US Bank

Loan modification - I have submitted documentation showing my monthly expenses, which is equal to a minimum of $3,509. These expenses include credit card bills ($336), medical bills ($430), home bills (groceries, utilities, and maintenance for $770) and auto bills ($373). All of these expenses were itemized with each cost. I also submitted documentation to show that even though my gross pay per month is around $3,892, my net is only around $2,434. I have also submitted documentation verifying gross and net income. Research on May 18, 2012 shows the values per the following websites: $66,000 on Zillow.com, $67,466 on Trulia.com, and $73,974 on the City of Independence's website (for tax purposes).

As you can see, I am underwater by about $100,000 on this property. That is why I am respectfully requesting assistance in the form of the Principal Reduction Act presented by the Obama administration. As you can also see, I am already unable to pay my bills. I am being treated for severe depression, rheumatoid arthritis, high blood pressure, insulin dependent diabetes, and depending on the results of next week's test, multiple sclerosis. I can already not pay my medical and other necessary expenses. I do not live in the lap of luxury. I do not have cellular service, internet service, cable service or the necessary equipment, such as a cellular telephone, computer, or television. They are abusive and uncooperative.

My experience with US Bank was awful! A few months ago, my cell phone provider's automated system accidentally removed $245.00 from my US Bank account. Now, I bank with chase, but I keep the US Bank account for my direct deposit for work. (US Bank will only direct deposit to a US Bank account.) When they took the funds, it resulted in overdrawing my account.

First of all, I was never notified by US Bank until a week later when I checked the account. When I called to discuss it, I was told by a customer service rep I had to go into a branch; and then, he hung up on me! So I went to a branch where I was told that since I was an employee, they could not even touch my account. Finally, I went downtown to the main bank and was able to file a fraud report against the company. After all of that, I received a letter stating that I approved the funds and would not get my money back! Now why would I purposely overdraw an account that I need for work?

A few days later, I received a call from the repayment department suggesting I do a 3-month repayment plan. Even though I didn't feel like I was responsible and I needed the account, I agreed. My payment was due on the 30th of each month. Well, when the 30th came around, I had an unexpected bill and didn't pay it. Well, on the 4th of the month, US Bank took the funds and overdrafted the account again!

I called several times and was told by an automated system that I needed to "call back in an hour" and was never able to get a rep on the line. On the 15th, I went to my bank to withdraw my paycheck (knowing that half of it would be taken for fees), only to discover my account had been closed! The rep I spoke to was very rude and told me that my account was closed because I refused to comply with the repay.

I asked to speak to a supervisor and was told by them that US Bank had the right to withdraw funds from my account without my permission, even though it resulted in overdrawing the account again. So now, I have no idea where my paycheck is or when US Bank will return my money! During this whole process, I was never called or sent notification of overdrafts or automatic withdrawals. The repay rep never told me that the funds would be automatically taken days later if the payment wasn't made. The supervisor insisted this was legal! I work for US Bank. Trust me, it is never legal to remove funds from someone's account no matter what the arrangements are.

At this point, I don't know what else to do. I have lost over $800 in overdraft fees, and no one I have spoken to is any help! But the best part about it is that the account is closed! I'll keep my money under the mattress before I use US Bank ever again.

US Bank delayed my loan closing process by several days by not letting me know until that last minute that higher insurance would be required. I submitted insurance paperwork to US Bank several weeks prior to the loan closure and if the documents had been properly reviewed, my loan would have closed in a timely manner. I had renovations slated to begin and the delay caused us to incur higher construction costs.

I also feel like I received poor customer service throughout the entire loan process. US Bank did not properly inform me of a closing timeline and I was very frustrated by not having our calls returned in a timely manner. I missed a day of work to meet with my title company because I was under the impression that documents would be ready before they were. At this point, I was so frustrated by a lack of clear communication from US Bank that I would have liked to have taken my business to another bank, but was fearful that a delay would cause me to lose the property. In essence, I felt forced to US Bank my business, even though I was not happy with the service I received.

I spoke to a lender officer at US Bank and was given an adjustment prepared over the phone. Application and paperwork were sent to the house to be filled out and sent to them to have everything looked over by an underwriter from US Bank and was charged $300.00 for the process. As a week went by, no calls on the situation. We made several phone calls and messages and still, no answers. Finally, we got a call asking for more information and still took days for an answer. Again, we called and the underwriter and said she doesn't think we would qualify for the modification. We asked why, she quoted that she doesn't think we will be approved.

My complaint is the way we are being handled. No information showing any process is being submitted. We asked the US Bank to please help us to lower it and still, no help at this moment. They won't return any phone calls or messages. All I am asking as a US Bank homeowner is for someone to guide us and not cheat us out of help. We ask for the HARP assistance program and no response. We are considering to sell our home if we can't get any help on lowering the mortgage, if US Bank can't help us. Please refund my money back and we will find relief from a reputable company. The homeowner is not recieveing any help on lowering mortgage. Please feel free to call me.

On March 29, 2012, an individual walked into a US Bank branch claiming to be me and withdrew money and cashed a fraudulent check. This individual walked in only with my account number. This individual did not have a bank card. For the amount of both transactions, the teller should have requested a signature card from my branch to compare for verification of identity. The individual's signature clearly looks nothing like mine. Due to the teller's failure, carelessness and negligence, the individual got away with these fraudulent transactions. I opened a fraud case for both transactions. I asked US Bank what info was used for this individual to get away with this. The branch's assistant manager said that no ID was requested on behalf of the teller. Soon after, the story changed. Now they claim an ID was requested.

Now I am calling the fraud department everyday to see when this case will be resolved. They have all the info they need to close this case and put the money back in my account. However, they claim that they are still working on it. I am a single mom and a part-time student. The money that was taken from me is not extra money that I did not need. It is terrible that it is taking this long for US Bank to resolve this issue. US Bank was negligent and breached its duty of care and as a result, I am emotionally distressed. It doesn't help that I keep receiving letters from US Bank stating that my account is overdrawn. US Bank's entire fraud process is terrible!

While grocery shopping at Vons, a friendly young guy approached us to get our business with U.S. Bank. I said we were shopping for a car and he invited us to apply. We gave him the information on each of us (I have a 733 credit score and my girlfriend has an 810 credit score). We have no debt and plenty of assets. I am retired and self-employed, while she works full time for another bank. We were told that because I had a BK 9 years ago, they would have to direct our loan to 'alternative financing (a higher rate).' We said, "No thanks." That was ten days ago.

Today, I have a nice candy red Toyota Rav with financing from a credit union at 2.6%. I financed in my name only. When I got home in my new car (true story), I picked up my mail and found five pieces of correspondence from U.S. Bank. We were both summarily dismissed by U.S. Bank and informed that our loan application was denied. Since I have a loan at an incredible rate, with a really nice new car, I am happy. But how do you think I feel about U.S. Bank? I am planning to move a significant amount of money from my existing bank to the credit union who played fair with us. My girlfriend got stuck with a ding on her credit but it will go away. Do you think we will ever forget the miserable experience with U.S. Bank? I felt it was a classic case of bait and switch.

I pay all my bills online. However, every time I go the USBank.com to pay my bills, I'm faced with having to log in 50-200 times (no joke, I counted). I feed the system correct information and it simply tells me that "online banking is not available right now," which I know is complete ** since my sister can log in at the same time and sometimes she gets in when it's telling me it's not available. I'm so sick and tired of this crap.

I e-mailed US Bank and they e-mailed me back telling me that it's for my security and gave me some POS political answer that just meant they weren't even going to look into. What's the point of having security that makes the website unusable? I'm about to leave the company since it's pointless for me to have this when I can't even use it to pay my bills. Someone slap these people. When I put in correct information, I should be able to get into my account, period. I'm looking to leaving this ridiculous company for a credit union.

I called the Fraud Department of US Bank on March 12, 2012, and every week thereafter for 3 weeks, to report a possible misuse of my 79-year old mother's social security number which apparently was used to open an account with US Bank (as advised to her by the Social Security Administration). My mother has never banked with US Bank her entire life. I spoke with Jolene initially. After confirming the obvious (that the account did not belong to my mother), she promised that her manager would call me back within 3 days. The callback never happened. I called again after a week and was told the manager was out to lunch, and I would get a callback from him after an hour. Callback never happened.

On March 27, 2012, I spoke to Elizabeth, who again promised a callback from manager, Blair, who finally called back and said all he could do was refer the matter again to the branch who set up the account. Blair refused to provide the branch information, but promised that the branch would call me back asap. It is now April 18, 2012 and no one from US Bank has called me back despite my providing both my work and home numbers to them. One would think that US Bank would treat a fraud report more seriously than this.

We did a home improvement project for an insurance claim in Bristol, VA. We finished the job back on January 18, 2012. At that time, the customers requested that the final payment be released. All proper paperwork had been submitted twice because US Bank said our information had been accidentally deleted out of their computer system at the beginning of January from the 1st time we had sent it.

It is now 90 days since we have completed the job and the bank has yet to release the final payment. We have had to send form 3 and 4 times to get our funds released and each time, US Bank claims to have lost, misplaced or not received the proper paperwork. As a result of them not releasing the funds, we have had to place a lien on the customer's property and we are about to have to execute a lawsuit just to get paid on work that has been finished.

US Bank is not the bank I started with. They took over PFF Bank, which failed like so many other banks. I loved PFF, and was quite saddened when it failed. I had a checking account there and an IRA. They gave me 5% in 2001 annually at first, which of course declined, like everything else.

After PFF failed, I got a letter saying US Bank took over its assets and I should see them about setting up my IRA there. I am 64 years old and have free access to my funds. I get distributions every month, but if I need money, like this month to pay my property tax, US Bank charges me a $25 "administrative fee" and a percentage fee, about 8%, of the amount I am taking out. I call that "double dipping", and it is not looked at kindly at a party, or at a bank. I worked hard for that money, and for a bank to double dip into it when I have a need for it is **. I am only getting 2% there, and have to keep it there until 2014, or else they will take out a large percent of it.

Then, I have a credit card there. I bring the payment to the bank. If the due date is on a Saturday, to them it is late, because of their system. I got a couple of late fees, which of course I refuse to pay. My other bank has a 10-day "grace period", and another does not hold it against you if your due date is on a Saturday. They couldn't believe it when I told them about US Bank's dealings. The people there are cold and rude. A teller from PFF Bank was given a job there, but I haven't seen him for a while. Too bad, he was really nice.

US Bank allowed a dealership finance me a vehicle that had frame damage to it to the point where the structure of the vehicle had been weakened. I would've never knew had I tried to trade in the vehicle and the dealership told me they didn't want the car after running the VIN number. This vehicle was financed for $21,000. When I contacted US Bank, they advised me that had they knew this information, they would've never financed the vehicle. Also, US Bank made me pay over $200 to their collateral department to investigate the issue.

I went to US Bank Denver location because I didn't have to pay closing cost to refinance my mortgage. I was quoted a rate and told it was locked in because I gave them all the information they needed.I left the branch with a printout showing the information we talked about. A few days later, I received "truth" in lending/good faith form by mail. The interest rate was wrong and the loan amount was wrong. I called to the loan officer. He said not to worry about the letter I received, he knows the information is wrong but that will be fixed later. I wanted him to confirm the rate we talked about. Now, he said "oh no, it's higher because I misquoted you. I quoted you for 5 years and not 10 years". ** because the printout had the correct 120 months (10 years). Watch out. Bait and switch all the way! Screw them. I canceled the application. They lost over $46k in interest because they are messing around with their customers only to try to make $3k.

I received a phone message to call the bank about my home mortgage and after having to wait, enter the loan number and my SS# into their closed system, finally spoke to a person who rudely told me they wanted to know when I would pay my overdue March payment plus the fees. I said that I had made that payment at the end of January, using the bank's form which showed the bill was due 3/1/12 and included a specific section showing what was the payment, if an extra principle or other payments were being made and the total. I included an extra principal payment as I have done for over 20 years. This showed clearly on the form. I then have never received a statement for my April 1st payment.

The exceedingly rude person insisted I haven't made the payment and when I said I was sitting here with both my bank statement and their bill for March, left me on the line. The person then said yes, they had the payment and had credited it all to principal since it was so early. She said it would be reversed but they would not send me a letter to this effect. She also said that they had no responsibility to send me a monthly bill and it was a courtesy on their part. She directed me to my contract (which was not with US Bank) and said I was responsible for timely payments. I have attempted to call the bank on a variety of 800 numbers and end up in their automatic system which tells me I have not made a payment. I cannot find a number for complaints or one where I can talk to a human being. Beware of this bank!

I have an almost perfect record for credit in the last eight years, except for a bankruptcy in 2004. The FICO score is in the 700. I had a sizable car loan that was paid off at an earlier time from this bank. I wanted to purchase a Harley Davidson and need a three thousand dollars loan to build up credit and make a very good investment. The person at the loan department in Flippin, Arkansas told me a decision would be made in 24 hours. I never received a phone call and was told after I contacted them that I did not get the loan. I asked to talk with someone higher up and was never given anyone to talk to. I have been with the bank 6 years and have had car loans. I was never late on anything. I went down to another local bank and was issued a loan within one hour by several banks. Just to let you know, I found the people to be rude and unreliable in this bank. I will be closing my account and I will be going to a more efficient operation. I may be a small fish in the water, but if people are treated as rude and disrespectful as I was, then good luck in the future.

They keep charging 5 dollar fee every time, when I don't have enough money, that they transfer funds from savings into checking. Five dollars should not be touched. It should be free as it is automatically linked from savings into checking. Why charge 5 dollars? It runs out fast from savings. I'm unhappy with US Bank.

I have overdraft protection with US Bank. I have direct deposit and before my direct deposit is being made by the bank, they are putting through my withdrawals, which at times require a transfer my secondary checking and then charges my account $5. They are putting the debit through first and not putting through the scheduled deposit, because by doing this, they make $5 every time from me. This is an unfair money making practice. They need to put deposits through first then the withdrawals.

In short, at the end of my auto lease, I decided to purchase the vehicle for a multitude of reasons and was looking forward to favorable terms. US Bank leased me the car, then financed the purchase. They quickly sent me all applicable transfer of title docs, etc. Included with that package was a check for the "total sales tax amount due" to my local taxing authorities. That check, as it turns out when I went to the taxing office to pay the taxes, was short by 30%. The total amount of the check was based on the sales price at the local tax rate. That makes sense to me. However, for the past 5+ years, my County Taxing Authority bases the tax on the value of the vehicle and not the sales price.

US Bank does business and has made car loans in my county and city (Houston, TX) before so you think they would know this. I called US Bank and after 45 minutes on the phone with their employees, both told me that there was nothing they could do and that is that and goodbye. I have not once been late on the multiple cars that I have either purchased or leased from them. I have never called to complain. I have never called to get something for nothing. I was simply calling to have them expedite the 30% they owed to my county for the sales tax as that was what they represented to me both verbally and in writing (i.e. attached letter to the sales tax check). Business goes where it is wanted and stays where it is appreciated!

US Bank is an institution that, although may have competitive rates and a nice load of rhetoric in its advertising, has no grasp of a successful business model which starts with customer service. A small car loan is obviously nothing more than budget dust on their books, but could you imagine doing a large real estate development deal or anything else that requires creativity, accountability or just plain customer appreciation? In summary, US Bank epitomizes why doing business with your local lender is usually the best route.

It seems like every one I talk to including myself has a problem with this particular bank on flood insurance and other things to make the payment go up. I believe these people are trying to make the housing market collapse so they can find away to make some major money. They want talk to anyone about refinancing and I think in some papers somewhere they should be some rules or laws about that.

I have banked with US Bank since 2006, using both checks and debit cards. One thing I have discovered is that if you use your debit card based upon the "available balance" of your account, they wait until just before your transactions clear, charge you some silly, unnecessary fee that sends you into a negative balance, and then bounce your transactions so that you are charged for them.

I am on a tight budget, so I usually have just enough in the account to cover exactly what I need to spend. I am constantly having to transfer from my savings to checking to cover their stupid fees. It is very frustrating to go from having enough money in your account to being overdrawn when you did not spend more than what you put in there. I have called to complain about this several times, requesting that they stop the services for which they charge these stupid fees. They say the adjustments have been made, and then it happens all over again.

I am obviously no financial genius, but I think this is taking advantage of those who have very little in resources to begin with. I would love to switch over to a credit union, but my husband is inflexible and doesn't want to go through the hassle of finding another bank, because, as a government employee, he likes knowing there are US Banks wherever we might get transferred. As far as I'm concerned, their convenience of location is just about the only thing good about them.

A tornado hit our house Friday. Our insurance company is giving us money to get it fixed, but US Bank wants to hold the check since their name is on it also. We have construction workers trying to get a roof on it, board windows, and holes. We can't pay them because US Bank wants to "do it" since their name is on the check too. So we have to halt the construction for at least a month and then follow their guidelines, even though we got a construction loan and built it ourselves.

Angry? Furious, actually. I paid my US Bank credit card on time and in the past, all payments were posted by US Bank to my account on time. Today, I learned that my on-time payment in January 2012 was posted one day late, meaning I got slammed with a late charge even though my credit union electronically transferred the funds to US Bank on time. Today, I also learned that my March payment has not yet been posted. Meaning, it is now 3 days late. I am closing my US Bank credit card account as soon as USB posts my payment. And to think I once thought BOA was the devil. My credit union is now getting 100% of my banking business.

I went to US Bank at 1630 Pace Street, Longmont, CO to apply for a refinance of my house. This was to be a VA Streamline refi. During the application process, I was told that this type of refinance would not require an appraisal. That later changed and the amount of the application fee increased to include an appraisal fee. I should have walked away at that point but I was told the appraisal was a formality and wouldn't matter. What a line of crap that was. The appraisal came back $8k below the refi amount. After almost six weeks of poor communication, the loan officer informed me that refi would not go through unless I paid down the outstanding balance on my home to appraisal amount. One thing that was inescapable during this whole process was the way this loan officer made me feel like he was shining me on every time we spoke. What a scheister.

I consistently pay 2-3 weeks ahead of time on my US Bank credit card and US Bank mortgage. I also have 2 checking accounts and a savings account. In February 2012, my VISA minimum payment went up a little; and I did not notice because I have gone along with their requests to drop paper statements. My bad.

My regular automatic $300 monthly payment came up one dollar short, and instead of notifying this long-time loyal customer, US Bank decided it was good customer relations to charge me $25 for the missing $1. They are no doubt correct that this is allowed in the fine print, but maybe someone at US Bank will notice that this is not the way to keep customers. A very polite customer service agent sympathized but could not / did not offer to waive the 25 bucks. Instead, he advised me to pay the one dollar to avoid collection calls. Obviously, I did.

I hope their execs enjoyed their bonuses that came from our TARP money. "All of US Serving You," it says on my card. Humbug!

I am a payee for my husband. He receives SSA benefits that are directly deposited into a bank account at US bank in Maywood, IL. I was rudely refused to withdraw money from this account because I was overdrawn in my own separate account. I tried to explain to the teller that this is social security monies and you cannot put it towards my account. This money is my husband's money. She turned around and threw my IDs at me and walked away. I was shocked! I then was approached by another teller when she saw me waiting to talk to a manager. The other teller told me to complain to the manager because she witnessed all that happened. I closed the account.

US Bank has started to send letters to certain credit card users announcing an annual fee. Interestingly, the charge is only for customers who pay their balances on time. But it is not for customers who are ripped off by US Bank which charges them a very high interest. This is an unfair practice.

I opened a US Bank account about a week ago. I was given a check for a little over three thousand dollars. I took the check into the bank (Bellevue Washington location). I told the teller I would need the funds available by that following Tuesday, because I needed money for airfare to visit my mom in New Mexico, who is in the hospital, and was recently diagnosed with breast cancer. I told the teller this, and she assured me again that the funds would, without a doubt, be available to me by that Tuesday. Well, here it is, Thursday, and the funds are still not available. I have spent hours on the phone with the manager of the bank, and have gotten nowhere. She says it is not their fault, and said she is going to take her teller's word over mine, who of course denies telling me the funds would be available on Tuesday.

I am so frustrated, and I am developing hatred for this bank. I have been treated with no empathy by any of the people I have talked to at US Bank. They refused to admit they made a mistake, and make the funds available to me. They told me I will have to wait the standard waiting period to get my money. They have the ability to make the funds available to me now, because they obviously made a mistake, but will not budge and admit to it. I will be closing my account with them, as soon as my money is available.

This bank has no concern for its customers. I am the president of a non-profit organization, who was a victim of theft, and our credit card was stolen, and the thief used the PIN. Because the thief used the pin, US Bank was unwilling to refund our money. Their so called explanation was that, it was our fault for having the PIN where it could be found. Lets keep in mind that there was a police report filed, and everything else that was stolen from the individual's car was replaced and refunded. After being with a bank for over the last 5-6 years, through their transition phases and take overs, I was appalled that they did not take into consideration our history of spending, and that the thief is on one of their ATM cameras.

