US Bank Reviews

I had a bank account with them when I was young... I also had other accounts my parents left me. Well when I took the big accounts away from US Bank to an investment firm the personal banker I had threw a fit and they made it so any checks I had deposited would take two weeks to clear.... They also lied to me about everything... I haven't been with US Bank for 4 1/2 years and yet I recently just got statements from them say I have two open accounts with money in them.... When I just went to ask about them and why I wasn't getting statements before no one can give me a straight answer.

Customer for 16 years. My ATM card was compromised. Promised a card with a rush, due to arrive 2 days later. Went to branch following day & was told card HAD NOT EVEN BEEN ORDERED - so the teller ordered it with a rush. Received card but it would not activate. Spent over an hour at 2 different phone numbers & three different people with no resolution. Told the new card I received had "been closed" - really? Even before it was opened? And I would have to wait for a second one which was ordered WITHOUT a rush & would take 10 business days. Also my PIN number which was NOT supposed to change has been changed but nobody could tell me the new number.

In April of 2013 I obtained a secured credit card in the amount of $3000 from US Bank to bolster my credit.

For no valid reason other than the fact that they can, US Bank charges their mortgage customers an escalating fee when they pay their mortgage on-line. The fee ranges from $3.50 to $5.00 per payment if the payment is paid between 4-15 days after the 1st of the month. This is not a late fee as the terms of the mortgage agreement indicate that the payment is not considered late until the 16th of the month. I pay all of my bills electronically and there isn't a single entity that charges me a fee to send them money except for US Bank. It is a scam and a rip-off!

In good faith opened an IRA-CD with U.S. Bank at around 5% years ago. CD matured in Feb 2013. I lost track of it because I moved to Hawaii from Ohio and thought it matured Feb 2014. It rolled over by default at 0.5 % till 2018. When I requested to roll it over, I knew there would be an interest penalty but stupidly assumed that would be on accrued interest since the rollover in 2013. At .5 percent that would have been pretty small. Instead they want to charge me 3% of the principal or 1800 dollars!! That is 6x the interest rate. This is the worst fine print I have ever heard (well maybe not the worst). Do I have any recourse except to wait till 2018 or lose 1/3 of the money I earned?

I have a credit score of 700. This is the third time I applied for a US Bank card & have been denied. Something is wrong.

They called my Caa Advance in early with a Caa Demand payment 14days...That put me -$693 in the red and then charged me again an Overdraft Fee....I been taking out advances with them now for over 3 years and have Always paid by the Due Date...but they have some kind of clause that says.....They MAY call in a outstanding loan amount for principal and fees if your account was previously in the red..But their MAY turned into WE-ARE and they did, not even with a 100% repayment record on my part did they even think twice about taking their money.

On 12/27/13, my account was stolen. I'm in CA and all my money was used at a gas station in Louisiana. It took 4 days after the fraud posted for me to even get the dispute forms. I even went into a branch and a manager called and she was appalled I was getting nowhere. I was told it takes 10 business days to possibly be eligible to get a temporary credit. I called on 1/2/14 and asked to speak to a manager. I was told it took 24-48 business hours for a call back. No call. It's 1/6/14 and I call again and they said my dispute is in review with no further info. I ask for another manager and I'm told again 2 days. The fact is I was robbed and US Bank has not done a single thing. Oh and I was charged $15 for a new card.

I had taken out 3 separate cash advances in December. I had never used this service before and I was to the understanding that there would only be one repayment of one cash advance from each direct deposit over $100. It never clearly stated they would combine the totals from all advances and take them out of one direct deposit. After I had made a $289.34 direct deposit into my account, I had even checked my account to see my balance and there was only the one advance payment made of $100. I did not know they had pulled the other two payments out two days later on the 26th, which made my account, that I thought was now in good standing, be now negative -$251.55.

My situation is a bit different, but at any rate, I have been and continue to get ripped off from this company. I have a prepaid debit card which I have direct deposit on. Apparently, they decide how much money you do or don't have in your account whether they are right or wrong. I am a traveling nurse and 3 times I have gotten stranded out of town when I know there was money in my account. I was never so humiliated when after purchasing gas, I went into the station and got 2 donuts and a milk. The transaction was only $2.?? and my card was declined. I do not carry cash on me and use the debit card all the time because that is where my paycheck is deposited. I was never so embarrassed in my life. I make $24/hour and I can't even pay for a stinking $2.00 transaction when the money was truly there.

On Wednesday, Dec. 4th, 2013, I tried to purchase an airline ticket over the phone from Southwest Airlines, to leave on Friday, Dec. 6, 2013, so my Mother could attend our family member's funeral on the following Saturday. The ticket reservation was made and the cost of the ticket was $639.60. We proceeded to purchase the ticket, but my debit card was declined for some unknown reason. I had no idea why it was declined because there was more than enough sufficient funds available in that account with no pending payments. So we tried to run it again immediately, and again the next day on Dec. 5th and once again. At this time I was very concerned and frustrated.

I have had US Bank for the past 6 years or so and I have always had great experiences with them, both online and in the bank. I have always enjoyed how nice and helpful they are but it was not until recently that I real felt the need to write a review email for them. They are helping me handle a problem I have with my old CC company who I no longer bank with that I accidently sent a check to through my online account. After getting the runaround for 3 days with my old CC company I called US Bank and they were quick to get on the phone with me and take hold of the situation without giving me a hard time or making excuses. I really appreciate them especially since I know how bad banks and CC can be.

I cannot believe how terribly this bank has treated me over the years. The bank has the worst customer service and uses several tactics in order to maximize profit and crush those who use the bank's services. I received a late fee after making my monthly payment because the payment was short $40. The late fee was $50. That's $10 more than the payment was short. I was never notified that the payment was short. You think someone would do this as a courtesy for their customer, especially if you are already making tons of money off of their loan.

I wanted to open a US Bank account so I would have a local branch to deposit my checks in. I've been with Capitol One 360 for about 7 years and love them. After using US Bank for 3 weeks I've discovered that they will screw you for $36 on an "insufficient funds" charge, which Capitol One 360 has NEVER done. As in, NO charges or penalties for insufficient funds at Capitol One. I've never been assessed any "fees" like this however US Bank excels in "fees" with their customers. They charge .50 per electronically deposited check, Capitol One 360 is free. US Bank charges a percentage if you want to transfer money to another individual, Capitol One 360 is free. US Bank's website sucks and was apparently coded by a 10 year old for a school project.

So today I tried to call and make a pmt on some late charges that occurred. Every time we call its always rude people and terrible customer service. So since my name wasn't on the account I couldn't make a pmt to my husband's account. Even though we have been married a very long time, and our name is on everything else but the house (just haven't made the time to change it).

I recently PCS'd (Permanent Change of Station) to Japan. As soon as I arrived, I changed my mailing address online to my new, overseas address. For obvious reasons, there are no branches in the local area. During a rainstorm, I lost my check card. I called US BANK immediately and cancelled the card, no problem. I then asked them to send me a replacement card. Shouldn't be too much of a concern. I have a few checks I can use for emergency expenses until it arrives. Or so I thought. While on the phone with US BANK, I was informed that my account still reflected my stateside address as the only valid mailing address on my account. When I informed them that I no longer had access to that address, they said the only way to make the change to my address on record was to physically go to a branch and present proper ID.

I have had a checking account with US bank for several years. Originally I had an account with Downey Savings for approximately 5 years. Then they were bought out by US Bank over 8 years ago. I originally opened this account in California and moved to Hawaii where there are no branches 8 years ago. I left this account open for the last 8 years since we moved because I receive very occasional child support payments through that account. It was a free checking account that I never had monthly fees for. They have never given me a hard time because of the infrequent deposits or low balances kept in the account. I check this account online once a month or so to check for payments, as there is no branch on the island I live on.

US Bank Home Mortgage is stringing people along and not really modifying loans! They will ask for the same paperwork over and over and ask for things that aren't even related to the type of modification you are asking for and then claim they don't have a complete package. Meanwhile you are turning everything and more that they ask for in far before deadlines... Then boom, sneak foreclosure lawsuit. They are not supposed to be bringing foreclosure action against you while your file is being reviewed for HAMP or HAFA. This is a federal regulation! Somehow they are breaking laws and disregarding federal regulations and still flying under the radar.

I'm a long time US Bank customer. I recently applied for a home loan.The teller girl told me all kinds of Great Things about US Bank Home Loan Officers and how wonderful they are to work with. She, also said how great the rates are and how positive customer service these loan dudes provide. I contacted JD and Ryan who told me to have last two years of Tax Returns along with 20% deposit ready. I also submitted my pay stubs and bank statements as they asked. Two weeks went by, no answer. I called, no answer. I left messages and they didn't return phone calls for another month and half. JD calls and says," Sorry we can't help ya." Wishes me great day and hangs up.

About a year ago I needed a home equity loan. I was referred to U.S. Bank by a mortgage broker who said they had the best rates and great customer service. So I applied at a local branch. I filled out the application and gave it to the loan manager. After a week of no response I left messages. Since I was not in a hurry I waited patiently for a call back. After 4 weeks I finally got a call from the loan manager who apologized that he was out because his wife had a baby. I guess he is the only one that could process my application??? It took several more weeks till I had the loan paid out. I found out a week later that other banks had much better rates (bad on me to trust the loan manager that insisted they had the best rates), so I contacted the loan manager and he told me that it was too late. I was locked in for 3 years or would have to pay a $420 penalty. However I could avoid this if I opened an investment of over $26,000.

US Bank Wayzata, Branch Manager Ryan ** are illegally holding money based on a data error provided to them by another bank. This error, that the social security number used on the account was that of a 67-year-old deceased woman, was proven to be false by submitting official documentation from the social security administration. Even after proof was submitted that said social security number was valid and legitimate and that the bank made a huge mistake, US Bank Wayzata and Ryan ** continue to hold funds, provide no information, and treat customers as criminals.

Unfortunately, I had to get a US Bank checking account to receive money from my ex. So I received my Visa debit card in the mail and when I go to call and activate the card, I am transferred to a representative who tells me the card was closed and so was my temporary debit card. I was completely flabbergasted and asked why my cards were closed and they told me they didn't know why and that I would have to call the branch. I call the branch and she tells me because my account was negative for 2 days, she closed my cards! I have banked with Chase for years and there have been a couple times when I went negative and they never closed my cards. Then she proceeds to tell me that she can just open my card back up, so she supposedly opens it back up, I try to use it at an ATM and it tells me my card is invalid.

In May of 2013, I opened a checking account at US Bank for direct deposit for my payroll checks. The customer pricing information pamphlet that was given along with my contract with US Bank was "Waive Monthly Maintenance Fee for combined direct deposit totaling $500+." In July, when I got my monthly statement, I found that they had deducted $8.95 listed as "Other Withdrawals". After speaking with more than 4 different US Bank employees in person, I was unable to get them to put my money that THEY STOLE back into my account.

