US Bank

As part of my relocation benefit, I was offered a special package from my employer (Merck). I decided to go with US Bank. I applied 2 months before the closing date and provided all the documents requested within hours of the request. Still, the person in charge of my mortgage (Melissa Griffith) managed to make one mistake after the other. First, she locked my rate for the wrong date, a few days before the closing instead than after. I had to correct her. Then, she made mistakes with the request for documents for the underwriting process, which created quite a bit of confusion and concerns. I had to undergo underwriting twice because she forgot to ask for some documents the first time. Even though she had 2 months to request the process, she managed to waste time and put me in the situation of possibly losing my earnest money. Finally, I was supposed to receive the final disclosures "at least 3 business days before the closing." Well, not only I did not receive it, but 2 days before closing, she called me saying that one extra document was missing. Now, I am supposed to close in 2 days and I still do not have the final disclosures. Not sure whether this will result in a delay or financial loss on my end. I wrote my relocation company and Merck (Dow Jones blue chip company) asking to NEVER send any client again to US bank for any future relocation.

US Bank is lazy, incompetent and they don't protect your money. Early this year I was doing business with a Chinese company who charged me for products I didn't order. I was told to submit the paper work for the dispute three different times only to eventually find out months later that my case didn't qualify for an ACH dispute. I try to contact and complain to these dumb [censored]s that they should have told me this in the first place instead of wasting my time. Instead of accepting any responsibility for me being given the wrong information they try to act like it is my fault. How stupid of me to trust these people given their lousy reviews and reputation. They wasted my time, and lost me my chance to dispute it on Paypal which is what I should have done. They waste my time further by responding to my complaint with the BBB by sending me 2000 sheets of paper. Way to go, US BANK, you suck at protecting the environment too.

The second time they have burned me I am done. I had stayed in a hotel and left to move in an apartment. The hotel lies and continues to charge my bankcard knowing very well I have long checked out. I have my dated signed lease, movers and Irvine Company to verify when I moved in. Does US Bank take my evidence, no. The hotel says yep and that was good enough for USELESS Bank. Way to go in customer protection and how proudly you guys support fraud. It takes one to know one I guess, don't mind me over here with my solid evidence you never bothered to let me show you! And thanks for all the call backs from your debit card division. Of course I did NOT GET ONE! There seems to be a pattern amongst US Bank in its shady lazy way of handling anything. I am getting rid of this bank, I hope all of you guys do too and spread the word. You would be better off sticking in your money under the mattress than trusting a dime of it with these useless [censored]es!

I received my PUA on the Ohio US Bank ReliaCard however I was in a bad accident on January 1 of 2022 I was not released from the hospital until May 13 of 2022 once I was released from the hospital I realize that my phone my purse my wallet all of my identification along with other debit cards were not with me in the hospital I went to the nurses station to ask for my phone at that time as when I began to panic because no one had ever received my purse with my phone or my wallet and personal items is what I was told I waited a few days to see if the hospital could actually find my belongings and they did not at that time is when I went to my phone company supplier and bought another phone trying to log into my account and that is when I realized my account had been drained empty all of my money completely gone over $14,000 I immediately contacted U.S. Bank to start a dispute I sent them my police report my hospital discharge papers all of the information that was requested it has been two months now and they have yet to refund my money and they have denied me twice at this point I’m thinking I need to get an attorney I made my dispute on May 18th but they emailed me the forms on may 21st

I explained everything to them I explained how my phone was stolen my purse my wallet and all of my identification items inside of my purse I explained to them that someone was using my phone because I have proof for my phone company and how I know that someone even card the ReliaCard phone number because it is on my phone statement I’ve been sent them an identity theft report along with police report numbers and more discharge papers for them to only deny me again it has been a nightmare and I am getting absolutely no help I’m getting hung up on and laughed at I have never experienced anything like this in my life I am a victim of identity theft and fraud please help I was told I would have a provisional credit in 10 days that did not happen they waited until the 30th day to deny my claim then re-reviewed it and denied it again I initially was told on the 30th day that it was denied because they could not read my fax or my email yet I spoke with someone 15 times and no one ever told me that until the 30th day and then however Resent all of the documentation back along with identity theft report discharge papers everything that I could think of it took them a day to deny my claim again I lost everything while fighting for my life and I have nothing now and they think it’s funny!