It just seems to me that when you are with a bank, they are like family, because they are supposed to protect your finance. When speaking with a representative, they had the nerve to tell us "if we would have lied about the card, and where it was, we would have been refunded our money". Who does that? We live in a country where we constantly say tell the truth, and when you do have honesty, you get slapped in the face with it. Those who are reading this, please don't take it as though, I don't think we should have some responsibility for the PIN being available, but I do believe that the bank should have some responsibility as well, when you continue to send out the wrong card, no fraud alert, when suspicious multiple transactions were being made, and still not informed by mail or phone call, to even inform us that our fraud claim was denied (I only found out when we went to the bank to make a deposit).

This is like a bad joke to my organization, who works hard to raise money for our athletes, so that they can have nice banquets, social gatherings, or just cut down on expenses. I feel robbed and disappointed by our system. One thing I do know is that Wells Fargo and Bank of America may have their issues, but not notifying a customer when their card is being used excessively out of the norm, is not one of them. Please, my fellow Americans, if you are a part of this bank, take the time to check, and make sure that they do not swindle you, as my organization was, and still is being. Close those accounts!

This issue started with two banks sending loans from Citizen National Bank to US Bank. I received a letter stating the entire amount need to be in at a certain time or the vehicles would be repossessed. I was in what you call upside down along with more income going out than coming in. Knowing this the bank repossessed the vehicles.

Now I am in a constant battle with the company because they claim they are not receiving their money I am sending. Although the amount I am sending might not meet their requirement, it is at the time all I can afford. I explained to the company my situation and that in 2013 of March no later than April I would be able to get this matter under control. I also informed the company I was trying to clear my credit so it would be in good standing.

I am in a debt management program that is helping me with this issue. I have been called several times stating they are not receiving my payment. I also have been tracing these payments I send in and when I receive the information it states clearly the bank is receiving the payments. I think the issue is the amount I am sending in but they agreed in order to keep it out of a collection agency. I am constantly harassed and I'm fed up with it.

My wife passed away in July 2011 and I was not on the bank loan but I was on the title of the house. I called US bank in August to see what are my options with the house and they said that they are not able to talk to me about the loan. Now, I sent in the death certificate and they received it on August 2nd. I called multiple times from August, September, October. and November, no one would talk to me about my options with the house. They even told me I had no right to sell the home since the loan was not in my name. So, then I moved out with my kids and today, I received a letter about them starting the foreclosure process and that this was handled by a legal team.

So I called the lawyer and they are telling me that I'm still liable for the mortgage and that I should have been able to talk to US bank, then they have the nerve to ask me if I want to save the house... I told them, not anymore. I tried multiple times but no one would talk to me about the loan. So I called US bank back and they still will not talk to me. I filed a complaint to US bank. This is not right and I find this very illegal if I get screwed from this. All the letters come in my wife's name all the phones calls are for my wife. I wish someone had the money to sue the crap out of them and get the media involved.

Consumers beware! Do not do any business with this hideous organization. I am behind on my mortgage payments after being unemployed for over a year and a half. I (finally) found someone relatively competent who seemed to be helping, until I got attorney papers about foreclosure. The day before a work-out packet from the bank arrived. Additionally, they have no record of a Cashier's Check for a monthly payment (over my statement amount). I sent this so I would not get any further behind, however it is clear that is not conducive to U.S. Bank's intent of pushing me into foreclosure. I was told it has been sent to the foreclosure attorneys. Why not back to me? I have/had done this previously, (verifiably) and it seemed to be just fine, so there is an evident inconsistency in their policies.

I will come out of this "somehow" without foreclosure with them not only getting their interest, but late fees and additional ** fees. Their sickening greed is repulsive! Their policy of kicking people when they are down is profound. I will refinance to a legitimate professional organization when I recover from this economy. Please be warned, stay away from US Bank!

I have been trying to resolve a dispute over several discrepancies with a home equity line that my home builder and broker created when I purchased my home. Keep in mind that I never received any type of cash. Rather, the home builder and broker just used it to get more money for the home from day 1. Despite making numerous efforts to resolve the issue, US Bank credit collectors refuse to deal with me and called me a "liar". I spoke with a Mr. Kenneth from their Loss Mitigation Department in Cincinnati today and after I asked him several questions about the loan, he got upset and stated he didn't have to answer any further question and demanded that I only answer his. I only wanted him to realize what an outrageous and fraudulent loan US Bank had created so we could find a solution.

I am pissed that bank officials can get away with this illegal and probably criminal behavior Not only that, but we also bailed them out and they talk to people like garbage. I am current with my mortgage payments and they still refuse to deal with people unless they are taking advantage of them! I am no longer going to wait and hope they decide to help me. I'm going to ask for legal help. I am so angry I can't even type. Good luck with this bank everyone!

I forgot about an account, they could have called me, instead, they ran out the money with fees in a no charge account. I received no phone calls or emails. I would not recommend this bank to anyone.

My wife and I opened a business checking account with US Bank at the start of 2012. She is a dog trainer, and I am the appointed manager of the business, with all statutory authority to open, close, and do anything with banking I deem necessary. We are organized as an LLC with the proper articles of organization.

Her father found out about her business account and went to close it by presenting conservatorship documents. He is legally not allowed to do this, as I am the appointed manager. US Bank however allowed him access to the accounts and allowed him to close it, tying up $34,000 in business assets at the same time. They refused to honor my attorney-drafted and notarized manager's authorization for the LLC and are still holding our money.

Regional managers and branch managers are no help. Do not go within 200 miles of a US Bank!

Upon refinancing with U.S. Bank of Bozeman, MT approx. 5 years ago, our 1st mortgage was temporarily written at $425,000 (Jumbo loan). We were told at signing that the 2nd mortgage would be able to remove $8000 from the 1st mortgage and give us the necessary funds for home repairs, etc. and take the Jumbo loan back down to $417,000 (conforming mortgage). After the 3-day rescind time had passed, we were told both mortgages were staying "as is" and they were unable to do what they said they would. This left our loan as a jumbo loan, many other mortgage companies have looked at refinancing for us and they cannot help because of the way it was done the first time.

This situation has created much financial strain for us, now our income to debt ratio is high and has been for the last 5 years. We have contacted U.S. Bank several times each year since the refinancing, and we're always told nothing could be done. In the last 3 months, we began working with a U.S. Bank Home Equity Alternative Retail Loan officer. We were led to believe that finally a local mortgage company along with the help of the U.S. Bank loan officer would be able to refinance our 1st and 2nd mortgages with a fixed rate and solve the "jumbo" loan and debt to income ratio problem. Now U.S. Bank is not returning calls either to ourselves or to the local mortgage company. Please contact us as soon as possible. We do not want to lose our home and our investment in it, we just want to refinance! We do not appreciate this unfair, illegal treatment from U.S. Bank and how they do business.

I have requested many times that my bank not cover monies if it is not in my account. But they 'lend' me money so my bills get paid and then charge me $33.00 every time. What can I do now since I have already told them two times before that I do not want them paying bills if there is no money in the account? Here is what I sent this time:

"I have already asked US Bank two times not to let my account overdraft. If I do not have enough money in my account, then don't pay it. Just recently you hit me with 3 charges of $33.00 each for lending me money that I didn't want.

I expect a call from some representing US Bank tomorrow 2012-01-26."

Please help.

In October 2011, prior to even looking for a home to buy, I applied for a VA home mortgage with US Bank in Gilbert, AZ. I quickly and completely provided all information requested and by Nov 2011, I was told by my mortgage representative that "everything looked great" and he could see no problems with the loan going through. They told me I was pre-qualified for more than double the amount that I anticipated buying my home.

So I spent two months, every weekend and two nights a week, looking at homes with my realtor. In January, I found a new home that I wished to purchase, and they accepted my offer. They finished building the home to my specifications, and we set a date to close escrow.

Less than 48 hours prior to the close of escrow, the US Bank Mortgage representative called me with the shocking news. The "underwriter" declined to loan me the money. This sudden decision was not based on any new information, my credit is great (over 700) and my income is high, but based on my marital status and desire to be a married woman owning the home as sole ownership. This information was made available to them three months prior, if they were not comfortable with loaning me money, why did it take three months, right before the escrow, to tell me?

This is terrible business practice and is downright immoral to allow everyone to spend so much time and money--including my realtor, the home builder, etc not to mention the extra time I spent in a corporate house at significantly more expense. I was able the next day to find a mortgage broker who immediately took my file over and is incredulous that US Bank refused my loan. Do not waste your time trying to get a mortgage from US bank. You can do better.

Home loan through U.S. Bank in Southern CA. Mr . Orlando **, loan officer, has taken 4 months to approve and finalize our approved loan. When trying to contact him or his superior, neglected to advise us of a problem with in house problems, no response to emails or phone calls. He has pushed back escrow times and told us that it is in underwriting, anything to hide his actions.

I had an overdraft balance from a loan. I moved to a credit union. The reserve line is used, if I am one minute late on payment. Once the reserve line is used, it accrues interest and late fees. It's treated as a standard loan. On Oct. 28, 2011, I made a payment of which I found as the payoff on my statement ($243.32). In mid-Nov. 2011, collections called me two times, to tell me that I still owe $26.40 for late fees and interest. I scoffed, and told them I would make a payment on my next payday, December 23rd. They called me two more times (balance due was not discussed), and I asked if it were okay if I get paid first, before I make a payment to them. I made that payment on 12/29/2011.

Thinking this ordeal was over, I never gave it another thought until 1/13/2012, and have called every day since. Since they manage to call when I'm not home, I finally reached a representative on 1/18/2011, who informed me that I still have a balance of $40.70, and $0.01 is accrued in interest every day. I explained to the rep that I spoke to someone back in December, who told me that my balance due was $26.40, and this account should be closed. He made arrangements to make a request to investigate on my account. On 1/19/2012, another rep (from collections) called me, and explained that my "request" was denied, because the last note on my account was my late payment was an oversight. I explained again to this rep what has happened. I suggested that I speak with a supervisor.

I told her that I would be willing to pay the $20.00 late fee from December, but not January. Instead, the rep came back on the line, after speaking with her supervisor, and explained that she is not willing to waive anything, due to the fact that, there isn't any way for a rep in collections to know my exact pay off. Also, the $26.40 quoted to me (on two different calls) "must" have been the back balance due. Implying that I made up this figure (because my payoff amount is a mystery to the collections dept). Not only did I have two reps call me back in December to tell me my balance, but I also had a statement!

Their excuse for all the fees are: December 1 late fee: $20.00, Dec 14 Interest: $0.42, (Dec 29, I paid 26.40). Now, they are charging me $20.00 late fee for January, plus $0.40 interest. I don't understand where they are getting these figures! There is no mention of any November late fee, as the account should have been paid off then! I feel they should waive all interest and late fees. I can clearly see how they are making their money!

I have had a home mortgage with US bank for 4 and a half years. I have been trying to get a modification for two years now, they're still working on it. They call everyday that we have not payed our mortgage from the 1st-16th of the month. We have never been late but did have a returned check 6 months ago. From that point on, the company revoked our right to have auto payment withdrawal, therefore we have been paying by phone or mail since then.

Then all of a sudden, this month I see there are two different attempted withdraws from our bank account causing more NSF fees when there was never any communication about auto payments being turned back on. I have tried calling the home mortgage department three times this week and they continually keep transferring me back and fourth between departments telling me each that they are not the dept that is responsible for something like this!

I do not think that we are liable to pay all of these fees when we were not informed in any way that auto payment would just be turned back on when they saw fit! I am the only one supporting a family of four. We do not have money to throw away or give to a corrupt corporation. I will never open a new account of any kind with any large bank again. I will use my local credit union as I already do. I will try and get out of the loans that I do have in the shortest amount of time possible. It just isn't right, we the customers have no power!

Don't make the same mistake I did.

I'm having a difficult time with US Bank. I have made two large deposits within the last year. It was a second endorsed check that was approved for deposit in my account. After the first deposit, I was treated with unprofessional-ism, as the bank branch manager decided not to release my funds. This was after I provided proper documentation stating they would do so. After speaking with several person(s), such as District Manager, Greg ** & Regional Manager, William **, William resolved the issue and he gave me a gift card promising it would not happen again.

He then asked me would I be making another large deposit, I said yes, He then assured me I would have no more problems due to the first deposit clearing. However, a couple of months later when I came to the bank to make the second deposit, I had several problems, such as incorrect information being placed on a notice of hold form; then the branch deposited my funds in the wrong account without completing the proper paperwork and them not releasing initial funds as noted in their policy.

I called the branch and District Manager of US bank only to be told I was at fault, which proceeded into an argument. I then closed one of my accounts and asked the Regional Manager to contact me, he refused. I wrote a letter on December 23, 2011 to the President & Executive Staff at US Bank: Office of the Corporate Secretary, US Bank, 800 Niclollet Mall, Minneapolis, MN 55402-4302, to address my issues. In the letter I addressed all my concerns.

Subsequently, I received a response from (Kathy **, Regional Operations Manager, Chicago) on January 6, 2011 stating my other two accounts were being closed. In the letter it stated "In accordance with your deposit account terms and conditions, please be advised that we have elected to close your deposit accounts with us."

I called her at ** to ask why my accounts were being closed, she said it was due to me yelling at staff. I asked, who did yell at. She replied, "That's what I heard, and enough letters have been written to you". Not only have I been yelled at by Staff several times, none of these current issues have been addressed. My letter that I received did not address anything I did wrong. This is unprofessional-ism at its worst. Please Help!

Changed account from free checking to monthly fees. That was fine but they gave me a line of credit that was not asked for, then began feeding the line of credit into account $50.00 at a time. When I asked about it they said I had to go into the bank and ask for and see if I qualified for it. Never asked for a line of credit. Now they will not return my phone calls. Help!

US bank called and stated a new policy of calling everyone regardless of status that their payment was more than three days late that they would call every three days until payment was in. I have a 780 Credit score and have never even come close in 30 years of payments to late payment date of 15 days from the due date for any mortgage payment. The payment date is late on my mortgage on Jan 16th. They called today, on the 4th. I submitted a payment for E-Pay as I always do so for the 6th of the month.

I consider this new policy harassment and an indication US Bank may have some cash flow problems. What are the recourses I have for any repeat offenses. I'm more concerned about the ability for US bank to harass all of it's customer's regardless of payment record than I am about my own ability to pay or credit status.

US Bank allowed this account to be opened fraudulently in my name without my knowledge or consent. They ignored my repeated attempts to inform them of this and my repeated requests for documentary verification of this debt as mine. This is not my debt, this account was opened fraudulently in my name without my consent or knowledge. I have gained no benefit from this debt; I will make no payment on this debt.

US Bank has been aiding and abetting the perpetrator of this fraud by: refusal to seek restitution and criminal and civil action against the perpetrator of this fraud, refusal to fully investigate this fraud and to perpetuate the damage. This fraud is causing me by continuing attempts to collect this debt from me and by continuing to report this debt as mine to the credit reporting agencies. They maliciously and without good cause refused to discharge this debt and absolve me of any responsibility for this debt which they knew was not mine and otherwise refused to provide documentary proof of this debt as mine.

US Bank sent me a new bank card along with a letter that my card's magnetic stripe had a problem. When I called to inquire as to what the problem was, I was told that a merchant I had shopped with had reported a fraud problem. When I asked who the merchant was so I could further protect my own credit and make informed shopping choices, I was told they would not release the merchant information to consumers in order to protect the merchant. What? Then the customer service rep told me there was a media report about it and I could try to find out through the media report.

So, US Bank refuses to divulge public information? I insisted on speaking to a supervisor and after many runarounds and beating around the bush he finally admitted that the bank has a contractual relationship with the credit industry and merchants to not tell consumers what merchants their credit or banking information was compromised with, in order to protect the credit companies and merchants. That's great. In reality there is no consideration for individual consumers. Banks and financial corps. are the only parties with any rights in this country.

On November 2011 between around 11/11/11, I went to Safeway on Washington Blvd. in Fremont CA. The teller of US bank handed me a flyer from US Bank saying, "if you open an account, if you have direct deposit, the first direct deposit kicks in. You will receive $100 the next day of the direct deposit or if you set online payment, your first payment you will receive your 100 dollars the next day."

I was interested and I asked more info. The teller told me again and again but she told me she will be on vacation. If I come give her name and everything will work okay. I came on few days later, she was on vacation and another teller opened the account and told me exactly the same deal but I have to have my first direct deposit within 2 months or my first online banking payment otherwise, the deal will drop.

So I was excited to get an extra 100 dollars for my holiday budget and spend on my children. Then I went to my program director and asked her to change my direct deposit which was done through Bank of America. I went through paper works and changed everything to US Bank. I went to the bank and told the teller I changed my bank and my first direct deposit will be on 12/20/2011 and if I will get my 100 dollars. He said, "yes, as soon as your direct deposit kicks in, within 2 business days you will get your reward or if I make online banking for 100+ dollars, you will get your reward the next day." In matter fact, he asked me to set my online payment account which I did the same day.

Since december 20, 2011, I have being going and asked for my 100 dollar reward. The same person told me I will receive my reward in 2 business days when I do online banking or direct deposit and told me that I am not getting my 100 dollars until 2 months after my second direct deposit. I insisted telling him it's wrong, it's not what he told me or the first or second teller opened my account. He said he will talk to his manager and called me since 12/20/11. He did not and I went to the bank on 12/23/11. He did not do it, he took my phone number again and he said the same thing that he will talk to his manager and called me today 12/28/11. He called me and told me he did not talk to the manager and tomorrow he will talk to his manager and he will call me. This is what happened to me.

I had a bill of less then $9 for which they never sent me an online notification of a statement, nor an online notification of a bill being due soon like every other bank I do business with. I had asked to not receive paper bills. I got a statement today with a late charge and a finance charge that are more then the bill I owed. I searched my email (gmail) and trash which I do not empty manually (it gets emptied if it's older then 30 days) and there is nothing in either place. They would not waive the fee or finance charge when I called and offered to give me to tech support? I pay every bill that I get in full and on time. I do not carry balances. Certainly I would not have not paid an under $9 bill.

We are in the process of refinancing our home with US Bank, which is the mortgage company that we now have. We were called by US Bank to do this (they were the ones who called us). We were then called and told that we would close by the middle of December and for us not to make a payment. That is what we did and used that money for Xmas. Then we were called three weeks later and threatened with foreclosure for non-payment and told they would be sent to the credit agency and would hurt our credit. Also, we were informed by the title company that the entire time our home has been with US Bank they did not have the mortgage put into our trust properly and our home was not protected and that the mortgage was not recorded properly by US Bank. So this is additional money that we have to fork out. We have called and called and left messages with US Bank and they will not return our calls. The only calls that we have been able to talk to anyone from US Bank has been when they have called to threaten us and have never tried to fix what they caused. This will hurt our credit and it will also cost us additional interest and late fees.

I deposited a large check for property rent in the ATM on a Sunday. I went inside the bank on Monday to see if they were putting a hold on the check, as it would affect how I would pay bills. The teller said the check was fine, and she did not intend to place a hold on it. It would be deposited into my account. All was well. The next week, I glanced at an ATM receipt, and noticed an extremely low balance.

I called the bank, and after they looked into it, found that the "ATM department" had sent the check back to me in the mail, because it was made out to my middle name, which I go by, instead of my first name. My bank account is by my first name and middle initial. I endorsed it with my full name, as I do everything. The check, which I was counting on for Christmas gifts, bills and extras, is now lost in the mail, and the postmaster said it has little chance of being found. All the apologies from the very kind and well meaning customer service manager at my local branch don't do much to help.

Everyone who didn't make the mistake paid for it. The customer service manager spent many hours trying to find out what happened, and how to remedy it. I spent hours being frustrated. The renters who sent it in the first place ended up having to stop payment, and send another. The ATM department did nothing, but cause the problem, for no reason. I am looking for another bank.

US bank lies to its customers. With their lies comes theft of customer's money. There have been many issues but today I will address these. It starts off with a deposit. Then the teller says your funds are available. Then you make a purchase and voila, you're overdrawn because they held your funds. On top of that, they have this so called "triggering an overdraft thing," yet no written explanation on how it has vanished. They can see it is triggered but they can't print me off something so I can see what happened.

Another issue I will address goes off of a direct quote from their online rules, "We know it is sometimes difficult to track every transaction so if your total overdrawn balance is less then $10, we do not charge you an overdraft fee." All lies. Yes, that happens sometimes but barely ever. I have gone over by .74 and got charged. And last but not least, they reorganized the checks to their benefit.

As a result of these issues, the lies and deceit, I have lost money to overdrafts and other things. They do charge you for going over. In fact, recently, I had about $119.78 in my account. I had made purchases in the total amount of $119.77 leaving 1 penny, cutting it close. And then surprise, the fee you never quite know how much it's going to be. The analysis service charge goes through for .75 overdrafting me by 1 cent and they charged me $33. I might add that they arranged it so that mine went through and they could charge me. I am fed up with this.

