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1.5 833 Reviews

US Bank Complaints Summary

112 Resolved
721 Unresolved
Our verdict: With US Bank's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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US Bank reviews & complaints 833

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7:52 am EDT

US Bank two unrelated experiences in recent weeks show the bank has no problem exploiting their customers for fees

US Bank SUCKS! Two unrelated experiences in recent weeks show the bank has no problem exploiting their customers for fees. The latest one involves my daughter where a US Bank teller deposited funds into the wrong account (we specifically asked for money to go into the account tied to her debit card). We informed our daughter of the deposit we made and, based on that information, she subsequently used her debit card which over drew the account. I consider US Bank’s actions particularly egregious in two areas. First, the bank refuses to accept any responsibility for the teller’s error. Second, the bank allowed repeated debit card use for several consecutive (seven) days, rather than declining the transactions. The entire time the account had a negative balance, made all that much worse by exaggerated overdraft and negative balance fees. After some investigation, this appears to be common practice for branches on or near college campuses (my daughter is a student at SDSU). I consider these actions to be unethical and borderline criminal. I will never conduct any type of business with US Bank again and will take every opportunity to share my displeasure regarding US Bank to anybody who will listen.

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Help with Banking
N/A, US
Jun 14, 2011 1:19 am EDT

First...if the teller put it in the incorrect account, you should contact the manager at the branch. If you did and did not get anywhere call the 24 hr customer service. If the banker is unwilling to help get a manager with the call center involved.
Yes, proving which account it should go in can be difficult, but did you write the account number on the receipt? If so, they have copies that can prove what account it should go in, which will prove they put it in the incorrect account and get all fees reversed.

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E-Jet
Louisville, US
Jul 05, 2010 11:54 am EDT

I recently opened a business account with U.S. Bank and acquired a merchant account through them as well. They mislead me as to how the merchant account worked and when a customer requested a reversal the bank locked my accounts without notification, they won't return my calls and are currently holding $13, 000 dollars over a $500 reversal of which I have written authorization for. Now I have checks bouncing and the person responsible for the account being blocked won't return calls. U.S. Bank blows...DO NOT DO BUSINESS WITH THEM!

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SuzeQ22
Rockport, US
Jun 14, 2010 10:38 am EDT
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First off, after making a deposit in any account you should check to see that the money has been made available for withdrawal from the account it was placed in.

Secondly, I do agree the bank should reverse the charges since a bank debit card was used, there should have been no approval of the transactions.

Third, I also agree the bank should have put a hold on the account when the first one was not covered but it still fall upon the account holder to make sure there are funds available before using the account funds.

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8:19 pm EDT
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US Bank fees fees fees

Where do I start?

First off I was with Cal National Bank before they were taken over by US Bank, and I will state that I had never had the problems nor the fees charged to any of my accounts with any bank than at US Bank. Thats saying a lot considering I use to bank with Washington Mutual before Cal National and they were horrible.

When US Bank First started to continue the business of Cal National Bank I asked my the service rep. at my branch if the account that I previously had with
Cal National was going to remain the same as the current account at US Bank, considering that bank policies vary between institutions? The Rep. said that the account is the same and would be handled the same. This is to say the least was a lie to keep my business. In the past four weeks I have had checks bounce (the first time in my life) outrageous overdraft and Non sufficient funds charges, all with out my account actually being in the negative. yes they charge overdraft fees on account activities that have not yet hit your account. so wile a pending transaction means funds have not yet been released they already charged your account the overdraft fee. Some say that is standard practice but every time a Pending transaction made my account negative, I would transfer funds from a savings to the negative account before the pending transactions were released therefore my actual account balance never hitting a negative marker.

If this isn't enough when you try to talk to US Banks Customer Service. they act like your a thief trying to steel your own money from them.
I give US Bank's Customer Service a big Fat "F". They are very unhelpful, very condescending and leave you with irate and insecure feeling about their
institution and your money.

DO NOT SIGN UP WITH US BANK AND IF YOU ARE CURRENT CUSTOMER LIKE ME, DO LIKE ME AND RUN!

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AUNT GOLDEN
, US
Jun 23, 2010 3:28 am EDT

Chad, I could not agree more. Like yourself I have never incurred any such fees with Cal National. Last month US bank took, YES TOOK, almost 400 dollars in fees because they themselves were letting items come through over and over again daily while creating the actual negative balance themselves.
Further after they had raped me of such fees they then bounced my Cobra medical insurance check causing cancellation of my insurance policy. When I went into the bank to request a letter for my insurance explaining what happened they said they could take that responsibility. Well they certainly can take their fees can't they. This bank is wrecking my life. I am also on disability and they could care less. This is a very predatory bank and I warn anyone of banking there, they are crooks, snakes, and it's embarrassing to me as an American for them to call themselves US bank. Shame on you US Bank, how absolutely disgusting and predatory are your practices. I feel for anyone who banks with you who is in a compromised position. Your staff are heartless robots with no emotion whatsoever. Absolutely Disgusting and an embarrassment to the human race. Your reputation of treating people badly will destroy you eventually. Too bad you cannot realize that now. As I read over the complaints, there are hundreds of people with the same complaints. I do not think that is just a coincidence.

