US Bank

My business account is from US bank, on September 22, 2018 I could not deposit or withdraw my money, and it was like that for 10 days, I called in and spoke to a manager at Garden Grove CA branch (Inside Vons Valley View), her name is Sonia Belltran, Not only she was not knowledgable, she was not helpful. She claimed she can not give out the reason until the back office tell her why accnt was on"hardhold". A day later I called back, ask where is Sonia Belltran and of course ahe was busy, when I asked when are they releasing the "hardhold" and what is the reason of the hold and how come no Executive write me about this? The customer rep said they have no knowledge until back office get back to them. I was smoking furious, it is a business account and I have transactions everyday, the following day would be my work money direct deposit day. I asked how come the manager never contact me about this hold? Of Course Sonia was not available to talk to me, then I kept calling, went to another branch and they got a hold of her, she stated that she called me but it was a wrong number, I am thinking my number has been recognized everytime when I call in about my Atm and how does this manager dialed out the wrong number and not check the record or send me any mails, she stated that they hold my account because of my $23, 000 wiring from my escrow back in May 10, 2018 and my withdraw of $10, 000 immediately after that for home improvement, I thought this is absurd why DIDNT they write to me immediately after that if they found it as a problem, why did hey waited that long to bring up the issue. She claimed she explained to the back office and they will release a week later, here I am a week later the account is still NOT "hard hold"released. There is transaction everyday for my business and they do not understand how much money loss my business endure for them to blocn my account like this.My attorney and I are filing a complaint in Court against the Sonis Belltran female and US bank for their non compliant actions. This female manager Sonia Belltran is not knowledgable and or professional and should not be hired for this position.

I spoke with Denzel at 800-USBank and was advised that my funds had not cleared for a check deposit made on 9/28/18 for unspecified reasons. I attempted to review the details of my account statement with Denzel: Venmo transactions of $179.75 & $19.75 were transmitted on 9/27/18. A withdrawal of $184.00 was completed shortly thereafter (9/27/18) in San Pablo, Ca. On 9/28/18 I deposited a check of approximately $3900 in Dublin, Ca. $200 of that check was made available immediately and withdrawn at the deposit location. My available balance was $12. xx. On 9/29/18, I awoke to the shocking notification that my account was overdrawn by $228. xx, but I was unable to resolve this then. Denzel stated he is not sure why the transactions appear as they do, but all of the transactions I am advising of all occurred on 9/28/18.

I asked if US Bank would have allowed a $200.00 depsited check advancement on an account with a negative balance, and he said he did not know. I asked if it made logical sense that instant pay (venmo) transactions would not post until after I withdrew the $180.00... and asked how could I withdraw anything if the account was negative prior to the venmo deposits? Denzel said my account was not negative prior to. I detailed the early history and proved that my account balance prior to the venmo transactions was -$2. xx. Denzel then agreed to those facts and asked if my issue was the accoubt history or the check not being cleared. I said BOTH.

Denzel advised to call [protected] to identify the reason for the hold and to verify when the funds might be released. I asked to speak with his supervisor concerning the validity of my transaction history and was told to submit my inquiry online (no website or addiditional details provided).

In calling (ending in 6643), I spoke with Corey. I provided my social security number and home addres. Corey advised my funds would not be readily available until 10/10/18. I asked why the hold was placed and was told it is because the deposit was rather large and that the amounts needed to be verified. I explained that I very well could have held and cashed the check on 10/1/18 (check date) and would have if I'd known there'd be a hold. To which Corey replied that I was advised of this in writing when I set my up my account. I replied I did not recall such and that with other financial institutions you are given prior notice at the ATM before completing the deposit. Corey said replied it's a 7 day business hold you will get your money on the 10th.

I then explained that I have time sensitive bills, including rent. The check in question is an employment check, and that I am now at risk for a Rental 3-day pay or quit notice, and possibly, a subsequent eviction. I noted that with it being a business day, USBank could call California Dept. Of Treasury (employer/issuer) to verify the check detail. Corey interjected that this will not be resolved for an additional 8 calendars days. I again stated why it was urgent that this be resolved sooner, I again noted I could have cashed my check elsewhere on 10/1/18 and would have done so had US bank offered notice that the bank would hold my funds. I asked Corey if he had the option of expediting this process and he stated I could visit my local branch. I asked if the local branch had authority to release funds sooner, he said no they too are subjected to calling the (6643) number for Fraud/Risk and that he would give them they same information.

