What is the name of your state? Oregon
I am a disabled single mother by divorce with child responsibilities. I filed a dispute with US Bank regarding unauthorized charges by eBay/Paypal in the amount of $404.40. The bank told me that there were sending me an affidavit to complete and sign and that they would reverse the charges. I did as was instructed to by the bank and faxed the affidavit in to US Bank per their instructions. In the meantime, Paypal/eBay contacted me several times to advise that the charges had been reversed. I was glad to know this, but as each day went by, I noticed there was no reversal of this money back to my bank account. I continued to ask eBay/Paypal where was the money while I continued on with my bank dispute. eBay/Paypal had lied. They never reversed the moneys. On/about August 7 or 8, I had revoked any further transactions with eBay/Paypal because they suspended my seller account that I had just started up to see if I could make financial ends meet. But on August 14 or 15 eBay/Paypal did go in anyway and charge my bank account the $404.40. This caused my bank account to go into hundreds of dollars in a deficit. This is why I filed the bank dispute on these moneys.
I warned US Bank that I only survived on disability payments to pay my bills every month and these payments were on direct deposit with the bank. I further warned US Bank that my account was in a deficit and that by law my disability/small child support payment should not be involved in this dispute, not to touch that money that I live on. Instead they continued to drag their feet on the dispute though it was supposed to be resolved within 10 days. I believe they dragged their feet knowing that my disability payments were going to be automatically directly deposited on around the 3rd of September. This is exactly what happened. Now I have no moneys to pay my rent, utilities, food, water, garbage, cc bills; I am in a financial hole. My disabilities have worsened but the bank does not care. I understand by having spoke with legal aid a while back about my disability payments that they cannot be used to make up any debt or dispute with any company and also, US Bank.
In addition, US Bank has racked up $100's in NSF/Overdraft fees, and they are charging my account daily in the amount of $7. I believe US Bank dragged their feet on the dispute because they had no intention of reversing the charges because eBay/Paypal is their client. They deliberately delayed resolving the dispute for me because they knew my direct deposit disability payments would "hit" my bank account.
They continue to ignore me even though I've gone into my branch and submitted proper documentation in support of my claim, and I had previously faxed this information in also. The White people in the bank refused to help me today, esp. the manager Debbie but continuing on helping other people coming into the bank. She refused to assist me, and I nearly had a nervous breakdown hard of breathing, but she still did not care and refused to assist me. I have seen many horror stories such as this site: http://finance.groups.yahoo.com/group/usbank_complaints/links/US_Bank_US_Bancorp_P_001092983118/ on how US Bank discriminates against disabled citizens, Black people (it's always these Whites doing this notariously) and having lawsuit after lawsuit filed against them.
Today, I am $89 dollars in a deficit in my bank account and it was previously over $669 in a deficit prior to my direct deposit moneys hitting my account that paid for the deficit. I understand this is against the law -- for any company including a bank to touch my disability payments. Those people at the bank today just walked around like zombies and robots and didn't seem to give a damn that I was nearly dead. They just didn't care how my health was and continued to pass me up. I truly hate people like this and want to file a civil action against them eventually, but for right now, I have no way to pay not one bill!!! I am past due on my debt obligations now. I spent a lot of the day calling my creditors requesting extensions and payment plans because I have nothing to pay them.
This is an extremely urgent situation. Please assist ASAP. Thank you. Kim
URGENT!!!!!
I am a disabled single mother by divorce with child responsibilities. I filed a dispute with US Bank regarding unauthorized charges by eBay/Paypal in the amount of $404.40. The bank told me that there were sending me an affidavit to complete and sign and that they would reverse the charges. I did as was instructed to by the bank and faxed the affidavit in to US Bank per their instructions. In the meantime, Paypal/eBay contacted me several times to advise that the charges had been reversed. I was glad to know this, but as each day went by, I noticed there was no reversal of this money back to my bank account. I continued to ask eBay/Paypal where was the money while I continued on with my bank dispute. eBay/Paypal had lied. They never reversed the moneys. On/about August 7 or 8, I had revoked any further transactions with eBay/Paypal because they suspended my seller account that I had just started up to see if I could make financial ends meet. But on August 14 or 15 eBay/Paypal did go in anyway and charge my bank account the $404.40. This caused my bank account to go into hundreds of dollars in a deficit. This is why I filed the bank dispute on these moneys.
I warned US Bank that I only survived on disability payments to pay my bills every month and these payments were on direct deposit with the bank. I further warned US Bank that my account was in a deficit and that by law my disability/small child support payment should not be involved in this dispute, not to touch that money that I live on. Instead they continued to drag their feet on the dispute though it was supposed to be resolved within 10 days. I believe they dragged their feet knowing that my disability payments were going to be automatically directly deposited on around the 3rd of September. This is exactly what happened. Now I have no moneys to pay my rent, utilities, food, water, garbage, cc bills; I am in a financial hole. My disabilities have worsened but the bank does not care. I understand by having spoke with legal aid a while back about my disability payments that they cannot be used to make up any debt or dispute with any company and also, US Bank.
In addition, US Bank has racked up $100's in NSF/Overdraft fees, and they are charging my account daily in the amount of $7. I believe US Bank dragged their feet on the dispute because they had no intention of reversing the charges because eBay/Paypal is their client. They deliberately delayed resolving the dispute for me because they knew my direct deposit disability payments would "hit" my bank account.
They continue to ignore me even though I've gone into my branch and submitted proper documentation in support of my claim, and I had previously faxed this information in also. The White people in the bank refused to help me today, esp. the manager Debbie but continuing on helping other people coming into the bank. She refused to assist me, and I nearly had a nervous breakdown hard of breathing, but she still did not care and refused to assist me. I have seen many horror stories such as this site: http://finance.groups.yahoo.com/group/usbank_complaints/links/US_Bank_US_Bancorp_P_001092983118/ on how US Bank discriminates against disabled citizens, Black people (it's always these Whites doing this notariously) and having lawsuit after lawsuit filed against them.
Today, I am $89 dollars in a deficit in my bank account and it was previously over $669 in a deficit prior to my direct deposit moneys hitting my account that paid for the deficit. I understand this is against the law -- for any company including a bank to touch my disability payments. Those people at the bank today just walked around like zombies and robots and didn't seem to give a damn that I was nearly dead. They just didn't care how my health was and continued to pass me up. I truly hate people like this and want to file a civil action against them eventually, but for right now, I have no way to pay not one bill!!! I am past due on my debt obligations now. I spent a lot of the day calling my creditors requesting extensions and payment plans because I have nothing to pay them.
This is an extremely urgent situation. Please assist ASAP. Thank you. Kim