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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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3:09 pm EDT
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US Bank trustee threatens beneficiary

Trustee for the justen family trustee, sends me sms that states we do wish you financial harm. He was referring to not paying my mortage on my home, which theres 400, 000.00 plus cash, increase cash value. Wanting other family members to gain control of asset. While trust and other family members lost millions this past years on foolish risky ventures. [protected]@hotmail.com stay clear you ca not trust them, there all crooks.

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terry0321
Scottsdale, US
Jun 17, 2009 5:15 pm EDT

This seems to be a pattern with USBank. They do not give out any information when requested. When one threatens to excersize their rights USBank gets pissy. My trust administrator threatened to liquidate our real estate holdings so to "diversify our assets". That would have been disaster in this economic climate.

My advise: get a good attorney and push USBank to resign the trust. Make yourself the trustee! Start with letters to Diane Thormodsgard and Mark Jordahl at USBank corporate in Mn

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4:42 pm EDT
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US Bank bank fraud, nondisclosure, tax fraud

Us bank trust, in milwaukkee involed in perjury to a state judge and nondisclosure of assets in offshore locations to cover tax fraud. Family members, and trust officers in order to control assets eclared william r, justen, justin. Insane. The law office of whyte hirschboeck in milwaukee, wisconsin also involed. The trustees refuse to release documention, and past correspondence, even after trust officer, steven knox states I william r. Juten am legally in the right. Knox, also threaed william justen inwritting stating, we wish you financial harm. And refuse to pay mr. Justens mortage payments so othe family members, can take advantage of wiliam justens financial gains. They have also hidden assets in offshore countries, like liechtenstein, grand cayman, bahamas to avoid taxation and to keep him from his assets. And in order to continue there massive fraud they have created another john justen, to asure the funds hidden behind the blind trust do not go to the legal holder, william robert justen. Assets go as far back as world war wo in the country of belguim, switzerland, germany, ect, they accomplish there illegal activities, by funds to political leaders to asure the fbi, and irs do not spoil there fifty some odd years of fraud, for more written proof, contact [protected]@hotmail.com

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2:31 pm EDT
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US Bank online banking

US Banks online banking has been down for over 2 hours. They are displaying a message saying they are doing "routine maintenance." I work in IT and I know that no one does rountine maintanence in the middle of the day by choice --- I assume they were having an issue. I finally called the bank to see if there was an ETA on when the problem would be fixed and the system would be back online. To my great surprise, I was told there is no problem (nor was there an ETA as to when it should be back up. I was told to just 'keep trying'). US bank has purchased some banks in California and they are running a conversion program to integrate customer information into their regular system. DURING NORMAL WORKING HOURS?! Excuse me? What kind of an organization impacts their customers to run a rountine program that should be handled during the overnight hours like everyone other real-time transaction processing shop does it? Clearly, this company doesn't care about customer service. This is the proverbial last straw for me. I'm going bank shopping.

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9:33 am EDT
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US Bank closing of the checking account

On December 1, 2008 I have became a victim of identity fraud. All of my personal information was stolen and I was advised to close all of my accounts. The same day I went to my local US Bank branch located in Meijer in Rolling Meadows (1301 Meijer Rd, Rolling Meadows, IL 60008 ph#[protected]) and closed my savings account. At first I wanted to keep my checking account open because I was waiting for some transactions to be cleared. On December 4th I have received an email notification from US Bank that my address on the checking and money market account has been changed and if this is not correct I need to come in to the branch. I left my work and went to the Rosemont location (9575 W. Higgins Rd Rosemont, IL 60018 ph#[protected]) and talked to the branch manager Doug Karlic. I explained my situation and told him to close the account as soon as possible even though some transactions are still pending. I was told that it will take up to 48 hours for the system to close this account. I advised him to close it so I can have this issue resolved by the end of the week. Few days later I went to Elmhurst branch (536 S. York Rd, Elmhurst, IL 60126 ph#[protected]) to close the money market account. I needed to go there with my aunt who was a primary person listed on this account and she opened this account at that location and we were told I will not be able to close this account without her signature. Again, we explained the situation and ask for the account to be closed. Everything was done the same day and money market account was successfully closed. I asked the customer service representative about my checking account and was told it is still open after 48 hours later. She advised me to call the customer service 800’s number and talk to them. I placed numerous phone calls to their customer service department and every single time I was told a different thing. Basicly they told me that they will not be able to help me with closing that account because I have to go to the branch where the account was open which was Elmhurst branch. After calling them they said that the closing of the account can be done at every US Bank branch. When I told them that I already requested that at Rosemont branch they directed me over there. So I went there and again was told that this will take another 48 hours because the system didn’t recognize the previous request because I had some transactions pending. I said I wanted this account to be closed right now and I’m willing to pay any fees but I want everything to be closed. I was promised it will be closed in the week. Today is March 23, 2009, four months later and my checking account is still open. I just received a statement from US Bank saying my ending balance on the account is $0.28. I truly don’t know what to do anymore. I called customer service so many times and visited the branches few times, talked to many people at US Bank and no one is able to close my account. I wonder how hard it is to close the basic checking account. US Bank never apologize for anything. This entire process took a very bad toll on me. I was constantly stressing out that someone will try to access my personal information on that account, especially when someone already tried to change the address on this account.
I have been US Bank customer for over 6 years and I will never do any business with this institution ever.

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MaryAnn Miling
, US
Jan 29, 2017 8:53 pm EST

I also bank with US Bank and waiting for 1/31 for direct deposit transaction to happen and then I want to close my account and open at Huntington Bank. US Bank never helped me and are fraud. When I was in the overdraft not long ago, I did everything to put some money into my account so I am above so I am in plus with my account. by the time I got home and went on internet banking, I was in minus again because they withdrew the money from my account and I asked when at the bank in person If I was ok and so did the balance show that I was...in solid $300 good. I got home, I was under 100 meaning in overdraft and I had no auto pay...from my account...they took my money a big chunk of money...they don't give a damn about us customers...so after reading all the reviews above, makes me really paranoid how this is going to play when I need to go to the bank and close my account...and never again have any business with them. I am already on verge of bankruptcy and if they are going to tell me to go to close my account on the other side of town., west side of where I am living and in these weather conditions...and to be told I could have done it at the local branch...I swear I am going to scream at them.

Valerie
Valerie
, US
Jan 25, 2008 12:00 am EST

I did not learn about the $.25 charge per use for using my debit card until I overheard a teller explaining it to a new customer approximately 1 month after opening my account. I reviewed the literature I had and couldn't find anything describing such a charge. To avoid such a frivolous charge to my account each time I purchased something with the card, I began using the charge function instead. That prevented the $.25 debit charge, but the transactions weren't showing up on my account in a timely fashion. As a new customer, I was specifically instructed to go by the 'available balance' for fund availability. However, the bank conveniently wasn't posting transactions in a timely manner, which skewed my true available balance.

I have all receipts for transactions using my US Bank card since I opened the account. I have compared ALL transactions for a particular day to the available balance shown on the paper statement on that date, and NEVER did I EVER go below the available balance on my statement. However, each month US Bank has charged me multiple overdraft charges (at $35.00 each) for overdraft charges THEY say I had incurred that somehow didn't show up on anything, whether in my online banking statement nor the paper statements I have.

This bank is a bunch of crooks and should be held accountable for their poor practices.

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K. Rodgers
Aurora, US
Feb 01, 2012 3:59 am EST

I do have to admit that after six years of banking with them they have shown me the very opposite of 5 star customer care. I have had a secured Visa and checking account with them for several years and even though I have received generous credit from Bellco Credit Union, Capitol One, Bank of America, and HSBC, I always fail to get my US Bank card converted into a non-secured card. I faile to see their reasoning behind this, if my credit is that bad why do I have these perfect accounts with these first and second tier lenders. I moved all but a thousand dollars of my direct deposit to Bellco and leave a cool grand that I am sure to always spend in the US Bank account. I only deposit money their because of the card I have with them, otherwise I would have dropped them like a hot coal. I makes me sad, I banked with them because my mother has worked for them for around eleven years, yet they can't extend me real credit. This company is doomed to fail, they are not worthy of my money or yours, I recommend Bank of America or a local credit union, skip the money junkie tight-wads.

Bellco Car Loan 9K
Bellco Visa 1K
Bellco Personal Credit Line 500
Capital One Rewards 750
Capital One Classic 500
Bank of America Visa 500

But never good enough for US Bank, nor are they good enough for me!

K. Rodgers, Colorado

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splais1
Yuma, US
Oct 22, 2009 9:51 pm EDT

U.S. Bank is a huge fraud and only out to screw you the customer. I have excellent credit, neer missed a payment or defaulted on anything. I submitted a CC aplication to combine three Cards onto one and take advantage of their 0% interest for 12 months. The approved the application, then only trnasferred the two small amounts and charged me $50 in trnasfer fees. When I asked what happened to the third thransfer they said they didn't approve it. I said why wasn't I told? Asked to reverse the whole thing, told I couldn't; asked to have my limit increased $2000 to cover the third transfer, told I'd have to wait 6 months. I could cancel the card, they were fine with that, but they would keep my $50 transfer fee. Stay away from this bank, they are a dishonest operation.

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James E Tucker
Tempe, US
Oct 05, 2012 10:38 am EDT
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Got a letter stating they had issue a check on May 22, 2012 and that the check had not cleared. It took a week to get thru on their phone lines, I informed them that we never rec'd the check and they said, I'm sorry but we show it was mailed. I told them I check all our financial records and we never deposited that much money and don't recall ever receiving that check. She said that in order to get a replacement check we had to pay a $15 fee to cancel the last check. I told her I didn't feel it was right for me to pay for a check cancelation for something I never rec'd. I guess that doesn't matter. They say they mailed it and that I must have rec'd it. Great customer service. So if I want the balance of the money I put up with this kind of treatment.

