US Bank
Reviews and Complaints

My fiancé and I both applied for a US bank credit cards (Altitude Connect) when our furnace suddenly went out and we had to buy a new one quickly. Instead of using the 0% APR with the furnace company to finance our furnace we opted to both apply for US Bank Altitude Connect credit cards because of the following Offer: "Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more." As well as an extend pay program which states " Extended payments for unexpected expenses. Pay over time on purchases of $100 or more with no interest, just a small, fixed monthly fee."

We both apply for the cards, we get approved, we discuss in great detail our plans for the cards to the representative on the phone... each earn a little over $500 as we were both spending $5570 on our furnace, sign up for extend pay which would cost less than $100 and make monthly fixed payments with zero APR for our purchase and basically each get $400 for a total saving of $800 off our new furnace.

SOUNDS LIKE A GREAT PLAN RIGHT? This was the worst plan and here is why. You must apply for extend pay within 60 days of your purchase, you are unable to sign up when you make the purchase you must wait until you are sent an invite to start the extend pay. Month one goes by we both pay over $100 in interest while waiting for the invite for extend pay, 60 days go by an still no invite for extend pay after several calls to Bank Of America they make it very clear they have ZERO control over the extend pay service they advertise. At about day 65 we get an invite for extend pay, thats 5 days past the deadline and we no longer are eligible. We call Bank of American and again this is out of there control they can do nothing regarding extend pay. I do however explain my story to a representative and US Bank does refund our $100 in interest we both paid the previous month. So we both transfer our balance to other cards with zero APR for balance transfers we pay the 3% fee for the service and start making payments.

Since I now have no balance on my US Bank Altitude Connect Card it's time to get the cash rewards off the card. I attempt to transfer the $557 to my bank account as stated above CASH REWARDS...here's the catch you must have a US Bank account to transfer it to. So now I either apply for a US Bank checking or savings account in which my credit takes a soft hit, just so I can get the money I earned from the rewards program, or I get a $557 gift card which doesn't help me pay off my furnace and is not something I need.

My fiance and I have spent countless hours on the phone with US Bank since the day we decided to go this route to TRY to save money on our furnace. As soon as I get my $557 that is owed to me I will destroy my card, cut all ties with this company, and NEVER do business with them again..

It is completely unbelievable that it took me 30 minutes to talk to someone. I deposited a payroll check yesterday and they are telling me that my funds won't be available untill the 20th 8 DAYS! WHY! AND THEY TOLD ME THAT I CAN'T TAKE MY MONEY THAT I EARNED BACK!

I HAVE BILLS TO PAY!

I PERSONALLY WENT TO THE MORRILTON ARKANSAS BRANCH YESTERDAY 7/11/2023

I'M SORRY DOESN'T HELP ME AT ALL

I opened up my account about 2 and a half weeks ago. I had just got released from prison and had a $19,000 work release check that was printed off of us bank. So I had my id with my prison address on it but used my new permanent address. That was no problem. No issues or anything. So everything went fine got the money in my account right away. Fast forward to last Thursday. Go to use my debit card and it says inactive card. So I call them and was told they put a hold on all my funds. Because my address on my id didn’t match my physical one. Which were the documents they accepted for me to open the account. So I went yesterday to get my new updated id with correct address on it. I took it in and basically was told that they would resubmit it and that was it. I haven’t heard anything else. I don’t understand how they can do this to people. I need my money. What can I do.

In May 2023, I was notified by a US BANK customer service representative upon calling that my account should not incur overdraft fees on my account (0064) if my transactions were under $50.00. At that time, the fee I was charged was waived and an apology issued for the inconvenience. I took this information to be accurate and had no reason to otherwise question its accuracy.

Another overdraft fee was incurred on July 6, 2023 under $50 and I contacted US BANK customer service on July 7, 2023 who then advised me that the "under $50.00" information I was given was inaccurate, but not to worry because my account was protected with 24 hour automatic refund of overdraft fees if the account was returned to a positive balance before the close of business day (5pm). I was directed by the agent to bring the account to positive immediately and the $36 fee would be reflected as returned to my account the night of July 7th.

July 8th, the fee had not been credited back to my account and I contacted US BANK customer service to inquire about the delay. At that time, I was informed that neither the "under $50" nor the "24 automatic return of overdraft fees" applied to my account because it is a BUSINESS account and those courtesies apply only to PERSONAL accounts. I am required upon calling to provide my name and MY BUSINESS NAME upon every call to US BANK so how US BANK reps could have misconstrued my account as a personal account is unacceptable on numerous occasions. The agent on July 8th profusely apologized for the misinformation I was given and assured me that she would ensure my $36 was credited back because of the continued misinformation. She said a manager was not available immediately to override but she would make sufficient notes so that the manager understood the mishap that had occurred and that she guaranteed return of the funds. To date I have not received the adjustment and another overdraft fee has been compounded on top of the original one during this wait.

