US Bank Reviews

I explain it's not non full, I'm a payment ahead and just deciding to start on bi-weekly. He says "well, if you'd let me finish", (uuugghh). They won't post payment until it is full. I respond I mean an extra payment ahead, the payment is in full and bi would be also with 2 weeks early. I had to just laugh and get off phone. I'm very unhappy with them and wished another company would buy out my home loan.

I had an appraisal done 6 months and 15 days before that but they wouldn't use that because it was over 6 months. So, I kept asking the bank and phoning people to find out what we could do, because this was very upsetting to me and stressing me out. Then I get the news from the bank that they have to do a full appraisal which won't be done until July 19th. So, I've been trying to find money to pay the builder so I can keep him working. During this time, I've gone over the guy's head to his boss and told his boss that work has started on my house, and that I wasn't very happy with the service I was receiving. Also, the lady at my locate bank sent them an e-mail in June to tell them how upset I was and informed them that my builder has started work on my home. I continued to wait to get the call that I needed to go to the bank to sign the papers for my loan, except that didn't happen.

On 7/19/17 I get an e-mail that they will not give me the loan because construction had started on my home and they would give me the loan after the construction was completed. The amount of the loan I was requiring was over $60,000. I don't know where they thought I was going to get that kind of money to complete my construction because if I had that money, I wouldn't be getting a loan. SO, now I have my house with construction started and no loan. I'm at the point of a nervous breakdown at this point and US bank could care less. I went to a local bank in my town and they were happy to give me a loan within a week. So, now after 17 years of business with US Bank, I'm closing out all my accounts and moving them to a bank that cares. I just hope no one else has to deal with this kind of experience.

Instead she sent it through three times and we wasted two weeks and passed our first closing date because she refused to communicate with us or the originator. At that point, we got management involved. Two to be exact. We were then promised that the situation would be corrected, we signed a new transcript request and were told that it would be rush ordered. Two days later, we find out that it wasn't submitted...let alone rush ordered...because, guess what, the processor is the same, incompetent, and unprofessional person as before. She lost the document again! How is this person still employed? Why do the managers lie? Why is everyone promising one thing while not delivering on any of it?

Managing customer expectations is a huge part of good customer service. If you tell me that there is nothing you can do and something will take X amount of time, then I'll be angry, but accept your word as truth. However, when I find out you lied and promised something that you cannot control nor complete, then I'm pissed off. We've now lost our contract, our deposit, and other out-of-pocket expenses due to their incompetence. This is our fourth mortgage loan and we've never had an issue closing before, but we never dealt with US Bank either. If I could give them a zero...I would. Good luck and God bless to any poor, unsuspecting fool who applies for a home loan with these people.

I have made all the payments to US Bank as I do with everything else. Then I noticed a late payment on my credit report from US Bank from June 2016. When I called and talked to someone they agreed that it was a mistake and said send in a letter which I did. Checking my credit today, the late payment was still there. I called US Bank and talked to a rep who told me it was logged as correct with the credit bureau so apparently US Bank will not fix their mistake here. This problem was engineered by US Bank and should not rest on my shoulders. Shame on you US Bank. I've never been so misled or mistreated by a bank in my life. US Bank wishes to play ball. I am posting this on every media source I can to stay away from US Bank.

US Bank has taken all day, and still hasn't allowed us access to our account knowing they were in the wrong (it is now 3:02 pm, Friday afternoon), due to our protest in them NOT refunding our $100. Even though our account will sooner, or later be unfrozen, due to illegal activity, the US Bank will keep our $100!! Needless to say I will never refer anyone to this Bank, and am researching a new Bank. We've been thinking, for several years, about moving to a different banking institution, now they've pushed us to do it.

One week later I called to confirm my requests and none of them had been completed, in fact my last billing statement was actually mailed to the person who stole my information and changed my acct information. One month later, I received a letter today stating I was responsible for the cash transfer as I benefited from the transfer. How? Why? One of your reps admitted the information was obtained through your online services. I am now figuring out how to file a complaint with the BBB and at Consumerfinance.gov.

This company will stick you in customer service hell. Have you been on hold 30 minutes at a time and then have a child answer your call that doesn't have any answers for you. The operators that answer your call at first are only trained to do very small things like check your bank account balance and reset your pin. If you need anything else more than just basic service you're going to wait for hours on hold for a supervisor that probably doesn't know anything either. Why would I have to file a dispute to get back my money the Amazon already refunded to ReliaCard? I gave them a transaction number and everything the young lady that I spoke to on the phone didn't know anything that she was doing. She had to ask a supervisor about everything placed me a hold about five times... Will I ever get my money back from ReliaCard. Time will only tell.

On Monday July 3rd I checked my online account and saw that $489.50 was on hold and not available for use. I went to the bank and spoke with Luis a bank teller, who assured me that on July 5th all my funds would be available to me, because my account would be open for 30 days and the hold would drop off and that he would leave a message for Alexander ** to call me on the morning of July 5th to make sure there was not going to be any problem with my car payment check.

At 4:30 PM on July 5th, Alex ** called me and told me he decided to let my car payment check bounce, because my account was in the first 30 days. However, it seems pretty funny that according to the Manager I only had availability of $200 of the amount deposited, because my account was in the 30 days. However, I took $100 cash back from the deposit and still had the $200 available, which shows that Ashley had no idea about the 30 day hold on my account and that only $200 should have been available.

The bank's advertising literature and brochures promoting their bank account do not have any mention of the New Account Hold and I was never given any notice at the time of opening my account of the hold. Furthermore, when I requested all the forms I signed when opening my account Alex did not provide a form disclosing the New Account Hold and told me I would have to subpoena the records.

Under truth in advertising the brochures and literature they provide concerning bank checking accounts should have contained all the terms, including the New Account Terms and Holds of Deposits. None of the brochures they provide even mention the New Account Deposit Hold. which is misleading and lead me to believe I could deposit my check without worries. Naturally, if I had of been aware of the Hold I would have never paid my car payment with a check. I feel I have been taken advantage of with unnecessary NSF fees and additional fees to my payees for the checks bouncing. This has caused me embarrassment, stress and hurt my reputation in the Community. If I do not get satisfaction I will file a suit for actual damages and punitive damages too.

In the middle of the night both my direct deposit and my rent check show up. They process the rent check and decline it then they deposit my direct deposit. I find this at 6 am call the customer service line speak to a customer service manager 'Romona' who is Honestly the best employee I've ran into at the company. She explains I need to go in to the branch where I opened my account, and I was there right after they opened at 9 am. Spoke to the assistant manager who said the manager was the only one who could handle this. He stated she was not there. He didn't know where she was and that she might not be in till 12 am.

Long story short by noon when they said it needed to be done she could not accomplish it. They charged me a fee along with the $100 my landlord charged me. The manager of this branch is uncaring and unprofessional at one of my visits asking for a discount on her personal furniture from my work. Needless to say I will be moving my accounts to a new bank. Save your time and energy go bank somewhere else!

This most recent episode was that they withdraw a certain amount claiming it was deposited in error (Unfortunately, I am having a memory issue and cannot remember my deposits). So they went ahead and withdraw it without any paperwork proof of the error. I had a branch assistant from the corporate office investigate and she found them to be correct in their decision (again no paperwork to proof any of this). Yet there is paperwork to proof the deposit. There was a deposit slip (why on earth would a rep write a deposit slip in error). Yet, she said in order for me to get that withdrawal back, I would have to give them proof of a check and/or cash... yet, they don't have to provide any proof of any kind withdraw the monies. Please advise!

I called the Yuba City branch and spoke to assistant manager Candice **, who continued told me it wasn't her, it was "them" meaning the back office that put the hold. This is a total cop out of not taking responsibility for the company that she is a part of. There is is no us and them, US Bank is one entity. When I explained to her that she was a part of "them" she stated there was nothing she could do. There was no reasoning as to why the hold was placed, my account was fine and I have been paid by this employer for the past 8 months.

I called my employer, he confirmed with his bank that the payroll check cleared his account the following day after I deposited it. I called back the Yuba City Branch and requested to speak to the assistant manager. A teller named Estavan spoke with me. I ask to speak to Candice ** the assistant manager and was told that she is too busy to talk to me, I state that I will hold, she then tells him to tell me she won't speak with me, again she is too busy. The assistant manager refused to speak with me about a situation that she didn't want to deal with. I had just spoke with prior and was put on hold due to her being with another customer.

Now when I call back I am told that I cannot be put on hold and that she is just too busy to speak to me. I am disgusted by this and because of the extremely unhelpful and unprofessional actions of Assistant Manager Candice ** at the Yuba City branch, I have decided once the funds are available I am closing my account with this bank that I have supported for years. And to add to this, my family banks with US Bank and have all deiced to close their accounts and take their money elsewhere. Great customer service Assistant Manager Candice **, all my family's accounts are out the the Yuba City branch. We are all closing them due to your extremely unprofessional attitude. When you are a manager, sometimes you have to deal with the difficult issues, not run and hide behind your tellers.

This is not the first time this has happened at US Bank. The last time it happened they slid (posted) a check to my account before 5 debit card transactions and then charged me overdraft fees for all 5 transactions and for the check. When I inquired about their overdraft fees and limits I never got the same answer from branch to branch. When I called to speak to a senior banker, I was told "Check post to your account at 10:30 at night". That's funny cause I have a screen shot of my account at 10:41 PM ARIZONA, 12:41 PM CST. AND I WAS STILL IN A POSITIVE ACCOUNT BALANCE. NO CHECK WAS POSTED TO MY ACCOUNT ON THE 21st as of 10:41 PM Arizona time. What was their motto? "RIGHT TO THE MINUTE BANKING". That doesn't seem so in this case.

As my dad sits in ICU, my mom is unable to sign any documents because no one was on his account. Once my dad was discharged and had enough strength I brought him to the bank to sign the necessary documents and add someone to the account. We were given a printout from Feb 2017 and you can clearly see only withdrawals were made.

On 5/23 a purchase from China was made, then several large purchases were made the next week back to back. They claim they have a fraud team, why is it they didn't pick that up? My parents asked what are they to do about their bills, they were told take out a loan or apply for a credit card! WOW! Really, but in the same sentence you say the FDIC covers up to 250,000. Only $1500 or so was stolen. They informed my parents 10 days the money may be refunded. Why should they have to wait that long if the money was with your bank and became stolen? They should've at least issue them something and then if they found my parents were at fault, then take the money back. Basically what you are saying is that "it's okay for people to steal from you and we will refund your money when we are ready".

On 6/20/17, my brother called corporate and spoke with a lady, which was very RUDE, she said they just have to wait until the investigation is over. My brother just asked why didn't the investigation start when my mom first reported it to them. She said talk to your local branch manger, to whom we've been waiting to call us back since day 1! I think they need to take notice on how NFCU and CHASE handle their FRAUD situations, because this is really sad and then you get treated like you are the victim. So now my parents is waiting for their funds to be issued and for the Branch Manager to call us back, from my mom reporting it on 6/2/2017 and then my brother calling today, who really is the victim?

Three weeks later I went into a different branch to deposit another check from the same company made out to our last name. This branch told me it was their policy not to deposit business checks unless I open a business account. I was not allowed to speak to the branch manager but an assistant assured me this was their policy. I mentioned the incident from 3 weeks prior and stated I spoke with customer service over the phone and was given different information. I was then accused of trying to shelter money from taxes, etc. I requested a call from customer service but have not yet received one. I experienced horrible customer service! I do not recommend banking with US Bank in any capacity. I was not treated as a valued customer of 20+ years. I share this information to warn others.

Even my debit card was declined. I've had the same PIN for 10 years. It reached a point where I was at a gas station and all 3 cards were declined and the incompetent employees couldn't fix it. My car was empty and I nearly missed work. When you have a debit card and 2 credit cards this shouldn't happen ever. Today I made my final call to US Bank. As of today I'm a First Financial customer. I was polite, patient, and respectful when I called. The fraud protection employee insulted me, yelled at me, and hung up. I tried to take the survey, but she disconnected it so I couldn't. Do not give them your business!