Sincerely,
GJE

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1:00 pm EDT
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US Bank harrassment/account closed disabled, no notice

Due to theft, I'd closed one acct., opened new, told it was protected. I told all authorized vendors of the change. One put through unauthorized charge on old acct and bank charged me on new. US Bank management at this branch called me at 8:30 a.m. and reamed me about notifying vendors, which I'd done. They hit me with NSF so when I told them, after much hostility from them, that it was wrong and they needed to work their magic and fix the charges, they closed my account, without notice... leaving my disability check (only income and they knew it!) with no direct deposit options.That put my rent, medical, etc. at risk! They were rude, harrassing, and charged every time they had a chance for anything they could...even when they didn't put cash deposits in the account on time. What a mess with this bank. In Ohio and NV where I banked but especially the Ohio office.

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12:25 am EDT
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US Bank suck accounts

Signin for an account wit us bank is like signing for life penalty.

Opening an account with us bank is the must horrible mistake to do.

While I had deposited $8000 to my us bank, I spent $2 at starbax about all must a month later. They charged $2000 over draft fee….

Why?

I was not supposed to use my account for 30 days, because my account was a new account. That is what they told me…

Us bank sucks account holders money with reasons they create. If you have an account with us bank, no meter how you do, what you do, us bank will find a way, find a reason to suck your money.

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VonBrumm
Rocky River, US
Jan 27, 2011 10:16 pm EST

maybe u should have read your account agreement, oh, wait, you cant spell, how can you read?

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7:50 pm EDT
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US Bank robbery

Us bank is crock, thieve, robber.

They did this to me when I made my banking on internet:

Yester day using my papal account $320. The system said ups, it did not go thru this time, try again. One or two minutes later I did the same thing but, this time I tipped $324 instead of 342. Continue reading, see what will they do to me…

An hour later, I checked my account online. And found out that both, $320 and 324 has gone thru. I called their 1-800- number and spoke with many of them but they did not want to help me. So I asked if I could talk to a supper visor.

Finally they passed me to supper chiter.

The super visor mr taior morgan.

I asked him to stop the $320 transaction but let the $324 to go thru.

He said: we can not do that.
I said: this is my account. I should be able to decide what to do with my money.
He said: mmmm, ok, we can do that but, it has a fee to stop a transaction.
I said: how much is that:
He said $30.
I said ok. Please go ahead and charge $30 from my balance and stop the amount of $320.

…….

This is what they did to me.

They charged $30 for stopping one transaction but, they did not stop. So both $320, $324 went throe. This morning I checked my account again. I found out that my account showing -$70 over drown and they have started charging $37 per day over drown charges. I may end up paying 1000s $s until I recover from the overdraft fees. To do that I need to find money to deposit to my account for cover all my (-) negative balance coursed by daily $37 overdraft charges…

They did this kind of tricks to me several times in a year. I believe so far I have paid about $3, 000.00 overdrafts fee.

They take advantage of every one like me and especially latinos, because the regular banks would not open and account for us. Us bank knows this and they take advantage of people…

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4:04 pm EDT
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US Bank overdraft rip-off

This is the worst "predatory lending" institution I have ever dealt with- while I had money in my checking account, and bought things like a "cup of coffee, rented a movie $1.09, and a couple of other items under $5" they waited to post to my account, even though online it showed "pending" and reduced my balance. Days later when my health club membership went through, they "overdrafted me on all items"- meaning a charge for 6 different items under $5, by holding my health club membership first, then being .30 cents over, then submitted all the previous items that were days earlier so they could screw my for over $245 in fees- without the fees my account would have been 15 over- and recieved one fee. What a ### bank who needed bailouts to survive after ripping off consumers in the mortgage scam from a couple years ago- now they boast how "profitable" they are by using "predatory lending techniques outlawed in this country. Needless to say, I am closing out a 15 year relationship and going to a credit unioun or small local bank- screw these @$$holes... stay clear if you're wise!

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tatjanar
DARIEN, US
Mar 29, 2011 11:35 pm EDT
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I had this problem with 5/3 bank, they do operate the same way, they charged me 900$ in 3 weeks for 5.26 $ negative balance of one day!A lawyer suggested to take them to small claims court, for 45$ that I would pay the bank would loose thousands of dollars just to show up at the court and pay their lawyer! I never did that.I made another HUGE mistake after that-I opened 3 accounts at US BANK, now the same thing is happening. Just couple of months ago a received a letter from U.S District Court that 5/3 bank is being sued, they will lose 9 million $!and...they have to pay 3 times what they charged to their customers in overdraft fees!God bless America, inspite the hooligans who own the banks, there is God, there is justice.
This was never happening before, now it is because of bad economy.One of the managers told me, after I said that they are stealing the money from my little son:We have to feed our kids too!
Also I have heard too, that the best place to go is small local bank!
ps/when they HOLD all the checks to bounce them because of one, that is called RE-SEQUENCING!

