US Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Please help.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What's wrong with this picture?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Bradley

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We were specifically advised that the account could open up to 10 additional cards with absolutely no additional fees whatsoever. When we contacted customer service to sort out the issue because their enrollment representative had specifically said there were no fees, she said "Well to cover our bases, it's in the written agreement we send you with the card." That still does not make up for the representative who clearly convinced us that there would absolutely be no additional fees. False advertising. Do not trust credit card companies, they will tell you what you want to hear just to get you to sign up.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Laura

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

When I complained that I had charges taken out, I was told that the bank made no mistake and would not refund any money. I even copied my bank statement in another email and got the same answer. I was told by the bank that they reserve the right to re-order items at their discretion. Even though prior to the final charge I made, the most recent charge was 6 days prior.

They tried to say that the last 6 charges, all made over a 2 week time period, all came in on the same day. They said that they are allowed to lump them all as one which would've put me negative, then split all the totals and put a fee with each one individually. They also said that they can only charge three overdraft fees a day, so they split the 6 charges up over 2 days in order to take a fee on to each charge.

So far, for my $24 mistake, I have been charged $225 and counting, since it is $8 a day for being negative and I don't get paid for another week. I was also told it was my own responsibility to balance my account but I don't see how I can when they apply charges where they want, when they want, and lump charges together as one charge in order to get more money.

I am closing this account on Friday and I will never bank with them again. This is horrible.

As a police officer, if financial situations get back to command staff, I could be reprimanded and even fired. Seeing how this is going to cost me half my paycheck, I'm going to have to borrow money after the first week just to get food and gas to make it to work. I hate US Bank.

A few weeks passed by and Peggy called, I was unable to come to the bank due to these obligations. Our home and business were destroyed by an ambulance driving through it and we have been tied up in legal battles, as well as simultaneously dealing with identity thefts including having to close and re-open the US Bank account. I then received a phone call from a Maria from US Bank to tell me that my account was overdrawn. I again went into the details and told her that Freda via email said she could assist me. Maria said that they would leave Freda a voicemail. 2-3 days later, I received a letter from US Bank stating they had closed my account and I owed them $689.00 (mind you, the original item that went over was nominal). There is a 1-800 number to contact, however, the letter indicates that any fee reductions would have to be handled by the branch manager.

If the branch manager had handled the situation to begin with, the account would have never been closed. We (my husband and I) were assured that the laws were changing in January and that US Bank's policy was changing, etc. by the manager at The Safeway branch. I have found out today that they have also reported my business to ChexSystems. This is an outrage. I can not believe that this is legal to gouge customers, tell a customer that you will assist and don't assist the customer and then make it virtually impossible for the customer to bank anywhere ever again. My husband who opened a personal account with US Bank, went on a business trip to Texas. While away, his account went $30.00 overdraft. He went to the bank manager who told him again she couldn't help (this was his branch, the Safeway location). He closed the account having to pay $232.00. This bank collectively has cost us over $1000 in overdraft fees due to a daily hit of $8.00, in addition to the item charged as well.

I had no reason to believe that they would check my credit because I had told the credit bureaus not to give out any information on my accounts for 7 years. But they denied me a Savings Account which I was ready to deposit money into, just because of the TransUnion credit report, which should have been blocked. Why would they bother on a Savings Account and because I had been with them for 34 years. I will have to find another bank that will give me both checking and savings accounts. Then I'll have to tell Social Security where to Deposit my Check and notify all of my accounts that are paid automatically out of my checking account. They are so rude.

By default, the baggage of repetitive offers via phone and mail are enabled. By default, the marketing aggression should not be allowed. Not giving permission for marketing should not "turn on" the aggressive, repetitive and annoying frequency of marketing intrusion on a customer's daily life. The phone calls are especially annoying. For married couples, US Bank solicits and establishes credit individually for spouses even if they wish to have a joint (primary/secondary) account configuration. The marketing by US Bank is relentless and customer service is evasive. The five star service to me means five stars out of one hundred. Everything expressed in this writing is based upon our experiences with US Bank and are based upon our opinions about our dealings with US Bank.

Countless phone calls to get us to take a card. Dunning calls for fees associated with a credit card that we never activated because they did not send two cards to us as requested. Much frustration with customer service, lots of wasted time trying to communicate with a primarily automated customer service that could not or would not assist me in resolving the issues with our card. Dunning calls are indistinguishable from marketing calls.

A lack of concern for customers who wish to maintain joint (primary/secondary) accounts. Issued card to one spouse w/o establishing a secondary and then continuing to market the credit card to the other spouse individually. Lots of time wasted, negative credit reporting on a card that was never activated. Then, trying to enforce a credit card contract despite the fact that the card was never active. No matter what we do, the calls keep coming. It is disruptive, aggravating, non-result oriented and disrespectful.

When I called, the bank was completely rude with me and then hung up on me! Right before the above incident, I had tried to add my new husband to my account and they denied him stating he had an outstanding balance at another bank. We went to my credit union to add him and they said there was no such charge against him on his history and promptly added him to my account.

While we were in US Bank trying to add him to my account, the "lady" was very loud and boisterous about their denying our request, so that the entire bank heard her. This caused us so much embarrassment! She refused to show us the information that she had allegedly accessed. My husband is from Egypt. We can only assume at this point that it was prejudice that caused such an ordeal from our predominantly ** community.

US Bank has caused us extreme embarrassment along with ridiculous fees that made it almost impossible to bring our account back into the positive in order to close the account. They are blatantly prejudice, unprofessional, and thieves! US Bank should be taken out of business for their practices. I regret ever having opened an account with them.

After receiving the appraisal, she told us the "add-on porch" was an issue. We told her the porch came as part of the home. It was not an add-on and the appraiser should have been able to verify that. Also, they carried the original loan so should know the model number of the home, dimensions, etc., which was verified by the appraiser. The model and description would verify it was not an add-on. On Feb. 26th, we still had not heard anything about this so we emailed her asking for the status about the porch issue. She never did clarify the status of this.

She then notified us that we needed a Structural engineering report. We asked why this was needed and after a couple of conversations, she said it was a new requirement. The first week in March, we faxed her copy of the county's confirmation of affixture and that the home met all county codes (Certificate of Occupancy). She said this was insufficient and out of date since it said "expires in 6 months". We contacted the county and they said it doesn't expire. It's a onetime form and is not redone.

On 3/3/10, she wrote: “A Structure Engineer Report Should state that your manufacture home meets all the county codes. When you contact them they should know what you’re talking about.” We requested a form in order to ensure we got the right information from an engineer. Several times, by phone and email, we requested something in writing to outline exactly what they needed from an engineer. They had no form and she wasn't able to articulate exactly what was needed. Somewhere in this time, she was out ill and we talked to her manager, Sirena **. She said she would look into our case and she was able to verify some of our communications but not all. She communicated by email on 3/17 telling us we needed the report to show it was sound and met requirements (county).

