US Bank Reviews

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.

We worked hard to pay off our mortgage and it saddens me that we have had to come to this situation to get what we have rightfully paid for. It seems to be some sort of vicious game to the folks at US Bank to make as much trouble as possible. Please save yourself the pain and heartache of dealing with this bank. I am sorry for everybody's troubles. Maybe we can help someone else avoid these issues by speaking out.

The general customer service people reached me by phone and I found out what was going on. Told me best thing to do was to call branch with account but when I tried reaching out, my message wasn't returned. I called back, talked to manager who said he would look into it, then after a week plus no callback. Then called in again, manager said he'd been on vacation the whole time, and proceeded to coldly say it's all my fault because my address wasn't current.

Regardless of the teller's suggestion, or my initial request to close my zeroed account to get one simple check cashed, US bank is a huge mess to deal with, and you will get no breaks or help from anyone. Will absolutely never use again and tell everyone about my $10 that turned into -$150. Oh, and they AUTOMATICALLY closed my account when I went into the negative for x months when I didn't realize it when my account had been $0 for YEARS with no fees. So much for needing a fingerprint.

I contacted US Bank in a panic to rectify because my personal checking account (with another bank) became overdrawn several thousands of dollars and was told that I logged in multiple times to their payment website section and made these several additional payments. REALLY!!! I asked to speak to a Manager and was again told I made these payments, etc and to contact my bank... He couldn't do anything. (More like wouldn't.) I hung up and contacted my bank. Clearly this is a system Glitch/Bug with US Bank.com payments and they are not looking into it??? Again BEWARE fellow US Bank online users. Send a check the old fashion way!

Every time I call the customer service number, no one is able to help me. They have no idea why it still shows monies owing and then another person says, "Oh I see here that you owe your lease payment from February of 2014." Really?! What company allows a miss payment to go a year and doesn't mention it. Then I call and want a reconciliation of what they show as the payments, to which they can only send in the mail. So I wait, then I get the reconciliation that shows a ZERO balance...really?!

But yet I receive a demand notice again, back and forth and I sent all the documentation to their "lease termination department" 3X! Nope they still say that I owe the month outstanding and the taxes on the termination fee. This is stupid. When you call the termination department to get a final accounting so you can turn the car in early, wouldn't you think they would have their act together to give me accurate information? I began reading the reviews and understand so many others are experiencing the same dishonest, disrespectful approach that I am. The stupid part is I just paid the amount so I could be done with this nightmare. I turned the care in almost 1 year ago and continue to be hounded every month. I just want it to be done. I will NEVER lease a car if it has to go through US BANK. TERRIBLE accounting practices, TERRIBLE customer service and TERRIBLE experience all the way around!

Once I got upset she then said "ok I will call them directly." After lying to me the first time, I asked to be transferred directly. Then once she asked me to hold, she hung up on me. I'm appalled by their customer service. It seems like only have one person working there who doesn't care to help you and the automated system isn't set up right. This should have been an easy fix, instead it was a waste of my time and I still can't get into the online banking. I'm never using US Bank again.

Amongst many of the questions I asked him if he was going to have to run my credit for approval or am I preapproved like a loan. He said that's why he called, to keep me as a customer and all he needed was my driver's license # and my yearly income and he would let me know how much I would be approved for at which percentage rate. He assured me that he would not be applying me for credit- just to see what he could offer me and if I didn't like it I could turn it down. I said ok and he would call me right back.

No phone call. Next day I called him. The first he said was "Well, I ran your credit and..." It turned out to be a ridiculous interest rate with a very low limit, so I obviously turned it down. What got me upset is that he assured me that I would not be applying for credit and he did anyway. I called the local branch and after talking with a manager, I came to the conclusion that this is just how this bank operates- sales gimmicks and pushy customer service. If anybody ever calls from US Bank treat them like a solicitor- say no and hang up.