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11:05 pm EDT
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US Bank us bank rips off customers behind the guise of personal property tax collections

US Bank is posing as tax collectors for the County of San Diego ... and profiting generously to pad their own fortunes. This is an outrage!

US Bank applied an annual fee of $100.14 to the monthly copy machine lease for our office. When inquired about, the County Assessors Office stated that the fee should actually be $43.00. US Bank stated that they charge a "handling fee" on top of the tax. When it was explained that the handling fee was thought to be excessive - even by the County Assessors Office - the staff at US Bank just replied "Well, that's the way it is. You don't have a choice in the matter".

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9:08 am EDT
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US Bank loan service

The State of Minnesota with its 10, 000 lakes has more registered boats than any other state in the nation. You would think that making a timely boat loan would be second nature to any Minnesota bank...except US Bank. I found a great boat and called US Bank on Monday for a simple loan. On the following Friday after suffering through a week of one stupid question after another I informed the personal banker that if this loan did not get completed that day the seller will sell the boat to someone else. I was told that they would deal with this on Monday. As expected, the boat did get sold to someone else on Saturday and after being a US Bank customer for the past 6 years I'm now shopping for another bank. Adios US Bank...you've lost not only my personal accounts but my business accounts as well.

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6:26 pm EDT
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US Bank getting change

I have a business and I have banked with them under another name since 2003. I divorced and changed the name of my business and opened a new account reflecting new name. I have had the account for over a year now and they just started charging me for getting change. One's 5's and so on. Well they credited me Jan and Feb but now they aren't wanting to credit this months even though she said I wouldn't be charged again... They told me I was charged by mistake at first then now they are telling me it is a new charge to all business for ones and paper money that I come get change for. So today I decided to go back to a bank that I left. I have had so many issues with them about not depositing my deposits for 5 days that were cash and not depositing the right amount. Should I have charged them for that? It would be alot more than the 90 dollars they are trying to charge me each month for getting ones. Not like I am requesting thousands of ones. Just a hunderd or so a week. Anyone else come across this problem with USBANK?

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10:13 pm EST
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US Bank shorted $100.00 tellers drawer has $1, 600.00 overage refuse to give me my $100.00

This evening 03/01/10 I went through the drive up of the US Bank on the southside of Pueblo, CO. I wanted to withdrawl $650.00 from my savings account. The teller Casey Kirk placed the money along with my receipt, ID, and ATM card in an envelope without ever counting the money back to me. I started to pull forward when I saw that the teller had shorted me $100.00 there was only 4 one hundred dollar bills and 3 fifty dollar bills in the envelope, so I immediately pulled up to the building and went inside. Another teller Ms. ? Chavez asked to help me I explained the situation and she said "he is going to have to count his drawer" with a nasty little attitude!

I moved off to the side so other customers could be helped and waited while Casey counted his drawer. He finished up and quietly directed Ms. Chavez to his computer screen which I could see read drawer over $1, 600.00. Ms. Chavez recounted everything in is his drawer and came to the same amount. Ms. Chavez then proceeds to tell me "we can't just give you the $100.00 until we verify he is over, since this happened so late today we are already on the next days business so you are going to have to wait until Thurday." There is nothing we can do now.

So I am just supposed to leave the bank $100.00 cash short and trust these screw ups. The best part is if I would have been the one to make a screw up on my account then I would be charged $35.00 per screw up and then an additional $5.00 per day I didn't deposit the money to cover my screw up and fees! I was assured though I have a "5 Star Service Guarantee", yea a 5 star service guarantee that they just STOLE $100.00 cash from me! So basically I just paid for Ms. Chavez and Casey Kirk to go have a nice meal on me here in lovely Pueblo, CO!

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72209
Little Rock, US
Mar 23, 2010 9:12 pm EDT

Check this out. A deposit was made of 6800 in a business account. they only deposited 3800. my slip shows the correct amount 6800 but only 3800 was deposited in my account. It took over a week for them to put my money in the account. Yeah no extra money just I'm sorry. They mess up so much I am switching. I am all for giving a second chance but they are wearing it out. Please

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realitycheckgal633
Plainville, US
Mar 02, 2010 5:56 pm EST

Next time, count the money before you leave the drive through teller. Who cares if there is a line behind your car. The bank rep EXPECTS you to count your money in front of them, [censored].

