Bank charges ridiculous fee!

US Bank

608-781-8101

201 Main St.
La Crosse, Wisconsin, 54601
U.S.A.

US Bank

Here was written,

Mike

La Crosse, Wisconsin

I went to US Bank today to cash a check for $20.00,

I was told there is a $5.00 Fee to cash this check,
unless I open an account.That is a 25% Fee for cashing a check from their own bank.

What a rip, I talked to the teller's supervisor, unable to resolve the situation, I told him that I will turn them into the Better Buisness Bureau ( www.BBB.ORG ).

And WWW.ripoffreports.com, he said he don't care!!
So, there you go, DON'T DO BUISNESS WITH THEM !!

Mike
La Crosse, Wisconsin
U.S.A.

This is the same type of fee that Bank of America charges for cashing a check from their bank.

For a long time, it has been understood that check cashing typically comes with fees, but this move takes it a step further since the check cashing fees are charged even if the check is drawn from that bank.

I went to Bank of America this week to cash a check. I did it because there may be a hold on some of the funds at my own bank which is Wells Fargo.

I went to B of A and had to wait a long time. They make you speak to an account manager at one of the desk. They keep asking me about getting an account. I tell them I got an account and don't need another one, just to cash a check from there bank. I mean, what if I don't have an account somewhere else? Is there any law saying I have to have an account anywhere?

If someone writes my a check from Bank of America, or any other bank for that matter, then I should be able to cash the check at the issuing bank without a hassle or fee as long as the check is legitimate...after all can't they easily verify one of their own account?

I complained about the 30 minute wait in the waiting area and immediately other people in the waiting area began to echo my complaints. The man at the bank who was essentially greeting people and surely helping to manage accounts began to defend his bank but was quickly snuffed by our combined and reasonable complaints.

I told him the bottom line is no one wants to do business with a person or business because they have to. His bank is essentially using blackmail to get account holders. It's a shame that so many people seem to buy in to there method.

Bank of America customer service letdowns

Ever been to a bank to cash a check issued by them....and they charge you a fee...as the check recipient?

Well, that's what Bank of America does. You thought the $1.50 or more for using the ATM was unreasonable. For one thing, the ATM fee, as bad as it is, it's simply a convenience fee. Since you have the option to go to the ATM of your own bank and get your withdrawal transaction done for free. With check cashing however, if the check is being cashed at the bank of issue, such as an employee cashing a check from a business that has an account at said bank, then what is the reason for this fee?

It surely is not a law to NOT have a bank account. So why then does Bank of America (B of A) (actually S of B) but again, why do they charge $5 to the person cashing the check if it is indeed a Bank of America check?

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Bank of America will then also badger you about opening up an account with them every single time you visit their bank for anything. They tell you that you won't have this $5 fee if you simply open up an account with them.

Perhaps you already have an account at another bank like Wells Fargo for instance, but you don't want to wait for a hold on the check or perhaps you are not near a Wells Fargo and you need or want cash now.

So in other words, Bank of America blackmails you into getting an account by having their check issued to you, it gets you into their bank and they then use that against you.

Talk about an insult of disrespect to your customers. Bank of America is clearly in the practice of dirty business. They don't respect your rights or opinions, they simply want to decide for you, or else....you're gonna pay.

What's worse is that they will act as if all banks do the same thing, which is indeed not true. In fact there is probably no other bank doing this. If they all jump aboard, then I think it would only be reasonable to stop doing business with them.

I for one have had an account with B of A in the past and for some reason, they could never show me a balance on my account that matched my records. There was always some extra fee or some unexplained reason why the balance was not right. Luckily this never happened with any other bank I've used such as Bank of the West, Wells Fargo, Washington Mutual or Union Bank of California.

Clearly, if I had my way, no one would give Bank of America a penny of business....but unfortunately they are the world bank. They rule everything, because we give them the power.

Recent overdraft bank fees

It is important to keep a sharp eye on your bank account balance, especially if you tend to have a low balance, since you do not want to pay the ever increasing bank NSF fee that you get when you use your bank account beyond its limit.

The fees for NSF have gone up in some cases for instance from around $22 - $34 or more. You want to avoid this fee. Of course by simply maintaining a significant balance, you shouldn't have any problems...but you hate these fees? They are annoying, however, if you so dare, you can try to have these NSF fees waived by talk to a bank rep. Sometimes they will do this very easily....other times, not at all.

Pay to play society

Ticket violations - The large fines and hefty penalties that come with most city and state citations can be rather shocking if you are not familiar with the legal system.

The problem is that many people don't take the law seriously and when it comes time to pay a ticket, they forget or ignore it. Nowadays, the courthouses don't go easy on you in any way.

Not only will your initial citation be a fairly high expense, but if you miss a court date, you will probably get charged an additional fee that is significantly higher than the initial fee.

It is very common in many states...such as California, where many residents have experienced license suspensions and warrants for seemingly minor infractions and violations.

Where do these funds go? To support a legal system of administration that does not want to be removed from establishment. Lawyers, bailiffs, judges and commissioners abound and a legal structure that is very clumsy and inefficient.

Hidden charges - The problem with cell phones

Most of us have cell phones and many of us are with one of 4 major carriers.

These include companies like Verizon, T-Mobile, Sprint and AT&T/Cingular.

These major providers have a stranglehold on many consumers who have contracts.

The cell phone bill is usually not what is advertised as well.

Doesn't it drive us crazy to get our phone bill from say Sprint for example and you see that your bill is easily 2-3 times as much as what we expected. Many of us have experienced this.

The reason why is because of all the undisclosed fees and taxes that are introduced on our contract billing.

By developing their fine print to the point of insanity, the lawyers of these major corporations will have us believe that we can trust them based on the neatness of the advertising campaign or some trivial feature to their product or service.

Many of the features on a cell phone are more difficult to avoid than to purchase.

With so many 3rd party companies adding on 3rd party services, you are also risking the privacy of your phone bill information if you don't keep very close tabs on your service provider.

The fact is, many cell phone companies are fleecing Americans. They are pretending to sell products and services at one price that doesn't include all the extra fees.

Also, frivolous behavior is another safe bet for cell companies and similar products.

When a user sees that he or she can buy say a ring tone on their phone, it creates an impulse debt situation where a person is disconnected from the end result for a limited time.

This is the behavior that is responsible for some of those surprise charges.

We all know that we can dispute many charges and get our money back much of the time.

The problem with this is that it can be very time consuming and frustrating dealing with the customer service departments of many major companies.

The third world and automates outsourcing allows the major companies the cut cost, but does it do anything at all for the ethics of good business and support of ones own economy? Probably not!

Hopefully with future changes in the White House and other political circles, we will see an end to a never ending ongoing war and we will see that environment for a self sustaining domestic economy will be improved, until then I think, in order for us to spark the economy back into full gear, one thing we need to do is restore consumer confidence.

Many consumers feel that the inflation is much higher than the media may report. This is probably thanks to many of those hidden fees and back end charges.

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