US BankConsumerAffairs Unaccredited Brand
3 times in 6 years the fraud dept screws me financially. I deposited 3 paychecks at once for 1st time ever and my acct got flagged for fraud saying my paychecks were fake. Yet I go to Bank of America that issued them and they cashed them after verifying them. 2 months I wait for the funds. And they racked up $2000 in NSF fees and charges. Finally got money but wtf. This time I deposited a loan check to consolidate my credit card debt, next morning my acct is frozen/closed so that I can't even access money that had nothing to do with the loan check. Calling 800 number no good. I can't reach a human because my responses for verification are no longer valid, yet it was yesterday to put the check in. CSR's that tried to help me run into the same thing. They cant get to fraud dept and reach a human.
US Bank is a joke. I'm closing my acct tomorrow and I am sure they will make me wait a long time for my money. They just needed to call the bank that loaned me the money, but I guess this is the smarter business route to take. Accuse your customer of fraud, hold his money (even funds that had nothing to do with the loan check), make him wait, funds clear. No apology. No explanation because you can never reach anyone in that dept. I've not missed a payment on anything for 6 years. Now thanks to them my credit report will most likely get a black eye. Time off work to see a human in branch that will most likely not be able to get any results because it's all in frauds hands. All they had to do was pick up a phone and verify.
Worst experience, worst bank. If you are new homeowner you should never go to US Bank rather go with a trusted credit union. They gave good mortgage rate first then increased rate then asked for more downpayment then disapproved loan a week before closing. So much trouble and we almost lost our money on house and there is a chance we won’t get house. Worthless stupids and idiots work there for mortgage dept. No care for new homeowners who can’t afford million dollar houses.
I have been a customer for 30 years. I was not aware that I have a "Reserve Line" that basically manages my money and if I need funds covered it deposits money into my account, on its own. It also takes back out a minimum payment and on top of that, the balance grows at an interest rate of 21%. Since I never signed up for this "Reserve Line" and assumed the bank was working in my best interest, I did not realize this was going on and now I owe US Bank over $3,000. After many phone conversations and a letter from me outlining my understanding and mis-understanding, they have offered a very small concession and have refused to understand that I do not know why I even have this "Reserve Line." US Bank is the worst. As soon as I find a decent financial institution I will leave and take my home loan of which US Bank takes $12,000.00 per year.
We all know that U.S. Bank has lost class action lawsuit(s) against them for intentionally holding deposits or sequentially structuring them in such a way that it will automatically cause your account to go into the negative and incur a $36.00 Overdraft Charge (paid or unpaid depending on your account settings). I live in a city that is about 1 1/2 hours away from the nearest U.S. Bank Branch. Because of this I have mobile deposit set up on my account so I don't have to spend 3 hours on the road just to deposit my monthly paycheck.
Today when I attempted to make a mobile deposit, I was informed that U.S. Bank made my account ineligible (for mobile deposits) due to the fact that I was a mere $61 negative. The legal threshold or their policy is $100 but they are counting my work deposits as pending even though they have already cleared on my end and the funds are already showing in my account. The representative purported that they are unsure if these daily work deposits will clear, even though they have cleared every day for the past two years.
It seems unreasonable to force a customer to drive 3 hours roundtrip, and lose time and money just to make a deposit to bring your account into the positive. I have other charges still pending later this weekend so I have no other choice than to drive and make the deposit. The Customer Service Representative, although friendly and seemingly apologetic, didn't seem very interested in helping me in my situation, and said she would add "feedback" about my plight. I guess U.S. Bank will add it to the pile of other feedback, similar feedback which brought on Class Action lawsuit(s) and a 1 out of 5 star BBB Rating and Low Consumer Affairs Rating.
All my experiences with other banks have been very good, but not with US Bank. With other banks with whom I had accounts, I experienced very good customer service, low monthly banking fees, low credit card fees, and very low penalties, but US Bank has been the worse in banking services that I have ever experienced. When I initially signed up with the bank for a secure credit card, I was informed their banking practices were geared to help those with bad credit to regain credibility, but ever since I began my credit account with them, they have ruined my accounts by charging excessive penalties, overdraft fees, and extended overdraft fees every week, and by the time I was notified of the chumped up fees, were over $100 in one month.
When I had spoken with the bank regarding non-notification in order to correct these excessive charges, I was informed I still must pay the penalties and finance charges before I can close my account. These people claim they are there to help people, especially those with bad credit (my credit was ruined due to losing my job) but what they have been doing was destroying one's finances and credit history. I would never recommend this banking institution, and as soon as I'm able, I will pay them off completely and close my account.
- 1,052,539 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
Have had a miserable nightmare with US Bank since opening our business account. We switched to them because we hoped to have excellent service from a single source for our bank account and credit card services, and at first the bank manager was very personal and attentive. It all went downhill as soon as we became customers. The card reader had a lot of problems, we lost a lot of customers, and the salesman who was supposed to help us kept putting us off. Both he and the bank manager were very slow to respond. We eventually got a new card reader--which we still had to pay for despite all the headaches we had--and for two weeks we did not get our credit card payments settled before we realized it.
