US Bank

I have been going thru a difficult time since losing my roommate and have been trying to get US Bank to work with me for a couple of months to lower my credit card payment from $225.00 t $175.00. They refuse and won't even let me speak with a manager. They will not give me a manager's name or telephone number. I have paid (on time) on this account for approximately 25 years. I could have declared bankruptcy and not paid the debt at all but have refused to do that. I am sure they want me to be late on my payments so they can increase my interest rate. The CEO states that "Throughout its history, U.S. Bancorp has operated with a tradition of uncompromising honesty and integrity." That is difficult for me to believe.

I have tried unsuccessfully since July 23, 2010 to resolve a very simple matter to obtain a lien release from US Bank, corporate office in Wisconsin.

When Other financial institutions share their disdain with working with this bank and after reading numerous customer complaints about the customer service and loan departments, I am not surprised that I had the experience I had.

It seems that many people don't know how to escalate their problem to the upper management of US bank.

I would like to share this information that is public knowledge for those frustrated by the lack of common courtesy and integrity that seems pervasive in these departments when asked "who is the president of the bank and how can he be reached." There is one obvious solution. Take our business elsewhere.

US Bank incorrectly charged me with $112.50 in overdraft charges. I call the customer service line for assistance. The Rep. did see the charges were incorrectly charged to my account. I asked the Rep to remove the charges from my account. The Rep informed me she was unable to remove the charges and I would have to go back to the bank where I opened the account. I informed her I no longed lived near the branch and was there any other way to resolve the issue. The Rep told me the only way I could resolve the issue was to go to the branch. I got the issue resolved after having to make a 115 mile round trip drive to the branch where I originally opened the account. THANKS US BANK FOR MAKING ME DRIVE 115 MILES FOR YOUR MISTAKE! CAN I CHARGE US BANK FOR MY GAS AND TIME.

We took out a mortgage loan on a rental property of ours. Actually we had several with US Bank. When we decided to sell some of our properties, we went to the closing and found the bank had assessed a $13, 304 prepayment penalty on a loan of $123, 000. Now we also sold another property the same week that still held a mortgage of $73, 000 and the prepayment penalty of that loan was $250. The loans for both those properties were opened on the exact same day and sold a week apart. We were appalled that there could be such an enormous difference. I talked with the US Treasury and several bank executives, but with no luck. Warning to anyone dealing with US Bank, be sure there are no prepayment penalties.

I was employed by a start up LLC as an office assistant. I have not worked for that company for a while. But since I was the one that dealt with the bank they are punishing me for the delinquency of the previous employer. US Bank credit card department is fraudulently claimed that I have authorized them for such deduction, when I refuted their claim they changed their tune and now they are saying they are legally allowed to get money from my account for my previous employer's past dues.

I thought the LLC's are made for protecting people from personal liability. I did not even have any share in that company and and only handled their accounts, unfortunately I have bank account with US Bank and they are taking illegal advantage of this fact.

I need some advice, do you think I can file a police report for fraud, because they are dong it without my authorization and any court action.

I signed up for the program they were offering that automatically transferred $25 from Checking to savings each month. After realizing that they hold checks for way too long and going out of town for 10 days and getting hit with hundreds of dollars of overdraft fees, I decided to take my business to Chase. I kept my US Bank account open however, and left $15 in checking. July 1st came along and US Bank took it upon themselves to continue the savings transfer program even though I didn't have $25 in my checking account. They overdrafted my checking account and transferred $25 into my savings account. They then charged me a $25 negative balance fee. The kicker is that the month before they apparently did something different with the transfer and my savings account ended up being -$25, so the $25 that they transferred over just went to pay the negative balance that they created the month before. US BANK IS DETERMINED TO STEAL THE MONEY OUT OF YOUR ACCOUNT AS FAST AS THEY CAN! Read all the other posts that say the very same thing. When you question them on the wisdom of overdrawing a checking account just to transfer money to savings, they reply with a smug letter explaining how hard they work to meet stringent quality standards and exceed customer expectations. Horrible company...even by banking standards.