The bank started applying overdraft fees to my account while I was out of the state visiting family shortly following the death of my mother. The fees started to be applied due to a $40 hold that was placed on my account by the Sheraton Hotel Corporation, for a hotel stay that I paid for using my US Bank account. At the time of check in I was not told that any kind of hold would be applied to my account. I was not aware that the hold was even present on my account, and was keeping track of my balance. The bank is claiming that when I made a cash withdraw this place my account in an overdrafted status. The only reason that the account balance appeared to be negative was the still pending "hold" on my account.

US Bank hit me with an overdraft fee as quick as possible for this charge, and then the next day removed the hold that had been lingering on my account. This first overdraft fee created a situation where the next two pending transactions were deemed to be overdrafted as well. I contacted US Bank and spoke with a customer service rep that was arrogant and rude. I told this person that I needed to speak with a manager because it was apparent that this person was unable to fulfill my request to remove these charges. The so call manager had the same tone with me and was also unwilling to reverse any charges. I instructed this person to close my account, but I was told that until I paid these fees that they could not close my account.

The practice that US Bank employs to hold pending transactions has to be a criminal activity in my opinion. If all of the fees that have been applied by these thugs are reversed the balance on my account should stand at $7.44. It's not a lot... but it's not negative! Is there anyone else out there that wants to stand up to this injustice with me? Or are we all just going to lay here an take it? I'm tired of this!

After reviewing my spouse's personal acct it shows about $175-$200.00 that was actual purchase, the rest is all overdrafts that they now pulled from my acct and then closed his acct. I feel as though I should have received some sort of letter indicating how I could pay off this other acct considering my spouse is not primary on my joint acct, I am. I am stopping all direct deposit and transferring to a new bank.

Could Mr. Selenke and cohorts at the US Bank Corporate be deliberating, allowing people (businesses) to open multiple accounts with the intent of defrauding them? Could it be that Mr. Selenke and the US Bank Corporate office know very well what the deal is with wire transfer to other nations and how many of it is allowed though it is not stated explicitly in their so-called "term of deposit" that he bandies about in his letter, yet have instructed their staff at their branches not to raise it as long as they sucker us to put our money into their institution for trading. I would hazard that this is done deliberately to defraud and for their own sadistic business pleasure. I wish there was someone who could stand for us, but there is none! We stand alone.

The account review dept of US Bank wrote me a letter signed by Pete Selenke which Vice President Manager starting "in accordance with your Deposited Terms and condition, please be advised that we have elected to close your deposit accounts with us." Mr. Selenke in his wisdom does not give any reason for this act. Of course I realize that he does not have to give any reason for the way he treats ordinary citizens. They told me to call them. I have done several times but they have not returned my call. I have wired transferred money to help repair our family home in Nigeria but no one cares. Pete could care less. Now I am left with an inability to help those depend on me. Thank you Pete Selenke for your business acumen and hospitality. I will pray for you. Happy new year.

I repeatedly emailed and left voice messages asking them to simply let me sign the house over to them and they refused to acknowledge or return my emails/voicemails. I gave up and moved out of the house in April of 2011, and foreclosure proceedings were started in June or July. The house was sold at a pre-foreclosure sale on October 6, 2011 to an investment company with whom US Bank was in cahoots for $133k! The house sat vacant for another year plus, with the power turned off so the sump pump wouldn't have worked and the basement undoubtedly suffered water damage. The house was relisted by HUD for $80k in December 2012. US Bank left my name on the title all this time (per the Harvey County Appraisers Office), and it remained in my name until just before HUD resold the house; the title was finally taken out of my name on 02/25/2013.

So, US Bank Home Mortgage made a profit of more than $15k in HUD mortgage insurance by screwing me over, and HUD took more than a $50k loss paid for with our taxes. In an email I received from HUD, confirmed by a conversation with a customer service representative on 6/22/15 (1-800-225-5342); "For a borrower that had an FHA mortgage foreclosed, that borrower is not eligible to apply for another FHA mortgage until three years after the date that HUD paid the insurance claim to the lender." HUD shows this date as 12/18/12 more than 14 months after the house was sold in pre-foreclosure.