They are trying to find any loophole they can to not honor what they said. I am closing my account whether they finally honor this promotional code or not. I guess they see they couldn't make money off me with overdrafts and fees, so don't care about my having my business. I really wonder if this promo deal is a way to lure customers in and see who they can make the most money off of with overdrafts. If they see you aren't a profit for them, they don't want your business. I won't do business with a company with worse ethics than those on Wall Street. I told some family members about my issues and they continually have issues with US Bank as well.

I wish I would have checked reviews and asked friends, family, coworkers, etc., if they had any opinions on this bank before proceeding with opening an account. Thankfully, I have kept my account open with my previous bank and will just switch my direct deposits back to them after my last few transactions clear with US Bank. After reading the reviews, I'm not going to close this account until I am 100% sure I have no other pending charges from my debit card coming through as I see they really like to play games when it comes to charges and overdraft fees. I am also filing a complaint with the BBB and have asked to be in contact with their legal department so I can pursue recourse for their blatant misinterpretation and unethical behavior.

I go in to see the bank manager and explain my reasons why I should have never had an overdraft. Not only did I choose not to let my account overdraft but my available balance was more than what I charged. She just wasn't seeing my side of it and she decided that if I paid 1 $35 charge she would clear the other two out. I wish I would have never done it to this day because the following weekday I called the 800 number with my complain about the whole thing and I said, "I want it written down to not ever let my account overdraft. I don't care what the reason is do not let my account go into overdraft just reject it," and was informed that I should have never had to pay anything. It should have never happened so now they check and there is no record of me paying the $35 at all so what do you think happened to that money huh?

I think that poor excuse for a bank manager probably stuck in her own pocket. Recently US Bank just made my whole day hell because I had a temporary card I received my permanent card but I just didn't activate it. I was still using my temporary card and I did not know that all of a sudden they were going to shut it off. I guess you only have a certain amount of time on the temporary card and they don't let you know they're going to shut it off so here I'm stuck without no way to get any money because they never sent me the PIN to the new card. I'm chronically ill. I don't have a car. I have no way to get to the bank to fix it and they don't give a **. You think they might let you know, "You got 72 hours left on your temporary card or we're going to close it now."

My Amazon order is been rejected and several other bills that I paid and I need to repeat I am chronically ill so this is making my life so hard. This is the second time I've had a problem with a new debit card from them. U.s. bank doesn't care about anybody. They don't even really give you a good apology/ They're just like, "Oh well." And their employees don't know their job very well because they give you wrong information constantly, charge you for copies of your bank statement that you never received in the mail because they typed in the address wrong several times. I would call them and say no that is the wrong address to on the right address again and they'd still have the wrong address in there so I don't know who was getting my bank statements for like 6 months but that ain't cool.

I have never had to pay for a copy of a bank statement in any other bank. As soon as I can I'm changing Banks. Yeah did I mention that since that overdraft I've had it happen 2 or 3 times again? When I get a real threatening letter that says if I don't pay it in seven days blah blah blah and they're going to close my bank account on me when is their wrong not mine. I would not recommend them to anyone.

After 6 weeks I still hadn't received the documents and called them again and spoke to a person (DayQuan) and again was told that he couldn't take my money over the phone, wouldn't give information on a bank to bank wire transfer, or any other type of payment. While speaking to him on the phone I was attempting to pay the entire amount online, however, the payment amount was too high and would go through. I was told on this call that they sent the documents to me and that due to my address being a P.O. Box it wouldn't go through and was returned. They requested my physical address and I gave it to them but unless they sent it UPS or FedEx it wouldn't get to me due to the postal service doesn't deliver to my rural area.

DayQuan advised that the only way to pay for the vehicle was to have the documents sent to a physical address or faxed and I had to send a cashier's check to them as payment. 2 of the most un-secure ways to send mail and payments. I called my banker (USAA) and conducted a 3-way call with him and again spoke to DayQuan. My banker asked about doing a wire to wire transfer and DayQuan refused, he was asked about authorizing a one time phone payment and DayQuan refused, and I even attempted to open an account with U.S. Bank and then conduct a transfer and again DayQuan said that I couldn't do that. My banker was clearly at a loss for words and even said that he was refusing the most secure ways to transfer funds.

After hanging up on DayQuan we worked up a personal cashier's check secured by my bank and I paid extra to have the payment sent the next day and also had U.S. Bank sign for the check showing that it was received. My banker could only say that the reason U.S. Bank was being so difficult is that they wanted to drag out the payment so that they could get more interest.

I sent the payment to them and continued to expect the documents from U.S. Bank on the odometer reading. I received a call from my bank the next day and was told that they received the check and it was signed for. I called U.S. Bank and demanded that within the next 10 business days to send me my title for the vehicle. I instructed them that the odometer document was their problem and they could either find a way to mail it to me, send it UPS or FedEx, or drive it to me themselves, I didn't care but it was their problem.

Two days later I received a call from Mary (wouldn't give her last name) stating she was a manager and said that I needed to sign the documents. I advised her of the previous calls and issues with getting the forms and she said that the forms could be sent to a P.O. Box and basically said that the other 2 idiots I was talking to over the last 6 weeks flat out lied to me over the phone. She stated and confirmed that payment was received but the title couldn't be sent until the odometer documents were signed and received by them then they could send the title. I asked her about sending the documents again so I could fill them out and she said that she was sending them again.

On June 1st, 2017 I received the documents in the mail at the P.O. Box and completed them. I observed that the documents were not even notarized forms and didn't have to be notarized by anyone. The information could have been handled over the phone or at a later time and apparently was being used to prolong the payoff process for customers. As of June 2nd, 2017 I haven't heard anything from the business and the forms were sent back to the business on this date.

With today's world I understand the suspicion of people trying to do something that isn't normally done. But after confirming my security U.S. Bank continued to not take payment. This can't be the only way to pay off a vehicle today. With the number of deadbeats that don't pay for the things that they finance I still can't wrap my head around a company that would take money from a customer that didn't miss one payment and was never late with a payment in over 3 years.

I still have a business review to do but I'm holding off for a final determination and I want to receive my title. I got a feeling that U.S. Bank will hold up the title for some stupid reason just to make things difficult for me. If I don't receive the title by the middle of June I have kept copies, names and recordings of the people that I've talked to and plan a social media explosion on the business. By the way if you call me in Texas and tell me that the conversation is recorded I'm not required to tell them anything and can record them for the same reason.

Anyone that has anything accounts with U.S. Bank do whatever you have to do to pay it off and do away with these idiots. Don't do business with them and through reviews and social media show that the little person has a voice and can make a difference. If the customer service improves then we've done a good job in holding a bigger company responsible for poor customer service, flat out lying to a customer, and trying to force a good customer in paying more than they have to.

I had called in months before on this account to have it closed and was told I needed to go into a branch location to do so (that was a lie). On the weekend all of the fees were charged for the overdraft, I attempted to deposit a check for $2000 which would have been more than enough to cure any overdrafts. The deposit got rejected because it exceeded the new limit I was unaware of. I called into customer service to have a manager review the overdraft fees and he refused to refund any of them. I informed him that they were stealing from me by changing all of the products on my account making it impossible to cure the overdraft (by regular protection first and by the deposit maximum change second). I used to rave about US BANK. Terrible now. They're thiefs!

Apparently the loan processing fees are used to make their employees work their hardest to accuse the potential customer of money laundering or borrowing money to use as a down payment. I have been asked to 'explain' numerous deposits which it was clear where the deposit came from as it was printed on my bank statements. Part of the application is a declaration that you didn't borrow any money to use for the mortgage, and I signed that, but they still assume you're a criminal or liar. I've never been audited by the IRS, but I imagine it feels about the same.

Not a big deal if they started wanting this proof that I'm not a criminal early in the process, but they wait till the week of closing to make an issue. Better get a copy of your insurance binder too, you'll have to send that to US Bank at least 3-4 times during the process (guess it gets lost?). I dealt with Bank of America for over 2 years and it wasn't near as retarded as this process, and Bank of America is a real pain to deal with. Please save yourself from buying a bottle of ** and shop around before deciding to use US Bank for a mortgage.

Ok, so I wait the whole month to repay the entire loan (not the minimum but the full balance), only to find they had charged me interest every single day! Like $5 a day for a whole month! I didn't say anything because I don't like to make a big deal out of things but I did stop going to that banker who gave me the wrong info. There's just something weird about this bank.

My husband is a disabled veteran and feels we are being discriminated against because they did not once call him for payment during the sale of the house (Yes, his name was on the mortgage). I am also a former employee of US Bank and will NEVER recommend ANYONE to EVER use their services. They will not work with you on any extenuating circumstances. They just simply don't care about their customers.

They are making a profit off the funds I am paying them and the money that was due to me. I have contacted FHA and my congressperson and none of them have helped. As far as I am concerned they are all thieves. If I stole or scammed someone out of $100 dollars I would be facing jail time or probation. Everyone keep saying I have no recourse at this time. This system is entirely messed up and I hope they all get what they deserve. Avoid FHA loans and this institution as well as Concorde Mortgage.

I became proactive after that charge so I took screenshots of my online banking transactions and transfers, deposits, withdrawals etc... I started to notice debits being cleared 5-7 business days later, dates of my transactions changed from the original date and when I asked why does it take 5-7 days for a debit to clear I was advised it depends on the merchants system. When asked how long credits cleared I was advised they take 3-5 business days. Then I notice my deposits would take days to clear, creating a negative balance in my account on purpose so that when the check or payment cleared I would have a negative balance owed. With money in my account I received a fee's. Then I noticed I was being charged an account fee of around 8 dollars which they were waiving but was advised they couldn't waive any other fees.

When asked why was I assessed the fee when I had money in my account I was advised there was no money in there at that time. Again upon going into the branch to speak with a branch manager, I was advised he was, as I sat and watched him sit at his desk in front of his computer through the clear glass, I asked doesn't the customer come first. I was told he was busy that he would call me regarding my account. After not receiving a call, after 5 days later I received a voicemail from the branch manager. After playing phone tag with the manager for a couple of days. I called US Bank and spoke with a customer service rep. whom advised me that they couldn't waive any fees. She acknowledged that something wasn't right and I advised that I could send the screen prints to her.

After I got off the phone with her I noticed my account dates had changed again. Some of the payments reflected the dates I provided her over the phone and when I tried to take a screen print of my account it said merchant meaning US Bank does not allow those actions. So they blocked me from taking screen prints on my phone, so I took a picture with another phone of the message that displayed on the US Bank transaction screen saying I was blocked. When I finally spoke to the manager I was advised that this seems like something I keep doing to my account. He didn't ask me to come in the branch. He didn't want to see the screen prints and he advised me the amount owed was the amount I owed. I advised him that they need to really check the banking laws because they are doing something very illegal.

I have never known a bank to just charge people fees just because, change people transactions on their account. I have never known debits to clear in 5-7 business days because of a merchant system and I have never known for a bank to block you from taking screenshots of your account history. While it's sad, I don't see US Bank in business long because something definitely seems fishy about their company. It's just sad. I should have known not to ever mess with this bank. When I went to open my account a customer advise me while walking in not to bank with US Bank and I thought she was just being negative. Turns out she was right, they are by far one of the worst banks ever.

My husband went to the local branch in our area yesterday (one that we go to on a regular) to withdraw 500.00 out of the ATM. When making the transaction, the ATM said complete, however it failed to dispense the money. He then called to check his balance to confirm if this was just a simple error. The available balance reflected that the 500.00 had been subtracted from his account. He immediately went inside to advise the teller that he withdrew 500.00 from the ATM and it did not give him his money. Her direct response was "Why did you use the ATM when the lobby was open?" My husband then reminded her that he has the right to use the ATM regardless if the lobby was open or not. Her next response that There was nothing they could do for him and that he will need to call the 800 number listed on the back of his card.

She then told him to check his balance the following morning as it may correct the error when the system reboots overnight. He went ahead and withdrew an additional 500.00 to compensate for the money that he didn't receive from the ATM. When calling to check his balance the next morning, it was not corrected and still reflected the incorrect available balance. When he followed up with the 800 # (which the wait time was ridiculous) he was told that it would take 7-10 business days to receive. This, to me is absurd. My husband and I work very hard for our money and should have access to it when needed. It certainly did not take 7-10 days for them to make the error, yet our funds are placed on hold until they fix the problem that they caused.