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A. H. M
, US
Mar 11, 2013 2:32 pm EDT

I opened the a/c when i was 23 with US Bank now 42. I moved overseas 10 years ago with a debt of $35000 from the same bank and paid every penny. I bought a house and again took a loan from US bank for another $15000 to $20000 and paid that off. 3 years ago i moved my family back and was sending money every month to cover their expenses during my financial crises. I didn't take any more loan from US Bank. Couple of months ago i decided to come back to my family and started to sell everything i had abroad. My brother in law took $20000 from me here and deposited in my a/c through someone in US. The bank started giving hard time to my wife and had here take cashier check for $10000. I called them and they said that someone else can not deposit money into our a/c. The rest she paid off the car and spend on living and bills. US Bank closed the a/c without sending any information which the claim they did. My wife opened the a/c in Bank of America and i am sending the money there for the family. I am moving back and selling everything plus my end of service bonus award will all be send to BOA. They are very happy and we are very happy. I deeply regret giving business to US Bank who do not value their costumers. I am a proud American and I always thought that making and sending money from abroad some how helps the economy little bit. P.S they closed everything but left a $20000 credit card open.

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mtwdrw
Austin, US
Jun 15, 2011 10:03 pm EDT
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Ambivalent wording regarding application of payment to their credit cards, does NOT cover when you have TWO zero interest balance items.
They applied payments for 5 months to new zero interest item and not to original balance.
I phoned and was told they didn't know how to get payment or part of payment to old balance. I wrote: the 2 letters did not address my issue.
One in fact said they couldn't issue another card. I didn't ask for another card. I phoned again and was told in spite of wording that did not
address application of payment to TWO zero interest items, I must pay my account in full $9470, to pay off the $2129 that becomes interest
bearing next month. SLEAZY. Other banks are clear in their wording or work with one if they want to keep you as a customer. I closed the account.
Luckily I have the money to pay off this account and forget about them.

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Dels
, US
May 29, 2011 6:06 pm EDT

I don't know about the rest of America, but US BANK to me is a CROOKED BANK. Not only did they boast of being 0ne of Two banks that made a profit in 2008, they took billions of dollars in taxpayers money to pad their pockets. Here is the CROOKED PART they adjust their computerized bank records to STIFF their CUSTOMERS. Just last night my wife was out and checked her balance at an ATM, it said she had enough monye for a moderate withdrawl. When she got home later she went on line to validate her balance and check how much she need to depsoit to bring her account back to where it was. I went to a US BANK branch at 9:00 AM and made a cash deposit for her. When I got home she checked her balance on line again as she always does and just like clock work, US BANK changed her balance records putting the last nights withdrawl five down, before the other withdrawls previously taken out, and then proceeded to put her in negative status for the prior withdrawls. Four charges of $37.50 for each transaction = $150.00 in US BANK charges. To me this is manipulation of bank records and theft by deception of CUSTOMER CASH. I want to see more reports posted on the site and I will look from time to time to see the response. My God are there any HONEST business people in AMERICAN BUSINESS ? These CROOKS - US BANK show be PROSECUTED !

Valerie
Valerie
, US
Sep 23, 2008 4:58 am EDT

My wife and I got a security system for our home last month. The monthly fee, taken automatically out of our checking account was supposed to be $44. The security firm took out $143, putting our account in the negative. In one day, U. S. Bank had our account to minus $127. We deposited $313 the day we found out the account was over-drawn.

That was last Wednesday. By Friday, they had the account in the minus again, to the amount of $127 again. There had been absolutely no activity on the account from us in those three days. No checks were written, and we did not use the debit card. My wife called the bank and all customer service would tell her was that there were overdraft charges, but they would not tell her what they were for or how we got them. By this Monday, the account was over $300 in a negative balance.

I noticed in another one of these reports that someone said U. S. Bank charges you $8 for every day that your account is in the negative. That is absolutely true, but even better than that, they then charge you a $37.50 fee on the $8 they took out because the $8 came out of a negative balance. So you actually get charged $45.50 for every day the account is the negative.

My wife has talked to the manager of the bank and I have tried to call him a couple of times, but he does not return phone calls, and he is always too busy to talk to anyone, whether by phone or in person.

Any helpful people out there who want to tell me some soothing advice like I should keep more money in the account, or have a budget, spare me. The negative balance was not our fault, and U. S. Bank has used the opportunity to hose us to the amount of $762 so far We had to deposit another $450 that we didn't have today to get the account back into a positive balance. U. S. Bank takes every opportunity to relieve people of their money. If you can't give someone constructive advice on how to fix the problem, don't give advice at all. Some of us actually have to live from pay check to pay check without a safety cushion.

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lfaulkner
Malvern, US
Jan 24, 2011 10:51 pm EST
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The service department did not close my account when I called about a lost card. They refused to put the card on hold, and said that they have NEVER allowed temporary holds on cards. I had been given a temporary hold on another occasion with very friendly and warm service, so I questioned this. I suppose because I questioned it, they simply decided to cause me trouble. I found out almost 10 days later that they had not closed the card, nor had they mailed me a new debit card! When I called back they made no offer to investigate the wrong handling of my account. Putting the supervisor on the phone made the situation much worse. She was cold and rude. She repeated the statement that they cannot put a temporary hold on an account - kept repeating this, no matter what I said. At first I was calmly asking her questions, and finally she said "Oh, you said ACCOUNT - we can't put a temporary hold on an account. " I said, no, actually it's pretty clear that we are talking about a card! Every issue that I tried to bring up, there was nothing but a brick wall from the other end. This was to the point of being abuse. When I had reached the point of frustration to where I was raising my voice, I said that I would need to speak with someone else. Then she proceeded to threaten me with a $25 late fee to rush the card to me. She did not offer any help or options at all until I got to the point of frustration - then she said "Mam, if you would have let me talk, I was going to offer to rush you a card. " I said, I have been calmly asking questions for 15 minutes here and you offered nothing! Of course I got frustrated! Your job is to offer service, and you have not been responsive to my needs at all. During this she was interrupting me the entire time, and saying that they do not HAVE to waive the $25 fee to rush the card to me -- even though they screwed up and didn't mail the card to me! I finally told her that I am very worried that I gave my social security number over the phone to a guy who did nothing at all after telling me the card would be closed. And I am not getting a good feeling from her, either. I told her I would rather just speak to someone else to close the card. She finally said, well then you can just call the 800 number again. She also told me that she was as high as I could go - that I would not be successful in complaining to upper management! And there truly is no complaint line, so customer service for US Bank is a JOKE!

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12:42 pm EDT
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US Bank terrible bank

On Oct. 6th, 2009 my parents sent me 850.00 dollars, from the sale of my car, I paid my rent with a check (I had enough money to cover the rent and the check fee in my account). My mom said when she put the money in my account she paid a fee; what she didn't realize and therefore couldn't tell me was she had sent me a wire transfer and now I had been charged $20.00. I have had money transferred into my account on several occasions and I had never been charged before.

On Oct. 15, a post card was sent to my address, because my balance was negative $88.25. I went to the bank and talked to the manager as soon as I received the notice. We looked at my account and he informed me of the wire transfer charge and the fees that had been caused by it. I hadn't used my debit card stupidly I just wasn't aware of how the money had been transferred to my account. The bank manager explained how wire transfers to us and then said if we paid the $20.00 wire transfer fee he would 'refund' the other fees we had been charged. We paid the fees and our account was set to zero. (I don't have the exact dates or the exact amount 'refunded' but I am going to get it).(because of this 'refund' I couldn't get another one when I really needed it).

On Dec. 19, 2009 we received very sad news that forced us to take a trip to Reno, we started this trip with $362.00. On the way to Reno we encountered three winter storms, a shucks auto person sold us tire chains that were way to big, so we bought more chains, and in this frantic state we did not remember that we charged Jiffy lube which was $47.94 and one other charge (maybe starbucks). We almost never use our debit card, we drove straight to Reno, it took twenty hours and we made fifteen purchases on Dec. 22.

On Dec.22 we over drew on two purchases one for $10.93 and one for $9.79, our ending balance on the statement says we closed at $14.48.

On the 23rd, we made two purchases using the debit card one for $9.45 and one for $7.89 our ending balance on the 23rd was negative $72.86 (we were charged two overdraft fees at $35 each).

On the 24th, we made one purchase of $11.38 and we received two $35 dollar over draft fees. (Ending balance of negative $154.24).

On the 26th, we made one purchase for $1.38, we received one overdraft charge of $37.50 and one for $16.00. (Ending balance of negative $209.00)

Yes I know we should have checked the balance but at the time I didn't once think about the bank, and I assumed that we had whatever money was spent. Some how we also didn't think that the debit card kept working well below, we have now been corrected on that matter. In total we take complete responsibility for the $60.00 dollars in over drafts. We were not able to return from Reno because of a storm that caused road closure, and our front strut broke and shredded two tires.

When we returned on Dec, 31st I found the notices in the mail and on Jan. 2nd I went to the bank. The bank manager informed me over the negative balance of $302.00. I asked about repayment plans, getting a credit card to charge the debit onto, but the manager said he couldn't do anything and that I would be charged $8 dollars a day for every day negative; I had to pay rent which we amazingly had the money for after taking an extremely unplanned trip.

On Jan.13, 2009 I went to the bank I had been to (in Oct) they suggested I go to my home branch, talk to the manager about maybe paying half and having them fix('refund') the rest. On Jan 12 the ending balance was negative $382.62

Around Jan. 20th, I went to my 'home' branch, the manager wasn't there, I took $150 cash and by the time I was done talking with the teller I put my money away. The $8 dollar a day fee would eat away the money until I could pay the debit in full. He also said because I had a recent (from Oct) 'refund' on my account that I can get another 'refund'.

When I went to my 'home' branch I took the letter I had received ( the return address was from that branch) ; this letter said I could call an 866# and get enrolled in a repayment plan. When I asked the teller about the repayment plan he had no knowledge of it, then after he read the letter and said I could only enter the program by calling the phone number.

When I did talk to my 'home' branch manager she also said because I had been 'refunded' money previously that she couldn't help me.

I called the phone number, (I continue to call this phone number), the only thing that has happened so far is I get 'the voice mailbox is full' or it rings and then it makes the awful noise. I finally got into the program on the last day my account was open, they didn't answer though I pressed 0 and got transferred to a real live person who was somehow part of the repayment department. First they had me hold my account open longer so they could file the appropriate paper work, and then they set me up for a $94.00 payment every 15th for the next six months.