During this holiday I've spent several hours either on the phone (locally and nationally) or in-person at the branch. Two managers on Prater have given me different stories. Out of three advisors in MN only one, Melanie, actually was helpful. She agreed to open a research task. Her two colleagues strongly advised me to make immediate payment even though the money was lost between the branch and the main bank. In previous experience, US Bank has also lost two of my vehicle payments. At this point I would love to switch banks. Beware of very poor, "F", accounting and communication. Thus far I've been assured there may be resolution in 7 or so business days. Also the late fee was reversed although I was informed it would reappear should I not make up their loss of $100 (actually approximately $70).

I asked her to refund another fee for the same reason from the same "banker" from the same prior call. She refused, got really agitated and rude, acted like it's her 36 dollar fee to pay if she refunds it, put me on hold for several minutes, told her boss her side of the story, and her boss flat out refused as well. I took her info - Tanika ** was the manager, and "Beth" was the first lady I spoke to. I always get the rude phone tellers when I call in, this is not the first but the last time I call in to get a rude jerk with US BANK. I am fixing the fees and closing the account tomorrow. US BANK IS THE WORST BANK EVER!!!

They also sold me on a savings account that would earn bonus cash for maintaining a certain balance and having direct deposit. They said that "account maintenance fees would be waived". Needless to say, I opened two accounts that day. I set up direct deposit on both accounts and went happily on my way. I wish I would have had done my typical research and read some reviews. Shame on me!

Well, I sold my house, which of course, paid off the home loan with US Bank. Before purchasing my new home, I called US Bank first. After all, they had gone through all the trouble of selling me on their "proprietary scoring system". Their rates were not favorable at all. I guess I did not achieve very high scores. I bought a new home using a different lender and did not think much of it. I still had direct deposits going to the US Bank accounts. Fast forward a few months and I realize I am being charge $17.95/month to maintain my account. So, I am being penalized because I sold my home and chose not to pay higher rates on the purchase of my new house.

I called to plead my case, and they just told me that those were the rules and direct deposit was not enough. I drained my accounts and tried to close my accounts. I was on hold for 12 minutes the first time before I hung up. I do work and being on hold that long is disruptive. No mind you, not only are they charging me maintenance fees on an account that has no money in it, but they are also charge me overdraft fees because my balance went negative when they charged the maintenance fees. Essentially, they are stealing my money and then charging me an extra fee to steal it. Isn't this lovely?

So because I cannot be on hold all day to close my account, I send them an email through their website asking them to close the account. They tell me that they can't and reverse two of the overdraft fees. I explain that I am on a trip and cannot call to cancel the account that minute to so please notate on the account that I want it closed and to stop charging fees. I get no response.

So, finally, today I call to close the accounts. Needless to say, I am frustrated and raising my voice at the poor customer service rep, who does not deserve to deal with my anger. They close the account for me but tell me that I still owe them $60 (again, for taking my money already). They pass me on to a supervisor who proceeds to patronize me because I tell her that it cannot be legal to charge me fees without notification. She says that she agrees but that I have been notified.

I tell her I have not received any communication from the bank and she proceeds to tell me that I get monthly statements. I tell her that I have not received a single statement and she says that it is my responsibility to notify the bank that I was not receiving them. If I have never received a statement, how I am supposed to know that I should be getting them? They manage to email me marketing promotions, but they cannot email me to tell me fees are going to be assessed to my account. Moral of the story... stay far FAR away from US Bank. Find yourself a nice credit union that will give you favorable rates regardless of how many accounts you have with them, who will answer the phone when you call and who will truly give you great customer service.

I sent one certified, that one arrived on time. I wrote them a letter on Nov 10, 2015. I told them that I was going to report them to the Illinois Attorney general's office if they didn't stop holding my check. It is now Dec 21, they are claiming my check has never arrived for the December payment. Of all the mail I've sent this month, very odd that this one important check disappeared. Now my bank is done with their reorganization, so I can do bill pay and never have to deal with this spiteful incompetence, which I feel at this point is deliberate.