As loyal, long term customers, we, nor anyone else, should be restricted of what's rightfully theirs, especially for a mistake that was made on the bank's behalf. This situation has shown me clearly that my husband and I are trusting the wrong company with our money and investments. As a result of this situation, along with various other along the way, we will be closing our accounts and dealings with US Bank.

On top of that, some of my auto payments have been moved a couple of days earlier and caused me to hit overdraft again. US Bank there is a reason I put auto payments on certain days! Not so you can screw me over and steal my hard earned money because you guys are thieves! We went to US Bank as well to get our mortgage for our new home. Another mistake I made! I was promised that it would come on time from underwriting and on the day of closing we got told that it might take another week or two before we would hear something. We had canceled our lease with the apartment we were living in and had to live in a hotel for a week. Unnecessary expenses created by US Bank who love to have your money.. I am going to do some careful investigation what bank is still trustworthy. US Bank will lose me as a customer in the near future!

They assigned an appraiser and then told me that I could not refuse the appraiser but that there would be an appeal process if I felt that there were problems with the appraisal. However, they refused to send me a copy of the appraisal until after the closing was already scheduled and it was sent on the weekend with closing at 8:30 Monday morning. I still have not received the appeal process information from them. As we neared the end, they started asking for documents that they had been in possession of for at least a month and I kept referring them to the email containing her documents. They complained that I needed to send them in a different format because they work in a paperless office so they wanted me to do the work for them. I referred them to their IT support at that point.

The loan funding did not come available to me until a full calendar week after closing (no holidays) and the items that they showed had been paid off were not paid off. The receiving banks told me that they had no records of any initiated electronic payments as of a full week after we signed the documents, however US Bank shows them as disbursed funds and I'm sure they are charging me interest on them. We were told at closing that we did not get a signed copy of the documents. I requested the signed copy documents but have not received them and was told it could take up to 4 weeks from closing.

The bank sent checks for other bank payoffs to me after closing without ever discussing with me that they expected me to provide the mail or courier services to process their checks with those banks. When I attempted to do so, I was told that the bank thought it was a fraudulent check and I had to go through their fraud process. US Bank won't address my questions or provide me with the appropriate contact person in their organization to address the issue with. I couldn't ever recommend US Bank to anyone that I like. They were incompetent at best, and dishonest at worst.

I also spoke to a bank teller a few months ago and she was so arrogant to me; I was taken back at first and just let it slide as immaturity on her part. Then I decided she needed to be told by her superior that it is not appropriate to speak to people that way. Her manager also spoke to me that way and sat in the chair as if he was at a party with his friends talking about women. I am a hippy looking person, and even I am saying, he was not appropriate in dress or attitude. I have had encounters at this branch that are very disconcerting. So I usually go to another branch where they are nice. However, I feel the branches are not effective. They seem to have no real power, and their words are reflective of memorized speech.

I am not a happy customer and yes, I will be moving my accounts. Which are a business and a personal account. I am rebuilding my life after the crash of 2008 so I am not cash rich and I do feel all banks are thieves; however, I am finding US Bank to be malicious with their technology and online practices. I am a very technical individual both professionally and personally and I feel that they are yes, stealing people's money for a period of time and do not practice accountability. When I heard they were voted most ethical - I realized ethical is a word that is misused by marketing and promoters. They are far from ethical and they need to be investigated for their practices regarding holding funds and online manipulation of data, which I believe is for their own benefit.

This is my professional and personal opinion. And I do intend to make sure that this happens. I have really had enough of this. When you are struggling and need the bank to work with you, you realize that they are your enemy and not a partner with you. By the way both the teller and the manager were 1/3 of my age and behaved so arrogantly that I just stood there with my mouth dropped with disbelief. I make all of my deposits and transactions at another branch if at all possible because I dislike the branch that much. Very unhappy!

On top of that I get sent a bill for excess wear and tear which is sketchy to begin with. And then the bill coincidentally is $2 different than my extra December payment that was taken. I call up to refute the bill and they advise me that the bill isn't final. So I get another one 3 weeks later that is $50 higher than the original. Now I'm really upset. After numerous calls, I receive another bill that has $40 removed. I call today to just wipe out the balance and they refuse to believe that I turned in the car so they expect another $420 from me. I ask to speak to a manager and was advised that none would be available for 24-48 hours. What a joke of a company. I will never do business with them again under any circumstances.

I make the payments every month on time on the due date, through my online access. However US Bank's software is the most ignorant and ill designed mess ever, as it posts any payment after 6PM or on Saturday or Sunday on the next business day. This is inconvenient as you can imagine. Hey US Bank, the internet is 24/7/365. My life is not on your schedule, when I make a payment on my CC account then you had better damn well accept it at the time of payment! Every other CC account that I have had accepts my payment up until midnight of the due date, and doesn't ding me with a late fee!

You take my money then ding me with a late fee even though I have done my part and made my payment on the due date before 6PM cut off time. If the due date is on a Sunday, then don't ding me with late fees for it processing/posting on Monday, same for Saturdays not posting until Monday. YOU ACT AS THOUGH YOU DON'T WANT MY MONEY, AND THEN YOU CHARGE ME FOR GIVING IT TO YOU WHEN YOU WANT IT!!!

These late fees have accrued to my account over the last two months and caused my minimum payment to climb. This is outright theft as I am doing my part, but US Bank can't get their act together and get a database/software that recognizes that their users and customers live in a 21st Century world and that means 24/7/365 access and service with no penalties! I can't be the only customer that this happens to and I would like to see them punished with another class action lawsuit for improperly delaying service and reaping undue benefits. This is no different from their improper charging of overdrafts, which they got dinged for as well. Funny that I just saw a standee in their lobby that espoused them as being "voted the most ethical bank of 2016" HAHAHA! Where did they get that from, and who voted, their BoD?

After a week of no activity in my account showing that this was being done I called. They said it had been rejected due to the fact that they lowered my limit they could no longer refund me because then it would be over my limit. Had their system not lowered my limit in the first place I would've never been even close to my limit. This company is a rip off and a fraud and I am closing my account and want nothing to do with them.

I have automatic deposits set up for an external savings account that are supposed to post every Thursday. Unfortunately, sometimes they go through 4 days later and sometimes over a week later. Nothing is consistent so you cannot track your finances. I started out by making a note that these particular transactions post every 5 days, but that's not always the case.

UNREADABLE BANK STATEMENTS. Their bank statements are unreadable. Sometimes someone will think that I'm crazy so I show them an online statement and they can't make sense of it. We'll comb through it together and we can never come to a conclusion about anything other than this bank sucks. It makes it impossible to sit down and have a discussion with a banker from U.S. Bank, because you get the feeling that they can't even decipher the statements and they start sounding like they are just pulling info out of their **.

AS THE CUSTOMER YOU ARE ALWAYS WRONG. They are extremely arrogant. You are always in the wrong as the customer when talking to them. Ex: I opened my account when I was about 19 and before they were doing online banking of any kind. I happened to overdraft my account by a few dollars that Christmas; which was totally my fault I take responsibility for that. However... Over the course of Christmas they charged me $36 per day for 3 days in overdraft fees. I could not make any deposits, because they were closed the entire time for the holidays and remember there was no online banking for them yet.

I went in once they were opened thinking they would meet me halfway, because it was impossible to take care of my account since they were closed during this time. They wouldn't budge and I asked if they could reduce the fee any. I'll never forget - the amount was about $100 and $0.25. They told me they could "give me my quarter back". That is absolutely asinine. So they did have the ability to work with me, but wouldn't! I should have dropped them right then and there, because it's been a headache ever since.

TERRIBLE APPLICATIONS. Their online banking is insecure. I've been able to login to my account numerous times purposely using a slightly different password to test their security. In specific, not capitalizing certain alphabetical characters to see what would happen and they STILL let me in. Their rotating security questions are useless, because they ask you the same one every time, despite the fact they ask you to choose several when you first sign up.

Half the time their website breaks where content won't display or just won't load and it looks like it's from the mid 2000s. That's actually pretty accurate, because I've never seen the website get a facelift or be improved. Their app is far from being in real time or timely at all and is pointless and many times it's been so buggy that it will just close. Speaking of which...

I'M CLOSING MY ACCOUNT TODAY. I was recently over-drafted. I talked to a representative today over the phone about piling overdraft fees. The day my account was over-drafted I immediately transferred money over from my Chase account to take care of the problem. Unfortunately I have not been able to get to a U.S. branch (and good luck finding one outside of a major city), because I've been working non-stop. I understand that this is my problem and no one elses. However, it's taken almost a week for the transfer to go through. It's impossible to be responsible with this company, because they're a mess.

I talked to a representative over the phone and asked her how it was possible that every time I tried to use my debit card it was declined, day-after-day, but they allowed for one $7 transaction to go through during all of this. When this went through I naturally thought that my payment had posted to cover the over-draft. Not true and even when my card was being declined (as it should) they allowed a transaction to go through. And according to my bank statement, they didn't charge me $36 per day, day-by-day, but dropped them all on me on one, single day. She actually said "we did you a favor". What arrogance and what does that even mean?

So I said... "well can you at least work with me here like other banks do and take away at least 1 of the fees" and she said "no" and I said "well I guess I will be closing my account then." And then there was this long pause and I said "wait, you're actually going to lose a customer over this?". I asked her "why do you even have online banking if the essential functions don't even work?" and told her that "Chase gives new customers $200 just for opening an account and you guys can't even work with me on this".

And that's it! Poor technology. Terrible security. Complicated statements designed to confuse you so they can sneak money from your account. And that's honestly what they do (it's happened to me at least 10 times now). And when you talk to them you can tell that they are burned out and don't care. You know how nasty the people at the BMV are? That's exactly what this is like.

To date they have stolen probably around $300 from me, because of their errors and they never budge. It is seriously a bank that should be investigated and prosecuted and it's amazing that they are still around, because I bet you they lose several thousand customers a day... and I'm one of them. Read the review folks! 1 star from so many people! And you'll hear stories from many intelligent people talking about how they've had money essentially stolen from them. This a common theme. I was stupid to have not switched banks longer ago. So don't do this to yourself!!!

US Bank has put me in a super embarrassing situation. I also know when they reverse those payments they will have a hold on them until they are credited back to me. So I'm literally broke until I get paid again in 10 days and I won't see those particular funds for another 15 days or longer! I am breaking up with US Bank as soon as I can and going to Chase. This is ridiculous!

They give you a date it is supposed to arrive. If it does not arrive they tell you to wait longer before making the decision to cancel the current check and send out another one. They blame the USPS because "They might arrive early, they might arrive late. We have no control over that." <----- this was their "solution" to my frustration. They have no way of tracking anything they send out unless it is next day air. There is not an override option for this over the phone or online to my understanding. Since this has happened to me TWICE you would think they would be more accommodating. They are not and usually are not. US BANK has one of the WORST reviews as a bank online. Their slogan "All of US serving you" is complete bs and once my Credit Card is paid off I will keep that account open, but will no longer do business with them. That is a promise.

On top of that they increased my mortgage payment back in December and didn't inform me so now they are saying I'm behind $408! I spoke to someone on January 24th 2017 and that's how I found out they raised my payments! Then I received a letter from US Bank January 31st stating my payments have gone up and I owe $408! Guess when the letter was generated!? January 24th!!! I also found out later that US Bank doesn't even do deferments!!! The guy totally mislead me!! So I asked about changing my payment due date and US Bank doesn't do that either! So I asked what they do for their customers to help them out and make sure the customers are able to make their payments on time. They do NOTHING!!! They suggested I just pay late every month and pay late fees!!! And now since they have screwed be over on my credit I can't even refinance with another bank to get away from them!!!