I am so upset with US Bank. I usually pay my bills online. When I went to pay off my car loan, they told me to send payoff to their payoff address. I sent it out in the beginning of September 2013 and was told the amount to pay and the address. I was told 3 weeks later they never received it. I then reissued another check. After 10 days, I called to check to see if they received it and they said no. I had to have a stop payment put on it again. I then was notified they did receive it but they did not post it until after I put a stop payment on it. I again called US Bank and this time, they told me to pay online. I did make a payment online. After I made the payment online, I called a representative who then told me, "You can not pay online," that they will not accept it since it is a payoff of over $9,000.00 dollars. I am so disgusted with this bank.

On 10/21/13 I was trying to redeem 3,500 reward points and inadvertently purchased 3,500 reward points that charged my account $105.00. I called US bank immediately and spoke Chris employee number **, Tammy employee number ** and many other employees that told me that I was out $105.00 because all sales are final. The value of 3,500 worthless points is $35.00. US BANK SCAMMED ME OUT OF $105.00. NEVER USE THIS BANK UNDER ANY CIRCUMSTANCE!!! INTERNAL FRAUD!!!

I am a 40 customer of US Bank. I had an equity line of credit on my condo with US Bank and my mortgage with Bank of America. In June of 2013, US Bank solicited me to move my mortgage to them because I had the equity line of credit with them for the past 14 years. They told me it would be a seamless process and I could keep my equity line in place. I live in an 8 unit condo projects built in 1980 in one of the better areas of Kirkland, WA.

I have been a US Bank customer for close to 15 years (ever since they bought out FirstStar Bank) and have held a free checking account. Due to recent changes in US Bank's policies, I am now being charged an $8.95 a month "maintenance fee". I went to my local branch to ask why this was happening and was told that my account no longer fit the direct deposit/balance guidelines of $1000/$1500. I had recently been laid off from my long time job and no longer receive direct deposits. Although I am looking for a full-time job, my current job is part-time and is not direct deposit. The teller seemed sympathetic to my complaints but offered no real solution.

I opened a business checking account with a local Tucson US Bank branch. I applied for a business loan. I was well financed and requested less money than I had on deposit. The bank manager called me and told me my loan was rejected because of a 10 year old bankruptcy. The loan had been pre-filtered and although I have had excellent credit since the bankruptcy, it was no use to discuss this with them. I had to file a complaint with the consumer finance government helpline at www.consumerfinance.gov to get an answer from US Bank. When they finally responded, they said that they never give a loan to an individual or business that has ever filed a bankruptcy. Never! There is no point for me to do any sort of business with them as they won't give me a credit card or line of credit no matter how much cash I have in their bank.

This is not the first time I have tried to file a complaint or tried to find out who I would file a complaint to at US Bank. I still haven't been able to get that information from anyone at US Bank. The first time it happened, it cost me over $700.00 and it was their mistake but it was a joint account and the other person on the account, who was married, did not know what to do. She got nervous and paid the money for overdraft fees as she did not want her husband to get upset with her. She knew that we had overdraft protection on the account as I did also. She was not able to get a hold of me and they convinced her to pay them the money as it was getting higher and higher daily! When I got back into town and she told me what happened, I gave her the money back but they had fired the whole branch and gave me the runaround since they had gotten the money from my friend. It was never resolved.

I had a three year lease on a Jeep. Paid the entire 3 year lease arrangement at the time of lease. At end of lease, took car to reputable mechanic and was given an estimate of $900 to fix all obvious evidence of "excessive wear and tear" and $1100 for the scratches that might go beyond things that happen with "normal use". I paid the $1100 because I didn't want any hassles. The US Bank people sent a person out who found all sorts of surface "scratches" that didn't go through the paint. They charged me $400. The people on the phone said I had no way to appeal under their contract. All I could do is pay it and request a refund of up to 25 percent. I also was charged $395 "end of lease fee". I would rather walk to Siberia and back in the freezing cold than lease another car under US Bank.

I have banked with US Bank for 10 years. I was active with this account for the first 7 and the last 3 years it has been sitting with about 10 dollars in it. I only kept it open in case of an emergency. For instance if I needed to borrow money from anyone in my family they could easily get to the account from anywhere in the country. So in August of this year I had a family emergency where I needed to borrow a good amount of money and I needed it fast so I had to have cash deposited so it would be immediately available. My uncle drove a US Bank in California and deposited the money into my account as well as filling out all the proper tax forms to make everything legal.

US Bank does not protect its consumers. Even when I obtained a written statement by the company I filed a dispute with stating that they would refund my money (and never did), I provided this information to US Bank at the beginning of my dispute and they (US Bank) STILL would not refund my money. Yes, that's right. Even with written proof that I would be refunded by the company I filed a dispute with - they would not give me my money back. You have NO PROTECTION using US Bank's credit/debit card. They will not protect your purchases. Period.

I did a voluntary repo on a car. They sold the car at a local auction. After selling the car for the amount they got, they sold account to a collection agency who states I only owe 8,000 and some change but US Bank is reporting I owe on my credit 14,000 and it is the wrong amount. Reporting incorrect information.

About 2 years ago, my husband purchased a car and the loan was through US bank. Several months later, I purchased his car from him through US Bank and they charged us sales tax again the vehicle. We questioned this at the time of obtaining the loan and the loan officer said we had to pay sales tax again at that point. We almost walked out of the bank but decided we would just go ahead with the loan.

I have recently received a card in the mail stating there is a class action lawsuit against this bank for the fraudulent way they rearrange transactions to better their amount of overdraft fees. I own my own Business, and used that bank as my primary. For some reason I kept getting charged even though I had receipts to prove I was positive. The bank told me, and I quote, "The transactions on your end will always look different as our screen does not show what your receipts show." Money kept disappearing from my account. First $20, then $40, then $100 increments. I brought bank receipts in and they "could not find" my money. They had no idea where it went and refused to reimburse me.

US Bank assisted a wire transfer with Western Union, $1,700.00. When it was alerted to the US Bank and Western Union it was fraudulent - THEY DID NOTHING. Will not assist, will not help. If you want to be screwed - go to US Bank - Clackamas, Oregon Branch and utilize their services. The Manager, **, is especially helpful in DOING ABSOLUTELY NOTHING to help and her customer service is negative 100 on a scale of 1-10.

We had PFF Bank & Trust over twenty-two years until they were taken over by the FDIC. U.S. Bank acquired the assets/liabilities and, at first, I was glad. However, within the first year U.S. Bank had changed our Money Market CHECKING account into a SAVINGS account. This made our withdrawals subject to "Regulation D" (limits on withdrawals and transfers from savings accounts). Since they gradually changed their statements we didn't notice until I was in a branch and told about it. I asked for documentation about their notification but they could not provide anything. I withdrew 60% of the money that was in that account and deposited it elsewhere.

US Bank was waiving my monthly checking account fee of $6.95 as I had an automatic transfer of $25 from checking to savings. Apparently starting August, they no longer waive your fee for the $25 checking to savings transfer. I was not made aware of this, so I called the customer representative. The rep was no help and was very obviously reading off of a script.

I wanted to pay off a high interest credit line with US Bank. I had my Discover Card at 0% to send the payment check US Bank. Almost 3 weeks later, they said they never received the check. I told them I didn't believe them. I told them I knew they were holding my payoff so they could continue charging the high interest. They said I had no evidence or proof of that. After over 3 weeks, miraculously, the check appeared. By this time, we had to put a stop payment on the check because so much time had passed. I had Discover send a replacement check on 8-13-2013. They did receive that one 9 days on 8-22-2013 and said they would need to place a hold on the check until it cleared.

I have went to US BANK to cash my check. Its $2500 and the teller said sorry, she can't cash it because it’s Saturday and don't have available balance. She only can give me $500.

I have Bank of America and switch it to US BANK since the area I moved is not having my bank. With Bank of America I can transfer 100 times a month I never get charged anything. With US Bank for every little pay I transfer I get charged. Also the customer service is too poor, never help. They don't know what are they doing. I have once IRS send me a check with my middle name match on my passport and driver license I deposit in to the bank. They return it because it don't match with my last name, what kind of bank does this? Please US Bank, shut your back and let Wells Fargo and Bank of America do their business.

US Bank has officially stolen $216 from me charging overdraft fees when there was no overdraft!!! I requested they reverse the overdraft fees and here is their response via email:

I rate them at Zero Stars!! This is the worst customer service that I have ever seen. I have not received the same answer from any two people in this company. However, they do have the policy down of waiting 15 business days to do anything for you because this is their answer to everything. My insurance sent me a check to fix my car after I hit a deer. I had to send the check to US Bank to get endorsed so I could pay the body shop. They have had the check for a month and no one can tell me when I will get my money. And yes it is past the 15 day answer for everything.

In the beginning everything was fine, then about three months later they start charging a maintenance fee without informing me. Also the account was to be paperless and opt out of sharing info, which they don't understand either concept. This being noted I became overdrawn due to fees uninformed about. Got that problem solved and then they tell me I have to get a secured credit card with someone else to keep my checking account. I’m not going to, I see no reason why any person should have to pay some company their money they worked for. Filed a complaint with the BBB which turned out to be a waste of time. Now just received letter saying they’re going to block me from opening an account with any other financial institution. I don't believe this can be legal and should hope my post here will prove just how crooked this company IS.

I closed my account with US Bank over 7 years ago and will never do business with them EVER again. I am banking with 2 other banks and have no issues or problems like the one I had with US bank. My situation at the time was I had my small VA check deposited into my US Bank account and also paid my AOL account through this account but I really used my other 2 accounts to handle day to day personal business so I was unfortunately not on top of US Bank and their practices.

The incident occurred at 4100 Newport Pl Dr #100, Newport Beach, CA. The transaction was, transfer money via Western Union, via this branch. The clerk named ** was in charge to assist. The amount was significant and he had to take the approval. After 15 minutes waiting, he returned, claimed approved and started the procedure. He then suddenly received a call from the manager. Call finished, he placed a statement that the system went down and cannot proceed longer. He also mentioned that I can return tomorrow and by that time, the system will be up.

US BANK was on campus at San Diego State University. They told me their debit card was needed to be able to use the copiers and other services in the library. I opened an account with the representative and an overdraft account. I never used the card nor the overdraft a single time, ever. Later, they started to send me statements that said I owed them money. They started to charge me $2 statement fees. Then I told them to close my account and waive all fees. I thought this was all taken care of. Next they started calling me to tell me I owed them $30. $20 late fee and a $10 overdraft to pay for the statement fees. You have got to be kidding me? Do not use this bank!

I have been a solid customer of US Bank for 3 years and am approaching the end of my lease. I called for a pay off so that I could trade in my car and buy a new one and was given the number that had to be paid. The dealer I went to for the new cars said they would pay the amount asked less $600, which I was obviously going to have to pay. I was transparent with US Bank and told them about the mileage overage when I got the pay off. However, US BANK would not accept the payment from the dealer for the amount they told me was the pay off. They said "You should have read the fine print. We have the right not to accept that from anyone but you personally, and we can charge whatever we want." Now, they will take the car back (even though I had a dealer willing to pay the price they wanted for the pay off) then present me with a bill for the overage.