The DMV was totally fine tuning our change of address mailer from the post office. But apparently those won't work for US bank. They asked for a utility bill in my name. I stated that transferring the utility bills was step 2 after having a bank account set up with which I could pay the utilities. My employer does direct deposit (normally considered a good thing by banks) so there was no pay stub with new address.

I offered to show them other (insurance) paperwork I received at new address from my employer but that didn't work either. I left branch and should have gone with another bank at that point, but I naively thought the run around was a facet of Missouri laws, rather than the banks incompetence, and stuck with the pursuit. We had chosen US bank because of its mobile banking and a very few atms available in Texas possible emergencies when we travel.

So I tried the online application. Zero issues there proving my residency, I just entered current address, previous address and my driver's licence info from TX and the account was opened right away, just needed a funds transfer from my old bank. I had the forethought not to transfer everything (thank God) as it took 2 weeks to get the card and pin number in the mail, and I found out after opening the account that I couldn't log into do any kind of online/mobile banking until I had that pin.

They didn't even give me a routing number so I could switch over direct deposit. I finally got the cards this morning and attempted to get online to deposit a check and get my bills set up in the new account. But the online banking is "down for maintenance" for a few hours. Finally get on this afternoon, to find out (now not upfront) that there is a 200 daily maximum deposit on my account. If I had several small checks, I could just deposit them one day at a time I guess, but one moderate check can't ever be deposited. That's just stupid. I'm trying to give you my money people!!

So I do a google search to figure out if this is a normal thing or what. A $200 deposit limit is absurd. Any other bank I've been with might place a hold on the deposit for a few days while they check it out, esp for larger amounts, but they wouldn't just completely cap you. Anyway, Google led me here and I didn't have to read many reviews to realize I picked the wrong freaking bank. WELLS FARGO WHERE ARE YOU!!! Anyway I decided in the meantime I would deposit my check into my (thankfully) still existing Wells Fargo account (which has a $2500 daily deposit limit btw - I don't need that much, I'm just noting here that that is over 12 times higher than US bank.)

I'm still making up my mind as to whether I'm going to knuckle down and try to use this bank (since they do have $100 of my moneys and I'm afraid I may not get it back based on what reviewers are saying here. More likely I will just cut my losses and continue banking with a reputable company (Wells Fargo) even though they don't have a branch less than an 8 hour drive from me, and I'll probably wind up paying a ton of atm fees. At least their customer service works, and they deal with fraud like professionals.

I don't give a flip about grace periods. I pay my bills on time. Then they said I can call it in. "No. You owe me a paper bill in front of me to pay by check and on time!!! Yes, my PO box is correct and yes, I check my mail." They are forcing me to use the phone pmt. method so it will not be late. Has anyone else had this problem??? I threaten the mgr. with a civil lawsuit as they have to be doing this on purpose to collect late fees. Will never ever use them again and will tell everyone else not to also.

I have had the card denied on several occasions which is aggravating when you pay off the balance every month. The worse was trying to pay for a prescription. I was put on hold for over 45 minutes before I was informed I could not be helped. I was given the usual runaround for the better part of four hours. I never got an explanation of why my card was denied especially after I used the card at a grocery store less than an hour before I went to pick up my prescription and had paid for the same prescription at the same pharmacy several times before. The Customer Service rep eventually released my card in time for me to return to the pharmacy and pay for my prescription before they closed.

That should have been when I dropped US Bank as a credit card option but didn’t. Last week I received a thank you notice for my change of address only I did not move. I phoned per the notice request and again on hold until I finally got to talk to real person who would not listen to anything I had to say about not providing a change of address only to tell me “I am Sorry you got that card. Now please tell me the dollar amount limit on your card”. I emailed U.S. Bank informing them of my complaint and how I will hold them responsible for any discrepancies on my account but U.S. Bank never responded to my email complaint or any of the prior ones before come to think of it. So I’ve had enough and will move on to another company with my 800+ FICO score. I’m guessing U.S. Bank wants customers who keep a balance so they can make money with the ridiculous interest rates they charge.