I made one payment( now I only owe $458), then my boyfriend and I both lost our jobs. I also found out I am pregnant. All I wanted was a repayment plan that could make this debt smaller so I could pay it, everybody (bank managers and tellers ) said they couldn't help me. I don't know what to do. I want to see if they will allow me to skip a payment, I still owe rent for this month, I have been trying to call them since the 10th of march and I can't get a hold of them. I hold for like 15 minutes and then it says ' voice mailbox is full' or it rings and then I get a busy signal.

I went to the bank and had the manager call the 866# but she couldn't get through either. She finally called another number and they said the weather where the repayment plan is located is really bad.

All the USBank branches I go to tell me I need to call the 866#, even when I tried pressing 0 on the 866# number they said they couldn't help me. It's like repayment is a separate country.

I can't pay this month, I don't know if anyone knows what I should do. I posted this here because I wanted to pay what I owe, I couldn't while I was being charged eight dollars a day, and now that I am finally in the repayment plan I can't talk to anybody to tell them what's going on. I just feel like I am being pushed into debit.

Can some one really tell me what the ramifications of not being able to pay this debt is? I have no credit as far as I know, I have never owned a credit card or bought something with payments just because I was trying to avoid debt. Now I am not sure if it's worth it I could do a lot $458 and without the trouble of dealing with a broken banking system.

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scottsoward
Ogden, US
Mar 18, 2010 3:46 am EDT

i deposited a little under 26, 000 in us bank shortly there after i had a 6 month jail commitment, witch whent a full year, utah rules, and during that time unknowing to myself all the money gone, i was out when i found out so i started calling the bank, and they called the detective, so i had to prove that i was locked up and some other things witch i did, the bank manager is so nice helpfull, so i have a stack of papers like 3 in, tall all the afidavids an so on forms that took 2 differant nottarys to stamp so i could send this info to the liasion center, and i call an ask things, so the money was to be returned to me.as i was told the atm is the hardest to prove and that check would b the longest to get, well it came first 8010 dollars.i wait a week i call again, the checks have been sent, so i proved once again i didnt get the big check yet the one for the over drafts, cheacks, visa card, so now im mad i call, they im form me its my fault some lady and i wish i had got her name, so now im fumed i go to the main bank not so nice now, the manager hides in his office till i leave, i just want my money, so now 6 years later i still aint got the big check and i get told its to late, they make it out as my fault, what can i do

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bank stole $400 from me
Manchester, US
Aug 08, 2016 5:06 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I deposited $200.00 through ATM. This was my first time doing so. An envelope came out of the ATM and put 2- $100 dollor bill in and put it back to the machine.
I did not get a receipt. When I received the statement I discovered that it showed $200.00 withdraw. I lost $400.00. I contacted customer service and told me that
I do not have any proof and there is nothing they can do. I can not believe their answer. They should have records of all the ATM transactions.
I guess I have to contact Police Department. I want to see their proof of me withdrew money.

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alexandra01
West Dundee, US
Aug 08, 2016 5:06 am EDT

Dealt with mortgage specialist for refinancing at the Fox lake, Illinois branch and was given the run around since March of this year. She kept coming up with every excuse as to why it was taking so long at the underwriters and as of today, I am still waiting for approval. Very discouraged with this bank. Would not recommend this bank, because it seems that they do not want to help. They would rather have you not pay your mortgage and foreclose then to help you with refinancing.

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Gath
Owatonna, US
Jun 03, 2011 3:12 am EDT

Use WWW.helpwithmybank.gov. Easy to fill out form.

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KaiserVadin
Saint Louis, US
Dec 27, 2010 3:18 pm EST

They didn't know about the under $0 fees etc. its the banks fault because all employees there don't know what the F they are doing that includes the mangers

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adf
, US
Mar 26, 2009 8:27 pm EDT

I don't really see your point here. You spent more money than you had, and you think this is somehow the bank's fault? How would you feel if I borrowed $400 from you and then said I couldn't pay because I had an emergency in Reno and lost my job and became pregnant?

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US Bank illegal cash advance

I broke my leg and was in the hospital when my husband called me saying he was having problems getting money from an atm.. he had made 3 withdeaws at an atm i went online and found out that he had the wrong atm card. so i transferred 480.00 from the other acct we have to the account he had taken from. i did this immediately...now that was on a fri ..mon i called the bank. explained what happened to the bank manager jennifer at the st roberts, mo branch..she said ok she could remove the 6x 37.50 fee's but i would have to come in and sign a form requesting the removal..i explained again i just got out of hosp and couldnt drive. she was rude and said then the fee's would remain, i was able to get a neighbor to drive me an hour to the closest bank where jennifer faxed the form, i signed it filled it out explaining what happened and that us bank faxed it to the st roberts bank to jennifer the bank manager.. i didnt hear from her so i called her the next day. she said she would decided weather or not to remove the fee's and i would need to get money in there or have daily fee's accumulate. i explained to her i did not have funds to put in there as im not working ive broken my foot and going thru surgery. several days passed and i called her at this point she would not speak or return my calls this went on for a week i called the main office in st louis several times they said they called her and she would be calling me...she didnt meanwhile an 8.00 a day fee was incurring on that account. i called again and she told an emoployee craig to tell me to put money in there by taking a cash advance i told him no. i wouldnt be able to pay that back my boss has now fired me because of my broken foot.. jennifer told him to tell me to bad the fee's will continue i asked him to just close all 4 of my accounts. he said jennifer said no i needed to take an advance. the next day i went online and he did he took an advance of 330.00 from 1 account and deposited into the other..i called and asked to talk to jennifer but she refused my calls...i called st louis main office 4 days later she called 1mar.2009 i told her someone took an advance on my account and put in the other one. she said well that is cheaper than the 8.00 a day fee. i said i dont care i did not authorise craig to do that..she said oh well now i will close your other 3 accounts and when your tax check comes you can pay that off...i have banked at this bank since 1988 and have never in my 52 years of life been treated and lied to as i have with this bank manager jennifer from st roberts, missouri us bank.

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US Bank overdraft

So there is 600 dollars in my account and 5 pending transactions on Monday.

I rent a car on Wed. and they authorize for more than the available balance.

3 transactions go through Thursday and accrue 3 overdraft charges that amount to over 100 dollars in fees... even though the actual transactions occurred days before the car rental and even as I write this, there is enough money to cover them as the car rental and the other 2 pending transactions from before the car rental still have not cleared. In the end I anticipate that because the car rental was so cheap but they authorized for so much more than it actually costed, I'm going to have over 200 dollars in fees but my actual balance will never have actually gone into the negatives EVEN AFTER THE FEES.

So thats right, at the end of the day there is enough in my account to cover the actual transactions AND the fees that are apparently being charged because "there wasn't enough money" WITHOUT ever actually going into the negatives.

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US Bank overcharged

USBank allows banking customers to make debit card purchases, even if their account is in the negative. You can't assume that you are protected. They are happy to charge you $37.50 bounce charge for a $3.00 coffee purchase. You might have a deposit that is returned. They don't notify you of the situation for almost 7 working days. In the meantime, you continue to make debit card purchases, thinking that your account has funds. I didn't KNOW my account was in the negative. In the 7 days it took USBank to have the US Postal service deliver a notice to my mailbox, I made a total of 12 purchases. 12 x $37.50 in fees.

I called USBank and the Branch Manager agreed to put my account on hold until the problem could be resolved. He lied. My account continued to accrue Daily negative fees of $8.00. In fact, my account was set up to transfer $50 from my checking account to my savings account every month on the 15th. USBank processed this transaction...$50 from my NEGATIVE checking account into my savings account. They then proceeded to charge $37.50 for the transaction. When my deposit was returned to the bank, it caused my account to go into the negative. They assessed a $19 returned check fee. THEN they charged a $37.50 bounce fee on the $19 returned check fee. THEN they charge an $8 per day negative balance fee on top of the $27.50 plus $19.00.

I asked the branch manager to provide the written policy that allows them to charge fees on fees on top of fees. He told me providing that information was 'not in his job description'.

If you look at your account online, you may see that they are bouncing checks even when you show a POSITIVE balance. I asked why they were doing this. I was told I didn't KNOW HOW TO USE MY TOOLS. You have to double click on the balance to discover the REAL balance, which is almost always less than the balance they are showing on the register. There is no way to figure out HOW they come up with that number.

This is FRAUD plain and simple and it needs to be reigned in! These people are crooks and the people that continue to work for them should be ashamed of themselves.

Banking customers are human beings. They have families. They are drawn to USBank because USBank advertises 'FREE' checking. THEN...they institute policies that are hidden, like the ones described above. Oh yeah...they might put them in the fine print. They insisted to me that they explain them in detail when you open your account. THEY DO NOT. It is theft. It is fraud. It is preying on the low income, pay check to pay check community and it needs to be ended.

I hear all this complaining about the interest rates charged at check cashing stores. That's NOTHING! This most recent fiasco resulted in fees that, when totaled and annualized, came to 8, 076% annual interest.

In this time of economic difficulty EVERYWHERE, we should all be VERY selective about who gets to control our money. USBank is made up of thieves. BEWARE. BOYCOTT this bank. Head for a credit union. These days you don't have to be an employee to join them. Their focus is not so much on profit as it is on service.

Pull you money out of USBank and any other institution that preys on the little guy.

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KaiserVadin
Saint Louis, US
Dec 27, 2010 3:23 pm EST

I am thinking of keeping my green dot card and when i can buy a safe and put my money in there its way safer then trusting a 3rd party to hold your money ...

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KaiserVadin
Saint Louis, US
Mar 15, 2010 1:07 pm EDT

I think they can't do this anymore under the new law BUT APR fees will be higher !

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US Bank fraud and cheating

My son was given permission while I was in the hospital to use my check card to by some groceries. Due to a mis-calculation which was my fault there was an overdraft on my personal account of 11.61. I am registered for alerts however; they never get to me until the next day or within 3 days.

So US Bank is charging me 35.00 for the overdraft, that's to be expected; here is the kicker, the personal account is also connected to my credit card account with US Bank, which resulted in the bank taking my last 9.00 out to put towards the overdraft. This means since there is a 10.00-dollar charge for that transaction and there was only 9.00 in the credit card account I am now being charged an additional over limit fee of 39.00.

That's a total of 35.00 + 39.00 + 2.50 = 76.00 for an 11.61 overdraft, no wonder US Bank does not need a bail out at this time it rips off the customer, nice.