I made an ATM deposit and withdrawal at 11:45pm on the 28th, but says posting on 29th of June, . Before I left, I looked online and saw that transactions that I had made on the 26th but posting on the 28th had cleared, nothing pending and still had money in bank. The next day, there were 3 overdraft fees and question marks beside the previous transactions. There was nothing negative until after the NSF's. The following day two more NSF fees. I went to branch and although the employee agreed with me, the manager said that she would not reverse them and stated that they affected the other transactions even though I had enough money to cover them. States that they held $50 of my deposit until following day. I was told that a deposit made in ATM was not posted until next day and also told that the deposit for $150 only gave me access to $100 until it posted. Seems like the computer had it right but the employees made it logical for the NSF's. How can a transaction that happened a day after everything posted affect the account when it wasn't negative? I could understand the last two but nothing before that. I'm an Inventory Controller and numbers person, there is no logical explanation for what I am looking at and have also printed for proof. They have taken $187.50 out, making me short on my rent. I have been a customer of US Bank for 7 years and have caught them in so many errors that I watch my account daily. This is bad business to say the least! I also called their 1-800 USBANKS number today and was treated rudely and told that there was no way that I could dispute this action. Are they right or can you help me?

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

Where do I start?

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

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

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

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

U.S. Bank has the sleaziest marketing practices. When my daughter was 18 she signed up for 2 U.S.Bank accounts at an all day rock concert. they were giving out free tee-shirts. She kept getting letters from U S bank for several years with a statement. Finally when she was 21 I called them and threatened to sue them if they did not cancel both accounts. They only cancelled one so I had to call them a few months later to cancel the other one. She never even received the credit cards for the account, but they sent her cash advance checks.

This Sleazy bank markets to 18-25 year olds at Rock concerts, and College weekend parties when they are loaded and/or drunk. Lots of these students and young people are not in any condition to legally consent to U.S. Banks terms and agreements. I am a lawyer and this disturbs me.

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

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

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

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

Why?

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

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

Us bank is crock, thieve, robber.

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

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

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

Finally they passed me to supper chiter.

The super visor mr taior morgan.

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

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

…….

This is what they did to me.

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

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

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

My Fiance and I deposited some money after hours and then took some out because we needed it right then. We were under the impression that a bit of that money was avalible now and some you had to wait until bussiness hours for it to be in the account. We also forgot to put the check into the deposit envlope as we were in a hurry. We realized it later that night so the next moring I went in and thought I had cleared up the matter. Not long after we recieved a letter from U.S. Bank stating that our account was to be closed because of fraudulent activity. Mind you we recieved no warning that this was going to happen they froze all of our money. Plus my fiance had a check that was being direct deposited that day. So we call the bank and they said that there was nothing that they could do about it we had to call the fraud number and so on. Just to find out that there was nothing that we could do that all of our hard earned money was now theirs. They did however let us know that in 30 bussiness days we would get the money back. Which was a slight relief that we would at least get the money back.
Now we recieved a letter in the mail that we owe 1100 and that if not paid my fiance will be charged with a felony for fraud. We got this call from a lawyer who would not give us any information on where these charges had come from and where our other money had gone but he did know everything about us which i found to be very creepy and unsettling. He did say that we owed $210 im not sure why and the rest of the charges are for lawyers fees. This is just redic, so my fiance might go to prison over something that I thought that I had resolved right from the begining. We wil never ever bank at U.S. Bank again and I will make sure that all of my friend who have accounts with them know how they handle bussiness. I'm lucky that tomorrow I get money from my annuity so that I can play the money so that my fiance does not go to prison over something so stupid. It just makes me sad because that money was suppose to go towards hospital expenses when our baby is born this Novmber. Instead its going into the greedy pockets of U.S. Bank, but I"m sure they needed that money way more than a couple expecting their first child.

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

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

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

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

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

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

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

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