I assumed a US Bank Lease of a 2019 Tesla Model X in April 2020, On March 26, 2022 I purchased the car from US Bank. Although I have called many, many times, I have still not recieved title to the car. The registration has expired and I can not only not tranfer it into my name, I cannot pay to keep the registration current. I have called many times. I have never gotten a number to call back. The most productive conversation I had was about 10 days ago with Brenda who thought there might be some confusion because the lease had been assumed by me. She asked me to send a photocopy of the registration in my name along with the Escalation number 829658g6z3v0, She said that it had been escalated JUne 8. I have faxed the pink slip to the number she gave me [protected] ) but still have no response and no pink slip. She said this would go to the Collateral Lien Department.

Can someone please contact me and get this problem fixed. You have had my money since March! My e mail is [protected]@bfbst.com. Phone [protected]

On June 9th I tried to deposit into the atm, the atm crashed and my money was not deposited, immediately called from in front of the atm to file a claim, as I have 7 kids and this was my food diaper and formula money. They said they do no service there atm and it would take up to 25 days. On june 21 I called again and was told they would put an expidite order on it and it would be 24-48 hours. On june 22 I was told my claim was denied! It was denied becuase they used the wrong time! They dd not use the time I called or the time I called them. They used a random time, checked the cameras and denied my claim. I re-started my claim and now they are telling me it can take up to 45 days! THIS IS SO UNECACCEPTABLE I HAVE KIDS TO FEED and diaper, This has caused me so much distress to the point that I am having panic attacks, as to how I am going to feed my children until my next paycheck. I will be closing my US Bank account as soon as my money is released BACK TO ME! Common sense says the ATM was over by $740.00 the amount that i was trying to deposit, that money should have been unaccounted for and returned to me.

i have been with us bank 13 years i cant get a credit card line of credit or anything im going to sell or refinance to get them out of my life for good

UC FRAUD VICTIM, NOT BEING PAID UNTIL MAY. Card activated in May 2938 ending in.

Spoke with Lucile first, said she could not help this is fraud... Accused me of not making sense. I speak & am an educated adult. Found out they are not allowed( by Neil/supervisor) they are not allowed to take notes when speaking with us. I did NOT ACTIVATE THE CARD ENDING IN 2938 until I heard on the morning news our payments had to go in the US ReliaCard BC of too much fraud. I myself ONLY ACTIVATED THE CARD IN JULY! Only used it two weeks to file. I then saw we could go back to our regular bank deposit so I changed my direct deposit back to my REGULAR PNC BANK! Then the end of July I got an alert from US BANK at 5am, said someone was trying to overdraft and take out $175.00. I immediately called US BANK. Spoke to a lady for one hour at us cardholder services. She NEVER SAID THE CARD WAS ACTIVATED SINCE MAY! I have NOT BEEN PAID SINCE MAY! Someone changed my direct deposit 4 times in the UC system per first conversation I had with IS bank! The lady from US bank deactivated the 2938 ending us bank card & re issued me a new card. Got the card a week later! Never used it one TIME! Called US BANK AGAIN BC I WANTED TO KNOW WHY WHEN I CALLED TO ACTIVATE IT JUST IN CASE UC puts payments mandatory on US BANK IT WOULD BE ACTIVATED. I DID NOT KNOW THAT WAS MANDATORY THE FIRST TIME! After speaking to Lucille, she put me on phone with supervisor Neil...he was extremely condescending and acted like I was the criminal when I am the FRAUD VICTIM! BTW, IC NEVER TOLD ME ONE TIME I WAS A FRAUD VICTIM IN THE FIRST place! I found out when I wasn’t getting my payments since may! I asked Neil to send me recording of when 2938 was opened & all transactions, he was so rude to me I was so upset I got a panic attack and had to hang up. After this they mailed out 6 cards to 6 different people and address and stole my entire pua benefits totaling 18,036.00! us bank knew I was an identity theft victim and did nothing to help me. They never filed the report so I could get the money stolen from me!

VF Corp. I started sept 5th 2017. Pandemic happened March 3rd, boss tells us if we have severe medical issues we can take medical leave. That is when I applied for benefits after my medical leave pay expired from work. I was fired( let go honestly bc COVID 19, Drs wouldn’t allow me to work there bc they were not following procedures and I was too high risk to work in a warehouse environment). Since May, I called UC HELP SEVERAL TIMES! NOBODY WILL HELP ME! I called the fraud #, NEVER HEARD FROM THEM! I want to know where ALL MY MONEY IS FROM IC FROM MAY UNTIL JULY 2021. INHAVE DOCS SHOWING INHAVE NOT BEEN OAID CORRECTLY! I spoke to treasury & the gentleman told me yes Maggie you were only paid on your PNC BANK Twice! Once in June, once in July! The only people I can think of would be the temporary agency’s h.r lady’s at VF Corp bc they had

To whom it may concern,

I hope this message finds you well. My name is Chrystal Swann. My Tax client Amber Branch and I will be filing a discrimination case against US Bank. Unfortunately they have selected to target against people that are of minority status and that are women.