Everyone kept passing the buck as to who was responsible and people promised to get back to us to solve our issues but never did. Unfortunately to switch now would be even more of an expense and headache so we are stuck. There is no question that if we had it to do over again we would never use US Bank for our small business needs. This company is so cheap. They don't even provide a bag for our change!
Zero stars Honestly. So bad. I don't know how many times I have talk to customer service and they all say if your bank account is overdrawn but is under 5.00 they do not charge, the next deposit made will be put towards the small amount. They say they have to say this by law, Why, do they say by law. US bank will have the overdraft protection kick in and charge you 7.50. Such a scam they are not following the law. They say one thing do another. I have been charged 7.50 for 30 cents 47 cents. Also just tried to have my credit cards consulted. The teller spoke to me about it like US bank was doing me a favor. WRONG. Wasn't approved, she didn't tell me they did a credit check. Thanks for knocking my credit down some more.
I have been a US bank customer for almost 20 years. I had a credit card for 5,000 dollar credit limit with zero balance. I made a 5.00 dollar purchase on it. I did forget to pay the $5.00 on time. So US bank charge me a late fee of $2 total payment $ 7. What US bank did because of my $5 payment being about 4 days late lowered my credit card to 500.00 Dollar limit. Couldn't believe it. My debit card was scammed with a charge of 119.00. I spoke to customer service who reversed this charge. I called 4 different banks about questions, you can't believe what they say, but all confirmed the $119.00 was in my account. Following day paid some small bills, next day overdrawn charge said the money wasn't in the account. Unbelievable but true. Charged me a fee. Overdraft charge.
They took off the fee because I complained of course but scammed again. I am still waiting on my 119.00 dollars then I am closing this account. Also ATM was down. I have to drive out of my way when I want to use this ATM without getting charged. I had to go across the street to PNC atm. I called US bank the next day, US bank said, "You get one free courtesy to go to a different ATM per month". She said, "So that was your free one and that is that". She would not reverse for me, even when they inconvenience you. Doesn't matter. You are just a sucker to US bank. US bank you spend so much money on fees, fees and more fees. Please STOP. Don't put your money in US bank. There is always a scam behind it.
U.S. Bank takes part in fraudulent activities. I recently mailed in a check for my monthly mortgage payment, on-time, as with 5 other checks that day. 18 days went by and all of the checks had cashed by U.S. Bank. They sometimes take 4-5 days longer than most companies. This time, I was concerned, so I called them. They said that they didn't have the check. I had to pay a late fee ($45) and also put a 'freeze' payment through U.S. Bank in case they 'found' the check. I paid the $45 late fee and paid the mortgage over the phone. Also, I had to call Bank of America and freeze the check that was mysteriously lost. That cost another $30.
Then, the next week later, someone calls me from U.S. Bank and says "Hey, we just found your check! Sorry about all of that. We will mail it back to you." I responded that I wanted to get my money back for the late fee. They said they would have to call me back. No one calls back. I eventually call them. They refused to give me my money back, because they "found" the check on March 1st, a month late. Unbelievable. Of course they destroy the envelope with the postmark. So there is no evidence that they have of when it was mailed, despite that I have proof from my bank that all checks around those check numbers cleared at the beginning of the month. Horrible business. Convenient that they found the check, after the late fee. Very convenient for them to make extra money. Very low trust in this company. I feel like I was just robbed.
I would have given 0 stars if there would have been an option. I raised a claim with US Bank since I had a water leak in my house and insurance covered all the costs and paid me the checks within 4 weeks, but unfortunately I just owed US Bank 23K on my mortgage so they held the checks worth 40K as hostage. I tried calling them at least 20 times before I got some actual answers and whole process. None of the representatives or the website has the whole process documented. They would ask for couple of documents 1 day and next day ask for couple of more documents and this will go on for few weeks.
Their insuranceclaimcheck.com website is just piece of junk where you can just upload some documents and your request will get denied without any reason. So after all this hassle I asked them if I pay my mortgage of 23K right away when will you release the funds they said it takes 30 days. So I learned a lesson and never to use US Bank in future for any of the transactions.
This is the first bank, in my short 34 years on this planet that has, quite honestly, robbed me. Between my husband, daughter and I we opened 4 accounts for various reasons. They take $6.95 out of each account every month for "maintenance fees" unless there is a certain ($1,500) amount in them. $6.95 x 4 = $27.80/month they are taking from us! Not happening US Bank, we are moving to Bank of America!
I have spent over 7 hours (5.5 hours on the phone with US Bank Visa customer-no-service) and the other 1 1/2 hours in the bank branch with my 91 year father to get this issue resolved. The bank branch has done everything they can to get this account to show up online, but, as of right now, it still is not resolved. Apparently, the phone customer service for US Bank Visa has no idea (after speaking with 5 different people) how to resolve a problem such as this. As a result, I've been told a sundry of things that need to happen for this account to be managed online, but none have resolved this issue thus far. I have been in a loop bounced back and forth from the customer service to tech service and back again.
