US Bank

My name is [redacted]. Today I contacted Union Bank to inquire about any pending deposits on my account. The customer service representative assisted me efficiently. Her professionalism, courtesy, and respectfulness truly enhanced my experience as a Union Bank customer. It's employees like her that reinforce my decision to bank with Union Bank.

My boyfriend and I just bought a 10-acre property. We worked with a fantastic mortgage team. If you need top-notch professionals to make it happen, then I highly recommend them! We were extremely satisfied with the service we received! This purchase wouldn't have been possible with anyone else; we really put that to the test. No one worked as diligently as they did to get us into our dream home. We are immensely grateful to this duo!

People should be aware Union Bank uses deceptive bait and switch methods in their mortgage business practices combined with uncompetitive rates and poor service. A very large misrepresentation of over $8,000 was revealed to us after they took a $550 fee. Due to lower mortgage rates, we initiated a refinance process with our bank of over 35 years. We were told due to our large deposit relationship with Union Bank, we would have a special lender credit covering all loan-related costs with almost $2,000 in addition to apply to pre-pays or lower the loan amount – our choice. Because of this attractive promise our son and daughter in law also started a refinance process with Union Bank. We were both promised this would be confirmed with a formal quote to us right away from day 1. Nothing came. It took 2 weeks to receive a formal quote for son/daughter-in-law and a month (four weeks!) for our first correct one after multiple requests, more promises to respond, a meeting weeks after we started this process where many times our mortgage representative (Julie Nickerson, Assistant Vice President – Encinitas, California branch) deflected from answering this direct question about loan-related costs talking about other things, never answering our basic question. We also had limited response during the process. Many of our calls and email messages went unanswered and repetitive promises of responses that never came. We received a voice mail from Julie apologizing for this. When we did receive a response it was largely excuses avoiding answering the main question (what are the loan-related costs?). Our son and daughter in law experienced the same poor service. When we finally received our correct ‘Closing Disclosure’ for a 3.5% rate about a month after we started the process there was no lender credit and in fact, $6,359.35 in loan-related costs (not pre-pays). This misrepresentation was over $8,000! We didn’t change our minds on the rate option - another attempted excuse. All options turned out to have very high loan-related costs. Our son and daughter in law had a similar surprise when they finally received their formal quote. There was no misunderstanding from either of us. I was a University Economics professor with about 8 mortgages over 40 years. Our son and daughter-in-law (Masters in Business Finance) were clearly explained and promised this same relationship discount in separate conversations from us and they received a confirmation email response. If Union Bank had been truthful to us or even provided formal quotes to us quickly as promised, and is standard in this industry, we would have moved on and all our troubles would have been avoided. This huge misrepresentation ended up being a classic ‘bait and switch’ to get us to move forward based on now realized misplaced trust we had for Union Bank due to dealings for the past 35 years. Unfortunately, because of the good deal offered and because of our long relationship with Union Bank, I trusted Union Bank and advised my son and daughter in law to also work with them. They deceptively took a $550 appraisal fee from them and immediately ordered an appraisal before any paperwork was signed to lock us in prior to receiving any formal notice of the huge change in the deal. Both we and our son and daughter in law are very high-qualified mortgage customers. My wife and I have extremely high credit ratings (830), 40 years of paying mortgages without missing a single payment, good income & assets, extremely low loan to value ratio (24%), no consumer debt, complete confirming documentation provided within 24 hours, and no other issues. Other mortgage companies have told us we were star customers. Due to the poor service we received from Union Bank and during the long lag of receiving a formal quote, we searched the industry and found a mortgage refinance from Metropolitan Home Mortgage (dba Intelliloan) for 3.25% with a lender credit of $2,427 resulting in just $312 in loan-related costs. They provided formal quotes within hours and responded quickly to our inquiries. We communicated this to Union Bank and were informed they could not match it. We decided to move forward with this much more favorable deal after experiencing our ‘special relationship’ with Union Bank was just a frustrating bait and switch deception taking advantage of our trust from our over 35-year relationship. Our son and daughter in law also took advantage of the same deal resulting in about $900,000 in high-quality mortgage refinance business lost for Union Bank. We requested Union Bank to refund the $550 fee because they deceptively and quite dramatically changed the deal promised. We copied the Encinitas Branch Manager on all correspondence about this problem completely informing her of this very poor and unprofessional service. We realize people do make mistakes creating this misleading experience with Union Bank and were requesting no favors for us. We did not ask anything for our stressful frustration and time, just for Union Bank to do the right thing and repair the direct financial damage caused us due to this deception. They refused. As we informed Union Bank if they did not do the right thing, we have decided to end our long relationship with Union Bank removing over $400,000 of deposits to seek an institution worthy of our relationship. From Union Bank we experienced deceptive methods, uncompetitive rates, very poor service, and no responsibility to make things right. The final response from our Union Bank representative, Julie, after informing us Union Bank refused to refund the $550 fee was: “I will consider this matter now closed.” – arrogance, no apology, no remorse, no caring... not what anyone should be subjected to!