We have been promised/stated that if documents were provided that you personally would mail my client their funds back my client is nearly on her deathbed full of Covid and homeless and yet you guys have not sent funds back or issue her her a cashiers check to her address.

I have knowledge that US Bank went over up and out for my Caucasian client Rihanna Meacham Who is and was not an authorized user on my account was able to be accessible to my account soley by using banking account information off her tax paperwork and she was granted access to all monies in my account same-day from out my account and return she was issued a cashiers check same day!

I was notified by Matt in EFRAUD in regards to the Zelle transaction I sent earlier, I had no knowledge of anything else until 4 weeks later that anything that was stated above.

Mind you the thug they authorized access to my funds was committing a criminal act against me as a tax professional who loaned funds to individual that found away to acquire these funds to defraud me as professional and skip out on repayment.

March 6, 2022 was the last time I was accessible to online banking and was told my accounts were closed and I would receive my remaining funds in my personal and business account. They also have refused to mail my statements for my records unless I came in to local branch! The nearest location is 260 miles!

I have yet to receive my own monies from my personal account or business in which had nothing to do with there erroneous reason for holding up my funds lying to me verbally and through via mail correspondence my accounts were closed and wouldn’t be receiving anymore deposit but they did continue meanwhile stopping my direct bill pay causing the sheriffs office to send me certified mailing of bad check for utilities services.

I have done 4 complaints in which I was told Within 2-3 business days a representative would call me it’s been 5 weeks yet to called it’s been 4 months since they received my clients taxes in which we filed a f3911 document to Irs and Tax bank has also requested via fax on May 1 2022 sent 3 x a request to send back tax clients funds on on May 17, 2022 they emailed bank brand manager whom had stated she never received faxes. She has also yet to own up to her lies that she promised and since then every effort I try to call in reference to this issue she is always in meeting, doing interview, out of town, in the bathroom.

She had advised all her reps to lie to be rude and to HANG up. Fraud Liaison advised me that they no longer had issue and that the Bank branch manager was the one who decided when I was to receive my monies and or to send back clients funds who provided Drivers License Passport Social Security card 2020 2021 Taxes official tax transcripts and mailed correspondence in reference to her funds as well.

My client is very Sick at this time and unfortunately homeless as well in which caused her to catch Covid when being evicted because she needed her refund to catch up on rent since she was unfortunately denied rental assistance in her state. This could have been prevented but because we are BLACK WE WERE RACIALLY PROFILED AS MODERN DAY THUG CRIMINALS! The real thugs are US BANK we know why there’s no A on it because they’re not providing services to all AMERICAN PEOPLE!

It sadness me that people of higher power think it’s okay to treat me and my people as is we are slaves dirty negros or whatever but I know this my Ancestors have already paid the way for us and I refuse to be a victim of this malicious treatment.

as of June 9,2022 I was informed that Matt on May 19, 2022 went online and wire transfered my funds to himeslf instead of sending tax funds to tax bank and issuing my funds via cashier check. But mind you how bank manager stated on Monday he sent funds back to Irs and she was unaware of my remaining funds!

Chrystal Swann

reference number [protected]

https://kstp.com/5-investigates/banking-while-black-more-complaints-of-discrimination-as-u-s-bank-ceo-promises-change/?amp

On Thursday May 26, 2022, there was a dispute filed pertaining the situation of funds being sent to a debt card that I gave no consent to have, nor did I have any knowledge of the previous cards. On numerous accounts I reached out to Relia Card customer service about this matter. I was told on May 26, 2022, that I would be given a Provisional Credit, and my assets would be deposited back into my account. On June 7th,8th, and 9th, I have been disrespected by employers. US Bank Relia Card, refuses to give me my Provision Credit, As I have been found to be NOT at fault, I am still being denied my Provisional credit.