As I purchased a video game online through for my husband, three days after the original purchase cleared, there is two more pending charges for the exact same amount that they can’t seem to remove. The game store database shows only the one purchase and US Bank tells me that they don’t know where the money went to or why it's pending and started to blame the game store in which I’ve never had issues with. Everyday hurts more and more when I now can’t give my family a Thanksgiving and probably won’t be able to go see family around Christmas this year. And every day I hope that I can eventually transfer all my assets and credit to my credit union that my car payment is through.

Once the issue was resolved I then received an updated letter that I now owe $200+, which means no escrow refund. Also my mortgage payment will go up a little. Imagine my disappointment thinking I would get a nice check around the holidays only to be told a few weeks later that I now owe. Why would they even send me a letter telling me of the overage if they knew my account was delinquent. Couldn't saved me a lot of disappointment. Overdraft fees are also ridiculous. I don't understand how I am subjected to overdraft fees when clearly have money in my account. Something is not quite right here.

The week after the account was opened I went to use my card (after getting the official one in the mail and discarding the temporary one) and it was consistently being declined. I checked with their automated phone system and was told my balance was exactly zero. When I called customer service to resolve this issue (I'd very clearly done the initial deposit, and even had a bank receipt confirming the cash advance) they involved the original branch where I signed up and handed the issue off to them for investigation and resolution. After reviewing the issue with the local employees, I was informed that their manager would research the situation and contact me with further information. After he didn't call me I reached out to them and was told that his conclusion was that she (the banker I dealt with) "must have given me the cash from my cash advance so that's why there's nothing in the account."

They passed off the responsibility to me when in fact I was never handled any cash at all, and so my opening deposit was lost and it was my fault. It upset me a great deal to encounter such dishonesty and I hung up on them. I immediately called their customer service line and canceled my account and left my feedback about their branch location. Do NOT trust US Bank with your money at all. Do not do it. My loss was only the minimum amount needed to open account, but what would I have lost if more had been deposited? Find a trustworthy bank and let them earn your business.

I understand that I will be called however last night's call was not only inappropriate but extremely disrespectful and I hope someone can pull the recorded conversation and reprimand this employee for the way he treated me. The call came from 877-271-5933 and I believe his name was Ron, but not 100% sure. He continued to ask for payment and kept asking when I could make one. I let him know as I had the other representatives that I had lost my job, business and am currently going through a divorce and I had no available income to make a payment at the time. He spoke down to me and instructed me to borrow money from a neighbor or go on craigslist and start selling my possessions to make a payment.

I was completely baffled anyone would say something like this, especially to someone who is already having a difficult time as it is. He then proceeded to tell me I should start a business getting free items from Craigslist and reselling them for a profit, which is what his daughter had been doing. After the conversation I was in tears I was so upset. I will make a payment when I am able to but this call that took place last night completely makes me lose respect for US Bank. How dare someone talk to a customer like he spoke to me. I will be filing a complaint with the Attorney General and also the Better Business Bureau.

Years ago, their prepaid gift cards were sold at my local mall... I worked at the mall and when people went to use their US bank gift cards, they were completely wiped out! If you didn't use your card for 30 days, they milked the money off the card everyday until the card was empty! And there were customers that yelled saying the card had 500$ or more on it, and they only got it 8 months ago and it was empty?! I'm almost positive there was some sort of lawsuit for them charging the astronomical fees! I actually just got a prepaid US bank card from a friend, terrible! They charge fees for everything. I went to my bank to take all $3,000 off the card, I can only take 1,025 out a day! My bank tried to take the full amount out and couldn't and so when they tried to take the 1,000 out, it wouldn't let them because they already tried. US Bank told me I would have to go to another bank to do it!

I have NOT met 1 person that dealt with US Bank and had a positive experience! My current bank that is inside of Giant Eagle told me that US Bank didn't even let Giant know they were leaving, they up and left out of every Giant Eagle one day. Ya, because they had pissed off all their customers and had not a lot of business anymore. I advise you to stay away from US Bank, they will do anything they can to charge you fees and keep YOUR money!!