I stated this was not helpful feedback. I then explained to Corey that this isn't some need/desire for spending money... my actual livelihood is at stake for reasons (the check hold) that could have been avoided with proper notice. I asked for help, leniency, and understanding. I asked if Corey understood that I could have cashed the check on 10/1 with all funds available? And if he understood that I absolutely would not have completed the deposit if I'd known. Corey said I'm sorry ma'am, you will get your money on the 10th. I asked for a supervisor. Corey said I could not talk to his supervisor because his department isn't set up that way. I asked to provide my information with a request for a supervisory return call, Corey said that was not an option to me, and that I would need to talk to him.

I again noted that with it being a business day, their department could easily call to verify the check, and that holding my funds for 8 days seemed unnecessary and that this could be resolved much sooner to a void the aforementioned issues. Corey advised that it could be expedited at his discretion, but again noted I would be waiting until the 10th.

I asked how disputes were resolved in his department of speaking to a supervisor (by calling or being called) was not an option. He said ma'am no one can tell you anything else than what I've told you. You will get your money on the 10th. I started I would also be homeless by the 10th.

I am absolutely appalled by the level of customer service I was received today.in addition to financial strain, I am overwhelmed that anyone with US Bank would be allowed to or otherwise comfortable enough to speak with a distressed customer in that manner. I have reviewed every document I signed during my account set up. There is nothing in writing that states my checks would be held for 7 business days. The language suggest it is possible for a bank to withhold large amounts, but that the end result would vary from check to check and branch to branch. I have had partnerships with other financial institutions and they offer CLEAR NOTICE at the ATM machine that funds may be held.

The most unfortunate part of all of this, is that working in a financial institution that gives the state of California, I am very much aware of the legalities surrounding this issue and I am 100% sure this check hold can be expedited at the discretion of the US Bank repsentative's management. Corey simply refused to understand the humanity in all of this and allowed the fraud/collections side of his persona to outweigh his humanity.

This unfortunately will be the first and very last time US Bank will see my payroll check.in fact, desolving this account may be in my best interest. I cannot continue partnerships where both the expectations and communications are unclear or otherwise subpar. I kindly request management feedback on this within 24 hours.

Kind thanks,
Shaina Washington
[protected] (call/text)
shainarhw.[protected]@gmail.com
[protected] (office)

My husband and I have a mortgage with you and am looking to purchase another home we have been looking at for months; US Bank owned. We are fully qualified and pre-qualified with verified funds and ready to close as soon as inspections and appraisal is complete (30 days or less). The home we would like to purchase, above ask ($740k) is [removed] . My husband, our agent and myself have been trying to contact the listing agent, John Castillo, for the past 5 days and he has yet to respond to our inquiries or questions; extremely unprofessional and frustrating. He says he will call or email back and has not responded at all.

I would like to speak with someone directly at US Bank about the purchase of this home sooner rather than later. We are wanting and willing to close in 30 days or less and will put a minimum of 20% down. All funds verified, secure and ready to go. My husband is a contractor and we are aware of the potential issues with the property (including the driveway) and willing to pay to correct them. We were one of the initial offers that were submitted months ago and are still interested.

[removed] can be reached at [removed] or by email at [protected]@gmail.com or [removed] can be reached at [removed]

I look forward to speaking with someone in the near future to purchase this home.

