US Bank Reviews

Even though we were trying to get modification, we were told that we were going into foreclosure. We also found out the gentleman my wife was speaking with about the modification had his name forged on documents they sent us. I finally told my wife to contact the local VA office since we bought our house with a VA loan guarantee. Within one hour of talking to the VA rep (who was great), US Bank called us apologizing, etc. Within a few days, we were told that the modification was approved, our rate was lowered, and we were now current.

Recently, we have had a couple of financial setbacks and my wife is talking to them again and trying to make a payment. She spoke to someone last night who was great and said she would call back today. Now she called back and can't get the same person. She is on her fifth person and going over things once again and about to have a meltdown. These people are ridiculous. Their service is horrible. Most of the people we have dealt with are rude and clueless to what they are talking about. It looks like it's time to call the VA again! Stay away from US Bank!

I called to get a new card and was told the account was closed and I will have to reapply to have it reopened. I was never notified it would be closed or was at risk of closing. Again, all payments are current and never received notification online or in the mail that this was happening. They claim the returned statement triggered the closure. So now they are losing a high interest paying account. I will pay off in the next few months because of their broken system. I would easily qualify for the same line of credit, but I refuse to do business with an organization that is clearly incompetent and will likely use the closure to leverage worse terms on my account than I currently have/had.

We contacted an HVAC company that was well-respected in our community and received a replacement estimate. In the meantime, it took one complete week to dry out the house. What a mess! The State Farm Insurance Adjustor came out that Friday and assessed the structural damages and even hand delivered a check in the amount of $7400.00 for full replacement of the heat pump and all duct work. The check was made out to us and US bank. I called them to find out the proper procedure. I gave details of the incident and was then asked for the claim amount. I told her that I did not have one and that State Farm was not completed with his "estimate" on our house. I was given a tracking number, telephone number and fax number for the US Bank Loss Draft Dept. She instructed me to mail it to their office in Springfield, OH and if I wanted the check back via overnight, I needed to include a check for $9. I sent it by Express Mail - USPS.

I finally received a call today and they were missing several pages of the 21-page Structural damage report from State Farm. The HVAC was written separately and was not included in the "estimate". I sent another check for the structural damages in the amount of $13,397.03. I called US Bank Loss Draft dept this afternoon to follow up on the HVAC payment. The rep informed me that they did not receive all of the 21 pages and the $7400.00 was on hold for endorsement. I tried to explain that it was paid off of the actual invoice of the HVAC company and not an advance payment. After threatening to video and place on YouTube my 2-year-old waking up in the middle of the night crying that she was cold, they retreated and said that they would endorse this evening and mail out overnight. I mailed an extra $9 in per their request for overnight delivery. This was an essential living requirement, especially since starting Thursday the temps will get down to 22 degrees.

Thank goodness the HVAC owner had a heart and started on replacing the ductwork and was willing to wait for the check to clear our bank even after he completed his work, all so we didn't have any further issues and my children were warm. Also, I got to thinking about the other check we had sent them that they will receive on Wednesday, Dec 19, 2012. I wanted to make sure there was not going to be a hold up and boy was I wrong. The 3rd call to this department led me to another rep and she informed me that there were forms that were required for them to have prior to them endorsing the check. Again, another surprise procedure and/or required item to have completed before you get any money from State Farm. I have a $2000.00 deductible that I paid to ServPro and the Christmas holiday right around the corner, I cannot advance any funds while waiting on them to send this check. Actually there are none.

My 7-year-old house needs all new flooring in the house except for my room and the room directly across the hall. The US Bank rep said that there were numerous forms for the subcontractors to fill out. If my husband wanted to do work on the house, there was another set of forms for the private homeowner to fill out. The contractor forms could have been mostly completed if I had known about this upfront. Now 2 weeks later, we are still not closer to getting my house put back together than before this all happened. Should my husband want to pull the toilet up to allow the flooring people to do their job and reset toilet after they are completed, he will need to fill out the previous mentioned set of forms, and also include a previous employer recommendation letter on their letterhead documenting his contracting skills and number of years experience. Once you submit that, as long as you have not been late on your payment within the last 12 months, they will consider his request. They may approve him or reject his application.