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US Bank fraud

My driver license was stolen sometime between January 12th and January 15th I found this out only after it was used when someone went through the drive up at US Bank downtown location drive thru handed the teller my drivers license posing as me said they didn't know their account number, the teller looked up the account number, gave out my account number to these (at least I know there was two involve, one was a female passenger) people, they withdrew 435.00 out of my checking account. I found out about it the next day when I went to check my account balance online. I immediately contacted the fraud department by calling the US banks toll free number. I also went to my local branch immediately the same day, closed out my account and reopened a new account this time placing a password on my checking account, the Personal Banker at another branch location also placed notes on my account stating the current fraud activity.

Two weeks later January 28th, the same people attempted to do it again. They went to the same US Bank location using the drive thru, attempted to withdraw money again. The teller again gave out my NEW account number! Only after giving out that new account number was my password verify along with other identifying information. The branch manager from the bank where this has taking place, contact the Personal Banker at the another branch location that I have been personally dealing with, she in turned contacted me, informing me of another attempt to gain access to my account had just accrued and that account number too had been compromised. I will have to close this account too. Was told at that time this person (female) even tried to contact the corporate office to get the password removed from my account so they can withdraw funds. My Personal Banker even told me she had a conversation with this person over the phone and knew it wasn't me.

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

I'm in the process of closing out my accounts and switching to a different bank. So far I have not received my money back and was told it was still pending as of January 29th.
I have not found out if the same teller was involved or not!

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dontlikewfnnb
Waukesha, US
Jul 18, 2013 6:30 pm EDT

I mistakenly overpaid (online ) on a car lease by $20, when I asked them to return the extra money they told me it was being used for RETURN ITEM FEE PAYMENT which means they will charge me for overpaying on the lease. The lease is the only account I have with US Bank and the money was transferred from another bank.

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Jen G
Mundelein, US
May 09, 2011 2:38 am EDT
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Lat month someone went into the US Bank and deposited a $2500 Check into my account and took $2000. Then went to another state and took out another $400. I noticed the fraud on my account and all my US Bank accounts were frozen. They are invegistating. I am guily until proven inocent. Now im being told after they discover that i am not the one who did this it will take them another 45 to 90 days to return my money. NOW i have their collections department calling me because my account in at a negative balance. WORST BANK EVER.

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72209
Little Rock, US
Mar 23, 2010 9:34 pm EDT

This so sounds like USBANK in arkansas to. Takes them days to do the right thing. It could slap them in the face and they still couldn't see it. Some people really don't need to work at banks. Thats why we put codes and passwords on things to help keep us safe.

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Daawgon
, US
Feb 01, 2010 2:01 am EST

I live in Portland, OR and I also dislike US Bank. I do believe they owe you both an apology and all of your money returned. I know in my personal dealings with this bank that the level of incompetence is unbelievable! Have you talked to that branch's manager? I would be on the phone immediately with him, and if he gives you no very quick answers, I would then be on the phone to that bank's regulator - an office of the US Treasury. Ask them to tell you specifically whom their regulator is - laws have changed recently. I had a claim against Wells Fargo several years ago and the regulator at that time was the Office of the Comptroller of the Currency (which is under US Treasury Dept.) I called their office in Houston and was given very specific info on who to contact and how - they helped me a great deal, and Wells sent me a refund check PDQ! Banks do not like being reported to their regulator!

Good luck with your claim - I agree totally with this outrage

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Dolphinblue6
, US
Feb 01, 2010 12:06 am EST

I live in Omaha. Which branch was this? Location? Hope itsnot mine, but maybe I need to switch from USBank anyway? Sorry you are going through this.

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US Bank fraudulent charges

US BANK! HUH nothing says US about this bank, a customer to this bank since 2001 however when a accident totalled my car, the insurance companies auto and Gap had faxed documents to this bank advising of payment processing and soon would be delivered. However 6 days before Christmas- Hearless Huh this " bank" decided I was no longer valued although they had info in writing they would recieve payment they TOOK almost 300.00 out of my account without authorization although direct debit had been cancelled and all their good for nothing customer service manager could say that's policy and well you should have paid. The Gap insurance company sent the check out on 12/19/08 to this company and what I was advised from this terrible instituion is well when we get the check you will get your refund - the late fee 29.00 - the 50.00 fee for cancelling the direct debit option (that they still debited) I would have to wait 7-10 to get what is left back from my money. Some 5 Star service Huh? Yeah I feel the five stars in my rear from this Bank. I warn you all don't walk past US Bank to read signs, if they say come in we have specials yeah speacial hidden fees, specially screw their customers. YOU ESPECIALLY RUN TO THE NEXT BANK! you've been warned.

