US Bank
reviews and complaints

Dear JoAnn Patterson,

Almost word for word our experience with a pending loan with US 'bank has been identical to yours. Although we have more credit card debt due to recent property construction improvements, our FICO was 707 and we have a perfect timely payment record, paying more than the minimum each month. US Bank tried everything to suppress the value of our 16 acres. We are just across the Highway from an Urban Growth Development area. At the edge of an up and coming area, although growth and sales have slowed down, the area is relatively healthy compared to most of the US.

We have a approximately $350, 00 more in "current value" according to comparisons than their appointed appraiser shows. The intention for this loan is to pay down our credit cards, which we would readily agree to US Bank cutting checks directly to them from the escrow.

Like you, we have NEVER been turned down for a home loan in our lives until US Bank fiasco. Over the past years we have purchased six homes.

Admittedly we felt a bit uneasy as they never gave us a loan packet or any application to fill out. When we asked, their manager replied that they don't need an application from us as they submit an application in our behalf. Most of the docouments we submitted were not even requested but we knew that they would be necessary in order to process our loan. Then they waited almost two weeks to respond to underwriting's request for documents, although we had been urging them to fax them over to them.

Had we known that we would be getting the run around for so long, we would have applied elsewhere but they just kept dangling the carrot, with little tidbits of information and insignificant document requests. We even received several letters of acceptance for our loan from US Bank's home office.

We are very active seniors, both with very lucrative businesses, married to each other for 47 years.

Is this a possibility of ILLEGAL AGE DISCFIMINATION or is US Bank safeguarding their excecutive Bonus Monies.

We hope this helps others in their search for a lender of integrity... it certainly is not US Bank in Oregon.

The Lissner's in Sherwood Oregon

The worst customer service department I've ever experienced. Substandard knowledge and intelligence of representatives. I was transferred numerous times to get to the leasing department. I asked for the direct number so that the next time I called I wouldn't have to go through the maze, but they wouldn't give it to me. The first rep I talked to took all of my information, then said "excuse me, I have to leave now", and then he transferred me to another and then to another. Consumers BEWARE - do not lease through US Bank. Make sure your car dealer reveals the bank to you before you sign.

Wish I had found this site and others before dealing with US bank. The leasing division is the worst of all. The treatment I received from their people was the rudest and most frustrating thing I have ever dealt with. Got even worse when I went to purchase the truck. Their lack of attention to the financing lead to another convieniant addition to the payment when I was tolod their wasnt going to be up front. Don't even get me started about the revolving door they call interest rates.

Sounds like employee theft to me. Point the finger at that branch's employees. If any employees were let go during your time banking with them for poor business practices, your account(s) will get linked to that time frame I bet.

I have had the same experience at US Bank. My email provider said that the US bank emails contain link(s) that have been identified as spam so the email provider is bouncing the entire email as spam. US Bank needs to get their servers off of the spam lists.

Umm, hello Maggie! I know you replied to another complaint about US Bank and as the other person stated in another complaint, they did check their account online, as well as calling in and checking. The available balance is not correct! I closed my account with them in 2007. In September of 2009 I received a call from an attorneys office stating that I owed $1900.00 to US Bank! I asked how, no one can give me an answer. After going back and forth for the past 4 months, and paying $160.00 a month due to the fear this will go on my credit, still no information. I have never once received any information from US Bank of any charges that went through after I closed the account and of coarse, error on my part, never obtained paperwork stating my account was closed by my decision. I have reported the collection agency to the FTA for an unauthorized transaction and contacted the attorney today. They stated the amount might be from an $8.00 a day fee. I asked for a signature that I agreed to that fee, they stated there was nothing signed, it is in the terms and conditions. Stated that I need proof showing that I was provided the terms and conditions and they can't come up with anything. I will more than likely be taking them to small claims court. Attorney refused to be recorded. Odd, right?

Maggie

US Bank systems are designed to ensure "customer errors amd ommissions" that generate late fees. It is part of their business strategy. Their credit card site provides no confirmation number for on line payments and then takes no responsibility for payments that they did not receive. They are the only bank/credit card company that I ever have a problem with out of the 13 personal and business accounts that I manage. I think that Balckplatter's mistake was not assuming that US Bank would send an alert but the mistake was assuming the bank was honest, ethical and professional.

What department do you work in at US Bank?

Last month (November 2012) I accepted a job as a "Mystery Shopper". I received a check in the mail for $1, 290.00. I contacted the supposed employer and they gave me instructions on how to spend the money and send reports to them. I then deposited the check and waited for it to clear. Once the check cleared, I called the company to advise them. They advised me to follow their instructions on how to spend the funds. I did part of what I was told to do before the check came back as bad. My Bank (U.S. Bank) then closed my account, reported me to Chexsystems and sent my account to collections all in one week. I was NEVER given a chance to correct the issue. Plus, because U.S. Bank reported me to Chexsystems, My secondary bank (Citibank)closed the account I had with them. Personally, I feel this was Bad Business on the part of U.S. Bank because I've had my account with them for approximately 7-8 years and NEVER had a situation like this. Now because I have been reported to Chexsystems, I can't open a bank account. Also, The Collection Agency Harasses me on a daily basis. Is this Legal?