I have a mortgage with them that I have been working on a loan modification for months. The last items were requested from me and I sent in. Their fax machine wasn't taking my fax. I kept sending it and finally goes through. They call me a week later saying they didn't receive it, they only received a blank page. I fax it again. All they needed was a profit and loss statement. I sent them that along with 6 months bank statements which were not requested. They sent me an email saying they have received what I sent them on the 16th of January. Since then until this past Friday there has been no contact. They called me on Friday to say I have been removed from the program because they haven't received anything since October 25th.

Meanwhile I have a receipt saying they received everything on January 16th. I am transferred to someone else who tells me they were unable to read part of the profit and loss so they automatically declined it and told me afterward. A very simple fix I'm sure but I still don't know exactly what it is because no one that works there knows but I find it very interesting that they are telling me I have to reapply and my account is frozen all at the same time. This is disturbing because all of my money is in that account. I have expenses for my business, my car insurance is about to lapse and my rent is due and I can't get a single answer from anyone at US Bank about anything. If this isn't predatory lending I don't know what is. My business doesn't have any judgments, there are no debts and I have complied with them 150% for my loan modification.

I wanted to open a saving account and transfer the funds in my Living Trust Checking Account to a new savings account. At that time the bank could not find the Living Trust Paperwork that I had filed with that bank. I had to bring in another copy. I told the bank representatives that if I had one more error in my accounts I would close them all and move those accounts to another bank location. I tried to set up a meeting with the New Account/Bank Manager several times. He was also the one who set up my account and had been promoted after my Check Account Promotion Scam. He informed me on 10/03/2016 that my $500 Promotion was set up too early and I was only eligible on 6/30/2016. I told the Accounts Manager that I don't believe that and I no longer trusted the money I have in the bank at that location.

My Bonus account bonus number of ** was misplaced. I still have that copy. I have felt that this scam is the same type that Wells Fargo Bank had. Only its employees misrepresented the bonus information and the persons get promoted and the New Account Consumer gets the shaft. I would like to have some action taken, I plan to closed my accounts at US Bank at 2211 N. Rampart Blvd., Las Vegas, NV who encouraged me to close all accounts at Lake Mead Blvd less than a week before my direct deposits kicked in and again I waited till the following month for my check to be deposited. Another lie. Who do you trust??? I will wait for more confirmation from US Bank before I close my accounts at the location!

I was told to send certified letters 15 days apart and if they do not respond I can move forward with a different contractor. Here it is January and now they are singing a different story. Now they are saying starting today they have reached out to the contractor and they have 30 days to respond. No one ever told me that after I have spoken to at least 5 different people and why wasn't that done in November after I sent those certified letters?! I just want my insurance money so I can get home! I am a single mother of 2 kids who is driving 4 hours daily commuting!

All was well until October of this past year when we received a rather large mortgage bill for $300 over what the bill should have been. We paid it dutifully as we assumed it was a balloon payment of some sort. Then November's bill came it was the same amount. Calls went out to US Bank. Initially they refused to speak with my husband or I as we are not listed on the Disclosure Agreement. Baffled by this I asked who was and they insisted on speaking with my father-in-law. We proceeded to explain to them that he had passed away and that on three separate occasions registered mail had arrived and given them notification that we were indeed the legal owners of the home.

Finally after some extreme head banging we were able to get someone to listen to reason and they at least talked to my husband. They stated that the insurance had lapsed on the home and that US Bank had opened up an escrow account to cover not only insurance but also property taxes. When asked why we were not contacted prior to this happening as my father-in-law had passed away they tried again to state that they had no knowledge of this and that they needed to protect their interest in the home. We provided them with documents to show that we did indeed have homeowner's insurance and that we did indeed pay the property taxes for the home. However here we are in January of 2017 and still we have no resolution and they are still calling and asking for my deceased father-in-law. This company has no compassion and no ethics. I would not recommend this to anyone.

It's Thursday, January 12 - NO CARD AGAIN! I call Customer service AGAIN. After being transferred only twice, I am told that there was a processing error and NO CARD WAS SENT. THIS IS CRAZY. I have been lied to so many times now I don't believe a word they say. He tells me he will overnight a card to me and it will be here by Saturday - yards, right! I heard that one before. In the meantime, I am without a credit card, can't get online (they blocked my account until I get the CC - funny, right), and I can't book a trip that I HAVE to book, because I can't use my rewards UNTIL I GET MY CC. US Bank has NOT helped me and has lied to me and made my life more difficult.

Today I went to the doctor and then I wanted to get some money to go get gas in my car etcetera, so I went to the closest u.s. bank and with the same thought that the branch manager said I can get money with no id if I can answer questions. Well I answered questions just fine I thought and I actually even had a piece of Quasi ID with a picture on it. The condescending manager at Southeast 122nd Avenue just south of Powell at the Safeway in a condescending manner said that I missed two questions or they weren't adequate answers and so I couldn't get my money. She said I needed id. It is lost, costs approx 75 dollars.

My bank account has more than $20,000 in it. But I won't be able to touch any of my money until I have that ID so I had to call my boss who has pneumonia and he's going to help me tomorrow and give me the cash to go through this. At this point I am serious and I will be closing my account with US Bank after 22 years and I never want to hear anything from them again in my entire life. One more Corporation with lousy customer service. Look out folks.

Updated on 01/11/2017: I decided after writing my first review that I would call the branch manager over at South East 200 and 22nd Avenue. Her name is **. When I got to speak to her I told her that I had gone way over her head and that how I had flown on an airplane Alaska Airlines without an ID and I do know the answers but I've been in a car wreck and my memory was not sharp as a tack lately. And she explained again that they wouldn't give me the money that I failed and as I said "I guess I got angry and I expressed that clearly" and you know I said about how her glamorous looks don't make the banker and then she just rudely hung up on me. If that is the thin skin a banker these days then I think they shouldn't be a banker. The point that I am making here is that I didn't fail the bank but the bank failed me. That is why I am moving on. That is my plan with US Bank. Getting out, closing my account.

When I mailed another payment in for the next month, US Bank added both checks together to the new printed amount on the statement, used the balance from 2 month checks to put in my principal, charged me a late fee and now makes me late from my month to month payments every month. So now I've gone from paying my mortgage early to trying to beat a $44.51 on the 16th of every month. I've spoken to managers and supervisors and have not had the issue resolved.

I also sent US Bank the insurance refund check from Geico (which was a different amount from my mortgage) and asked that it be put in my escrow so I do not owe, US Bank applied it to my principal instead. I had to call them and have them correct that as well! I feel that this bank put set me up to where they can try to get away with late charges from me every month. I'm talking with my credit union tomorrow to possibly refinance with them. Please do not use US Bank as your lender. I am a very unhappy customer dealing with this headache.

It is now the day after Christmas and I had to go through Christmas without my boys and still have no money to get them to see me before the holidays are over. I am baffled that any financial organization can do this to people and get away with it. Not to mention they proceeded to hang up on me twice. Yes I was angry and every time I call I get a different story and I am a mother who could not get her children from college home for Christmas. This year more than ever we needed to be together after losing my dad/their grandpa this year.

At the bottom of your site it says "We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error; so that you will have the use of the money during the time it takes us to complete our investigation." I am on day 10. I am still arguing back and forth after numerous conference calls with both. I am shocked at the lack of help and empathy for my situation.

Funny part is when I complained to the regional office, it goes to the branch manager on whose bad customer service I have the complaint against. He says, "You should have read the laws when you opened an account with our bank that there will be a charge for service". Because the previous Branch Manager and one of the bankers who worked there, were excellent and had excellent customer service skills. I brought in all my family members, contractors and employees to this bank without asking for any referral fee or incentive. Now they treat me like this. Very bad customer service. They lie, they cheat. No one at the bank can be held accountable for their words, actions or service. Stay away from US Bank.

She swears there is no issue with her account and advises me to go back the next day to cash the check she wrote me. I insist that I called my tenant (as they instructed me to do) and that she called to speak with someone at the branch and the 1-800 phone number. My tenant even knew the employees names at the local branch, so I'm positive that she called them. The manager then proceeded to get major attitude with me saying "How many times do I have to tell you, this is a non-negotiable check."

I was fairly irate at this point and the situation escalated into verbal warfare. Never in my life have I had to deal with something like this and not even know why it was happening in the first place. Then they won't even fix the problem after their customer calls them to try and remedy the supposed issue. These guys are highly unprofessional and I would recommend to stay away from them at all costs, even as noncustomers. They promote a culture of bad attitude and self serving behavior. By the way, this particular branch was located at 3450 W Bell Rd. Phoenix, AZ 85053.

First of all, if a machine is ripping folks off, replace it, as 80k to a wealthy bank is much less serious than average Americans losing hundreds of dollars. Secondly, if several folks complain THE SAME DAY, a tech should be sent out IMMEDIATELY, or at least the next business day. I called customer service and spoke to Brittany, who was a sweetheart. She transferred me to Serena, who was extremely rude, and said she would call the techs Monday, but said "I'm not gonna call you back for a status update on the tech." Finally, why was no out of order sign on the machine, warning folks not to make transactions? Serena said it is because they have to have a tech verify it's not working.

I guess US bank feels that because there are dishonest folks out there. We are all lying, coming in at the same time saying the machines are ripping us off. So, I guess US bank will let customers spend the next several days making deposits, because no tech will come out until Monday, and then tell the customers they have to wait almost two weeks for refunds! Their customer service is hit & miss. Sometimes you will talk to a great person, but this Serena is horrible. My brakes went out & I spent over $400 for repairs and had to get money out of savings to cover that & bills. This has put me in a terrible situation, and I closed the savings account, & will close the checking after I cancel auto-payments & direct deposit. Worst bank in America.

Every time I send my payment days before the 16th, I end up being charged a $40+ late fee. I wrote to the bank about this issue. First USA Bank did this before. I moved to PA in 2001. But the week before I moved, I spent one hour over the phone discussing the issue. I told the rep that I believed they were holding my checks, and only sending them to my bank after the due date, so as to charge me a late fee. I told her that while I may not sue them, I predicted that one day, someone would take them to court. The rep laughed.

However, two to three months after moving to PA to start a new job, I received Class Action letters from a law firm. After reading the main complaint, and although it was late for me to join. I thanked God. The chief indictment was exactly the issue about which I had spent considerable time over the phone discussing with them. They mocked me. I felt vindicated. I am suspecting the same issue with US Bank Home Mortgage. There is what I believe any smart attorney could exploit to nail them down. I will withhold that because I am honestly hoping, hoping that this bank would be sued.

What I do not understand is why the government would allow such a monopolistic situation? I mean why allow a single bank to service FHA loans with CDA? This undermines the core principle of competition. Since they are the only bank (that is why my loan officer told me) they feel licensed to behave like sharks. Imagine the bank taking $40+ from hundreds, if not thousands of homeowners, and imagine such a practice going on for years.

In my most recent communication with them, I warned them against a potential litigation. But that has not deterred them from doing it again. Reading other friends' accounts here almost brought tears out of my eyes. I do sincerely believe that something has to be done. If the government does not act to stop this, then we, the consumers must act.

However; I am annoyed that even when you have an overdraft, and the bank is at fault it does not reflect as such on your banking record, it just shows as a past "refunded overdraft", thus appearing as if I screwed up and they rectified my mishap. This has actually hampered them refunding all of my actual mishap in one scenario due to them not being able to see why I had been refunded previously when I in fact knew it was due to a banking error in which they acknowledged. My advice, if you can do direct deposit, choose Silver checking, and if you have any issues... then don't call! Go into the branch and try the old fashioned route and sit down and work it out! US Bank overall is just another for profit, but they're far from the worst!

When I called them they claimed that they just received the payment that day and told me the dealer held my money for 2 months, even though I had evidence to the contrary. Every time I have dealt with the leasing group I have found them to be rude, uncooperative and liars. I would suggest to anyone looking to lease or buy a car they look elsewhere. My new car dealer also stopped dealing with US Bank because they were constantly having these kinds of problems with them. I also tried to find a place on the US Bank website to file a complaint and there is none.