Two years ago my mother (who has Alzheimer’s) opened an account at US Bank just to cash a $50 check even though she has an account with Bank of America. The account has never, and I mean absolutely never, been used, no activity whatsoever. My mother is now at the stage where she can't write her own name to cancel the account so I am getting monthly statements from US Bank. I have tried everything to get them to cancel the account but they want papers from the trust which I refuse to give them, they are not my bank. The only other solution is for her to die then I can give them a death certificate. I mean really, no activity for two plus years and they refuse to cancel that account? What a horrible bank.

So I open the "Veterans" checking account which is a platinum level with no fees. I deposited a check from an online sale to a good standings and reviewed buyer. Also called issuing bank funds were available. What I didn't know was purchaser was reusing checks and old check 3's. Check came back as fraudulent. I do not use card everyday, so about 5-6 days later filling up my car the debit card is declined. I call find out they had closed account 3 days earlier for suspicion of fraud. GEE NO CRAP. Really? SO THEY know it is bad check, BUT US Bank never called the inform the police or me!!! So I go to file police report and have to wait 2 weeks to do so, because it was not reported by the bank and it has to be given 2 weeks by law to fund the check... except check is fraudulent... but not reported by US Bank AT ALL.

As a US Army Vet, I signed up with USB for their free Military-checking account services. This became very quickly an avenue for them to begin trying to sell me services and debit my account for a myriad of charges. They even requested I open a new checking account in order to package my savings and checking. When I did, and transferred the balance to the new account, they began to charge the old account a series of overdraft fees they demanded I pay since I, at their request, transferred the funds into the new account! I am now in the process of closing every USB account I have and will never do any business with these scam artists again. The acronym USB should stand for several other "very negative references", and not at all for good and honest business in the United States of America.

My car was leased under US Bank. When I moved last year, I updated my address on my license and also updated my address with USB. USB has been sending statement to my new address. But USB failed to update my address with DMV and failed to advise me that they could send me a POA (power of attorney) to go to DMV to change my address myself. We have citations that were past due from 6 months that I just found out last week when DMV tracked me down. I paid the citations then found out that there were late fees. I called DMV and they told me that the leasing company was responsible to change their address since they are the owner. DMV told me to escalate the issue with USB and have them pay the late fee.

This is comical. I got paid last Friday and paid a few bills - including a car payment. Through the weekend, that car payment WAS reflected in my balance (both online, and by calling the 800 number). Today, I logged in to my account online to check my balance, and that car payment is nowhere to be found. It's as if that $150 payment never existed, which is weird, because again... when I made that payment last week, it WAS reflected in my US Bank balance immediately. I thought it was maybe a glitch with their server, so I called the 800 number to check my balance that way - SAME BALANCE (which doesn't reflect the recent car payment).

US BANK WILL SCREW YOU ON THEIR CASH+ VISA CARD. This should be a warning to potential new customers and existing customers who apply or currently use the CASH PLUS Visa card from US Bank. They screwed us out of $200 in rewards because of a technicality with their website. We are so upset; we are now looking for another bank as well as cancelling their credit card. We received the US Bank Visa card about 2 months ago. It is a card where you select categories online that you want 5% cash back (two categories) and 2% cash back (one category). Every other category is 1%. Right, it is confusing to remember this crap even if it does work as you expect.

I am looking to issue a formal complaint regarding your Loss Mitigation department. I have issued at least 3 loss mitigation packages to US Bank over the course of 2 years and have yet to receive a decision. I have attempted to contact Vidoria ** on several occasions. I have received many threatening letters stating that the file will be closed due to not receiving a full package. I've continually sent updated packages as I was asked. I have spoken to several different agents that have stated they do not know why the file has been closed. I am a newly-single mother and in desperate need to keep my home. I have contacted my investor to also let them know what has been transpired.

I (regretfully) have been using US Bank for over ten years, and I've had it. In addition to inappropriate comments from tellers (one teller, after I deposited my grandmother's inheritance check that she had left me to pay some college loan bills, asked if I had a rich daddy who was paying my bills for me! Others have shouted my social security number across the room and given me the wrong receipt with someone else's account info). This experience takes the cake. As a teenager, I set up an account with them. One of the defaults on the account, which was in small print and not explained to me, was that if the account went below $100, $200 would be deposited from a credit line. As a kid, I didn't pay as good attention to my account as I should have and before I knew it, I'd racked up a good amount of money in credit debt.

One fraudulent deposit was processed in my bank account by an unknown payday loan without my authorization and my permission. I contacted the fraud department of US Bank, and they replied back to me a few days later stating that they did not find any fraudulent action on my account and they closed the case. This bank is an organized mafia. How in the world did they let transactions go through to people's bank accounts without the account holder's permission? This bank should be accounting statements, employees, and business ethics should be investigated by the bank regulators. US Bank told me to fax an authorization for the money to be sent back to the company. I tried to send the fax from a UPS store locator, from home, and other fax services; the fax will not go through. I sent them a letter in the mail, and they stated that they never received it. Do not deal with this bank. It’s better to open an account with your local credit union.

I deposited my check and they notified me of the 5-day hold for verification. On day 4 of the 5, I had an emergency and needed to access some of the money. They told me that there was nothing they could do and because the 5th day lands on a Friday, I won't have the money for sure till the following Monday. When I explained my situation and told them that I would have to close the account and get the money, the banker told me there is nothing they can do now that the process has been started. I asked for his immediate supervisor and was told that this happens all the time and I would be wasting my time. He gave me the number to customer service that explained to me that the 5-day hold is not for verification (I couldn't understand why it takes 5 days to verify a check) and said that this is just what the bank does. I am frustrated beyond belief with this bank already and I have been a member for 4 days. Wells Fargo seemed more compassionate to the customers' situations.

If you deal with US Bank, you deserve what happens. They are legalized criminals. You are charged annual fees that are higher than interest paid on interest bearing accounts. If your account is not used for 30 days, they claim it dormant and take the funds. Same with your safe deposit box. They are dishonest and unethical. Employees lie. Everyone including CEO Richard Davis are so arrogant. I have even been told by Mr. **, "US Bank does what it wants. We do not care what the government says." Hopefully in my lifetime, I will see the bank fall and Mr. Davis who earns over $20 million per year will be tried for crimes against humanity. The only way they get customers is to purchase smaller banks.

The bank has been fighting me for online check for a month. They have now put the mortgage in default. We are out of the country and they have all our information. We were not notified of an increase of the loan amount. Therefore, they did not apply our last payment, sent on time and put it into limbo account. Therefore, we have yet another late charge. It is so funny that they will risk thousands of interest as we will refinance this loan. What stupidity! I asked for the address of the President/CEO of the mortgage branch and they WOULD NOT GIVE IT TO ME. So I will go to the FDIC and refinance as these are the biggest crooks in the world. I also have influence in the lending world and will NEVER refer any client to this bank.

A few years ago, I had an account with US Bank. I notified them that I was closing my account and would like them to deposit the money ($25.00) that I had earned from using my debit card. I figured out how much money I would then have and made two purchases... one for a drink or something and the other for gasoline. After those two, I would have a balance of over $3.00 left in my account. My account was closed (I thought), and I went on about my business.

I am a single senior citizen and live on a fixed income. I had an overdraft of $.31 (you read it right - 31 cents) the middle of May. I have received nothing in the mail and to the best of my knowledge, my account balance was a couple of dollars. Evidently, I was charged a $35 overdraft fee which the bank automatically removed. Six days later, they charged me $25 overdraft fees. Seven days after that, the bank charged me another $25 in overdraft fees. They charged me $50 in overdraft fees for an account that was 31 cents over!!!

We have our mortgage through US Bank. Their website is abysmal. It won't allow the use of special characters in your password, which is serious amateur hour from an online security standpoint, and means that the password I have to use must follow a different pattern than every other site I do business with. This is a real issue due to their site locking you out after only a few incorrect attempts, requiring you to then CALL their customer service during Central time banker's hours in order to get a reset. They then reset your password to 'abc123' until you log-in to change it, which is also an extremely bush league security practice.

I am a student and I had a relocation card from the company I interned through US Bank. They had informed that there would be 3% charges for any cash withdrawal through the card. After 6 months, when I called the customer care, they informed me that there are no charges for the cash withdrawal for my card. I was happy but still doubtful, so I called them thrice just to make sure that I won't be charged, and every time, I was told that I can go ahead and withdraw without any extra charges.

Got an RV loan that was bought by US Bank. Was told any amount paid above the principal monthly would apply to interest. Not so. After a year, they said no payment was due. We had paid ahead 6 months. Would they credit my principal amount to the loan? No way. I would have had to send principal payments to a different address. Then when I paid down my principal to sell the vehicle, they could not credit my loan with the cash American money payment for 24 hours because of bank policy (probably to charge me an extra day interest on the amount).

I have been receiving calls from a collection agency about an outstanding balance from 2008. I closed my account back in 2008 because I moved. They wrote me a check for my account balance, around $1000. I explained to them that the only reason I was closing the account was because I was moving the next day, and would be located closer to a different bank. I was never told about any pending charges, never told to watch for pending charges - as I didn't know there were any. US Bank has been "sending letters" to the address that I moved from for years, and I have never been made aware of an outstanding balance.

I have nothing but bad experiences with US Bank. I'll start with their rude, unhelpful staff. My first time is when I asked for my account number from the teller. The man scoffed and wrote it for me on a piece of scratch paper. Then about a month later, I deposited my check into my account and once I went to use my card, it said I didn't have funds. I drove back to figure out why it wasn't in my account. They had no proof I had even deposited it! I had to dig through my trash, my car and basically anywhere it could be to show them the only proof I had left.

I had used US Bank for about 3 or 4 years and that's all I needed. What finally crossed the line for me wasn't their overly rude employees or the bank's overall poor communication, but their astronomically high fees. I finally ended my bank account this year when I had had enough with the fees. My first instance is when I had gone over the amount of money I had in my account by a dollar. Keep in mind I had no idea I had gone over my amount. And in a week and half's time, my fees were almost at 200 dollars.

For the past year, I have been going back and forth with the credit bureaus due to identity theft. I had received calls to my home from scammers trying to get money from me. I received a call today, 05/10/2013, from a legit company named CF Group & Associates. It seems that a bank account was opened up in my name at US Bank, and was closed for $750 in overdraft fees. CF Group told me that they had sent information to my home regarding this; however, I never received any mail. They also told me that if I didn't get it paid by 05/13/2013, then US Bank was going to file a civil suit against me and charge me for the court costs.

This has to be one of the worst banks ever. The teller staff at my branch is arrogant, rude and very dismissive. If you have a question and need help, don't even bother the staff. They will let you know they are not interested and give a very condescending answer, if they give one at all with lots of rolling of eyes and shrugging of shoulders. They claim "relationship banking" but that is only for customers with millions in their accounts. For the average customer, it is a bank used to charging very high fees and even higher interest rates. It is a horrible bank, don't even bother.