Tenisha returned to work and we did get her on the phone and got her to talk to an engineer we had contacted. For the additional (not identified as a requisite for the re-finance) amount of $400, we could get an engineering report. We went home and dug through our original papers and on 3/21 we faxed her copy of an engineering letter saying it met HUD code for a manufactured home, dated August 5, 2008. On 3/24, she emailed us that she had sent it to underwriting and would keep us informed.

We then contacted them by phone and talked to Michelle **, who was our original contact for the refinance with USBHM. Initially, she was pleasant but then told us our refinance application would be cancelled unless we accepted a higher interest rate or paid to hold it. She said we had dragged our feet in getting them the requisite information. When we called to complain about the follow-through and the fact we were not informed for the need for a new engineering report ($400). We were told they were so sorry but nothing they could do about it. So we are out the appraisal fee and still have the higher interest rate with them. Apparently, they have the corner on the market and aren't especially anxious to refinance at a lower rate.

When I asked about the added $100 ($1600) closing and another fee of $1500, I was told that was the "points" for that interest rate. Now he tells me that he was only giving me an estimate on closing and forgot to mention cost of "points". He is the banker/loan officer and I am the home owner. It is his job to be open to all costs/fees. Refinancing will cost me an additional $900 more than originally told by "loan officer". If I do not continue with refinancing, I will lose the $316.

They both looked over my account and told me to go to my main branch. They did not offer to call my branch to see if they could resolve it for me. I've been with the bank for four years, never had an overdraft until now. I had to leave my job to try to straighten out the mess, no such luck. I've called customer services, they said they would call me back. No such luck. I just want my overdraft removed.

Then, you pay $37.50 for a $3 or $4 charge. If the items all hit the same day, great. But they don't. The items "waiting to post" aren't yet deducted from your checking account balance, but you have to pay $37.50 each for them anyway. They tell you they are doing you a favor because the larger amount could be a car or house payment. I say, pay the checks and charges as they come in. I had ten check card charges waiting to post ranging from $3 to $27 and a large charge came in and for the first time in history, instead of it sitting for three days to post, they posted it that day and I got almost $450 in over the limit fees charged on a total of less than $40 worth of charges. Beware of US Bank, because of their practice of deciding what and when they will pay out of my checking account, I am forced to use their loans weekly just to survive. I have begged them to stop doing this, they won't. I have begged for a savings account to prevent this, they refused to give me one.

I can't believe this practice is legal, but apparently it is. Due to the loans, I would say I have paid at least ten grand to them over 3 years. What I do not understand is how a bank can refuse to allow you to open a savings account? I'm sure I would not be able to get a different checking account due to all the NSFs they have caused. I'm aware that I spend sometimes as little as $2 over what I had in my checking account, but to have that cost me $300 in NSF fees, come on. This policy should be illegal and refusing to allow me to open a savings account to protect myself from this should also be illegal. I know one thing, whatever President Obama tried to fix when he tackled this problem did not work. It only made it worse and I am not bashing the man I voted for. I'm simply saying that the banks are so powerful and so crooked that we don't stand a chance against them. Banks were not like this when I was growing up but they sure are now.

I'm just curious as to whether it is legal to deny a customer a savings account when you let them have a checking account/a visa check card and a student loan. How can this be legal? Why do they get to pick and choose what gets paid and when? Of course, they pick the larger amount. If they returned the larger check, they could only charge one NSF fee rather than 20 of them or however many you have. This practice has made me physically sick and cost me a fortune that I will never get back and to think of how many people they do this too on a daily basis. Wow, they must be really raking it in over there at US Bank.

I went to my local branch and spoke with the manager Kelly. I told her how in the past the bank had declined this very transaction for a lesser amount when the transaction was over $100. She replied that because I was a "valued" customer, they raised my courtesy overdraft amount. I was never informed of this! I asked if the real reason was because the bank stood to charge me three times for NSF and she pretended to be offended. I went on to say that US Bank makes billions in overdraft fees and was considered a predatory institution and she vehemently denied it and said she worked there for 17 years. When I mentioned that the federal government might disagree, she did not have a response.

The bottom line is that US Bank and other banks stand to lose a very profitable revenue stream: NSF charges. Now, they cannot hit a customer with an NSF charge if their account goes negative less than $10 so they have to make that money up some other way. Also, in August customers will have to "opt-in" to courtesy overdraft protection which will cost banks even more money - easy money! But leave it up to the banks to come up with other ways to steal from the American public. In my opinion, the reason Americans have not been spending is because they are being ripped off by banks compounding our current recession.

US Bank arbitrarily decides to ruin customers by default! So, I need a lawyer and urge everyone to write the CEO of US bank and the media. If we all do, they can’t ignore us! Many people have become victims of scams and identity fraud. We should not be victimized by US bank also! With my name in Chex, I cannot cash my payroll checks! My livelihood is threatened! I undergo background checks through my employer and worry about any negative action! I have other accounts which are threatened! They froze my money!

The amazing part of this story is that we received a similar call no less than 24 days ago saying we owed $31 on the account and my husband made the payment over the phone and was told our balance was 0. Unknown to us, they left $5 on the balance and without a paper bill in the interim to let us know we missed the payment date that was 15 days later for which we are now paying a late fee.

What a scam this company is providing. When I asked that the late fee be removed, they refused. They ended the phone call before I received my confirmation # for this transaction making the chances of this clearing my account not very good. As a cardholder with this same company for 20 years, I am appalled. I also asked for a reduction in the interest rate which was not granted as well. The response to this was they had to wait for the phone payment to post first. This is not acceptable to this consumer. Again, thanks for the courtesy call, let's see how it works for you.

We contracted to have these put in on the closing date and they were put in and paid for by us. The same day they were put in, US Bank said they needed to change the date of closing. They have changed the date of closing twice while our investment in these systems is sitting in a house that we don't have access too. This is my first time trying to buy a home and I feel that they are stealing from me with one hand and holding me hostage with the other.

Several thousand dollars for the heating system and air conditioning system, $1000 dollars to the broker for escrow, need for therapy (Mental health is a concern) is becoming a real possibility because of the strain it is causing on us including the real possibility of being homeless when our rental lease is up (the rental company has our current apartment already rented out as of the 15th of April).

If you give me an email address, I will send you the details of how I was misrepresented as well as your very poor consumer communication that lead to these problems.