US Bank branches have no ability to do any customer service on the US Bank side of things. That is, they can set up a credit card account, but after that, a cardholder is left at the mercy of phone customer-no-service. Conclusion, US Bank's system of managing their customer products, including problem solving is archaic at best, which is unacceptable for an institution as large as US Bank. I am feeling more and more like I am dealing with Bank of America or Wells Fargo. After 20+ years with US Bank, it may be time to move on. Sad.
I am writing this review in order to forewarn others of US Bank policies and procedures. My parents held US Bank accounts for over 50 years. My mother developed Alzheimer's and my father passed away in 2003. My sister obtained Power of Attorney over my mother. She moved $7 million dollars in my parents' accounts in Oregon to US Bank accounts in Minnesota, Florida, various brokerage accounts in New York and Nevada. All were opened online and registered in her name or jointly with my mother. Required Minimum Distributions were intercepted by my sister in pre-tax retirement accounts so my sister received all RMD monies from 2003 to this day.
I hired a private investigator and initiated a lawsuit against her in Los Angeles, where she currently resides. My attorney issued a subpoena requesting US Bank to provide records of the accounts since my sister took over as POA. US Bank refused to provide accounting stating that it was beyond the seven-year period as required by them. My mother died in 2012. This subpoena was issued in 2017. Five years after the death of my mother. The Minnesota account was cited in police reports so there is no question the accounts existed at US Bank until my mother's date of death in June 2012. This is sadly the tale of two criminals: my sister and US Bank. They enabled my sister to convert all bank accounts to her name sanctioning theft and enabling elder abuse.
I am very very very displeased with the customer service that I have been receiving and still am receiving from US Bank and Mortgage. I have been with this company for 5 years and this particular year my home and job were affected by Hurricane Harvey. I filed a claim with my insurance company and within 2 weeks they came out and inspected my home and then cut me a check mailing it to me. I then go to my bank with the intentions of cashing it so, I can take care of the remainder damages on my home and was told by the teller that I had to get my mortgage company to sign off on this 2 party check.
I was confused and contacted US Bank asking for an explanation on why their name was on my check and they told me that we did that to make you sure actually fix the home instead of spending the money on whatever. That I had to sign my check over to them and they would put the money in an expense account and that the funds would be released once all the construction and contracts were paid and back at 100%. I explained to them that when the storm hit. I had to pay out of my own saving paying a total of 4520.00 in order to have the lights and electrical issues fixed instantly and all that was left to fix was the gate to my fence.
They still refused to even disbursed a partial payment in order to fix the fence. Giving me a long list of things to do in order to start the process. Like sign over the check to them, get a W-9, waive of lien signed from the contractor, paid receipts of completed work, and a appraisal for the gate. Which were all submitted in a timely manner. A month later I still have no money to start the fence and I was in need of money to pay my bills. So, I called the bank and they told me they couldn't release any money because they only had one receipt uploaded in their system. When there were 21 that were sent over and the request for funds to be released were then denied.
So, I have to re-submit all of the receipts again along with all the requested forms that I listed above all over again. They told me I had to wait 3-7 business days to receive a answer on whether or not they would release any funds to me. Those days passed and I called again and they gave me the same excuse of only receiving one receipt. I went through this process for almost a month 1/2. I then asked them when were they going to pay the contractor to start the process? They said that they would have to put in a request for payment to the company that it would take now 5-7 business days and they were going to pay them upfront the full balance. I had to disagree explaining why would you pay the full amount before the work was done. That if they dont come out to fix the fence because they were paid upfront I still wouldn't be in compliance and I would be negative in my balance.
They then put in the request to pay 300.00 to start the process. For two weeks I hadnt heard anything so I took it upon myself to pay a cheaper different company. I submitted all the required forms to US Bank and had them proceed with fixing my fence at my expense. Once they were completely done and paid. I contacted US Bank and let them know I was at 100% to have a inspector come out. They told me that it would take another 5-7 business days for them to call to set up an appointment. I agreed and waited. 7 days passed no call or missed messages.
I called the bank back again telling them no one called and they told me that inspector said they called and no one answered and they left a message. I asked them what was the person's name, company name, and contact number so I can call them back to re-schedule. They told me that they couldn't give me that information because they didn't have it on file. That they go through a 3rd party company and they have that information and the inspector can only call me. I can't call them. So they canceled that missed appointment and re-scheduled for someone to contact me to set up another appointment. Again having to wait another 5-7 business days.
I then start receiving calls where someone would just hold the phone not saying anything and then hanging up. When I call the number back a message would say, "We're sorry but our office is currently closed." And on other occasions when I'd call back I would just get elevator music and then they would hang up. This happened for two weeks. So, I call US Bank back telling them that I still havent heard anything from an inspector and needed some answers. They tell me that someone again had called on numerous occasions and I wouldn't pick up and that they couldn't leave a message because my voicemail wasn't set up. So, at this point Im really trying to be patient with them but at this point Im livid!