In April 2012, I bought a car and was in US Bank Spring Hill, TN branch. As we were doing the loan and paperwork, the banker insisted I open a credit card. I did not want or need a credit card but he kept insisting. I took the Flex Perks Credit card with a $4,000 limit. I was told or misinformed that there had be no interest charges and I could use the card for purchases and cash advancements with no fees added. What a lie! From April to August, I used the card and charged a total of $3,958. In nine payments, I paid back $1,071.21 by calling each time to see what amount I owed. In Jan., Feb. and March 2013, I asked for an itemized statement as statements were not sent timely. I've had to call to see what amount I owed each month. Finally, after three months on March 25th, US Bank sent me an itemized statement. I almost had a heart attack to see the astronomical charges added to this mere $4,000 card. I still owe $3,801.58 and probably more by now.

Our firm assists borrowers who cannot keep their properties due to honest financial difficulties due to medical reasons, loss of employment, underemployment and military deployment/relocation orders with the short sale process. We have assisted hundreds of borrowers with this process and have negotiated with most lenders. In a perfect world, all lenders would be equal in the commitment to serve their customers including those in need. Government created programs (HAP, HAMP, etc.) have helped streamline the process and create parameters with which to qualify those in real need. US Bank is the bottom of the barrel when it comes to customer service, responsiveness, service in a timely and efficient manner and effectiveness.

In the fall 2012, I noticed that my bank account had gone from around $3,500 to $0 and they claim I owe $1,500 on my reserve line of credit. I had no activity on the account except for money going to the reserve line of credit for payments on supposed overdrafts. How can one have overdraft when you have money sitting in the bank? No one at any number I have called can help. One person even told me that I owed $600 as soon as I opened my bank account. How can you be $600 in the hole to accompany you've never done business with before?

Since the economic crisis and being sued by Discover card (they levy my bank account), I've had to cash checks from customers. I have been turned away twice at US Bank. One check from a customer was a line of credit they even called and still would not cash it. The second time, the amount of the check was $469 and could not get the customer on the phone and would not cash. It's just stressful. You work hard to give someone a tangible service. The people are happy and you can't cash their check. They want you to open up an account. I'll give $5 to cash a check, but I'll never open an account at US Bank.

We banked with US Bank for about 28 years. We had checking accounts, saving accounts, an IRA and a credit card. We loved US Bank because when we opened our account, it was a small local bank in Portland, Oregon. We were extremely satisfied with our banking experience. Everyone was always very nice and helpful and issues could be resolved at the local level. Then the trouble came in the form of being bought out by a corporate giant based out of Minneapolis.

I have had an auto loan with US Bank since 2009 and paid every payment on time. US Bank has granted me an interest rate of over 18%. I have not raised any issues with this until now. I recently applied for an interest rate reduction through the SCRA and was denied because my debt was incurred during and not prior to my service. I would be okay with this if it was equal across the board but it's not. I've been told from other service members that they had been approved and in fact other financial institutions grant the reduction regardless of when the debt was incurred. I have already paid the amount that was taken out for the loan so where is the risk? How could it possibly harm US Bank to grant this reduction? It would not; I feel wronged and feel that this opportunity is not equally shared with members of the same status. I will not use US Bank for any other services if not for this, then for the customer service. I advised US Bank not to thank me for my service. These are only words. The true gratitude was disregarded.

US Bank sent me a 30-year TILA and GFE, and three weeks later at the closing, switched it to an 18-month commercial construction loan! It was 15 months before they sent me a notice. I thought I had been paying a mortgage. Seven years later, it is still in litigation, - it cost me everything, and is still costing me. Shame on them!

On my ($100) Oregon State tax return check, it was written that I could cash the check at US Bank. I went there and was told that there would be a $5 charge unless I had an account there. I don't have an account anywhere. I don't have enough money for an account. Don't these people know that the only ones who are going to be paying this extra charge are the poor people? I don't think they care. What a rotten thing to do to people who are already struggling.

I had fraud happen on my account. Two different transactions went through my account without my permission by two different companies. When it happened a second time, I was advised to report as fraud and close my account. I did as advised as I did not want this to happen to my account again. The fraud team denied my claim, stating I benefited from the transaction (which I did not). It took over a week of the local bank to do their own investigation, which they didn't investigate anything because the branch manager said I gave this company my information. Again, I did not give my information.

I completed all payments on my lease - which ended on March 1, 2013. I have paid the overage charges for mileage, tax and end of lease. However, the bank keeps on sending me bills that say I still need to make payments - both monthly payments, and to complete the end of lease/mileage, etc. I have spoken to them over 5 times, even with a supervisor. They promise and promise yet still keep billing me. I am afraid that they are going to inform the credit bureaus of what they think is non-payment. It is completely reprehensible that they should behave this way. I have called and called, and they have promised and promised. They know the car in question was picked up, passed inspection and auctioned off.

I was in my iPhone making a payment of four times the amount required and early due date, which required a five-payment step process to confirm payment of $130.01. When I was closing it, I hit another button and come to find out, it tried several more times and charged my checking account twice after calling the first time. Then they tried another time after that and said they couldn't help me. They asked me to go to my bank and get a letter faxed to them. And still, I'm not getting my money back in my checking account. After all that, I looked at my charge account and they even charged me for them doing it knowing it should have been reversed.

We deposited a check, and it was not cleared on time when the money was needed. The teller is not honest when they can release the money.

They charge every time I receive a wire transfer and send me a notice through US mail. I have been telling them to remove it since last July at their branch office. You cannot remove it on their web and you have to go to their branch office, they said. I went to their office last July and they called their Cincinnati office to remove that service. I noticed that they were sending mails and charging last October. I went to their North Canton, Ohio office again. They told me that they will remove it and remove the past charges in September.

Tone deaf to PR and value of word of mouth advertising! I have had a US Bank cash + visa card with 5% cash back on bill payments for almost a year. Now, they have eliminated this category completely and have replaced it with individual categories like bookstores and sporting good stores. Really? How many book or sporting good stores are still in business now that most folks like myself do most of their shopping online and order via Amazon and others? Chalk another one up for the knucklehead accountants!

My homeowner's insurance premium is due on 04/12/13. A full month prior to that (dated 03/13/13), US Bank sent me a letter stating that they have not received a notice of renewal from my insurance company. Really?! No kidding. I wonder how many months in advance they expect me to pay it? Furthermore, the letter states that they will establish an escrow account to pay the premium on my behalf, and that it cannot be removed. This is insanely poor treatment of their customer (me), who has done nothing wrong. I will pay my homeowner's insurance premium on the day that it is due. US Bank cannot require me to pay it weeks, or months, in advance. I cannot believe that they would send out threatening letters like this to their customers, a full month before the payment is required. I guess they don't like customers. With treatment like this, they won't have to worry.

I have a credit card with US Bank. My hours were cut at work and I called to see if they could help me with payment options. They gave me to the hardship program who wanted information into a system to figure out a plan for you. I was not approved because the "system" said that I was not approved for any help for payments. I was then asked to call back, which I did. The person I spoke to said that it was too soon and I should call back but if I were to pay half of the amount, my payments would go lower than what it is at now. Not wanting to be more behind than I was, I asked my mother for help. I paid half off on Friday and called them today, Monday, to find out that it doesn't matter that I paid half and that my payments would remain the same.

Do not do business with this bank. This is absolutely the worst bank in history. On Feb. 4, 2013, I overdrew my account by $2.12. I was charged a $15 overdraft fee - okay, fair enough. On Feb. 5, 2013, I deposited $40 to cover the overdraft and the fee which left me with a balance of +$23.88. Without my knowledge, on the same day, the bank charged me with an "over-limit fee" of $25. Today, I looked at my account only to find an additional $145 in fees have been applied to the account! I called the US Bank and was basically told it was my fault and to just cover the negative balance or additional fees would be charged. They told me the $25 fee charged on Feb. 5 was an "over-limit fee" they had the right to charge because my account had been over the limit on Feb. 4.

US Bank issued me a check for annual escrow account disclosure statement. The amount of the check was $757.34 dated 3/26/12. I was unaware of the check as it was lost under my desk. That was totally my fault. The check was discovered in January of 2013 when furniture was moved. I took the check to the Bellevue Publix branch of US Bank and explained what had happened. The teller was most helpful making a copy of the check and explaining that she would give it to the main Bellevue US Bank on Monday. I gave her my contact information and asked her to notify me when it was reissued (which is what she said would need to happen).

I have had plenty of banks in my past but US Bank is by far the worst. It's a technology-driven country. One would think that a company such as US Bank would have the resources to communicate with each other. Case in point: I called over the course of 3 days to see what the pay off on my truck was. I talked with 6 associates and each one of them told me something different, not to mention, one of them said they would apply $50 credit towards my account which was verified through another co-worker. I come to find out, I went to pay the last bit of it off (over $4k) and checked the status on it, and it was saying that I still owed $50. I come to find out that jerk never applied it. I talked with the manager and he did absolutely nothing but gave me an email address to send my complaints to. We all know how those go (file 13). The point is, you have notes in a computer for a reason; it has been verified by others what the bank is going to do. I couldn't care less about the 50 bucks, but no communication between each other was very, very poor. Of the 5 years I've had the loan, I've never complained up until now. It was the first time doing business with US Bank ... and the last time.

On Friday, February 22, I called for a payoff on my son’s car and was given a payoff for 2/23 and 2/25. I went to pay it on the 23rd and was charged a higher amount. I was given a receipt, but they would not give me anything saying I paid in full. I called the 800#, and they said they could do it on Monday or Tuesday. At that time, they can fax it to the branch, and I can pick it up. The bank is closed when I go to work and when I get off. They will not let my husband pick it up because he doesn't have POA. I requested to speak to a manager; there was none. I requested a call back before 8:30am on Monday, and they cannot do that. It seems that the US Bank can't do anything. My son is in Afghanistan and wanted a copy of it being paid in full. I guess that's not going to happen. I have never paid a loan off without receiving something showing paid in full.

Why is US Bank setting up a call center to call people who have home equity lines of credit and the first question they ask is, "What's your social?" i.e. “What is your social security number?” I hung up. This is the most unprofessional call I have ever received from a bank. I am totally appalled. I consider this harassment by someone who I thought would want to keep my business.

On the 5th of October 2012, the US Bank claimed that my doctor submitted a bill to the bank, and I did not have the funds in my account! So, US Bank charged my account $35.00 on the 7th of October. I made my deposit into the account unaware of any of this. On the 10th, I had my doctor appointment which I then paid upon arrival. Later that day, I checked my account only to find all the money was gone. My doctor’s appointment was for $125.00. I had deposited approximately $350.00 on the 7th and the 8th. US Bank took it all and told me it was for fees, because they had paid the doctor on the 5th. My doctor’s office said they did not get paid or requested any money other than on the 10th, when I had my visit.

I called them at their toll free number on Jan. 26th and made two payments, one for that day and one for two weeks out. Last night, I called them and they said they have no record of my payments or calls. I asked them to pull the recorded calls and they refused. I now have no idea who has my bank information from this company and they don't seem to want to help me. Additionally, they added on more interest and late fees. I told them about how I paid them and they don't trust me and commented how I had been late before. It makes me wonder how many times this has happened to us in the last 4 years as well as other consumers. This is the only financial item that we ever go over 30 days and it seems it continually happens with them. It's very frustrating as I feel we are taken advantage of for more money.