I like to go into a branch and do my banking in person. The staff have always been great. However, the Union Bank Credit Card Department gets a thumbs down. I have had numerous problems with my credit card being frauded, while my other credit cards have never been breached. So, security seems thin. I do always find out about the fraud quickly. However, one time, Union Bank froze my credit card. The fraud was resolved within a month but I was uniformed. I called multiple times and no one was able to tell me what was going on with my account. They all told me there is only one person I can talk to about my credit card and that person was never available and did not return my calls. Union Bank left me hanging for months with no answers and no card until a conscientious employee straightened out all the fees and fines I was being charged on a balance that had already been cleared to $0.00, and found the fraud had been resolved months earlier and this employee was kind enough to send me the new credit card I was supposed to receive months earlier. This is a lot of work on a customer's part.

My account was hacked and as a result of this led to the closure of my account. I tried to resolve the with the branch but the assistance am getting from then is very poor. I lost 25,000 $ during this process. I went ahead and filed a police report regarding this issue. The potential suspect of this fraudulent activities is my room mate which the police said there is not enough evidence to arest him. This is not only us bank, my paypal and discover bank account was afffected. Thank you.

Phone: [protected]/[protected]

Email:[protected]@gmail.com

On or around November 24, 2023, US Bank customer service reached out to ask if I was in Arizona, which I was in Minnesota at the time. They indicated that a woman went into a US Bank branch trying to access my checking account utilizing a fake ID. An alert was put on the account at that time. This happened two more times. We went into a branch to freeze the accounts, at which time, they indicated that even if we closed the account, this person may still try to access a new account. I was unable to completely close the account due to outstanding bills to be paid, so I left just enough to cover the bills. A freeze was on the account and alerts that indicated there was an imposter trying to access this account so do not allow any transactions to occur. On December 8, 2023, we closed ALL of our US Bank accounts, except for the main one that needed to remain open for bill pay. On December 11, 2023, I received notice that our account was in overdraft due to bad checks for a deposit made. Even with the account frozen and alerts on the account, this person came into another bank branch and cashed three fake checks totalling $7,686.00, which then threw the account into overdraft, so the bank put in $3500 to cover these bad checks. I went back to the bank branch to address the issue, and was told it needed to be turned over to their fraud department and that there wasn't anything else they can do at the branch level. On 12/12/2023, I filed all of the required documentation required to file a fraud claim. As of 1/15/2024, US Bank has not made any attempts to follow up with me to provide a status update, so I called them and they told me it is still pending investigation and that it could take months or even YEARS before it is resolved. In the meantime, I am getting US Bank Collections calling me about repaying the overdraft amount! Everytime I call the bank or customer service, I have to tell my story from the very beginning, only to be told the same thing: It is under investigation and there is nothing we can do to escalate it. We took every step to freeze our account and put alerts all over it so someone at the bank level didn't allow this fraudster to get any money out of our account, but at the branch level that cashed these checks either was in on this scheme or they never looked at the account to see that they shouldn;t have allowed this to happen. US Bank should go after the teller and investigate them and reimburse me my money and make this right. $7600 is a financial hardship to continue to tell me that there is nothing they can do until it is fully investigated. This is on US Bank, not on me and I should be reimbursed my money.

I was charged a check counter fee of $2 unknowing for writing a check on my account. Granted, it's probably an insignificant amount/fee but it's the principle that mostly annoys me. This is because I was PROMISED verbally in a local branch when I asked, that there was no fee/charges for this service. I had to ask as this is my first time writing checks against this account. Now, I would understand if I was told otherwise beforehand and then the fee afterwards. I had called to get a refund too but was dismissed casually as not worth their time. I'm definitely never writing any checks ever on this account or will I trust US bank with or for anything in the future. I'm already shopping for another bank. If I can't trust them in this little thing, I can't either on the big things whatever they may be. Again, it's the principle, not the amount and it's fraudulent.