US bank is the worst bank ever. I made three deposits and called to find out when the funds would be available. They told me or would be today, after 2-3 pm. It was not. I called the help line. That person said I am sorry that I were misinformed and he said, "All I can do is transfer you to the local branch." The branch manager states, "I will call you back." She said, "There is no hold on your account. You can use your card." I stated, "Are you sure?" She said yes. Needless to say, she lied. How embarrassing when I got to the store and can't get what I need. Thanks for nothing. As my son put it, US bank stands for U Suck bank.

About two weeks ago when I opened an account with US Bank, many promises were made by them. So, yesterday, I deposited my paycheck and was told that $200 would be available immediately and the balance would be available the next day (Saturday).

I tried withdrawing to buy groceries, get gas and pay bills and was rejected. I spoke with the clerk and gave her my deposit slip. When she located the deposit in her system, she asked which bank I went to and if it was in a store. I said no, it was in an actual US Bank building. She spoke with Brandon ** when I told them to just close my account and give me my money back. He refused and said that I had to wait five days to get my money. He said that it was in all the paperwork he had given me which was not explained when I opened the account. I might also add that last night.

I called the branch I opened the account at and verified. I would be able to withdraw funds today and was assured again that I could. So, for five days, we are without grocery money, two bills will be late, and I have no gas to get back and forth to work with. This is not what I was told when I opened the account.

If I could give a negative rating, I would. US Bank bought my VA mortgage 10 years ago. Every year they say that I owe more for escrow than I think or have paid. They cannot or will not audit the mortgage account to the penny to tell me why I owe them more than I pay. Now, they suspended the past two payments, charged me late fees, and have issued a foreclosure notice.

They are guilty, in my mind, of extortion. If I do not cough up what US Bank says that I owe them (a 10 year dispute and they will not justify their figures), then they will foreclose my property and the Federal Government will not stop them, nor will VA put a halt to their abuses. This is how US Bank, with whom I never initiated business with (they bought out my mortgage from another bank), will treat veterans of this country.

I have been with US bank for several years and like so many people already have said, they love to charge you with fees.I moved from Washington to Memphis and we don't have a US bank branch here so I started banking with USAA. Anyhow, they were charging me fees for having a check card with them so I told them to cancel my check card. Next time around, they charge me again. When I called them, this time they told me that I had two check cards, mine and my husbands. So I had only canceled mine but not my husbands!

Anyways, a week ago I made a $900 payment to pay off my credit card with them, US Bank. I called in and talked to a senior banker. I was told I had to pay $10 for processing. No problem I thought. I get a confirmation number and I think everything is fine. A few days later, when I looked in my USAA checking account, there were two transactions of $910! I called US bank and I got the runaround. When I told you nobody could help me, I really mean it. It was like talking to zombies. I was transferred to so many people and different departments. I was in tears. I was so pissed off. Eventually, a girl finally tells me that US bank had issued me a check for the overpayment and it be mailed to me. Forget the $10 processing fee I was charged twice! I guess that is my Christmas gift to them.

On November 24, 25, and 26, 2011, US Bank allowed $1600.00 to be taken out of my account, which had only $7.00 in it, 10 times, then 7 more times, then 6 more times over a 3-day period. When I found out and tried to explain that my sister took my card to the casino, they wouldn't even let me cash a check, only as a non-member and charged me $5. I told them I could make arrangements for payments, but they would not close the account for 45 days, racking up $200 more in charges. Then theyre calling me night and day, but never providing me with an itemized statement. Now, December 5th, they closed my account charging $30 more and blacklisted me from opening an account anywhere. Their brochure on procedures clearly states "no more than 3 overdrafts a day will be covered". Clearly not true, as there was 20 something withdrawals over 3 days.

I want legal guidance as to how I fight this clear case of abuse from the bank. I was not even permitted to make a payment plan. (I was told it had to be paid in full and that I did not qualify for a payment plan until after 45 days.)

U S Bank is the worst bank I have ever had any dealings with. First, I have my monthly house payment automatically withdrawn from my checking account (thankfully it isn't with U S Bank). This was all set up and agreed when the loan was set up that the payment would be withdrawn on the 5th of the month. I then started getting phone calls before the 5th asking when I was going to make my payment. I explained how things were set up and they withdrew the payment on the 5th of the month. Then the following month, I would receive another call wanting to know when I was going to make that month's payment. This goes on for months. Finally, I got to the point wherein I would just hang up rather than try to get them to understand.

So I have been faithfully making my payments. Then I had storm damage to my home and filed a claim with my insurance company who sent out an adjuster and made his assessment of the damage and furnished me a copy. In turn, I called US Bank and tell them I have made a claim with my insurance for damages. I was told to go to a website and print off the forms listed there and fill them out and send them in with estimates from contractors, at that time, I informed them I was going to make some of the repairs I was told that was fine. The insurance then sent me a check for half the accessed damage and I forwarded it to US Bank at which time I told them I needed that money back so I could furnish the contractor with money to get the repairs started.

I received a portion of the check to pay the contractor. So after the repairs was completed by the contractor and I had finished the repairs, I was to turn in all the bills to the insurance company and they sent me a check for the rest of the repairs which I also sent to US Bank along with all the forms that I had printed off from the website. US Bank's inspector had come out and took pictures, sent them a statement and pictures to show all the work was complete. After a couple of weeks, I called to check on why I had not received anything from them. I was told at that time that the amount owed the contractor did not match the amount of the adjusters report. I tried to get them to understand I had said from beginning I would be doing some of the repairs. I was told that fine but the contractor's amount didn't not match the adjusters paperwork and until it did they would not release the money they were holding plus the final check.

After many frustrating minutes, I ask what they needed and I was told I needed to have the contractor fill out and sign a lean release which I did and send it in. After another wait, no word. So I called again and this time, I was told they had to have a form from me showing the repairs I had made so I furnished them with the form they requested. After another wait, I called them and was told I needed to furnish them with a signed form by someone other than a relative that would verify I was qualified to make the repairs I had made. By this time, I am so irate. Keep in mind, their inspector had been here to take pictures and verified all work was completed. After a few minutes, I was told they really didn't need that and they would input the information and within 4 days. They would send me the check.

After a week, I called and ask where the check was. I did not received it, at which time, I was told they needed a contract signed by the contractor and myself agreeing on the amount of money for the repairs. By this time, I am speechless and mad as a hornet so I called my insurance company. They made up a contract and the contractor and I signed it and faxed it to them. I then called this afternoon to verify the form had been received and let the person know how stupid this whole mess was and being told at other time that was all they needed when each time I was told they needed another form. I have not furnished them with all they need. Time will tell but I will call them every day to insure they don't need something else and hold everything up because of some other form they need.

All of this could have been avoided if a person employed by US Bank would have sent me all the forms I would need and tell me how they wanted them filled out. I am not well informed about all this insurance and claims mess, just as I am sure others are in the same boat. I think they need to have some extensive training on how to deal with homeowners, explain everything they need in writing so it won't be so confusing. After all this, I have searched the internet and found that I am only one of many, many who have had trouble dealing with US Bank. Even my insurance company said every time they had to deal with US Bank, it was one problem after another. So rest assured, I will tell everyone I possibly can not to have any dealings with US Bank.

I would like to talk to my attorney about this. But knowing US Bank, they're going to hold this in litigation for years and this is US Bank's way to get there way. But I am tired of this. Or I will just file bankruptcy against US Bank and will not lose a bit of sleep over it. My credit is bad anyway.

A US Bank representative called to tell me that my "they" have been trying to charge me a fee for my checking account for quite some time, but "he" has been holding them off. In essence, he told me that I needed a "package" account in order to avoid fees. When I told this rep. that the documentation I saw showed only either a $1,500 daily balance or direct deposit as necessary, he insisted that a package account was necessary or fees would begin immediately. He said I could qualify for a package account by opening up a pre-approved Visa card account with US Bank. Reluctantly, I said yes.

Later that day, I contacted the bank headquarters because I thought something was not right here. The bank customer service line confirmed that I did not need a package account to get free checking, that my account was just fine the way it was and there was no possibility of a fee as it was. No changes were necessary. Upon looking up my account, the customer service rep. found that my account had been changed to a "gold" package and a card had been approved. I asked that it be revoked immediately, and she said that would happen.

One week later, the card arrived in the mail and it started showing up on my online account. I contacted US Bank customer service via email and was told that I could cancel the card, but that it may affect my credit score. I am awaiting a response to my request that they do everything in their power for it not to affect my score, and, more importantly, to address why one of their representatives is badgering customers into getting credit cards. They don't need under false threats of future checking account fees.

I have over $15,000 available credit. I owed about $350 and I was a day late. I paid $150 towards my bill and they charge me a $30 late fee. Absolutely ludicrous to treat a long time customer like a petty thief. Plus they raised my minimum payment to twice as much. I am paying the balance and they are losing me as a customer. My credit union has a VISA debit card. What a rip off and poor customer service.

One of the world's richest banks admits duping customers!

I am a sucker for honesty and integrity. So after reading US Bank's web-page, which promised (in writing) a "Code of Ethics" policy (approved by CEO Richard Davis) where: "Employees and directors are expected to act lawfully and ethically at all times and investigate dishonesty, misconduct, unethical conduct of employees." I signed on board.

Attorneys for US Bank now write (in discovery responses) that "The 'US Bank Code of Ethics' is not a contract, nor is it a part of any contract obligation, nor duty between US Bank and its customers."

How can one of the world's richest banks promise integrity and honesty in writing and then say that a written promise is not a promise, nor an obligation? US Bank admits that it broke the law, and US Banks breaking the law cost me over $25,000.00. Their lawyers take the position that they can bury me in litigation, so I shouldn't even think about vindicating my rights.

"All it takes for evil to flourish is for good men to stand by and do nothing." (Edmund Burke)

Several years ago, US Bank paid a forged check with money from my account and I had to sue US Bank just to get my money back. I should have learned my lesson the first time US Bank ** me!

My mother passed away in August 2011, so I have had to deal with all the loose ends. U.S. Bank by far has been the worst! Words I would use to describe their business practices would be - dishonest, rude, impersonal, and very dysfunctional. I would leave messages, and no one would return my phone calls. I had my mother's car returned to them before the next payment was even due. I was told to return the car, and there would be no other charges. Then, they auctioned the car, which they did not get the pay-off for. So, U.S. Bank decided they would send me a $10,173.90 bill. Talk about kicking a family while they are down!

I am on my adult daughter's US Bank checking account because it was required when she first opened it as a teenager. I have tried to get my name removed since she emancipated, but US Bank said she would have to close the account and open a new one. My daughter had an overdraft on her account, US Bank not only seized all the money in my personal checking account, but also my son's account, and my daughter's name is not on either account.

I questioned the legality of this but was told I had no recourse for appeal, they took the money and will not give it back. Five days later, I received a notice from US Bank Recovery Department stating that I should contact them before they take action. This notice was sent to my old address and only received by me because I had a forwarding order in with USPS. I had updated my address on US Bank website months ago and have received numerous correspondence from them at my current address.

It is clear that US Bank had my correct address; the same day I received notification of the offset addressed to my correct address. This is clearly not an accident on their part, if I had received the initial notification of the problem with my daughter's account that went to my old address, I would have immediately contacted them to rectify the situation before they seized my account and my son's. If a 3rd party attempts to garnish an account, there is an appeal process and I certainly would have been able to demonstrate that the assets in my son's account were not mine or my daughter's therefore not subject to seizure for her debt.

My wife and I have been long time customers of US Bank (5+ years). Without warning or notice, US Bank froze both of our checking accounts due to "irregular activity". No other clarification or documentation was provided. They notified us only by mail (which arrived days later) that they had closed our accounts, blocked our debit cards, and all outstanding checks are being returned to merchants unpaid. Calls to them have been completely unproductive, as the best reasoning they could come up with for their action was "excessive transfers" between our accounts, of which we were never notified that we were violating any type of limits or guidelines.

Our accounts have positive balances, are linked to overdraft protection credit lines, and there has been no risk or loss to the bank whatsoever. US Bank was our sole banking provider, and they now have nearly $5,000 of our funds which they've been holding, going into the 3rd week now. We cannot pay our bills, buy gas, or purchase food until our funds are released. The branch manager advised us to open an account at another bank until this could be resolved, but we then determined US Bank had already reported us to Chexsystems, which would not permit us to open an account anywhere else. US Bank has created a severe hardship for our family, and has handled this situation in a completely unprofessional and impersonal manner.

I have been banking with U.S. Bank for 19 years. I had $412.00 in my checking account. I went to a US Bank Atm on a Saturday and drew out $400.00. Leaving $12 in my account. On Monday, My husband had asked me to go make a $38.00 purchase for him and that he would transfer $40 into my account to cover this charge. I made the purchase and when I got home my husband said he had forgot to do the transfer, so we logged onto our Internet banking and transferred the $40. It said the $38 was pending, so we thought we were in the clear. The next day when we logged into out account we had 2 fees for $33 each. One fee for the $400.00 transaction and the other for the $38. I could understand 1 fee but not 2 fees as I did have $412.00 in my account.

I called U.S. bank and they told me 1 had received 2 fees because when I withdrew the $400.00, it went into pending status and left a balance of $12.00, then the $38.00 went through which put my account overdrawn. So then when the $400 was withdrawn (no longer pending) the account was already overdrawn. They said we transfered the $40 2 hours too late. I did go to see my bank manager, to try and get 1 fee removed, but he said it was not a bank error and refused to remove it.

I receive unemployment benefits through US Banks Reliacard, and also my child support. My one card(not sure why they can't be on the same card anyway) was to expire the end of this month Nov. 30, 2011. I received an email asking me to activate the new card that I received. The only card that I received was for child support and I had already activated that one. So on Nov. 7th I called to let them know that I had not received the card that they were speaking of. The gal said that she would gladly reissue another one, and that it would be no problem.

Nov. 8th I get fuel so I can go to an important appt. for my new job. I was told that they had to confiscate my card and call a phone # to report me. Me already upset calls and was told that when she told me the new card was being issued I should of stated that I wanted to keep the old one active until the new one arrived. No one asked me, now my children and I are without food, I have no fuel to go anywhere, esp. my new job, thanks to this stupid, uncaring bank.

They won't even transfer it to my other card, which I know they can, they just choose to be heartless, and even giggled when she said, "Oh, wow, no mail tomorrow, that sucks for ya. " They have no clue and rude, wow some saucy language I learned. Very, very disappointed. Will not bank there again, I'm changing to a local small town bank...as soon as I get my money so I can afford to.

We have been banking with US bank for over 15 years. Recently we have been taking out our money for retirement a little at a time. Who cares, its our money, right? Apparently not! We got a letter in the mail stating that they will be closing our accounts with them with no explanation. When visiting the branch to confront the situation, they told us it was a "red flag" to them and they had every right to close us out! If it was a "red flag," then why didn't anyone contact us?

The strange thing about this is, the bank manager told us that if we would have drawn out $20, 000 then we would have been fine. How does that work? $20,000 comes out of your account suddenly and that's not a red flag but a little at a time is? He then told us that "it would be in the best interest of both if the account is dropped." I have never been so disappointed in a bank!

We closed all accounts with US bank and found another institution to bank with. We asked the new place if they had ever heard of something like this and they said it was extremely odd. I hope that no one else has this same experience, a banking institution you've been with for 15 years should never treat you as coldly as they did.

I took out a car loan with US Bank. It has been one of the worst experiences ever. I asked for them to change my billing address to my office address where my secretary pays my bills. The next bill that came, the tax on the car increased. I called them to explain to them that I only asked for them to change my mailing address and not where the car is registered and garaged, in New Jersey. They cannot get this right. I finally turned in my lease with them after 6 years of paying my bills on time hardly ever using this car, which after 6 years had only 27,000 miles on it.

I got a phone call after returning the car that I owe them $395.00 termination fee. I was not advised of this and asked them what this is for? They said that wear and tear over mileage and turning in the car. I told them there that car was in perfect condition. There was no wear and tear, and hardly any miles on the car, making it a profit for them when they go to resell the car.

Beware of using US Bank. They have their methods of billing more money from their consumer customers. I have contacted the broker with whom I got the loan from to find out if he was aware of this termination fee at the end of the lease. I think its astonishing that a bank has a nerve to charge this fee when I met with all their restrictions for 6 years and my payment have always been on time. They made quite a bit of profit off of me.

I have banked with them for seven years. I lost my job and took out payday loans hoping to get ahead. I was wrong; instead, I was drowning. I am a single mother without a job and I am about to lose everything. They don't believe in helping people in time of need. I asked if I could get a $1,500 dollar loan and they said no. I asked them to freeze my account and they also said no because I had an advance of $400.00. I told them that I would pay it just to do something to help me stop it well.

Now, I have $330.00 worth of overdraft fees and $99.00 of it, I was in the positive. I have three bad checks out and $400 cash advance that is going to rack up now too. So, not to mention the fact that I am out of work, I am living on $500 a month. They had to really help me out here. I wish that I never ever banked with them. Now, I am going to to jail and I won't be able to take care of my daughter. Thank you for all your kind help.

A payment was sent for the billing period. The bank electronically transmitted an error to my bank resulting in a returned check. Though there was no fault on my part, US Bank charged me and is then closing my account. I have never been late on any payment with them. I cannot get to speak with a supervisor nor get anywhere when I speak to a customer representative. I have left 3 messages and no one calls me back.

Beware of any business credit cards with US Bank. They will offer a promo rate with a lower interest rate. And then, they not only lock your purchase balance behind the lower rate balance, but your payment won't be applied to the interest charged at the higher rate. This means that they will add the interest charged at the purchase rate to the purchase balance, then charge interest on the interest. Due to this compounding, in 8 months of paying more than the minimum payment, a $1497 balance has increased by $291. I only made that purchase because I was misinformed by one of their representatives that I could pay off the higher rate balance. US Bank refuses to take responsibility for the misinformation and refuses to accommodate my account in any way to show that they value me as a customer. I have never missed a payment. They are making money off of me, but they are clearly not interested in a long term relationship with anyone using these practices. I already closed my banking accounts with US Bank because of their very strange way of doing business and total lack of interest in happy customers. If you are considering US Bank, move on and find a small community bank that will value you and treat you fairly.

I closed my credit card with a high credit line. My credit score is well over needed and has no mortgage (is paid off). They are the rudest people I've ever dealt with. This is from a creditworthy individual, who has no outstanding debts nor missed payments. My crime was to apply with "9" credit cards this year (I only recall "4"). I denied a new credit card and canceled an existing one by USBank; the worst bank ever!

We have been dealing with a foreclosure issue with US Bank for almost five years now. I had some medical issues and called customer service to see if it was possible to skip a mortgage payment and catch the payments up a few months later. The woman I talked to said yes and said that she was noting the conversation down in her computer so we would have no issues when we went to make the next month's mortgage payment.

When we went to make the payment, we were told that it was a double payment or nothing. When my husband called back to the customer service department, he was transferred to Loss Mitigation. When asked why he was transferred there, he was told that since we were two months behind in our payments, we were in the process of being foreclosed on. He kept his temper and explained the conversation I had with the woman from customer service and he was told that customer service cannot make those type of decisions, we were basically going into foreclosure and that there was nothing he could do.

I called back a few hours later and was told by someone else that we could fill out paperwork and have the foreclosure stopped. After another five phone calls and three weeks, we finally received the initial paperwork along with the paperwork from the courts that we had a date set for six months from then. We immediately called a lawyer who told us that since we didn't make the payments (or couldn't after US Bank told us it was all or nothing), there was nothing he could do and felt that it would be wrong to try since he would just be taking our money.

We called Home Assure and things started out great. But in the end, they just took our money and ran leaving us at the mercy of US Bank. In the end, the bank received the foreclosure through the courts and in order to save our house, our mortgage was changed to us making payments that were double our original payment. We have since been slowly working with the bank to lower the payments but after four years, we are only down $200.00.

Over a year ago, we sent in the paperwork for another request. My husband works on commission and his checks are large in the summer. What we asked is that the payments be lower but that we would make larger payments in the summer to accommodate the escrow for the taxes. We made all the payments required, sent in all the necessary paperwork and were waiting for the Review Board to go ahead and approve the request.

When I called to make sure everything was in place and ready to go, I was told by someone in Loss Mitigation not to make another payment at the higher amount because it would show the board that we could make the payments and they would refuse the request. After a phone call (a week from four months), we received a letter stating that all they needed were copies of our last two paycheck stubs and we would be receiving our new paperwork. I faxed them over two days later and was told that they were received.

A week later, we received a letter stating that they were missing part of my husband's stubs and that mine were not continuous. After calling and explaining that I am paid every other week and that my stubs were in fact continuous, I re-faxed my husband's stubs over. Again, I called to make sure that they were received. A week later, we received the same letter stating that my stubs were not continuous and that my husband's were incomplete. I called and was told that they could not read my husband's stubs but that mine were okay.