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Vanesa
, US
Apr 02, 2009 1:53 pm EDT

Seeing all the complaints about US Bank actually makes me feel better; at least I'm not alone! I feel justified in my loathing for this bank. I can't explain the whole problem because it's not my account. My son saved all his money in college for a two month trip through Europe. I told him to get a new bank before he left but he wouldn't listen. He overdrew on his account; he's using ATM machines. The infamous 'white postcards' started coming to the house. I called the bank but they wouldn't talk to me! I begged them to help me straighten out the account. I couldn't get a hold of my son. Also, some of these charges were from weeks before that were just being processed. The postcards kept coming despite putting $800 in the account; the fees were wiping out our deposits. They were charging fees on the fees! I called again and told them I was my son. Still got nowhere. They told me I had to go to an office. The office is in Milwaukee. (Marquette University in Milwaukee allows this 'Sopranos' organization on their campus. Maybe Marquette is getting a cut) We've now put in $2300 in hopes that this will come to an end. I can't even get my mail; I'm afraid the postcards will cause me to lose it all over again. What an awful, awful company. How do they live with themselves. Please write your representatives to support Rep. Carolyn Maloney (NY-14), a senior member of the House Financial Services Committee and author of overdraft fee reform in the last session of Congress (H.R. 3449). People who make honest mistakes shouldn't be punished like this.

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Samanta
, US
Apr 15, 2009 4:35 am EDT

We had a checking account through US Bank. They had deposited 80 dollars of somebody else's money into our account without us knowing. We called the number on the back of our card to check our balance one day and we had X amount of money in there, so we went shopping. We didn't spend all of it, but the next day I get online to check our balance again and it shows that we are over drawn.

They had realized their mistake and took the 80 dollars out which put us 26 dollars in the hole. They then proceeded to charge us over draft fees left and right! I called and called and they kept saying how it was our fault for not keeping a register! I then told them that they offer an automated register, the one I had called to check the balance... They refuse to stand behind there offered services and to work with us.

I told them we would pay for what we spent but not for all those overdraft fees. Still to this day, no one will help us.

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karen65pissed
Apple Valley, US
Jul 07, 2011 6:49 am EDT

needless to say, I am now 1700.00 overdrawn. nsf fees are 1000.00. Havent talked to the bank yet, getting all my facts together so I look a little smarter then they do. I will take this to higher forces. My money will not go to those jerks.

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karen65pissed
Apple Valley, US
Jul 07, 2011 6:46 am EDT

They suck . overdraft protection my ###. Its lets build our revenues, and let you overdraw your account up to around 500.00 and we will rack up nsf charges to its peek. A month earlier wouldn't allow me to withdraw from my account and I was only 5.00 overdrawn. their revenues must have been high in may.

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sxrehborn
Moorhead, US
May 25, 2011 1:18 am EDT

While I understand the frustration of overdraft fees, let me explain the other side of this story. I work with credit card disputes for a bank, and about 70% of the disputes I handle are fraudulent charges. I find notes on accounts everyday that someone called in pretending to be the cardholder. How much angrier would you have been if some stranger had called in and we had been lax in our security measures? They could have gotten away with sensitive information that would have certainly led to much more money lost in fraudulent charges to the account.

At the end of the day, if your son is old enough to have a debit card and tour around Europe, then he is a big boy, and should be responsible enough to keep his account balanced and not overspend to these extremes.

On a side note, I will say that most banks will hot-list (place a block on) a card that is overdrawn too deeply or for too long. It does seem strange that they didn't take that proactive measure.

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US Bank unpleasant experience

This bank has been screwing my father for years, with over drafts and the like, while admitting no fault of my fathers he was still required to pay penalties, He had a Auto loan thru usbank with insurance in the event of death of him or spouce loan would be paid off wich he forgot about but the bank didn't forget and continued to withdraw payments, when we found out and confronted them they payed the loan off but have never reimbursed him for the past three years. USBANK told him three weeks ago he would get a cashiers check in ten days, when he didn't get it they said that was a mistake and it would be mailed out in two weeks, we requested it be deposited directly to his account, we were told they could take the request only no promises.

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pandysue
Rancho Palos Verdes, US
Apr 26, 2010 7:33 pm EDT
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US Bank Has been ripping me off for 3 years now without me even knowing it.Just found out about illegal charges that they were charging me without my knowlege.This has been a absolute NIGHTMARE for me and my husband.I call the Banks and all they do is give me the run around.Just recieved another statement in the mail today that US bank has sent to the WRONG address again for over seven months.Why can't they get a simple address change right?I have Closed my account with them and will never Bank there again. They had a Reserve Line of credit that they attached to my account .I was not even of aware of this until I closed my account.I did'nt sign for it or even know it was linked to my account .These problem's have caused me so much worry and stress that im literally sick. Please if there is someone out there that can Help let me know.This is so scary to know that this Bank can add fees without your signature or without your knowlege.PLEASE SOMEONE HELP!