I received a pay check the next day from my job the next day and viewed my account, and I noticed the the overdraft fees. I called the bank, and a csr named Lisa told me the fees would be reversed, since I've never had overdrafts in the past. She said the fees would be reversed within 2 hours. The fees were still there 4 hours later, and the csr department only reversed part of the fees. US Bank has a screwed up way of listing your debit/credit card transactions -- they don't list them as they occur. Although Bank of America has a lot of complaints also, at least BofA lists all of my transactions as they occur. So I am not wondering why my account is lower on one day -- then higher the next day (without having made any deposits) -- THEN (FOR INSTANCE) $200-300 LOWER ON THE THIRD DAY AFTER THAT (WITH ONLY $20-30 WORTH OF TRANSACTIONS IN BETWEEN).

In 2014, US BANK paid out $55,000,000 in class action settlements because of purposely allowing more expensive transactions to hit customers' accounts first -- by doing so, customers would run out of money and incur overdraft fees before their next pay check. I AM PERSONALLY SUSPICIOUS that US BANK also would purposely wait till the just a few days before the next paycheck and then allow DEBIT transactions to hit a person's account, so they'd once again run out of money (according the US BANK'S accounting) and incur overdraft fees. I will soon be walking away from US BANK. US BANK makes it difficult to follow your transactions, because they don't list your transactions as they occur, and they don't care.

This is a great forum to start your complaint about US bank. If you are having trouble with US Bank please file a complaint with the Office of the Comptroller of the Currency. On the web their address is WWW.OCC.GOV. You can file your complaint online. This is the Federal government agency that oversees the banking industry and they take complaints very seriously and the bank has to respond to all complaints through the OCC office unlike through the BBB. On the front page of the OCC you will see a section called Dispute resolution. Under there is a link which at the time of writing this is Consumer Complaints. This is where you can fill out your online complaint.

Years later, I went back into another branch and asked specifically for a refinance with cash out to pay some bills off due to my debt to income and consolidate this second mortgage. The banker asked me if I wanted to close my US Bank platinum card, I told her "DO NOT CLOSE ANYTHING!!" Just pay them off and I need $5000 cash out (simple request). We went over terms to include some escrow fees that would transfer over to my new refinanced loan and concluded that my payment would be $1100 monthly. I was satisfied, but when time came to sign and close, no $5000 cash out and my payment was $1300. Due to time crunch to avoid late fees from lenders part of my payoff list, I had no time to send the paperwork back to be revised.

I later found out that the conditions to approve the loan were to close out all my accounts due to my debt to credit. I tried to contact the lenders to keep accounts open, but due to the letter sent by US Bank to payoff and close, (and btw I signed it and should have read it, so I take accountability for that) but the lenders had to close all accounts.

My banker at US Bank was very misleading and never disclosed that was a condition to move forward with my refinance because she knew I would have walked away from that offer. US Bank has been nothing but misleading, dishonest and they care nothing about their members' best interest. They should disclose all terms and conditions of their loans upfront to avoid misrepresentation and ensure members understand ALL conditions before signing.

I was assured I do not have to pay the application fee. However I got charged $395 on my credit card, which was the amount my case worker mentioned a few times would be my part of cost. So went and paid my $395 credit card debt. Just find out a few days later that US Bank refunded the $395 and charged instead the $552. After inquiring what was going on, I just got a cold feedback that the $395 were the application fee and the $552 were the appraisal cost. So not very good experience.

This morning 10/26/15 I checked my US Bank account and they show my balance as over $1000 but consider my account in arrears $300 and have charged me numerous fees for "bouncing" the check I wrote Friday and other withdrawals I thought were covered! I called them twice and followed their instructions to go to the branch and see the manager. I followed the manager's instructions to show 'proof' the deposit was withdrawn from the payee's account -- I had to do this TWICE and still they are sitting on my $ and charging me fees! I have over a $1000 sitting in US Bank and yet they are not allowing me to have it, spend it, pay any bills with it or do anything other than pay them fees!! As soon as I can get whatever remains of my money out of their clutches I will NEVER set foot in that bank again. They truly are incompetent.