So, I again faxed his stubs over and called to make sure that they were received. Three days later, we received a letter saying that we were declined due to the fact that they never received our pay stubs. My husband called (because I was to the point of throwing things) and he was told that the letter was sent out before they received the last fax and that everything was fine. We could disregard the declined letter.

Two days later, we received a letter from US Bank's lawyer saying that they were acting on the foreclosure and we had two months to pack up and leave the home. When we called the bank, we were told that there was nothing that could be done except to start the Loss Mitigation process all over again.

12+ years with US Bank in Chicago and legally married in IL as a civil union couple. I moved a few miles west to a new location and US Bank refused to cash a check addressed to me and my partner, which he endorsed. Apparently, they are one of the few banks that have written in their corporate policy the right to refuse to cash a check of this type. I went to my regular US Bank and had the check deposited and withdrew $20. The branch manager from the bad bank called my regular bank, had them call me to come in, returned the $20 and retrieved my check which they were now refusing. So, they can pick and choose their customers. Isn't that great! Well luckily, we make $300k and can win this lawsuit easily. Extreme prejudice and discrimination!

I came back from a long business trip end of September and I received a statement that my account was charged for a dormant fee and low balance fee. This was without any notice from the bank, despite the teller claiming that I would have been notified a year earlier which I was not!

When I closed my account, the teller refused to reimburse these fees and in fact immediately applied another fee for the period started right after the statement; not even accepting to prorate it while I had a way to correct it if the period starts right after the date on the statement. This is clearly a deceptive practice!

The account of my wife, now deceased but not yet transferred, is similarly affected and can't be closed.

Frankly, this situation is unacceptable and does not match the expected behavior of a company that would aim at being reputable and following fair business practices. The account was opened years ago as a promotion with no such string attached.

US Bank's approach to charging the account is a malpractice!

They claimed to send a check to me, which I never received. And now, they want to charge $15 to re-issue the check. Their customer service is completely indifferent, and a bit rude. I would not trust any aspect of this bank, especially the mortgage division. Use a different bank.

Simply put, I have a US Bank Secured Visa for 4.2 years. In 2008, I asked for conversion to standard card, I was declined. In 2009, I asked for conversion to standard card, I was declined. In 2010, I asked for conversion to standard card, I was declined. And in 2011, I asked for conversion to standard card and I again was declined.

I moved 90% of my payroll deposits to Bellco FCU, then applied for auto finance, I got approved for $15,000 credit limit. I applied for a Bellco credit card and I was approved for $1,000 credit limit.

What's wrong with this picture?

Glad to know my six years of banking and responsible payments paid off. Thanks for treating me like dirt. See you, US Bank!

My check bounced. No one reported it to me nor on the internet. No one in US Bank reported either. All banks in US are responsible to accept any software installed. There are many different softwares installed. This makes the bank's electricity slow and not functioning good, because of different softwares installed. Federal Reserve must think about the software, about what kind of programming logic inside they have. Then, they must have one software nationally to make the bank's electricity service very fast and protect bounce anytime to keep the customer safe. I am angry as I dislike their software. It's very poor. The bank's service looked bad and is blamed. Please make a research on any software that will give the best national service to all. Federal Reserve should know that matter with no excuse. Thanks.

Our original mortgage payment was $1,168.00. Since I bought this house in July 2006, my business' profits had went down 40% due to the economy slowing down. A big part of my pay is commission based off of our profits. We sought help through US Bank, our mortgage lender in the fall of 2009. My wife started the process and we submitted all the proper and requested information. We then got approved and received our three-month trial period payment of $946.00. When my wife called me and told me that our payment was going down by over $200.00, I couldn't believe it. We were so thankful and elated.

Finally, we could see light and felt like we could avoid foreclosure. She also told me that the payment was going to be permanent after the trial period was over. I couldn't believe it so I called US Bank myself and talked to a representative and they confirmed to me that my payment would be $946.00 after the trial period was over. It could be a few dollars more, maybe a few dollars less, but basically as long as we made the payments on time, once the trial period was over, that was going to be my new payment. It was also going to be permanent, not reverting back to the pretrial period payment as I had heard from other people.

I called to confirm these things so I could hear a representative say these things to me (because I know that these phone calls are recorded). However, after the trial period was over and we had made all our payments on time, we received our new payment of $1,120.00 and it was only good for five years, not permanently like I was told! I called US Bank and they said that the reason they raised it was based on "new information" they received. I asked them what information because it couldn't be anything reflecting my income had gone up (because it hadn't and has not). I am on pace this year to make $2,500.00 less this year than in 2009 when we applied for help.

So, they made me resubmit all the information again and within a month or so (I can't remember exactly how long), they came back with a new payment of $1,057.00 (my current payment). I told them that I greatly appreciated the help but I felt like I had been lied to. They acted very indifferent and basically that was gonna be it whether I liked it or not. No one would help me any further. My good credit took a hit from this and for only $110.00. I really felt betrayed and lied to, as if they pulled a bait and switch.

Can someone please help? I just wanted them to uphold their end of the agreement. I wish I had gotten names and employee numbers when I called because I feel helpless. Now, they call me every month wanting to know why my payments are late. We have cut back and cut out everything we can. I am at the end of my financial rope. Please help or guide me in the right direction.

On March of 2009, I purchased a car and received a car loan from US Bank. I was told that if I did a direct deposit type deal, my interest rate would be lowered. I accepted and paid my car payment on time every month on the 30th using a checking account from US Bank.

On the 1st of November, I was involved in a car accident in which I was not at fault and I filed the claim with the insurance company. The insurance took over and were supposed to pay them within 3 weeks. They made a mistake with the appraisal so they took a little longer to revise. On Nov. 27th, I called US Bank and asked them since my insurance was supposed to pay them any day now. If I didn't make the payment on exactly Nov. 30th, would that hurt my credit? I had a wonderful credit at the time, there was no way I would ever want to hurt it. The representative replied, "no, but if it's later than 30 days, yes. And you will be changed X amount of cents as a late fee per day that it's late". So I said, "Okay, that's no problem. The insurance should pay you any day now".

On Dec. 23rd, I received a letter from US Bank saying the account was satisfied in full. In January 2010, I received a check from US Bank for $330 saying there was an overpayment by the insurance and I cashed the check. I cashed my $3800 check from the insurance and so on. In the summer of 2010, I started to receive phone calls from US Bank stating I owed $300 and some odd dollars and I must pay now. They said I was 30 days late on paying. I said well, "I have not used US Bank since my car loan was paid off so, I don't understand what was purchased for over $300 in the past 30 days. Please tell me what the date and item is". They said, "this has nothing to do with a car loan and I cannot view the item or date on exact". I said, "okay, please refer me to the person who can because I'm concerned that my account might have been stolen". They transferred me to many departments all day until everyone was closed and no one was able to help me.

I started going to different branches to try to get answers, they were threatening to report to the credit bureaus. I spoke to supervisors and no one was able to tell me why it was that I owed this. Finally, I saw the 133 points that was dropped from my 715 credit score. I called US Bank about early Summer 2011 and one of the agents said "let me get in touch with the person who opened your checking account". Once she did, she was the only one who had the answers. The non-payment from November 2009 transferred to this line of credit account and I had no clue even about this account. I paid immediately and asked for them to fix my credit. They reported that I paid in full and was in good standing, and the account was closed.

But no one fixed the 180-day delinquency post on my credit. I have tried contacting supervisors and no one wants to help. They said they doubt someone didn't tell me why I owed that money, come to find out I was speaking to one of the supervisors I had spoke to before. I told her, "I actually spoke with you. I told you after you said you doubted that no one told me, if you can please stay on the line while I do 3-way to the agents so you can see for yourself and you refused". They failed to tell me what I owed for and this caused me to now have a 668 credit score which is unacceptable. I need help! Why won't they help me? They have the worst customer service I ever encountered.

3) Have the information handy to your agents so when they try to collect, the customer knows for what!

This has been a nightmare for me. Hopefully, I can get the help I need.

After spending about 30 minutes trying to log in to my credit card account online, I decided to call US Bank. After speaking to several agents, I have found out that US Bank cancelled my credit card without any notice whatsoever because of no activity for some time. This really aggravated me. Is it legal for them to do that? This is not right. My credit card was closed. Personally, I will never use US Bank for any of my financial needs.

After paying an application fee and paying for an appraisal on a remortgage, for our vacation home in Ogunquit, ME, US bank denied the loan on the basis that 51% of the owners did not use it as a primary residence. I feel that US Bank should have known this before taking the application or at least asked about it. They hold the mortgage and have had it for at least 3years.

On 7 Sept 11, I filed a complaint regarding clandestine fees charged by US Bank for their Silver Checking account (changed as of 15 May 11; $6.95 for an electronic bank statement, $6.95 a month for all Silver Checking accounts under $1,500, and $8.95 for paper statement). I went into the bank and requested my fees be refunded, but was at first refused. The only way I was able to convince them to refund the fees was that "I was supposed to keep the account open and transfer at least $25.00 a month into savings." They would allow this refund just "this once" and that I was "supposed to obey the rules from now on."

They decided to refund the money because I seemed compliant and did not argue with them. I led them to believe that I would keep the account open (even though I knew that I was closing the account as soon as possible). Unfortunately, the assistant manager made a mistake and did not give me my full refund. They refused to do so because she had not "added it all in"--"the credit request was supposed to be added all at once." Finally, with my help (and I don't understand this at all since I am a math idiot), we were able to fix the problem. I left the bank and waited for the credit to be posted.

I have been with a customer of US Bank since the beginning of 2011.

In August 2011, they froze my account without notifying me. My bills got rejected and my card too. I only found out when I went to my local branch that the account was frozen. I thought my card was not working for some reason. They said that I needed to show my social security card, after which, they will reopen my account and let me use my own money. I provided them with my social security card, after which they made my money available to me. The correct social security number was on file.

It hurts to give US Bank any stars at all on this form. There should be 5 negative stars for us to use which is the only way US Bank would get their famous "Five-Star Service" rating from us. They stole money from my wife and then charged daily fees that made it impossible for her to catch up and then got a judgment against her which almost landed her in jail today. That is US Bank, the only bank I know of who would be so blatantly and overtly criminal against their customers although surely, they're not the worst bank out there; a thought that makes me shudder.

My wife started a checking account with US Bank back in 2009, which was only established for Gold's Gym to draw a monthly membership payment from. One month, the account was short, so she told the gym not to draft yet. But they said that they had already tried and that the bank didn't pay it. So my wife paid the gym in cash that month. Little did she know that US Bank hit her with an overdraft fee, even though no money was paid and there was no overdraft other than the one created by their inappropriate fine. It was three weeks before my wife found out that daily overdraft fees of a whopping $30 each had brought her account $700 into the negative. The bank would not address the cause of the fees and the only thing they offered was to reduce the amount to $300, if she would pay it right then. A fact that proved that they didn't need the money, but were simply being greedy. My wife continued to contest it and left.

This all happened during a time when the economy had hit our family hard and we moved three times over the next year before getting back on our feet. Sometime during those moves, US Bank was able to get a judgment against my wife. She just had to pay an officer $300 in order to not be taken to jail today. Our lawyer friend has told us that at this point, with the judgment against us, we won't even a have a chance to get the judge to question US Bank's knowing robbery of my family. And now, since the court fees are added to the judgment, the court has their own reasons to want my wife to pay. Thanks for the five star service, US Bank. You guys are going to burn in hell.

It's amazing to find, especially during these hard times, the justice system being weaponed against the people who established it. Weaponed by the very people who caused the hard times that we're all in. The government has gotten so bloodthirsty, looking for money for war, that they have a business conflict in protecting us from the thieves they then join. Anyone using US Bank needs to know that there isn't much standing between you and a ride in a police car. US Bank will take the opportunity to charge for things that didn't happen and then take you to court over it. Any other bank will simply try to collect and then hit your credit if they can't. US Bank will ride your life until they suck as much blood as they can from it. Avoid US Bank. You can take their name to mean "us", as in them, el numero uno the only people they're looking after.

This is good, I once asked a teller at a US Bank where they got their five-star rating and who gave them that rating. He was like, "Um, I guess yeah, I guess we did. We made that up". Call them what you want, but at least they're transparent. But I suppose that the government would probably rate them as highly, since they're getting theirs from this leech of a bank that's as far from anything to do with the people of the "US"; which means that our government has moved that direction as well, if that isn't obvious. Many have noticed the way the government is going after people for things that they didn't used to care about so much, which means that the judgment against my wife is probably a lock. If I had a chance to give US Bank five stars, I'd aim for the face, throw hard and make sure they were extra pointy.

Despite being in total compliance with US Bank's VISA card member policies for over ten years, and filing an "error in statement" pursuant to its procedures, stated upon the rear page of its monthly billing statements in December of 2010 for an "error" of eBay's PayPal system of June of 2010, US Bank has continually refused to credit my VISA account for the disputed $75 charge, to date.

This event represents only the second time in my history with US Bank's VISA division that I have complained about an erroneous, if not blatant, fraudulent charge made by a business that US Bank has steadfastly refused to either negotiate in my behalf with the business and/or credit my account. This has led me to conclude that USB merely pays legal lip service to its many account holders and sides uniformly 100% with the businesses to which it charges annual VISA fees!

Despite supplying requested and non-requested reams of evidence to its card member services department, supervisor Michelle Frank (and nameless bank VPs), of the alleged "buyer protection plan and refund policies" of eBay/PayPal, as well as the certainty of an online fraudulent sale being made to me resulting in no refund for returned merchandise to an eBay seller in July of 2010, she still refused credit/refund to my VISA/USB account!

Can this be a legal or ethical business practice in the state of California or even under federal FTC statutes? Both eBay and US Bank are validating and practicing blatant fraudulent business and banking practices and are allowed to get away with it with no oversight, yet alone penalties?

Regardless now of the outcome of this request for refund, I plan to permanently close all accounts with USB VISA and eBay/PayPal, as well as create a blog site to advertise just how dishonest and corrupt both organizations are and for all readers to beware!

I arrived at the entrance at 8:30 AM and was greeted by an interrogator (e.g. where are you going, why, etc.). In my opinion, these are too many questions for a customer looking to simply park.

I attempted to leave at the end of the workday (Friday). The machine could not read my ticket. I backed my car away from the machine and had to park in a no parking zone, because the way I came is only one way and I could not exit without a ticket.

I had to find and take the barely functioning elevators to a different floor to have a new ticket printed.

I listened to the attendants speaking in a language I couldn't understand, while taking their time printing my ticket because they have nothing better to do with my time.

I brought the new ticket up the elevator and got in my car and drove to the machine again. The machine could not read my credit card. I needed to phone security for help.

I waited for security. Once inserting my ticket and credit card 5+ times, the machine finally worked and allowed me to exit the building.

I'm on Social Security Disability. I had $101 in a Silver Checking Account with US Bank. I recently found a plain envelope with the US Bank logo on it in my box. It had a pre-sorted first class stamp on it, but was not post marked or bar coded. The envelope face had no information as to when it was mailed, or if it had been mailed at all!

Inside was a letter stating changes to Silver Checking accounts, that $6.95 would be charged per month for service fees for accounts under $1,500 balance. Another $8.95 would be charged for paper statements. I did receive a statement sent on May 23 and the service fees showed up as "other withdrawals". There was no mention of the specific detail of this. If the charges were on the 15th as the letter stated, and the bank statement printed on the 23rd, this gives a customer, 8 days to respond to the matter. As I mentioned, the letter notifying bank members was unmarked and not mailed as was stated in the letter. In addition, I went into the bank in June 2011, right after the charges, made a deposit and the bank teller never mentioned the changes. Each month since May, I have been charged for their service fees, effectively emptying my bank account of its small holdings. So far, $79.50 was charged since May! All this because the bank made a sudden grab for money. How many of us US Bank members are affected? The bank refuses refunds because "all members were notified and we can change our terms at any time."

My name is Brad **, I have signed a counter offer from a Steven ** regarding a property for sale at ** in July 2011. The sale was agreed upon at $155,000.00. Marshall Count Abstract has cashed my earnest money check of 10,000.00 dollars and we have never heard back from US Bank regarding the sale of this property.

I am not a wealthy man and my family is struggling with no place to live in. How can you help? Who should I talk to? Every time we try to contact US Bank, they tell us to call back in a couple of weeks. This has happened 4 times so far with no new response other than telling us to call back. I am sure this will get me nowhere either, but I had to try something. Thanks for your time.

Bradley

This has been an ongoing theme with US Bank. I have had my account with them for about 10 years now. I keep my check book to the penny. Yet somehow, when my husband's direct deposit goes in stuff, it gets reshuffled around and I somehow end up with fees. They are stealing from me and I am so sick of it. When I call and seek to get the fees reversed, they say they can't do it over the phone and that I have to go to my home branch which is BS. My home branch is in Oregon, and I live in Idaho. Plus, they say if you go overdrawn and it is less than $10, you don't get a fee but they gave me a 10 dollar charge for a $2.85 transaction.

My business corporation leased a Ford 150 truck using US Bank and the lease maturity was December 5th 2006. I decided to do an early lease termination in August 2006. I notified US Bank and Lease Maturity Department of my intentions and sent a check covering the amount of the remaining three months and the early termination fee.

It was a four years/60,000 mile lease and at turn in the odometer reading was at approximately 53,500 miles. The vehicle was picked up at my residence by a transport company. Later, on October 27th 2006, I received a billing from US Bank for $161.70 for excess wear and tear. I phoned the bank's leasing department and questioned the charge and followed with a letter on November 6th 2006 which detailed that the vehicle was garaged during the leased period and its body was in excellent shape. I installed seat covers at lease inception and removed them prior to pick-up; they looked new. I added value to the vehicle by installing a bug shield, mud flaps, nerf bars, tonneau bed cover and a bed liner insert with a total cost of $1300. The engine was serviced every 3,000-3,500 miles; I have invoices that support this. I also installed four new 60,000 miles rated tires when the vehicle odometer read 42,000 miles. At the time of the lease signing, I purchased an additional 12,000 miles at 18/mile to qualify me for a 48 months/60,000 mile lease. I did not use 6,500 miles of my lease, thus giving US Bank and immediate return value of $1,170.

In summary, the vehicle was in excellent condition at the time it was picked up. I was not in agreement with the additional charges which was due to excess wear and tear. I refused to pay this discretionary charge imposed by US Bank and was warned in a letter from David Miller, Senior Vice President, that I was going to be reported to the credit bureau for my refusal to pay and sent to a collection agency. In a following phone call that I made to the lease operations, I offered to pay 50% and call the matter settled. They refused the offer and sent me to the collection agency. After two weeks of harassing phone calls from the collection agency, I relented and paid "in dispute" the bogus fee.

Now five years later, though frustrated with US Bank at the time, I eventually got over it and decided never to do business on any level with US Bank again. Two weeks ago, my wife and I decided to refinance our home for a lower interest rate. The mortgage company did a credit report and guess what, my score is not as high as it could be because I am listed as a serious delinquent filed by US Bank! My new refinanced interest rate, while still low, is not as low as it would have been if my score was higher.

I am 62 years old and I have worked hard all my life and have always been a responsible consumer of debt. I have never been late paying any personal loan payment or bill all my life with the exception of one late credit card payment, which I paid. Furthermore, the US Bank vehicle lease in question was in the name of my business corporation and not me as an individual.

I feel personally insulted and damaged by US Bank. US Bank probably underwrite tens of thousands vehicle leases. How many lessee's at termination do they add on a small excess wear and tear, assuming that the majority won't question it and just pay it. How many millions does this add to US Bank's bottom line? I tried to stand up to a large banking corporation for something that I thought was wrong and got slapped big time in the face.

Jane and Robert ** relocated to **, Wisconsin 54745 in August 2010 after residing at the Braden Trail address for ten years. When they relocated, they informed US Bank of the new address, and asked to have all statements sent to the new address. Beginning with the July 2011 mortgage statement, US Bank began sending the mortgage statements to the old Braden Trail address. These statements never arrived at the correct, new address. Thus, causing the couple to miss, or be late with the July, August and now September 2011 payments on the Braden Trail property, which they still own.

US Bank has been holding a hailstorm insurance settlement check of ours in escrow, until the repair work is completed on our home. The work has been completed for several weeks and still the funds have not been released. The bank's bureaucracy keeps changing the requirements for paperwork. They do not contact me when they need something. I have to contact them only to find out they require something additional or different. Each time I send them something or we have an inspection, they require five business days to process the paperwork. I have received only the first draw, one third of the funds (13.5k). This has been going on since May. My insurance company paid immediately, but this bank is so disconnected. I have had to personally finance the repairs while US Bank sits on my money.

When I tried to make payments after I was only 30 days late, they did not want to work with me. I even asked if I could double up the payments and they told me "no"! I felt like I had no other choice but to leave.