They had to again cancel my appointment and re-schedule me for someone to call me. While I am waiting and still trying to request some sort of payment. US Bank is now calling me saying I need to make a mortgage payment that my 60 day grace period was up. I refused telling them how my job was affected by the storm and that they were holding a 4150.00 check and if they would release something I could pay them but they are being very difficult. So in turn they told me that I would have to deal with the claims department.
Finally I get a call from a inspector and she looks at everything. Takes her pictures and makes her notes and leaves. She then calls back telling me that she forgot to get me to sign my forms and had to come back out. Making my wait period of 5-7 business days of making a decision on releasing my money re-start over. So 5-7 days pass they still haven't made a decision saying the inspector was having a difficult time uploading the forms and pictures. Then 2 weeks pass and I'm now at 100% complete.
Now, they tell me that I have another company that I haven't fully paid and that they cant release funds until they are completely paid. I explained to them on 4 occasions I told an agent that I canceled service with that particular company and went with a cheaper company. That the original fence company only gave me a quote and there were no payments made to the original company nor did I receive service from them. That the second company came out, did the work, and were paid in full.
I also stated that a supervisor even called and spoke with them and they verified the work was done and that they were paid in full. US Bank tells me I now have to get a letter signed for the original company and I also have to sign the same letter stating they never did the work nor were they paid and that it would take 5-7 business days for them to update my account and make a decision. I tell them that I've done everything that I was asked of and I communicated accordingly that I wasn't going to do their job for them anymore. The supervisor Ciera agreed saying she would call them to verify if any payments were made and or work was done. I wait 5-7 business days to get some sort of update and couldn't get Ciera but I spoke to another supervisor and he said that they never received a answer nor a returned call and that they needed me to get the letter and have them along with myself to sign it.
That I would need to mail it to them or fax it but it would take ANOTHER 5-7 days for them to receive the forms and to update my account. I asked him why did I have to mail the letter and inquired if their website was down because if I uploaded the form they should get it within 24 hours? He said that I could do that if I wanted. But, of course I'm pissed because what if I didnt ask that question I would have to wait another week for them to get the form. The supervisor then proceeds to inform me that my account was now delinquent and that once they get a letter they wouldn't be able to release the funds to me but, the bank would then take it to cover the non-payments and late fees. Of course I'm pissed.
So, I contacted the original company who gave me the quote. They told me that they spoke to someone already at US Bank. She verified their phone number and said that she told them that there wasn't a service provided to my address nor was there any payment paid to them. That they only gave me a quote. She then says that the person who called them never requested a letter reflecting what she had told them. So, I received a letter and uploaded the forms per their request.
This process of lies, stall techniques, and games have going on for a total of 5 months. I still haven't received any phone call with a update, no check, nor has my account be updated with a payment. US Bank pulled my credit without my consent. and I'm now receiving letters and calls from US Bank saying my house is about to go up for foreclosure due to non-payment. When I was specifically told in the beginning of the claims process that due to my area being affected by Hurricane Harvey my home was flagged and could not go up for foreclosure.
I'm so stressed out because I have paid ALL of my damage out of my pocket that total more than my insurance check. US Bank only released to me 895.11 out of 4150.00 and now I'm behind on majority of all my bills especially my mortgage because they REFUSE to release the rest of my money. I don't know what rights I have in order to fix this mess. I don't appreciate the treatment especially when my job and living situation have been affect and personally feel like this company dont deserve me as a paying customer. If anyone can help me PLEASE I'm open to any suggestions.
I opened an account with my fiancée about a month ago and everything was great. I recently closed my 8 year account with Wells Fargo and thought this would be a better option for me. WRONG! Store Branch manager in Denver by her own judgement put our checks under fraud; they have to be held longer than they should be holding them for. She obviously did not take the time to review our account since my fiancée has been with them for years and has never had any fraudulent activity in his account or any dishonored checks. When my fiancée went to try and dispute it at the branch no one helped him. The girl that helped us open our account just hid for no reason. They told him he had to talk to Sara ** who was not at the branch and would not be in until Monday.
I called US Bank customer service and when they tried to contact the branch they told me the same thing; my fiancée went to their branch and Sara magically appeared. Still no one will credit our money, I have my rent and the rest of my bills due, my Xcel bill came back as returned to my account. This ** nightmare is going to screw my credit even more. This has been the WORST customer experience of my entire life; I have been given real ** food, sold bad products, and I have yet to post a review until today.
I have been a credit card holder with US Bank for last 7 years. Last night I had one of the worst customer service in my life. I was trying to pay for an air ticket using their credit card online travel agency and my card got blocked for some unknown reason. When I called them, the operator asked me more than 20 questions to verify which I couldnt answer one or two questions right. I couldnt remember my father's birthday and which county I was living in. I didnt know the answer because I just moved in there like 5 days ago. Other than that the name of county I answered name, zip code and number of house. Then anyhow she proceeded to totally block my card for any further use. I explained to her that I was traveling out of country and had no other way of paying for my travel expenses but she didnt seem to care.