After pleading with the operator to please help me, she put in more effort and gave me a solution. If they had done that in the beginning I would of saved so much time and frustration. Unfortunately, I had to call the next day to dispute the payment. I again was transferred to US Member services and they were not willing to help me. US Card member services cashed my check even though the account is no longer active and is in recovery with a completely different company (to which I have already made arrangements to pay). They tried transferring me to the recovery service which I tried explaining to the operator that it was card member service that cashed my check not the recovery company. They kept repeating the same thing over and over and gave me attitude.

Once I asked to speak to their manager I got more attitude from them and they put me on hold for 20 min. I hung up and called US Bank again and again PLEADED with the operator to help me. She did and finally was transferred to a manager that helped me and explained everything to me. I don't understand if the account is in recovery, how card member service still cashes the check. They are horrible banking institution that purposely make resolving an issue impossible, but are extremely quick to take your money.

The other issue happened when I had to make a couple of big purchases and get my car maintained on the same day. Apparently it exceeded the spending limit. When I went to pick up my car, my card was declined. I called the bank and they said they could not make changes and I would have to wait until the next day for my limit to reset. How are you not able to override such thing, if you have money in your bank account? On top of that, I was going to be left without a car for a day!? What kind of business does that?!

I then find that I have a 60-day late payment from USB on my credit report. I have a flawless report otherwise. It makes no sense as to why this would happen. I am positive I paid this card in full. I contacted them and I received a robotic response of how the records show true to them. In fear of this happening again, I go online to just pay the card off and cancel it. I put a payment in, submit it, only to find out that this payment did not go through either. It turns out their site is down and has been for months. They allow you to hit submit thinking the payment went through and then they tack on late fees and ruin your credit for 7 years. It is just not worth it. If you absolutely need a card from them. Use it until you can get another card elsewhere and then cancel the USB card as soon as possible. You have been forewarned.

When I called again I was informed that since 2 items had been returned for a total of $100 dollars that I was short $45 dollars. Unbelievable. Additionally I was told that I made a late payment and that disqualified me for the 0% interest program. I was charged a late fee. I called the bank and proved to them that I did pay on time and the fee was removed. The following month I got an interest charge. When I called I was informed that since I had a late fee I now had to pay interest. I got the late fee removed but was then told that I needed a supervisor to file a request to reinstate me back in the 0% program.

I spoke with the supervisor and was told that she put in a request for me but that it would take a certain amount of business days before it happened. So there is the possibility that I would again be charged. So of course I would have to call again. I have had to call every month on this account. Truthfully this is nothing more than bait and switch, a real ponzi scheme. This bank is a terror. I know all bankers are liars and cheats but these guys go above and beyond.

Well, my youngest son graduated college in April of this year. He had used the card while traveling between states and in his college state. This August, he was accepted to grad school and left for the East Coast. As he was moving into his apartment, he attempted to use the card at a grocery store, and then Costco, but it was declined. He was on the phone with US Bank for over 50 minutes, to no avail. They continued to tell him that they could not provide him information, despite the fact that he had a card with his name on it, and he was authorized on the account. As a grad student, his funds were quite limited, so this posed a BIG ISSUE!

I was at an event at the time, so could not call immediately. When I finally did call (approximately 8 PM), it took over 45 minutes to speak to a HUMAN. Then I was told the card was cut off because of potential fraud as it was being used out of state. Really. Never had a problem before! Also, why didn't someone text, email, or contact me, to inquire??? Why would they not speak to my son? Why did it take almost 2 hours of calls to get this resolved? I was left with many why's and VERY angry. The Rep I spoke to apologized profusely, and confirmed my son was an authorized user and on the account and should have been able to resolve with his calls. I have had the US Bank Visa for many years. I will not have it for much longer.

By contrast, this week, our Capital One card sent an Email and a text of potential fraudulent activity. I confirmed it WAS fraudulent activity. They had me call the fraud area, a new card was sent to me NEXT BUSINESS MORNING, and it was a pleasant experience. This, despite the fact that $488 in fraud charges were stopped, and $121 in fraud charges were actually put through. The rep assured me those $121 charges would be removed from the bill that day (they were). With very little distinguishing credit cards, customer service is all they have. US Bank needs to step it up.

US Bank then overcharged me at the termination lease. Again, I had to call multiple times to argue the charges. Each time I was put on hold for excessive wait times. Every time, the call representative I spoke to did not have information about my lease and was not able to help me. Very very Terrible Customer Service!!! Avoid US Bank!!!

So Tuesday comes and they still hadn't released the funds but I got hit with 4 OD fees?! I hadn't even used my card in days! I tried calling the bank I opened my account at and no one answers all day. I think they all died. So I called a different branch. Only to be told they couldn't do anything because they are not the branch I opened my account with... seriously... The lady was a bit more helpful and got in touch with the other branch. An assistant manager called me and refunded 2 of the OD fees, what about any of the other 18 fees I got hit with? I went through my bank statement and I had been hit with fees when I had funds available. So yesterday I tried to contact someone about it again and I was told to go into the branch so I could show them what I was seeing compared to what their records show.... why are they not the same?! I was asked if I kept a list of all my transactions... which I don't.

I have always relied on my online banking to do that. NEVER had I had a problem like this before. EVER. Basically the lady tells me that if I didn't keep track I can't prove the bank made a mistake... seriously? So today I check the account and they reversed my atm deposit?! Umm.. why?! Not only had they hit me with OD fees for no reason.

Now I'm in the hole over 400 $ because they said there was only 11$ in envelope... Are. You. Freaking. Kidding. Me. So. Now they have closed my account and have started an investigation on atm fraud... This bank is a joke. Their employees are a joke... especially in Cookeville and Sparts TN. So now I have to deal with all this bs and since I didn't keep a written record of every single transaction I'm basically screwed because I can't prove anything! Amazing.

I live in California, but I opened my account in Joplin Mo. and I must say that the day when I opened my account at U.S. Bank was a day of great fortune for me. All across the U.S. at every branch of the U.S. bank that I have ever been to, the service, the knowledge and the cordiality always has been absolutely superb. I am very grateful to the U.S. Bank for being such a great place to bank, and for offering such a great help and service. Many regards to all of its employees, and especially to Mr. **, who has moved me to write this review with his friendliness, courtesy and great service!… Thank you so much!

August 2016, paid my car payment online. On USBANK.COM with my debit card it went through, I'm thinking I don't have to deal with RACIST bank ever again. NOPE!! they reversed by payment. Why? US Bank could not verify the routing number and account number of the CREDIT CARD. AGAIN WTF?! HORRIBLE BANK! STAY AWAY!!! Save your sanity. I'm sure banks like this better off closed. Which will happen soon enough.

Updated on 01/19/2017: This branch closed my checking account with no notice today. When I called the bank to ask why they told me it was because of the way I was when I came to the bank last Fri. I told her I have not been to a bank branch in 5 years. I do all my banking online. She didn't have any answer and said it was closed? I told her I have outstanding checks out and need to be paid, "how can you just close someone's account without any notice?" She just hung up on me. I have calls into upper management but so far no one has returned any calls. Banks just flat out suck any more. If I could stop using one I WOULD!

She closed my account, issued my check and then I walked over to a teller to cash it. They would not do it since I did not have an account there. I said what?!?! I've been a customer for 20+ years, the check was written at this very bank just five minutes earlier. She said there would be a $20.00 fee. I was astonished. I feel it is very poor customer service. I left shaking my head. Went right over to my bank on the next corner, cashed it right then and there. I am glad that I chose to close my US Bank account. I felt very mistreated at a place that my late husband and I used to frequent regularly.

Second, Last week I tried to withdraw some money using my international visa card from their ATM front the bank and the machine pall over my card. Then, I went to the bank and I told them what happen. They told me that the lady who is in charge of the machine has already left and she will be in tomorrow morning and they ask me to leave my phone number and she will call me when she gets in. Next morning nobody called me so I went to the bank to find that the lady has shredded my visa card. When I asked about the reason why she did this I was told that is the policy of the bank. The instructions that they posted on the machine did not mention anything indicating this risk. This card is international card and I need at least two months to get another one. I do not have money to meet my financial obligations.

Two months ago, I went to the bank but Nathan was not there. A mean-looking ** woman who received me said she didn't understand why Nathan told me what he did. She asked me to return early September so she'd look into my account. In the meantime, she said Nathan was no longer employed at US Bank. On September 6, 2916 at around 5:30pm, I went to the bank to follow up on the matter. I sat waiting to see the ** woman, who is apparently the new branch manageress. She was chit chatting with one of her fellow female employees. After about 10 minutes, the manageress apparently instructed her junior to attend to me. I told the junior employee that the last time I was in the bank, I spoke to her boss and therefore it'd be nice if she'd continue from where we last left. Moreover, the issues I went to solve could only be addressed by the manageress.

She left and they both talked. The junior walked out of her boss' office and later on came to me with a security guard. She told me her boss had ordered I be escorted out of the bank. I asked what I had done to be escorted out. I wasn't violent or threatening to acting violently; I was not agitates or in any way rude. The ** woman came out and told the guard to remove me out of the bank immediately. I am in shock and contemplating a lawsuit against the bank for this obvious racially motivated humiliation.

Next the bank took money from a reserve credit line to cover the damage and made the account not overdraft. Then they sent me a bill for that credit line. And yes the bill had 21% interest added to the amount. These predatory techniques were well noticed and I will report it at every avenue so people think twice before banking with US Bank. And fun fact: I got the w9 in mail 2 days prior to the event and the agent on the phone said that my accounts had no problem and said someone was trying to hustle me to give my social away and asked me to tear up the form.

My mortgage started out at 150,000 and now I owe only 28 thousand dollars, so of course the bank would like to foreclose and leave me with no home, nowhere to go, and no options for help. Since no one will help me, I have nowhere to turn. I am hoping you can put me in some sort of Direction before I lose my home. I am not opposed to selling it, but I have to have someplace to go or I'm going to be not only a widow but a widow and homeless. Any help you can give me or Direction would be greatly appreciated. I am running out of time and I'm going to end up with nothing.

Next issue was US Bank removing a mortgage payment from our checking account when we were told we would not have to make the next two mortgage payments. Our Loan Processor informed us it was an error on their part and we would get the $1811 payment back at closing in addition to $1900. At closing, my name was spelled wrong on every document, we were charged a late fee of $75 with no explanation of what the late fee was for and the $100 lawyer fee was not showing as a credit on the closing documents. I was told to go ahead and put a line through all my misspelled names and then initial it and that they would figure out later why I didn't get my $100 refund on the lawyer fee or why they were charging me $75 late fee. I would not sign that night. I was told the closing documents would be fixed and the closing would be the next week.

US Bank did not schedule the closing until a couple of weeks later. At that time, I was told I would not get my $1811 back in the form of a check because they waited too long to reschedule my 2nd closing and then told me that Michigan has a law that you can't get more than $2000 back at closing. Since I was already getting $1900 back, US Bank decided that they would apply the $1811 to my new loan. I did not agree with them because I would not benefit from them taking MY $1811 cash and putting it against a 30 year loan. I needed that cash now.

I was extremely upset with US Bank and losing sleep over the entire situation. I told the Loan Processor, Jacqueline, that I was not comfortable with how US Bank was handling the refinance and wanted out. She agreed that this was US Bank's fault and told me that US Bank was going to refund my $395 application fee and not charge me for the $500 appraisal. Jacqueline told me that the $395 application fee would be refunded to my credit card in 2 to 4 weeks. I have an email to prove it.

6 weeks goes by and I tell Jacqueline that I still have not received the refund. She tells me that "I just heard back from Chad's supervisor. Per her remark in your file, they were legally required to charge the $395 application fee since your loan was final approved. However, they did not charge the $500 appraisal fee which normally happens when a loan is cancelled." After, US Bank made such a disaster of my refinance I shopped around. No other bank was going to charge me an application fee. What is up with US Bank charging a fee... and I'm a current customer?!? The other banks also had lower interest rates.

What a dishonest company!! For the last 6 weeks, I was told by Jacqueline that I would not have to pay for the appraisal and would get the application fee refunded and NOW she tells me US Bank decided they weren't going to refund the application fee. They are very unprofessional and do not care about customer relations. Think of all the interest they would have made from us over the next 30 years and now some other bank is going to get our business. My son is also refinancing and is steering clear of US Bank.