On Thursday September 27th I tried to deposit my husbands payroll check in the amount of $1534 and some change. It wouldn't let me it said my maximum amount I could deposit was $1500.00. This surprised me since I have been making this deposit since January and the tax laws changed and my husbands wages increased with the tax credit. I called the customer service line and she said she was sorry that this happened and that She would have to fill out a form to send to my home office since they were the only ones who could approve an increase. So I was on the phone for a long time. I asked why would this of happened. She said I would have to call my branch since they were the only ones who could tell me why this happened. So on Friday September 28th I called my branch and explained my problem the teller said I would have to call a different 800 number since she said this has never happened before in the two years she had worked there. So I called the 800 number and I talked with a Mike he said that I should go to my home office since it was something only the home office could fix. I asked him why this would happen and he said it usually is based on usage. I then explained I have been making the same deposit for the last nine months so there was usage. He then said it just could be random. Ugggg. So I drove into town to go to the branch. When I arrived I went to the teller and she remembered talking to me. She went into her managers office and explained my problem. I could hear some of the conversation the manager wanted her to tell me there was nothing they could do for me. I was quite upset by now. I said I've been told by two people that my home office is the only one who can help me. Finally the so called manager came out she was not friendly at all she said there must be some reason they lowered your amount. That I would have to find another way to deposit my husbands check. I was furious. She asked where my husband and I worked if there was a bank closer to us. The gaul of that woman. I have been a customer for over 30 years. She made me feel like I had done something wrong. That I was inconveniencing her. What ever happened to customer service? She finally said that she could request a limit increase for me but that it is a long process and not guarenteed that my increase would be restored to the old limit. She asked for my driver's license and started doing something on her computer. Then 10 minutes later she calls someone to see if I had called yesterday and if a form was filled out. They must of confirmed my story and when she hung up she slid my driver's license back across her desk and said a form had been filed out and it may take up to 10 days to even reach the branch. I looked at her and told her she might not have me as a customer in 10 days stood up and I left. They recently did away with the branch I normally do business with the northedge branch in Eaton. The main branch is in a horrible location to get to not very much parking and there atm is on the outside of the building there are 2 parking spaces in front of the atm it is very inconvenient to bank there. I am so upset right now. I want to know 1 why my limit was decreased and 2 why it takes so long with today's technology to fix this problem. 3 what happened to treating your customers with respect. Not making them feel like they did something wrong. I do expect an appology for the run around and the treatment I recieved in the last 2 days. My name is Rebecca Ross my phone number is [protected].

I have contacted the bank numerous times to help me with my account. There is no local branch and I just want my money. I have been ignored, accussed of fraud and locked out of my account. I am sick and cant handle this stress. I have made the bank aware of everything i was doing and you still refuse to help me and instead harrass me. I want this dealt with immediately or im contacting an attorney

1. I asked for a title to be sent a month ago... it is still not done.
2. Every time I call I'm on hold for 20-30 min... pay someone to install a damn call back ... good lord
3. When I called at one point, US bank had the title but hadn't faxed the title. They told me it would be a certain time before the title was faxed, I waited that time and it still wasn't faxed.
4. I called today and paperwork had been sent to the DMV but not the title. WTH?
5. The lady I complained today made sure to rudely tell me that I was supposed to be told this would take 8 weeks ... we'll inwasnt told that and she didn't need to be rude since US bank can't do their job.
6. I WILL never use US Bank EVER again ... I will pay a higher interest rate before I use y'all again! Your bankers are rude!

The wait time for service at this branch is ridiculously slow. Sometimes it's a good 15 minutes out in the drive thru. Several cars are lined up with one teller in the drive and one in the lobby. It seems they are either very shorthanded or need to schedule their employees breaks at slower times of the day. The appearance of some of the tellers is also less then professional looking. On the plus side, the staff is very apologetic for the slow service...

credit card No [protected]
Korean Airlines Skypass No.[protected]
I opened a credit card with US Bank several weeks ago, almost 2 months
I was supposed to receive miles with Korean airlines on 8th of this month.
Called Korean Air Skypass. Us Bank did not transfer till now even though I made several phone calls to Us Bank credit card services.They admitted making a mistake
and said they will credit the miles in 10 days.Nothing happened so far more than 2 weeks.
I am still waiting .
This is poor customer service, It should not take more than 2 days to correct a mistake

Dr.Philip K Joseph
[protected]

My husband went to the ATM on Saturday, 9/22. The machine had an error, it kept our 260.00 and did not credit our account.
We went to our local US bank. Unfortunately. we have been told the refund policy can take anywhere from 10 to 15 days. I find this to be completely unacceptable.
How can you hold a customers money. due to an error with your machine. After this is over and our money is returned, we intend to switch banks.

Bankruptcy was completed in January of 2012 with a discharge. US Bank is showing a Civil Lien against me since 2011. Letters have been sent to the legal department to have this corrected. No response has been received. I am unable to get anyone on the phone that can help me in this matter. Will not provide information about the account via this portal for security reasons.