So, I went through all the proper procedures with US Bank. I called them a month out, set an inspection date with Auto Vin which is their 3rd party inspector and set the return date for March 16th with RSM Toyota in Orange County, California. In the past 3 weeks, I called them again and began the process to purchase the vehicle speaking with Patty at US Bank. She was very helpful giving me the same information that everyone else had up until this point. First, they said no worries then they said I had a hiccup on my credit. I've paid them $275.80 for 5 years and never missing a payment and that they would be glad to sale it to me for the pay off $7000.00 but they couldn't carry the note. I then found a third party who was interested in purchasing it as well as a dealer. This is when it got ridiculous.

Auto Vin inspected the vehicle on the morning of March 16, 2010. The employee from Auto Vin told me that US Bank's inspection requirements were the most stringent in the business making it very tough on persons ending their leases without having excessive wear fees. When I asked about what I should ask, he said he couldn't comment but that he'd push back on a certain few items that he pointed to on the inspection list as most lenders are not this picky. Auto Vin's inspector said there was $760.80 that US Bank would assess as excessive wear even though most inspections would show this as normal wear. I then contacted RSM Toyota where they told me they'd like to purchase it out right. Upon arriving at the dealership, they felt like it would cost less than half what the inspection said to make this car ready for resale.

I've kept the car spotless for 5 years, had it service every 5,000 miles as recommended, detailed, wax, buffed, etc. Sitting in the dealership at RSM with myself, an employee from the dealership and a representative for US Bank on the phone, US Bank tells us that RSM cannot purchase the vehicle for anything close to the payoff. I said okay, I'll pay you the $7000 right now and I'll sale it to RSM Toyota myself. She then spends the next 30 minutes belittle my intelligence, character, motives, etc.

As a pastor for the past 15 years, I've done well working with people. I don't recall anyone speaking down to me so much in a 30-minute period as this women did. The US Bank Representative went on to say that if I personally wanted to purchase the car that the price would be $8,101.00. I responded with why the $1,100.00 increase to me. She replied that it would be fees that US Bank assesses. What? I had just got off the phone earlier on March 16 with a US Bank Representative, Ricky, who once again said what Patty, the US Bank Representative had said 3 weeks ago that I could purchase it for the pay off price, no penalties, no inspection fees, no add-on fees but just the payoff.

US Bank has made $16,548.00 over the 60 months I've leased that car. It wasn't worth that when I leased it and now they want to make another $1,100 on top of payoff price and cost for excessive wear which the dealership says is half what US Bank claims it would be. Then, if a third party individual wanted to purchase the car, it would be $9,901.00. Once again, it isn't worth that.

The auction price on this car this week is $8,070. Kelly Blue Book is $8,475. Retail is $12,475. And if the dealer was interested, then US Bank would negotiate a price between the $9,901 - $12, 475 range. When she, the US Bank Representative finished rambling, I politely let her know that "the equity in that car is more important to you and US Bank than my long-term business because you just lost all future business on mine.” She had no reply. "Your short-term gain is a long-term loss.” I turned the car into RSM Toyota so I have no more cars.

I would suspect this is the first of many letters I'll be writing Consumer Affairs, BBB, US Bank and so on as I now negotiate the bill US Bank will be sending me for $760.80 on excessive wear that doesn't exist. So, dear US Bank, I would be more than grateful if someone from US Bank would take a serious look into how US Bank goes about it's lease requirements, sale of leases to their own customers, consistency among representatives, leveling of pricing depending on who wants to purchase the lease, as well as customer service practices.

It will mean something to your other customers. I said this to the US Bank Representative yesterday that the equity in that car is more important to US Bank than long-term business that much is clear. What a shame. I now no longer have a vehicle to drive after thinking I could purchase the lease at payoff. US Bank is trying to assess higher than actual cost for excessive wear. There is even the question if it is 'excessive wear'.

I have no problem paying for a returned check or overdraft. But when I, for example, need to get cash, I will go to the bank, go in, ask the teller to give me the available balance of the checking account I need to access to ensure that I am not going to be overdrawn and hit with another $37.50 for an overdraft charge. The teller informs me of the amount and I think I can get the funds with no problem. Nope! They got me again. Why did they tell me the funds were there, give me the money and then hit me with fees three days later? Each day we are hit with an average of 10 overdraft or returned item fees at $37.50 each. We have tried numerous times to get US Bank to help us understand their practices and procedures so we can get things under control, but no one has given us a straight answer.

I have 8 charges in a row for March 5, 2010. And according to US Bank I have a solid balance with nothing pending of $761.64. The total of all 8 items comes to $438.34. So why any of the items in question were not paid when the funds were clearly there and the account was totally sound and nothing pending? So my account went from $761.64 to $461.64 not because the items were paid but because US Bank took $300 in fees. This is just a drop in the bucket for me.

We own a small automotive service business, and for the first 5 years we never had any of these issues whatsoever. Then we moved to US Bank after our other bank (credit union) merged with Safe C.U. Being a small business we have always had to balance our money and did it without a single issue--until now. Not only has US Bank taken thousands of dollars from our checking account but they have forced us to up every bit of business and personal savings and credit.

At this point I would estimate between the bank fees, the fees from the company’s the checks were written to and the money we had to use from business credit cards and personal credit cards, overdraft accounts, etc. has cost us approximately $75,000 from October 2009 to March 2010. We do not see us being able to pull out of this riff any time soon, if at all. We not only have ourselves to provide for but 7 employees and their families. Please, we need help. I do not have a shortage of examples or questions that need answers. I just feel like we are being squeezed so unfairly and have no choice but to take it. The outcome will be closure of the business, loss of my house and all my savings, and going bankrupt. Thank you for your time. I hope you can help or maybe send me in a direction to where I can get help.

To my surprise, US Bank had reported that I failed to pay some amount so they reported it to credit bureaus. I insisted that the account was closed on March 11, 2009, but the customer representative says that there is nothing in her system that shows that I ever contacted card member services. Anyways, I closed the account again on May, 11, 2009 and asked for a letter in writing that the account is closed. After waiting for a few weeks, I called again and believe it or not the account was still open and active.

On May, 30, 2009 and requested the account to be closed the third time and finally I received a letter in June 2009 that the account is now closed. In July, I received the statement for the month of March 2009 and a check for some refund. According to the record out of the blue US Bank owed me money so they sent me a check. I reported this to credit bureaus, but you know US corporations rule. Nobody is here listen a regular person. It has been a year and I have been fighting to get this **** removed from my credit, but US Bank insists that everything is accurate. If anybody has any idea on how to get this mess fixed. Please let me know.