I was the seller in this transaction, which has taken 4 1/2 months for them to tell the seller that they won't do the loan because there was no paper trail for a portion ($600) of the down payment her parents gifted her. They actually violated her parents' privacy by delving into their financial data because they gifted her the down payment. What? A local bank said they were full of crap and have now taken over the loan. I hope the buyer files a formal complaint.

This is literally the worst company I have ever dealt with and I have Time Warner Cable. I have been trying to do a refinance. It is 5 months later and we still have not closed. They have scheduled a closing date 3 different times and rescheduled it twice, and outright cancelled it the 3rd time - every time giving me a different excuse. My original loan officer was fired and my file was not transferred to anyone else. One month and dozens of phone calls and emails later, I finally got a hold of her boss who is just as useless and apathetic as my original loan officer. He gave me a half ** apology, told me he is going to fix things and then ignored my phone calls for three weeks. I called him every day and left voicemails.

Mid-January, I decided to attempt to get another secured card. I already have one with Capital One and I am very happy, so I am not sure why I thought getting another card with another bank would be a good idea. Initially, I was sent to the generic "Sorry, we can't approve you at this time" page. I never did receive any type of communication, by email or mail, about my not approved application. Apparently, for those unaware, this means something entirely different than any other bank. On February 1st, almost 3 weeks after my application, they decided they want to further review my application, and after absolutely no communication not even an email after my initial application, they took out my $300 deposit, overdrafting the account as it is my personal account for grocery money. And after being initially denied, I used that money to up my Capital One line of credit.

US Bank checked my credit 9 times in a period of 3 months. My escrow was not managed properly. I did not receive the loan products I wanted in terms of commercial vs residential or term. When I attempted to pay them off, that process went badly. They charged me a huge prepayment fee on a line of credit. The most disorganized group of individuals I have ever dealt with.

Since getting the mortgage through a broker in March of 2007, I have had nothing but trouble. Every time I receive a response from them, it is a different excuse. Now, I am told I do not have mortgage. I actually have a consumer loan with my home as collateral. I have even tried contacting their CEO at his home address. Maybe all US Bank folks should then. He may pay attention since he has an annual compensation of over $19+ million. His address is ** Minneapolis, MN 55403. Calling his executive office, customer service or any other number is a waste of time. Google his address - it will make you more angry.

I cosigned a car loan for my sister and the car was eventually totaled in Hurricane Sandy on October 30, 2012. The insurance company issued a check for the total amount, mailed the check to US Bank and as of now, it's still not completely paid off because of US Bank. Apparently, they are saying that at this point even though it's been 3 months since the hurricane, they expect it will still be another 30-60 days before the check is processed. In the meantime, I'll have to make even more car payments on a loan for a car that we no longer have. In the meantime, the insurance company wants the title, which US Bank has, so they can junk the car but I can't get it until US Bank gets off their ** and processes the check. Don't ever do business with US Bank unless you are prepared for trouble. I am now hiring a lawyer to make sure this mess is dealt with correctly.

On December 28, I left the US to travel to South Africa. Unfortunately, during my trip, I lost my credit card but to make matters worse, this was just after I had transferred an amount of $20,000 from my Capital One account. Now, several days later and several hours on the phone at my expense, I have been calling to the US to the US Bank to get this sorted out only to find that my account has been frozen and that US Bank has decided unilaterally not to issue a replacement card or to allow me to return my money to the bank from which it was paid! This is theft and holding my assets hostage and I intend to sue US Bank.

I tried to refinance for over 3 months. I have a credit rating of over 800 and have never had trouble with any other bank. I submitted my paperwork 2 times and got shuffled from person to person. They would wait 2 weeks between needing something else and contacting me. I submitted over 2 pounds of paperwork. After my lock-in rate expired and they started over asking me for the same paperwork again, I just couldn't deal with them anymore and paid off the loan - which took me 2 hours and 2 trips to my local US Bank to give them the money.

I had mortgage from US bank. I got a notice that they sent me a refund check a year ago, but I never received it. I called them and had them apply the refund to my mortgage. There was a processing fee of $15 or $18. Recently, I just paid off my loan 3 months ago (through refinance from another bank). They should send me a refund check. Again, I never received it and customer service person said they never got the returned check either. Is it a coincidence? Two times do make me think that is a little trick for them to make some extra money. I got other mails from US Bank, but why just the refund checks got lost? And they never got the checks returned to them. I called in, they reissued the check, I requested they mail it to another address and one week passed, I am still waiting.

2012 Volvo's, $1800 90-day incentive was offered with the condition the auto is financed at a hideous interest rate through US Bank. After several attempts to participate with my own financier, I was told the only way to participate was via US Bank. I was assured by both the dealership and US Bank this loan could be refinanced once the 3-month $1800 incentive program had been satisfied. When I received the first statement showing a lump sum principal payment of $1800, I called US Bank to see if I had to wait the 4 months to refinance the loan.

System is never working. I called US Bank to get it fixed. It worked for one day and then same log in and password. The system's down, locks out or tells you to try again later - just unreliable and doesn't work.

I was given an expense check for a job I was doing. It was written on a US Bank account. When I arrived at the branch, I was told that I would be charged $5 to cash the check and that was how the account was set up. "Fine," I said but I would require a receipt as I would need to submit it for reimbursement. The teller kept saying that she couldn't give a receipt and that was reiterated by the branch manager. I was dumbfounded! I proceeded to pull up the law requiring all businesses to provide a receipt and showed it to them. They responded by asking me to step aside while they helped other customers. I refused, insisting that they give a receipt for the $5 they took from me. Finally, the teller handwrote a ghetto-looking receipt which I will have to turn in to my client! They're a bank, for god's sake! The whole experience was shocking and ridiculous!

I applied to refinance my mortgage with US Bank. The rate offered was to include closing costs. US Bank then switched the rate to a higher rate. The old "bait and switch" tactics. They refused to provide an appraisal of my house. Lie and deny.

Can you believe U.S. Bank actually pretends to encourage customers to use paper-free options and then tries to charge a $3.50 fee for an online payment? You have got be kidding me with these clowns? I am going to go back to paper and then pay through my own bank's free bill pay service so they can pay to send me paper and then pay to process my transaction via a mailed check as well. Ridiculous! Too bad this kind of thing isn't illegal and is once again an example on how the consumer gets screwed by your loan getting resold to another lender who has different payments terms than your original lender! It really should be illegal as that isn't the service level you signed up for when you had your loan originated, and you had no way of knowing this!

This bank has the worst website and the worst customer service! It's a total waste of time, antiquated cumbersome website that asks idiotic questions and logs you out for no reason even if your answers are correct. If you call them, expect to be booted from one to another endless times, because the reps don't know the answers and keep "transferring" you with long waiting times. Pathetic! Time wasters!

I could go on and on, but after reading previous posters’ red tape fiasco with US Bank's Loss Draft department, they pretty much sum it up. Pray you never have any sort of insurance claim while they service your mortgage. We had a hot water line leak in the plumbing in the wall behind the kitchen sink on December 4th. After turning off the water, vacuuming up the water and drying it out beneath the cabinets, we waited 24 hours for an adjuster to contact us. Then, we waited two additional days for her to come out and inspect the property. (We have three children between ages 2-17.) We then waited seven additional days to get a copy of the adjuster's estimate and then another five days for the insurance check.

US Bank closed my account without warning or reason - very soon after I had paid my annual fee. They refuse to refund the fee and they stole my frequent flyer miles. Apparently, they have the right to close accounts at any time - even if the annual fee is paid. My only interpretation is that I didn't use the account enough for them and they wanted to steal back my frequent flyer miles. Do not use US Bank - they are fraudulent and their customer service is horrible.

My wife and I bought our home four years ago and had our mortgage turned over to US Bank within three months. What a joke. In 2010, I was laid off and out of work for almost four months. We were only behind two months and tried to make a single month payment. They would not accept it, only if it was in full. My wife applied for a loan modification and went back and forth with them for over five months. We sent certified copies of what they asked for. They received and signed for it then we were told we never sent it even though we had copies of signatures. We kept getting bounced around from one operator to the next, had to re-tell our story, called liars and so on.

US bank is a scam! There are more fees and hidden costs than any bank that I have ever dealt with! Definitely the worst bank I know of! I just closed my account and will no longer be doing any of my savings with them!

I have had a high limit credit and bank account with US Bank for many years. In August 2012, a statement mailed to my address was apparently returned to them. I made this payment regardless because I always pay online. I received my September and October statements and continued to make all payments (online) on time. I have never been late ever. In November 2012, my card expired and I did not get a new one. I use it rarely (though I carry a high balance, I use this card for travel) so I did not notice until December.

One-star rating is too good for this mortgage lender - My husband built our home and we moved in Nov 2005. It took us almost 8 months. We hired some subcontractors but for the most part, we did the work ourselves allowing us to save on labor and were able to put in better grade hardware, fixtures, flooring, etc. On Dec 3, 2012, we had water damage from a defective water supply line for a toilet - 1500 gallons of water spilled out into our home. We contacted our State Farm agent and were able to get ServPro to our house a couple of hours later. By 1am, we had 22 air circulators going and 4 dehumidifiers running in various areas of the house. Water ran down the heat register vent into the heat pump and backed up spilling out of return air vent downstairs. The basement had 2 inches of water and the drain was doing its best to pull water out. It was about 37 degrees that night and no heat, due to the heat pump being "fried". We were going to need to get that repaired ASAP.

My very good friend lost $28,000 banking with US Bank. My friend had an account here and his checks were stolen. The bank cashed 50 checks without proper ID and refuses to reimburse him his money. If you live in Colorado and US Bank screwed you over, we'd love to know especially if they let you lose money and will not accept any responsibility. Together we could make so much more of an impact. We are mounting evidence that says they don't do business fairly and do not care about their depositors.

The Worst Mortgage Servicer - I can't stand US Bank! It takes forever to maneuver through their automated phone system. Their website asks for several security questions just to make your payment. They charge you fees for everything, even paying online. They take the taxes out of your escrow a month ahead of time but do not send the payment until it is due. When you pay off your loan, they take out an extra payment of mortgage insurance.

I will never use US Bank for lease or any other services. Charging $495 for terminating your lease is absurd. Charging $125 plus sales tax for a wheel cover with a minor scratch on it is absurd. I made all payments complete and in a timely manner. I turned in my leased vehicle in fantastic condition with new brakes, a remote car starter that was purchased out of pocket, and with 6,000 miles under. US Bank charged me almost $700 in return for being a good customer. US Bank is nothing but greedy and will rip off as many people as they can. I never thought anyone could be worse than GMAC, but I was wrong. My experience with US Bank was horrible. Lesson learned.

We went to refinance a mortgage loan through US Bank. We were told it would take 90 days. It's been 7 months! Every time we call, we get the standard company lines and no help. We have had to fax them things several times that we already faxed them. They lose things, take forever to return a call, bounce the loan back and forth several times to departments because of errors, and lack any empathy whatsoever. I doubt this will close by the end of 2012. Do not do business with US Bank if you know what's good for you.

