Last month (november 2012) i accepted a job as a "mystery shopper". I received a check in the mail for $1,290. 00. I contacted the supposed employer and they gave me instructions on how to spend the money and send reports to them. I then deposited the check and waited for it to clear. Once the check cleared, i called the company to advise them. They advised me to follow their instructions on how to spend the funds. I did part of what i was told to do before the check came back as bad. My bank (u. S. Bank) then closed my account, reported me to chexsystems and sent my account to collections all in one week. I was never given a chance to correct the issue. Plus, because u. S. Bank reported me to chexsystems, my secondary bank (citibank)closed the account i had with them. Personally, i feel this was bad business on the part of u. S. Bank because i've had my account with them for approximately 7-8 years and never had a situation like this. Now because i have been reported to chexsystems, i can't open a bank account. Also, the collection agency harasses me on a daily basis. Is this legal?
I had called them twice regarding an interest accrual and late fee that was caused by a delay in the bank's own payment processing. The agents told me that it was because of a delay in how they had to process my payment so I should not be charged and will be taken care of. Then I get a collection letter in the mail, I call them and they say, payment due and they cannot find any trace of the last 2 calls! Unbelievable.
I cannot trust this bank with my money or my mortgage, getting out.
I had a large fraudulent charge on my debit card. I called and reported it when it was still pending. Customer service refused to remove it while it was pending and said 8-10 days to refund. I called to check on it 5 days in and they said not until the 10 days were up. Then I received a letter stating that it hadn't ever posted to my account, but it had the day after I initially reported it. I called and the person was unbelievably rude, wouldn't let me talk at all and wouldn't even listen to what I was saying, just kept talking over me. She said another 7 days to get the money back. I asked to speak to a manager and she transferred my to someones voicemail. I'm still waiting for a response.