If she was going to cancel my card based on one or two wrong answers why she even bothered to ask me 20 more questions? Does it make any sense? After almost 2 hours arguing on the phone, she told me that I had to come back to the state to settle it. Yeah right you guys just blocked my card and now I dont have enough cash for that. Anyhow on second phone call some nice operator told me that what actually happened was that they had put wrong social number on their system when they were registering my info 7 years ago. So I had failed on SSN question. All my spending credit was going to wrong person for last 7 years. I was always wondering why my credit line was so low even after spending tens of thousand and paying them on time. They work like cavemen in digital era. Once I am back to the state, I'll definitely never ever deal with them no more.
I have been a U.S. Bank customer for 23 years. I am now completely convinced, a loyal customer means absolutely nothing to this company. To begin, my husband and I were in Florida for one month. One week into our vacation, I called U.S. Bank to get an ATM withdraw increase due to the fact we were on vacation and the nearest U.S. Bank location was five hours away. After calling the toll free number, going through a series of prompts, and being on hold for ten minutes, Taylor came on the line. She stated, it should be no problem to increase it to $1,200.
Also, she would note on our account we were travelling in Florida. I was to receive an email within two hours to let me know when this was in place. The email never came. We attempted to use an ATM, but, our withdraw limit had not been increased. By the next day, my husband's card was declined at a restaurant. However, mine still worked. In the following three weeks, I made SEVEN phone calls to U.S. Bank. I asked each time if I could please get a direct telephone number to call back on, rather than spending so much time going through prompts and being put on hold. Each time, I was told NO, and each time, I had to talk to a new person; Leah, Gloria, Brittany, and Loretta, just to name a few. Each person I spoke with assured me/my husband they had unblocked his card.
In the end, Loretta told my husband she felt there was something wrong with his card, even though her boss said there was not. She told him she would go ahead and send him a new card to our home address. At no time could anyone explain to us why his card continued to be declined, yet my card (joint account) had nearly $5,000 in charges and withdraws and still worked. I am so glad we had another form of payment. This was an awful experience and prompted me to switch banks immediately when we got home.
I check my mobile app for US Bank almost every single day. I checked it yesterday and noticed I was overdrafted almost $3 so I had my husband send me money. My acct immediate showed positive. Then today I check my acct again and it’s negative $9 due to Hulu. So I again have my husband send me money and my acct went positive again. All of a sudden this afternoon I check my balance and I have an overdraft fee. My bank is telling me it’s due to my T-Mobile payment on the 23rd. My mobile app is showing that I had $28.31 left in my acct. after the payment processed so what the bankers are saying is bull and it’s illegal for banks to assess fees that aren’t valid. I’m visiting the branch this afternoon to dispute this. I am so disappointed as I’ve banked with them for 2 years and was really liking them. I can’t stand dishonesty and will be closing my account over this.
My husband and I applied and were qualified for a home equity line credit March 2017 in preparation for a home improvement project in the summer and we set up all the accounts in Paperless and online viewing. So when we withdrew $1000 in June and did not get any email or notification about the payment. Suddenly in August, we got a call from debt collection agency about the past-due payment for the balance of $1000 we owed. So by the time we got that call, our Home Equity Line of Credit (HELOC) account has been closed, and our $1000 debt is sent to the debt collection agency, and our credit score went down for a couple hundred points! We figured that it is just a small misunderstanding and we will make the payment right away. Unfortunately our nightmare of dealing with US Bank just began.
Disorganization and Wrong information: The collect agency said we can't pay them right away over the phone which is a strange thing! Then we called the branch, they also said that they can't accept a check or cash at the branch for the past due balance of $1000. Because we do our personal banking with another bank. So US Bank made us send a wire to them for the balance. But then the following week when we talk to them about it, they deny that is the only way to do so. And after 2-3 weeks, they cannot find the money we wire to them!!!
Difficult customer service: When we asked how can we have our HELOC account reopen, the branch manager told us that it is not reversible due to the Federal regulation. So basically we went through the HELOC process for nothing, we couldn't access the loan (except $1000) and now our credit card score is being sacked! When we try to contact anyone from US Bank that is in charge of Loan and Credit Line, we can not find any phone number and cannot reach anyone, no one!! So we did not get to talk to anyone at all from this department for this matter.
The branch gave us a phone number for customer service, but it turns out to be a joke. It's a low quality voice recording of the address of customer service and they asked us to send a letter ask for the review of our account. They made it so difficult for the customer to review their case by snail mail!! I wrote and sent the letter anyway to ask them to review our case, and of course I never heard back from anyone from US Bank, not even a phone call or email. Just nothing!
