my credit is ruined, ruthless bastards.

Posted by: PissedatUSBank on April 6, 2009 at 2:45 PM

Maybe we should start a club or something. We could go visit convicted felons and hire someone to rob local branches. Even if they clean out all the branches in the tri state area, US Bank will still be showing a profit because of their unfair practices. Whether it's a fee or/and a overdraft, these people are literally sodomizing me on a monthly basis. If you are looking for a checking account, don't go with us bank unless you enjoy getting fucked on a regular basis.

Posted by: Ian W on April 11, 2009 at 2:45 PM

A class action lawsuit agains U.S Bank has been started and filed. Please join all of us and stop the greedy bank from screwing us consumers over. http://www.hbsslaw.com/usbank;jsessionid=aBeMGKc_PZqd

Posted by: Jason West on April 17, 2009 at 8:33 AM

Our bank (Downey Savings) was handed to US Bank by the feds a few months back. When I heard of this, I did some research and while all banks have some negative reports, this page seemed pretty consistent but the last posting was over a year ago. I figured since I was coming in as a 5 year customer things might be different.


So now the first day they "officially" take over and my wife goes in to make a deposit in our account which also has a dba attached. First they tell her she can't deposit a check written directly to her into a business account. She proceeds to tell them that it's a personal account that has a dba attached for our small business. Apparently USB doesn't have such accounts but will make a temporary exception, however only the first 100.00 of the deposit will be available. This is not because we're a new account holder but they simply don't trust that what you're giving them is valid. I needed this money to be available because while she was at the bank I was writing a check for a car repair that I knew the mechanic needed to go cash. Did I mention that 250.00 of the deposit was in CASH!! Needless to say they did not honor the check I wrote later that afternoon and hit me with a 35.00 fee.

Did I also mention that I just pulled every dime out of US Bank and am going elsewhere? I certainly did to my branch manager. Which by the way I've known for 5 years, always had a good working relationship with, and has always bent over backwards the few times we've had issues. With this she rudely told me their no longer a small local bank and according the their new corporate training we should all get used to the new days of big brother banking.



Screw that. Let's see big brother manage the safe in my house.

Posted by: Mike on May 20, 2009 at 11:22 AM

Wow. I figured others were getting the same screw job from these vampires, but had no idea how many stories exactly like mine I would find simply by googling "US Bank Sucks". My story is just like dozens of others I'm reading ($1200+ in bogus NSF charges in the past year - I've even had them hold cash... I repeat, CASH deposits from 9am until the end of the day so they could charge overdrafts on whatever came in that day) And since it's probably only one in 10 victims actually posting their stories online, it's astounding to think of the number of normal, working people they're doing this to (Big balance carriers never have these problems of course, because banks exist to protect the wealthy at the expense of the poor). It's just more upward funneling of our nation's wealth.

So seriously, has there been any effort to start a class action suit? Where do we start? I'll start phoning lawyers tomorrow if we can get enough plaintiffs together.


Posted by: dylan on June 9, 2009 at 10:11 PM

They actually offered us a 23% interest rate for an auto loan! We've never missed a car or house payment but had some credit card issues when we went thru a rough year of unemployment. Having to turn in a lease we needed to get another car recently and they actually offered that kind of rate on a car loan! The government should look at banks that try to rip off consumers like this one! Keep your filthy money US Bank, we'd rather walk to work! Great job at getting this economy rolling - jerks!

Posted by: Anonymous on June 25, 2009 at 12:31 AM

This bank harasses customers. Don't use them. My credit card payment was less than 10 days late and they were calling me two or three times a day harassing me....

Posted by: MEM on June 25, 2009 at 10:40 AM

US Bank Sucks, I just got charged an OD fee due to 2 ATM Bank Fee Charges. A $2 ATM fee cost me 39.00 OD Fee. I've already sent in my forms to my employeer to have direct deposit sent to another bank. All the money they have made from me in ATM fees, using my debit card (they make a crap load off this)..is all now a thing of the past for US Bank. And by the way, they took money from the gov, they are not so good with there money as well.

Posted by: JT on June 30, 2009 at 9:26 PM

So, here's my USbank sucks ass story. I was newly separated from my wife and opened up an account at US Gank since it was just down the street from my work and I had to do deposits there any way for work. BIGGGG mistake! I wrote a $200 dollar check to get a crappy little apartment. I had $350 in the account. My new land lord sat on the check for two weeks. In the mean time I over spent by $2. This was helped along by us banks ATM Fee's for checking your statement, $1.50 a pop to see if things cleared. By the time I caught the over draft they had bilked $95 dollars in fees. I spoke to the manager and she was nice and reversed all but the first fee of $20. By then my direct deposit had hit and I had money again. I paid my bills and everything was fine, until I over drafted by $0.20 checking my account at the ATM (I did not have internet, computer or even a home phone at the time). This was the monday after my deposit hit, and I had two weeks until another payday. Not only did they hit me for $35 dollar over draft, but $7 dollars for EVERY day that I was negative. 7x10= $70 plus every one of those daily negative balance fees came along with another $35 over draft fee. 35x10=$350. Twenty fucking cents turned into FOUR HUNDRED AND FIFTY-FIVE DOLLARS! When my pay hit they sucked up my whole measly $395 dollars of pay plus I still had a negative of $60. I don't know about the stanch defenders of US Gank but I'm locked into this weird habit where I need to eat food to continue living, and I was pretty sure that I had to support my habit for the next two weeks, so after telling the bank manager "thanks for nothing" for not dropping the fucked up fees, I hit the ATM outside and sucked my negative balance all the way to -500 dollars. I burned my check book and debit card that night. US bank reported me to the credit blacklisters but as long as I live they will never get a cent from me again. You can feel superior all day long when people goof up and make small errors with their accounts, but how is it right when a penny error turns into a pound of flesh? Really should twenty cents overdraft result in losing an ENTIRE paycheck? They can go to hell. I've banked at a few banks, but I NEVER had any other turn a minor mistake into an opportunity to steal ALL the money I had in the world and leave me with nothing to feed myself. US Bank is criminal, they need to go out of business. I literally hate them to the core of my being.