All I can do is pay it though; however, once my relatives including my son who has accounts' with US Bank found this out they all are closing their accounts as I will within the month.

These fees along with fees charged by other financial institutions are too much considering the fact we are bailing out a lot of them with taxpayer funds.

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Hendrix
, US
Jan 20, 2009 5:00 am EST

I opened a 'free' cking account with US Bank early this year. In April, I DID make a small error, which I admit, and my ck, acct was overdrawn by approx. $40, however, I was not aware of that fact for a week, and sent out several small checks (less than $20/ea.) US Bank charged me $35 for the 'mistaken' ck, then charged me $35 for all the small charges and cks, one was for $3!. When I brought my payck to deposit, and receive money back for food, etc. the teller said I was now overdrawn by $175.00, and could not receive money back. All attempts to talk common sense to the Branch manager was like talking to a brick wall, they wanted the 175 PLUS $7 day. I explained that I realized I made an error, and was willing to pay the $35, but not for the other very small cks, which the bank put through AFTER the larger one, so that they could collect fat fees, all with a $35 fee . Several E-Mails and phone calls resulted in nothing, now US Bank has turned my acct over to a collection agency, with a price tag of $685! This from an original overdraft of only $40! DO NOT deal with US Bank!

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VonBrumm
Rocky River, US
Jan 27, 2011 10:17 pm EST

Your fault..admitted...your credit card was ok by u to use as overdraft protection. How is this the banks fault?

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US Bank overcharged

I received overdraft charges (4 of them) on my account and I called to question them about it because according to the on-line account there was money in the account.

When I called the bank to talk with them about it, the first person pushed me off to someone else since she was already helping someone and this person was very abrupt and rude when trying to address this problem.

He tried to explain to me that the overcharges occur because of a transaction after 9 pm on the fourteen of december, even though my account balance showing on line was sufficient to cover the amount I purchased. I had a direct deposit that went in the morning of the next day, yet the overdraft charges were posted for the 16th of december. When I brought this to his attention, he said they were pending on the fourtenth. If that is the case, why didn't they show up on my account as such.

They have a sign that says all transaction after 3p will be posted to the next day, yet when I asked him about that he said it only applied to only in-bank transactions. Is this not falsely misleading the public.

Also, if the charges that I am being charged overdrafts for are listed on the 16th how can they legally charge me overdrafts saying they were cleared on the 14th? What kind of business are they running.

I will be pulling my business from there and looking else where. This is some scam they got running.

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Joberrty
, US
Jan 28, 2010 2:21 pm EST

US Bank rips off their account holders. Avoid US Bank.

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gregory pasrrott
Berea, US
Nov 04, 2009 11:46 am EST

Us bank raised my interest rate 1000% for NO reason ! anyone know how to get help with this ?

Valerie
Valerie
, US
Nov 24, 2008 9:04 am EST

Unfortunately after several incidents and several hundred dollars of overdraft fees, I have figured out US Bank's strategy of misleading their customers in order to collect an ungodly amount of fees. I recently deposited a $400 check into our account due to the fact that the same problem I'm about to report occurred and we were charged over $300 in overdraft fees. So, after depositing the $400, I went online and noticed that at the top of the online statement, there was a note indicating that $300 was being held pending clearance of the deposited check.

HOWEVER, approximately 24-48 hours later, that note disappeared and my Available Balance was showing about $196. Additionally my husband called to check the Available Balance and was also given the $196 figure. Naturally, one would assume that Available Balance would mean those funds are available for use, and by their own definition listed on the website, 'This balance lists the funds in your account that are available for withdrawal. This is the Account Balance minus deposited funds being held or check card authorizations outstanding.' Note it says MINUS deposited funds being held. This actually is not the case - when I clicked on the blue hyper-link provided on the online statement, I was shown that the $300 is still considered unavailable funds and our Available Balance is actually negative $103.

If we didn't have access to the Internet in order to find that out, and went solely on the information given when my husband called in to check our balance, we would have been charged overdraft fees on any purchases we made. That is how we got all the overdraft fees to begin with - another deposit was made previously and because the Available Balance showed the entire deposit was available, we were naive enough to believe it and spent money that apparently wasn't really available... even though they told us it was.

This practice is unconscionable, underhanded and downright dishonest. Why list funds as available when they aren't? Overdraft fees... period. In the meantime, because those funds aren't available yet and we're still in a negative balance, I actually had to borrow some of my daughter's birthday money in order to get some gas and groceries! We live paycheck-to-paycheck and the bank is slowly milking us to the point of having to borrow money from my father and my 11-year old daughter just to get by.

I would be interested to hear comments or other incidents of this occurring.

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Cindy
, US
Dec 30, 2008 6:15 am EST

5 years ago I had a checking account with US Bank. I had a couple of checks bounce because of a fraudulent charge that was posted to my account. The bank determined that it was fraud and credited my account the money back, which was around a hundred dollars. Mean while I accured a bounced check fee for each check that had bounced, including the one for the fraudulent charge. This added up to around $100.00. I asked the bank if they were going to remove those charges as well, because they were caused as a result of the fraud. They said No, and would not even remove the one overdraft fee that was a direct result of the fraud.

I closed the account because I felt that this was not right and refused to pay the balance. It finally got sent to the first creditor and they said that I owned $691.00! They said that it was because USBank was charging $8.00 per day, each day the account was overdrawn. This was news to me, and I at no time remember that being explained to me during the time I signed up for the account, because I know I would have walked out on the spot, that's just crazy.

It got sent to creditor after creditor and I would tell them the story and let them know that I was refusing to pay it. This may not have been the smartest thing to do, but all the same that's what I did. That was until yesterday morning when I received a call from a 'law office, informing me that I owed them $2, 690.00! For A Bounded Check! They said the other fees were interest and 'other fees'. What Ever that meant. I explained it to them again - to no avail, but they did say that they spoke with the bank and could offer $1, 200.00, I finally, after fighting with them got it down to the $691.00. that it was originally. Albiet it was only about $100.00, to begin with. I paid half and am scheduled for another half in January.

The only reason I paid this was because they said that I could not take it to court. That they would freeze my current account, take out any money they could to pay towards the 2, 690.00 balance, and if they needed more they would attach my wages.

This seems wrong on so many levels, 1st the bank, but then the 'law office' doing the collection. It's just wrong, and I wounder how either one can get away with it, it's wrong.

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Melvin
, US
Dec 30, 2008 7:04 am EST

We got a statement at the end of may that said we were overdrawn by $81. I deposited a couple of misc. checks I have received for refunds and such, and thought that it at least cut it in half, and we could pay the rest off in a few days. I get another statement in the mail - and it is up to $257+ dollars that we are in the hole! We don't even use this account for anything. I look at the statement, and it is nothing but $8 fee added each and everyday that we were overdrawn that $40. We were never told that when we opened the account that this was something that would happen if we were overdrawn.

There is no way we can pay that off now! We live paycheck by paycheck, and just barely make our bills, now this bank is charging us each day it is overdrawn! I wonder who else this has happened to. We won't ever pay this because it is outrageous and, i would believe - it should be illegal! No other bank I know of does this. It's a wonder this bank stays in operation. Has anyone ever sued this bank and won? I wonder. Who ever reads this, do not - for any reason - get any type of account at US Bank. They are the biggest 'legal' scam there is!

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Collin
, US
Jan 09, 2009 5:56 am EST

US Bank charges $37.50 for every check paid (or returned) as an overdraft fee. I talked with them on the phone to complain and they said this is what it costs them to process the check or payment. It is done automatically by computer so I think I want to be a computer since I don't have to think and will get paid enormous amounts of money. When I complained that I have made a deposit on the same that that they charged me an overdraft fee, I was told that deposits are posted after 5:00 pm and only $100 is made available until final posting at midnight. Any check/debit that comes in before midnight will be charged an overdraft if there is not enough available in the account to pay it. So if you deposit $1, 000, only $100 is available until midnight. If a check/debit come in before midnight for $300, they will pay it but charge an overdraft fee based soley on the funds AVAILABLE in your account. If you deposit cash OR have an electronic deposit, the money 'may' be posted immediately (or - it may not). I think this is criminal of them to 'pay' debits BEFORE a deposit is credited. They don't even explain this when using the internet banking system. They have such misleading and not understandable accounting that you just can't tel how much money you truly have in your account at any one time (by line item). In today's economy, this can be a lot of money, especially if they charge you 3 or 4 times in one day. Is this today's greedy and corrupt world of finance and banking? Or just another way the a bank to make a fortune off their loyal customers? RIP OFF!

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Arthur
, US
Feb 19, 2009 12:32 pm EST

About 3 months ago I started making a good deal of transactions between my bank, pay pal, and various other sources. A couple slight errors were made but were quickly fixed with a simple phone call, and a little conversation. The bigger problem started a month ago.

I had sent $45, to my pay pal, to purchase some items for resell. The money never went to pay pal, instead seemingly vanished. The same evening, I used my bank card for another online transaction for $8, and a second for $5. Over the next couple of days, the payments were authorizing, which I was used to when checking my online account. I also keep a bank record of my own, but I enjoy the convenience of knowing when my payments went through so that I can anticipate my packages arrival date.

About a week later, I had received no shipping confirmation, and emailed the companies I made my purchases from to make sure the order had not been canceled by mistake. Both companies informed me that they had not received the money from my bank, and thus assumed I had not sent payment yet.

I called the bank the next day, and they told me that they did not send the money. I was confused because it was taken out of my account which they clarified themselves. They said they would correct it and I was content for the moment.

I checked my account online again the next day, and noticed that I had been overdrawn, and couldn't understand why. I again called, and they explained they mistakenly took the money out of my account, and sent it again. Only they couldn't figure out where they put it, and it appeared that it had just been deleted. They said they would put the money back, send the original sum to the companies it needed to go to, and wave the overdraft fee. Fair enough, I let the bank do their job, and hoped for the best.

I received an email from one of the companies a few days later, stating they still had not received payment. Once again I made a call to the bank, this time I received the same amount of help I would have gotten from from a fallen tree gathering moss. I asked her if the funds could be put back into my account, since it was never sent to the destination at hand, and simply taken out of my account. She told me no, and I quote 'we do not make practices of reimbursing funds, and it is not our affair.'