This takes about 5 business days. However, all of that can be avoided if you have the plumber fill out the contractors set of forms, and pay him $95.00 an hour to come and pull a toilet up off the floor and then have him come back and reset the toilet again once the flooring people are done and pay him another $95.00 an hour plus materials. As homeowners, are we required to have qualifications or a plumber's license to repair a leaky faucet or be a licensed electrician to replace a ceiling fan in your house? What concerns me the most about this requested documentation is that when we refinanced our loan for a lower interest rate and moved it from Bank of America to US Bank, not one single underwriter asked for this information. Would you not think that it would have been more appropriate to get the "contractor's name" before securing a loan for $117,000.00? Maybe the fact that during this process, the appraisal value came back at $195,000.00 and they saw dollar signs at the amount of equity that this home had. I think that would have more foundation to it versus a check for $13,397.03.

If I wanted to uproot our family of 5, I would be better off placing a "For Sale By Owner" sign in the front yard, sell the house for $170,000.00 and pay off my mortgage of around $109,000.00, walking away with $61,000.00. Apparently that is not their way of thinking, they are wanting to prevent you from taking the $13,397.03, not do the repairs and walk away from the mortgage. On the 4th call to them today (my calls to US Bank were from 1pm through 4pm), I was routed to a Senior Account Resolution Specialist, a 3-year employee, who told me that my check was being held because it needed "special approval" due to it being over the claim limit threshold of $10,000.00. Ok, let me apologize to you US Bank, that my house had 1500 gallons of clean water dispensed into it and caused $15,669.07 worth of structural damage. I was up to 3am on December 4th, crying as I was watching ServPro pull baseboards off walls that I spent days on priming front and back, painting with oil base front and back twice and then going behind my husband filling in the finishing nail holes.

Watching them scrape up in chips and pieces my special order Durastone tile in my kitchen, one of the two rooms that I wanted built a certain way and that was that. I painted every wall in this house, every piece of trim and I even carried block to my husband while he laid the walls for the basement up into wee hours of the night. So when you have sweat at the brow building the American Dream and it can be taken away in no time by a disaster, it hits you right smack in the gut. I thought that day was the worst. No, not even close. The three hours of my afternoon, talking with 4 different US Bank loss draft reps topped that day and then some. I was reduced to a complete blubbering mess by 3:40pm. I knew I did not have the time to get all the required forms filled out and sent to them, get the check (that our bank would place a hold on for 5 days) and flooring down so my kids would not have to sit on plywood sub-flooring and unwrap their Christmas presents. We have been walking around with shoes on to keep from getting staples or splinters in our feet.

Try standing on the hard sub-floor while cooking dinner each night. My back and shoulder blades ache every night. My 4-year-old thinks that Santa is mad or doesn't like our house because the Christmas tree had to be moved into a corner while ServPro removed flooring and dried the sub-floor. It is not in front of the door where Santa can see the lights. It's extremely hard to remember the reason for the season but we are trying while my throat has gotten scratchy and my sinuses are clogged from all the crying. US Bank will still continue to hold this check to protect their investment, money, which actually belongs to State Farm not US Bank. It almost makes you think twice about filing a claim. What could I have done with that $2000.00 deductible that I sent ServPro? My husband and I worked hard on building our home. We worked a lot of hours at our jobs. We do so because we want to have our house paid off. US Bank drafts on the first day of each month, the mortgage payment. It is never late and never has been since the first payment we made to Farmer's Bank and Capital Trust, Frankfort, KY.

My husband will be going to get a loan from our bank for materials and labor on Wednesday so we may be able to have a floor in our living room on Christmas Day. This will allow me time to contact subcontractors, take off work, meet them at the house to get an estimate and wait for them to get all the forms US Bank wants in their hands before that check is released. This could have been started 10 days ago if I was informed the day I called in to report my insurance claim. Of course, I would not have mailed the check in for the structural damages until this was completed. Apparently, according to the research I have done on US Bank today, this department is well known and has mastered the vicious circus of red tape/excuses/reasons of why they are not endorsing the insurance check. I even read that they are going to charge me $25.00 per inspection, which they plan on taking out of this money.

There is not a limit on the number of inspections that they make you pay for. They did not do an inspection when we secured the mortgage. We passed every inspection the first time, when we built our house. I plan on contacting an attorney to seek legal advice in how to properly handle this situation. It almost makes you start making a nest egg to prevent having to file a claim with your insurance company, so you don't have your mortgage company dictate how you repair your home.