Another teller, Ms. C, asked if she could help me, I told her what has happened and she said, with an annoyed attitude, "Well you are going to have to wait for him to count his drawer now! "I understood and I waited patiently when Casey turns to Ms. C and said, look, pointing at his computer screen which was facing me and stated he had $17,???.09 cash in his station and that he should have $16,???.09 in his work station, making him over exactly $1,600.00. She said, "let me check, you messed up somewhere". Well, after she checked, he was off the exact same $1,600.00. She then turns to me and says, "we can't give you the $100.00 until we find where the other $1,500.00 went".

Why was that my fault? You can see I wasn't lying about being short, you can see he has obviously done the same thing multiple times today, not to mention the fact if I screw up on my account, they charge $35.00 per screw up and then an additional $5.00 per day. I don't pay for those screw ups. This is the best part, they won't be able to give me my $100.00 until Thursday 03/04/10.

My insurance company tried to pay off the loan directly through US Bank several times but they did not take the payoff. The reason US Bank did not want to take the payoff from the insurance company was the following issues: a) US Bank never put a lien on the title, the title was sent directly to me without a lien holder--US Bank wanted their name as the first lien holder. b) US Bank wanted the full amount of the original loan amount. During all this time with my insurance company trying to payoff this loan, I am renting a vehicle weekly, I lost $989.00 for rental fees due to the fact US Bank would not take the money from the insurance company.

Several 3-way calls with my wife, US Bank, and our insurance company later still no resolution. My insurance company did not want to deal with US Bank and neither did I because I was still renting a car on a weekly basis. I then asked my insurance company if they could send me the check for the stolen vehicle since we have a clear title and we would deal with US Bank. The insurance company did just that, they wanted to end this just as much as I did. I was told by US Bank that due to the loss of the vehicle, no interest would be occurring since the date of loss.

I called them wanting the payoff without the interest from the date of loss, and they want me to send them more money than what is owed and they will in turn send me a check for the overpayment. You owe me pay me more than you owe and then I will pay you back the overage you sent? What kind of banking is that? I will not pay more money to a bank that thinks this is the way it should be done. I have made 3 payments on this vehicle thus far-December of 2009, January of 2010, and February of 2010. This bank thinks they're at Burger King(have it your way), I think not. I filed a Better Buisness Bureau complaint, and in that complaint I also stated that I will not keep paying for a vehicle that has not been in my possession since 12/13/09.

Due to the fact that I have excellent credit, I wanted to file the complaint before the March payment that I am refusing to pay. I looked at the original loan agreement that I singed, the only security on this loan is the vehicle-due to having a clear title I'm thinking of keeping the $20,000.00 that the insurance company sent me for the vehicle, and telling US Bank to repossess it out of the scrap yard if they want it. US Bank doesn't want my money which I owe them, they want more.

At this point they can have the totaled vehicle if they wish. We all work hard for our money, don't let a big corporation or bank soak you like they have been soaking me! I had to have a rental car longer than expected because the bank wouldn't settle with the insurance company. I had to continue making monthly payments on a vehicle I no longer had in my possession as well as paying rental fees, traveling back and forth to the rental lot.

I have been contacted by a collection agency and told the total amount owing is $1,161.07! I have set up payment arrangements and have it almost paid off. I have been paying this debt due to a letter that only has the amount owed, and no breakdown of the charges. I have tried to contact US Bank's Recovery Department and when you call, the phone hangs up on you, or no one answers. I then emailed them, and three days later, they got back to me to let me know that I would have to pay a $6.00 statement to find out the details of the charges that I am paying! This is nuts! So here I am paying $1,161.07 on an original overdraft that I believe to be around $7.00.

They withdrew $435.00 out of my checking account. I found out about it the next day when I checked my account balance online. I immediately contacted the fraud department by calling the US Bank's toll-free number. I also went to my local branch immediately the same day, closed out my account, and reopened a new account. This time, I placed a password on my checking account. The Personal Banker at that location also placed notes on my account stating the current fraud activity.

Two weeks later, January 28, the same people attempted to do it again. They went to the same US Bank location using the drive-thru and attempted to withdraw money again. The teller again gave out my new account number! Only after giving out that new account number was my password verified along with other identifying information. The branch manager from the bank where this was taking place contacted the Personal Banker at the branch location that I have been personally dealing with.

She in turn contacted me, informing me that another attempt to gain access to my account had just accrued and that account number too had been compromised. I will have to close this account too. I was told at that time that this person (female passenger) even tried to contact the corporate office to get the password removed from my account so they can withdraw funds. My Personal Banker even told me she had a conversation with this person over the phone and knew it wasn't me.

My bank said they have an image of the person the first time it happened and that their security people had given that information to the police. I too made out a police report when this took place the first time and reported the new attempt involving my new account number too. The Personal Banker told me they caught an image of the license plate taken that was used to attempt this crime the second time. But later she recanted that statement, changing her story and stating there was never an image taken of these people or license plate number. I was also informed by the investigating officer that the bank never reported the first theft.

I have not found out if the same teller was involved or not! I'm in the process of closing out my accounts and switching to a different bank. I received my money back after I sent a complaint to the BBB and my state Attorney General! I will never do business with this bank ever again nor recommend this bank to any of my friends and family! I would like to know if I have a case of any kind against this bank.

Our house is in the 4000 feet elevation near Idlewild, CA mountain resort area with 1.01 acre property, 30 oak trees, and views of the valley and mountains. I sent a letter to U.S. Bank with listings from 3 recent sales in our area which ranges from $272,305 to $595,000, and they say that they can't do anything, it's just the appraisal that is low.

A few years ago Washington Mutual Bank (now Chase), opened an office within a block of my home, and sent me a letter (that I still have today), offering me a very high line of credit. I changed my checking account to their bank, since they were in walking distance of my condo.

At that time, I had no interest in a line of credit, and still had a small amount of savings. One day, I took that letter to the manager of the bank to inquire why they would offer me such a high line of credit. He took my financial information, balance on my mortgage with US Bank, and informed me I qualified for $70,000 line of credit. I opened LOC (that turned out to be with interest only), and my intention only being able to supplement my income in the future, in the event I had any medical emergencies, etc. Unfortunately, my health did change too quickly, and I had to start using some of the Line of Credit.

I had been told about a program with NACA that might be able to assist me. I then went to a meeting with NACA in Tampa, Florida. At that time, I was up-to-date with any and all my finances. NACA representative took all of my financial information, advised me not to make any further payments to US Bank and/or WAMU (Chase), and that by defaulting with my payments, I would be eligible for a mortgage modification. I had a check in my hand to mail to WAMU (Chase) at that time, and he said to not mail it, and they would be able to help me after I had missed those payments. Unfortunately, I listened to them, and after three months, I tried calling the Tampa Office of NACA, and was told they were still working on my case. By now I have missed four months of payments with Chase but kept up all auto pays with US Bank. I then went to Chase in Tampa, to explain why I was delinquent, based on the information I had gotten from NACA. That gentlemen was very professional, and explained that NACA gave me bad information, and I should get my payments current. I then gave him one check for the first month I missed payment, and advised him I would be current with all payments very shortly.