My daughter-in-law applied for a secret shopper job which turned out to be a scam. When she realized what it was, she had already deposited the check in her account at US Bank. But she did not wire the money to Mr. Shopper like she was asked to do. Instead, she called the bank and explained she thought the check was fraudulent. They told her not to worry they wouldn't let it go through. Then Friday, when my son's payroll check was deposited, which was for twice that amount, they closed his account because she was a signer on his account and they will not let him have any of his money. They have two teenagers to feed and clothe and it's Christmas time. He called them today and they said he would get his cashier's check maybe early next week. That is totally unfair. Merry Christmas, US Bank. You'll never get my business. You're making interest on a family's suffering. You hold money that's not yours for two weeks and make a family suffer. No conscience and maybe not ethical.

First off, my grandmother co-signed a rather large loan for, also a credit card. I am the one who made all the charges and used the loan. Yes, I signed the papers for the loan and credit cards. I never received a monthly statement. So months went by, and my 85-year-old grandmother tells me the bank is harassing her because they are not getting paid. So, I tried to talk to the bank. And keep in mind that my address, not my grandmother's, was never provided for billing purposes, only credit purposes. They will not talk to me, because the loan officer or someone at US Bank screwed up and left me off the account. How they put my name on the credit card and will not talk to me because I am not on the account gets me.

I have had an account with US Bank for over twenty years. I have been in Florida for about three months working and there are no US Banks here, not even an ATM that I can use to make a deposit. Today I opened my online statement, just to check and make sure everything was okay on an account I use only once a month for a direct payment. I found that an old direct payment had come out of the account. I was a total of .69 cents overdrawn for about three weeks before I noticed. They charged me $75 in overdraft fees without sending me any notice whatsoever that I was overdrawn. I thought this is ridiculous, so I sent them a letter explaining what had happened and asking them to reduce the fees to just a single $25 fee for the overdraft - something they did the last time I had a problem about 15 years ago. They refused and sent me a link to their policy. $75.00 for a .69 mistake. Does that seem reasonable to anyone? We are US Bank. We don't have to care.

Last month (November 2012), I accepted a job as a "Mystery Shopper". I received a check in the mail for $1,290. I contacted the supposed employer and they gave me instructions on how to spend the money and send reports to them. I then deposited the check and waited for it to clear. Once the check cleared, I called the company to advise them. They advised me to follow their instructions on how to spend the funds. I did part of what I was told to do before the check came back as bad. My bank (U.S. Bank) then closed my account, reported me to ChexSystems and sent my account to collections all in one week. I was never given a chance to correct the issue. Plus, because U.S. Bank reported me to ChexSystems, My secondary bank (Citibank) closed the account I had with them.

On May 10th, 2012, I had a drunk driver drive his car into my living room. This occurrence created $38K in damage. After working through an unpleasant experience with the Insurance Company, I proceeded to take the checks that had been written to U.S.Bank to cash and pay my contractor. At that point, they decided to tell me that they would inform that they monitor the funds and how much is dispersed. This all happened after I went to the Bank and asked for help to fight the insurance company to get enough money to even fix the place.

I have been employed with a company for over a year who writes my paychecks through US Bank. I refuse to keep an account with US Bank due to them thieving over 300 dollars from me in 2008 through deposits handled improperly on their part and debits card numbers stolen twice by employees! They are hateful, rude, and lecherous thieves who treat non-customers as second class and customers little better. Their mannerisms are discourteous; their policies are greedy and liken to that of a succubus. Each time I cash my paycheck, they charge me five dollars and offer an alternative of me keeping an account with them, which they will charge me for and which I know from experience they cannot guarantee the security of. I posted to Facebook my grievances, and within an hour, I had replies from four friends, all of which had between four and eight hundred and fifty dollars stolen from them by US Bank. In a single status, over 2,850 dollars’ worth of theft was commented about. This is a dishonest company whose sole purpose is to cheat, lie, mislead, and steal from its customers. I cannot preach adamantly enough the need to avoid any affiliation with US Bank.

We had home damage in March/April 2012 due to hailstorm. We contacted our insurance co. and found lowest bidder. We had work completed over a month ago and contacted US Bank so they could pay roofer after work was completed. They won't release final payment until CoreLogic, their inspection co., does 66 percent evaluation. We have called US Bank countless times as to when this will be done. CoreLogic is telling them they called and can't reach us, which is baloney since we have caller ID and I have been waiting for them to call. I don't work, so I have all day to answer phone calls. They (US Bank) keep putting us off.

The fact that they refuse to remove a late charge is small compared to the manner in which they do so. Rude, indignant and lack of customer concern and courtesy. Rudeness throughout the company.

My home was damaged in the Joplin tornado. To make a long story short, the insurance company paid with a check written to U.S. bank and myself. I am still trying to get my first draw from my insurance claim a year and a half later. Their mediation process is almost impossible if you are making your own repairs. I would strongly consider another lender if you are planning to refinance.

Long story short, I tried logging onto my online account without success. The error message said my account had been locked and please call the phone number listed. I called US Bank and was informed my accounts had been closed. No one could tell me who closed my accounts or even where my money was. I called my branch manager and he had little time to speak with me, because it was a few minutes before 5:00PM on a Friday afternoon and he wanted to go home for the week. After speaking with multiple employees of US Bank, it is very clear to me that they do not care! I have been a customer of US Bank for approx ten years and then all of a sudden, without anyone speaking with me about it, my accounts are closed. It is almost unbelievable. Please do not bank with this bank.

In mid-September, I had major water damage to my home, rendering my furnace and hot water heater unusable and requiring around $18,000 in repairs. My insurance company covered the loss in a very timely fashion, expressing concern that the repairs be made ASAP. But as with any claim, the check was made out to my mortgage company, US Bank, and me. I called US Bank's Loss Dept. and was informed to send them the check and the insurance adjuster's worksheet, which I did, and both were in their possession by October 17.

Our home received hail damage on 28 Apr 12. After our insurance adjuster completed his work, we were provided a check to cover the expenses, made out to US Bank (mortgage holder) and ourselves. The total amount of the check was $21,372.47 issued on 14 May 12, which we were told we had to mail to US Bank. On 25 May, we received the US Bank paperwork with instructions to obtain partial payment for the contractors we had working on our home. Meanwhile, we paid contractors out of pocket expecting that the process had already begun & knowing our insurance co. had covered the funds needed.

I have had a bank account with US Bank for about two years now and they were great in the beginning. But they have been getting worse that it has now boiled to a head. I have been using the cash advance account they set up for me because I have direct deposit. I have a $500 limit and I use it to assist with random bills. One of these was to pay my mediator as I am in the middle of trying to get custody of my daughter. When I used the account, it says that I have until the 28th of the following month to make the payment of approximately $440 which does not reflect upon my checking until that point. Well, I decided that I would like to wait so I called and told the bank that I would like to postpone the payment of this until the next check on the 8th. They said that they cannot do that as their system automatically pulls the money and the only thing that I could do is to cancel the direct deposit. I can bring the check in, cash it and the advance account balance will remain where it is until my next direct deposit.

Fact, US Bank refused to take the money I managed to put together to satisfy my outstanding debt on a mortgage they bought from my original lender that was 90 days delinquent. Working with a representative, staying in constant contact, and attempting to send partial payments on the back end of this futile endeavor, the bank, in the end, told me (paraphrasing) that they did not want the money I sold my world possessions for, borrowed for, and begged for, and that they were going to foreclose on my home regardless. All I wanted was to know how they wanted me to send the money! I could have sent it via any number of outlets! They wouldn't even let me take it to a branch!

Thanks to US Bank, they took my home after they told me they would help me. They told me everything was okay and that they wouldn't take my home. She said they don't want it so it would work out but they put me and my kids out. I paid thousands of dollars. They kept my money and took my home.

I had not received any mail from US Bank for about 2 years. Then, out of the blue, a letter was sent to my grandmother's house about me owing $50 for paper statements I had not been receiving. Furthermore, when I called the branch to complain about the situation, the lady told me that if it was her, she would have thought it strange and would have been responsible and called, or visited the bank branch right away. So, instead of handling my money and contacting me, I now have to pay money for something I never received, on top of having to again deal with horrible customer service that US Bank provides. I'm sorely disappointed. I will be paying off my balance, then shutting down my account immediately.

Forewarning To All: Do not ever use US Bank for anything! US Bank is the absolute worst bank in the world. They are a piece of crap! I am going through a short sale like most of America at the moment because Florida has suffered immensely during these past 5 years. They are jerking me around in every single way that they can! The BPO came back at $45,500 after 8 months of "reviewing the file" and an offer was put in at $45,000. The jerks closed the file for $500 and started all over.

My husband lost his job and without knowing how long he would be unemployed, we thought we should contact US Bank about our mortgage payments. We were offered the option of "skipping" a payment and repaying it over the course of the next 4 by adding an additional amount to each regular monthly payment. Hindsight is 20/20; we should have never done this. Our credit rating is now damaged, as US Bank labeled this a 4 months of "late" payments. We were penalized for doing the right thing and contacting them to make arrangements rather than missing an entire payment.

Website and phone customer service - I was jumping through hoop after hoop, question after question and confirmation after confirmation just to make a payment on the website, and just to get a total generic and obtuse error statement. I sit on the phone for hours to be told "pay online after statement is mailed". How the hell do I know when that is?! I receive the statement on my due date! Assume it's safe to make an online payment.

I have a durable power of attorney for my mom and had been paying her bills via her bank account for several months before she passed of cancer. Once all outstanding payments had been deducted, I tried to close the account but they refused saying there was no POD (payable on death) on the account and that they had no record of the POA either. After several weeks of searching, I finally found the POA, as well as her will naming me the executor of her estate. I went back presenting both and they again refused to pay out the balance directing me instead to go through probate. Her bank account holds less than $400. Probate (administration) will cost $346 plus additional fees, almost the entire amount in the account to begin with.

Poor Treatment/Elder Abuse - I am on the account with (and durable POW for) my 85-year old mother, a retired teacher. Because she has had several fraudulent charges to her account (via known scams) over the past 2-3 years (and has changed it at least once), I reviewed her account periodically via internet banking. On 9/18/12, I discovered a suspicious electronic withdrawal (electronic unsigned check) by Shopping Depot for $193.95 and verified with my mother that it was unauthorized. (The associated phone # suggested a cell phone in India.)

I own my own business (Mary Kay). Last week, I had individuals named Carol ** & Howard **, if these are their true names. She (Carol) had texted me on my cell & said that she wanted to order some product for her daughter's 21st birthday. She told me she was blind & was computer-friendly. She asked for the total amount & it was $242.71. She said that her financial advisor was writing the check & I should receive it in a few days. Well, it was over the Labor Day weekend so of course it took longer. She texted me a couple of days before & told me that her financial advisor made a mistake on the check. She was sending money to her daughter also for her birthday & me for her product.