Refinanced auto loan with US Bank then was solicited for a cc with a zero interest balance transfer. This was all online and the cc was approved immediately and the request to transfer the $3,500 balance transfer would be pending but I would be notified in seven-10 days.

I got a notice of transfer acceptance and also an automatic increase to credit line from $3,500 to $3,700. I then noticed on my statement an interest charged on the balance transfer (there was a 3% transaction fee which I was aware of). On inquiring via phone with customer service and their supervisor, my balance transfer was not accepted at the 0% rate. **!

I went to US Bank as I always do to get some cash from the ATM. I put my card in as I always do, and the ATM did nothing. It didn't beep, and didn't pop up and say put in pin as it normally does. I stood there for a few minutes and then walked inside to complain.

Right off the bat the employee was rude, and said there's something wrong with your card, or it's stolen. Is it stolen? I answered no. She then stated oh well, there's nothing wrong with our ATM, it's your fault. I then stated my card worked just fine less than three hours earlier at Safeway. I got very angry and left.

When I got home I called my bank (HomeStreet). The customer service was very helpful and basically told me there is nothing wrong with my card. There is no status on it and they don't even see my attempted transaction with US Bank.

Now I don't have a card, and have no way of getting dinner or even lunch tomorrow. I have to wait 7-10 days for a new card due to your ** up ATM machine.

I went to U.S. Bank and applied for a secured credit card with banker Manisha **. After we completed the application, I gave Manisha $300.00 in cash for the secured credit card. Manisha informed me that I would get a confirmation of my application and deposit within 7-10 days. I never received any response from the bank so I contacted the bank only to discover that Manisha never mailed my application or my deposit. I believe she has kept my $300.00 dollars for her own use. I spoke to the branch manager Eric and was told that it would be a long time before I could get my money back. I want my money back! What are my rights? Please help me get my money back!

I discovered that they were charging me for a cash advance since June 2011 for an agreed mistake - moving funds from the wrong account on 1/31/2011. I caught it the same day, when it was pending. They agreed, and since it was pending, there was no problem. Then without comment, they started charging me in June 2011 for a cash advance fee. Penney, the supervisor, said on the phone that because I had made a similar mistake in December 2009, they would not do anything. I have been with this bank for over 30 years. I am appalled with the treatment by this bank. I am beginning to think of going to credit unions. My business runs 150,000 plus through my accounts each year.

In January of 2011 we interviewed USBANK, Mgr Brian Spongberg, to see if they would extend small business benefits to us regardless of our size. Elise had a check list of questions. It was a very positive meeting and we felt confident enough to move my business from CHASE to USBANK.

Mr. Spongberg asked if we had a global merchant for our online store. We said that we did. He explained that USBANK has the largest global merchant in the US and wanted to know if we would be interested in learning more about it, that it could save us money as compared to the one we currently had. Because Elise handles the administrative side of the business, he set up an appointment with Nicholas Lazo. Elise again prepared a list of questions for this meeting. She brought our current global merchant statistics to compare them with what USBank offered and asked plenty of questions. We looked at what USBank offered closely. There was only a slight difference in cost between PayPal and USBank and because USBank offered better incentives and customer services we were convinced USBank was the way to go. In addition, Nick assured us that it would be an easy transition. I felt confident that we had understood everything and asked all the right questions. I filled out the contract and submitted it to Nick.

I also understood that Evalon would call to assist in the setup for our online store. I waited nearly three weeks and then contacted Nick for direction. Because he was on paternity leave, we had to communicate with him through email. He directed me to call them. Elise prepared the administrative side of our online store in preparation for the set up and called Evalon. WE were informed that their customer service only provides credit card processing assistance and training. They do not provide assistance with the set up. They said that I would have to have my "web developer" follow their guide manual for the set-up, that it wasn't something we could do. Elise reviewed the 130 page manual and she was correct. It made no sense to either of us.

Because a web developer would cost hundreds of dollars if not more and we do not have the funds for this and because the services between PayPal and USBank global merchant are similar, it would be cost effective for us to stay with PayPal rather than pay for a web developer to us the global merchant service through USBank. I understood that this would be an easy transition and assured that we could cancel within the 90 days. We tried again to communicate with Nick. After two weeks he contacted us. He apologized for the miscommunication and said that he understood we had web developing experience because Elise has stated she had put the website together. Had he asked further questions and not made this assumption, he would have realized our website hosting company supported her through its creation with EASY buttons that do the html work for you, help manuals and videos, and 24 hour support. Nick said he could cancel this contract since it was still within the 90 days. This is when we started receiving automatic deductions from our account to pay for this global merchant service.

Once again we tried to reach Nick to ask him about these deductions. He assured us they would not continue. He told us that he learned of another global merchant option since we last spoke that the bank offered and if we would be interested. He stated that this option was for those with no web developing skill and that it would be a simple transition. We agreed to give it a try and signed a new contract. Again, Elise prepared the administrative side of our online store in preparation for the set up and called Evalon. WE were informed AGAIN that their customer service only provides credit card processing assistance and training. They do not provide assistance with the set up. They said that I would have to have my "web developer" follow their guide manual for the set-up, that it wasn't something we could do.

It took nearly two weeks to reach Nick again. When we spoke to him, he again apologized stating that he doesn't know much about setting up websites. He contacted Elavon. They told him that our website hosting company is not compatible with Elavon and that it would not work, with or without a web developer. Now we were really upset. Nick obviously does not know his job well enough to be offering customers products he knows nothing about. And the monthly fees continued to be deducted from our bank account. We told him to forget the whole thing that we were not interested in their global merchant services. I was assured it would be cancelled. To this day it has not and we have paid over $500 in service fees. And if that isn't bad enough, Nick did not cancel the first contract as he said he did and now we are paying double in fees !

We have sent numerous emails and made several phone calls to Mr. Spongberg, to Nick, to Evalon and Ladco. Ladco tells us we are locked in with these fees regardless if we use them or not for the next three years. Evalon and the others tell us continually that these contracts will be overturned and our money refunded, but it has not. We tried in good faith to resolve this within the 90 days window but have been continually put off. Again, it's not that we did not want the ecommerce service it's that the bank's services are not compatible with our website hosting company and never was or can never be.

We've been in contact with another branch manager. He assured us he would help us find a resolution, he has not returned our phone calls and is not in the bank when we happen by.

I was driving from MI to NY, as I usually do for work. I stop at a US Bank branch through my GPS. This branch was the worst in my life. It l looks like an old house, empty.

I asked to see the branch manager. A lady came take my NY ID and check card to a chubby woman. I waited 5 minutes to see her. As soon as I sit on the chair, she told me why I went there and were there no banks in NY. I was shocked on why she was telling me that. Worst service. And then telling me she can't give any service to me. What a shame. US Bank have to change those farm fashion employee.

Beware when enrolling for a credit card. On the phone, they deny membership fees for additional business account holders just to get you to sign up for the additional card.

"Oh no, there's no membership fee. Only the primary account holder pays the regular yearly membership fee. You can open up to 10 cards under the same account with absolutely no fees."

Then you get the statement and it turns out that you are obligated to pay, yet an additional annual membership fee for each additional card you open. We were specifically advised that the account could open up to 10 additional cards with absolutely no additional fees whatsoever. When we contacted customer service to sort out the issue because their enrollment representative had specifically said there were no fees, she said "Well to cover our bases, it's in the written agreement we send you with the card."

That still does not make up for the representative who clearly convinced us that there would absolutely be no additional fees. False advertising. Do not trust credit card companies, they will tell you what you want to hear just to get you to sign up.

US Bank contacted me by phone to inquire whether I was interested in a credit line increase. I hadn't considered it, but thought why not. I asked the caller whether this would generate a credit inquiry and mentioned my concern about lowering my FICO score. I was assured this was not the case, so I agreed.

Two weeks later, I am informed that I am declined due to credit utilization (which, in my case, is less than 5%). The letter states my FICO score, which means a credit inquiry took place, and also included a "we are sorry". Upon inquiry of what happened, another representative told me I am using too much credit. She also said that the credit inquiry is always done and I "should not have been told that". She said she "could not give any advice" as to what percentage is good credit utilization.

My elderly mother had an account with $900 in it. She deposited a check sent to her by a family member in the amount of $3,000. The bank held the check which my mother had no issue with. It turns out that the family member mistakenly wrote the check on a closed account (honest mistake). The bank returned the check at midnight, on July 12th 2011, but in doing so deducted the amount in full from my mother's account, without simultaneously releasing the hold, resulting in my mother's ledger balance being $900 but negative for available funds. They charged her $33.

Upon calls, they were repeatedly rude and I simply told the bank that they could apply its systems anyway it wanted and it could take her money without explanation. The bank acknowledged that at no time was my mom's account technically overdrawn but it was electronically overdrawn because US Bank elected to withdraw the amount of the check without releasing the hold at the same time.

Its theft, pure and simple and anyone who does business with US Bank will be treated this way. My mom was a long-term customer. Boycott US Bank now!

U.S. Bank has constantly charged me for overdraft fees when they shouldn't. For example, a check cleared my account yesterday in the amount of $160.00. Before the check cleared, I had a balance of $243.54. Once the check cleared, it left me with a balance of $83.54.

When I checked my account today, I noticed that I am being charged an overdraft fee of $33 for the check that cleared.

I called U.S. Bank's call center and was told that there is nothing they can do about reversing this charge. It appears that two charges were "authorized" on my account at the time the check cleared, and it brought my account into the negative.

I told the customer service lady that it's impossible for that to happen; I saw the check had cleared my account before I left work and before I went to the store to use my check card.

I was told that there is nothing that U.S. Bank can do and that I am stuck with the charge. I will also be charged for the "authorizations" even though they have not been debited from my account.

U.S. Bank robs the consumer, and something needs to be done. They have done this to me in the past, and I have filed a complaint with the FDIC.

U.S. Bank cannot keep charging people fees for no reason. It's not right.

I've had a checking account with U.S. Bank for 5 years. When I moved to Georgia, I found out there was no U.S. Banks in my state. I stopped using the account. About two years later, I received a letter from them that they were going to start charging me a maintenance fee on the account.

I called them as soon as I received the letter, to close my account. Margery (the customer service reprehensive I spoke to) explained I couldn't close my account because it had been inactive for so long. It would take them approximately 3 days to activate my account, and I would have to call back them to close it.

In the mean time, I would be charged the maintenance fee on the account. This seems ridiculous to me that they can charge me fees on an account that I can't use, and can't close. I am currently awaiting the three day activation time to close my account.

I have been doing business with US Bank most of my adult life and so has my husband and mother. My mother passed away in my arms in May after en extended illness. I am an only child and took this very hard. I am on disability and only bringing in $200.00 a month until my divorce is over. I inherited my Mom's house which only has $7,000.00 owing on it. I have a funeral bill etc. An attorney that is a friend offered to pay the behind payments and informed me he did pay them and I am OK until August.

I get a call from US Bank collections at 8:54 PM 7-8-2011. The woman was extremely rude to me. Basically calling me a liar when I told her that I thought the behind payment was paid. I told her she could call my attorney and she yelled back that that is all my responsibility. She raised her voice at me. My Mom hung on as long as she could for fear of this happening. I have the house listed for sale at a very low Price and plan to pay them. Who would let a beautiful home in the mountains go for $7,000.00? Last resort I could tale out a loan.

Two employees at the Seattle, WA White Center, US Bank branch have brought disgrace to the already disliked bank, that has had a chronic issue of having terrible customer service, nonexistent in my case.

On July 12, 2011, I decided to go to my US Bank branch (located in Seattle, WA in White Center) to cash a few checks and pay my monthly home mortgage. I walked up to a teller, and her unpleasant aura immediately overwhelmed me. She obnoxiously told me that there was a fee of $5 if I wanted to pay my home mortgage without a US Bank account. I was extremely surprised since I had never been asked to pay this fee. I then simply asked her if it was possible to waive the fee this time, and then let me make an account later that week. It was a simple yes or no question. She then rudely said no and, I kid you not, threw my ID card and my cash at me. How dare she have the audacity to throw anything at me? I gave her a piece of my mind and then left in a fury.

On July 14, 2011, I woke up and realized that there were too many employees out there that have forgotten the term "customer satisfaction". I then decided to go back to that wretched branch and file a complaint on the rude employee. Somebody had to do something to make sure that other innocent customers didn't have to deal with whatever she was diagnosed with. I walked into the bank and asked to speak to someone with authority. I was then led to a woman named Paulette, who turned out to be the worst nightmare. As I retold her of my experience and of my plans on filing a complaint, she had a belittling stare and looked as if she didn't believe a single word I was saying. She then made unhelpful comments and said something along the lines of defending her employee in the given situation. As if that wasn't bad enough, she began interrogating me and arguing with me about who was at fault. Honestly, all she had to do was take her lazy bottom to a security camera tape of that day, and the truth would be clear as glass. But like all uneducated employees that know nothing of customer service, she argued and made it seem like I was the one throwing things and giving attitude. And all throughout my talk with her, never once did she give me anything to write my complaint.

They say that employees represent the company, whether it be good or bad. In this case, the White Center US Bank branch is a representation of true failure. Already lacking in exterior, the bank is also infested with demeaning employees that in no way show understanding of customer satisfaction. How dare US Bank even mention that it was voted best for customer satisfaction. In the end, I had to resort to calling US Bank's toll-free number for customer service and filing a complaint on both of the rude employees. I truly hope that my point gets across. As a customer, I am the one giving you business. And because I give you business, you should treat me with respect. End of discussion, US Bank, you have failed me with your lack of care in hiring employees.

I have lived here in this apartment complex of Glenoaks Gardens (which is owned by JB Property) for two years and 11months. On June 1, I paid in cash $1400 for a cashier's check from US Bank. I paid my rent on time and full amount due with a cashier's check. Then on Saturday, June 18, 2011, I got a three-day pay-or- quit notice on my door that morning. So, that following Monday, I found out that Raffi (manager of US Bank) said it was the bank's error due to the printer that printed out the void number from the old cashier's check onto the new cashier's check.

So I told Nathalie ** (onsite manager of Glenoaks Gardens apartments) what went wrong with the cashier's check and that Raffi, the manager of US Bank, is willing to issue a new cashier's check, including any late fees (just specify what they are), and with a letter from US Bank due to all these that happened. Then that upcoming Thursday on June 23, 2011, I was told by Nathalie that I need to pay them the rent money or they are going to evict me from my apartment. I told her that the manager from US Bank needed the actual check to issue a new one or it can't be done. Nathalie said that due to their policy (which I've yet to see), they are to keep the cashier's check. On Thursday, June 23, 2011, I had Raffi call Nathalie to talk to her about all this. Raffi also told her that he needed the actual cashier's check returned to US Bank in order to issue a new one, and that US Bank will pay for any late fees and write you a letter due to all of these.

Nathalie just kept telling Raffi that it was their company policy to keep the check. Raffi said what good is it for you to keep a check that is not a live check? But Nathalie didn't care what Raffi had to say, including talking to someone above her with authority. I even demanded from Nathalie the corporate office phone number, the supervisor above Nathalie, but she won't give it to any of us. I've tried emailing the corporate of JB Property continuously, too, at http://jbproperty.net/ but no response from them either. Raffi called on June 24, 2011 and June 28, 2011 to try and get a hold of Nathalie, but no answer. I exhausted every resource trying to handle this matter period. This company is refusing to go by the banking industry laws and they are threatening to evict me from my place.

I had an emergency situation where I needed to send my son some money, i.e., from my bank to his (the US Bank I am complaining about is my son's bank in Moscow, ID on 301 Main St.). I had tried an "ACH" type transfer, as I usually do, but there was an error and I was running out of time. My bank informed me that I could "wire" the money from my bank for no charge and it would be there by the end of the day. I called my son's (US Bank) in Moscow, ID, and first inquired if the ACH transfer had ever gone through (it did not) and then informed the person I was talking to (Jessica) that I just found out that I could do a wire instead for free. She replied that was great and my son would indeed get the money by the end of the day.

Jessica then informed me that I could also do a wire for free if I went to a Western Union. I replied that I do not have a W.U. nearby and I can just go through my bank which is free! Jessica agreed and I wired the money. Now, knowing that there was no charge for wiring, I did several more to my son's account within a couple months' time (7 wires to be exact). My son noticed a lot of $20 charges to his account and found out that he was being charged $20 for every wire ($140 total). I called the US Bank and complained that I had inquired about wiring money and was not told of a charge for wiring. I was told by an employee (Candy) that Jessica (employee that I first spoke with) recalls the conversation exactly (took place two months ago) and said I asked about ACH transfers, not wires.

I said that that was not true, that I have been doing ACH transfers for a long time, so that does not make sense. Candy informed that I, the customer, was wrong, that maybe it was a misunderstanding, and they would not return any of my son's money. There was no attempt to understand. They essentially did not care that I was, in the least, misled.

I am currently in the process of seeking a loan modification on an investment property that I currently own. I am aware that lenders are extremely stressed with the many foreclosures and modifications they have to process. Nonetheless, my complaint relates US Bank's customer service. It typically takes me anywhere from 1-1/2 to 2 hours to drive from my home in Murrieta, Ca to my client in Los Angeles, Ca.

For the past week, I have been unable to reach US Bank customer service during my 2-hour drive to work. In other words, I have been on hold for over two hours for three days in a row and never spoke with a single customer service agent. I believe that this is totally unacceptable. I have literally been on hold over 6 hours in the past three days and was unable to reach anyone. I'll try again tomorrow.

I filed a complaint about a pair of electronic transactions that I made on Sunday, 1 May 2011 involving an ACH transfer of $3250 from another bank to my US Bank checking account and a simultaneous Paypal disbursement of the same amount. The disbursement was made by US Bank on Monday, 2 May 2011 but the offsetting credit was held for one additional day resulting in a charge for insufficient funds.

Obviously, the bank's computer programs are set up to delay credits in order to collect an occasional "overdraft" charge. Mr Moody (a Customer Care Unit employee) responded that it was my fault and sent me a 58 page copy of the bank's contract of adhesion entitled "Your Deposit Account Agreement & General Terms & Conditions, Electronic Transfers Funds Availability Safe Deposit Lease Reserve Line Checking Account Advance Effective June 14, 2010" printed in 6-point type "proving" that I was at fault in this transaction. What arrogance! The only response to this type of banking practice is to avoid it entirely so I am closing this account which has been open for 26 years and further recommending that my friends and associates refrain from doing any business with US Bank if at all possible.

First, I was not properly served.

This BK court has actual knowledge that US Bank has offered nothing in rebuttal of Jane ****'s averment that US Bank has no lawful claim to the property of Jane T. **** for reason that US Bank proved no security interest prior to the faulty foreclosure. Simply put, there's no note in the possession of US Bank, no lawful basis for US Banks claim. Michelle ***** presented a copy of a "robo-signing" into the court house with electronic signature, which was not my signature.

I am a victim of foreclosure fraud by US. Bank and Michell *****. I have no contract with US Bank and **********. You are provided with notice under authority of 18 USC 4, 1962 & 3 that Michelle ********** of Atlantic Law Group, LLC has committed the crime of extortion in attempting to collect a false debt by sham legal process and Predatory Lending.

Beginning about May 27, 2010 and continuing until April 18, 2011, regarding the property at *** in Newark, DE 19702 of New Castle County, the law pertaining to 18 U.S.C. 1962 was and is being violated. At present, my person and my spouse, though we are estranged, are subjected to emotional, mental and financial damages. While no value can be placed on the emotional and mental damages, $640,000.00 is the estimated damages as a result of this crime.

The crime of foreclosure fraud began when Michelle ****** of Atlantic Law Group, LLC and Judge Brendan *** of the United States Bankruptcy Court for the District of Delaware obtained a judgment of foreclosure against us without the necessary proofs. Absent proof of standing to sue and proof of damages in fact, foreclosures violate 18 U.S.C. 1962. Please be informed: we are not taking the position that we don't owe money relative to a loan which we obtained as purchase money for the property being foreclosed. The rule of law requires that: (a) A mortgage in not a lien on persons or their property. A mortgage is a lien on a promissory note. (b) For a bank to take property via bankruptcy proceedings the law requires the following: (i) The bank must show by charter within the state that the bank has standing to sue in the states courts.

(ii) The bank must be in de facto, de jure possession of the original promissory note " this means: (I) The promissory note must be the original, not a copy. (II) the Bank must actually have physical possession of the note. And (III) a/the Bank must be the owner of the note or assignee as shown on the fact of the note itself. (iii) the Bank must prove specific performance meaning proving that the bank actually loaned the money to fund the promissory note. And (iv) the bank must have damages in fact meaning there must be an authenticated copy of the account and general ledger statement attested to under oath and subject to cross examination proving a deficiency in the payment schedule relative to the note. Absent these proofs, the foreclosure is extortion a felony crime.