Since July 8th, I've been on the phone with very rude and unapologetic US BANK CUSTOMER SERVICE reps who advised me that it's my fault for not managing my account and they take NO RESPONSIBILITY whatsoever for the negligence of their team members nor the spread of misinformation not once, not twice, but on three different occasions with three different customer service reps. Today my conversation with US BANK WAS APPAULING and I was told there is no one at the company who is able to correct this or to credit back my fees. Since this started another fee has been added on now amounting to $72 in fees. US BANK said they can tell customers anything they want and have no responsibility for what they tell them whether it injures the banking customer or not. During hours of sparring back and forth us banks final answer was that they would have a manager contact me. I've been waiting 6 days for a manager. I explained to US BANK that I own a business where I process bankruptcy and I cannot haphazardly tell someone anything and it results in them losing their home and say "oh well, it's your fault because it's in print and you could have read the information instead of taking my work for it". An organization run where its representatives are told they can tell customers anything and it does not matter should be shut down and organization where 3 different agents misrepresent company policy on the same issue is negligent in its training. A company that has no concern what harm it brings upon another individual and recklessly misleads and misinforms them needs attention by banking regulators.

Finally I was threatened that if ultimately the fees were reversed that I would never get another fee reversal as if I had done something wrong and being punished for demanding fair treatment. There are so many reckless actions on behalf of US BANK as it relates to this situation it's astonishing that an institution is allowed to operate in such a manner without consequence.

I CONSIDER THIS MATTER TO BE FRAUDULENT MISREPRESENTATION AND NEGLIGENT MISREPRESENTATION.

I have been a loyal customer for 31 years. After all of my accounts were breached by internet scammer, it is shockingly hard to get my accounts closed and reissued. Someone I spoke with wrongfully documented that I preferred to visit branch office to handle this. It was a complete lie. I told them the opposite as I am sick. There was no empathy and I was not treated properly. The last person I spoke with hung up in the middle of our call and I still don't know whether this has been handled. I have come to the conclusion that US Bank doesn't care about their customers. I have suffered a loss/crime and I'm not being treated well, causing worry and stress. I would like someone to contact me and explain how to get a new login and to ensure all accounts are closed and reissued. The last two people I spoke with were Leticia and Mary.

We are a very unhappy customer from the Union Bank transition. Your bank in nearly 3 wks time and speaking with at least 15 different employees, could NEVER get us set up to use Quicken Deluxe on Direct Connect. We had to talk to a different person each time, and had to start the sago over each time. The one employee who is causing us to write this review is Joseph M Ramirez. He started out to be helpful (even though he did not call when he made the appointment). He asked us to perform multiple tasks which never worked and on our last conversation, was one of the most rude people ever dealt with. He was unwilling to go any further with the connection, stated that he could see from his end that we were connected to the bank and insisted that it was a Quicken problem. We explained that another employee actually was kind enough to do a 3 way conference call with Quicken, to which Mr. Ramirez stated "that he obviously went beyond his job duties, and probably should not have".

That was a shocking statement for one of your employees to make. He then stated that there was no more he could do for us.

I then called Quicken who stated that US Bank has a "bug" in the system and until it was fixed, we would not be able to use Direct Connect.

I then placed a call to Wells Fargo Bank and within less than 10 minutes, we were set up with them on Direct Connect. Further proving that there is a problem with your online banking services. As a final note, we were given the name of Lawanda Hangston as his supervisor. We contacted her to ask for assistance and never heard back from her.

On July 3, 2023 I made a cash deposit of $1994 and there was an ATM error resulting in my funds not being deposited. The ATM printed out a receipt with a phone number to call to resolve the issue. I called the number and was informed it could take up to 10 days for the case to be reviewed and then approved or denied. This was my rent money that was not deposited and is now past due. I have not received an email stating that I have made a claim, I was told they will mail out only the results of the claim. My landlord has said they will start the eviction process if I do not provide proof there is a claim open with my bank. I cannot wait for it to come in the mail as by the time the 10 business days are over and then it is mailed out the eviction process will have already started. I will now owe late fees and possibly court fees if I do not have some kind of proof that there is a claim, or if my funds are not deposited into my account right away. Every number and person I have contacted has been unable to help me.