Beth and David have a small business Bookkeeping and Tax solutions, LLC. We opened an account with US Bank for our business with Beth owner and David was the authorized user. The ad stated that we were suppose to receive $500 once $4500 was charged within 150 days. The ad was misleading because the bonus was only for Beth and not the company. The purchases made from David's credit card did not count to the $4500 charges. This was not typical with other credit card bonus offers we had experienced. We called USBank customer service and the lady advised that we did not qualify for the reward. She escalated it to her supervisor Kenneth in the solutions department. The call number was #[protected]. He also advised that we did not qualified and did not provide any solutions to receive the $500 that we thought we were due. When asked to talk to his supervisor or department manager, Kenneth refused to do so or give us the department manager's name. He lied and told them he did not know his bosses' names or the name of the president of the company.

My names is james spano jr (reference account ending 9242) I have faxed you supporting documents of agreement and the payments which fulfill the agreement Americor agreed over a month ago. Under your previous review of the documents, US bank states there was a default on the agreement but wont tell me why. Americor (debt consolidation company) stated they cannot contact you since under their legal review of the documentation, the agreement was paid per agreement. My arrangement with them was completed a year ago. To confirm this, I have called them and reviewed the agreement and payments with them and concluded there was no defaults on the agreement. I have spoken with a lawyer and he agreed that the contract was fulfilled. I would rather try to settle this matter with you instead of taking legal action and am using this as my last effort before I take plan B (Legal action)

Please get back to me ASAP. I've been going back and fourth with us bank and americor financial for the last few months and am frankly fed up.

Sincerely,

James.

In the beginning of March I called USBank as to inquire about closing our business savings account. Since then and ending today May 24, 2022 I have spoken to at least 8 different individuals. I will bullet what I have been told and told to do:

* Need to go to branch.

No Branches in Florida. (every person says to do that)

* Need to have online account so as to transfer money to another bank.

Did that...took a week or so to complete. Could not transfer money.

* Need to have Debit card with a pin number to transfer money.

Applied/Ordered Debit Card. Another 2 weeks. Made absolutely no

difference with online account.

* Transfer money thru online account transfer.

Was not able to do. Never was told why I could not transfer to another

bank.

*Again a check will be mailed within 24/48 hours.

Never received. Waited another 2 weeks.

*Called again...May 17th after being transferred 3 times was connected with Business Solutions. Carla. After 5 minutes of verifying account and being on hold several times she said "Cashiers Check" will be mailed. I inquired if I could just have it wire transferred to another bank. No..can't do that. Carla says 1-2 days to verify then 1-2 days to be mailed. She would call me and advise when this was completed. She verified business address and phone number to call me back on. Asked for confirmation number..she gave me a tracking number: KME101023.

*Called again today May 24th to check status of mailed check. Talked to Beth.

After starting to go thru the same process again...I was getting very upset with the same blah blah blah information. She finally informed me that a check could not be mailed and had to go to another bank account. With that information I really was upset. I told her that is exactly what I wanted to do and was told it couldn't happen. She insinuated that it was my fault that because they have been trying to contact me and I gave them a non-good number. She told me that the last 4 digits I gave Carla was 5151... I advised in a not so nice tone that I did not...my last 4 is 5400 and that number has been given to several different people since March. Again I was told someone will call me. I advised Beth that if I did not get a call I was filing a complaint as this has been a nightmare for 3 months! She told me I could not file a complaint because I have not followed Prodo call! Excuse me...I think USBank has not followed Prodo call.

After reading all the complaints regarding USBank I will have no hesitation contacting my attorney and filling a formal complaint with several federal agencies.

I deposited a check from my mother in the of $200.00 on Sunday 05/21/2022 in Reno, NV. at the US Bank inside Safeway on Mae Ann at 11:15 AM. I knew this money would not be available until the next business day which was Monday 05/22/2022. My deposit slip, however showed the balance being $201.68.

On Monday 05/22/2022 I checked my balance on my computer that morning and it showed that I had $201.68. I went to Wal Mart to buy dog food and my debit card was declined. I thought maybe I entered the wrong pin number, so I tried again, and it was declined. I tried doing a credit transaction, it was still declined. So embarrassed I walked out of the store and called US Bank at 903 Colusa Ave. in Yuba City, CA. I was told that I was negative $34.96 and the check I had deposited was red flagged and would not be available for up to 14 days. I then drove to the bank and went inside and talked with Nancy Velasquez, who told me since I deposited this check in Nevada it was red flagged for fraud.