December 6, 2023 and many other dates I attempt going into my account online to pay a bill. I get locked out of my account after changing my password. What kind of an ignorant bank locks customers out of there accout when they just want to pay a credit card! They sent me a code, I reset my password and then attempted to sign in and pay my card bill and they lock me out how stupid is that. I guess they don't want their payment on time or maybe expect me to pay a late fee! Whom ever is in charge at us bank is a bone head! I talked to 3 cs reps total of 1 hour of my time. Each rep asked several questions to verify who I was and I passed with flying color. All other bank that I have if they doubt your identity they send a code and you are in. Does us bank managers know customer service reps are turning customers away from paying bills? Us bank is working under stoeage rules (get a brain) locking people out does no good!

My mortgage with us bank #[protected] began 06/2014 with includes monthly escrow payments. Im a senior citizen with multiple underlying medical conditions including major surgeries forcing me on approved medical of absence without pay from 04/2022 to early retirement 06/30/2023. However, 06/2023 i made an additional escrow payment $800.00 by telephone i directly formally requested that payment to be exclusively or only used for additional escrow 2024. Due to rising cost for escrow expenses since 2014 annually that increase or escrow shortage never been more than $700.00 annually divided by 12 months why I paid $800.00. However, I called us bank 12/01/2023 and learned escrow shortage 2024 was raised such deficit from 2023 monthly payments $979.42 to $1,204.35. That's an increase of $224.93 monthly multiple that times 12 months bout additional $2,900.00 annually. why? how come? WOW. NO explanation was provided.

There are no escrow expenditures that supports such monthly and/or annually 2024 escrow shortage increase. All 2023 monthy mortgage which includes escrow account are current. help. help. help me.

11/30/2023 10:00 am

Received a call from US Bank customer authentication stating that they were closing out my business cards along with my personal credit card.

I asked to speak to a manager and after a 25 minute wait, a manager by the name of Pat who would not give me his last name was very rude and condescending.

I have been a US Bank customer since 2015 and have never been treated with such disrespect.

I received a call from US Bank asking about a Zelle payment I was trying to make for 25$. He asked if I know the person, which i replied yes. then he was asking me questions about how I knew them what, was my relationship with them and told me that doesn't sound very good. IT WAS NOTHING. He passed judgement on me and was basically accusing me of doing something illegal, which I wasn't. At the end of the conversation, he said everything was okay. Yet, he locked my access to my online banking for 48 hrs. That is how I pay my bills!

I'm a 70 year old woman who doesn't get around like I used to and I don't have any mental issues. He would have known that if he would have listened instead of accusing and judging.

The inconvenience of being locked out my account is great. I just want to make sure he doesn't do this to someone else. I called twice to ger the block on my account removed. Which it was not. So why was I penalized? Locked out?

He needs to attend some sensitivity training and possibly learn how to speak to people properly. His Employee ID is ZCONB61.

I've been with US BANK since 06/2014 account #[protected] 2023 payments $979.42. It is understood that a portion of my monthly mortgage payments include escrow expenses payments. I, Charles R. Williams lll, legally formally request that US BANK Headquarters and/or its Home Mortgage expeditiously Investigation and/Audit my account additional escrow payments 2024 paid $800 around 09/08/2023 to exclusively cover any possible 2024 escrow shortage. This investigation and/or Audit is to ensure such payment only be applied to such purpose and my direct intent! All 2023 mortgage payments to November 2023 has been paid in full $979.42 which include escrow payments. Since 06/2014 I've paid in full any/all Escrow Shortages includes some escrow overpayment refunds. **l've sent 3 emails but not limited to ([protected]@usbank.com 10/19, 29/2023 and 11/09/2023 to no avail** Why? How come? *Since 06/2014 there has never been a shortage over $700.00 is why i paid $800.00 to be safe!* Note: I am a Senior Citizen with disabilities forcing me on approved medical leave of absence (no income) 04/13/2022 to my early retirementn06/30/2023 from City of Chicago particularly the Department of Streets and Sanitation. Also, BEST contact method is by regular mail but welcome emails. Reason I have no computer, laptop or printer nor Internet. My direct intent and purpose is my payment $800.00 escrow on or about 09/2023 only be used or applied to possible 2024 escrow shortage and I expressed that on the phone at time of that payment.

I opened an account with US bank. I then received a letter from the regulatory research dept. at US informing of a problem with my name/ssn combination. Enclosed was a substitute W-9 form advising if US bank did not receive the requested info from me within 30 days they would begin deducting 24% backup withholding from my survivor pension. I did not comply. They sent products with an alias name on them. Credit view status unidentifiable. Especially made debit card deductions of 10$ per ATM transaction, miss printed checks could not use the product due to alias. Posting credit card payments late. Leaving payment in account after supposed withdrawal to hold for merchant then suddenly deducting payment days later from posting available balance. Dual checking account to incur double negative account status for the purpose of negative credit reporting. Refusal to except bill pay check to cure negative balance. Check never cashed payment stopped. Rude CSR service on scheduled appointment to discuss issues with debit cards, checks and over all online banking service. Kicked off site in the middle of transactions.