A garnishment was sent by the State of Kansas on 5/5/23 to U.S. BANK. N.A., 5065 WOOSTER PIKE, CINCINNATI, OH 45226 on a Michael Dandurand. 17C3272. We have not received the Answer of Garnishee and I have been unable to contact anyone regarding this matter. I need to know if you received this Order for Garnishment and if Mr. Dandurand's account has been frozen.

In early 2022, I was planning a trip to the Maldives. I searched airfare on several occasions, but did not purchase tickets. On one of those occasions I evidently used my US Bank card to put tickets on hold. Again, I did not purchase the tickets.

Eventually I did purchase tickets on Etihad Air, using my PayPal account. The transaction and posting date shown on my PayPal statement is 01 FEB 2022. My booking reference was HCSSLV. Ticket numbers were [protected] and [protected]. My eTicket receipt, issued 28 JAN 22, clearly shows payment was made via PayPal. The amount on the eTickets ($824.37 each) also matches the amount shown on my PayPal statement, $1,648.74.

Sometime later I discovered my US Bank card had two charges from Etihad Air for $748.61 each ($1,497.22 total). The transaction date was 06 JAN 22 and the posting date was 18 JAN 22. Both those dates precede the date I actually purchased the tickets. Furthermore, the amounts do not match the amounts shown on my eTicket receipt.

When I discovered the obviously erroneous charges (really a single transaction), I contacted both Etihad and US Bank. The consensus from both parties was that I should dispute the charges with US Bank, which I did. I eventually received some paperwork from US Bank asking me to explain the situation and provide details. I did that, too.

For some inexplicable reason, US Bank opened two separate cases and sent me two sets of paperwork every time they wanted additional information. This was nonsensical, since I made a single purchase (as shown on my PayPal statement), but I obliged and completed both sets each time, always returning them in the same envelope.

On 02 November 22, US Bank issued two provisional credits for $784.61 each. I assumed this would be the end of the matter, and of course it should have been. The mistake had been rectified.

Sadly, I was mistaken in that assumption, because on 03 APR 2023, US Bank reversed one (but not both) of the provisional credits, again charging my credit card $784.61. When I called to inquire why, I was told it was because I had not submitted the paperwork on time. That is patently false, since I returned requested paperwork in the same envelope, so either both sets were in time, or neither were. (Though I reiterate it makes no sense for there have been two cases in the first place, since the charges stemmed from a single alleged purchase. A purchase that was never made.) Furthermore, it is completely illogical. If the charges had been legitimate--they clearly were not, as all documentation proves--both provisional credits should have been overturned.

I have communicated with both US Bank and Etihad many times about this matter over the past months. It should have been a very simple matter to remedy. I was charged twice for one set of airline tickets. The correct charge was to my PayPal account. The charge to my US Bank card was erroneous. All documentation and every analysis make this clear. US Bank's claim I did not submit paperwork on time is merely an excuse to keep money it is not entitled to.

May 23, 2023, two checking accounts I had thru US Bank were closed. I was mailed the ending balance(s) to both accounts via cashiers check. June 1, 2023 I went to a US Bank Branch location in Phoenix, Arizona to make a deposit on a new account opened. More than a week passes for me to find out that US Bank had accepted an ACH deposit from the state of Arizona to the closed account without my authorization and also that the money was held for 7 days without any notice or communication to me. June 10, 2023, I randomly recieved the incoming deposit in to the new account established. Only to have the money deducted. I was informed that 3 active disputes opened in the previous account and because I did not return a dispute form (which I never received and was sent to the wrong address), the provisional credit given was reversed. US Bank reached into my new account and took the money. Although I have done my best to communicate with this bank, I have had no help in fixing this situation.

So, my granddaughter and her dad went to US Bank to open a checking account. They gave their drivers license and current info, but their mailing address didn't match their license address because they just moved to the area. The clerk opened the account and took their deposit. But, 3 days later, their account was frozen without any notice. They called the branch and were told that the bank was holding their money until they had proof of their new address. They were also told they couldn't withdraw any of their money.

I'm really confused about this whole situation. Why did the bank open the account if there was a problem with the address? And why did they take their money if they knew there was an issue? It doesn't make any sense to me. Plus, why weren't they notified if there was a problem? It seems like they're getting the royal runaround from the bank.

I'm also worried about whether the bank is going to pay any past due fees because they won't give them their money. I don't think they will, which is really unfair.

Honestly, I'm really disappointed in US Bank. They're not being very customer-friendly at all. No one seems to want to help my granddaughter and her dad get this resolved. All they keep saying is that the funds are frozen for several days until the corporate office does whatever they do.