I could not understand why depositing a check at a US Bank branch in another state would red flag a check that I deposited. It just does not make any since at all.

She gave me a phone number to call since it was almost 5PM, the bank was going to close, and she could not help me any further. I called the phone number [protected]. The lady whom I spoke with said it would not clear for 7 days and to read my fine print in the bank contract.

I read my contract and it does not state anything about a check being held for 14 nor 7 days.

It states that only $225.00 would be available the next business day. The check I had deposited was only for $200.00.

I am on a fixed income and my mother wrote me this check to help me out with food etc. until my social security check was comming on the 1st. of next month.

I was also so upset because I got 3 different answers from employees inside the bank and on the phone of how long this check would take to clear.

Hello, my name is Theresa Staley and I am the POA for Linda Buell.

An individual, I believe is named Layla in the Fraud department froze our account, froze the checks that we had issued, and sent an email stating we needed to verify the checks that were being written.

The owner of the account' Linda Buell, and I called her direct line and confirmed the amounts and that no fraud has taken place. Layla stated that I needed to take the POA paperwork to the bank before she will unlock the account. I promptly took a day off from work and supplied the POA to the US Bank in Keizer Oregon.

We have been trying for 3 weeks to get this resolved. Each time we are told we must speak to Layla. She has answered the phone three times when we have blocked our caller ID and she immediately disconnects the call when we say who we are. We call right back, no answer and we leave messages with no results.

As the POA, I called customer service and a supervisor came on and was rather patronizing. I asked for Layla's employee number or last name and was promptly denied both of those requests. I then requested to speak to Layla's manager, she stated they would have to call me back I am still waiting for that call.

Out of frustration, Linda Buell requested that I remove all the funds from her account as she did not feel Layla should be able to dictate how she spends her money. After we removed all the funds, Layla then released one of the checks which then put the account in negative numbers.

Linda and I again called today. Once again we were instructed that we have to speak with Layla. Layla answered the phone and promptly disconnected the call. We called back, no answer.

Layla has stepped outside the boundaries and continues to intentionally create issues for us regarding this account.

Linda Buell who had banked with you for many years is saddened by the treatment she has received.

I called in today to speak with card services about a dispute I had filed on a charge on my credit card. I initiated the claim in March, and I sent in my initial request to dispute the charge. I didn't hear anything back until last week 5/3 I received a letter dated 4/29 where they claim they investigated the claim and found that there was nothing they could do to help me resolve it. But I don't feel like US bank did their due diligence investigated the claim. If they did, they would seen that the copy of the signature they sent back to me was not even mine it was for someone else who authorized the charge on my card, but because the vendor was able to provide a signature they just accepted it. It wasn't even near my name so it could not have been a mistake. What's the point of signing if they don't really use that to verify its you? TOTAL BS and the representative was not helpful at all she just said nope that was the finally decision?! I do accounting for work and handle card disputes and the banks normally always allow the vendor and consumer the opportunity to appeal any decisions made on a claim to allow each party sufficient opportunity to provide all details of the transaction before a final, final decision is made. BOOOOO US Bank Card Services. I have 6 accounts with US that I will now be closing to take over to another bank.

I disputed a $69.99 charge from Mcafee Internet. I was temporarily credited the charge back. I was later sent a letter in the mail stating I didn’t need to do anything further at the time. My balance was 0. Come to find out. They reversed the credit. Mcafee then charged me $49.99 the following month. Us Bank tacked on a $40 late fee. I got them to waive the late fee, they have temporarily credited the 49.99 charge. I’ve spent hours on the phone, 2 times I was told a specialist would call me within 24-48 hours. Still haven’t received a call back. I was emailed, saying they were investigating the 49.99 charge, but the email didn’t say anything about the 69.99 fraudulent charge. There are hundreds and hundreds of cases of fraudulent charges concerning Mcafee internet security. I was told again yesterday, that a specialist would contact me after the 40 minute call with no resolution. This time within 24 hours. 24 hours has passed. So many complaints on consumer affairs among other websites concerning Mcafee internet.

I attempted to book a flight for my wife using my travel awards. I was able to do this on line with little to no trouble. What took place after was a nightmare. Several days after booking we received an e mail from the airlines indicating there was a change to the flight schedule and to call them. Calling them we learned the time changed but the ticket was not issued and was on hold due to lack of payment. Called US Bank travel awards, gave them the flight info they sent us and the conversation we had with the airline. The agent said, “ sorry about that I’ll get that taken care of right now”. My problem was assuming she would have. The day before the flight. I went on line to check my wife in for her flight only to find out the checking could not be done because of the ticket issued and to call the airline. I did, called was on hold for 48 minutes took the option of pressing 8 and have them call back when the next agent was available.