After a month of hearing from no one and we also can not reach anyone in the US Bank in charge of the loan and credit department to help us. We decided to close all our account with US Bank. Then we found out that the $1000 past due balance that we had paid through wire was not reflecting on our account. Basically our account still show that we owed $1000 after we had paid the bank. When I talked to the bank manager, he dare to ask me to show receipt of my payment!! Isn't that his job to check and make sure the book is correct?! Even after I show them the receipt of the wire and called the collection agency who confirmed our balance is zero, my account on US Bank still shows the past due balance.
After many weeks of waiting for the branch manager to clear things up for, they did not do anything and they just keep telling me that they do not know what is going on. When does "I don't know" is an acceptable answer for doing your job! Finally after several weeks of dealing with their incompetency and deceit, they finally update my account. It is ridiculous that the bank manager dare to tell me that they do NOT know what is going on with my money!! Someone is not doing its job or someone is doing something fishy!
Questionable practice of handling the customer's money and account information: The most suspicious thing that we notice is that throughout the mixed up of our $1000 balance online. All the changes were not on the record of our transactions. They freeze the account and once they reopen the account, it did not show the balance we owed, it would not show the date we sent in the payment. Basically it seems like someone has purposely erase all the records of all the transactions to cover the issue of not updating our payment.
Ultimately a scam: After painfully dealing with the US Bank for another 6 weeks, our HELOC account miraculously reopen without any explanation! The branch manager tell me again that he does not know why (he is either incompetent or deceptive). And after what we go through with US Bank, who would want to bank with them?! When we told them that we are done banking with them and we want to close the account, then they tell us the condition on the "fine print" of HELOC is that we will be penalized for $500 if we closed the account within 3 years and the 2nd and the 3rd year they will continue to charge us $65 service fee per year. So again we are screwed by the US Bank.
If I could, I would put 0 star, US Bank do not practice ethically and legally and they made it so easy to take our money but made it so difficult to help the customer. Remember the whole time of 3 months of dealing with US bank, we could not get anyone from the loan and credit department to help us. And the branch manager just play dumb and lied to us all the way through.
My mortgage was sold by the bank it was originated with. I had an auto withdraw for the original bank mortgage and decided to do the same with this though I had had very bad experiences with this bank in the past. Within 5 months there were a flood of papers telling me what I must do and "have" to do because of some sort of "agreement" they kept referring. They would draw the payment on the 2nd of every month and it would not be posted till the 14th of which was the day before they would declare a late payment.
I have worked very hard to have and keep my credit in the best rating possible. I attempted to clear this up with numerous calls and emails and many arrogant employees and nasty personalities. I was ignored and would ask to speak to management and was never forwarded to any such people of authority. I would receive monthly statements and information reflected as I said payment posted 10 or 12 days after they drew funds from my account. Finally I filed a formal complaint with Federal Banking of my state. It took less than a month to hear and have a conversation from the Government and informed in writing the agency would contact the US Bank and they would have 30 days to respond. I would say that in less than 10 days I got a response from the bank and it was just a group of well-placed words all ignoring the actual issues.
I decided I wasted my time and just went and stopped payment of Autopay on my bill bank pay account. Within 1 day I received a very formal looking letter saying I could NOT stop the payment process as and how I was obligated to adhere to some sort of agreement as they had referred to on other occasions. I attempted to again to contact customer relations and I told them of the same old treatment and response I get every time I called. After that I was back to mailing my mortgage payment month after and every month I would receive the next month statement and still date of posting was near middle month showing received. I finally resolved I had to send the payments "registered" USPS and with a tracking number and I have had to do this every month and that resolved their failure to process payments and I tried to explain my perception of every day that passes between I am paying interest on the remaining balance.
I would send additional payment with many monthly payments and they were never posted or handled as I would expect extra funds would be applied to remaining balance. I actually received a notice stating I missed a payment and looked to see where my payment might have gotten lost. I decided to make a payment again and it seemed they had the payment and just had not posted it and so I made 2 payments in the same month. So I was so fed up dealing with US Bank, I have just spent near $3,000.00 to refinance my house with a bond that guarantee me they will not "sell" my mortgage to any other institution like what had happened and is normal for institutions to sell notes.
I attempted to try to figure out how to get my mortgage insurance removed because I had done countless upgrades on the house and I was informed to go to their web page and read and get my answers. With that I realized I had to have the house reappraised again that I would go loan shopping and fire US Bank. The process took less than 1 month and I completed all papers last Wednesday and I will be done with US Bank once and forever. I have never dealt with any more insulting, terrible customer service corporation of business that this company and employees who have not learned or able to speak clear English as many of these people.
Zero Stars. The larger a bank gets, the worse the customer service gets. Leased a truck. First bill arrived AFTER my payment due date... with late fees. Paid by check over the phone immediately. Tried to set up auto pay, but because the account was "late" when the auto pay was set up it did not take effect, causing another "late fee" the following month. Paid by check by phone again immediately. Next month may not go into ACH Auto Pay either, because it "takes their system 30 days to process the auto pay". What part of "I WANT TO PAY MY BILL" does this ** bank not understand? Sooo frustrated with US Bank. Smaller lenders are so much better to deal with. I would pull my lease today if I could. AVOID! It's like their system is set up to create late fees on purpose!!!