I've been a US Bank customer for several years, but after this experience, I'm going to close all my accounts and move them to a different bank. I wouldn't recommend this bank to anyone.

Temp employee review:

I gotta say, my experience working as a temp for U.S. Bank was a total nightmare. They threw me into a desk with no training whatsoever, and the so-called trainer they stuck me next to didn't even speak English! I asked for someone else to help me out, but they just tossed me around like a rag doll. And then they had the nerve to say I was too slow, when I had zero training and no one to coach me. I tried to apply for some bank teller jobs with my experience, but they said I wasn't even good enough for that! Honestly, working at a bank is like being in a sweatshop - they treat you like a slave and fire you at the drop of a hat. And if one person doesn't like you, you're out the door. This all happened back in 2008, and they basically fired me because of my disability and lack of training. I should have sued them, but I didn't have the energy.

Customer review:

I've been a customer of U.S. Bank for a long time, and I gotta say, their customer service is pretty good for basic banking stuff. But anything beyond that is a total crapshoot. Most of the negative reviews I see are from people who tried to take advantage of the system, and then got burned when the rules and regulations came back to bite them. Honestly, I'd only recommend U.S. Bank for basic cash and check stuff. We tried getting a Visa card from them for a few years, but it ended up being too much of a hassle to maintain. We barely used it, but it was still dragging down our credit score. And when I tried to reapply for it years later, they said I wasn't eligible because my account balance was too low. So yeah, if you're looking for a bank that's good for the basics, U.S. Bank is fine. But don't expect anything beyond that.

So, let me tell you about my experience with US Bank. I witnessed an elderly man, who was clearly suffering from dementia, walk into the bank. He had already been to four other banks and was denied a loan for $80,000 by all of them. However, US Bank was able to approve the loan for him. He used a little over 20% of the loan to pay off his debt and took the remaining amount to his own bank to cash the check. Unfortunately, his bank refused to cash the check, claiming that they felt the man was being scammed. As a result, the money was returned to US Bank.

Sadly, the elderly man passed away within a year, leaving the 20% of the loan to be paid off by his children. It has been two years since his passing, and despite numerous attempts by his family and their lawyer to contact the bank to get the amount of loan payoff, no one has gotten back to them. To make matters worse, they were recently served with foreclosure on his home as a way to pay off the debt, which has now grown three times the original amount.

I can't help but wonder who gave this man the loan in the first place. He couldn't even remember his own name or address, yet US Bank loaned him $80,000. It's outrageous! And to make matters worse, US Bank continues to ignore countless attempts to contact them and pay off the loan. They have even put his house up for auction instead of accepting the original owed debt, which has been offered to them numerous times.

It's frustrating to see such greed from a bank. They don't seem to care about the well-being of their customers or their families. Now, the man's child, who is living in the home, is homeless because of US Bank's actions. It's just not right.

In conclusion, I would not recommend US Bank to anyone. They have shown a complete lack of compassion and empathy towards their customers and their families. It's a shame that a bank would prioritize profits over people.

I gotta say, my experience with U.S. Bank was not great. I mean, if I could give them negative stars, I totally would. The customer service reps were just not professional at all. Every time I called, I got a different answer, like they were making up the rules as they went along. It's like, come on, guys, get your act together.

So, here's what happened. I called them up on September 3 to check on my pay off statement, 'cause they had overcharged me on my PMI. The rep told me they'd generate a new statement factoring in my August payment, which I made on September 1, and it would be ready in 24 hours. They said they'd fax it to my new mortgage provider and email it to me. Cool, right? Nope.

I called back on September 4 'cause I hadn't gotten the email yet. The rep that day told me it was gonna take 72 hours to generate the statement, not 24. What the heck? That's not what the first rep told me. So, I called again on September 7 and asked for the statement to be emailed to me while I was on the phone. The rep sent it to me, but it was the same amount as before, plus they added an extra $20 for fax charges. When I asked about it, the rep said the August PMI payment wasn't factored in until mid-September, so the amounts were the same. But if that's the case, why didn't the first rep tell me that? I wouldn't have asked for the statement to be faxed again, and I wouldn't have had to pay extra for the same statement. It's just not right.

Honestly, I'm glad I'm done with U.S. Bank. I don't even know how much I'm gonna have to follow up to get my overcharged PMI payments refunded. They really need to keep better records of what each rep tells each customer, 'cause otherwise, there's no accountability. It's just a mess.

