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US Bank Complaints 860

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US Bank customer service

I have a car loan with U.S. Bank. I was receiving paper statements and decided to go paperless with online statements and by receiving email alerts. The email alerts never arrived. Customer Service told me to place them on my 'contacts' list which I immediately did. Still no email alerts. My second call/email to Customer Service informed me that my emails were bouncing back as undeliverable despite the fact that the address is completely correct. They recommended I set up text alerts for my cell phone. I did so. The text messages came...at 5:00 a.m.! On my third contact with Customer Service, they informed me the text messages are random and they cannot control the time they arrive. They also told me regardless of whether my alerts were arriving, it was my responsibility to remember to make payments. After 4-5 months of no satisfaction from Customer Service, I went back to paper statements. I have NEVER had any difficulty with any online banking alerts coming to my email, so something is definitely wrong with the system at U.S. Bank. Lesson learned...never allow your car dealership finance dept to choose your financing company.

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redrob
US
Jul 23, 2009 3:27 pm EDT

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.

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3:15 am EDT
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US Bank late fee charges

I added my us bank credit card to my us bank bill pay almost 2 months ago received a phone call from them stating that I had not payed my bill... I had assumed that us bank would have provided me with bill alerts being that it is after all their bank and also due to the fact that when I set up the bill pay for their card that they issued me the us bank website stated that the information would be added to my bill pay since they have information on the biller that I was adding... Needless to say, no notice was given and yes a "late fee" was charged for what they claim was "my oversight."

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NAS18
Fontana, US
Jan 21, 2010 1:37 pm EST

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?

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volunteer99
Knoxville, US
Jul 20, 2009 9:08 pm EDT

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?

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11:55 pm EDT
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US Bank charge me with fraud

I worked for a company near a us bank, I found out that the company kept all it accounts at the us bank. So I opened a checking account at that us bank, big mistake. My first pay check was placed on hold for over one week. They stated they needed to verify the check. I was promised in writing, after much complaining to have the check released and credited to my account on a specific date. I need to pay my bills and so on that day the check was to be released I sent payments. Well, I found out the check was not released, it was sent to us bank fraud division. They had to check to see if the check was a fraud. Mind you all was need was a call to the company less than a mail away. Us bank claimed this was standard procedure with a check for the amount on my paycheck.. Some $1400.00. After a mouth the what was left of my check was credited to my account. During all this us bank took money, insuffent funds fees out of my check, when one of the checks I wrote came in. I showed the bank manager the letter from them promising me the check would be credited to my account an a specificed date, her rely.."we were investigating a possible fraud"... I was never charged with any crime by us bank or any other agency or person.

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Kevin Mat
Arcadia, US
Dec 01, 2012 12:01 pm EST

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?

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12:35 pm EDT
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US Bank lease

US Bank "steals" again! Actually, my nickname for US Bank is the
"U Suck" Bank of America...Leased a Honda CRV for four years and turned it into the dealership on the due date. Not one late payment EVER! There were NO Excess Wear & Tear damages. The car was in pristine condition with 2, 000 miles UNDER the lease agreement. Then, a month later, I recieved an "End of the Contract" Termination fee for $420 bucks...WHAT! We've leased prior and have never been charged a penny for FULFILLING the lease agreement. I guess this is why the banks are such a struggling financial institution and need government assistance...yeah right. Not if you're stealing like US Bank! I'm done with them and will NEVER deal with US BANK for anything! I'm writing a letter to the car dealerships and urging them to eliminate US Bank as an option for financing any kind of auto loan. I feel like I have to personally do something to stop the dirty scoundrels!

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JANICE
Sep 11, 2008 9:19 pm EDT

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

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Waxahachie
Waxahachie, US
Sep 14, 2013 9:13 am EDT
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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.

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Allan M
Downers Grove, US
Mar 31, 2011 1:07 am EDT

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.

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David J. Garcia
Phoenix, US
Dec 08, 2010 1:54 pm EST
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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.

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David J. Garcia
Phoenix, US
Oct 21, 2010 11:56 am EDT
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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.

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I filed a dispute concerning non-receipt of an item I had ordered. Apparently this gives green dot the right to hold my current balance of funds and my direct deposit amounts (Totalling approximately $3000). What!!! I get ripped off and somehow that gives them the right to keep my money!!! I am a single mother of 4 and they have every dime I have to my name...

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US Bank nondisclosure liechtenstein

I was advised by mr alexander abfalter of bonus capital trust in liechtenstein, that trustes of the justen family trust, are not disclosing a trust to me.,
Mr. Abfalter, handed me a letter that steven knox, truste sent to him that states in writting, thank you for keeping your word on nondisclosure to bill.. What we must keep private are the names of the co-trustees and terms of the trust. Stated steven knox to liechtenstein truste alexander abfalter. This letter is just part of nondiscloser and tax fraud proplems within this group of trustes, who will do anything, keep control of assets that do not legally belong to them, and not pay federal income taxes, more to come.