Provided all the requested information on day 1 after signing my disclosure package. Loan processor does not know what she needs. She was not able to calculate my cash in hand (simple math) which can be done by looking at my statements. If anything was short she would advise us that these additional documentation is missing. Before the agreed loan closing date a week before that on Friday before long weekend she calls me and asks me for additional documentation (docs are already provided) and says if I can't provide that day they cannot complete as agreed.

They were sleeping on the docs for a good month and nice way for them to push the dates saying I have not provided the necessary documents. Now there is not even a commitment that they finish my loan within that stipulated time. My seller is now threatening to cancel the agreement (obviously as it has exceeded the time). I would STRONGLY RECOMMEND NOT TO GO WITH THIS BANK .

activities beyond their control take place? I am being treated like a criminal through no fault of my own.

criminalized by the bank for the actions of another? I am a poor 73 year old with a leg missing and living on a fixed income. This action on the part of the bank is shocking to say the least. There is apparently no recourse for me. I was victimized by the depositor and now I am further victimized by the bank. I did not sign up for this treatment. I have acted in good faith, the depositor did not, for unknown reason.

When he called two weeks later. I made him aware at that time that I am still waiting and I have not heard anything from US Bank. He promised to look into this for me and get back with me as soon as possible. A month goes by and he calls me again to introduce himself and to ask me is there anything he can help me with regarding my modification. By this time I am angry because I have been waiting 4 weeks for him to call me back and he never did. Then he calls me and forgets that he even talked to me. He has no record in his computer of our last conversation. I made him aware not to call me until you can give me some information concerning my modification. Since that time, he continues to forget who I am and continues to call as if I am the first time he has ever called me. Very Frustrated.

Since that time, my mortgage account was removed from my online bill pay account through US Bank. I have not received any more notification as to the result of my modification after they made me jump hoops to do a quit claim deed to remove my ex-husband. I have provided all the information that they requested. I am very frustrated with US Bank since I have had my loan sold to them. They refuse to give me a loan modification in 2009 forcing me to hire a lawyer in order to get my payments lowered.

They have went up on my rate 3 times in the past two years. My payments were at an affordable $1300.00 a month 2 years ago to now $1,800.00 a month. I have requested several assumption loans in order to get my ex-husband removed from my home to which they denied saying that I do not make enough, but I am the only one residing in the home and making the payment. Then to top it off, I was a few dollars short on my July payment because I was not made aware that the property taxes has risen and instead of them posting my payment to July 2016 they stuck it in a suspense account and charged me a late fee of $90.00. It took two months to get this straight because when I made my August Payment they applied it to my July Payment and my $1862.00 was still in the suspense account.

This bank by far is the most unreasonable bank to work with. I had a checking account for my rental property in Illinois. I closed it due to the fact I want very little contact if none at all to do with US Bank. You are not customer friendly at all. When I have reached out to you in my financial need you have not showed any compassion in the least. You do not follow up with your own regulations and timelines. Your staff is not trained and provide wrong information. I am so highly disappointed with your company. I will never ever refer anyone for your services ever.

I have accepted a position as of last Friday and which I had only $800 left in my account for utilities, food and for my insulin. When I checked my bank account this morning US Bank without my permission has taken approximately $400 from account for their payments. So I guess it is extremely important to US Bank that they get their money and it does not matter that I can't eat, live in my home or have insulin for my diabetes. "Really only $800 in my checking." Of course this is typical for huge corporations to take their money first rather than work with their customers or communities when hard times strike. Shame on you on US Bank. :( :(

To this day I'm denied access to my money. I'm embarrassed at how I'm spoken too and I also believe that higher-ups at US Bank are prejudice... I read their employee reviews and they complained how minorities never get promotions qualified but denied. I have been made to feel like this too. So sad. I'm gonna use my g.i. loan but not with them. No you lose out cause whoever is unfaithful with little is unfaithful with a lot. Game over for the clansman. I deposit one of over fifty cashiers checks which should be like money. No they put a hold on my damn money. Unacceptable and you let century twenty one mistreat me to death while you allowed it. You lost a good customer who is gonna notify 500000 people to close their accounts. We customers make you. It's not ok to treat me foul coz I'm turning you in. Broken hearted, frustrated and defrauded, abandoned is all I got.

Now I have been on 5 phone calls with their 'customer service' and put on hold for 30 minutes before I hung up and re called in then put on hold for 18 minutes before I called back in... Then I got in touch directly with the department that apparently handles overdue balances on account?? Which remember I was given a check back in the day for the remainder on these accounts!! They paid me when I left! Then I talk to a lady from this department and obviously by now I am frustrated... So she gets snappy with and says she's going to transfer me to the department that can breakdown what this balance is from and go over the statement.

So I get transferred again after talking to her for 20 minutes and her basically coming up with nothing besides the opening date of the account and now I got transferred back to the main line to start from scratch again!!! Unbelievable!! I am positive this service rep did that on purpose too!! Like she knew it would screw my time over even further.

US Bank is resold/white label to local banks under names like "Elan Financial" and ultimately local neighborhood brands -- when there's a problem, have to deal with US Bank fraud disputes. Agreement: Latrisha from US Bank - Fraud, lacks authority to do anything. Justin never answers his phone. Dimitric never answers his phone. Agreement: Angelo from US Bank - Fraud, lacks authority to do anything. Marilyn refused to listen and kicked me to customer service.

Of course I will close my accounts (multiple), but the problem is closing will happen silently some weeks from now after a transition, and nobody will notice. It should be loud and clear I am closing accounts because US Bank protects and profits from fraud, and refuses to address valid claims of bank fraud if they can find any excuse to avoid it.

Second issue today, I cancelled some bill pay payments online and I knew I should have called them because they were going to screw me over. Guess what? I called them because the payment went through. It overdrew my account and they said "You never cancelled that payment". I could have bet a million dollars they were going to do that, just so they could get my $35. I work my butt off to have money and my Financial Institute, US Bank, loves to rip me off!! I hate this bank so much now!!!

I went and opened a account at another bank. When I sent my employer my direct deposit info they replied that they already sent payroll in. So I call US Bank and asked them to explain how they can tell me the account is closing and I have no access to my money but yet they will still receive money of mine. I even went to the point of telling them it's fraud. Don't accept it. But they still won't. And now they are saying two weeks till they mail a check. The customer service sucks. Their accepting money to a closed account is cheap.

This all occurred about a month ago. The charges to my account was about $600.00. I deposited over $2500.00. I tried to close my account. They refused. They paid nothing. The end result, I still owe over $700.00. They took over a month's income, paid nothing and left me $700.00 in the hole. I am a veteran on permanent disability. I have lost my residence, I have lost just about everything because of this. When I was able to close my account stopping more fees. The branch manager, with a slight grin on her face said how unfortunate this was but nothing she could do.

I'll find out tomorrow about surgery on my back. Someplace to stay anyway. True, it is my fault my account was overdrawn. I tried to catch it up. I could not however match the speed US Bank assessed their fees. Almost $3000.00. Offered me no help. Their customer service and policies suck. Employees at branch level snotty and rude. Too bad for me. If this sounds like a bank you want, good luck. Maybe I'll get a free ticket to the new Viking Stadium?

I asked about any notices of this that were sent out and he says flatly "it was in the disclosures when you signed up 2 years ago..." So I say it said we can turn this off any ole time we want and not tell you? YES! So YOU prevented me from making a deposit 5 minutes after I got the notice that would more than cover the SMALL overdraft and now I eat a $36.00 FEE that was charged the next day??? YES! Then he went on a ramble ignoring me trying to speak and basically like that bank it is tough ** and bye bye. The nerve asks, "Is there anything else I can do for you today?" I quickly hung up before I told him EXACTLY what he could do. Moving banks today!

Fast forward 45 min. I made a sign that said "** US Bank and U.S. Bank stole $400 from me." I stood outside the bank branch for two hours with the signs to no avail. So I upped the stakes, I took every piece of clothing I had on OFF. Except my underwear of course. Another 10 minutes go by, I pull my underwear up my butt cheeks. Within two minutes a lady came out and said "we have your money." I said "I bet you do, but you made me go this far so I am going to do it the rest of the day. I'm sick and tired of you and the airlines crapping on people." I continued my protest, butt cheeks exposed in front of the US Bank.

At approximately 2:30 pm the Colorado Springs Police pulled up and smashed handcuffs on me. I asked if I was under arrest. The Officer said yes for going inside the bank branch and causing a scene. I calmly told the officer the situation and to please check any audio/video of the alleged misconduct. I also told him that I was going to hire a constitutional lawyer to sue US Bank. Needless to say the bank lied and I was let go. Currently seeking Counsel to sue these **.

I couldn't imagine why, but found that a safe deposit charge that comes out once a year had gone through which put my account into a -$15 balance. Then a $36 overdraft fee was applied, and then weekly charges of $15. Long story short... I owed the bank $230. I went into the branch closest to me, and the manager there said he could totally see what had happened, and was going to waive the fees and reinstate the account, but realized I had opened the account down the road. He explained that the branch manager there would have to do it, but he would call her and explain the situation.

When I spoke with the branch manager there she told me her hands were tied and she had no intention of reversing any of the charges stating that they had mailed me notices (which I didn't get because I was on vacation and didn't go into the town where I get mail). I tried to explain this to her. I have never ever asked to have a fee reversed in 25 years, but this was an honest mistake. She didn't care. I paid the $230 in fees so the account would be reinstated because I need access to the account to get my records for taxes etc.

She refused to reopen the account. She said she could open a new account. When I explained I needed access to the statements she told me it wasn't possible, and that she had to charge me $12 for each month's statement (I need all of 2015 and so far this year in 2016 18 statements). I have never been treated so poorly. I know it was within her power to help me and she refused. I will be closing my other 2 accounts and spreading the word of my experience. It was so unacceptable. Shame on you US Bank for hiring and putting up with an employee who has so little regard for the people who keep you in business.

Then fraud happened, not even a year later. The following October, someone stole all my credit card data and put it up on some ghetto website with all my personal private info saying they had gleaned it in a security flaw in a massive US Bank Home Depot scam. My account was drained of money, shut down, savings and checking, and held for over 30 days as they sent me paper after paper after paper to sign and mail, sign and mail. I think I got all my money back, I don't honestly remember, but it was in excess of 30 days to get my account straight and touch my money. I was told that "If you had our credit card, you'd automatically have this protection".

I got the credit card and within a month had a strange charge for 40 bucks or so, and immediately got told to "handle it yourself. We don't do anything for fraudulent charges." So I confirmed "You want me to call this random string of numbers company...demand a refund, and do everything myself because 'they just don't do that kind of thing.'"

Then I got my first real job. Yep, the job of my dreams, fat paychecks, everything. Direct deposit set up, things going smoothly, boom, payday. I was so excited, checked my account...nothing. Friday nothing, Saturday nothing, Sunday nothing, Monday nothing, Tuesday nothing, Wednesday, HAH, payment, five days later. I asked US Bank why it took five days for my check to hit, "Oh, we never received the deposit until Tuesday night". My co-workers got their money on that Friday. Two weeks later, payday on Friday, I get it the following Monday. This goes on, pay on Friday, get money on anywhere from Monday to Wednesday. US Bank says they don't show pending and it's my company. My company shows where it's gone through on Thursday at midnight, just like it should.

I got a new bank account with Union. What dya know? Paycheck comes in on time every time. I all but stopped using US Bank. I used them for PayPal transactions. Then the new mobile app for depositing checks happens. YAY! No more bank trips! Did you know they charge you to deposit checks? I deposited a 25$ check with only .22 cents in my account. Guess which loyal US Bank customer got an overdraft fee for PUTTING MONEY INTO her account? This girl! :D After a rousing few moments of supreme "WTFs" from my local branch manager on their charges, he reversed them, but I was still sans money a few days.