Posted by: 1776jedi on July 8, 2009 at 6:34 AM

Someone needs to start a usbanksucks.com site. I was told the wrong fee by an employee and therefore was charged by usbank hundred of dollars for overdraft fees. They have a shady practice.

Warn all your friends and family not to use US bank and try to get in one the consumer fraud cases against them. Just search and will find it.

Posted by: UsBankSucks on July 17, 2009 at 1:54 PM

19.I was recently issued a US Bank check from a US Bank customer who is a client of mine. So I proceeded to a US Bank Branch to cash the check. The teller proceeds to ask me if I am a US Bank customer…no I am not. Well, you will have to pay US Bank $5.00 to cash this check. WTF!!! You have got to be kidding me…am I on candid camera or what!? Yes…this check costs $5.00 to make it a cashable check. I have never heard of such a thing.

I WILL NEVER BE A US BANK CUSTOMER….WHAT A F—ING JOKE!!!!!!!!!!!

Posted by: DONT BE A US BANK CUSTOMER on September 17, 2009 at 5:42 PM

Randomly had my credit limit dropped b/c "something negatively effected my credit score" (which hasn't changed in the past 5 months). They notified me by mail and apparently couldn't send out an e-mail because they can't? What company can't send out notifications like that via e-mail nowadays? Since I moved and not all my mail has been forwarded I never got the memo, this caused me to overdraft on my credit card. Also, when I called customer service to figure out what happened the lady had such an attitude. As soon as my card expires in June I'm out.

Posted by: Tom on January 31, 2010 at 2:56 PM

How is it that I have to have my wife come in with me to cash a check on at US Bank (where we have several accounts) just because the check is written to both of us? She signed it and I signed it at the bank. I work in a larger town and we live in a small town where there is no longer a US Bank branch, so it is completely impossible for my wife to come to the bank with me since the only time I can go is afterwork. I have been to this US Bank branch several times to complete the same transaction, but this time I am told they aren't supposed to cash the check without both of us there. The teller, who actaully seemed apologetic, told me he would try to remember me. I want to switch banks, but my wife doesn't want to go through the hassel. This is just the latest in a line of annoying practiices I have had to deal with. Thankfully I haven't had any major issues with overdrafts and fees (at least not yet), but I would love to switch all of our banking to a local credit union where I already have an account. I told my wife I will not go to the bank for her again as long as it's at US Bank.

Posted by: RobinIowa on February 1, 2010 at 9:01 AM

With out writing a huge text wall off complaints, which believe me I could. Just know that US bank is the worst finical institute that I have ever been with. They post date debits that haven't cleared and put holds on to funds which in more than one occasion has caught me and caused me hundreds of dollars in overdrafts and other fees. It is painfully obvious that they don't care about their customers only their bottom line. Bleeding their customers dry at any chance they can get.If you happen to be reading this trying to find a bank that's right for you. Do yourself a favor and stay FAR away from this bank.

Posted by: David on February 12, 2010 at 2:10 PM

I’ve worked at USBank in a technology capacity for last few years. I don’t plan on remaining much longer. After seeing what goes on there day after day I would never consider opening any type of account with them. They truly do suck!

Posted by: Unbelievable on April 6, 2010 at 5:57 PM

I just put up a video on YouTube that explains my experience and how bank managers get bonuses for taking on fees to your accounts.
zapit.nu/Iy

Posted by: Paul Coonan on July 21, 2010 at 6:46 PM

Paul,

Your experience with U.S. Bank pretty much mirrors mine. I personally think it should be illegal for them to refuse to close an account. But that’s what they did to me. Refused to close my account, even though I went into the bank with cash and said “tell me what I owe you?. They said some dollar amount…I don’t recall..say it was $100.00. So I said fine…handed them $100.00, but they still wouldn’t close the account because it hand “pending txns?. Guess what the “pending txn? was? My $100 cash deposit. So I was like…wtf? That’s insane. It’s not like it’s going to bounce. It’s a cash deposit. But still, they refused to close my account. Also told me I’d have to close it at the branch I’d opened it in (in Boulder, CO) when I was in San Francisco, CA. Not convenient, of course. Finally, I just walked away from it all and said “fvck it?. They ruined my credit history, and finally closed the account about a year later and sent it to a collections agency. I recall the day vividly when I found out they’d closed my account. I jumped for joy and sang “Free at last, free at last? like MLK.

Posted by: Rob Kiser Author Profile Page on July 22, 2010 at 1:41 PM

How about when US Bank held our "Money Order" for $40,000 from the bank we refinanced with for 10, YES 10, Days?!?!?! WTF???? We bounced checks from here to China - Ended up having to pay $800.00 in charges - But, even after that nonsense, I didn't switch right away - I had to have MORE bs happen before that . . . and it did!! US Bank is a joke and a fraud - PNC has been much better for us!!!

Posted by: Michelle on October 9, 2010 at 10:22 AM

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