The bank has caused me extreme stress and is planning on causing more to report and stress credit worthiness. Constant credit checks and false reporting with credit file security freezes and fraud alerts in place for over 6 months.

I opened a Silver Business Account for a small business I have. I selected US Bank because they were a large company offering a $500 bonus.

Starting the account was very difficult. US Bank seemed to struggle with the simple stuff. I was told that they could not open an account for me because I live in a state where there are no US Bank branch offices. After a week, I was contacted by US Bank and told that they would be able to open the account. I explained the reason for selecting them and stated that the $500 bonus was a large factor in my decision. After 60 day period, my bonus never arrived. I called several times to resolve an d finally was told that the promotion ended before I started the account. I have screenshots where they still advertised the promotion 2 weeks into the month after they said it ended. They still don’t have my name correct but I’m canceling the account so it doesn’t matter.

I tried to deposit a $114,000 check (From an attorney trust account) into my checking account. This was from a personal injury settlement & I spoke to a customer service agent and a person at the branch and they said there was nothing that could be done. I had asked the branch to contact the bank of the attorney & they said they would not do that and that I would have to "Wait a little bit longer". While I understand there is a policy in place, the US Bank employees were not willing to help at all. I suggested that they contact the attorney's bank & they would not do it, As a client of this bank for over 30 years to be treated this was is unacceptable & something that US Bank should be embarrased of. Once these funds are available, I will be closing all accounts with this bank as they would not even attempt to help me, the client, and that is 100 percent unacceptable.

Hello,

I was not able to renew CD yesterday, so it renewed automatically at a rate of only .05% for a 6 months term.

US Bank refused to do anything to adjust the rate or term. So I had to close the account.

When I closed the account today i was charged 1% of the deposited amount or $250.

This amount is excessive and usury, even though the money is my own.

I wanted to report the deceptive, unconventional and usury behavior of this Bank.

John Schmidt

[protected]@yahoo.com

[protected]

On Oct 11th 2023 I deposited a check for $9500.00 into the ATM depost slot at the Camdenton MO branch. I did this because your bank hours are imposible for any person with a job to get to the bank before they close and now your not even open on weekends. I was waiting for this check to clear for the sale of my camper. This money was very important to be gotten to in a timely manner. I watched my account for the next few days, and it appeared as if the check had cleared and was added to my available funds. So, i planned accordingly and sold the camper. the next day the money was subtracted from my account with no reason given. It was a weekend so of course your bank was not open. I called customer service, and they told me that I had not endorsed the check at the time of the deposit. I said OK I will come in and endorse the check. They told me that when I deposit a check in the ATM US bank does not actually get that check because it is an outside agency that handles the ATM transactions. I was informed that a legal copy of the check would be mailed to me, and I could bring it to any branch and take it inside and endorse and deposit the copy (If i could actually get to a bank before they close) This took place on OT 11th 2023 and it is now OCT 23rd and I still have not received the check in the mail to deposit it. I applied for a lost title with the DMV on the same day as this and have already received the title. This process is ridicules, I should have received a call or an email or at least be able to retrieve the check before I have to wait two weeks to deposit my money. If this check does not clear once I am actually ready to deposit it I will be changing banks! I have been a US bank customer since you were Mercantile bank and I have a substantial amount of money with you, but this is unacceptable customer service. i even talked to the branch manager at Camdenton and explained my situation and I was told that's just the way it works.

My name is Howard Langley. My wife and I have had an account with US Bank for over ten years now. ONCE AGAIN, today my hard earned paycheck went into my account, and before we know it , we have $150 in overdraft fees. Clearly something that could have been avoided with a simple decline or heads up from our bank. OR just charge one overdraft fee, and decline the rest. But apparently US Bank is happier stealing my money than being a reliable, family trusted bank. This has happened before and we have been incredibly patient. This time however is too much. My family is on too tight of a budget to deal with these shady dealings from, what should be , a bank we can trust and mean back on. In my line of work, I have plenty of younger people setting up direct deposit accounts and needing to know a good Nanak to set up an account with. I’m not really sure where to point them anymore, but I will make sure I tell them us bank would be a mistake.

Do better US Bank

Yes I had open up a Checking/Savings, account in [protected]. Now unaware to me, the branches opened up 3 more of each and no one claims too be able too find those accounts. But in 2021-22, during Arbriation US BANK, Attorney claims I had

1. Checking

2. Secondary

3. Auto loan only.

Inside of groceries store on Foothill and Euclid in Upland, Ca.