Us bank called me last night.They say i owe 1900.00 on my business checking for overdrafts.I made a purchase sept 1st for 1500.00 it was placed in pending for four days.While other drafts were paid allowing the balance to drop below 1500.00.After four days and acoount balance below 1500.00 the draft was removed with no notice to me.Luckily i was able to find the same product for 200 cheaper and i purchased it.1300.00.This purchase went thru but sent my account in to overdraft.36.00 charge.A few more charges came in atm withdraw of 100.00 even an atm decline charge of 2.50 each time resulting in an overdraft charge.Then a good two weeks later i was notified that the first purchase had shipped.The 1500.00 one.I have asked twice at the local branch to opt out of any overdraft protection.Was told i could not once by a teller once by the manager.I have my statements i can email to anybody who needs them.I feel that it was wrong to charge me overdraft charges after i asked to opt out.And feel that i should be refunded all overdraft charges from that point on .This all took place between 9/01/18 and 9/19/18.Except when i asked yhe teller to opt out that was may 2018.Sorry about all caps cant see good so thiat helps me see letters

I'm not an account holder at USBank but when I went in there today to cash a check that USBank had issued, I was met with nothing but loud, rude & immature behavior by Emily, the PD-WA-3323 branch Manager.
When I didn't agree to give her my ssn just to cash a $400. check, Emily walked out from behind the counter & while standing within a foot & a half of my body, she very loudly, threatened that she wouldn't cash my usbank issued check if I didn't cooperate with her nonsense. Now I'll tell you, Emily isnt a little girl, she towered over me in height & totally eclipsed the sun shining in the wall of windows. I'm pretty sure she was trying to intimidate me with her very large, wide frame...in the end I got my check cashed but it was quite the fight. The bigger they are the harder they fall.

We have a mortgage with US Bank. We are currently trying to refinance our mortgage with another institution. The underwriting department has requested information from US Bank regarding verification of the mortgage. We have also been trying to get the required information from US Bank for the last six weeks. We have contacted US Bank by phone and FAX multiple times. We went into a US Bank Branch in Utah County and spoke with their staff. Their staff have not been able to get the documents either.In summary, we are very frustrated at not being able to get the requested document when we asked for it. We have tried, the institution handling the refinance has requested the information multiple and US Bank's own employees have been unable to get the information needed. To resolve this matter all we are requesting is the document entitled, "Request For Verification Of Mortgage.
Thank you in advance for your help.

I have been a good customer of us bank and I missed one payment so they cut off my card. I submitted a payment as soon as I realized it but they still cut off my card and refused to reactive it until they get the payment. They can see that I have the payment set up to come out as soon as they process it. I won't do business with them ever again. I needed my card and it was the only payment that I have ever missed. And again they can see that I submitted a payment online and refused to re activate my card. Citi has never done me that way beforw

1900 1st Capitol Dr
St. Charles, MO [protected]

US Bank 10:50 PM | 9/12/18 (Deposit $880 - Increments 100's (4), 20's (24)
ATM made a loud beeping sound after attempting to Deposit more cash from first transaction, after that it attempted to process the transaction stuck on the "Processing" screen for 2-4 minutes and then "Network Error Message" Appeared.
ATM began to restart and reset, at that point the screen went Blank and made noises internally, and eventually after 10 minutes turned back on ready for use. At that point, I realized it took my Debit Card and my Funds I deposited with no receipt provided by the ATM to address the amount I deposited... before and after it turned off. At that point, I wrote a note on the First Capitol Schnucks U.S Bank location desk and also put a "Out of Order" sign on the ATM.

I paid off my auto loan on or about July 27. I first called US Bank to ask where by title was on August 6 or 7, and was informed that it would be sent out soon. On August 24 I still had not received the title, and called again. I was informed that there was some kind of mix-up and no one requested my release of title. At that time I was told that my title would be mailed in 3-5 days. Today, September 13, I still have not received my title, and was told by a loan banker that it was sent out on August 13 and that I should check my mail or go get a replacement from the DMV. I need US Bank to solve this issue and send me a clean title.

On Aug. 29th. I filed a claim as there was activity on my acct. I was not responsible for. My card was not swollen, or misplaced. I am a senior citizen on a very limited budget and this put me in a bind. I called numerous times to find out when the monies would be returned. I finally was told today I would get it tomorrow day 10. I was lied to by one young lady, Telling me there w as nothing she could do, there was no one else I could talk to. I have banked with US Bank for years and has always felt my monies were safe. Lately, I have known several people who have had issues with safety and their acct. Kathryn Clapp acct. number [protected].