After many years of banking with US Bank, I recently closed out my accounts and moved to a local bank because of what I considered unreasonable fees for overdraft protection. While my bank account was active, I was enrolled in their Web-based system to receive my bank statements. Since I closed my account, US Bank no longer allows me access to my bank statements. I discussed closing my account with at least three US Bank employees before I did so and none of them mentioned this as an issue. I would have downloaded all previous statements if I had known that this would happen. I feel that I saved US Bank money by using their online banking services and they are basically ** me as a result.

I have been paying to US Bank an escrow money of $30.00 every month for years and they have been sending it to an investor and not applying it as directed to the escrow! The detailed note to be applied for escrow shortage. I have all my documentation on this matter from my Chase bank account. They always say that they are going to fix it but never do. How do I escalate this to get it resolved?

US Bank Home Mortgage closed a home purchase for me on January 3, 2011, six days later than it was originally scheduled to close. During the discussions that occurred around them missing the closing deadlines, one of their management team agreed to reimburse me for any reasonable expenses incurred as a result of them missing the closing by six days. They called me today to inform me that they evaluated my submitted expenses and determined that they only agreed to less than 10% of the submitted expenses - all of which, I think, are reasonable expenses I incurred on their behalf as a result of them not delivering a closing date as they promised.

Following the many emails exchanged promising me that I would be made whole after the closing, I emailed back the details on the reasonable expenses for which I am seeking reimbursement. These include the cash payment for the movers, who were greatly inconvenienced by the postponed moves, including having to work on New Year's Day, for a total of $2,000; the six-day lease for $2,400; attorney's fees for $4,200; the U-Haul bill for $347.22; move-out cleaning for $250; interest on $138,000 from Tuesday of last week when we wired it, which was $68.05 plus the $1,000 credit offered initially and the $1,000 credit for being a US Bank Platinum Customer. This doesn't include my time investment (which, as everyone knew, was non-trivial), Kyle's time, the title folks' time, the realtors' time, the interest the builder is having to pay running over into 2011, and countless other things in the trickle-down domino-effect of missing the deadlines.

I purchased a vehicle using US bank or the miles program. I was told I had 24 hrs to return the vehicle when I purchased the car. The day after I purchased the vehicle, I noticed it had been in a wreck and had hail damage done to it. I then called the car lot and US bank and told them about the situation and I wanted the car issue resolved. I was told by the bank that they were going to contact the car lot and local miles rep to help me out. I didn't hear nothing from no one for about 3 days.

When I called back, now the 24-hr return time had expired, I told them I just want my vehicle back. They told me I won't be able to due to the fact that the vehicle was paid off already and they would fix the issue at cost. After about 10 days of trying to return this vehicle, I finally agreed to fix it because I was stuck with this vehicle. US bank nor the car lot would not honor their return period.

When I got the car back from the body shop, the damage was still noticeable. All that was done was a repaint over the door, the hail damage was still noticeable as well as the damage to the doors. It has caused me to be turned down for credit to purchase a house and another vehicle, which also has caused me higher interest rate on the loans I can get.

My account was $6 overdrawn. I deposited $76 to cover a $70 purchase. I am now charged a $25 negative balance fee (I guess it was $6 short for 5 days although all negative balances under $10 were supposed to be exempt from charges). I am now also charged a $33 overdraft fee, all 10 days before Christmas. It wouldn't be so bad if I wasn't a single mom and out of work. Now, $58 in the hole. Guess that's US Banks way of wishing me a merry Christmas.

This bank and establishment teamed together to offer a credit card balance transfer at zero percent interest for X number of months, so we signed up. The first bill came fine. The second bill switched our balance and our new purchases. Now, we were charged 18% on our balance transfer and zero percent on our new purchases. When I called to work this out, the woman was uncooperative. I have the offer in my hand that we signed up for! We paid them the balance transfer fee. I called the card company we had before. I told them the situation, this bait and switch, and paid yet another transfer fee to the old card company. These people should be charged with a crime! How can America allow blatant injustices such as this?

On September 2, 2010, US Bank paid the fifth stolen check for $499.66 with only $168.00 available. When the stolen check was presented, the teller found the funds available by using the check card authorization, the funds held are still pending, ignored the signature card at bank and determined the account holder is responsible for not securing ordinary care when checks were stolen from a secured home.

US Bank used authorized credit card funds to pay stolen checks when not authorized to do so. They created overdraft charges by doing illegal transactions and deposited funds in account holders account with no record of transaction. And when confronted, they will not address these issues. Also, they sent the account holder altered uniform commercial code letter. US Bank admitted altering it for their benefit.

We bought our home in April 2003 and since then the mortgage has been transferred or sold to other agencies multiple times, sometimes having paid the payment to one company and then being told we were late because the new company that we didn't even know had never got the payment. Eventually ending up with US Bank.

I was working in mortgage at the time and had a very good income, we were updating the home with new windows and had a major structural issue arise with the home during this process. The seller had never disclosed a termite infestation with the home and the pest control company lied on the inspection reports stating there had been no activity since 1988. The damage was so great that we had to take a second mortgage out to make the home livable and not have it condemned by the city. The costs kept mounting to repair the home and bring it back to a state that we could live there safely and still have it be worth something.

In March 2005, just after our only child was born, we ran into serious problems. Our child was born with some medical problems and during my maternity leave, my job was eliminated. I got to go back to work at half the salary I had before my leave and was placed in a position that was slated to also be eliminated in less than a year. We still had some repairs left to be done on the home and we ended up having to refinance the 2nd mortgage we had through our credit union to complete the repairs to the home. We were solicited by Ditech.com. They had us do the entire refinance over the phone. My husband and I never saw any of the paperwork the loan processor had and never knew what they actually put down for our qualification information.

During the refinance process, my job was again eliminated and I found a new position in an entirely new field at even less than I was making previously. I was so thankful to be employed, I didn't really care if it was less. I told the LO this and he asked a bunch of questions about what I did in mortgage before and what I was doing in the insurance field now. I answered them and he said "Well, we'll adjust your title from mortgage to the same thing you are doing now. Otherwise, you won't qualify for the loan." I let him know it was a lie and he said not to worry about it, he would make it work. After several calls back and forth, I finally got a call from him in June 2005 and he said we were ready to close and gave me the stats on the loan.

I let him know that it was not at all what we spoke about and wanted to know why it had changed. He said we had to refinance at 125% or we would not qualify because of our DTI and my new job. I said then we don't want the loan. He argued with me for quite some time and then had his supervisor call me back. This man was of course much more tactful in reasoning out why I should convince my husband this was a good thing to do and how much it would benefit our child. Call it what you will, but when they started bringing my sick child into this, I caved and we signed for the loan.

The next 3 years were a terrible struggle for us. I lost several more jobs due to having to miss time to care for our child and there were very few jobs I qualified for and at this point, it looked to employers that I was job hopping, and when I said no and there was an explanation for it, they would not hire me as soon as they found out I had an ill child and would need more time off occasionally. During this time we used our savings and had been helped by our relatives to keep the bills paid. We began cutting out anything we didn't need and managed along until June 2008.

I was let go from yet another job and this time could not find one at all. By now the market had turned and we had used every last penny we had in savings. We fell behind on both mortgages and car payments. We called everyone and let them know what we were going through and asked for help in keeping our home. By October of 2008, Ditech came up with a mortgage modification and said if we paid them a certain amount for the next 3 months solid then we would pay that amount from that time forward. They said we would have to call the payment in and I could only speak to 1 person, Martin **, and they gave me the phone number for him. I gave them the payment for 10/2008 that day and tried to call Mr. ** weekly from there on out to make sure everything was okay.

We had never gotten any documentation from them and had not heard from them at all since we agreed to this. Each and every time I would call, I got a message that the mailbox I had reached was full and to try again later. I called the customer service line and they took the payments but said they weren't really supposed to since I had to deal with the foreclosure department only. This was the first time I had ever heard anyone say that. I told them who I was dealing with and they said they didn't know who he was or how to reach him but they still accepted my payments. I made each one from 10/2008 to 12/2008 without fail and kept trying to reach Mr. **. I never heard back from them from that time since. To this day we have had no contact with them at all.

US Bank took very little action to this with the exception of incessant calling and harassment by phone from their bankruptcy department. I have been subjected to swearing at me from their representatives, calling me names, calling me up to 32 times in 1 day, their representative telling me I should not feed my child so much because he knows "nothing but ** live in Iowa anyway" and "if he had such bad medical problems, I probably shouldn't be trying to stuff food in him he doesn't need." I was then told I should instead take the food money and pay them the money. The list goes on, I quit answering my phone at all and ended up having to change my phone number so they can't keep doing this to me.

We had to file bankruptcy in May 2009 and included US Bank and Ditech.com. The judge advised us on the day of the hearing that Ditech.com had never responded to the petition and when contacted by our attorney, Ditech.com advised they had no record of us being customers with them. US Bank had responded and advised we would not be allowed to keep the home because they were going to seek foreclosure. The judge advised we should seek a loan modification if we wanted to keep it. In July 2009, I secured a new job and have been steadily employed there and I love it, it's less money than my mortgage position but more than my last insurance job I had. I am lucky to have a position at all, and I love what I do.

We began the process of trying to get a loan modification, we contacted Iowa Loan Help line and got an initial meeting and then never heard from them again, I called for several months and got no call back. I went to the office and was told I needed an appointment to speak to anyone that I couldn't just show up. The person took my information down and said I would be called back, to date I have never heard back from anyone.

We found 2 other companies that seemed to be willing to work with us and help us with the loan modification and each of them took large sums of money and then disappeared as well. I had to close my bank account of 11 years while trying to save our home because of the companies trying to take money out of our account but not doing any work on our case. My husband took a loan out on his 401K account to help us get by and secure a new place to live. We had no choice in this because in January 2010 locks were put on our home and we don't know by whom.

We contacted a local company to see if a short sale was possible and they took all our information and advised they would start making contacts at US Bank, but because there was no record of Ditech.com, they could only work with US Bank. We have been fighting this for over a year, we have learned that US Bank will not respond to the short sale company at all. The company has lost 3 offers on the house because they refuse to return calls, respond to letters or emails. But yet until Oct. 2010 when I was forced to change my phone number, they were still calling me up to 32 times a day.

We have never been served with foreclosure papers by anyone, but we have received a letter from an attorney for US Bank. He claims to not know where we live but yet was somehow able to send us this letter of intent to foreclose. I have called him to see if he can intervene and ask his client to call the short sale company back. I've also let him know there have been 3 lost deals on the home because of his client's refusal to listen to reason. His only comment was "Why should my client take money from anyone other than you, it's your debt not someone else." While this may be true, the debt was discharged in a bankruptcy court and it would be no different if we were selling the home ourselves. But because we don't have a clear title on it, we can't sell it at all. The only way is a short sale, but they will not hear any reason at all.

We don't want to keep the home, we just want to be done with this. My husband has attempted suicide over this, we have had to enter family counseling because my son witnessed it. We lost our home, had to face the humiliation of bankruptcy and job losses. But we are still here, still trying to do whatever we can to pay the bills we have and make a stable life for our family. Having been turned away from every avenue of help and had every door shut in front of us, we have no desire to keep this home at all. I have to explain to my son quite often why he no longer has a yard to play in and have to dry tears that a parent should never have to dry.

I do it the best way I know how and I don't teach him malice or hate towards anyone for it. I teach him we screwed up and now have to pay for it. But he should not have to see his mommy cry every time I took a call from these people that broke every law possible and want nothing more than to break our spirit. Several people having to deal with US Bank have said this is like they are seeking a vendetta against us, it's no longer business it's become personal and I don't understand why.

What we are seeking is an answer, nothing more. We just want them to not be able to report this to our credit in any way. All we want is for both US Bank and Ditech to have to remove any negative reporting and simply state "settled" with the date of the bankruptcy discharge. Nothing more, nothing less. So simply put, how do we get that done and maybe help others to avoid ever having to be treated like this.

The US Bank Branch in the small town of Jackson where my mother and I bank called the police and reported me for suspicious behavior for taking five pictures of the front of the building, not the ATM machine or the drive-thru, just the front door. The local police sent out two police cars, stopped me, questioned me, detained me and ran a warrant check. The car I was driving is financed by US Bank and is the only gold Subaru Outback in town. It has been going through the drive-thru of that bank branch for four years. I am a landscaper and was taking pictures of their shrubs for a proposal I am working on. Prior to that, US Bank entered beneficiary information incorrectly and offered me a debit card to my mother's bank account.

They are lucky that I am not a thief. US Bank also processed our mortgage refinancing incorrectly and listed me on the mortgage when I was only supposed to be on the house deed. I looked at my internet banking page to check my checking account balance and surprise! I had a mortgage for $100,000 listed on there, although the paperwork I signed states that "Jennifer Frances ***** signs as "Borrower" solely for the purpose of waiving dower rights without personal obligation for the payment of any sums secured by this Security Instrument. " My US Bank internet account shows that I owe $696.78 by January 1st.

I added my daughter to my account in March of 2010. In order to make a withdrawal she would need to go to a teller because the strip on the back of her card was scratched. On June first, she went into the bank to take money out. One of the Managers was helping her. He ran the card through the machine but it wouldn't read it because of the strip. The manager told her that she would need to order another card. Before he could finish helping her a senior couple was having a hard time with their card at the ATM machine, so he told my daughter to let another teller help her so he could help the seniors.

My daughter sat down and explained what was going on to the teller. She made the withdrawal, the teller asked her if she wanted to order another card, my daughter said yes. So the teller ordered the card. on June sixth, I went to the bank to take out money and my account was in the negative. Not sure what was going on, I sat and talked to the teller to find out what was going on. Some one had made some fraudulent actions on my account, she informed me that on the same day my daughter ordered her new card, someone went on a shopping spree, and while I was at the bank a transaction come through. So, the teller gave me the print out of the transactions and the number to the fraud department.

I left the bank and went to my daughter's house, she was sleeping. So I asked her if she had lost her bank card. She said, "No, I have what's left of it." She got the card, it was cut up in small pieces. She had cut the old card because she had ordered a new one. I went home called the us Bank fraud dept. The 1st rep I spoke with said it looked as if the card was duplicated. She said, there was a hold put on the card and hour later it was lifted. I asked if it showed who put the hold on the card or request it to be lifted. Amber the rep said no. she said it didn't make any sense. She told me that I need to file a police report and she would send my account to be assigned to a fraud investigator.

I called my local police dept and filed a report. I got a call from Linda, the one that would be looking at my account. when she called, she was nasty and rude. She already had it set in her mind that I was a criminal and she talked to me like I was. I gave her the police report number, she said the money would be put back in my account in seventy two hours. I called her every week, two and three time trying to find out if she had retrieved the security taps from the different stores that was shopped with the card. She gave me more attitude every time I called. I called and talked to her supervisor letting her know how I was being treated. She didn't seem to care. The calls went on for a month. On July first, the bank took the money back. I received a letter on the fifth of July telling me the money was being taken back due to similar transaction. Then, I received another letter telling me that I need to send some kind of paper work. I had no idea what she was talking about but I needed to have it back by the eight of July, and my money would be returned.

I went to the bank and talked to the manager he faxed the paper work for me and then called Linda to make sure she received it. I did ever thing I was told to do and more and here it is November and I haven't got my money. I call the bank fraud department every week and leave a message and I never get a call back from Linda or the Supervisor Pat. There is so much more that I left out. When talking to a police officer I was told that they should have never taken the money back and maybe consider getting a Lawyer.

So, I was told by Autumn, whom of which I know personally, that if I made an account there, I'd get $75 put into my account just for making it. It was supposed to be some limited time deal that they offered. Well, while me and my boyfriend were there, making separate accounts, because we both wanted that $75 that we were told we'd get, Autumn kept telling us that we had to spend it right away, because if we didn't, it wouldn't be there any more. So, when we left, we spent the majority of the $75 that was supposed to be in there. Then, two days later, Autumn called my personal phone and told me that the $75 wasn't in there until I deposited $75.

So now, we were 1 week and 4 days away from when I get paid, and we've got some crazy overdraft fees. The amount we are negative has now doubled, and I still don't get paid for 4 days. So, I texted Autumn's personal phone, "Hey, where do I go to cancel my account?" No text back for 20 minutes, so I text again, "I was told before I left the other day that I had 75 on my card. That's the whole reason I even made an account there, was because I was told I'd get 75 on my card, so I left, I spent it, which you made sure to repeat over and over that I had to do immediately, and then, after I spent almost all of it, you tell me there was never even $75 on there. I don't appreciate that at all, and I don't get paid until Friday, and the amount I am negative has doubled since that day, so in order to get myself back out of the negative, and to get Kyle out of the negative, it's going to take half my pay check. Thanks. Thanks a lot for that. Now how do I cancel my account, so I can make one some where else where they are not going to rob me of my paycheck?" No text back.

So, I text again, "And the fact that you didn't say anything a week ago when I told you about it, and you're not saying anything now, just let me know that you ripped me off on purpose. So again, thanks. It's nice to know you couldn't care less about whether I'm living with no water, electricity, or nothing at all. All of this just to advance your business. I hope you're proud."

"You really think you and him make of break my business, Please! It's your fault that you didn't understand, you have to have money to spend it. I wouldn't have mind to help with the fees because I can do that but now that your young ** want to talk ** they do it on your own. I don't have time to argue with children. So, I suggest you get yourself together or deal with the consequences if you call or text my personal phone again. By the way, if I really wanted to be petty then where is all my gas money for taking you up and down the ** interstate to see your mama (which she offered to do when she was pretending to be a decent person) Don't play this grown woman game with me child!"

Sounds pretty professional doesn't it? Don't worry, I saved it to my phone, along with my messages, since they weren't even bad at all, and I'll report her. No immature, selfish person like that needs to be the manager of a bank.

Steve transferred me to Mark in collections, who was less than helpful. He informed me that I was stuck dealing with the collections department until the loan was modified or I was denied and that I couldn't register a complaint against Adam.

I informed him that I would then like to be transferred back to the loss mitigation department to change my modification process to a deed in lieu of process. This is something that Steve told me that I could have done at anytime. I also told him that I would be filing a complaint with the FTC. He told me that I didn't need to file a complaint and that I didn't need to be transferred back to the loss mitigation department because he was going to call them and tell them that I didn't qualify.

I was unable to interrupt his banter and it was clear he wasn't going to transfer me back to the agent I requested, so I hung up the phone. I tried to call back to ** at least four separate times this afternoon to speak with Steve, or another agent in loss mitigation, but was put on hold for an indeterminable period of time. I now don't know what to do next.

Has my loan modification been rejected as your agent has threatened? Do I turn the utilities off and send you the keys? I don't know what your process is. I tried to follow your process for loan modification and this is where it has taken me. The reconstruction process asks that I make a good faith payment be made consistently. I began making those payments, but in light of my conversation with Mark in collections today I will not being sending any monies until I have a viable agreement with your bank.

I have experienced threatening phone conversations and messages left on my machines. An Adam ** in US Bank collection has called every phone number I have and has even called a business number that I accidentally gave them. This business number is for a learning center that I sometimes volunteer for. The director is in Houston undergoing treatment for two forms of cancer; consequently I answer her phone for free to enable her business to continue. I worked for her before I had my baby in July and she can't afford to pay me now. Since she needs this help to keep her doors open and pay for her treatments, I help her out.

Mr. Adam ** has left two messages on this phone stating that it would be in my best interest to call him and left his phone number. Anyone who has access to the voicemail at the center can hear this very personal message basically threatening me. I have requested that this number be removed but the messages won't stop.

During that call, I also promised to make a payment by a certain day and that date had not passed. I told Mr. Adam **that I understood that I still owe this money and that I am not within the agreed upon parameters. But my assumption was that since I had entered into a US Bank process and was doing everything US Bank asked of me and that I was giving them all the information they requested, I should be able to explain that to their agent and they would mark my account as having spoken with them and leave me alone until the next time I came up in their auto dial.

Mr. Adam ** proceeded to deny his access to your institutions notes as they related to my account. I explained that my agreed upon payment would be drafted from my bank on the promised date. Mr. Adam ** demanded that I make arrangements through your bank and that nothing else was acceptable. Mr. Adam ** had little or no concern for my situation, so I terminated the call. I will not discuss my personal business with this man. He has proven to not trustworthy or forthright.

Mr. Adam** continues to call and leave threatening messages on all of the numbers I gave US Bank seeking full payment is made. This is the same payment I explained I couldn't make last time he called. Earlier today I called 888-456-2622 to confirm the arrival of the information and payment US Bank requested. I sent this packet before its due date via certified US Mail. A US Bank agent informed me it was noted in my account that it was received five days after the appointed date. No mention was made of the sent date and I was told not to worry and that as long as it was posted I was safe. I began to explain the calls from Mr. Adam **.

This agent simply repeated the standard script concerning your collection calls. She also said that she was not the person to talk to about my issues with Mr. Adam ** and that she could only transfer me to him. She said no one else would be able to help me. I was not able to speak with another US Bank agent nor was I able to register a complaint with anyone but him. I then explained that since she couldn't help me, then I was finished with our conversation and would be filing a complaint with the proper authorities. I didn't call you to say I was bailing. I could have but that was not my purpose. I could have left the house abandoned but I haven't done that either. In fact, I have continued to make repairs and improvements to the home to keep it in good repair.