They have terrible customer service. I haven't talked to anyone who knows anything over the phone. I went months without a debit card because of fraud problems and inside service isn't any better and you never get the same story twice. I have taken all of my money out and started with a new bank and I'm working on taking away my mortgage loan.
Started off applying for a Homeowner Credit Line. Their representatives are not trained well in taking information. Resolution of problems is non-existent. Wait times are incredibly long. (Service??? not a chance). A loan officer called me at 6:15 p.m. and was extremely confrontational. He never learned the old adage "The customer is always right". He wasn't provided with the correct information and therefore wanted to waste my time getting it.
He accused me of being sarcastic or condescending after wondering why I was irritated he didn't know questions he was asking that he should have known. He implied my loan app. wouldn't be approved, yet wouldn't contact the Underwriters because he didn't know what to tell them. I gave him a suggestion and he became argumentative. Calling the help number, it rang 20 times before I got a recording that no one could answer, but I could leave a message. I was on hold for 13 minutes before realizing their service just sucks. Do not deal with this bank! Read the poor reviews and take them seriously.
US Bank has system policy compliant issues. Manually fixing these issues after fact and then fraudulently charging late fee. I paid off my loan immediately. Choose another business for your financial needs.
I am finding it impossible to transfer funds between accounts. Now the problem has been kicked up to the developer. Also, the website is extremely slow and I have had difficulty using other functions on the site. All they care about is selling products. They are making it hard for me to manage my business.
This bank is the absolute worst for customer service. I noticed that $120 from my account was missing on charges that I was not a part of. The very first time I called the fraud department, the hold time was a little over 38 minutes. I don't remember the person's name, but he was an absolute accusatory jerk. When I explained that I didn't charge the items to my card (Uber rides) he asked me "if I was sure I didn't do it" probably 5 times. I explained to him before this horrible customer treatment that Uber is not available in my area as it's extremely rural.
To address the other unidentified charge, an iTunes purchase, I explained again that I do not have a single Apple product, nor an iTunes account. He told me, and I quote, "you can use iTunes on a lot of products, are you sure you don't have an iPod or something?" This blows my mind. I literally JUST tell you that I do not own Apple products or iTunes of any type and this is the treatment I get? I mean, if you liked being treated like a child who has no clue about anything, this is the bank for you.
So three weeks goes by after this conversation that already made me want to change banks. I receive the fraud paperwork that was supposed to be here in ten days, and it tells me that 3 of the 9 charges or so are being pushed through. 2 Uber rides and the iTunes charge. Now how does this make sense? They reverse 6 other Uber charges, but have somehow determined that the other two were valid, when I STILL DON'T HAVE UBER IN MY AREA. WHEN YOU'RE SURROUNDED BY FARMLAND THERE IS NO NEED OR USE FOR UBER.
And just to infuriate me even more, the iTunes charge. The charge that I cannot possibly have due to having an Android phone, a Microsoft Xbox, and a Lenovo Windows based laptop outfitted with Google music. Yet somehow, without contacting me at all after supposedly sending paperwork on time that I was supposed to sign and return, I am still charged with three things that have no possible way to be on my account. This brings me to tonight, 01/02/2018, when I called the fraud number for the third time trying to get these things reversed. I was on hold for 48 minutes and 22 seconds. A friend called the number and it said "Fraud personnel are not in right now, try calling back during normal business hours". It is clearly printed on the bottom of the paperwork I was sent that the fraud department is open 24/7.
I am absolutely done with this bank. They are scheming, manipulative, and downright liars. I have banked with these people for almost 7 years and have only had two fraud issues in that time. This entire company is worthless, and while you might have nice local associates, the core of the company is flawed, they do not respect their customers, and have no concern for you or your money. Get away from this garbage company just as fast as you can.
Very Very upset with US Bank. I have been their customer for 5 years, and recently added a second personal checking account for personal reasons. I have had the account 2 1/2 months, have not put a lot of money into as it is not my primary account. Tuesday I needed to deposit a large check into this account, and knew that it would be after hours. I called 800 # and was told as long as I deposited before 8pm my money would be available the next day. I then called back later in the evening to verify my funds were there, and would be available the following day. So my wife and I sat down and started paying off some bills, and what do you know we woke up to a negative account balance. I called the 800 # and was told the check was being held for "Fraud Investigation"...what...this is a pension check that I have the check stub for.
I then called local bank, and was told there is nothing they can do because that's the Federal law. It is not a law, it’s a regulation, and the bank can release it at their discretion. I know this because it's not the first large check I have deposited in my lifetime. I have a check from the same pension that I also deposited today in Chesterfield Fidelity Branch, and guess what...my money is available same day. Funny how this works. The Fraud department at US bank told me last night that if my home branch could see the image, they could release the funds. They told me my home branch was the Student Center on MU campus. Guess what. They are closed 2 weeks at Christmas. What kind of customer service is this? Never heard of a bank that closes for 2 weeks. Must be nice.