Today Sept 6, 2018 at approximately 2:oo p.m at the US Bank Bellingham branch 4040 Meridian Street Bellingham WA 98226 . I bank with Chime bank, the ATM finder gave me US Bank location above as a fee free ATM. I inserted my Chime debt card into the ATM entered my pin and selected withdrawal from checking. the ATM then said unable to make transaction at this time, and destroyed my bank card. I approached the teller, and explained what had just happened. She asked me to come back in an hour because the person with keys to the ATM machine just went to lunch. I returned an hour and a half later to be told that the ATM machine did indeed destroy my debt card, and they were sorry. The money I was withdrawing was to pay my rent, contacted Chime bank and they have sent out a replacement card that I won't receive for about 2 weeks. I have no way of withdrawing any money from my bank account, and am unable to pay my rent.

I became aware of an overdraft on my account. I called the local branch in Cookeville TN and talked to 2 Jessicas who informed me that if I made a cash deposit to cover the amount before the end of the day, the charge would go away. Only one item was over by 11.xx dollars but yet there were 2 overdraft charges. By the time I drove the hour to the nearest branch, 4 more transactions were showed as pending along with the 2 overdraft charges, one of which was erroneous.
I put enough to cover all of the debits and $15 more.
I was surprised to see that my account was $199 in the red the next morning!
I was told I would have to talk to the branch manager where I opened the account, which is Emily in Piqua, Ohio, about 500 miles away.

She was willing to return 1 and then 2 of the charges, which left 4 of them, totaling $144. I had 7 or 8 business days to bring the account to a positive, or there would be more charges.
So, why did the deposit I made NOT cover the amounts that were pendiing?
There is some new rule that I didn't know about (and Emily didn't care that I didn't know) and it would be good for all who read this to note: US Bank checking accounts are processed by taking the deposits first, then, ALL CHARGES AND BANK FEES NEXT, then the transactions pending.
So, my deposit was eaten up by 2 overdraft charges and instead of the overdrafts going into the "pending" section, they were marked as "posted" so there was no way to deposit money to cover them.
This is not the first problem I have had with US Bank who touts their "Most Ethical Bank" (Given by the Ethisphere institute, whose members obviously have never banked with US Bank or have ever been a customer) is anything but. If US Bank is the most ethical, the it indeed is the cleanest pig in the mud hole, and not saying much for the banks of America as a whole. I wonder who they would vote is the most ethical gangster?
I will close my account with US Bank when it opens after the holiday. The $144 dollars is the last money they will get from me by cheating. It costs too much to sue them, and even then I would probable spend thousands just to get my $144 back, The Federal reserve needs documentation to make a move and the way the statement are from US Bank are not according to GAAP but holds and other transactions along with their fidelity in being recorded in the correct stream of time, disappear and they will not accept screen shots from your computer.
The only option is to close the account and cease to do business with them.
Brick and mortar banks make more money than any other business by using our money, yet they treat us with such disrespect. I am going to look for another bank, possibly online that is not so shady, playing shell games with my money and then not letting me have it and taking it and using fees as punishment and extorting more if the fees aren't paid. Who else can charge you $144 based on their own calculations and without negotiation or proof, playing by their own rules and giving you nothing in return, yet asks you to pay in 7 business days or they will add more charges?
I was on a long business trip which used up the large deposit in the account, in case of you think I am whining over the NSF charges. I drove from Seattle to TN and had gotten in at 3 AM and still, I drove the 2 hour round trip to make sure my account didn't have an overdraft charge. They count it against you when they decide whether or not to hold a check you give them. It would be nice if all customers paid in cash so that the banks couldn't play with the money from checks, but now they have a rule that nobody else can deposit cash in your account. They say it is to protect us from money laundering, but it is really protecting the bank from doing it, not us. they threw the baby out with the bath water on that one.
Banks are actually making themselves more an more useless to the average American.
US Bank is useless to me and thank goodness, I don't have to put up with their extortion any longer!

I opened a business account in July 2018 at the Douglas Branch in Lees Summit, Missouri 64086 with Eric Gossett (Personal Banker)
The account number I received was incorrect and not associated with my business account, I do not know how this could happen and very unhappy with this event.
I am debating leaving US Bank and do my banking elsewhere, I have been a customer of US Bank for many years and have many accounts. but this mistake has cost me money due to the delay it has caused me to get the right account number and change it for my auto payment from my supplier.
After I get everything squared away and receive payments, then I will decide if I close all accounts with US Bank and change to another banking institution.

Marc A. Miles
Miles Industrial Services Consulting
[protected]@gmail.com