I took out a vehicle loan from US Bank in May of this year. Since then I have been contacted no less than 6 times (yes 6!) to provide insurance information. I have provided all needed information, which exceeds the limits that they require each time. Last month, I had to have my agent call and provide the information as I was traveling. This month, I have yet another letter from them saying I don't have comprehensive coverage on my policy. Yet there it is in wonderful, easy to read print each of the 6 times I have provided the information to them. They are now threatening default on my loan. Do not ever, ever, ever do business with them unless you want the most frustrating experience of your life. I am on to file complaints with every and any agency I can find.

My mother has been with US Bank (mistake #1) for about 4 years. She has her social security check direct deposited to her account. It comes in by the 3rd of the month. This month, her check was not in her account. US Bank has been giving my 76-year-old mother the runaround for about a week now, even making her go directly to the SS office to find out what the holdup is. These people make me sick. My mother needs her money for her meds. Yet, do they give a care? Hell no. They are lying to her about where her money is and because my mother doesn't have an ATM card, they know that she cannot access her account by herself. But they haven't met me yet and I'm the one that will get some answers, come hell or high water.

They continue to charge me $2 interest on their annual fee of $39. My other balance is a 0% rate on a balance transfer. The annual fee carries the higher (usual rate). Since the annual fee was charged in April, I have made payments of $155 over the minimum payment. My understanding is that the law requires that anything over the minimum payment must be applied to the balance with the higher rate (the $39). I have complained and some months they take it away and then it reappears the next. If this appears again on my card, I will file a complaint.

US Bank Mortgage division recently decided to eliminate local title companies from providing title insurance on their mortgage transactions. This is appalling because each individual should be able to choose their title company! Title is part of the closing process and the company that your mortgage form outstanding judgements. They are shutting the door on small and medium sized title companies throughout the nation, and not caring about who may have lost their jobs in the process in your local communities.

I had a redemption check from a major mutual fund company. I went to the bank and they refused to cash it. Needless to say, I was upset. I have been a US Bank customer for more than 30 years, have paid my bills, and only recently had my credit limit slashed by 94 percent. The check is backed by hmm $2 billion in assets. I called - the mutual fund company was speechless and recommended finding a new bank. US Bank no thanks!

Hailstorm did $30k in damage in May 2011. US Bank was sent $23k and I was sent a check for $7k. The roof was $23k to replace and is now completed so I called up and paid for an inspection based on the requirement of US Bank, and the inspection report said the repairs to the deck and drywall (which I received a check for direct from my insurance carrier) had to be completed before the remaining $2k will be released to the roofing company. US Bank has had $23k on deposit for 12 months, interest free and wants to split hairs with me about 2k dollars. Are they for real? My mortgage is only 38% of the value of my house and they get to play King? They don't pay my insurance bills but can hold me ransom for my $2k. Credit Union, here I come. US Bank will wake up one day with no customers and wonder what happened.

When closing refinance, VA loan notice on settlement sheet payoff to US Bank was different (less) than my last statement US Bank sent me. We notified the new lender and they said it was US Bank’s policy to deduct our escrow from loan we owed them and then give a payoff figure. At any rate, the escrow funds were netted from the loan we owed US Bank without our permission. We notified US Bank and they said it's not their policy to deduct escrows funds from current loan owed. So, we have been going back and forth from new lender and US Bank, and they both passed the blame back and forth. No one can tell me who netted these funds from my loan and where they got my permission. I’m perplexed!

Our kitchen flooded on July 5, and we have been living in a construction zone now for six weeks. AMFAM released a check a week later, but I had to send it to US Bank as they hold the mortgage. It has now been over 3 weeks of delays, and they just told me that the check would be released at the soonest, August 29. They are the worst company! I would never bank with them, and I can't wait to refinance just so I do not have to ever work with them again! We have no kitchen and cannot complete the repairs until we get the money. They do not care one bit about our situation; they only care about holding our $18,000 to earn as much interest as possible. US Bank makes me sick!

They hit me with several late fees. When I first called to ask for a courtesy removal, they said no. Two months later, I asked again and they said that I needed to ask within the first month. What a bunch of con-artists!

US Bank is the worst ever. I have deposited my wife's school refund check three separate times into this account and they allowed the transaction. The last time I deposited the check the bank released the funds as normal (not pending). I paid my bills and suddenly the money was taken out of the account. I went to US Bank to see what the problem was and they told me that they did not accept two party checks. They had accepted them three other times. How was I to know? Instead of being kind and at least giving me a call, they did nothing. If I had not had online banking, I would never have known about this until seven days letter via mail. I did not receive the check until fifteen days after it was returned. Not only that, but it was a paper copy of the check so they left me no choice to go back to their bank.

On 7/27/2012, I opened an account at US Bank. In order to open my account, I gave the teller my driver’s license and SS card. She opened my account and gave me my papers and told me that my card will get here about 7 to 10 days. Well, it got here and I looked at it and it had my first name as George, not George. Then, I called and was told that I had to go to the branch to fix it so I did. Then, I got your email about my internet banking and tried to set it up; it did not let me. So, I had to call and sit on hold for 30 minutes and a total of 45 minutes; it’s when I found that your people ordered the cards (not one). I got a card in the mail today (8/10/2012) and tried to activate it. I was told to call so I did. I found out that it was one of the two mystery cards. Now, how many times am I going to have to call you to get my account setup? I will tell people to stay away from your bank from now on. This has been the worst mistake I have made.

I have a US Bank account with my wife. I took my wife's payroll check to deposit it in our account. The payroll check is from US Bank also. I verified that the funds were there and then had them deposit the check (I could have accepted cash at this point since it was from the same bank and the funds were available immediately). I have a receipt that shows the available amount of my account includes the cashed check. Two hours later, I transferred via internet banking some of the money from checking to savings. Two days later, I got an email stating my checking is negative. The payroll check was returned for NSF. US Bank removed the funds from my account. They stated they did not have a few transactions processed against this account and should not have allowed the cashing of the check. They went back and modified all the records to support this assertion. How can that be legal? If I do not get a deposit posted in time, it gets marked for the next day.

I purchased a home through a US Bank loan in September of 2010. Evidence of sufficient property insurance was a requirement for entering escrow. However since November 2010, I have received over 30 letters from USB stating that either I do not carry property insurance or the coverage is insufficient. Despite countless phone calls made by my insurance company and myself to USB, with USB confirming I have sufficient coverage, I continue to receive these letters. USB has charged me $500 for property insurance I already have multiple times, then credits back the money after I call to notify them of the discrepancy. I have since tripled my insurance coverage since the "senior agent" I spoke with "thinks" that was the issue. Yet the day after USB received proof of my tripled coverage, I received another letter stating my coverage was not sufficient. The issue is not resolved after 1.5 years of what can only be described as harassment. I would highly recommend running the other direction if you're considering USB as a lender.

I went online to check my account balance and found that US Bank had closed my savings account, which broke my package, and now I will be charged a $10.95 monthly maintenance fee unless I want to open another savings account. I have a $15,000 check that I was going to deposit in to that savings account but will open an account at a new bank instead. Even better, the only reason I had an account with this crappy bank is because I worked for them and was forced to open an account if I wanted direct deposit.

This is my fiancé’s and my first mortgage experience. When our mortgage first was sold to US Bank, they never sent us a statement or any paperwork. They were late, late, late on sending it out. Then when the first of the month came up and we had no amount to pay or official paperwork, we got a phone call three days in a row from their collections people harassing us on when we were going to pay. They also had the audacity to ask, "Are you always going to be late in paying your mortgage?" I should have said, "None of your business!" Anyway, this past month, they implemented a mandatory new policy for all mortgages bought within the past three years requiring a minimum of a 20% HO6 insurance policy on dwelling. Territorial Savings, which originally gave us our mortgage, didn't require an HO6 at all. Although given that it is only beneficial to us to have one, at the time we weren't sure how much we could afford. After a few months of mortgage payments, we bought HO6 through Geico and only had 10% dwelling coverage. Then US Bank throws this curve ball at us and demands this 20% minimum coverage or else they would assign us an HO6 policy at a much higher cost!

I was informed that my business line of credit was coming due and they were going to put me on a 3-year payment schedule. I asked if we couldn't make more reasonable arrangements because this was going to add over $500 a month to my payment on this line of credit for my business. They looked at my current earnings and said they couldn't do any refinancing, that I would have to show better results. They didn't look at my personal finances or anything else I had. They just looked at this business. I will make the payments but I will put all my money into Credit Unions from now on. The banks can kiss my ** for all their talk about building the economy and helping people out.

There have even been a few cases of mortgage lenders messing up your insurance or tax payments costing more in late fees and penalties. That is the truth. This is what US Bank does. We send in checks instead of having it taken out of our account. They lost the check, charged us late fees in Dec. for our mortgage payment. When I told them to cancel the other check in case they found it, they cashed it and sent my account in arrears. I paid those fees. Guess what? The check magically appears, and they send a nasty letter demanding their money. Hello?! I went into the bank and paid it already. As far as them messing up the insurance, last month, we pay the same amount every month, and I am monitoring it every day online.

My girlfriend had a company steal money from her account. We filed a report and were waiting for them to do their job and have these people arrested. They said they denied the claim and we were out the money. We were led to believe this would be taken care of for two months and they would reimburse the funds. After a lot of time, they said they denied the claim. They were supposed to close a debit card, which they said they did, but I found out they never did and the people came back and took more money from us again. This is probably the worst company for customer satisfaction in America. They allowed these people to take money even after we told them to close the account and opened a new one and the debit card to. Now anyone, anywhere can just come and take money and they will just give it to them and tell us screw you. Well, screw them.

Unfortunately, I was laid off due to corporate downsizing. Unemployment, after two requests, have failed to have my benefits deposited into my account with another bank and put it on some kind of card managed through US bank, which means I have to spend the gas to go to US Bank, withdraw the money and deposit into my account. On two occasions recently, their ATM has been down and while not a huge deal, you have to re-enter the street, wait at a stop sign go around the corner, park and then go to the lobby. This past Tuesday, I did my thing. I went to the ATM and it was down. With storm threatening and a thousand things to do, I circled to park and went in and made a very small fuss about the ATM. The teller was very young and evidently has issues I'm not qualified to assist him with. He asked for my ID and I gave him my valid driver's license and he did what the other teller had done before and went to the machine.

After a lengthy, frustrating attempt to refinance my home, I sold it as a short-sale. The day of closing, US Bank required that I sign a statement of the amount of the short sale. They then turned this over to a collection agency that harassed me with phone calls and ruined my credit. I settled with them for a lesser amount, and my credit is still damaged. Do I have recourse to take action and get my money back and restore my credit rating?

Ok, this is the deal. I have been dealing with US Bank for years, but 6 years ago we kept having major overdraft fees through the bank considering my partner was marking everything in the checkbook. Time after time, I put my paycheck in the bank and the bank would take out like half my paycheck toward overdraft fees. I decided to get a home equity loan for 21,000 dollars to take care of the fees, get some bills paid and have money to operate on. Now I needed to open a loan just about as much as needing a hole in my head but didn't have a choice. I signed the papers and thought I would be getting a certain low monthly fee which turned out to be higher. Needless to say, I was paying on it for a long time and got behind. My account became delinquent because I missed some payments due to other bills. I know it was my fault, but US Bank is not willing to help and work with me, but they are sure willing to yank money out of my checking account without me knowing it, making me so broke I can hardly operate. All I say is, I sincerely hate US Bank and please don't ever bank with this bank anymore and if you are thinking of opening an account with them, be smart and don't do it...You will regret it.