That was at 2pm at 6:04 they called and I was told no ticket was issued because they never got paid and I should call my travel agent. Again I called US Bank travel rewards number. Spoke to a lady who was going to connect me to someone that could help. After several minutes I got a dial tone. Called back to no avail, asked for a supervisor and got one who was going to fix it. After being on hold was told I was right the ticket was not paid but if I continued to hold he would get back to me. He did, 1 hour and 6 minutes later he assured me the ticket was now good. He was not allowed to give me a managers name or number to talk to. I told him I wanted to know how this could happen as the points were deducted but the ticket not bought. And, I did not want to hear COVID issue. I have my retirement accounts two savings accounts a checking account and two credit cards with US Bank. I want to hear from someone buy Wednesday May 11th or I’d be closing these accounts. It is bad customer service to treat a customer this way. Not allow me to speak to a manager or

to have me make all these calls and wait all this time to use travel awards. The travel documents are: [protected] ADW5PR original airline ref. N3FLNV

To whom it may concern;

Back on 2/25/22 I received a phone call from an individual claiming to be from Excel Energy. They stated that I had a past due balance that needed to be paid immediately to avoid my electricity from being shut off. The caller stated that I needed to pay $200.00 via Zelle to avoid the disconnect. After I sent the initial transaction the caller then stated I needed to pay an additional $199.00 for an outstanding fee owed for my new digital meter. I asked to speak with a supervisor and was transferred. They reassured me this was in fact Excel Energy. However, after I hung up I immediately called Excel Energy and realized I was scammed. After feeling humiliated, I reached out immediately to US Bank Fraud department and filed a claim. After numerous follow up call to the Fraud Department, I was told my claim was denied. I was also told they would continue to investigate but over 2 months later I still have not had the transactions reversed on my account. Needless to say I am extremely disappointed with the outcome and customer service I have received throughout this terrible experience. As a loyal customer of over 20 years I can't for the life of me understand how this outcome was reached. I am requesting to have the $399.00 charges reversed. Thanks in advance for your attention to this matter.

Sincerely, Michael T Rosendale (Account ending in [protected]

I am writing to seek assistance with obtaining a refund, after finding multiple unauthorized charges on my US bank reliacard. I am registered nurse in PA, for over 15 years, who needed to take time off from work to receive treatment for cancer. My company allowed me to collect unemployment during this time. After getting through my cancer I went to use my card, thinking all of my unemployment funds were still on there, because I did not use any of the money being so I'll at the time. Much to my surprise, I found over $17,000 in fraudulent charges made on account. I filed a dispute letter, called multiple times and am still awaiting to be refunded. Please can someone help me with to obtain my money back. Tysm

I read another complaint on here for this exact problem so finally I feel like I’m not crazy! I will look at the bank at midnight and there’s money then I will look at 1 and there’s money. By 3 I have 7 overdraft charges. Today I received 7 more, I only had 9 transactions in the past two weeks. I called the bank and they say they have never seen so many charges. The put me on hold to speak with a manager and after 15 minutes they come back and say I have deposited way more than I spent and at the very least 10or more charges of the 21 this month are wrong. They say that they saw where last month the bank had an error due to time zones that they corrected and looking through everything they see that there is an issue. However the branch must deal with returning my money. I call the branch and explain and I’m told they won’t just ge returning fees but they will look it over and let me know what they see. I am a controller for large multi million dollar companies, I know accounting. I have 35 years of experience dealing with banks, doing accounting etc. what I’ve encountered is US bank likes to overdraft accounts based on pending items, etc, no matter what I show on my end, a positive balance, they show overdrafts. I’ve tried and tried to work with them but they have been condescending and rude, and they just keep coming up with ways that make them right fit charging fees. Last year they took around 6000, and this month almost 1000. I’ve filed complaints but I can’t win because they show paperwork that contradicts what I see on my end but makes them right. Clearly this bank will do anything to steal your money. I have had a few people there who have tried to help and have provided customer service but unfortunately I’ve had at least 50 that refuse to do the right thing. I’ve been with this bank for 32 years but I’m leaving this is the worst bank I’ve ever dealt with. Run!