The reason I contacted US Bank was to try to honor the debt I had with you. I wasn't trying to get over on anyone. I was being honest and forthright. In return, I have agents of your bank lying to me repeatedly and using information I have given you to harass me, my family and a business owner that has nothing to do with this very personal matter.

I am about ready to just give the house back. Nothing is worth the hassle of dealing with US Bank. You don't keep their word and only abuse your customers.

You obviously want this house a lot more than I do—the same house that, in a good market, wouldn't have sold for almost two year of being on the market. Your business practices are reminiscent of loan sharking, a practice I understood to be illegal in the US. I want straight answers. At this point, I can't get in touch with the department I need to speak with over the phone to have a normal conversation geared to a positive resolution. I will not entertain the verbal abuse that your agents seemed to be trained to dish out. If you are willing to speak to me civically, I am willing to discuss this; but if not, don't bother calling because I won't be harassed.

Ideally, I would like a loan modification officer to call me and go over my application for modification along with their favorable determination so that I can honor my debt. At the very least I want Adam ** and that Mark ** to be removed from my loan process completely. I want the harassment by your collections department to cease and desist and I want instructions on how to vacate the premises.

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.

This has resulted to confusion mostly. I am trying to do the right thing and the one. Had this company has told me that all of my paperwork is in line to be considered for a loan modification; but, on the other hand, I am badgered and harassed and threatened by them. I have since received two letters from this company confirming to me that their business is psychotic. One is worded rather sweetly and the other is very threatening, but neither mentions that I am working with their company to remedy my situation. In fact one offers financial counseling through HUD.

During a recent refinance of our home we needed to place a stop payment on our mortgage payment. We went to the nearest US Bank branch and told the teller to cancel the check. She did not know how so another teller came and assisted her. She told us the check would show up as insufficient funds. That seemed odd, but we assumed they knew what they were doing so we left (without a receipt). Three days later I received a thank you for your payment e-mail from the mortgage loan holder. They cashed our $2,100 check anyhow. We went to the branch to complain and they told us they would call us back with an explanation, but never called us. We called the regional manager for the branch and a week later he called to say that they were unable to determine what happened.

Last year, I lost my job so I contacted my home mortgage lender. They told me that I had options until I found employment. The option was a home mortgage forbearance. I was under the impression that I was to skip three months of payments and it would go on the back end of the loan. Now, they are saying that if I don't pay the three months, my home can be foreclosed on. I am stressed out with all this.

For the past year, I have been trying to get a loan modification. I have mailed, faxed all the information to them and each time I would get a foreclosure notice and another number to fax the same information. Each time I'd fax the information, they would always say that they did not receive it. I have faxed and mailed my information to the same place.

When I lived in Colorado, I had a US Bank account for 5 years while in college and law school. During that time, I had a $4000 reserve line. I got in the bad habit of using my student loan money to pay the balance of the reserve line each semester and then dipping into it later in the semester as was needed. As a result, at any given time, I probably had 2/3 of my student loans tied up in that line. Admittedly, it wasn't the smartest thing to do, but I made my payments every month. Everything continued this way until one day I checked my account balance and I was overdrawn. I was confused, because I had about $3000 in my reserve line that should have covered it. I called the US Bank main office who told me that I had no credit line and referred me to my branch office. The branch office told me that my reserve line had been canceled and they would start sending me bills to pay it off.

The banker didn't know why, but he said he'd find out. A few days later, he called to tell me that because I had been a few days late on the payment of an entirely different credit card (who hadn't even penalized me), they had decided to cancel my reserve line with no notice. As a result, I had none of my student loans, and no money to live on. The banker very nicely offered to set me up a new credit card with a much higher interest rate. I declined. Now they send me bills about once every couple of months, won't set up e-billing, change the due date each month, and call me immediately after it's due to ask for payment. Oh, and they charge a $10 processing fee for paying by phone.

Most recently, after paying by phone the previous month and indicating that I wanted the full amount paid, I received a call from US Bank saying that I was still $14 overdue. Apparently the last banker to call didn't type the number in correctly, but if I felt like it, I could pay the $14 over the phone for another $10 fee. The banker told me it was "my responsibility" to know what the last person had entered for my payment. Avoid this bank.

I currently have an impound account "attached" to my mortgage payment. I recently made a change to a new homeowner's insurance policy for the property for which I have the mortgage for. I canceled the previous policy with the previous insurance company and purchased a policy with a different company and paid the insurance premium in full for one year.

I called my lender to inquire as to whether they had received confirmation from my current homeowner's insurance company as to my having paid the one year's premium in full. The rep at my lenders stated they had, in fact, received the confirmation letter from my homeowner's insurance company that that was the case. I then asked for the homeowner's insurance portion of the impound account (it includes property taxes as well) to be removed or no longer accumulated, again, since I had paid off my insurance policy in full and provided proof as they had requested in a letter. The rep then informed me that one of their prerequisites to be able to make this change is that I, the borrower, do not have any late payments in the last six months. Since I had a late payment record in the last six months, they would continue to collect the insurance monies and six months later; so long as I don't have any late payments, I can then request for the insurance portion not to be "collected."

The rep stated that this is a policy that the stockholders of US Bank have in place. She also went on to state that it is against the law to collect funds in an escrow account that are not going to be used for that specific purpose. I commented to her that I felt that this was unjust since she's telling me it is against the law to collect funds but that those are the bank's shareholders rules/policies. I believe these people are acting in bad faith and should not have a right to continue to collect funds from an impound account knowing there is no reason to collect those monies. I feel as if the bank is "punishing" me for having made a late payment. As a note, I am not in foreclosure of anything like that I just missed a payment by a couple of days; late fee had been assessed and paid and my account payments are current.

They are taking advantage of people. They seem to think they're above the law. Can someone help me find out if this is legal? I have not looked over all of the fine print of my homeloan docs.

Laura

US Bank was told in June of 2010 to not allow any charges to go through, without sufficient money. US Bank has taken well over $2,300.00 out of my account. I have inquired numerous times, and US Bank said they would not reverse charges. I thought it was a law not to charge customers, when customers requested no overdrafts, but it seems US Bank is above the law.

They have ruined my ability to pay bills on time, because every time I logged into my account to pay bills, there was not enough money, because they helped themselves to my money. Someone needs to get off their butts, and quit protecting these scumbag banks.

I requested them to send my Wal-Mart/Discover Card a balance transfer check. The check was returned to them by Discover. They did not notify me. This put my Discover card in arrears and they charged me late fees. I called US Bank to find out why the check was sent back to them. They didn't know or didn't care. Is this any way of running a bank? They can bounce checks and get away with it!

I leased a vehicle through a local Volvo dealership, which set up the financing through US Bank. I made all payments on time for four years without incidence, but ran into a problem at lease end concerning US Bank's unilateral determination of "excess wear and tear" to the vehicle.

Simply put, US Bank asserts that it alone (through its inspector) determines what constitutes "excess wear and tear" and that the lessee cannot challenge that assessment. The lease language defines "excess wear and tear" as any scratch, ding, windshield nick, etc., suggesting that any mark on the vehicle after four years of use is excess and not ordinary. The lease also fails to point out that US Bank interprets the lease to give itself the unilateral power to determine when such exists and how much they can charge for repairs.

In my case, US Bank sent out an inspector (DataScan), who documented every minuscule scratch or ding, categorized some as "normal" and others as "excess" and applied a cost to those in the "excess" category. When I lodged my objection to the assessment, US Bank advised that the lease did not allow me to object and demanded payment or have my credit damaged. I refused to comply and they did, in fact, turn it over to collections and reported to the credit agencies that I failed to make payments on the lease.

On the former, they advised that they would stand on the documentation of their inspector (all photos taken within one inch of the vehicle surface, no scratches larger than ) rather than consider the complete and accurate documentation that I provided. On the dealer inspection, they advised that they had no obligation to discuss the assessment with the dealer and, in fact, cited to a clause in the lease that specifically denied the admissibility of any outside inspectors opinion, apparently, even that of their own dealer client accepting the vehicle on their behalf.

In short, US Bank has set up a situation that is patently unfair that offers no recourse to the lessee other than litigation. In essence, they have said if I don't like it, its just too bad.

Unfortunately, the attorney general's office declined to take up the matter on my behalf and advised that I seek counsel.

As the issue is one that is universal to anyone who leases from US Bank, I feel that it would be best to pursue action against US Bank as part of a class, rather than as an individual. In a quick research on the web, I found numerous complaints from others who have had the exact same problem with US Bank at vehicle lease-end (Google US Bank vehicle lease dispute or similar query). I have leased numerous vehicles prior to this one and have never had a problem with any other lessor.

In my opinion, US Bank is using the power of their position and their ability to damage ones credit to bully borrowers into making substantial additional lease-end payments. There is no question that this is a widespread practice that is fraudulent, unfair, and nets US Bank many millions of dollars each year in undue profits. While I first and foremost want the matter over, I would like to see US Bank held accountable for their actions. Many others have been forced to pay or be harassed. I want to put a stop to it.

If there are any attorneys who would like to learn more about the issue in order to consider taking up the matter, or if others reading this have had a similar experience with US Bank, please contact me at **. As an individual, we are limited in our actions against a banking behemoth; together, we can stand strong and bring accountability and fairness to past and future lessees who find themselves in the unfortunate position of having signed a vehicle lease with US Bank.

US Bank is providing an incomprehensible online statement for my car loan. After calling to request for a transparent statement listing principal and interest payments separated for each month, I was asked to to pay a $20 fee to receive this information via mail. I refused and was asking if there is an alternative way to get this information without paying the fee. The answer was that any branch would print out this information.

I went to the next branch nearby, and got an print out which displayed a partial listing of my payments, none of the loan itself and the clerk wrote a by hand interest charges to each amount that he received by someone over the phone. I ask again for a more detailed information and received the same answer that it would be available only for a $20 fee.

I am outraged at the way banks think they can do business, especially when one bank like US Bank, which I have been paying off my mortgage to, does this twice in 3 months without even giving me a 30 to 45 day notice. US bank has been hurting people on so many levels and I was shocked at the amount of complaints I discovered while researching.On this website, ***, there were 29 pages of complaints, more than 4 pages alone for 2010. I also saw many other sites with complaint after complaint. The fact that their practices can cause other credit card companies to take action and then all of this seriously affecting credit scores, I am sorry, but this is criminal.

If you are willing to take a look at the website mentioned above among other sites full of complaints, many of these will make you sick. People with loved ones in the hospital and so many of these individuals such as myself, have worked so hard to maintain the best credit possible! This bank needs to be thoroughly investigated! Mistreatment is an understatement! If I accomplish nothing else in this post, I hope I can at least steer other people away from a bank that abuses its power and from all the complaints I have read has no problem breaking laws! Please this is one bank that needs to be held accountable. I have truly never seen anything quite like this. Thank you.

I am a widow, my husband passed away in August. I went to the bank and they gave me a copy of a life insurance paperwork that my husband had filled out. The bank person said they took the paperwork, but never processed it. They said if I made the monthly payments, I could get the life insurance. They called me back and said if there was a policy in the house, and that they would honor it. I did not find a policy. If they took the paperwork but did not process it, would it be the bank's fault?

I opened a business account with US bank for my Avon business. Since I receive checks as payments, I asked the teller who opened the account if the checks would be held for any amount of time. The teller told me they would not. Much to my surprise, the checks were held. I check my balance online and it is not clear if the checks were held.

I was charged $70.00 in over draft fees, which US bank refuses to waive. I have written two e-mails and get the impression that all US bank cares about are getting fees and not their account holders. I will never have another account with that company.

My grandma left me a trust when she died Dec. 21, 2008 and it went into my name in June 2009. My trust was worth 1.2 million and now us bank is saying it's only worth 300 hundred thousand dollars. I figure out when I have not taken that much out off it, how 700 hundred thousand dollars is gone? The investments don't go that much down and I need help but don't know how to go about it. I have seen on the Internet that US Bank has robbed a lot of people's trust. I'm trying to get them to release all my funds to a different bank but they have not been telling me anything which is my right. They have not been honest with me. They never tell me when a person quits and they have a new person watching my trust and they are supposed to. But I always hear of it from my sister and I'm so tired of US Bank and do not want them as my trustees any more.

US Bank Office Equipment Finance Services (OEFS): Terrible! This is the "financing tool" that copier companies sell their accounts to. US Bank OEFS can't get their head out of a hole-in-the-ground! I've been a client for decades, and they do not communicate well with the companies from whom they buy these contracts (the copier seller). OEFS is "greedy" in late fees when it can take 16 days for an invoice leaving their office to reach my desk, I have to sit down the day I receive the invoice and pay it, or they claim they don't get it in time. What is that? Is it really my fault that their "payment processing center" is so slow? It is probably in Pakistan!

So I recently called customer service. Three months ago I provided proof of property damage insurance on this copier, but they can't find it (this is after a verbal acknowledgment back when I faxed it) so I'm contacting my commercial insurance agent again. (She said: "Todd, we did these 3 months ago. Oh, it's US Bank, they are notorious for this.") So I'll have to do the process again. And I can just forget about the $30 monthly Prop Damage Surcharge I've been charged all these months. Furthermore, not one, but two customer service representatives just got sarcastic and condescending with me: The first rep was just plain snotty, but when I pressed for a manager, she (the manager) accused me of taking a tone with her and called me sarcastic (which I was not). It quickly became clear that these customer service ladies were neither service-oriented nor customer-friendly. Saving grace: it is talk like a pirate day.

We wanted to send an inheritance check to our nephew. We drew the money out of our bank. They said if we had it made out to me, I could endorse it and deposit it into our nephew's account in US Bank. When we got to the bank, the person waiting on us said we couldn't do that because the check had to be made out to our nephew since it was a cashier's check. We had to go back, have the money deposited and new checks cut for the money. We went to a different US Bank and had no problem. The other bank said they would have accepted the checks either way. I still had to endorse the back of the check. Mr. **** was polite but wouldn't listen to us. This was a major hassle at a sad time.

2006 Nissan ready to turn in at end of lease. US Bank inspector claimed there was almost $1000 in excess wear and tear. Local auto glass shop could not find any windshield damage, but US Bank required I install a new windshield. US Bank said there were paint chips and I had to repay several areas on the car. Nissan dealer said this was ridiculous and they had never seen such a requirement for a car in such excellent condition. I had to pay about $300 for minor rock marks and $300 to fix normal scratches on the wheels. Looking at the web, you'll find dozens of similar problems with US Bank ripping off people at the end of their leases. $1000 plus a lot of time dealing with US Bank, windshield replacement, body work, and wheel refinishing.

Two years ago, I was added on to my ex-girlfriend's checking account through US Bank. When we broke up she never would go with me to remove me from the account. I called US Bank and they said that I wouldn't be liable for her account. All of the sudden as I stated almost 2 years later, I come home to check my account and find with no written notice or phone notices that they took 141 dollars out of my account for a charge off from her old account. The account they took money out of is my account and has never had anyone else's name on it.

Then after they took my money and run the account negative, they have the nerve to charge my overdraft fees of 33 dollars and 8 dollar a day negative balance fees. After contacting the bank, they said they could do nothing but refer me to the collections dept. I've let 4 messages today with no replies and unable to get anything but voicemail, not to mention the long hold times to get that. Well, I was completely broke because they took all my money plus added fees. I had to miss work because my tank was empty and I had no money because again they took it all. It was late when I found this out and couldn't call anyone for money. Not to mention the stress of all this, I have wasted a day of my life because I was robbed by US Bank!

I was applying for an auto loan with the U.S. Bank branch office listed and I was told that to apply for an auto loan I would have to open a checking and a savings account with the bank. I didn't have a problem with being required to open such accounts when applying for an auto loan. But the banker I dealt with did not inform me that if I was declined for my auto loan and decided to cancel my accounts with US Bank, that I would be charged $50 if I canceled my checking/savings accounts within 6 months.

I think that not informing a customer who is being forced to open a checking and savings account should be warned that if he or she decides to cancel their bank accounts within six months then they will have to pay a penalty to do so. Based on the fact that this particular branch of U.S. Bank has a sign advertising loans outside the branch. I am sure that many people going to this particular branch are duped into applying for loans they don't qualify for then getting hit with a $50.00 fee for canceling their bank accounts when they don't want anything else to do with U.S. Bank. I think that the practice of not warning customers of the $50.00 for a six-month cancellation fee for opening a checking and savings account is a bad practice that needs to stop.

Reference: Wells Fargo Must Pay $200 Million in Overdraft Case. I reported this practice at US Bank two years ago.

My husband and I have been US Bank patrons since the fall of 2008. We had several occurrences where the bank, whether phone banking or speaking with a personal banker, that we had inaccuracies on checking account balances. I would balance my checkbook, call in to see which payments had posted, and sometimes speak to a banker to ask if their were any charges, overdrafts, fees, what have you. Nine times out of ten there were "hidden fees", in which I knew nothing about nor the banker could not see. I would end up with several overdraft charges, which I would pay, if in fact the cause was from me not getting the proper amount of deposit into the bank.

I have a problem with the inaccuracies with the information I get from the bank. I closed my account last month out of anger and extreme frustration. I have had other checking accounts and never had so many overdraft charges in all my life! $3400 to date, just this year! That's insane! Unethical, for the hard working family we are, that is almost our entire income for one month! I am amazed that this is legal! If there is anyone out there that can help, we would greatly appreciate it! Thanks!

My condo is about to go into foreclosure with US Bank. I have had it listed for a short sale but have been unable to sell yet. My contact person Amanda **** has not responded to my 3 e-mails in which I requested HAFA in order to allow me more time for a short sale. I don't know if she has started the foreclosure or is doing the paperwork for HAFA. I would like to avoid foreclosure if at all possible. Please advise what I should do now.

I had a checking and savings account with US Bank in 2009. I had an unauthorized charge on my debit card by Free Credit Report.com and it put me into a negative balance. I noticed right away and contacted Free Credit and they immediately reversed the charges. I went in to explain to my bank branch and they said there was nothing they could do and continued to charge overdraft charges and late fees to the amount of nearly $1000! This was over a $20 mistake. Now they have sold my "account" to a collection agency and they are harassing me at work and home.

The collection company is harassing me at work and threatening legal action if I do not concede to pay them. I am not at fault for this and proved to them with their own records and they literally shrugged it off and said there was nothing they could do.

On Wednesday, August 4, at 10:25 am, I went into the branch to withdraw an amount of money from their ATM located inside. After the transaction, I tried to see my balance and after 3 different tries I wasn't able to. I went inside the branch and I asked the clerk to help me with my account because the ATM outside wasn't working properly. First off, the blonde girl helping me didn't care a bit that the ATM wasn't working. Secondly, she took my ATM card and went in the back for a long time without any other explanation. At this point, I asked the other brunette girl, who seemed to be the manager, why did she take my card and why is it taking that long. She told me that she needs to verify the card because I didn't show her my ID. I went back to my car and got my ID and showed it to her asking for my balance.

I was in much hurry and all I'm getting is 2 slow moving girls like turtles that have no consideration for the customer. The brunette started arguing with me without a point about why the ID is important and all that and while I understand it, I don't understand why after I showed her my ID she still keeps on going with a very vindictive tone and a mean spirit attitude. Is that the type of customer service US bank calls stellar? Thank you very much but I better not have to deal with that again! After I left the branch, I called them again asking for the manager's name and they refused to give it to me or to let me take with the so-called manager. I think that's the worst customer service I've ever had to deal with and I need someone to take responsibility for these employees that have no idea what they're doing and on top of that they're cocky, rude, and unprofessional!

We were contacted via phone by a man named James at US Bank, and he was adamant we sign up for a Premier line of credit. We told him my husband had just been laid off for at least the winter, but he was undeterred. He gave us a $10,000 loan at a much lower interest rate than the accounts we used the money to pay off - by almost half (a U.S. Bank Visa credit card) and fully (a U.S. Bank Overdraft Protection account) so of course we jumped at the chance. (Also, we haven't used the Visa card in close to 2 years; we've just slowly been paying it down.)

About 6 or 7 months later, after continuing to pay everything as usual, not making any late payments, and still not using the charge card or paying for anything with credit, we received a letter from U.S. Bank regarding our Premiere Line Plus. "As a result of a recent review of your account and your overall credit history, we are decreasing your credit limit to $9,900 effective immediately. The primary reasons provided by Trans Union Corporation which impacted our decision were: Serious delinquency; and Ratio of balances to credit limits on revolving accounts is too high."

We ordered a copy of our clean credit report from Trans Union (no delinquencies whatsoever), and promptly wrote to U.S. Bank requesting a review of our account. They sent another letter stating that they couldn't restore our account to the previous limits due to "Missing Annual Household income and/or Monthly Housing Payment."