So I go down the road to one of the other local branches, begging for help, and all they can tell me is that they can't release the funds, it has to come from the branch manager at my home bank. This came from that bank manager who talked to the District Manager. They said they would call the manager next week upon his/her return, and see if they can let me have a small provisional amount. I am now furious, this is my money, I am paying taxes on for 2017, and I can't touch the money until Jan 9th 2018, I again try and call US Bank Customer Service 800 # when I get home, and have not been able to get thru yet.
I sat on hold for 15 minutes, and got hung up on, and have called back and now sitting here 30 minutes later and just keeps telling me to hold. This is the WORST CUSTOMER SERVICE EVER!!! My wife and I will be telling everyone we know, and all of our co-workers about this horrific experience. And I will be pulling all my money out of my accounts as soon as it is available.
I have been an account holder and credit card holder with US Bank for 10+ years. I randomly got a letter in the mail one day stating they were going to close my bank account. I called and spoke to a branch manager and they said they never saw a letter got generated and they were not closing my account. Two weeks later I received a check in the mail for my money I had in the account and my accounts were closed. I had 4 of them. Then two weeks later I got a letter stating they were closing my credit card account. I called 25+ times to speak to the person they had a number for in my letter, and finally two days later she called me back with an attitude stating she did not have disclose any reasoning for closing my account. Her name was Amanda ** and she said I have NO RIGHTS to know any information.
After my constant frustration she finally said "you have to have a bank account with us to have a credit card account." I said, "I had one and you closed it," she just kept saying "Pg.21 of card member agreement, states I don't have to disclose any information with you." I said "I have a $16,000 credit limit and only $1800, used, I have never been late on a payment and never maxed out my card." She repeated her answer and laughed at me. I hung up. Saw a different manager at a branch in Rancho Cucamonga, and she couldn't find any notes or reasoning on my account that states why they would close my account. She saw NOTHING, she was so confused. She even called and they told her the same thing. She said it could be, because I don't spend enough money so they don't see much interest accrued and I have nothing to offer them.
So not only did Amanda ** patronize me, laugh at me and give me false information, I am now discriminated against because I do not spend enough money. I am a middle class American and just had a One year old son who had two open heart surgeries this year and cannot afford to spend more than we make. We are being disrespected and discriminated against because of it. I have impeccable credit and my husband and I were house hunting this next summer but now we cannot because my credit shows a closed account, age of history is down and my credit availability has gone down, and credit utilization has gone up. My credit is ruined until I can build it up again.
I am currently filing a petition and seeking legal advice because I was told I had NO RIGHTS to my own information, and I was Discriminated against for being a Middle Class American. My sons medical bills accrued to $942,000. If I used my US Bank credit card for those bills I guess I wouldn't have a closed account. My petition is against creditors and bankers not to be able to close account for NO Reason and they Have to Disclose any information or reasoning before closure of account and we have the right to fight it. I have successfully had multiple business I work for and my family works for close out their accounts with US Bank. Very large profitable business closing their accounts because of the maltreatment and discrimination I received.
When leasing a vehicle, stay away from US Bank! Went today to try to renew my tags, told I needed a power of Attorney, ok. Went to a branch to obtain one, had no idea what I was talking about. Called US Bank, "Yes we can get it!!" It'll be 7 days to receive in mail. Can't fax, email, thought it was 2017!! "Oh yes we can overnight it to you at your cost." Why wouldn't they had already sent out to me? Because not everyone needs one, why wasn't I notified before tags expire, not everyone needs one. I ask to talk to a manager, well it'll be 24 to 48 hrs before they call you!!! It's a joke. Please people, don't deal with them.
The online amount will say one thing and I will balance it to the penny (I am a former banker) yet overnight funds will literally disappear. They are thieves pure and simple. Get your money out of this so called bank.
After noticing a transaction in my account I didn't make, a charge that caused an overdraft on my account twice I called the bank. On a 3 way call the bank representative heard the company apologize and say they would be refunding my money that it would take about 10 day for the transaction to reflect in my account. After hearing this the representative informed me they would be refunding the overdraft fees accumulated on my account. The next day the fees were still on my account.
I called and spoke with a senior banker that informed me that I was going to have to wait until the money was refunded to me before they would remove the fees. In his words... "Well what if they don't refund it? Then we're out..." Really!!! Out overdraft fees for a charge your own representative heard them apologize for and say would refund to my account??? Pure Greed!! I'm done with US Bank. I don't usually take the time to write reviews but this all happening a week before Christmas and their lack of concern and matter of fact attitude was appalling. I felt the need to share my experience so anyone considering this bank has an idea what they are getting into.
US Bank Company Information
- Company Name:
- US Bank