Secondly, I was employed by US Bank for a short period of time, and of course, they require their employees to start their direct deposit paychecks into their accounts. As soon as I quit working and no longer received a paycheck from the employer, they started charging me monthly fees for not having a certain balance, and behold, they reported me to a credit collection agency! Ridiculous!

I redeemed by my FlexPoints on the credit card recently in exchange for a $50 Visa gift card. I tried to use the card they sent, and of course, in my grandmother's name. They jacked me because when I went to pay for my purchase, there was nothing on it! Freaking hilarious, so I tried to call the number on card. And yet again, they would not talk to me because US Bank screwed up and put my grandmother's name on the card. And when I ask for a manager or someone who can help me, the customer rep tells me, "There is no one that can help you.” OK. Sorry grandma. But the joke’s on US Bank. They have refused me, so upon your departure on earth, these suckers can suck up the 10's of thousands of $$ on their own, because they will not get it from me.

Personally, I feel this was bad business on the part of U.S. Bank because I've had my account with them for approximately 7-8 years and never had a situation like this. I also feel this should fall under the category of "Defamation of Character". Now because I have been reported to ChexSystems, I can't open a bank account. Also, the collection agency harasses me on a daily basis. I am now seeking Legal Counsel to assist me with this horror!

Yes, the contractor took a 50% cut to even do the job. The bank said they had no interest and to let us know after we came to an agreement. Finally, I got the contractor started and I have to have an inspector from the bank come to inspect the progress of the repairs. This was new also at that point in time. I was told by the U.S.Bank that they would charge me $25 every time the inspector came to the house and that they would only allow certain dollar amounts released according to the work that had been completed. Take in mind that every time I have to call an 800 number to talk with someone and this started a whole entire process in and of itself.

They mailed the checks to the wrong address. I was told on countless occasions one thing then the next time told the exact opposite. No one at the bank has ever been able to give me a straight answer. I asked why this process is in effect. The response I received was that it was government regulation that started early in 2012. I plan on filling out the complaint form that will be sent to me on Monday with the final check which I was told was actually mailed out on the 7th of November and today was informed when the check had not showed yet that it was human error. The solution they gave me is once the check is processed that they will mail it overnight at their expense. I asked to speak to a supervisor and was told that they will not speak to me. My suggestion to anyone that reads this is get your mortgage away from U.S.Bank. That is what I plan to do if I ever make it through this process.

I have made meticulous notes, and today they tell me appointment was canceled by CoreLogic (we never had an appointment since they never called) and that she called them and talked to a Nathan who said they'd call tomorrow. But she told me I should wait until Friday to expect a call. I have a deck and outside work to be done yet, and it is 30 degrees here in Missouri. How do they expect me to get this done before winter with temps too cold to do this, and when do I tell the roofing co. that they can get payment? This is poor customer service at best. They expect their payments to be made on time. But should we not expect the same? I'm wondering if there are any other US Bank customers with the same issues as far as claims go. I am considering to refinance with a different company over this.

A week or so later, I called to inquire about the status of the check and was informed that they had neglected to tell me they also require a "declaration of intent to repair" form, which they would mail to me but would take 5 or so business days to receive. I asked them to email it and was told that would take 2 days! Two days later (around October 26), I got the form and mailed it to them that day. To make a long story short, after numerous phone calls to US Bank, here it is, November 8, and still no check! Thankfully, I was able to afford to make the repairs and wait for the check. But had I not… no heat or hot water with below freezing temperatures would have certainly put my family's well-being in jeopardy. This is the most callous, insensitive, inadequate lending institution with no regard or care for the well-being of their customers. They should not be allowed to hold mortgages when they ignore the responsibilities that go with it.

On 26 Jun 12, we spoke with the resolution dept. (Christine & others) and were informed that paperwork from our contractor did not have a zip code, and additional documents were also needed, we were never notified. The documents/forms were to be emailed to us; after two separate requests for the paperwork to be emailed, we finally received it on 12 Jul - we had to pick up a FAX from our local branch (they were never e-mailed)! On 12 Jul 12, we spoke to Leah from the US Bank resolution dept. and we were informed we needed more paperwork - so we faxed all the additional info (lien releases, invoices, receipts and letter of qualification) on 12 Jul 12. We then had the US Bank's inspector inspect the work we had completed as required - the job was 98% complete per the inspector who submitted the paperwork 13 Jul 12. On 16 Jul 12 we received our first check less than 1% of original value from our insurance company (we were told that we would get 1/3). Finally, on 23 Jul 12 we received the 1/3 originally promised.