When I arrived home I called NACA to check on the status of what they were working on for me. I was delayed again, so I went ahead and paid all outstanding amounts to Chase, and kept them current through today's date. Not long after that, we called NACA again, only to be told I did not qualify for help, and that papers had never been sent to them from the Tampa office. It is evident I was misled by NACA, and went through having Chase apparently report my late payments to a credit bureau, even after Chase assured me they would not, since I was making all payments current. Again, my health continued to get worse, and I needed more assistance with every day living. My savings were gone. I went from one doctor to another with my health problems, had to have back surgery, and then December, 2008, a careless driver ran a red light, when I had the pedestrian walk light, and hit me, knocking me out, and just barely missed my two great granddaughters, who were with me. Unfortunately, the woman only had the minimum of $10,000 insurance, which did not fully cover all my medical and caregiver expenses. Now I have exhausted my Chase Line of Credit, and find it difficult to pay the interest only to them, along with my US Bank mortgage payment.

I have run out of money, and means of getting any help from anyone. I started working with US Bank about doing a modification of my mortgage since around February, 2009. I finally got a letter from them March 11, 2009, advising me I qualified for modification, and they would be doing an appraisal. Since that time, I have made monthly calls to US Bank, and have gotten a different person with each call. One time, their computer was down, and they would get back with me. Another time, the appraisal had been received and the value was down. On a later call, the computer was down again, etc. For almost nine months, I have had hopes that they would finally give me the modification they said I qualified for. Also, during this time, I am working with Chase, since they assured me they could also help me, but only after US Bank makes their modification, and I can give them a letter from US Bank having approved me. As with my situation with US Bank and all those delays, now Chase has done the same thing, delay, and they recently closed their file, until I get approval from US Bank, and say they will reopen it at that time. I can afford to continue living in my condo, only if US Bank modifies their loan, and Chase will also help me. I have no recourse, but to go to your financial institution, and the president, in hopes of this coming to a quick, satisfactory conclusion. There is no equity in my condo now, and too many condos and homes not selling, so my need is to get assistance from both US Bank and Chase.

Unfortunately, if I cannot get some quick help, I will have to drop all of my medical care premiums, including drugs. I have applied for additional assistance and did not qualify. I may be living on the street like so many others that have not gotten the assistance we have been promised by the Stimulus Plan and the Mortgage companies. At age 78, with no place to go, and no end in sight from US Bank (who, only yesterday, told me they have changed their mortgage processing and needed me to submit a paper application. This starts my process all over again. In resubmitting all my information again, it will take about four more months to get a reply). She also said that unless my account was in default, that there was nothing they could do to assist me.

I love my home, I love my country, I love what our president is trying to do for us, and unfortunately, all means appear to fall short of helping me stay in my home. You may call me, email me, or write me at the information listed above.

I demanded my money and was denied on three different occasions. I’m not sure if this is legal for them to hold onto my money, but I am not able to pay my PGE that is scheduled for disconnection next week and my cable has been disconnected and I am short for my rent. My money has been held since 12/30/2009. I did finally receive a letter and it states that my funds will not be released to me until after the 01/19/2010 and I should receive a certified check. I want to know, can a banking institution hold onto your funds the time frame mentioned above? Please advise.

Here is what happened to me. I accidentally overdraft my account, this being because of another rip off organization called Telemate. It was the only way to communicate with a relative in county jail. When you accept their call, it doesn't tell you what the costs are, so you are unaware of the inflated prices. A half dozen short calls (under five minutes) totaled almost a hundred dollars. This caused my bank account to be overdrawn unbeknownst to me. In turn, the bank charged its unwarranted penalty; I think it was $37.00. To add insult to injury, they charged an additional $8.00 a day for each day it is over drafted. This piles up while it is going through their offices and then snail mail. If you are like me, you don't read the lengthy contracts it would take a lawyer to read and don't expect to be abused in this manner. So It is probably in the brochure they give you on regulations.

Buyer, beware of those hidden costs. It is probably legal but not ethical. I am outraged at the abuse. It is bad enough that most banks punish the poor with over inflated overdraft charges but this is going beyond that. Also beware ReliaCard unemployment drawn on US Bank in my state. These folks charge some fees. And you can't get your money out if you lose your card until they replace the card in the mail. Other alternative is to transfer the funds to your regular bank which takes a few days or get a direct deposit for your bank.

Cami told me she moved the money to a savings type account and sent me on my way. My fault for not investigating how this was so easy, and that's because it was never done. I would have needed to close the current account and open a new account to remove the ex. Looking at the recent complaints, I understand now why my ex is so frustrated with this overage thing. His employer sends checks he deposits, and US Bank sits on it for weeks to clear. I have spent so much time and energy to be treated rudely and insulted. The customer service department won't answer my phone calls anymore. They know they are wrong and won't admit it and won't give me my money back. When I realized what they had done, I freaked and pleaded to return my money. I paid my mortgage the day before they took the money.

I immediately closed my account and spent 3 hours a day for a week trying to resolve the issue to only be returned back to the start, which is the branch where my account was opened. Closing my account and ending a toxic relationship with my "personal banker" was the sunniest day I've had since this started, because I left with my money, drove down the street, and realized that US Bank doesn't care about how many people they steal from. I was treated nicely by Boeing Credit Union. But to top off how stupid US Bank systems are, I just found out that my car payment was sent by US Bank to the loan institution from a closed account. Do I dare call and let them know about this.

At that time, I will have accrued over $100 in fees associated with this 48-cent loan. The due date on my water and power bill is the day before I get my check and would cost me the entire amount but US bank feels entitled to take half of it in recompense for this 48 cent loan. I may then have my power turned off and also be assessed reconnection fees with the DWP because of this. I know they call it a $35 courtesy fee, and the $8 per day is called a fine but this loophole in their jargon essentially allows them to charge me 207% interest on a one week loan. This is clearly a usurious and malicious rate designed to prey on the poor, to take desperately needed income that people need for food and utilities and redirect it to the banking industries' pockets.

I specifically asked what I needed to pay to be in the clear and have the account closed again, since I thought it was already closed. I then received another statement the following month saying that I owed a very small amount of money. I called again and asked the same questions, informing them that I had been through this the month prior and just wanted to be in the clear. I went through this with U.S. Bank for approximately 6 months before finally receiving a statement with a $0 balance.

