Stevens Point, Wisconsin
United States - 54481-0327
Fair Credit Reporting Dispute Requests
Met with branch manager to discuss account nsf fees I didnt expect these to be taken off but had to ask if...
our checking account was recently overdrafted 1900.00. I have never heard nor seen a bank allow such a large overdraft but apparantly Associated Bank does allow this to happen. Now we are the criminals and they are keeping my husbands 1500.00 paycheck that was just deposited into his account. Doesnt matter that we had a dispute going already for three of the at withdrawals. Has anyone ever had this happen to them? Now we have Barry from Associated blaming us in this matter. I just cannot blieve it!
I was levied by the IRS and then the bank took a $100 "legal fee" for processing the levy. However, they never informed me of this fee, even though the law firm I work for is across the street from them and I had been their customer for over 2 years. In response to the $100, my account was overdrawn and I was charged an additional $315 in overdraft charges. Then, as I was paying it off, I received a call from their collection company but did not get the woman's name who agreed I could have until July 28, 2010 to pay the remaining balance. Instead, on July 26, 2010, they did a "Charge-Off" without allowing me the full time to pay it. The bank issued me a letter stating I did not in fact owe any money to them in the hopes that would allow me to open other bank accounts. They acknowledged that better customer service might have alleviated the charge-off but said because the woman at their collection agency never placed any note in her computer file on me, stating I had until the 28th date, there was nothing they could do. Elliott at this branch was helpful but in the end, I still got completely screwed. I work for business 20 feet across the street from this branch. I am SO disgusted I could cry. Because of some anonymous collection agent's negligence in not noting our conversation, I have a charge-off on my credit even though it states "no balance owed" or whatever, it still shows a charge-off. I will tell everyone I know about the treatment I received at the hands of Associated Bank and their shady collection company. DO NOT BANK HERE.
I have had an awful banking experience with Associated Bank . I have never received such terrible customer service by multiple people within and organization. The representatives that I spoke with made it very clear that they do not care whether they keep my business or not (needless to say, they definitely lost my business). There seems to be some major disconnect and the employees are NOT on the same page. I will also warn consumers that I witnessed some unethical business practices that were of grave concern. My recommendation would be to remove your money from this financial institution.
They gave me cash when I closed my account and there is no record of the cash withdrawal or of me closing my...
Last week I had a rebate form that needed to be deposited to my bank. Being as I work right next door I knew that I would be able to deposit the check. I wrote down the deposit and went to work. I didn't have time to stop on my lunch break so I went to deposit it after work in the ATM. Little did I know that they don't have envelopes at the ATMs for deposits. Which I have found out that you have to go into the bank to get the envelopes. It does me a lot of good to have to go into the bank to get the envelopes when if I was going in I probably wouldn't be going to the ATM. So I put my check in my purse and go on my way. The weekend comes and I use my card a few times forgetting all together that I have the check still. Monday I used the card 3 times. Monday everything from the weekend goes through. To my surprise I have 9 overdraft fees which are $35 each. But then I get this notice that the 3 items were presented to the bank and I had money in the bank, just not enough because the check is still in my car. How in the world can I have over-drafted those other 6 items if I had money in the bank when these items were presented to the bank. It doesn't say that I had this much and these 9 items were presented.
Solicitation Illegal or Not? I was shopping at Mega Foods West (Eau Claire, WI) where a gal from Associated...
I have been a loyal customer to this bank, however, they have changed. I have had an account with them for the last 20 years, when they were still customer friendly. They had a "courtesy" on my account to allow charges to go through, which brought me to $400 over my account limit. From there, they charged 16 separate overdraft fees in the amount of $35 each, which has me struggling to get back in the black. Now I am facing more and more fees and the money is evaporating from my account. <br />
I have spent hours trying to correct many of their mistakes over the last 2 years, including one today that had them depositing our paycheck into the wrong account. You guessed it: We were charged overdraft fees because of their error! God help you if you think that they are willing to help you at the toll free number, they will make you seriously frustrated, so I wouldn't suggest trying it. I am now switching banks, and looking forward to having access to ATMs and other services that this bank does not have readily available. I hope their disgruntled customers leave in droves, and give their business to more honest banks that don't want to see their clients go under!