The remaining 2% of the job was completed 1 Oct 12 which we again had to pay for out of our own savings. We submitted all paperwork as required by US Bank (again) - it was faxed from a local branch on 12 Oct 12 and verified with the home office that they had everything they needed to cut the check. We were told that it would take three business days to receive our funds. We called US Bank today, 29 Oct 12 as the check had not arrived. What we found out was that no one in US Bank even took the time to review the info and send the check. Then we were told that it would take 3 business days to process and send the check - this was the same story we received the last time. In the meantime, our personal account has been drawn down for 6 months - US Bank's response time to honor customer needs is horrible. If we took that long to pay our mortgage to US Bank, we would have been foreclosed on! No one you talk in their corporate office seems to be able to complete the task. Even talking to Senior Resolution Dept is useless - in fact, we were told to file a complaint with Compliance Dept - which we will be doing.

So I have my work cancel the direct deposit which cost me $25. So when I checked my account the next morning, it shows that US Bank has now moved the amount due on the advance account to the checking and I am now -$492 in my account. When I called them, they told me to use my cash advance to bring myself even, which will cost me $50, because there is nothing that they can do for me. I asked to speak with the manager and was told that he was on vacation. I was told that he could call me back on Monday as the resolution specialist was laughing. So I sit here with -$492 in my checking because US Bank told me to cancel my direct deposit. They refused to just put the amount from the advance back where it was and leave the due date as the 28th. So either way, I am out money and US Bank refuses to help at all. They have insulted and laughed at me - very degrading and bad experience.

It has been two months since and now, they are coming back and saying that they will not take anything under $70,000. This is a complete joke! Nothing in the entire city where my house is in will sell for anything over $45,000. Now, we are in dispute. I knew that they are stalling because they don't want to forgive the loan but this is an absolute nonsense! There is no way that I will ever get $70,000 out of this house. My house is in the best condition of any short sale that I have ever seen and it will never sell for this.

We have lost two buyers through this process and we are about to lose a third. This is the biggest headache I have ever had to deal with. The bank sucks and every processor who has "worked" the file were the most incompetent workers (as if they do any work) that I have ever witnessed at any so-called professional employer. There is only one star here because you cannot submit a review without choosing a star. They don't deserve even half a star. The star says I'm angry and I am well beyond angry!

Be forewarned; there is fine print and even when read carefully, it does not indicate the dire consequences this can have to your personal credit rating. This will be on our record for 4-5 years and we cannot refinance at the several other banks we have tried, all due to this one month's payment that has been paid in full to US Bank's specific specifications. Even US Bank will not refinance our mortgage to a lower interest rate due to our credit score that they themselves damaged and are fully aware of the reason why.

In hindsight, we wish we would have begged or borrowed money from anywhere to make that payment on time and never agreed to the terms they were so eager to offer us. We have our checking and savings at our local bank and the loan officer there stated it was very unfortunate situation. Our debt to income ratio is fine and we have no other credit issues, yet we cannot refinance or get approved for a new mortgage - thanks to US Bank. Steer clear folks!

Again, I jump through all the online hoops and enter, confirm, answer and repeat, repeat, repeat. Then I get an error: "Can't locate statement." I call customer non-service again, then wait, wait, and wait for an eternity to be told, "Oh you can't make your first payment online. You have to mail the first payment." There was no indication anywhere on the statement; the stupid welcome letter; the first operator I spoke with, or on the website. I hate these people!

I contacted U.S. Bank's fraud office, who instructed that I should close the account and my mother should go to the branch in person to open a new account. On 9/19/12, her granddaughter took her to the branch. Staff there refused to allow another account, citing the three fraudulent charges over the last few years. Instead, they closed out her checking account by issuing a cashier’s check. Bank staff falsely accused my mother of giving out her account information over the phone.

For background, my mother has banked at the same location since the 1940s. U.S. Bank is the most recent corporation to acquire this location. She does not purchase over the phone or internet, and handles daily expenses by handwriting checks or obtaining cash directly from the cashier's window at the bank. The only exceptions of which I am aware are autopay authorizations for her phone and water bills (which I set up myself). It is unconscionable that bank staff would treat her this way after more than 60 years of patronage, and I consider this to be elder abuse. Given this treatment, we are happy to bank elsewhere and suggest that others do the same.