I went to the main branch to close out my account, with a little over $7 in it, since they did not put all the money back that they said they would. They then informed me that they had frozen my account, and I could still close it out for a fee of $25, plus the overdraft fees, that 'THEY' caused.

So now I have paid twice for things I will never get, and no one is the wiser of exactly where the money ended up, and I have a bank account that I can't use.

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Marcus
, US
Mar 01, 2009 10:41 am EST

My employer had issues with direct depositing my paycheck (this was the first time in 1.5 years) so I had a check which I deposited in my account on Feb 12th. This posted to my account on Feb 13th. Well I made a pin based transaction at 12:07am on Feb 14th. I checked my account throughout the weekend and all was okay.

On the 17th I had an overdraft charge of $37.50 so I called their 800 number and got a woman on the phone who could never tell my why my available balance was less than it should have been and she was very rude and would have been fired if she worked for me. I decided at this time that I was going to close my account down. I then called back and got a gentleman (who was much more pleasant than the first lady) and he told me that the reason that I had an overdraft was because of the transaction that had occurred on Saturday morning.

Not understanding why they would charge me for a Saturday transaction when my check cleared on Friday I tried to get it from him and his response was that I had already called and spoken with somebody about this and that they had put a note on the account that it couldn't be removed so there was nothing that he could do.

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Melissa
, US
Mar 05, 2009 1:17 pm EST

I need to get this out in the open about how US bank is ripping off hard working people like me. I have been a US bank customer about 12 years and they have ripped me off for the last time. Last Thursday I checked my account online for the balance and it showed $-7.00 dollars because of three transaction from earlier in the week so on Friday I went into the bank and deposited $20.00 to stay current.

While in the bank I asked the teller if I would be okay and not get any overdraft fees and she stated that my account was not charge yet for the $-7.00 or for the three other transactions and I would be fine because I deposited $20.00 dollars and I had a balance of $13.00 that would cover the three transactions showing.

I then checked my online account saturday and there was two more charges from earlier in the week, I ran to the bank and deposited $110 check and then $170.00 cash by the ATM. My account showed the deposits and it looked like I was in the positive but it already showed three overdraft fees of $35.00 each. On Monday I looked at my account and it showed two more overdraft fee of $35.00 even with the deposits. Then came Tuesday and I was charged two more overdrafts of $37.50 plus a negative change of $24.00 total ripp off of $274.00.

I am going to my credit union because when you use your debit card the money comes out of your account immediate not four days later. Stay away from US bank they are scheming on hard working people who live paycheck to paycheck.

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Victoria
, US
Apr 24, 2009 10:20 am EDT

I received overdraft charges ( 4 of them )on my account and I called to question them about it because according to the on-line account there was money in the account.

When I called the bank to talk with them about it, the first person pushed me off to someone else since she was already helping someone and this person was very abrupt and rude when trying to address this problem.

He tried to explain to me that the overcharges occur because of a transaction after 9 pm on the fourteen of december, even though my account balance showing on line was sufficient to cover the amount I purchased. I had a direct deposit that went in the morning of the next day, yet the overdraft charges were posted for the 16th of december. When I brought this to his attention, he said they were pending on the fourteenth. If that is the case, why didn't they show up on my account as such.

They have a sign that says all transaction after 3p will be posted to the next day, yet when I asked him about that he said it only applied to only in-bank transactions. Is this not falsely misleading the public.

Also, if the charges that I am being charged overdrafts for are listed on the 16th how can they legally charge me overdrafts saying they were cleared on the 14th? What kind of business are they running.

I will be pulling my business from there and looking else where. This is some scam they got running.

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US Bank cancel extended credit under false pretense to get higher % on interest rate

I have always had excellent credit with US BANK and I constantly have my limit raised to reward my perfect credit
I previously had a credit limit of $8000 in 2007 - took out a no balance transfer fee loan at 0% and paid it off prior to the loan expiring

Then at mid 2008 I was offered a 1.99 % loan (no balance transfer fee) for 9 months - expiring NOV 2008 to take out the last loan for another 9 months

I again always paid my bills on time and was a perfect credit risk
In fact during the US BANK extending me credit my credit limit was even RAISED to 11, 500 because of my perfect credit (and after I already indulged in taking a $[protected] loan at 1.99 % for 9 months

In NOV I intended to take out the additional balance of credit extended to me while paying off the first loan for 1.99 (for 9 months that was expiring soon )
However, when I attempted to take the balance of the credit extended to me I was told it was no longer available .
US BANK had taken away this verbal agreement without so much as a written letter of explaination !
I had to take a loan from another credit card company
THe credit was taken away with NO VALID REASON (in fact other credit cards extended my credit limit and I just paid off a $2000 balance to WM
Now I am charged 11.99 % by us bank and I refuse to pay it for at least another 9 months -

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clint.
greenbay, US
Jun 01, 2010 1:38 pm EDT

its likely in the fine print where they can do it

so they did

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US Bank fraud and cheating

There are a lo of reports about these ### here. They tried their scam on me and I am going to get even. These calls originate out of India. They have bought US numbers from RNK telecom and route the calls over the internet. I have been working with RNK to get all known numbers shut down. AS of the last two days I have successfully shut down ten of thier numbers. They know I am doing this to them and they are furious. They call me night and day with threats. I wil not stop until they are destroyed. If you have any known phone number for them, please respond with it so I can get it disconnected.

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Webster Cole
Texarkana, US
Jul 10, 2015 1:08 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

a heavy accented Indian called himself Dave Maxwell called and offered me $5000. and wanted me to get a money gram from Wal Mart. I did not do it as I realized this is a SCAM. His number is [protected]. He also claimed to be from US National Bank and gave me another number which is [protected]. I know this is a fraud and I will not deal with them.

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mommy06
Bates City, US
Jul 13, 2009 7:15 pm EDT

here are some numbers that i have for them as well. After i googled them

[protected]
[protected]
[protected]
[protected]

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hotdoggy
, US
Jan 13, 2009 11:19 am EST

These people call me 7-10 times per day insisting I owe a debt I do not owe, from a bank account I never even had! They harass me, and call my employers as well. They threaten arrest and all kinds of things.

Here are the numbers I have for them:

[protected] ext 1041
[protected]
[protected]
[protected]
[protected]
[protected]

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US Bank collection agency harassing me, posing as federal agents

This agency calls me repeatedly, 10-15 times in a row, before 7:30 AM most morning. On 12-15-2008 I received a call at my office. The individual, a male with a foreign accent, left a message on my voicemail (which I saved) reciting my full name, full address, and full SSN. Then he went on to identify himself as "Officer Shawn Baker" of the "United States Crime Suspect Department." He said I needed to contact him regarding a "very serious and time sensitive matter" and that I should "call back as soon as possible before something happens to you." "if you fail to return this call, I don't know what will happen to you, and you may be facing some shocking surprises and consequences at your job or home. Give me a call back or else only God can help you. Goodbye." He left this number: [protected] ext 1041

Then on 12-16-2008 they called me again and I mistakenly answered the phone. Same person with heavy Indian accent, identifying himself as the "Chief Investigator" and telling me that if I do not pay them $330 today, then they will "freeze my social security number" and I will no longer be able to work within the US. Also telling me that the Attorney General is preparing to file federal fraud charges on me if I do not pay immediately.

I requested information regarding the debt and they would not tell me what it was for. They said it was for a loan that was deposited into a Bank of America account. I've never had an account - EVER - with Bank of America. I told them I would have to see mailed copies of all documents supporting this debt, they said this was not possible and refused to send them. I asked them for this multiple times and was told that I "already had the documents when I took the loan" and that it was not possible to get any validation. I said thank you, and hung up on the loser.

Here are the phone #s they gave: [protected] ext 1041, [protected].

I have filed reports wtih the Attorney General's office (Texas) and the FTC - but what else can I do to stop these idiots from calling me?

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Update by hotdoggy
Jan 13, 2009 11:15 am EST

They are still calling and leaving the same scripted messages about my being arrested and etc. They called again today, [protected], 7 times, to my place of employment. I hung up on "Officer Shawn Baker." He called back immediately and asked to speak to Human Resources. Fortunately our receptionist caught on and put the call to me. Thinking I was HR person, he went on to discuss the debt in detail, and stated that I had used the company's name and information in order to borrow money illegally, and that I would now be arrested on 4 federal charges. He also stated that they would send agents to my employer and create a "big public scandal" with the company's name if I did not pay. I have contacted the Attorney General, local Sheriff & Police Departments, FBI, FTC, Interpol... I don't know what else to do. I refuse to pay these idiots for some BS scam debt I do not owe - but now they are threatening my JOB. I cannot have these freaks calling my supervisors and telling them these lies!

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Laurie
Haslet, US
Dec 17, 2008 3:16 pm EST
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THEY ARE HUGE SCAM - EVERYTHING THEY SAY IS ILLEGAL AND IS DESIGNED TO SCARE YOU INTO PAYING WHAT YOU DO NOT OWE

Don't let them get you -
News article about them - offer to send it to them
http://abcnews.go.com/Business/story?id=5621205&page=1

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US Bank awful bank

Us bank is awful! I have never had a bank rip me off like this! They put undetermined hold on checks (Even pay checks and government checks!) and seem to wait until checks written against the deposit start coming in and then automatically apply insufficient funds charges against them! (Over and over again!) if you use your debit card it should tell you when your balance is beyond the amount of money in the account, but the charge is put through and then the fun begins!

They will hit you over and over and over again with huge fees, then charge for a negative balance fee (Over and over!)! One month I had over $300.00 nsf fees and neg. Balance fees. The next month I had over $200.00 in fees! The bank also charges me overdraft fees even when they return the check! Doesn't overdraft mean they paid for the check? Well they didn't! They bounced the check, charged me nsf fees, over draft fees (Yet didn't pay the check!), then with a huge negative balance, the bank kept trying to put the previously bounced checks through, over and over, generating more and more fees!

Then they charged me fees for having a negative balance! I told them I wanted to close my account and they said I couldn't close it while I 'owed them' money! It is a nightmare situation! I hate us bank! I urge everyone to sue us bank in small claims court, and call your government representative! Banks get a bailout, yet we the middle class eat it, because we don't matter! Stop this madness!