So I continue on with my life in the Air Force and move from CA to VA, only to receive a letter in the mail 2 years later from their asset management company saying that I have defaulted on my U.S. Bank account by $1160.30. I was not aware of this debt and searched for my account statements but was unable to find them at the time. I contacted the asset management company and settled with them for $600, because I was afraid of their threat to take me to court. I then located my last 2 bank statements for 2007, and just as I thought, my Aug. - Sept. 2007 statement has a $0 balance.

I then contacted the company that I paid and was transferred 3 times and put on hold for 20 minutes before I hung up and called back, only to find out that the person they were transferring me to wasn't even working. I was put in contact with his manager who informed me that I needed to take it up with U.S. Bank because they did everything legal and that I must have done something wrong but that they wouldn't handle it on my behalf. U.S. Bank would have to contact them on my behalf before I can have a refund.

So I called U.S. Bank and was transferred to the recovery department who informed me that he could see that my account was in fact closed in 2006 but then reopened and something happened to give it a negative balance but that he couldn't see what the transaction was. He informed me that I needed to contact customer service again and ask them to order a "statement history." I did this, and after asking them for Jan. 2006 - Dec. 2007, I was told that I would be charged $6.00 per statement since they had to get them from their archives.

So, I already paid them $600 that I didn't owe them. But in order to clear my name, my credit, and get the block that was placed on my SSN, telling banks not to allow me to open an account, I have to pay them more money that I don't owe them. Is this legal? Is there any way to get this money back, clear my credit, and get the block removed without going poor? I made one mistake, and in trying to fix it, they have messed up my credit and cost me more money than I can count. Can anyone help?

After paying a bill of $169.18, I then proceeded to withdraw $141.97 from a non-US Bank ATM. The next day (Saturday, December 12), I again logged onto my online banking site and was shocked to see that the $200 checking account advance had inexplicably and completely disappeared from my ledger. Not only was that alarming, but the debits made from my account on Friday - a total of $311.15 from the bill payment and ATM withdrawal appeared as pending authorizations and the $20.37 from purchases made on previous days had now been processed and subtracted from the account. I had no explanation as to how Friday's $200 checking account advance had been removed from my transaction history, and since it was then Saturday evening, I feared it would be too late to reach the branch and have this investigated.

However, my online account showed that I had the full $500 limit of checking advance funds available, and since my balance did not yet appear as negative (although I knew it would be soon due to the outstanding checking account authorizations), I immediately had a $360 advance added to my account. This immediately appeared in my available funds, with a date of December 12, bringing my balance to over $200. Thinking I'd dodged a bullet and that the matter was solved, I proceeded to make a number of small debit card purchases on Saturday evening and the following Sunday. The next shock came several days later when, on the morning of Wednesday, December 16, I logged onto my online account and found that my balance was -$314.80 due to nine overdraft charges of $37.50 apiece.

In addition, transactions made over the weekend were out of chronological sequence and the $360 checking account advance received on the 12th now did not appear on the ledger until December 14th. When I contacted US Bank to have these charges reversed - due to the unexplained online banking error that erased my $200 advance from the 11th which initiated the whole mess, I received no assistance. The 24-hour banking specialist who handled my call, identified as Kelsey, did admit to me that my case was not unique but refused to offer any assistance because I could not provide a print-out of the receipt received for the advance. I was then directed to my local branch for any further inquiries.

When I called the branch around 9:30 on Wednesday morning, I spoke to an assistant manager, Mindy, who listened to my concern and gave me the impression that the issue could be resolved relatively easily once she contacted their online department to verify that I had indeed logged into my account on the 11th. I was instructed to wait for her call. After 3:00 p.m., I had still not heard back from the branch and decided to call back and check on the status of my case. I received little information, save the hardly reassuring claim that e-mails had been sent regarding the issue and that I should expect to be contacted before the bank closed at 6:00.

Finally, just before closing time, I received a phone call from another assistant manager, Luke. He was rude and completely uncooperative initially and I had to plead for over 15 minutes just to get four of the ten overdraft charges - which all were incurred due to bank error - reversed. It was implied that this was somehow a huge favor to me and he even flaunted the fact that US Bank uses its customers' overdraft fees as a source of profit. As I would learn both from customer service representatives at the bank and from researching other consumer's complaints, US Bank not only rearranges the dates and times of transactions, but its overdraft fees (which apparently are the highest of any bank in the country) are not reflected in pending transactions or available balance and are subtracted from accounts retroactively.

I submitted all the related paperwork, and they finally approved a loan for me. I knew the interest rate would be high (a whopping 20.9%), but I would be able to actually purchase the car in about six months. So as long as there was no prepayment penalty, I was fine with this. I had no other choice. I received the package of docs on Friday and noticed that rather than the US Bank approved sale cost of $15,746, they were charging me $24,720.75. I was shaking. I called US Bank and was told that this must be a mistake and that they sent the wrong figures to Walt Sweeney. I contacted Sweeney and was told by Mike that there was no error but that was the acquisition fee. Are you kidding me? I would already be paying a huge interest fee. This is gouging and predatory lending. A markup of $8974.75? I have a call into US Bank waiting for their reply.

I called the company and gave them an opportunity to change their mind before I transfer my money to a company that is listed for better credit card practices (Capital) and the representative said no and was not able to give further explanation as to the reason for the decision other than the economy. I am voting with my dollar and not working with predatory credit card companies anymore. REI VISA will never get my business again!

Friday, on my lunch break between 5:30-6pm, my co-worker and I deposited our paychecks into the same ATM. My transaction was done first. I haven't banked with US Bank for long, and my friend warned me that I would have about $100 to use right away and the rest would be processed within the next day or so. I got gas, and a small transaction I had previously made finally came through. Today is Tuesday. I walked into Cingular this afternoon to take over my old plan and was ready to purchase a cell phone. I thought, I better check my bank account to see how much money I am working with, considering my rent must have came through by now.

When I called my mom to look online for me, she explained there were 3 overdraft charges of $37.50 each! I was very frustrated. If my bank had cleared my deposit, this would have never been an issue, because the funds were in there! I finally made it to a computer. I wanted to see for myself what it was that caused the overdraft, thinking maybe I'd forgot about a payment or something. Well I hadn't! On top of that, when I looked, my account never went into negative. So I sat their wondering how I could have overdraft if my bank was within positive standing.

Before I go any further, about a week ago, my insurance company took out a payment that wasn't authorized and overdraft my account. So I had two overdraft charges pending. When I called to explain my situation to the bank branch, I was informed I needed to call Customer Care because they handled overdraft charges. I thought that was a little funny, but I went ahead and called them, desperate to get my money back! The lady I spoke with didn't ask me any question, put me on a brief hold, and refunded both of the overdraft charges. I was pleased and very grateful, and I hung up within good standing of the bank. I told numerous amount of people that day how much I appreciated their help and that was what customer service was about!