Anyway, to make a long story short, I received the check via FedEx. It had a legit company address, etc. on the package. Anyway, this so-called Carol ** wanted me to send the money back to her via Western Union, so of course I did, like any trusting person would. Anyway, I immediately notified the bank & Western Union & the police department here & the county where she picked up the money. My bank & Western Union did not help me! I understand that it was my fault for trusting people but now, I have all the bank fees which is totally outrageous. Since they put a hold on my account, all my automatic withdrawals made my account in the minus which is still not right since I did notify them both. How is a small business owner supposed to get a break, especially since I have been a valuable customer for many years?

All I wanted was for them to put all those fees back into the account especially since it was also US Bank's fault for cashing the check & knowing that they should have put a hold on the check before cashing it. How is a small consumer to get a break? This is totally outrageous. The fees were way over $100. I guess that's what I get for being honest & trusting & letting the companies know that I was scammed!

My mother will be closing her account with these ruthless cutthroat jerks. They have told my mother numerous lies, one after the other: It's been sent to another office; it's been held up in Michigan; if it isn't here by the 10th, then it will probably take another 6-8 weeks. What the hell? This bank has no one in that office that even remotely knows what the hell they are doing. But I know what I'm doing and I will get something done. And you can bet that US Bank won't like it when I cancel her account and take her elsewhere.

This country was founded on free market competition. It is simply not fair to take business away from your local title companies where real people work and depend on business from US Bank for a living! US Bank claims they will only use large national title companies because of cost savings. However, this is not true. US Bank is discriminating on locally owned businesses, but at the same time they want small businesses to bank with them! This is like the national government saying people can only shop at large national grocers such as Costco, Walmart and Sam's Club and not allowing people to shop at their local grocery stores in order to save money.

I work for a local title company that I love and have worked hard over the years to secure local business relationships with US Bank loan officers to gain their business. But now, all the years of work had gone down the tubes, and many people that are in the title industry throughout America are without jobs because of this US Bank executive decision! When the local title companies contacted US Bank to voice their concerns, we were told that is an executive decision and it will not be changed. Please let the Executive President of US Bank know what a flawed and unethical business practice it is by eliminating local business vendors! The Executive Chief Officer is Richard K. Davis and he should address this issue.

When going in with the paper check, I asked them to deposit it again. My wife was there with me (same address, same last name etc.) They said her name needed to be added to the account. So, we tried doing that only for them to deny allowance of my wife's name on the account because of transaction history. What? Now, we are stuck with a copy of the original check that we can do nothing with. I will be removing this account and going elsewhere. I could write a book on the screw ups this bank does. They are a joke! This is not the only trouble we have had with them. I hope to see them shut down for their snotty business practices and the way they treat their customers.

US Bank did not get some transactions posted so they should not be able to go back and date them before my posted transaction either. As of the time of my transaction, there was money to cash the check (no ifs and/or buts). How could I have made the transfer to savings if I did not have enough money? Multiple transactions support that there was sufficient cash in the account. They have modified financial records to support their claim. Should this not be illegal? They stated it was their fault, but will not give back the fees or original amount until my wife's boss pays the amount. This should not be our problem, but they are attempting to pass the burden onto my wife and me.

I have had a string of fees since I left the bank and they are absolutely unwilling to refund any of them, no matter how unreasonable or unfair (like the $33.00 overdraft fee I was charged because my payroll check bounced, that was on top of the $19.00 return check fee. So all in all, I was charged $52.00 for accepting a bad check from my employer). I hate banking with this bank almost as much as I hated working for them. This is an awful company. I hope enough people complain that they make some changes.

Our latest bad experience is that we are one day late for paying our mortgage on the first of this month. Then, when we paid online, they charged us a $3.50 charge for being late. US Bank says that we have a 15-day grace period to pay our mortgage without penalties. The $3.50 sounds like a penalty to me! And they have the nerve to tell us that there are more ways to pay our mortgage instead of online like mailing our check in or going to the nearest US Bank branch. Hello?! Honolulu doesn't have a US Bank branch. Not very graceful, if you ask me. What can we do though but vent our frustration! We could hope that US Bank sells our mortgage to a nicer, more customer-friendly bank but sounds more like US Bank would rather harass its customers for payment and slap fees on for late payments instead of helping people out. I do not recommend US Bank to do business with!