So, I had some problems with my bank account and my boss told me to get a payroll card from U.S Bank. It's just a temporary job, so I thought it would be a good idea. But it's been four weeks and I still haven't received my card or my money. I called customer service last week and they couldn't find my information. I was so stressed out because I thought I lost over $2,000 of my salary. Finally, they found my information and said the card was on its way and would arrive later that week. But it didn't come. I called back on Monday and they said it would be here on Wednesday. But it still didn't come. I called again at 5pm and they said they would call me back before 9pm. But they didn't. I waited for an hour on hold until a lady finally picked up. But she hung up on me right after I gave her my information. I called back and waited for 30 minutes, but they still couldn't find my information. I had to give them my social security number. It felt like a scam. They were so unprofessional and irresponsible. I even told them about the lady who hung up on me, but they didn't apologize or acknowledge it at all. They said the card should arrive next week, but I can't cancel it because it's already on its way. I've been working for four weeks with no pay. I need my money. They don't even have a way for me to access my funds in the meantime. They have no compassion at all.

This bank is not good. I spent so much time on the phone with them and they gave me the wrong information about disputes. They don't protect your money and they waste your time. I'm moving to Chase tomorrow at 9am. I thought Bank of America and Wells Fargo were bad, but they are just evil. This bank is plain stupid. A hotel charged me for a night for a room I had moved out of over a week before. Sonesta won't answer my messages, and they had kept my bank card on file and stole money from my card. My bank statement clearly shows that I had just paid for an apartment so why would I go back to a crappy hotel and stay there for the night when I just moved into a new place. US Bank apparently thinks I didn't check out because they were there and all Sonesta had to do was check a box saying yes. They don't bother to call me or look at my clear evidence of where I was living. They just take the money Sonesta stole from me and give it right back. Oh and then they wasted three months of my life promising me they could help me with ACH transactions that they couldn't because their idiot phone operators aren't trained to know what they are talking about. If you don't train your staff properly and it's your fault that your customer lost money by giving wrong information than you need to reimburse me US Bank. Stop sending me your stupid letters letting me know this information after it's too late now for me to do anything else about it. Taking my money out of your bank, and taking you to small claims court. Yes I will waste my time just to waste yours. NEVER AGAIN! Your agents are rude and clueless! ZERO STARS!

I've been a US Bank customer for a long time now, and I've always had a good experience with them. I have a credit card with them that has a pretty high limit of $25,000, but I never really use it that much. Recently, I received an offer in the mail for a new Altitude credit card with some really great benefits, so I decided to apply for it.

Now, I have really good credit and I always pay off my credit cards in full every month. I also have a pretty significant income, so I figured I would have no problem getting approved for the new card. Imagine my surprise when I got approved for a credit limit of only $500! I was pretty shocked, to say the least.

I called US Bank to see if there was anything they could do about it. I explained that I didn't need any more credit, and in fact, I would be happy to reduce the limit on my other card by the same amount as the new card. But they told me that they don't do that kind of thing. I even appealed for a credit line increase, but I got a letter a few days later saying that I already had the maximum credit available to me.

I was really frustrated by this point, so I called US Bank again. I spoke to a senior underwriter, but even they couldn't help me. They said that they needed to see six months of payment history before they could do anything. But I've been a US Bank customer for 45 years, and I've always had perfect credit! I've even been paying off my other US Bank credit card in full every month for years.

It's really frustrating to me that US Bank can't seem to solve this issue for me, no matter who I talk to. I even tried calling the corporate office, but they just sent me back to the wrong department. I don't understand why they would give a good customer like me such a low credit limit and then not be able to do anything about it. It's really disappointing.

I was really surprised to see that U.S. Bank has an A+ rating from the BBB. I mean, seriously, do they even care about customer service and honesty? I read through all the reviews and complaints, and it's clear that they don't. I had a terrible experience with them recently. They issued a check to the BMV instead of to me, and it took me five months and several phone calls to get it sorted out. I even had to file a complaint with the BBB to get them to take me seriously.

The worst part is that U.S. Bank refused to admit that they did anything wrong. They claimed that I had requested a change of address, but that's just not true. The address they sent the check to was in Indiana, where I've never even lived. And the original check was sent to the correct address in North Carolina. I don't understand how they could have made such a mistake, and they won't even try to explain it to me.

To make matters worse, they never once called me to discuss the issue. All I got were letters in the mail with excuses and "facts" that didn't make any sense. I gave them all the dates and times of my calls, but they didn't seem to care. They just want to sweep their mistakes under the rug and pretend like everything is fine.

It's clear to me that U.S. Bank doesn't care about their customers. They only care about their reputation, which is why they have an A+ rating from the BBB. But if you look at the actual reviews from customers, you'll see that they only have a one-star rating. I won't be trusting the BBB's ratings anymore, that's for sure.