So once I'm on the phone with Customer Care, this time after noticing the 3 overdraft charges, I'm certain they will work with me and everything's going to be okay. After all, this wasn't my fault. I talked to two reps, and both told me that only the bank I opened my account with would be able to refund those overdrafts, if they felt it was for good reason. I thought that was a bit contradicting and confusing, considering I'd been told previously that they couldn't do that over the phone.

I hung up with Customer Care, and a lady named Jackie answered. She was pleasant at first after I explained what had happened. I explained to her that I honestly wasn't aware they were going to hold my funds for so long, and that it'd be appreciated to just take this as a lesson learned. And I asked if she could refund those charges. I clearly don't have that kind of money to fork over! $112 in OD charges!

She said she could definitely helped me and asked if I would be willing to get a credit card or add a credit line onto my account to further prevent this from happening again. They called it OD protection. I thought it was a good idea, and I agreed. When she ran my credit for the credit card, I was denied. She then offered the credit line. I stopped her and asked her if I do get either one of these, if she's going to reverse my overdraft charges. She said that she could reverse all 3 transactions. I was denied for the credit line. Her words were this: "Well, I am sorry. Because you are trying to work with us to find a solution, I can go ahead and refund one of those overdraft charges for you."

I immediately backfired! How dare she! She just told me she could refund all 3. Now she's only going to offer one? No. I told her that I went along with her options, and that it wasn't my fault I was denied. That none of this was my fault. I didn't need to find a solution to begin with to prevent overdraft charges. The only reason they occurred to begin with was because they didn't do their job and process my check to have it cleared. I explained that I thought it was extremely odd that they can withhold funds from my paycheck but yet they can't withhold transactions coming through. I explained I thought that was extremely ridiculous and that those overdraft charges never would have occurred if they'd just done their job. I clearly did mine!

She said that it was policy and I should have gotten a brochure. She then asked if I would like her to send me one, and I can't tell you how many times she continued to ask me that. I told her I didn't want a brochure. Clearly I'm aware of their policy now, and what I would like is my money back and for this to just be a lesson learned!

After arguing with Jackie, I finally asked to speak with a supervisor. She told me she was the branch manager and the one to handle these situations. I told her the only thing she is handling is the way she keeps repeating her self to me when she's not resolving my problem. I finally told her that there had to be someone above her with higher authority! She finally gave me the name & number of this gal named Natalie. When I went to hang up the phone with Jackie to call Natalie, Jackie said to me "Do you want me to refund this overdraft charge?" I said, "Well, yes!"

I got on the phone with Natalie and explained my situation to her. After I gave her about this 10-minute spiel of what was going on and that I'd just appreciate some kindness and understanding for all of the miscommunication when I first opened my account, I made her aware that nobody explained the policy of depositing checks, and so fourth. Her first words to me were "So what is your question?" Oh man, I wanted to punch her in her face! I remained calm and explained what I wanted. She started to pop off and say that she would have to side with Jackie. While looking at my account, she decided to say that whether my deposit had gone through or not, I would have had overdraft charges either way. I too was looking at my transactions online and went through them one by one with Natalie, explaining that she was wrong. After taking the time to go through that, she insisted in explaining things that made no sense. She couldn't answer any of my questions.

Finally, I just told her that this was horrible customer service, and I was fed up. I also said that they really need to find a better way to explain policy procedures with their customers one on one and that being fully unaware they were going to withhold funds that were clearly in there and then charge me overdraft fees was ridiculous. Natalie tried to tell me that since they'd already refunded two overdraft fees within the past couple weeks out of courtesy, they are unable to refund anymore. And she said that if they hadn't already done that, they may be able to refund these current ones.

I was furious! First of all, I made her very aware of my appreciation and how grateful I was for the refunds, how much it helped me out, and I was proud to claim them as my bank. However, these overdrafts were because of their mess up, not mine. So therefore, I'm not going to take responsibility for them. If it had been my fault and I just went on some crazy spending rampage, sure, I'd accept the overdraft charges of now $75.00 with the 1 refunded back. However, it wasn't my fault, it was theirs. And as them being a place of business, they need to put their customers first and take care of the problem they created and reverse my transactions.

This went on for a while, and finally Natalie said, "I'm not sure you know how to run a business." I said, "Excuse me? No, I've never ran a business, but I bet your ass if I were to, there's one thing I know and that's customer service. I've been in customer service for a long time and for the past year as a customer service rep as well as sales manager. So I know how to take care of a customer, and that is not what you are doing."

She then said, "So are you saying that if I were to refund these overdrafts for you, you'd be a happy customer?" I said, "Oh, I'd be thrilled!" She went on to say that she would call Jackie and talk with Jackie about what they can do but that it was up to Jackie. It was also said that they'd call me back by the end of the day. I told her they better come up with a solution.

Jackie called me back and acted as though she was confused as to why she was supposed to call me. She asked if I wanted her to. I said, "Natalie was supposed to be talking to you, and you two were supposed to come up with some solution for this mess. Did you talk to Natalie?" She went, "Oh yeah, we talked. The decision is final."

After going off on Jackie some more about poor customer service and some other things, I told her that if she can't refund my overdraft fees, all of them, I'd be there in the morning to take all of my money out of the bank and take my business elsewhere. Jackie then had the nerve to say "So you want me to reverse this refund, because you don't agree?" I then told Jackie that if she dare touch/reverse that refund and it's not there in the morning when I come to pick up my money, I bet her ass she'll be speaking to my lawyer.

I'm so fed up. All I can say is I'm going in there tomorrow face to face. I don't know if it'll be the same branch. However, if they don't resolve this, I will be taking my business elsewhere, and I will cause the biggest scene. And I mean the biggest. Ridiculous!

Two days went by, and I did not hear from anyone. Then on Wednesday, I received an email from American Express Credit Secure, which is a credit monitoring service I subscribe to through American Express. I logged in to find "US BANK - Local Branch" had pulled my credit. I was immediately confused as to why this would be and then recalled the visit I had to the White Bear Ave. U.S. Bank Branch. I thought it was strange that I never received a call as promised but the branch has pulled my credit. I used to be a loan officer and know how deceptive loan specialists can be, so I became outraged. Had it not been for American Express' credit monitoring service, I still would not have known about this breach in my consumer rights, which is outlined in the Fair Credit Reporting Act.

Before going further I want to give a full background on my experience with credit and FICO: I lived in Canada from age 18 and had spotless credit. I moved back to the U.S. and realized my credit would not transfer and I had to establish it from scratch. I spent months researching and studying how FICO generates the scores and the different factors that come into play. Much of it is a trade secret, but many reputable credit specialists have concluded 10% of your FICO score is generated from the number of inquires on an individual's credit report. That being said, someone who is trying to establish and build their credit would be wise to watch each and every inquiry on their report. More credit inquiries results in a lower score, which results in higher interest rates. This is a fact.