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US Bank increase in interest rate

I opened my statement today and found an increase in the APR to 15.24%. It was 5.25%!

My situation is similar to others that have posted. I pay on time and i've paid more than the balance due. I called twice today and ended up with a supervisor that treated me like I was an idiot. Where can I go to find out what the justification would be for banks to do this? That's all I was asking. What's going on? Things are happening every month - reducing limits on cards, changing terms, raising rates.

If there is nothing the banks can do, what can consumers do? Anything consumers try to do sometimes create more problems that affect the credit score. This whole thing is getting ridiculous!

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USBankSucks
US
Jan 23, 2010 5:55 pm EST

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!

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Highway Child
Laramie, US
Jun 03, 2009 10:13 pm EDT

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...

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jls
US
May 19, 2009 5:06 pm EDT

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!

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US Bank trustee threatens beneficiary

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

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

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

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

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

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

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US Bank online banking

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

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On December 1, 2008 I have became a victim of identity fraud. All of my personal information was stolen and I was advised to close all of my accounts. The same day I went to my local US Bank branch located in Meijer in Rolling Meadows (1301 Meijer Rd, Rolling Meadows, IL 60008 ph#[protected]) and closed my savings account. At first I wanted to keep my...

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US Bank terrible bank

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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bank stole $400 from me
Manchester, US
Aug 08, 2016 5:06 am EDT
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I deposited $200.00 through ATM. This was my first time doing so. An envelope came out of the ATM and put 2- $100 dollor bill in and put it back to the machine.
I did not get a receipt. When I received the statement I discovered that it showed $200.00 withdraw. I lost $400.00. I contacted customer service and told me that
I do not have any proof and there is nothing they can do. I can not believe their answer. They should have records of all the ATM transactions.
I guess I have to contact Police Department. I want to see their proof of me withdrew money.

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

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

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

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

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

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

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adf
US
Mar 26, 2009 8:27 pm EDT

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

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US Bank illegal cash advance

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

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US Bank overdraft

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

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

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

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

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US Bank overcharged

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

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

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

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

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

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

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

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

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

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

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

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

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

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US Bank fraud and cheating

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

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

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

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

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

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Hendrix
US
Jan 20, 2009 5:00 am EST

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

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

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

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US Bank overcharged

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

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

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

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

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

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

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Joberrty
US
Jan 28, 2010 2:21 pm EST

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

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

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

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

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

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

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

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

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

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Cindy
US
Dec 30, 2008 6:15 am EST

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

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

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

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

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

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Melvin
US
Dec 30, 2008 7:04 am EST

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

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

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Collin
US
Jan 09, 2009 5:56 am EST

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

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Arthur
US
Feb 19, 2009 12:32 pm EST

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

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

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

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

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

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

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

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

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Marcus
US
Mar 01, 2009 10:41 am EST

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

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

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

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Melissa
US
Mar 05, 2009 1:17 pm EST

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

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

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

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

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Victoria
US
Apr 24, 2009 10:20 am EDT

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

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

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

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

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

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

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

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

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

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

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

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

its likely in the fine print where they can do it

so they did

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US Bank fraud and cheating

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

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

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

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

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

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

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hotdoggy
US
Jan 13, 2009 11:19 am EST

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

Here are the numbers I have for them:

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

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US Bank collection agency harassing me, posing as federal agents

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

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

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

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

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

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

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

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Laurie
Haslet, US
Dec 17, 2008 3:16 pm EST
Verified customer This complaint was posted by a verified customer. Learn more

THEY ARE HUGE SCAM - EVERYTHING THEY SAY IS ILLEGAL AND IS DESIGNED TO SCARE YOU INTO PAYING WHAT YOU DO NOT OWE

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

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US Bank offers a range of financial services including personal banking, loans, credit cards, and investment options. They also provide business banking, commercial services, and payment solutions. Customers can manage accounts online or via mobile.
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Overview of US Bank complaint handling

US Bank reviews first appeared on Complaints Board on Sep 12, 2006. The latest review Service was posted on Jun 9, 2024. The latest complaint People should be aware Union Bank uses deceptive bait and switch methods in their mortgage business practices combined was resolved on Mar 05, 2024. US Bank has an average consumer rating of 2 stars from 884 reviews. US Bank has resolved 118 complaints.
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  1. US Bank Contacts

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    Customer Support
    More phone numbers
  3. US Bank emails
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    800 Nicollet Mall, Minneapolis, Minnesota, 55402, United States
  5. US Bank social media
  6. Nick
    Checked and verified by Nick This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Jun 17, 2024
US Bank Category
US Bank is ranked 17 among 414 companies in the Banks category

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