They are sneaky! They tried charging us double for that. I had to go back into the bank to straighten out this mess again. They are doing all they can to try and mess up our loan so they can get more money, charge more fees. Class Action suit against this bank? Include me for sure. Montgomery County Missouri US Bank is horrible. They have no clue about their customers nor do they care. I absolutely hate this bank. They owe me late fees for something that was not late. Do not bank with them. They will steal from you, lie, bait and switch.This is the most horrible bank we have ever dealt with. They charge $3 a month for a savings account, $6.95 for checking. I do not trust them and never will again.

He came back, placed the slip on the counter and was thinking hard, like you see a child do. Then, he asked if I had an account there. Now with this card, it is not a relevant question and I told him no. I didn't want one. He continued to ponder very hard and then asked for additional ID. I was a bit surprised and said what? He specifically continued to ask for a debit card from a different bank. Without thinking, but getting upset, I handed it to him. He continued to ponder and didn't give me my money and by now, I was mad. I asked him for his name so I could report him to corporate. He said, "Ma'am, I am just doing my job," and continued to stare at my cards. I later thought he might be memorizing the information or something. I asked for his manager. His manager came up and I explained the situation. She asked him why he had asked for additional ID and he said he was just doing his job. He walked away.

I wanted my money and I wanted to leave. I know I was agitated as I told them. He had everything and had even gotten my debit card, which he asked for and I still didn't have my money and I wanted my money. They asked him why he hadn't gotten me my money; at which he had no reply. I am waiting and getting madder and demanded my money and explained he had written down an awful lot of information and as far as I knew, he now had my debit card information. The child teller continued to want to argue and I had to put my hand up and tell him to shut up and again demand my money. I had to do this at least three times. Well, I finally got my money, my ID's and left advising I would be reporting them to corporate.

Now, I was an executive before I got laid off and can't believe I looked indigent enough to have been delivered such service and no indigent person should ever be treated like this. This kid had gone out of his way to attempt to make my life miserable. And like I didn't notice that as I left, they stood by the window to see what my license plate number or what kind of car I drove. I am so mad at them. Corporate will be hearing about this and so will Unemployment. It's bad enough you're unemployed, looking for sustainable employment and then you have to deal with this. This branch is in Circleville, Ohio.

We are taking to loss of application, credit and appraisal fees and going elsewhere. We'll likely close before we would with US Bank and we're cutting 0.5% off our rate. I realize that I'm simply a number to US Bank, but it will be my pleasure to close out all other accounts I hold with US Bank in the coming months. This process for a simple refinance exemplifies all that is wrong with financial institutions these days.

During a previous insurance claim, they released the entire amount of the restricted escrow account on the basis of a having a field agent meet with the contractor alone. We never signed and sent in a satisfaction of completion form prior to the release of the funds. They also paid the contractor additional insurance claim funds that were supposed to be directed to us from USAA, but were sent to US Bank. We were never contacted prior to the release of these funds for which the work was never completed by the contractor. We have also found that there were several instances where there seemed to be a conflict of interest in regards to the relationship between US Bank who services our mortgage and USAA who provides us with the home insurance. This is one bank I hope doesn't get bailed out by the government. I would highly recommend anyone who has their mortgage serviced by US Bank to look into refinancing by another bank and since USAA utilized US Bank to service their mortgages, I would highly recommend not utilizing USAA as a mortgager as well.

Second Incident: I have a credit card and my payment was due on a Sunday. Banks are closed on Sundays so therefore, I was unable to make my payment. Before the Sunday came, I called card member services. I talked to a girl named Stacy and I asked for her information because of the previous troubles I have had. She told me that I would be able to make a payment through the ATM. I knew this did not sound right because I no longer have a bank account, only the credit card. But she was very sure of herself that this was possible without an account.

I went with what she said and went to the ATM the Sunday my payment was due. It was not possible to make this payment! I went in the very next day and talked to a branch about the late charges I would receive because of this and they told me that I should not receive one because of a grace period for a Sunday. However, when I looked at the card account today, sure enough there was a $35.00 late charge that they said they cannot waive! How fair is that?

While my name was clearly on my mother's account as joint owner, the bank continued to release information about the account to both my sister and brother. The bank also had a long, long history of charging huge overdraft fees for overdrafts as small as $0.10 and on days that direct deposits were made on a routine (bi-weekly) basis. Thanks to the new financial protection laws passed under the Obama administration, this bank has not received one cent in overdraft fees from me since the passage of the laws. I have lost my job and no longer receive regular deposits, and had a very small amount of money in my account but did not use the account at all for over a month. I sent a letter to the bank asking if I was going to be charged a service fee, to let me know beforehand so I could just withdraw my small amount of cash.