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Jennifer
, US
Dec 12, 2008 7:35 am EST

Unfortunately after several incidents and several hundred dollars of overdraft fees, I have figured out US Bank's strategy of misleading their customers in order to collect an ungodly amount of fees. I recently deposited a $400 check into our account due to the fact that the same problem I'm about to report occurred and we were charged over $300 in overdraft fees. So, after depositing the $400, I went online and noticed that at the top of the online statement, there was a note indicating that $300 was being held pending clearance of the deposited check.

HOWEVER, approximately 24-48 hours later, that note disappeared and my Available Balance was showing about $196. Additionally my husband called to check the Available Balance and was also given the $196 figure. Naturally, one would assume that Available Balance would mean those funds are available for use, and by their own definition listed on the website, 'This balance lists the funds in your account that are available for withdrawal. This is the Account Balance minus deposited funds being held or check card authorizations outstanding.' Note it says MINUS deposited funds being held. This actually is not the case - when I clicked on the blue hyper-link provided on the online statement, I was shown that the $300 is still considered unavailable funds and our Available Balance is actually negative $103.

If we didn't have access to the Internet in order to find that out, and went solely on the information given when my husband called in to check our balance, we would have been charged overdraft fees on any purchases we made. That is how we got all the overdraft fees to begin with - another deposit was made previously and because the Available Balance showed the entire deposit was available, we were naive enough to believe it and spent money that apparently wasn't really available...even though they told us it was.

This practice is unconscionable, underhanded and downright dishonest. Why list funds as available when they aren't? Overdraft fees...period. In the meantime, because those funds aren't available yet and we're still in a negative balance, I actually had to borrow some of my daughter's birthday money in order to get some gas and groceries! We live paycheck-to-paycheck and the bank is slowly milking us to the point of having to borrow money from my father and my 11-year old daughter just to get by.

I would be interested to hear comments or other incidents of this occurring.

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Rick
, US
Feb 19, 2009 12:34 pm EST

I don't know about the rest of America, but US BANK to me is a CROOKED BANK. Not only did they boast of being 0ne of Two banks that made a profit in 2008, they took billions of dollars in taxpayers money to pad their pockets.

Here is the CROOKED PART they adjust their computerized bank records to STIFF their CUSTOMERS.

Just last night my wife was out and checked her balance at an ATM, it said she had enough money for a moderate withdrawal. When she got home later she went on line to validate her balance and check how much she need to deposit to bring her account back to where it was.

I went to a US BANK branch at 9:00 AM and made a cash deposit for her.

When I got home she checked her balance on line again as she always does and just like clock work, US BANK changed her balance records putting the last nights withdrawal five down, before the other withdrawals previously taken out, and then proceeded to put her in negative status for the prior withdrawals.

Four charges of $37.50 for each transaction = $150.00 in US BANK charges.

To me this is manipulation of bank records and theft by deception of CUSTOMER CASH.

I want to see more reports posted on the site and I will look from time to time to see the response.

My God are there any HONEST business people in AMERICAN BUSINESS ?

These CROOKS - US BANK show be PROSECUTED !

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Seymoore
, US
Apr 19, 2009 6:46 am EDT

My father died in September of 2008. After making a total of NINE trips to US Bank Magnolia Branch in Seattle, and spending a total of more than eight hours over a period of six months talking to US Bank employees about this in person and on the phone, I have been unsuccessful in getting US Bank to roll my late father's US Bank IRA account into the US Bank estate account I set up to manage the funds of my late father's estate.

I have provided proof of my identity (drivers license); my social security number; the tax ID number of my late father's estate; court documents appointing me as the Personal Representative of my late father's estate, and as the sole Trustee of the family trust my parents established in the early 1990s (in the name of which the IRA is registered), provided a copy of the signed, notarized family trust document (twice! because the bank staff LOST the first copy I gave them), and WAITED months for US Bank to 'review' the trust document.

At no time has any US Bank employee been able to explain to me the reason for the long delay in taking care of this simple request to consolidate my late father's accounts. Probate is almost done, and I urgently need to get this matter resolved, but the employees of US Bank who I have dealt with at two different branches (the other branch is in downtown Seattle) continue to steadfastly REFUSE to carry out my request to close the IRA account and transfer the funds into the estate account. I must close this IRA account not only in order to carry out my fiduciary responsibilities as Personal Representative of the estate and Trustee of the family trust, but also to comply with IRS requirements to withdraw funds from the IRA.

If you're thinking about setting up an account with a commercial bank, PLEASE DO NOT OPEN AN ACCOUNT WITH US BANK! If you do, you run the risk of experiencing the worst customer service that you will ever have to face in your life! I have been treated far more respect with banks in third world countries where I have conducted transactions than I have by the employees of US Bank in Seattle.

At this point, I feel that I have no recourse left other than to file a complaint with the Washington State Attorney General or lawyer up.

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usbank is awfullll
Haskell, US
Jan 24, 2013 4:27 pm EST
Verified customer This comment was posted by a verified customer. Learn more

this should be illegal... someone close them down!

I used USBANK.com bill pay service for the second time ever...I paid my electric bill on the Jan 15, 2013 and they said it will go thru and pay entergy by the 18th..on the 20th entergy says they are going to cut off so I have to pay again.. thinkin i did bill pay wrong ..since they dont send you confirmation emails..., Usbank finally paid it on the 22nd which caused me an overdraft. Talked to one lady she said get entergy to put money back in the account and she would waive my fee.. after an hour entergy agreed.. called usbank..waited on hold 15 minutes and the second lady refused... there is never a manager to talk to .. I then call one more time tell the guy the story and the whole time I talk hes laughing... they still refuse to take off my overdraft fee that they caused and they are charging me!... It took them 9 days for the bill to go thru.. when i was promised 3 on their website.. If they had it written on the site.. which you can see on their site that it takes 3 days to go thru.. if they didnt do that, how can they charge me when i had to pay twice? They didnt do what they said they would do. Had I known it wouldnt go thru on the 18th like they said, I would have paid another way.

A few months ago a company that says USBANK gave them my info tried to sell me something over the phone... I refused it and still got fees on my account and never even asked or said they could use my account to take my money...never gave them my info even.. Why is USBANK giving away my info... it let people steal from me... thru my USBANK account.

A few months ago I paid all my bills over the phone via debit card except for one... I used the bill pay on USBANK.com.. then get a fraud alert the same day. Why am I using my account information for the first time with USBANK then getting fraud ?.. how secure is their system? Well, they cut off my debit card and I racked up a little over a hundred in bounced fees from all my utility companies. They didnt even notify me they closed down my debit card.. I find out days later when get rejected in public like I had no money..This company could care less about all the fees I racked up.

I feel like these people are purposely making mistakes to take our money. We can't fight it.. they just take it.

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Help with Banking
N/A, US
Jun 14, 2011 1:22 am EDT

The main thing I can tell ppl with banking is...keep a register of your purchases. Do not rely on online banking, the ATM balance, the teller balance or the automated balance...even the customer service reps balance. None of those can tell what's outstanding...just what posts to the account. Empower yourself and learn how banking works. Bankers are more than happy to help you with that...if someone isn't...get a manager. And remember...always be nice to who is helping you.

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dissatisfied_again
Denver, US
May 24, 2011 7:25 pm EDT

Missed a payment because we didn't get a bill or a statement. Within a week we were sent to collections and was told they could do that because they can. We're pulling our loan with them. Lousy customer service, they won't help and the only help they offered was a phone number with no one on the other end. Your choice is to leave a message and they will call you back. Seems the people in the office were clueless on how to help. I heard they were immoral and I didn't want to bank with them, but my wife insisted and opened an account.

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Need Legal Advice
Pasadena, US
Mar 04, 2011 12:33 am EST

I had them deposit my check and back it back out too after accepting these checks for seven months and never having an issue.

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MelissaKay
, US
Jun 16, 2010 3:05 am EDT

Tomorrow I am going to USB to try an get my money back for the fees that were their fult in my oppinion. I opened up a checking account and a savings account when I opened it I asked if they had the same option as my old bank where if u go over a little on ur checking that it will pull from your savings so u won't get the crazy overdraft charges. The guy told me they did have it and I guess it is called overdraft protection. I told him I deffinatly want that because some times I go a little over and it would suck to get a $35 fee for being over a few bucks. I knew I only had 250 in my checking and my car payment was$235 which left me with $15 so I got $15 in gas but it made me debit it for some reason... I also went inside the gasstation and got a drink... I knew I was gonna be a couple bucks over but I knew it would pull it from my savings... 3 days later I transferd $40 from mysavings to checking because I knew my tanning package was going to be takin out it was only $30 so I knew it would cover that plus the drink I bought... WELL I checked my account online and it was a mess! Apparently the guy DID NOT set my account up with overdraft protection so my car payment came out and the gas but sence It made me use debit at the pump it charged me a separet charge for 25 cents+ the $1.50 drink both had $35 overdraft charges and when I put the 40 in to cover the tanning it was so negative that it didn't matter so I got another 35 fee for the tanning and other stuff I bought it was also charging me $8 everyday on each $35 charge and it brought the grand total to $455... I called the 1800 number and the guy on the phonevtold me he couldn't do as much for me as the branch I had opend the account at and I should go there and they will fix everything and refund my money... Then he asked if I wanted him to transfer som money over to my checking so I don't get hit with the $8 fees everyday... I said only if they can give me my money back they messed up otherwise I'll just with draw all my money from my savings and take it elsewhere and bank... He told me that would be able to do that for me at my branch so I transferd 500 bucks... I called the branch I opened my account at and the lady on the phone said she could probly get me back $75 of it and she said she could fix my account to have the overdraft protection on it... WHICH I ASKED FOR WHEN I OPENED IT! I told her that was not acceptible... She said her boss wasn't in and he was the only one that could authorise to put it all back and she would call me back... That was 2 days ago.

On top of all that I went over on my account transfers because of all this bull [censor] so I got hit
with a fee of $75... So I hope they give me my money back... After reading everyone elses posts Im not feeling very good about it .