Now that I have given you the background, you might be able to further appreciate my frustration and anger with U.S. Bank for pulling my credit without any prior authorization. Not verbal, not written. The following statute outlines consumers' rights under the Fair Credit Act. This can be found on the government's website. FCRA 616. Civil liability for willful noncompliance [15 U.S.C. 1681n]: "Any person who procures a consumer report under false pretenses or knowingly without a permissible purpose is liable for $1000 or actual damages (whichever is greater) to both the consumer and to the consumer reporting agency from which the report is procured."

I am therefore requesting what is entitled to me under Federal Law, $1,000. I am in the midst of expanding my existing business or starting another business. I own a carpet cleaning company and also work a 9-5 job for a property management company. The increased cost I will have to pay on borrowing money because of higher interest rates on loans caused by a lower FICO score that is the result of an unauthorized and undisclosed pulling of my credit by U.S. Bank is responsible for this.

When I tried to call U.S. Bank and talk to them, I was put on hold by a Dustin for over 10 minutes. After I told him my story, he stated he needed to put me on hold to 'check on something,' which resulted in an "over 10 minutes" delay. When he returned to the line and I explained it had been over 10 minutes, he said, "Actually, it has only been about 6 or 7 minutes." He was cocky, rude, and unprofessional.

I have my paycheck direct deposited with U.S. Bank. I have my mortgage with U.S. Bank. I liked the idea of them being a local company and not a giant chain (i.e., Wells Fargo, Citi, etc.), but this whole mess has made me reevaluate where I bank. U.S. Bank, BBB, or Media Outlet, please contact me to get my full story on the deception practices at U.S. Bank and why my anger is to the point of me writing this letter. Thank you.

I called back next month, and they said they would do a re-construction loan and lower the payments. I'm not to pay the payment for the next 2 months, because it would interfere with the loan amount. When they called me about the new loan papers to be signed, she said she would overnight them and we would have to go to the notary, sign them that day, and send them back to her by the next day. If they did not have them back in two days, we would lose the loan. My husband and I had to go to separate notaries and got them in the mail that day as told. We did not receive a copy of the loan. She said she would send us one when she got that back.

They told us the loan would be $654.04 starting June 1st. I received two bills the first month, one for $938.47 and another for June of $959.68. And for every month after that, the bills are over $900 a month. And they brought the loan amount back to the original amount 4 years ago and tacked 6 months of payments to the back of the loan when only 4 were missed (2 on their instructions). Then they extended the loan to 40 years! It is a 1971 mobile home. Then there was a flat fee of $500 for the loan, and they charged us $680 adding on miscellaneous fees. They said no other fees, flat fee only.

So as you can see from this complaint, I am still in trouble as they have charged me extra for the loan, other fees, and penalties; and they raised my payments almost $200 a month. Oh and I almost forgot, they hold out about $400 more for property taxes than are due, and I have never received a penny back on that. I have called and called, and they refuse to return calls or give me a copy of my loan. This is the worst bank I have ever in my years had the misfortune to try and deal with. Stay away from this big gigantic headache.

Needless to say, when the dealer called US Bank, they got a payoff of $24,345 or $1,300 more than I was told. I called US Bank and was told they can charge whatever they want for the car. They said they typically charge more for dealers than for customers who purchase the car! Of course, who gets stuck for $1,300? Me. Thanks US Bank of crooks! The finance manager has been running auto financing for 15 years and had never heard of this. His wife is the head of finance for all the Momentum dealerships in Houston (two BMW, Jaguar, Aston Martin, Porsche, etc.). She had never heard of this. A good friend of mine is the head of auto loans for all of Chase. She had never heard of this. Never do business with USE Bank.

I called the bank's phone number on the letter and it was answered by a man who didn't speak English, so I called the 800 number. I was told that the call center had far too many people call to care about me and that I should contact my post office and my branch office to see if they could help me. I did call my post office, that told me that since I had put in a change of address last year, it would have normally been forwarded to there but the bank had a statement on their envelope that said "return address requested" so they returned many statements to them with the new address as per their request. The bank never tried to contact me at all, even though they had my phone number and my email address, aside from my mailing address and more than that, I am living at the address that they had used for the statements.

I spent the next few hours trying to find my new branch since the old one had been closed many years earlier and once found, I called them right away and was told that they could not help me because I did not originate the account at their branch. I was told that I actually no longer had a branch and should call the 800 number to see if they could help me. So I called the 800 number again to see if they would help me and after being on hold for a while and then transferred to the business banking area, I talked to someone who was going to try to help resolve this issue. They put me on hold for about 20 minutes and then I was disconnected. I was so upset that I decided to wait until today to try this again and I was told to call back on Monday because the business bankers were not open today.

Well they are going to close the account on Monday and report me to some bad debt place now and believe it or not, they are still charging the account the $8.00 per day. I need someone to help me with this. Apparently, they have been charging this account every month since last December or so until they ate up all the funds that were in the account and then started charging the overdraw fees. They did tell me that if I want to have the charges stopped, I needed to bring the account up to a positive balance. I did not take it to a negative balance so I do not think that I should have to pay them for something that they did. This seems like a great big scam to me!

Ford checked into it and found that US Bank did receive it and deposited the check in November of 2008. I called US Bank back and told them. It took several days to clear it up but US Bank said they would only reimburse me for three months of payments and that I would have to go back to Ford for the other payment. When I turned this truck in, there was no damage and less than 40,000 miles in 4 years. This truck sat on Ford's lot for 5 months and no telling who used this truck. In April, I got a letter from US Bank saying I owed them $900 for the termination fee and damage on the front and rear bumpers. The bumpers were not damaged.

I called US Bank and told them and requested pictures of them. A month or so later, I got another letter but this time it only said ware and termination fee owed. The last letter I received from US bank was a demand for payment or it will be sent to a third party for collection. It's not the money. It's the unethical business practice of US Bank.

If a vendor puts an authorization amount for a purchase made with a debit card, that amount is deducted from your account. If the purchase amount is less than this authorization amount, the difference will not be put back into your account for 1 to 3 days! So if you make a $1 purchase and the vendor has an automatic authorization amount of $50, $50 is taken out of your account. Then 1-3 days later, $49 is put back into your account. So it becomes very easy for US Bank to overdraw an account with funds, then charge you for overdraft fees and over limit fee of $37.50 per day on the debt. They ran this account through over $600 in one month doing just this sort of accounting. If this is not a rip off, what is?