We phoned the number given in the letter (underwriters), gave them the information requested and were told to call back in two days with their decision. Upon calling two days later, we were told we were denied restoration of our credit. When I asked to speak to a manager, I was told it was after hours, and I should call the next day. I called, but the person I spoke with then transferred me to another person, only to be told we needed to call another number (customer service). It was late, so the next day, I called the other number, only to be told I needed to call the first number (underwriters) again. Oh, come on! This continued no less than FOUR more times, until the final person we talked to told us that it was too bad, our credit limit would not be restored. He also said that if the decision had been up to him, he would have never given us the Premiere line of credit.

At one point in my conversations with all of those people, I expressed my concern over how the ratio of credit to payments would look with $100 less, and one man told me, "Yes, but that's minimal. " What? Also, when I addressed the information in the first letter about our account(s) showing a "serious delinquency," I was told, "Well, that was just a mistake." This is just one of many stories I have about our nightmare relationship with U.S. Bank. They are scamming people every day, and there's absolutely nothing we can do about it except to not do business with them from the start!

This banking institution is seriously dysfunctional. After having an account with US Bank for over 15 years, I will be closing it tomorrow. I have had numerous issues with this bank and have found that the "service" to the "customer" is more and more non-existent. Today was the last straw.

After years of ridiculous overdraft fees (Now up to nearly $50 per incident. Yeah, I've got that money, that's why I went into overdraft!) with no consideration for length of time I've been with the bank or amount of money they have made on my deposits over the years. Other fees, such as a $75 fee for a garnishment processing fee. (You need to charge me that much for withdrawing money from my account?) Last time I checked, an ATM withdrawal cost, at most, $5. How much more complicated can any other withdrawal be? For the record, I am not some deadbeat. I was laid off a year and a half ago, and I am struggling to make ends meet on a substantially reduced income.

And now the latest, today, I needed to verify a deposit to pay bills that are due today! For the past twelve hours, I've been trying to access my account, both online and by phone. But, according to the website and the human that I spoke to, their system is "down due to unscheduled maintenance" (translation, confirmed by the human that I eventually spoke to, is that they have had a system crash to the computer in Denver, duh!). Hmm., act of nature/God? Whatever. I don't get any grace for those kinds of issues when they happen at my end, yet I am expected by this company to just bide my time, while they hold my money and deal with their computer crash.

Are you kidding me right now? What financial institution doesn't have any kind of backup for a crash at the Denver office? How much per day do I get to charge for my inconvenience and problems with my bills due to the incompetence of this bank? What recompense will I get for this problem? Am I able to charge them for every hour I am unable to access my money? Of course, not. They simply get to hold my deposits hostage until they resolve their internal IT issues. This is what is fundamentally wrong with our financial system.

As of tomorrow, I will be closing my accounts with US Bank and moving all of my financial dealings to a credit union. I refuse to tolerate the abuse of power exercised by banks such as this. I am disgusted that banks are allowed to abuse their control over our hard earned money. They hold us accountable for everything, while they refuse to be accountable for anything. It is simply abusive by the large banks to charge the depositors least able to afford it such obscene fees for every single issue. It is adding insult to injury that there is no accountability on their part for issues arising due to their lack of ability to provide adequate computer support.

I found my missing check, apparently cashed without any endorsement and into someone's account. It is obviously not mine or I would not be complaining. The check was for over $5,000. Let me repeat, no endorsement. Let's say together, check fraud. I lost out on 2 months of interest, and one less bank to choose from in the future.

Complaint: On Wednesday, July 14, 2010, I took a $40,000 cashier's check to your E. Charleston Office in Las Vegas, NV. I told Joe ** that I wanted to purchase a certificate of deposit and make it in trust for my sister in Oregon. I told him I didn't have my sister's phone number and address and he said that would be no problem and I could come in the next day with that information. I also told him that I had another CD maturing in August for $80,000. I called Mr. ** on July 15, 2010 to provide the information and he requested her social security number.

I told him that it was not necessary since he had my social security number and it was my account. He told me it was bank policy and I would have to provide it. I told him that that was a deal breaker, there was no need for me to give out her social security number and she could otherwise identify herself upon my death. He informed me that he would have to talk to the branch manager and I informed him that I was serious and if he couldn't oblige, I wanted my money back.

He called back and said I must provide her social security number pursuant to the Patriot Act and if I withdraw my money, they couldn't process the transaction until the end of the month and then fine me for early withdrawal. I told him if that was the case, I will close my checking and savings account, cancel my Visa and he'll never see the $80,000. He said that was fine with him.

So, you're losing a customer, gaining an enemy in the community and losing the chance for my $80,000. So much for customer service and common courtesy! I intend to end business with U.S. Bank and instead do business with other banks in this community, who don't make ridiculous demands and want my business. By the way, when I contacted my sister, she told me U.S. Bank in Oregon had canceled her Visa without notice and threatened to turn her account over to the state since it was inactive while she recuperated from breast cancer. These people are so customer oriented and real humanitarians!

On Friday July 9th, I purchased computer parts from Tiger Direct for $274. On Saturday, I was sent an email stating that my items had shipped except for the video card that I ordered which now was on back order. It stated that as soon as a new shipment came in they would rush out the delivery. If I wanted a refund instead I could contact them. I did not. On Sunday, I checked my bank statement to see how much I had before buying something and found my account was overdrawn.

In addition to the original order of $274, I was now being charged a second time of $114, for the video card that was on back order. I called US Bank customer service and explained the situation and the rep told me there was nothing she could do on her end that I had to talk to Tiger Direct. She said if I got into a conference call with myself, Tiger and US Bank that they could try and resolve it but I had no idea how to do that on my cell phone. She said that a phone call from Tiger was not enough because there was information from me that she would need during the phone call to fix the matter. She said that I would not be charged overdraft fees because of this because it was a merchant error.

I then called Tiger customer service and explained that they charged me again for something I already paid for but was not being shipped because it was on back order. I also explained that at no point in time did I ask for a refund. He put me on hold for 15 minutes, came back and apologized that indeed they intended to refund the amount but doesn't know why it showed up as a charge. He also stated that it wasn't an actual charge, just an authorization. I explained that my bank holds my money on an authorization denying me access to it until the transaction posts. He said he showed nothing in his computer as to when a new shipment was coming in and that it would take 3-5 days to resolve the matter and credit the amount.

I was furious that they took my money in 30 second but to return money they stole out of my account, without my authorization, would take 3-5 days. I said this was unacceptable and it better be resolved in the morning. He said he was sorry but that was their policy and asked if there was anything else. I said no and hanged up. On Monday, my bank account was now positive and by $188. Upon checking my authorizations, there was only the $114 charge but the $274 original charge was nowhere to be found. It was not on the authorizations nor was it posted.

The computer parts I ordered from New Egg on Saturday had already posted but nothing from Tiger. On Tuesday I checked my account again and this time it was negative again. There still wasn't a $274 charge anywhere but now there was 2 $114 charges, in authorizations and a $159 charge was posted, the items that were delivered. And this time I was charged an overdraft fee, even though I was promised by US Bank that none would be assessed due to merchant error.

I called US Bank and talked to a rep and explained everything that had progressed over the course of the weekend. She reaffirmed that there was nothing they could do on their end that only Tiger could fix it. She said that overdraft charges would be assessed but that if I could prove merchant error then they would refund my money. I was not happy with this answer so when I hung up I emailed customer service for US Bank and asked for an explanation of why I was told two different things by two different reps. I then checked my email to find out that the video card from Tiger had come in and was shipped thus explaining the why they had charged my account thinking they had already refunded it.

Obviously, my previous phone call was never recorded in the system. I then called Tiger Direct and explained what they had done and that i was not happy. This rep was much more compliant and asked for US Bank's phone number so he could rectify the situation. On Wednesday, I received a response to my email to US Bank. The rep said that she pulled both authorizations so that when the charge came through it would not have a negative impact because of the errors and refunded the overdraft charges but she also explained that it was my job to monitor my account and further errors regardless of fault would result in overdraft charges being assessed.

If I felt that the charges were in error I could file a complaint and after an investigation they might reverse some or all of the charges. I called US Bank and wanted an explanation of their overdraft policies. She explained that I am not overdraft until it posts yet couldn't explain why overdraft charges were assessed even though my actual balance was at $188.18.

This was the second time I had been screwed by their overdraft and bank policies. In November of 2009 while in Las Vegas on vacation, they shuffled charges around so that they could charge me six overdraft charges and take money out of my account, thus taking money I was supposed to use for vacation. I have direct deposit that goes in every Friday morning yet on this day it was posted after all other charges on the account even items purchased from Vegas on Friday morning. And I have an item from Total gym of $95 that is taken out every month on the 26th but that month it was taken out on the 17th with no explanation except them saying they have no control of auto withdrawals.

When I called customer service from Vegas they explained that nothing could be done over the phone that only the branch where my account was opened could remedy the matter. When I got back from Vegas I went into the branch and talked about why things had gotten overdraft and showed them how they shuffled the transactions around to maximize their profits. He said the bank has no control over when the item posts it is up to the merchant. I had overdrawn the account by $8 and had six fees of $37.50 for it.

I also had signed up for overdraft protection by linking my savings account with my checking account of which there was $50 in. He said it was an error on his part and he forgot to file it and was sorry that this happened but that he couldn't authorize a refund only his manager. They decided to refund three of the charges only.

I originally had bank account and ATM card from CalNational bank, now acquired by USBank. CalNational policy and agreement on ATM usage was to reimburse ATM fees from non CalNational ATMs. USBank acquisition is allowing continued used of the CalNational ATM card until they issue their own, but are not reimbursing fees though this was not disclosed in documentation and agreements.

The morning before the closing, I called her to know how much I had to pay for closing costs. She said that she did not know because it was not her department. Later that same day, she calls me with the amount, so I rush to the bank to get a certified check. Half an hour before the closing, she calls me saying that they forgot to make a paper and that in twenty four hours, we could do the closing.

I called the closing officer, Kerry, and she was stunned. After the twenty four hour period, Miranda kept making more excuses for not closing saying that now she needed new pay stubs. A couple of days later, our refinance contract expired. She sent me a new one with higher costs which I refused to sign. Terri ** is Miranda's boss. I sent them both an email about the situation but they both did nothing. By the way, I have copies of all the emails. I got stuck with a $390 bill from US Bank and no refinance loan.

Be warned. If you have an account with US Bank, they may run your credit at any time without your permission. I was asked if I would be interested in changing to a new type of checking account to better suit my needs. I accepted, as there was no mention that my credit would be run. Not only did they run my credit but my sister's credit as well, it's a joint account, not getting her permission either (and they approved and sent her a credit card!) The manager of the branch lied to my sister telling her I'd approved our credit to be run and continued to tell lies as we complained to upper management.

My sister was able to have the inquiry removed from her credit and the credit card canceled because she hadn't stepped foot in the branch for years, leaving me as the scape-goat to the managers lies. The manager has the option to remove the inquiry from my credit as well by admitting fault to but has refused to, stating I had given them permission. This is completely untrue, I gave them permission to move me to a "better type of account." Period. Had I been told they'd be running my credit run, I would have refused. I've been working to increase my score for over a year, I know inquiries are damaging.

Until now, I have been a loyal customer of US Bank and have recommended them to others. After this experience, I would not recommend them and I'm still determining if I should pull all of my accounts or just refuse to be a patron of the branch that mistreats their customers. The result of US Bank pulling my credit without permission (aside from hours of calls trying to get someone to make this right) is that my credit score was damaged by 20 points.

I have been monitoring my credit (which is how I found out they'd run it) in an effort to increase my credit score and this inquiry has set me approximately 6 months of progress. The inquiry occurred about 11 weeks ago, at the time I was reaching Above Average credit ratings but my score remains 20 points lower than before, putting me into Average/Medium Risk categories. I'm not purchasing anything at this time but if I were, I would bet my interest rate would be adjusted to meet my score, which could potentially cost me thousands. The manager has not had any consequence that I'm aware of.

May 5th, 2010, my bank account that has no overdraft protection for a reason had $9.00 in it. Without my authorization, US Bank paid 3 payments to 3 companies I have never done business with. Sport Vision Bul (non-pin, non signature), $233.08; PC4U (non-pin, non-signature), $604.28) and SODALIS DOO (non-signature, non-pin), $646.45. I noticed these charges via cell phone link to bank account and immediately called US Bank. I explained the situation to the representative and she agreed that my account should be credited. She credited the fraudulent charges immediately. I hang up the phone and drove to US Bank and closed both of my accounts. I was given a receipt for my $9.00 marked "account closed 5/5/10". I then called my employer and had them stop direct deposit. US Bank never informed me that the account could be reopened later without my knowledge. One month and 9 days after I closed the account, someone in US Bank reopened this account without my consent or knowledge and applied charges that I never authorized. I demanded proof of authorization and was told it is not available. Now US Bank is sending me a statement declaring that I owe $1,558.81.

I have had to take 3 days off of work to deal with this situation. I do not get paid a great deal. I believe that under Title 1.3. Credit Cards, California Civil Code, Section 1747-1748.7 specifically: (f) "Unauthorized use, means the use of a credit card by a person, other than the cardholder, (1) who does not have actual, implied, or apparent authority for that use and (2) from which the cardholder receives no benefit. Unauthorized use' does not include the use of a credit card by a person who has been given authority by the cardholder to use the credit card. Any attempted termination by the cardholder of the person's authority is ineffective as against the card issuer until such time as the cardholder complies with such procedures as may be required by the card issuer to terminate that authority. Notwithstanding the above, following the card issuer's receipt of oral or written notice from a cardholder indicating that it wishes to terminate the authority of a previously authorized user of a credit card, the card issuer shall follow its usual procedures for precluding any further use of a credit card by an unauthorized person."

As I understand this statement, when I closed the account, that indeed made all individuals unauthorized to post charges. Furthermore, as per section 1747.10, a cardholder shall be liable for the unauthorized use of a credit card only if all of the following conditions are met:

(f) The card issuer has provided a method whereby the user of such card can be identified as the person authorized to use it.

Because all of these criteria have not been met, I am indeed released from all liability.

US Bank takes it upon themselves to bounce debit purchases when there is enough money in your account to clear them. They state it is their policy to take the largest amount first. This causes the other debit charges to overdraft (even though these purchases were charged first). So instead of one overdraft charge, there were 4. The $150 they charged me has ruined me and will take me several paychecks to recover. My understanding from other friends and family members is that all banks do this. This could be our food and gas for two weeks or half my car payment.

I have been getting overdraft charges from accounts that have been using my PayPal account. I told U.S. Bank to cancel my credit card and they kept it open. I contacted PayPal and they said that my bank account was not attached to my PayPal account, just my credit card. U.S. Bank replied that they were using my bank account after they cancelled my credit card. U.S. Bank express that they cancelled my card to later find out that they did not comply with my request. While I was on vacation, I checked to see if my card was active and it was. U.S. Bank said it was cancelled. I would like a full refund of my overdraft. Thank you.

US Bank (their business lease department) out of Marshall, MN is charging me fraudulent late fees. They are the lessor on a copier I use in my retail office services store. I believe that they are willfully (or otherwise) holding payments in order to charge late fees. I have been in business over fourteen years and have leased many machines from many different companies. I have never had a problem like this with any other lessor.

I believe that US Bank is manipulating my payments in order to extort more money from me in the form of late charges. I have made it a point to make sure to send my payments in a prudent and timely manner. This method works for all my other payees, but not for US Bank. I have asked US Bank that they remove any and all late fees, and in turn, I will set up electronic bill payments (that I, myself control) so as to take the US Mail out of the equation (since US Bank blames the USPS). They claim that I could still incur late fees. They imply that only if I allow them to debit my account will I be assured no late fees.

In February 2010, I was notified that due to a FEMA map change I was required to have flood insurance. I purchased this insurance through my insurance carrier, Farmers Insurance. I had my local agent Katie handle the policy and she contacted US Bank. The policy went into effect 03/13/10. On 04/02/10, US Bank purchased insurance on the same property and charged my account $2753. Katie again notified the bank and I also spoke with Aaron at the local bank. They said they had not received the information. Aaron faxed them the information a third time.

One week later, Aaron called the bank and they said they did not received the info that he faxed from their branch to the other department. Aaron again faxed the info and they said within 30 days the would credit back my $2750. My policy covered replacement cost. Approximately three weeks later, I spoke with Aaron and the bank said I didn't have enough insurance. They were requiring $250,000 coverage to also cover the property that can never be lost. Coverage at this point was $410,000. The bank then notified me that they were going to purchase another $90,000 insurance upping the coverage to $500,000. I spoke with Aaron, he was told I should disregard the letter and I would be getting my money returned.

I then received a letter dated May 6, 2010. The letter states their mistake and states I would be returned in full my $2753.19. I have paid interest to the bank for two months and in spite of their admission of fault, they refuse to return my money and I continue to pay interest on money they wrongfully charged to my account. Over the last six months, I have spent hundreds of hours of research and lost time at work going to my bank and paid interest on this money added to my balance. The letters I receive have various names and phone numbers. The name that shows up the most is a Debbie **. After six months, I believe I have exhausted all efforts to resolve this. I believe US Bank is attempting to keep this money by ignoring my requests. Thank you.

I do not even have an account at US Bank nor do I ever intend to do business with this bunch of crooks. At least one of their employees uses the Bank access to run personal checks on people for the purpose of gossip. I'm not the only that has been subjected to her snooping around in my past. US Bank claims to have a Consumer Privacy Pledge and a policy for Ethics and Business Conduct. US Bank doesn't even control its own employees and allows them to snoop into the records on non-customers for matters that have nothing to do with banking. My personal information has been laid bare by a snoopy old lady looking for gossip. US Bank needs to compensate me for their security breech. While they're at it, that old ***** needs to be arrested and thrown in jail. Please contact me! This behavior needs to stop!

US Bank is robbery. They did this to me when I made my banking on internet: Yesterday using my papal account $320. The system said UPS, it did not go thru this time, try again. One or two minutes later I did the same thing but, this time I tipped $324 instead of $342. Continue reading; see what they will do to me. An hour later, I checked my account online. And found out that both, $320 and 324 has gone thru. I called their 1-800- number and spoke with many of them but they did not want to help me. So I asked if I could talk to a supper visor. Finally they passed me to super visor Mr. **.

I asked him to stop the $320 transaction but let the $324 to go thru. He said: we cannot do that. I said: this is my account. I should be able to decide what to do with my money. He said: MMMM, ok, we can do that but, it has a fee to stop a transaction. I said: How much is that? He said $30.I said ok. Please go ahead and charge $30 from my balance and stop the amount of $320.

This is what they did to me. They charged $30 for stopping one transaction but, they did not stop. So both $320, $324 went throe. This morning I checked my account again. I found out that my account showing -$70 over drown and they have started charging $37 per day over drown charges. I may end up paying 1000s $s until I recover from the overdraft fees. To do that I need to find money to deposit to my account for cover all my (-) negative balance coursed by daily $37 overdraft charges. They did this kind of tricks to me several times in a year. I believe so far I have paid about $3, 000.00 overdrafts fee. They take advantage of every one like me and especially Latinos, because the regular banks would not open and account for us. US Bank knows this and they take advantage of people.

I have had US Bank account for +5 years. I do online banking with my account a lot. Their online banking has an "Alerts" function where you can set up a message to be sent to your e-mail address or to your cell phone when certain events occur with your account, like when it drops below a certain dollar amount, or when a certain payment amount (like for your mortgage) clears your account. Today I logged into my US Bank online account and noticed that my account had dropped below the 'alert' limit yesterday. I did not receive an e-mail. I checked my 'Alerts' settings. Yup, my e-mail address was there and the 'Alert' was active to notify me.

I called. "Chris" explained to me that since my e-mail address was a 'personal domain', the e-mails had been bouncing (for 2+ years). I was like what? My e-mail is provided through Network Solutions, a national ISP and more. It's like any company or individual that pays for their own domain/url so that they don't have to use the prolific mail providers like gmail, msn, hotmail, or yahoo. I consider my e-mail to be more secure and controllable than that of the 'public' options out there. "Chris" explained that US Bank considers these 'personal domain' e-mail addresses to be non-secure. There is no disclaimer on their web site explaining this and no error message comes up when you provide your personal e-mail address when you set up your 'Alerts'. US Bank just lets your e-mails bounce back to them and don't even pick up the phone or send you a letter! (it's not like they don't have every piece of personal information in the world about you!) It's funny, but they don't have a problem sending you all kinds of banking information concerning your account through your cell phone which is about as secure as an interstate entrance ramp, which is why I did not provide my cell phone number for the 'Alerts' in the first place.

What a pile of **. This is financial management negligence and ignorance bar none. This bank is a no-service institution run by a bunch of prehistoric dinosaurs. It's the 21st century. If you're not sending mail to my personal e-mail, but you are sending mail to hp.com, intel.com or any other business in America, then you are open for a lawsuit, my friends. It's called discrimination, and you're playing a dangerous game.