They changed, randomly, the rewards for my rewards credit card. That was lovely. I used to get a maximum of 25$ in rewards every three months. Sucks, but I was building my credit. Now, it's 15$. No warning, nothing, just BOOM, "We changed your rewards." I'm not overly happy with them. I'd suggest not using them, but they were an excellent life lesson in how to protect yourself.

The denial said due to credit but my score is 705. I had even asked my current mortgage company to send US Bank my payoff as US Bank asked, so that will probably be charged to me. I am NOT happy with US Bank and I cannot get any answers. During this entire process, I NEVER heard from my loan officer even after I emailed him. I know he was getting the papers I send to him as they would post on my "Application Dashboard" as received. Very unprofessional.

Sometimes I'd accidentally have auto subs on and would go under about $0.50 and would get charged $36 every single night and with me not knowing it was hard to repay the fees especially since they charged an additional $25 per week!! Obviously being a poor college student WITH a student account I found it absolutely outrageous for me to get charged $36 for 50 cents?? And I have heard of you being able to call and ask for fees being lifted but I have never seem to ever have luck. Their over the phone customer service absolutely sucks by the way... I have called many times about dumb issues where my card would no work when I would have plenty of funds for my purchases and they would give me dumb ** excuses. Adding on from that I probably had problems with my card every other week for about 6 months this past winter.

With them sending out new chip cards and then it not working so they'd have to send me another and it still would work I had to go in and ask for a temporary card leaving me stranded without money for days. I have also tried plenty of times applying for credit cards especially student ones, even secured. I have never been approved due to "lack of credit experience" which I find very hard to believe since I do have an above average credit score from paying bills and loans. Speaking of loans, I ended up having to take out a loan through another bank due to U.S. Bank not offering the type I needed. I have found a lot of inconveniences of having to go other places because this bank has close to nothing to offer besides taking your money. I am finally closing my account after probably my 100th fee taken out of my money!! This bank absolutely sucks, never going back to them ever again!!

After making the 2 deposits using mobile upload, $200 was available immediate from both checks, of which I did in fact use. However, following it began the nightmare. US BANK pretty much froze my acct placing the two checks on hold and all of a sudden, the debits from my prior deposits were showing on my acct as if I had just made them and like my acct was previously overdrawn and was not. By doing so several overdraft fees accumulated due to this and they refused to make good of my funds on hold giving me a date of 10 days for them to be available. During the hold my balance would change every day up and down new overdraft fees.

Customer Service telling me when my funds would be available and a day of Im then told my accts really frozen and my accts being closed and takes 7-15 days and I could not receive my money until after that time and by cashiers check. Claiming I was abusing the acct due to 1 returned item I was fine go ahead close it. I had a positive amount due to me and told several times last week my check had been mailed out & then 2 days ago told not true and they're still trying to verify a check from the county that was deposited over a month ago. I talk to branch corporate, district operations mgr is a con artist, told me Id get my money the next day. Next day comes and all of a sudden the check that was deposited with the county check they LIE and say it was returned.

I've verified the accuracy of the lie and told it was paid unto them. However its a month later and they did everything they could to keep my money and now claim my accts in the negative and I owe them money. BS opening and closing my acct. And since I'm not ASIAN I'm treated like a nobody at the SEAFOOD CITY branch where my acct was assigned to and racists very much so DO NOT BANK WITH US BANK... VERY DISCRIMINATIVE AND JUDGMENTAL AND WILL STEAL FROM YOU WITH FALSE JUSTIFICATIONS.

Well we are now at the 10th day and I have yet to receive any provisional credit or any assistance from US Bank. Whenever I call for a status I am simply told "We cannot contact that department. There is no way to get an update on the reissued credit." This to me is absolutely unacceptable!! I understand banks need to go through their processes with fraud but making someone who is unemployed (or anyone) wait more than 10 days for a credit is just not good customer service especially when there is fraud activity. Based on their customer service I would NEVER bank with them if I had my choice!! Disgusted!

Upon contacting US Bank I was told a request for information was sent to an old address of mine and sent "certified". This request was sent to my old address on 4/13/16 despite my call to them on 3/20/16 telling them I would be traveling internationally and would no longer be at that address. In addition, the letter containing my personal information was left OUTSIDE ON THE DOORSTEP for anyone to collect. There was never any phone call or other contact from US Bank.

Account review manager Amanda ** refused to provide me with a copy of my card member terms. She also refused to tell me when my account was opened, why specifically it was closed and refused to provide me with a copy of the letter (containing personal information about me) that was left at the incorrect address. I requested an opportunity to respond to the letter request and to simply get a copy of the letter (to see what personal information was included about me) I was rudely refused.

Surely I should have some privacy rights and rights as a cardholder with US Bank??? It is shocking to me to experience such terrible customer service and I feel my rights have clearly been violated. If any lawyer who may read this feels they could help me I would like to discuss the matter with you. I have already filed a complaint with the Better Business Bureau. I can be reached at **. Thank you.

On a final note - if anyone at US Bank reads this SHAME ON YOU for accepting 8.5 billion of our tax dollars during your bailout only to turn around and treat customers in this manner. You may be a huge company but that should not give you the feeling you can violate your customers' rights as Amanda ** and others at your company have done.

When I did point them out I was bullied into signing incorrect documents and told "I was holding up the process" and we wouldn't make closing in time if I didn't cooperate. He assured me that these mistakes would be remedied, yet it took four additional months for an underwriter to come back to me and highlight the mistakes that I had already pointed out. Unfortunately this was only the beginning of a 5 month process whereby I was asked for the same documentation repeatedly, I had to provide the same examples over and over again and I was treated appallingly at every turn. I think that they act with such contempt as they are the only provider of the type of mortgage I was seeking - thus they had no accountability.

Eventually I had to walk away from the property of my dreams. To add insult to injury when I highlighted how disappointed I was in the failings of this process all Vince had to say for himself was "You are welcome" as if I should have been more grateful. Grateful I wasted 5 months of my life doing someone else's job for them. Grateful I am no longer able to purchase this home. Grateful this mortgage application will sit on my credit report. The only thing I am grateful for is I never have to speak to or work with US Bank again. Stay away from this institution at all costs to avoid heartache.

Yesterday we got letter stating our escrow was cancelled and sent back money. Of course taxes are due Jun. 20th so now we have to pay taxes ourselves and give them 678.00 to put in escrow if its gets approved. We are so frustrated I could just cry. Let me warn you. Financing wasn't hard but escrow dept are HORRIBLE, NOT FRIENDLY and they basically don't care. It's not them so OH WELL. Now it will take another 3 months to try and get set up. I wished we would have stayed with Wells Fargo. Never had a problem.

I never received any correspondence to my address that my account was delinquent. And because it was delinquent, I was just disapproved to refinance my home. I submitted a letter to Card Member Services regarding not being properly notified that my account was delinquent. Card Member services basically sent me a letter saying, "Sorry, we're not changing anything." My next step is to contact the credit bureaus and advise them so that if I'm ever denied credit, I can produce the rebuttal letter. US Bank is only concerned about $$$ as most banks. The "We care about the customer" went out with the 1960's.

I call customer service to see what the massive problem with my pay history is because surely there has to be SOME type of ongoing issue to warrant such a reduction in my limit. Per two calls to their customer service center (one including a conversation with a supervisor) I am told this is all because my current payment is past due. AND IT IS. Guilty as charged. We got busy with baseball season with my son and overlooked making a payment. ONE payment! A payment that was due on Thursday 04/28/16 and on the following Monday 05/02/16 (TWO BUSINESS DAYS LATER) U.S.Bank fires out a letter telling me that my pay history is so negative that they have decided to make this change.

So let me get this straight... I use my card occasionally when I have the need, pay my payments on time (except this ONE), and then as soon as I can I pay off the balance in full (because that's what a responsible consumer should do). Then I am two business days late on ONE payment by your own admission of reading your own records and you see fit to reduce my credit limit and show my card basically maxed out when it reports to my credit. Your only solution that you can offer to what even YOU say seems to be "a bit of an aggressive response" is that you will be happy to run my credit again to see if US Bank is open to putting my limit back to where it was. NO THANK YOU! If someone is going to run my credit again it will be someone I can trust to treat me like a valued client.

The reality here people, is that US Bank doesn't like the fact that I customarily pay my card on time, pay off my balances quickly, and don't use a credit card unless I need to. BOTTOM LINE. They aren't making enough money off of me. What a shame. GREED will get you every time. Well you could have made some interest on this balance for a while, but in light of how you have treated me I've decided that is not going to be acceptable. So I have paid you off. FOR THE LAST TIME. Enjoy making ZERO interest on me because now my balance is zero AGAIN. AND I have closed my account. Ladies and Gentlemen if you want a bank that will treat you fairly, and respects a person that can handle their finances... move along because US Bank is not for you!

She makes payments and gets caught up when she can. She has been behind by up to 2 months at one time but always gets her account caught up as soon as possible. She would like to lower her minimum payment to get through a difficult time while her spouse searches for new employment. She is currently supporting her family with only her income. US Bank refuses to work with her in adjusting her plan. I'm sure they are charging her late payment fees monthly which essentially negates any payment she makes. In this regard, she has no chance of gaining on the balance of the loan.

This is reminiscent of the racket I experienced with a US Bank Checking account I had for a short time in 2004. US Bank was holding electronic direct payroll deposits (guaranteed transfer of funds) from my employer for a minimum of 5 days. I had other accounts at other institutions that electronic direct payroll deposits would post to my accounts almost immediately the same day of the deposit.

US Bank never informed me of the 5 day positing policy. As a result, I unknowingly over drafted my checking account. US Bank would then charge $35-$40 per check. This resulted in about $240 - $260 overdraft fee. After US Bank refused to assist with removing the fees or providing documentation that they informed me, I immediately closed my accounts. I will never knowingly do business with this institution ever again.

For three years they made me work with Wells Fargo that is also the lowest and lowest and denied my re-modification request for all sorts of phony reasons. It turned out that they had an in-house program I qualify for and they could have approve me from the very beginning. Only when the state forced them into the government program did the approve my modification.

And when they finally approved me they denied answering any of my questions about my second mortgage until I made the first trial payment. Then they told me I have to clear the title with the second mortgage otherwise the re-modification offer will be withdrawn. So they have given me a contract they knew I could never fulfill and they took my money knowing that it will be all in vain for me. This company is the lowest of lowest and I hope that they get the taste of their own medicine.

This teller handed me a handwritten receipt with no account number listed with tomorrow's date stamp (because their system could Not do that!) with a portion of that cashier’s check. And I bet you when I go back tomorrow they won’t be able to find it and it takes *** amount of days - so that they can foreclose on the house. Beware. Predatory. Lender. I see this as what a con man would do and I consider this a fraudulent act. On top of that this bank manager was extremely rude. There should be a minus star because they don't deserve one at all.

I found from an employee at 2pm that my loan was disapproved - Mr ** actually yelled at me on two different occasions when he promised me he would send money. I have never been treated like that from loan company and I have talked to over 30 companies in last 14 days. The man lied to me when he said he would send money - I have copy of letter saying it was approved on 4 may 2016. I explained I needed money to pay urgent bill at the time the letter was sent to me.

They looked at it and said "OK you are correct" then came back and said the check looks fake. I said "It's coming from a huge insurance company that makes more money than US Bank." Then he said "We'll deal with the branch. We are done helping you." I said "You guys brag about a 5 star customer service. Where is it?" He said "Deal with the branch." I said "I am asking you where is the said..." Again "Deal with the branch." I am switching banks to go back to Wells Fargo. I'll drive 15 min out of the way to never have issues.

My mother passed in 2014 also from cancer. My mother was not well. She was sick all of her life. I can't understand how someone can take advantage of my mother and give her a home loan. Well I figured out that the title company Chicago Title Insurance Company did not search correctly. The loan was done illegally. The deed reads Meliton ** deceased and Jane **. Transfer deed to Milton **. Now do you see where they did not read correctly? My name is Milton ** spelled with a ( I ) not ( E ) Meliton **. So they gave a loan on my home without my knowing. Please. This needs to be taken care of. Help.