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vikki1984
Starkville, US
Jan 05, 2010 12:35 pm EST

i am a customer with us bank n they are a rip off ...thats why i am going to another bank

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US Bank outragous overdraft scam

I have been a US Bank customer for a while. I have gotten overdraft charges before because they push charges through to make sure there is a negative balance before midnight. But that's business, so I paid the outragous charges and kept banking with them. But this time I knew my account was going to be low, so I made sure at 11:00pm that it was positive by transfering money from my savings. When I checked the bank account the next day, I had four charges that appeared from nowhere with overdraft fees! My husband, trying to calm me down, called to see why these charges just appeared and why they were not reflected on the amount the day before. The bank specialist told us that if the merchant does not collect within five days, they just take it off the available balance! So I had no knowledge that these charges were still pending, it didn't even show on the account balance. It was the holidays! Of course sometime between 11 and 12 pm they just popped right back up. If I was aware of these charges I would have covered it. This makes US Bank a very unrealiable source to help keep track of funds- which is what a bank is supposed to do! Generally when I have plenty of money in the account they wait until the next day, but when they are low always, always push to get overdraft fees. This is no longer a bank I can trust or recommend. If you bank with US Bank, your available balance shown on the website might be fraudulant.

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LisaLisaLisa
, US
Apr 18, 2011 5:11 am EDT

I've had the same experiences in Seattle, Washington, and similar suspicions about the way they do business. It does indeed seem that charges go through quickly when my account balance has been low - and in a different manner when my balance is high. In this way, you get comfortable with your banking cadence - until they catch you off balance (with a low account balance) they they swoop in and just take fees, driving your balance down lower, then they can take more fees. I also have noticed that they have found more ways to charge me during the holidays! Additionally, they have a whole pile of nebulous rules on how they handle deposits. Although your account balance will reflect a deposit you've made, I have been hit with overdraft fees after the fact because of "holds" they will place on my funds ...the following day. I am talking about CASH deposits and paychecks from the giant well known company I work for, not personal checks by the way. And they give me a different rule each time, as their excuse, based on time of day, a time zone that is not my own that they are using, ATM deposit (in my actual branch) vs. making a deposit in the drop box, day of the week, type of deposit, how much money I had in my account before I made the deposit, and well it took them several days to determine it really was CASH I was depositing. Over the years I have heard all of these excuses. I think this is their sneaky way of keeping you from learning and thus making the same mistake. Why do I still use them? Good question ! I'm overbooked and over busy and don't have time to go discover a whole new set of deceitful practices at another bank, I guess.

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US Bank rude and intimidating

On Sunday after Xmas, Cari X 688 calls. She first asked for my ex and I asked who is calling. When she told me it was US Bank I told her she could speak to me about it because I am joint account holder. She told me about the loan amount and that it was past due. She said she was calling to collect.
I explained to her that this bill is split 50/50 with my ex and due to a misunderstanding they only got half of it by the due date, also, I told her I just noticed it this week when I got the bank statement, and that I had already scheduled payment online and they should get it by Tuesday. She asked me how I felt and I asked her how she felt and said "I feel good because I pay my bills." So I told her I pay my bills too and how dare she implies that I should be feeling bad about myself because of this. She asked again "are you ready to pay this now?" I asked her if she was deaf. It is ridiculous that this was sent to collections the same month it was due.
An hour later I.C. Systems called, they didn't respond to me, they just hung up. So I research and find out IC is a debt collection agency. So now I understand what she meant by "I will keep this in collections as if you refused to pay"... Awful people.

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perfectlyfair
chapel, US
Jul 03, 2010 8:29 pm EDT

wow what a jerk. i haven't personally encountered this type of rep from that bank but my goodness. Terrible how people can be.

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US Bank late fees

Just received a notice that because my credit card payment has been paid late a few times now they are reducing my credit card limit. My payments are on time and twice now they have claimed my payment was received late. Back in july 2009 was one and it was mailed one week before due date. This is vt to nd. Can't take a week. Paid the late fee and now I receive this letter. This last payment was mail more than a week ahead and was just cleared with my bank 3+weeks after I sent it. Clearly us bank is holding the mail so they can initiate a late fee. I am paying the balance and cancelling card immediately. Can't imagine how many customers they do this too. Their justification this time was because it is christmas time the mail must be slow. Not 3 weeks slow is it usps? Funny none of the other bills mailed with this bill were late?

Good luck to anyone doing business with them cause they certainly will need it!

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The Truth
anytown, US
May 01, 2009 12:38 am EDT

I went from a fixed 9.9% to a 15% jump because they said there was a letter of new terms in my February statement that i had too sign to keep my existing terms. There was no letter in my statement people. Now that i did not sign the form, they reviewed my Acct. and reviewed my credit report and they could not give me a real reason why they did this. I think it was because my debt to income is high. So F-ing what I pay my bill on time and some time more than the minimum. I asked if they could work with me and of course their favorite words are: No, I'm sorry there is nothing we can do. We need to start a class action law suite.

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DdOd
, US
Sep 15, 2009 7:23 pm EDT

Three times I have been charged a late fee payment of $29.00 For paying my credit card bill early! They gave me two refunds but "leah" and her manager said no refund this time. I am being punished because I am paying my bill early on the internet because it hadn't printed. How many people are paying the bill early and they are tacking on late fee payments for paying early? This is one way for them to help the economy!

