US Bank

I setup an equity line over the phone and was told the line would be for a certain amount and rate. However when I went to use the line the rate I was charged was different (2 percentage points higher). Apparently with their premier equity line there is no one single rate, you get charged a different rate depending on how much you 'withdraw' from it.
That is not the bad part, the really bad part is that when I called to complain I was treated like crap, Michelle (id 77750) told me rudely 'it is not our fault' we sent you a contract or statement that listed what the rates and conditions were, you should have reviewed it. I agree with her I should have, but when I asked her repeatedly to admit that the bank could do a better job of explaining these things 'verbally', all she said was 'we sent you the terms and conditions', 'that is all we have to do'.

Crap service in my opinion, will be changing banks.

I had heard really bad things about us bank leases, just before I turned my car in. I was hoping these were just angry people, was not true! The representative that check out my car was impolite and unfriendly - to say the least!@! His name is robert grunau and talked to me grudgingly. I will never lease from us bank again! I am a mom, with a perfect car. I rented from mercedes before, and they were great - very straight forward - no scatches bigger that a credit card. Us bank has strange rules! Do not lease a car from us bank.

In mid June 2009, my husband and I decided to apply for a home equity loan on our condo in Flagstaff, when our credit card company raised the interest rate on our balance to an unbelievable high. The condo is completely paid off as is our home in Kingman, all our vehicles and our rv. According to our American Express Credit Secure service, we have a credit score of 782. We have a steady monthly income with one payment towards the one credit card.
The process they put us through in the two months since, was unbelievably vague and unprofessional. We never received a loan packet which normally includes an application and request for various documents, such as what we owe, what we earn. Little by little, they would request another document or other and never let us know whether we were going to get the loan, how the application was progressing or anything. The local bank didn't know what was going on. We were completely jerked around. We asked and asked what was going on, what documents did they need. It was always the same answer. 'they're waiting for something or they needed an "additional document". Just today we received notification that we were turned down. We have never been turned down on a loan and are completely disgusted with this bank. Don't use US Bank. We will be closing our account. We used Downey Savings for years and never had any trouble, now that they are US Bank, they have insulted us, lowered our credit score by their refusal and they are unprofessional in their business.

Never ever lease a car from US bank. Their customer service dept is contained of bunch of dumb customer service reps who have no knowledge of nothing. You will be shuttled million times while on phone. No one knows any answers. Zero, zip support and knowledge. Worst worst worst and waste of time. Never lease vehicle from US bank.

I was a valued bank memeber with us bank for a few years. I closed the acount because I caught them putting overdraft fees on my account for no reason! I had to call five times before someone just admitted they didn't know how that happened. The other reps just tried to figure a way to make it seem like i'm crazy. Fortunately, I got someone after the fifth call that knew it was unexplainable. Anyway, so I closed that account. When I tried to open another account at another bank, I was in the chexsystems for us bank! The other bank rep told me that us bank said I owed them $2, 750.00! So, when I called them to ask wtf, the rep tolp me I had 3 accounts and they all had a balance of over $300.00. I'm in the process getting it resolved, but it doesn't make sense that I have to go through this! Never bank with us bank!

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.

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."

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.

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!

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.

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!

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.

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

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.

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.

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.

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.

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.