These people are frauds..I leased a vehicle, which was 100% paid in full...not only did no one know anything about anything, also overfees, they are still reporting this to the credit bureaus as open
STAY AWAY

I am a leasing agent with a large leasing company. I've never seen a lease that did not have a end of term fee. It's usually $250-$500. The company you should be angry with is the dealership you leased it from. They knew when they leased it from you, there was a fee. You should also be angry with yourself for not reading the lease agreement yourself. Never trust a car dealership, ESPECIALLY on a lease. I'm not defending US Bank, but in the case of the end of term fee, they all charge one. It pays for the inspector to come out and transport the car to the auction.

I have an auto loan with U.S. Bank and got the payment protection plan with it. I was allowed 30 days to cancel the plan with no charge. I decided to cancel and notified them within a few days. I even recieved a cancellation confirmation. They keep charging me every month for it, and after numerous phone calls (no one ever returns your call) they said I just have to keep paying the extra amount and it will be applied towards my loan balance. When I applied for this loan they said that if I cancel, the amont would be subtracted from my monthly payment. None of my statements reflect this and I can only assume I will pay over $700 for nothing.

In fact, your "guess" is totally wrong. The vehicle was in near perfect condition, as confirmed by the Volvo dealer who I did ask to inspect it at turn-in. US Bank's response to this was to point to the lease language that specifically disallows any inspections by any party other than their own inspection. On why I didn't keep the car after lease, the answer is simple: I did not choose that route because I wanted a smaller, more fuel efficient car. Anticipating this possibility four years previous, I chose to lease, rather than purchase, so that I would have that option. In my case, the issue actually has nothing to do with the condition of the vehicle (I am fine to argue over whether a 3/16" door ding is excess wear and tear), but rather concerns the one-sided nature of the lease contract language. Their standard contract defines excess wear and tear as any scratch, ding, windshield nick--anything--and leave the determination of such only to US Bank's inspector. The lease specifically denies the lessee any recourse to challenge the assessment or the charges, again determined solely by the Bank and its inspector. This issue is not specific to me, but is common to ALL US Bank vehicle lessees. When challenged on this point, US Bank simply responded that that is the lease language and I signed it. While that is a correct statement, it does not make it a fair, or possibly, even legal contract. In my opinion, it is a contract of adhesion and is patently unfair. And it is a practice that US Bank should not be allowed to get away with.

I just posted a complaint regarding the EXACT same issue with US Bank. I am seeking an attorney who would like to pursue this as a class action. If anyone knows of any, or if anyone else has had the same experience, please let me know. davidjgarcia@mac.com.

yup, happened to me too. I`ve been paying my dues loyally ever since i got a US Bank card. I started off at 0% promotional rate till November 2009, then once that expired they jacked the rate to 9.15% in December 2009. Heres the problem, in January 2010, they jacked up the rate again to 13.99% without notifying me or sending me any letter!
i`ve had it with these idiots playing us like fools and here we are bailing banks out with our taxpayer money while their CEO's still rake in their millions in bonuses.
I think its about time we get together and sue these criminals!

06/03/2009 - Guess what! Same thing happened to us. We NEVER received any letter, (which they claimed to have sent). I have already filed a complaint with the Federal Trade Commission and considered filing one with the BBB and whomever else I can think of! But then the thought occurred to me that if they can increase our rates like this, then they can probably close out our accounts for any reason whatsoever, so then I "backed down" because IF they would close our account it would again damage our credit. What a crock! Our interest rate was also increased to 15.24% - that seems to be the amount across the board. But you know what "still" worries me is that they made it a VARIABLE rate which leaves it open for them to increase IT EVEN MORE! YIKES - WHERE WILL IT END? I agree something does need to happen now - not next year. What good does 2010 do us - that only gives them more time to think of ways to screw us. Unhappy in Wyoming...

They did the same thing to me. I just called and they told me that they check my credit score every 90 days. Since they noticed a change in my credit score they increased my interest rate from 5.15% to 15.24%. I told them they had no right checking my credit scores as long as I pay my payment on time (which I do every month). They also told me that I should have received a letter indicating that my interest rate was increasing. I told them I never received the letter. I am waiting for a supervisor to call me back. The lady told me that this sort of thing won't be happening when the new law goes into affect next year - in the meantime the consumers are getting screwed! Something needs to happen now - not next year!

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

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.

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.

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

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.

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.

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.

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.

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 !

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.

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!

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

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.

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.

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

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

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?

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 ...

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

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!

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

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

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

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.

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.

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!

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!

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.

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.

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.

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.