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tickednow
Corvallis, US
Dec 18, 2009 11:09 am EST

They nail people with fee after fee after fee! one mistake on account can cost you hundreds! And I had a couple frauds on account, it took 2 months to get things done and had to make many trips to bank to straighten it up. because the mail and time frames! I swithched to a different bank that handles frauds different and you can get a special protection card for ordering things online or phone!

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Roy
, US
May 01, 2009 9:12 am EDT

US Bank has been messing with me for the last year. Of coarse in the worse possible time. Just went from 7% to 19% without any notice at all.

I have decided to make it my life's mission to spread the word to others.
I made a blog and going to make a website pertaining to the subject and of coarse a attorney would be good to take on the machine.

http://usbankripoff.blogspot.com/

Roy

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US Bank overdraft fees

Has anyone from topeka ks had trouble with us bank? I wanted to close my account because they would not allow me to put a stop on a check because they said if I meant to write the check then I am obligated to pay it. So I told them I wanted to close my account and they said I could not do that because I have checks out. By the time the finally closed my account I owed $400.00 in overdraft fees. The money I had in the bank to cover checks except for one they sent them back to place I wrote them. The check that I tried to put a stop on was electronically deposited and I didn't have the money to cover it, the smaller checks that should of been covered were all sent back too and all the fees started adding up. I had to go to all of the places I wrote checks to that should of went through and pay them 30 dollars each. Then I went back to the bank and tried to arrange payments to pay them, they said they couldn't take payments I could apply for a loan and use the money to pay the $400.00. I said no the min. Amt for a personal loan was $2500.00. I didn't need that money or another bill. They ended up turning it into some collection agency that told me if I agree to pay $350.00 in 5 monthly payments they would drop the interest and $50.00 of the principle. Well they are liars and thieves just like the bank. After the deal was made with one person they put you on hold for 17 mins. Then you get disconnected and the person you were talking to is busy and they have another person take over and you are told to go purchase a money card and they will call you on your paydays to arrange the amount to be taken out. When you have made the 5 payments and don't make anymore they start harrassing you for more money and you tell them that you completed the arrangement and all of a sudden they are stupid and have no idea what deal you are talking about. There has to be someone out there that protects us against these rip off people. Is anyone else in topeka ks having problems with us bank and their collection agency? Please comment and maybe as a group we can do something. Thanks

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VCDrake
Topeka, US
Dec 09, 2009 5:24 pm EST

I live in Topeka too and I'm familiar with the bank you're talking about. Sounds familiar to an experience I had with Sunflower Bank.

Truth is I won't have anything to do with traditional banks anymore. There's many articles on the internet about banks making a business out of ripping off their customers. Pretty sad.

Once I discovered ING Direct several years ago, I've done my banking with them. Once I got Sunflower paid off and closed a few years back, I've done all my business with ING exclusively.

I've not had one single problem with ING. Everything is online and electronic. I get one check that can't be direct deposited, but I just put it in the postal mail and it's in my account within 2 days. No big deal. That might bother some people, but not me.

I have a small overdraft on my account and rarely use it anymore, but I've never had problems with it. The charges to use it are in the pennies (literally) compared to the $27+ regular banks charge.

They've never screwed up once. I'll never go back to rip-off banks ever again.

My brother is a fan of credit unions.

If I were you, I'd get them paid off and find an alternative bank like ING or a credit union that you can trust.

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US Bank fees on a closed account

I had a problem with my account back in 2003. They fixed the fees from the obvious problem that I had, but I decided to close the account and start over somewhere else. I evidently made the mistake of closing my account at the end of my e-mail to them while thanking them for resolving my other problem. I closed my account by e-mail and went to the bank and withdrew all I could at the atm. This was 2 weeks before the end of the month. The next statement came saying I had a negative balance of $180. This was all charges based on the overdraft of the $6 monthly fee and a $8 insurance policy I had thru usb. I contacted usb customer servive, they sent me to the bank. The bank informed me they would not help me and that I could not close the account by e-mail. I told them to close my account and I would pay something for my ignorance but not $180. They again said they would mot help me. I waited 5 years and 8 months. I am now being harassed by regent asset management, saying original debt was $240 and now $800, but they would settle for $560. How could customer service not tell me I would have to close the account some other way? Why was my account not closed even when I went to the bank, they continued charging? Why when I informed customer service and the bank I was disputing these charges I heard nothing for almost 6 year? If anybody has any tips that would be helpful please let me know.