This bank is very good at ONE thing...taking their LOYAL customer's money. I have been with Associated Bank for 15 years. I opened my mail today to see that I had $630 in NSF fee's from less than $200 in charges. I find that additionally there is a "courtesy" feature on my debit card that "allows" me to charge up to $500 in the negative before my card is declined. Over 2 days, the 2 days before Christmas, I made small purchases, almost all under $10 and was charged 18 times for Overdraft fee's of $35 a piece. When I called today, they again threw around the "loyal" customer statement stating they would credit me back a measly $150, when I refused, they said, "what would be sufficient for you"? Not only were they rude, insincere, they were incapable of removing the fee's that were ridiculously charged to me. They still seem to not understand that their attempt to "appease" me with the $150 was not good enough. I told them that the amount of money that it would cost me in late payments to my credit card companies and also in rent, was going to surpass their pitiful offer of $150. Overall, I am disgusted that this company doesn't grasp that their customers are the most important piece of their business.
My biggest frustration is that my card wasn't declined, not once out of the 18 times that I used it. Between the 21st and 23rd of December there was never an inclination that there was anything wrong with my account, even when I pulled money out of an ATM. I do not have daily access to internet so the ability to see overdrafts isn't something that I seek out daily, regardless of the very rude and unhelpful advice of their staff to "just look online or use a register". This company has never had an issue declining my card when I am out of state on business due to their suspicion of theft, but can't for any reason find a phone or email handy to help me to avoid ridiculous fee's. I would be very interested to add up the interest that I have paid this bank over my 15 years with them, since they are so readily eager to itemize my fee's. I can't wait to pull my money out, my entire families and anyone else I can get to pull their money out. I can't pay me rent, my bills, groceries anything, it's 3 days after Christmas, people are strapped without their banks gauging them needlessly. It's not much of a surprise why our economy is in the state that it is in with organizations like this.
Associated is manipulating checking account debits and credits to their advantage, resulting in multiple...
I have proof on printouts that I had a positive balance on end of closing day, plus 2 large deposits the following day. The bank charged me 2 overdraft fees $70, for taking a check cashed on the 15th, 2nd day, and putting it back to the previous day, and disregarding my cash deposit, saying I was overdrawn!This morning, I went online to find that they would not allow me to see my acct info for Oct 14 and 15! I called the main office-they said noone could. I immediately called the local branch and they had it! Just didn't want me to see my acct-caught a lie-they "marked the acct" knowing we complained the day earlier. Went back and forth on phone calls, branch to main office bounced around. Branch said they would handle any issue to come in the day before, so I did. They didn't want to talk about it, told me to leave! I was nice, as I want my refund and hanle this thing. Said they would call police to have me taken out! They did call! The officers were helpful to us, the bank made a fool out of themselves! We closed out acct after 8 years thee. Never gave them any problems in past. They were awful beyond belief. We are persuing further action
My bank continues to charge me overdraft fees of $35 each time I am over drawn. While I know this is a fair...
this bank is a bad place to do biz, was in the flood went to get my fema money out thay wodent give it to me, nex thay added nsf charges fore checks riten to pay contracters for reppair work after flood with loan money from the grater flood releef fund was told that i wood have to give them atleast three days before i coud use the money and thay hit me with nsf fee's fore checks ritten to contractors even with a balence over 26000.oo on the account when i used up all the money tring to fix my house thay closed the acount on me with no prier notes and charged a nother adninistration fee fore closing the acount, now i cant even get a checking or a saving's till thay get more mony from me as thay have sent it to a colection compeny that thay owen and are reporitng bad det each month on my credit report,
These folks are tricky! They claim 'overnight' processing, and process a load of debits and credits the same day to my account. So, my direct deposit goes in the same day as debits go in. But they charge me an NSF fee. Why?
Their explanation is that the debits were 'there' first in the overnight processing.
Way to make a buck!
I opened my statement on line and found that one item made me go about slightly negative in my account. Instead of charging me a fee for that one item, they moved transaction around to there advantage and charge me over $310 in fees in one week. I called them and they told me they would look into it but they never responded. I have been with them for 14 years and as I look through past statements, I see that they have been manipulating to their advantage all along. That's why my tax dollars along with part of my pay checks go to bailing them out.
Don't use this bank and tell everyone you know.
Associated Bank "misplaced" (they say by a coding error) a $400.00 cash deposit that created overdrafts to my...