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DesignZombie
Portland, US
Apr 13, 2010 1:35 pm EDT

I recently opened a US Bank account and encountered my first "pledge." I deposited a payroll check (issued by another US Bank account) via ATM. 24 hours later my funds had gone from 10% available to frozen. Any purchases I made with debit card showed up as insufficient funds. After 3 phone calls and a trip to the branch, I am now being told that because my account is new, the deposit was larger than my average deposit my account was flagged by the fraud department and froze for 7 days pending verification of funds. Because I chose to bank via the ATM (which is another division) US Bank is unable to verify my funds or even the checks origin until the check has been scanned so I have no access to my funds for at least another 24 hours.

Should I choose to close my account once this is resolved I will incur penalties.

My credit union uses ATM's which scan the checks on deposit and prints a copy on your receipt, why a larger national bank like US Bank does not use this same technology is beyond me. My only assumption is that they would lose money on penalties customers incur during situations such as mine.

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MelodySSF
SSF, US
Oct 21, 2009 2:41 pm EDT

I have used this bank for a while now and they are worse than my previous bank, WellsFargo, with these damn BS overdraft fee's. And I don't know why they even have a customer service department because every time I call they don't know themselves how to explain these stupid situations they create.

For instance today, I call US Bank, I deposited $1, 600.00 then I look on my online banking and it says -$435.00! I call there customer support ASAP and they said there was a "pledge" on my check. When I asked what that was the guy didn't even know what it was himself, then directed me to the branch that put that "pledge" on my check and now there going call me back. Now I'm sitting here super pissed off, with no $ and tons of over drafts. How do they get away with this stuff?!? And I'm sure I am going to have to pull teeth to get my over draft fees back, can't wait cause yelling at those idiots would feel good right about now.

I am taking my $ out of that bank as soon as this is resolved. This is ridiculous.

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10:27 pm EST

US Bank overdraft charges

My Family and I am a new account holder in US Bank, for past month each of my family and I have been charged overdraft for at least twice. The bank system is so confusing that in one day your account shows positive balance and in matter of a day it shows negative balance. I am sure you are thinking that we are not managing our account correctly, but this is not the case, US Bank is a professional trained thief, they will live of the overdraft charges. This Bank is stealing your money without any mercy. Shame on us that we put our trust and money in the hands of this crooks. The US bank charge my 14 years old son account $120.00 overdraft fees for the negative account of $1.95.US bank customer service, including branch Manager, District Manager were no help. They told us we can not close the accounts at least for six months; if we do, we will be subject to pay early closing fee up to $250.00. US bank is sucks...US bank is surviving of the overdraft fees and Shame on all of us that we let this bank to take our hard working money and could nothing about it

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Valerie
, US
Jun 13, 2008 5:15 am EDT

First I will say that I have had my account with US Bank for 1.5 years and never overdrew my account. I made my deposit on a Saturday. Us Bank lets you have $100.00 of your deposit for immediate use. I made 6 very small purchases totaling $60.00. These should have been paid. I made the mistake of paying my Comcast bill on Sunday (the bank didn't release the balance of my deposit until Tuesday) for $150.00... this WAS my mistake, however, when these hit the bank they paid Comcast first so that they could charge me $35.00 for each transaction. These charges totaled $245.00. My grandson and I live below poverty level... this lost is devastating for us. I called the bank and they would credit me back only $80.00. When I E-mailed the main office and they told me that it is their right to post largest to smallest and yet they claim that they are not doing it in the banks interest... MY B**T! If they were a moral business they would not do it that way. The proper way would be to post smallest to largest. I will be changing banks as soon as I get my next check. I urge everyone to avoid US Bank and transfer your accounts to another bank before this happens to you.

Also, that policy of holding the rest of the deposit until the next morning is bunk because that still doesn't give them time to find out if the check you deposited is good... that takes at least a week. There is absolutely NO reason for them to hold your money overnight.

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Malinda Worner
Bellville, US
Apr 26, 2009 8:37 pm EDT

MY HUSBAND AND I HAVE BEEN WITH US BANK FOR AT LEAST 40 YEARS. MY HUSBAND PASSED AWAY FOUR YEARS AGO. I HAVE KEPT ALOT OF MONEY INTO MY ACCOUNTS PRETTY GOOD SINCE HE PASSED. BUT RECENTLY I HAVE A PROBLEM WITH MY ACCOUNTS. I AM LIKE EVERYONE ELSE HAVE TOO MANY DEBTS. I HAVE TRIED NOT TO I SWITCHED JOBS 10 MONTHS AGO AND NOW GET PAID EVERY TWO WEEKS WHERE AS BEFORE EVERY WEEK. AND I AM AT FAULT BEING OVER DRAWN AND GETTING OVERDRAFT CHARGES. BUT RIGHT NOW I AM VERY OVER DRAWN BECAUSE OF THE CHARGES. I HAVE HAD OVER 2, 000.00 IN OVERDRAFT CHARGES SINCE THE FIRST OF THE YEAR. I AM SORRY HOW DO THEY EXPECT ME TO TRY TO KEEP MY HOME. SINCE I LOST MY HUSBAND I REALLY DO NOT WANT TO LOOSE MY HOME. AND AS SOON AS I CAN GET CLEARED UP I AM LEAVING THIS BANK. I HAVE ALOT OF MONEY THAT WILL BE COMING IN WITHIN THE NEXT SIX MONTHSAND IT WILL NOT BE GOING TO US BANK. PLEASE IS THERE ANYTHING THAT CAN BE DONE WITH THE CHARGES TO MY ACCOUNT. THANK YOU MS. M.

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tonya236
Akron, US
Jul 11, 2009 5:39 pm EDT

On may 26 of this year my husand and I deposited 2 checks totaling 520.00 with a check was a us bank check, the teller on duty put it in the computer as a out of state check, when we realized the mistake we went back the same day, the bank manager sara, gave us something called a curisty credit of 400.00 until our check cleared, she was supposed to take it back off the next morning, so we went on as usual trusting our bank to do what their paid to do, thinking that she took this back off, 6 weeks later july 1st we get a overdraft notice for 225.00 that we didnt understand considering that we still had over 150.00 in our account, the bank manager that we trusted did not take the credit back until july 1st bouncing everything we had, not only did they take the 150.00, but they expected us to pay 385.00 in fees, that ### is a theif, that bank is a fraud and we are not paying this, if she had done her job and taken this credit off the next day as she should have this would not have happened, so BEWARE! DO NOT DO BUSINESS WITH THIS BANK, THEY ARE RUDE, MISLEADING PEOPLE

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bforrest
Colorado Springs, US
Feb 14, 2011 8:41 pm EST

US Bank online banking customers beware...I was checking my account online and was surprised to see two overdraft charges, one for 10.00 and another for 33.00, especially when I had a positive balance in my account. So I transferred money from another account to cover these charges and for a future automatical withdrawal for a bill pay. The next thing that I get is another overdraft charge of 33.00, because the first overdraft charges created an overdraft in my account. I call US Bank and ask them why they are doing this when I had a positive balance. She initially told me that I had funds that were on hold which created an overdraft. Then, I told her that the funds in my account had been there for over a week (direct deposit from multiple sources) Then she told me to click on my balance. It popped open a new window that showed that a future charge would overdraft my account. I asked her, how can US Bank charge me for a charge that has not gone through yet? I told her that US Bank was double dipping and that I didn't believe that what they were doing was legal. She reversed all of the charges. I have had my US Bank account for 15 years. I told my husband that I think that US Bank has done this to me several times, but I never questioned it, I just paid it. Now...I am looking very closely at every charge. My long term plan is to move all of my accounts to a credit union or to a smaller bank.

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Osca Enter. LLC
clermont, US
Dec 22, 2010 11:27 pm EST

Regions Bank another thief :
My Family and I am a small business in Florida with Regions Bank, for past week we have been charged overdraft fee of $490. The bank system is so confusing that in one day your account shows positive balance and in matter of a day it shows negative balance and they are very trick people. I am sure you are thinking that we are not managing our account correctly, but this is not the case, Regions Bank as become in a professional trained thief, they will live of the overdraft charges. This Bank is stealing your money without any mercy. Shame on us that we put our trust and money in the hands of this crooks. The Regions bank charge me $490.00 overdraft fees for the negative account with a positive balance of $527 Regions bank customer service, including branch Manager, District Manager were no help. They told us we can not close the accounts ; for them Monday night is Sunday after 12:00 Regions Bank is sucks...Regions Bank bank is surviving of the overdraft fees and Shame on all of us that we let this bank to take our hard working money and could nothing about it.
Be alert !

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Patraska
Omaha, US
Jul 13, 2010 10:50 am EDT

If you kept a check register this wouldn't have happened. You were spending money you should have known would eventually be gone. Chalk it up to bad personal finance management.

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clubbers
mpls, US
May 21, 2009 8:34 pm EDT

I am currently a US Bank checking account holder; for now anyways. My current bank account with them is in a positive state according to their website. I guess not! Their website currently shows that I have two pending overdraft fees for items that still have not posted to my account. What the bank does is hide this bit information from their new and existing customers as a way of making money. I knew that I may have gone negitive when a check cleared, which is why I set up a checking account advance - to prevent any overdraft fees. ~Here's the good part~ the way the bank makes it money is by having you click on the available balance to find out if you have the monies available. The "available balance" will also show your items that have not yet posted to your account. As of right now, one of those items still hasn't posted to my account. I have incurred $70 worth of OD Fees. Out of Five stars, I give them 0! As I pointed out to the CS rep when I spoke to them, I am using the tools that they have provided to me, check book register and the internet. Yet their lack of customer training is my punishment!

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shutdownbadcompanies
South Sioux City, US
Apr 26, 2009 10:46 pm EDT

First, I would call you bank and see if there is anything that they can do to help you with crediting you some of the fees back. Especially if you have been a customer for over 40 years. If you let them know your situation, they most likely can help with some credit or other products like a line of credit or a loan to get your account in a positive status. Second, I would stop using that account until everything gets cleared up. Most bank, if you let them know what's going on are likely to help you. So, I hope this helps. I just helped my parents with some overdraft issues as well and they gave credit back and also provided a small personal loan to get them back on track!

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ek
,
Aug 12, 2008 1:41 pm EDT

i agree with you. I know they do this stuff. The problem you have probably already discovered is that this is actually legal, meaning ALL the banks are going to do it. Think lobbyists and lots of money to turn things in their favor, which the "little guy" can't fight. By the way, the rule is generally to give you back 80 bucks with a phone call. But the branch managers can give it all back if they want to.