For giggles, let's round this down to 4 weeks and take that number and multiply it by 12. $9,420 is what I would pay annually if this pattern continued. Now before you write me back the token, "take advantage of overdraft protection" blah blah blah. I have looked into every possible measure to avoid these outrageous fees. I've even opted out of overdraft payments as to block further charges... however, it's worthless because U.S. Bank will still selectively allow charges to go through resulting in more fees. I, like many other Americans don't have a surplus of funds to offset the margin it seems to take in order to guarantee I don't receive this $36 load of crap. The other selective activity I've noticed is between the hours of midnight and 7 am. During this time anything is possible; charges disappear/reappear, pending transactions re-order themselves selectively and finally any number of other anomaly's that align perfectly in order to charge me more fees.

So thank you US Bank for being a business that works to the benefit of their customer. An institution that protects the finances of the hardworking men and women that rely on honest and ethical practices which allow them to support their families and put a roof over their head. That when people like me... call customer service or visit a branch to question the validity of these outrageous fees (as I've done many times), get absolutely nowhere and treated disrespectfully. It seems logical at this point that I should simply close my account. In this case, however, I want to see and document just how far this goes. I think others might be curious as well.

I absolutely hate this bank and should have never remained after they changed from FIRSTSTAR. I told Snezana ** I wanted to close out my account and no longer wished to do business there and she refused, stating that the earliest to close the account is April 21, 2016. Trust I will be there bright and early on that date to close the account and say good riddance to this horrible entity.

I had my family calling me and people showing up at my house all due to my property being put up for sale due to foreclosure Feb. 2016! When I reached out to US Bank I got no return calls at all! I went into my local branch and talked to the Branch Manager first and he told me that he was going to contact Bowling Green Processing Center to find out what was going on and where my funds were attached because obviously they were not attached to my account!

Four days after I talked to the branch manager I went back in for a follow up and talked to a teller who told me that no notes were on my account and she knew nothing of what I was talking about! You can't imagine the frustration of having to explain myself yet again! I am so glad that I did get Shelby that day because in my eyes she is the only person at US Bank that gives a damn about my issue and actually sees my account and proof of payment and realizes that I didn't make the mistake here... they did! However, Shelby was not authorized to do anything or even talk to anyone about my account!

So I was pushed off to a Cleveland Office to a person named Sherry. Sherry never even returned my call or Shelby's call... Instead I was asked by a colleague of Sherry's to notify Consumer Reports. I tried to reach out to Patricia Bey at US Bank who was on the letter that I received in Feb. 2016 and I am now on day 2 of no return call from her either! I am at a loss at this point, LITERALLY! I don't understand why no one will help me or why the one person that wants to help me CAN'T???

A week later, the bank informed me the cashier's check was a forgery and they were deducting the full amount from my account. I went to the branch manager to explain that she said the check cleared. She said the 1-day approval was a courtesy because I was a good customer and they had no reason to suspect the check was bad. Obviously, I was concerned, which is why I asked if the check had cleared. She then explained that it takes 3-5 days for the check to fully clear from the issuing institution. The bank's policy on bad checks is to deduct the amount from the customer's account (mine). She verified with her boss that the bank was unwilling to accept the loss. I also called the 800 number, spoke with a supervisor and got the same response.

I relied on the bank to tell me if the check cleared. If they had concerns, they should have told me then, not waited a week. If they suspected an issue, they should have asked me about the sender. In short, I relied upon them to protect me against a bad check by asking if the check cleared and they lied. I will never do business with them again and I'm writing this to help protect you from making the same mistake.

Original Review: April 5, 2016

I accepted one of US Bank's interest-free checks to pay off another account. I had a $86 outstanding balance on my US Bank card at the time I used their check. I paid off a $4,000 credit card with the US Bank interest-free check. Just found out that US Bank has been charging monthly interest on the "interest-free" check since I first used it back in November (five months ago). Their justification was that since there was an outstanding balance of $86 at the time I cashed the check, they can legally charge interest during the interest-free period as well as the balance transfer fee. I asked to pay the $86 off and they said I could not pay it off until the $4,000 was paid in full. I said that was illegal. They said "It's in the fine print." I closed all of my US Bank credit cards. AVOID THIS COMPANY AT all costs!

On October I stopped using the US Bank, since the money and funds I got from my mom is always transferred to Bank of America instead of US bank. The final balance at that time was $10, then they charged in on February 2016 for $402 because overdraft fees which according to them my final balance was minus $50 and the overdraft fee overtime becomes $402. It's a ripoff for Washington State University student. Please board of education settle this dispute between me and them.

When I moved I went through a local bank to avoid this problem, but my local bank immediately sold the loan to US Bank. I again insisted on no escrow. I recently got divorced and my ex husband has to give me 1/2 the home equity. He decided to go through US Bank bc he thought it would be easier. He brings home 2.5 times the mortgage, and our bill has been paid in time (actually ahead) every month for the last 3 years. Yet somehow this bank is leery about approving the loan. He initiated the loan at the beginning of Feb. He arranged for the appraisal right away, but they said they couldn't schedule closing until they had the divorce papers.

He faxed them on March 16, and didn't hear anything for a week. Then they said they can't do anything without an additional paper stating the exact figure to be paid to me and signed by us both. That was faxed March 23. Another week, and he had to call them. The lady working on our loan no longer works for the company and the guy who took over just discovered he's missing an IRS form. Once that's submitted we hear nothing, and both try to call for a couple days. He says it went to the underwriter, and it should be back any day, so we should be able to close the middle of next week (about April 6).

We hear nothing for 3 days, and when he finally answers the phone he says it can't be for at least another 10 days because of a new federal law. He didn't mention that on Monday when he talked to my ex husband. And the paperwork still isn't back from the underwriters. Another day later (Friday) and I'm calling to find out what's going on. I call 6 times before the guy answers the phone. He says we're next on his list and he'll call me back when he finds out what's going on. I tell him straight out I don't believe he'll call me back because not one person from that bank has called me back yet. He insists he's different and he will call me back. He does not. He sends my ex an email that he's forwarding the issue to his manager. I respond to that email, asking for the contact info for that manager so I can follow up. He does not respond.

At the end of the day he leaves a message for my ex saying because there is a equity line of credit attached to the loan, underwriting has to hold it for 5 days before they can approve it, and THEN the 10 day waiting period starts. And they can't schedule a closing until then, and they have a limited number of title people, so no one may be available then. So a refinance for a customer in good standing (at a higher interest rate, which will earn them more money) apparently takes 3 months!!! I'm buying a house from strangers and the bank I went through will be ready for me to close after a total of 5 weeks, but I won't have the money for my down payment. Thanks to US Bank. Also, I'm getting almost 1/2% lower rate. So other banks are more efficient and significantly cheaper. Shop around.

So if anything happen to my home in between this 3 months I wouldn’t have got paid, but nothing happen and no claim was file so they back date 3 months back and milk 5X the money. I called 5 times and all of them were nasty and rude, shout at me and said, “We already deducted money from your escrow” (with a smile like “We deducted money from your account and you can’t do anything”). I have never ever been late in any mortgage payments, deserve a little respect but they don’t care. Just stay away from these cheaters. There are 2 other bad issues I face with this cheaters. No doubt why they are rated 'the lowest' in mortgage industry. BEWARE.

I got a new temp card. I thought everything was fine. Three days later my bank card came in the mail. I went to activate it but it didn't work. Once again I had to talk to a customer service representative and see what the problem was. Come to find out they put a lock on my account AGAIN and sent me another bank card and that one should come in the mail by next week. But the customer service representative also told me that I could go to my local branch so they can take the lock off my account. I don't know why they put a lock on my account again or reissue me another bank card when I had a temp. Ugh!!! But what my local branch didn't tell me was that I can't swipe my card, I can only pull money out. So once again I'm swiping my card looking stupid.

The next day I called my local branch, I was so pissed, they kept transferring me to different people. I think I must of talked to 3 different people until I found out what was going on with my account. Finally a supervisor got on the phone and told me they're closing my account because I swiped it too many times while my account was locked (even though they never told me what they was doing to my account or giving me a heads up) and they don't feel comfortable with leaving my account opened, so they can either mail me a check or I can come pick up my money. And the funny thing about it was they had the nerve to tell me that mailing a check would be better. Smh. They got the cuss out of their life on the phone and in person. All of this because Verizon had refunded me some money. NEVER EVER WILL I DO BUSINESS WITH US BANK AGAIN. I would of stuck with Bank Of America but Columbus, Ohio doesn't have a branch.

Approx 2 years ago I received a call from a collection agency in New York about this issue and Made arrangements to pay off the debt in installment and gave him the info to automatically deduct the amount from an acct on a monthly basis. This was to be verified by e-mail with a hard copy to follow in the mail. None of this happened so after several days and several phone calls with no answer I closed that acct.

Today I was told that this was a federal offense and after court I would have to attend classes for 4 weeks at 120. per class. I was told that they were not a financial institution and could not accept payments but they would settle if I sent them 2,822.00. I was told banks were always right and there was no recourse, but to pay up. They also told me they were not responsible to send me any copies of this and I could see them when I was served or went to court. Stated I would not be served this week but the papers were coming and I would be served.

We received the letter dated March 8 from US Bank on Saturday, March 12, stating our final payment was $50, due on April 4. I wrote the check for $50 and put it in the mail on Monday, March 14. On Saturday, March 19, my husband, while working, received a call from US Bank's Post Maturity Customer Service Department. He returned the call on Monday, March 21, asking why US Bank was calling. They were asking about the $50 and he told them the letter was received on March 12 and the check was mailed on March 14. Seriously?! It's not due until April 4 and on March 19 they are calling asking about the $50. We considered this harassment from US Bank. Never will we do any kind of business with US Bank again.

Now I get the bank charging me for all kinds of $36 overdrafts. And I call and they tell me "deposit money" and they can help instead I deposit 250 they take the money. I'm left with 25 bucks and they close my account without me even talking to them about it and I supposedly told a banker out of state I'm moving far away and don't need it anymore. My boss sent me $1000 for my work thru square and now closed account. Ok like I'm being frauded and I've told them I have never spoken to anyone about closing my account like they say I have. Where did my $1000 deposit go? They have no answer and tell me their system is down when I call. Please help anyone.

I asked them to fix this immediately and was told that it may take up to 45 days to be resolved. Initially the credit card portion of US Bank customer service implied it was my fault and that I probably paid ahead in anticipation of a large purchase with my credit card (not true). When I finally spoke with a professional banker, the service was better but I was told that I am out of luck. As it is near the end of March all of my future obligations to pay bills, student loans, and rent, may not go through my checking account, and I am responsible for all late fees incurred outside of the checking account. I was told that "eventually" they will reverse the $3000 overpayment and will not penalize me with overdraft fees. Is it really fair to me as a working class consumer with student loans that I must now face eviction and delinquencies on student loans all over a buggy iPhone app?

My desired resolution is: 1) US Bank does not operate and maintain an iPhone app that skips past a confirmation/rejection screen when a payment is made. Under normal circumstances, visual feedback indicates success or failure of payment. 2) US Bank immediately credit me the $3000 overpayment electronically as my balance showed up as a negative $2200 in the checking portion while simultaneously my credit card statement is showing that US Bank owes me money. There seems to be no detriment to US Bank to simply fix the problem now rather than placing undue burden on the consumer. While I recognize part of the error may have been my own, it is easy to document and duplicate the issue that I had with the iPhone app.

The iPhone app is not ready for the public. The banker told me that if one uses the iPhone app between the hours of 2 am and 6 am, errors like this frequently occur. Yet there is no warning that I know of from US Bank not to use the app at these times. I work 12 hour night shifts and I am frequently awake at night. If the banking services are not available, the downtime should be reflected the app with ample warning, visual feedback/a confirmation screen, etc.

We called the general 800 number and got through to someone who could help and the "help" we got was someone telling us that our paperwork was on the way, and we were finally able to make a payment. We've been making payments online until March 2016 when suddenly there's a $3.50 fee. We call to make a payment that way and there's an $11 fee to pay over the phone. The next day when we check online again the fee has jumped to $5!! What is this!!! I never thought I'd say that I wish our mortgage had gone through Wells Fargo.