I owed under $2,000 on a non-interest balance transfer which was due at the end of June 2012. I had also taken out another offer with them which was due in June of 2013. I paid off the one in June and July, and was charged interest on that, which I expected because I was a few days overdue paying the entire amount off. I also paid more for the payment for the new balance transfer. However, they did not accept my payment to pay off the one that was due. Instead, they used that as a payment on my new balance transfer and then told me I had to pay the entire amount of the new balance transfer by August of 2012. I feel that this is very deceptive banking practices and would never recommend anyone to deal with this bank. I got this bank because Ralphs switched from the original bank that handled their accounts.

My husband and I have had accounts at US Bank, even before they became US Bank. He took out a merchant account with them. I noticed that they were charging $95 a month, which was more than the usual. I called the merchant services and they told me if I go paperless, my fee would be less. I then went online, got an ID password, etc. and it was still the same. We then canceled the service. Elavon then wanted to charge my husband $195.00 to cancel. He rejected that amount and told them they had lied and that he talked to someone very rude. This morning, they took the money out of my account. No notice, nothing. I'm on Social Security and know checks could bounce. I feel that they are thieves, liars and don't have any customer service qualities. Plus, US Bank owns them. I want the money replaced in my account.

We were approaching 4 months for a refinance with US Bank. Both our first mortgage and HELOC are currently with US Bank. We have excellent credit scores and plenty of equity in our home. We were told the holdup was the subordination or our HELOC, even though it's all with US Bank. Other lenders are closing in 30 days, even with subordinations. The day before closing, we were called and told closing was cancelled and we were asked to pay additional money for a drive-by appraisal due to a fire that occurred on the complete opposite side of the Salt Lake County from where we live. (Salt Lake County is over 800 sq. miles.) Closing was delayed until underwriting could review drive-by appraisal and tell the scheduling department to reschedule.

To make a long story short, I applied for a home equity loan. Big mistake. It seemed like it was going to take an act of congress to get approved, even with excellent credit. After a few days, I got a letter asking if I still wanted to be considered, but I never replied. I got the feeling that their loan servicing department is very screwed up and they don't know what they're doing. Also, a lot of the branches in grocery stores such as Meijer are staffed by kids that look like they just got out of high school. I went to National City Bank, now PNC, and was approved for the loan in one day. I will never go back to US Bank. Terrible!

I applied for home equity line of credit and was told it would take 2-3 weeks to receive the loan. They would use our tax valuation and just do a drive-by appraisal. I received a thank you letter for my application on May 19, 2012 and the appraisal was ordered in early June. I found out late June that a full appraisal was needed, which took place on June 29, 2012. That appraisal was back to US Bank by July 9 and here it is July 17 and still no information! Our friends (who are partners in business) applied at exactly the same time and they still have no appraisal! I talked to our loan officer and he referred me to his supervisor, who only made excuses as to why he could not do anything. Horrible customer service! We have been put in a financial bind because of this delay and are still in limbo, with no help, just waiting.

We originally applied to USAA for our mortgage, who then turned it over to be serviced by US Bank. We have experienced nothing but problems concerning US Bank. If you are applying for a mortgage, you might want to steer clear from US Bank and USAA, especially if you plan on utilizing USAA as your home insurance service. I can't even begin to tell you the unorganized and incompetence of US Bank. No wonder why there are such high losses. According to their own policies they have violated our privacy on numerous accounts. As well they have restricted access to our account to the same regard. Their Loss Drafts Department employs some of the most unaccountable, untrained, unreliable, individuals I have ever encountered. They all tell me different things, all of which delay the release of insurance funds for claims. They continuously state they never receive fax items, even after verifying fax receipts.

We opened a brand new business checking account with Sun City, CA US Bank. In the first 30 days of this new account, they charged us $579.00 in assorted fees. Review fees, late fees, NSF fees and so many other undetermined fees. In 30 days, we demanded they close our account due to excessive charges. They said they could not close our account until we brought the account current. Bringing the account current meant paying their numerous fees they imposed themselves. This bank puts you into NSF status by packing all sorts of fees against your account to cause you to go into negative balance.

First Incident: I needed to pay my account and I wanted to set up a payment to come automatically out of my checking account (when I did have one). Well, I called the day before to make sure this was all set to go for the next day. They called me a liar and said that I never called and that I was making it up. They told me that the call would have been logged if I did call. **, so I told them I would just do it myself online. The next day, I noticed two different transactions that were taking money out of my checking account to pay the card. I called and had to argue with the bank for over an hour to reverse one of them. I do not appreciate being called a liar, especially when obviously, I did talk to someone about setting up the payment. It was a lack of communication within the bank!

My US Bank branch is located within Albertsons (which opens at 6 am). I went to use the ATM (at 10:15 am) and it was out of order due to being empty of money. When I asked when it would be working again, I was told that it would be about half an hour because two people had to open it and put money in it. After about an hour of shopping in the store, I went back to the ATM and it was still out of order. If the bank is scheduled to be open for business at ten, doesn't this include all forms of banking transactions? This is an inconvenience for me. I am disabled and it is a chore to get to the bank.

Be cautious if US Bank invites you to participate in their lease/purchase program for your business and your customers. Make sure you are approved in writing before you tell any prospective customers about it. Don't waste money producing graphics for submission to US Bank for the application forms until you get that letter, even if the US Bank rep smiles at you and says, "Go ahead and tell your customers to sign up today, and send me all the artwork." Don't give US Bank the opportunity to turn you down for a lending service you never solicited, it will harm your credit. But the greatest damage that will occur is when you destroy your integrity as you call all of those potential customers and existing clients back trying to explain that "It turns out, our business doesn't qualify for that program with US Bank. I'm sorry I misled you." I lost a $30K sale with one client as a result of this. They purchased from another firm that didn't have to include a follow-up apology in their sales pitch.

This is a copy of my letter to US Bank after returning a leased Cadillac CTS2009. It was a 36 months lease and US Bank wants to charge $945.10, with which we totally disagree. At the end of the 36 month lease, less than 11,000 miles was on the odometer, clean (I paid for a detailed job a few days before returning the car) and no visible damage. US Bank found a way for making money on alleged excessive wear and tear. We further also disagree on paying taxes on a lease on a non-California based business. Therefore, we agreed that we owe you $43.18. We have been leasing Cadillac with GM for more than 10 years and never had to pay for any wear and tear. A copy of the letter was sent to GM in Detroit.

US Bank are thieves. I wrote a check when there was capital in the account to cover it. Since it was in-house, it credited right away and the balance reflected that. Later that night, an unexpected debit came in and they hit me with 2 NSF fees immediately. I told them that since I had paid the check out of existing that day and also brought in the cash in the morning, they should reverse the charges. As I was told I had the same day to cover, they should forgive both. They would not budge on either and said that everything posted at 11:59, so it was considered the next business day. I never had any problems at all before this. Customer Service said I should talk to the branch and the branch said I should talk to customer service. I just closed my account. Then, they did not close the account correctly and charged me another fee; so a total of $100 was just stolen. This bank is the worst for the runaround and lies. At least with other banks, they will listen and try to work with you.

This bank gave $500 from my mother's account to my brother, who had been removed as a joint owner of the account for several months. The bank said, "Oops, we're used to him being on her account. Sorry." Then, they said some ridiculous thing like it was my mother's fault because my brother shouldn't have known my mother's bank account number. They said it's her fault for letting my brother in her home where he may find a check laying around with her bank account number on it. This is the most ridiculous and lame thing I have ever heard. The bank has no accountability and did not apologize at all for their error. They also sent a debit card on my mother's account, in my mother's name, to my sister, who used the card to withdraw cash from the ATM. This all occurred while my mother was ill and in the hospital.

U.S. Bank should wear masks. They are thieves! We opened a small business account and got our credit card system set up with them. We went out of business in December 2011 (almost 6 months ago) even though we owned the terminal. They continued to charge us for months. We tried several times to get in touch with our U.S. Bank rep, who didn’t return our calls until 3 months later (April). His only excuse was that his phone didn’t work. Then he gave us a number to call, which we did and we're told to wait for a form and then fax it back. We faxed it 4 times since then. Today, June 11, 2012, they have taken $357 and caused us $165 in fees and we still haven’t got a confirmation of any type.

Do not use this bank. I have a few problems with them. 3 years ago, I applied for a loan for a boat for my husband's birthday. I was excepted immediately due to an awesome credit rating (their words) and was given a 10% down payment requirement. I filled out all the paperwork and was approved. A week later, when I went to put my down payment, I was informed that I would need a 20% down payment and they could not offer an explanation why. Now, last month (May), I called and instructed them that I do not wish to have the auto withdrawal taken out of my account on a monthly basis and that I now wanted to make my monthly payments online. I was told that the request was put through.

I put an offer on an REO that US Bank owned. They accepted my offer for $260,000 (they were asking $255,000) at 1 pm on 5/22. I was told that the contract (which was 11 pages) needed to be submitted by 10am on 5/23. In the contract, it stated that my closing date would be 6/25 (or I would be charged $100 a day) and that I needed my housing inspection the next week. On 5/30, I received a call from my realtor that they were going to re-evaluate the value of the home (after they already accepted my offer). On 5/31, my realtor informed me that Home Bank had decided that they now wanted $305,000 for the property, and that I would have to put another offer on the property in. What was the purpose of the acceptance of the offer? What type of bank does this? I don't understand this.

How I ended up with US Bank is that when I refinanced my mortgage in 2003, this is the bank I got! Recently (February 2012), I got another homeowners policy, which was about a $500 reduction in my yearly insurance. Even though the policy activated on 3/13/2012, US Bank refused to acknowledge the new insurance company. They continued to give me the runaround saying that Nationwide Ins. only faxed the documents on 3/24/2012 when in fact they received the documents via mail the end of February 2012. Nationwide said they never fax documents.

I opened a US Bank account in 2007. I had no car and had just started my first job and they were in the parking lot of my work, so it was convenient for payday. They were never really all that great with customer service and I had decided to close my account a year later. I went into a branch and closed my account with a balance of $0. Now, 4 years later, I get a call from a recovery agency saying I owe $400. I called US Bank and was told I need to talk to their recovery department. I called and no one answered, so I left a message. I called again the next day - another message and a couple of more tries. The next day, I tried calling again - nothing. I was referred to calling the branch I opened my account with and was told they’d be able to pull it up. Nope. The recovery agency finally called back on the 3rd day at 3:17 pm PST. I called back at 3:20 PST (they called from a blocked number and I generally don’t answer those) and they had already turned their “we're closed message” on 10 minutes early. I finally got a hold of a person there the 4th day after sitting on hold for 30 minutes. She couldn't give me any info at all and told me to call the branch I closed at and have them pull a statement.

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).

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.

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 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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.