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5:32 am EST
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US Bank unauthorized charges

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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John Hall
,
Sep 07, 2007 12:00 am EDT

US Bank is a conglomerate of thieves! 7 years ago, they printed out checks to some one else with my account number on the checks. The only way I found out was that the people bounced a hot check at my place of business, with my name on it! Come to find out, they had over-drafted my checking account by almost $3000. I finally got this issue straightened out through the court system, but US Bank charged me with a $500 over-draft protection fee! I will not pay this fee and I am still receiving harassing phone calls from collection agencies over this. It has put a permanent black spot on my otherwise good credit rating, and after trying to resolve this issue in numerous ways, it is still a problem after 7 years.

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Kathy Lwoyak
,
Jun 27, 2008 8:09 am EDT

Money was taken out my account with out authorization and if it is not put back I'm contacting a lawyer and filing fraud charges! Beware people!

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2:23 pm EDT

US Bank return lease vehicle condition scam

Excess wear and tear in the amount of 1075.00 that is ridiculous! The car is a mercedes slk350, sport car. There are tiny paint chips from driving the car to and from work on a main road. The car rides low to the ground and small chips occured as a course of normal wear...I took it to a body shop and he could not believe they considered this excess, questioning whether I may be confused! The dealer also has stated that US BANK has suspect inspection reports...they have not used them for 3 years due to customer complaints exactly like mine.

US Bank was unhelpful and rude, reading the return policy over and over...they refuse to reinspect. WHO OVERSEES THIS! They can say whatever they want and will charge whatevery they want regardless of two professional inspections that did not see a problem.

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12:12 pm EDT

US Bank lease termination fees charged

At the near end of my lease termination DataScan, a company hired by US Bank to come and inspect my 04 Lexus GX470, made note of every tiny, little ding and scratch on my suv. None of which measured over a 1/2 inche. Per my lease agreement anything under a 1/2 inche is considered "normal wear and tear". A bill was sent to us for $809.00 for these "normal wear and tear" items. No paint work was ever done on my car, all the original glass in tact and no dings or dents. Vehicle is in sound, great mechanical condition and tires are in great condition also. What gives?
The end came and we decided to purchase the vehicle outright. We titled it in our business name which lists me as the president. This should have "forgave" my bill. NO! They still wanted me to pay the $809! SO, let me get this right, I buy the car outright and I still have to pay you damages and still have to pay the full buy out price too? They robbed me blind.
Well, we disputed the charges with them, stayed in contact every month and each time the person on the phone agreed with us and promised to talk to someone who could make the final decision and plead our case. 8 months went by and I received a bill from a credit collection company now. But the bill was less than orignally. Now it was $600. I said to my husband that I didn't want to screw up our credit so lets just pay it and be done with them. Which we did. We pulled our credit bureau before we paid and no collection was listed and no negitive marks were there under US Bank either. The bill was satisfied in 1 week from the day we received it. We figured we now can go on with our life. NOT!
We went to a bank for a credit line for our business and the representative asked us about the late marks on our lease. WHAT! Yup, they not only marked it as a collection but gave me 8, over 90 days late, late marks! Dropping my credit score a whopping 60 points because of it! And suprise suprise, everyone I talk to a US Bank says the marks should not be there and it is wrong, the person I talked too can not personally do anything to change it, someone else has to. However, everyone they transfer us too says the same thing. So there I am. Paid a un-fair fee and still had my credit damaged... :-(

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6:22 am EDT

US Bank lease return nightmare

Lease Return Nightmare with US Bank:

In addition to the ridiculous charge of 200.00 for some scratches on my wheels, US has billed me for 3491.82 as an excess mileage charge. I was allowed 15, 000 per year (or a total of 60, 000) on a 4 year lease with Mazda for a RX8. The car was returned with less than 50, 000 miles (49, 407) to be exact and have been billed for over 79, 000 so odd miles. I have the end of lease odometer statement from July, my recent car inspection as of June, several recent service records from Town North Mazda and they still will not remove the charge.

The sales Director at El Dorado Mazda, has faxed the odometer statement 3 times or more to US Bank along with the recent car inspection report and they keep denying their receipt of the statements. Just how does US Bank do business if the sales director at a Mazda dealer, can not even get this resolved? If it was just a mistake, the first faxed copy from the sales director should have resolved the problem, but it still is outstanding.

I am not happy and will pursue this with the Better Business Bureau, Channel 5 or Channel 8 News and if need be, my lawyer. I am not paying for charges that I did not incur. US Bank is not a company I ever would do business with again.

Just thought everyone needs to be aware of this issue dealing with US Bank.

Thanks,

A Concerned Consumer

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happy/NO
Stow, US
Nov 02, 2009 2:28 pm EST

they are doing the same thing to me.
do not go to us bank.

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9:05 am EDT
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The complaint has been investigated and resolved to the customer’s satisfaction.

US Bank awful customer service

I had been a US Bank customer for 3 years (until yesterday!) and after fighting with them for over a month, I am no longer with them.

In July, I went to the ATM only to be told my card had expired, but I had never received a new one in the mail. The teller in the bank ordered me a new one and when I got it, I activated it over the phone and set my pin.

On Aug 19, I was travelling out of the country, and from the airport I notified them of this, at this point, also confirming my pin.

When I arrived in London for my layover to Italy, I tried to use the ATM, at which point I was told that my pin was incorrect. I attempted to call the collect call number on the back of my card that is used for international calls, and was told by the operator that it did not work, leaving me to pay for the calls on my credit card. The girl on the phone transferred me to the manager, who would do nothing to help me, repeatedly stating that I should just use it as a Visa card. To which I kept asking him how many Italian taxi drivers he knew that would take a Visa! He refused to do anything other than to send a new pin to my home (where my boyfriend was) which would take 3-5 days. He said that I could use it to get a cash advance if I could find a bank. No bank in the London airport with would give me an advance without a pin. I attempted to call back, but the operator told me that even with a credit card the phone number would not work. At this point, I had to call my boyfriend in the states to see if he could help me. I also had to pay to use the internet to find bank and Western Union info.

When I arrived in Italy, I found an exchanger that would advance money for a 13.9% fee. Seeing as I had no other options, I went ahead and did it. Once I arrived at the hotel, the friend I was meeting had a cell phone that worked there, so I had to make calls home to my boyfriend to figure out how and where to get the money Western Unioned to. We spent half of our first day in Italy walking all over trying to find the Western Union and get the money (a huge ordeal in and of itself!). Finally I got the money and things were OK. 4 days later I got an email from my boyfriend with my new pin, so I tested it and it worked!

When I returned home I called the 800 number and spoke to a manager to get reimbursed. The total I spent was $596. I have been dealing with them since the first week of Sept and they originally agreed to pay only $220 (the calls made from the UK and a $2 US Bank fee), and after more arguing, agreed to pay the 13.9% exchanger fee (another $51). So they paid me back less than half of what it cost me! I insisted on speaking with the manager's supervisor, and yesterday morning she told me that on no uncertain circumstances would they pay for the calls I had to make to my boyfriend, the internet use or the Western Union fees. At this point I infformed her that I would be closing my account. Two hours later I withdrew all my money and when the guy asked why, I told him, and he did apologize, but did nothing to try to change my mind.

When I returned home an hour later, I found a message on my home phone from shortly after Id spoken with the supervisior on the phone from the local branch saying they wanted me to meet with the branch manager to help me. I left him a message saying that I had already taken out my money. As I was sitting at Commerce Bank opening my new account, he returned my call still wanting to meet with me and try to change my mind. Apparently, the 800 number should have notified the branch immediately, but only did so yesterday. I informed him of where I was, but he insisted that they wanted to try to get me back. I told him I would meet with them the next day and he could call me the next day, but there was little they could do.

This morning I received a call from him saying that they were doing research and wouldnt be able to meet until next week. I have told him that if I dont speak with them today Im not meeting with them at all.

This has taken far too long, and the fact that the branch wasnt notified isnt my problem! Im done with this bank. Ive never had such bad service, and the fact that the branch wasnt involved earlier only shows the breakdown in their service system. Im emailing all my friends to let them know about this and already have a friend who is changing banks based on my experience. If you're banking with them it would probably serve you best to get out-they dont care about their customer!

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AnExBanker
, US
Jun 14, 2010 2:38 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

You really sound like a self-absorbed [censor]. I can't even fathom why you think your bank should have to pay for international calls to your boyfriend for any reason, least of all because you forgot your PIN...

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lynnwhittle
torra, US
Mar 16, 2009 6:53 pm EDT

This bank has the worst service possible... FOUR YEARS AGO my husband and I had an account with them and the account became overdrawn by 2 dollars (hello 2 dollars). They gave no written nottice or a notice by phone that the account was overdrawn. A few months later (after our move) we went in to make a deposit and were informed that our account had been closed and they had charged 7 dollars a day for the overdraft fee of 2 dollars making the account total $347.00 (with no notice)

Then they sent it to collections and with no notice from the collections and no information (except a non-working phone#) the collections agency sent it to a lawer, by the way they wouldn't let us pay the balance except with a money order). So through the lawers office we paid around $500 which is fine (WHATEVER), But now the lawers office has said that the lawer who is no longer with the firm has left and taken our money with him. So luckly we paid with a credit card and have a statement. So we called US Bank to see if the bill had been paid to them and (just like in the past) before we even began to ask the question they very quickly told us that it was out of their hands and WOULDN'T help us even though all we were asking for was a phone number to who would know. NEEDLESS TO SAY THIS ALL COULD HAVE BEEN AVOIDED IF THEY JUST NOTIFIED US THAT THE ACCOUNT WAS OVERDRAWN BY 2 DOLLARS. I HOPE THIS DOSN'T HAPPEN TO ANYONE ELSE BECAUSE THEY SEEM TO BE OUT JUST TO MAKE MONEY INSTEAD OF SAVE OUR MONEY FOR US. I HAVE BEEN BANKING WITH A WONDERFUL CREDIT UNION FOR 28 YEARS AND HAVE NEVER HAD ANY PROBLEMS AND IF MY ACCOUNT GOES OVERDRAWN (WHICH HAPPENS SOMETIMES) THEY SEND A LETTER THE NEXT DAY...

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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