I had no plans at all to use this account, but was just keeping the cash there to keep the account open. Instead of answering my question, the bank just went ahead and took a service charge from me, leaving me practically nothing. Now I have asked if they plan to charge an overdraft fee next month to cover their service charge, even though I have not and will not use that account. I can almost guarantee you that they will do just that and will not even bother to answer my question, but rather assume that I am supposed to already know the answer. They are so desperate now that consumers are saving so much on overdraft fees that they will stoop as low as they can to nickel and dime us in any way possible.

I personally think they are lacking in moral fiber and I do not want to ever do business with them again. My mother is also withdrawing her funds and moving them to another bank. She has a CD that just renewed for a measly 4/10 of a percent. This is a slap in the face. She has had CDs, money market funds and has trusted this bank with her money for many, many years and they give her the absolute lowest interest rate on her funds. They even advertise higher rates on their website, but must think my mother is too old to notice or otherwise discover this discrepancy. I am hoping these mistakes do not occur with our new financial institution. All I can say is if you use this bank, be very careful and watch your money closely!

The amazing thing is that they haven’t provided any service for us in 6 months. There haven’t been any transactions, nor telephone line or electricity. And yet every month the amount they charge is different. What should we do?

In June, they took the money anyway. As far as I'm concerned, they stole it. Their excuse was that there was an internal employee error. I can completely understand that, but they refused to give me my money back. Keep in mind that I have paid two weeks early every month for 3 years, far exceeding the minimum payment due. I am, in fact, 3 months of schedule and didn't even owe them a penny until August! I told them if they do not help me, in good faith, since I am such a top customer, I would have to take my balance due ($35,000) to another financial institution and their response was "Oh well, if that's what you want to do." I told them that it was a shame that they were losing a great customer for $400 and they could have cared less. I will never deal with them again.

By saving $500/year on my insurance, this should have resulted in a lower mortgage payment; however, even when they acknowledged the insurance and sent the new payment to the insurer, they kept my mortgage at the same rate until May (left out something). Someone from US Bank called me at home and verbally told me what my new payment was, which I promptly had my credit union to pay. Then they sent me my regular mortgage statement showing the old mortgage payment and the new mortgage payment was nowhere on the statement. They showed where they received my new payment, but applied it to my escrow account, which they said was a “suspense” account because they needed the full (old) payment.

After many phone calls and being given the runaround, I was finally able to talk to an “honest” person that sent me out a new mortgage statement denoting the new mortgage payment. They also sent me an escrow check showing the new insurance payment. However, I come to find out that my county taxes also dropped significantly, but it was never reflected or told to me. My credit union sent my May payment on time, but today, May 26, 2012, Saturday, I received my statement from US Bank showing my mortgage delinquent and that I'm to send double payments, even though my credit union clearly paid them. The customer service center is closed today. This new “mess” will involve more phone calls and supposedly late fees, etc. I'll have to wait until Tuesday to call since Monday is a holiday.

I believe US Bank does this to customers on purpose to hold customers’ money, thereby increasing their profits on the money held and interest gained. They are running roughshod (blatantly) over their customers, knowing customers can’t refinance since they're underwater on their mortgages. I think a class-action lawsuit should be filed against them. If not, we the customers should file a civil suit in small claims court. I believe if enough of us filed small claims against them, this blatant robbery will stop! Interest on our money goes to them the longer they take to resolve matters, and if no one does anything, they will continue to get away with it. Please don’t let this happen. We can file small claims!

I called them and they say they can’t do anything. I still have no clue as to what I owe this money for. And whatever it was, I'm sure it could have been avoided had they contacted me when it happened instead of 4 years later. I don't let these things sit. I would have paid then and saved a bunch of money because I'm sure most of it is their ridiculous fees. I’m still being sent in circles to find someone who can tell me why I owe this money. I’m kind of curious to figure this out. I’m extremely pissed off the service has been this bad. I should have been able to get this figured within 2 days, not a week. And because of their issues on their end to get this resolved, I get to deal with calls every day from this recovery agency. I'm tired of this run-around and just want some answers. If it’s legit, I'll pay it. I'll be still pissed that no one contacted me until 4 years later and I won't be paying those ridiculous fees.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.