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ABDOULWAHB, MAIGA
San Diego, US
Dec 28, 2010 7:10 pm EST

US bank is EVIL. I overdrown 96.56$ und by the time my bank statement get to me for the next cycle, i owe396.56$. So i called customer service to schuddle a payement . The settlement was 132.18$ a month for three months. i paid and my account was closed. I had a statement telling my to pay 103 $ or they will send it to a collection agency. There is nowhere in the terms and conditions the customers will be charged after PAYING OFF and CLOSE their account.
Everybody knows the economy is bad but BLEEDING US is not your solution (us bank).
Finally if you have an accent, they will understand your English so well when you are making a deposit. But when it comes to ask for information about your money, they dont understand your English. As matter of fact I ve been hanged- up on 3 times just today. WHY DO I HAVE THE FEELING I AM DEALING WITH SOME GANGSTERS?

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US Bank loan modification

I called us bank mortgage department at 9am pst which went straight to hold music for 20 minutes. Agent "one" transferred me to agent "two", then was sent to agent "three" upon being told that the loan in question might be held by option one. Agent "four" comes on the line and tells me to talk to a "loan specialist", which is who I asked for 20 minutes prior. Agent "five" comes on the line after another transfer and gives me three other possible numbers to call. It is now 10:25am and i'm being transferred to agent "six" who takes my information and then decides to tell me that I need a "loan specialist". She tells me that she is a loan clerk and will transfer my call. At 10:40am, I finally reach an operator that tells me that they can't locate our account even though I have the billing statement in my hand with an account number and address. They also said that there were no supervisors or attorney's to take my call. I will resolve this cluster of a mess with a subpoena, not a phone call.

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US Bank account closure

I complained about a two check deposit taking 15 minutes in the drive thru and having to come into the bank to get the deposit. I have never even been close to over drawing my account in my life time.

I was never offered an apology nor an answer for the delay. I continued to file complaints with the home office and never got an answer. On friday, my account disappeared with no notification. They closed my account with no notification and mailed me a check. They didn't have the courtesy to tell me and the funds were all collected.

Banks should not be allowed to close your account without notification. No checks were outstanding, but when I get the check, it will take time to get collected funds on their check. The bank was being vindicitive

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US Bank Customer Reviews Overview

US Bank, operating through its website usbank.com, offers a range of financial services to individuals, businesses, and institutions. Their product lineup includes checking and savings accounts, credit cards, and loan options such as mortgages and auto loans. Additionally, they provide wealth management, investment services, and insurance products. For businesses, US Bank offers payment processing, cash management, and commercial lending. Customers can access services online, via mobile app, or through their network of physical branches across the United States.

US Bank In-depth Review

Overview: US Bank is a well-established financial institution that offers a wide range of banking products and services. With a rich history and background, US Bank has built a strong reputation in the industry.

Products and Services: US Bank provides a comprehensive suite of banking products, including checking accounts, savings accounts, loans, and credit cards. In addition to these core offerings, they also offer convenient online banking, mobile banking, and investment services.

Accessibility and Convenience: US Bank has a widespread presence with physical branches and ATMs available in many locations. Their website and mobile app are user-friendly, making it easy for customers to manage their accounts on the go. They also provide various customer support options, including phone, email, and live chat.

Account Features: US Bank offers competitive account fees and minimum balance requirements. They provide attractive interest rates and rewards programs to help customers maximize their savings. Additionally, they offer useful account management tools like overdraft protection.

Online and Mobile Banking Experience: Setting up an account with US Bank is a breeze, and their online and mobile platforms are intuitive and easy to navigate. Customers can enjoy a seamless banking experience with features like fund transfers, bill payments, and account alerts. US Bank prioritizes security measures and fraud prevention to ensure the safety of customer information.

Customer Service: US Bank's customer support team is known for their responsiveness and helpfulness. Customers can reach out for assistance through various channels, including phone, email, and live chat. US Bank strives to resolve issues and complaints promptly to ensure customer satisfaction.

Financial Stability: US Bank has a strong financial standing and stability in the industry. Reputable financial institutions have provided positive ratings and reviews, highlighting their reliability. US Bank has also achieved notable financial achievements and received awards for their outstanding performance.

Community Involvement: US Bank is committed to corporate social responsibility and actively supports local communities. They have implemented initiatives and programs to make a positive impact, and they prioritize environmental sustainability efforts.

Fees and Charges: US Bank maintains transparency in their fee structure, ensuring customers are aware of any charges. Their fees are competitive compared to industry standards, and they do not have hidden charges or unexpected fees.

Customer Reviews and Ratings: US Bank has received positive customer reviews from various sources. Overall, customers are satisfied with their services, although there may be some areas for improvement. Common feedback includes praise for their convenience and customer support.

Pros and Cons: US Bank's strengths lie in their wide range of products and services, user-friendly online and mobile platforms, and strong customer support. They set themselves apart from competitors through their commitment to community involvement. However, there may be room for improvement in expanding their offerings and addressing specific customer needs.

Conclusion: US Bank is a reliable and reputable financial institution that offers a comprehensive range of banking products and services. They prioritize customer satisfaction, convenience, and security. US Bank is recommended for individuals and businesses looking for a trusted banking partner. Their value and reliability make them a top choice in the industry.

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