US Bank

In January 2019 I went to the US Bank branch in Millbrae, CA after finding an offer on the US Bank official site that stated any new customer setting up a checking account would receive a $300 bonus after making two direct deposits.

At the branch, I met the assistant manager Tsogzolboo Enkhchimeg who introduced himself as Andy. I showed him the promotion and he brought it up on the official US Bank website on his computer. He said he had not heard of this offer and I was the first customer to bring it to him. I asked if I would be eligible and he said I need to review all of the terms and conditions and check with our back office to make sure you can set this up here in the branch and be eligible. I asked him to please make sure. He called his back office and team while I went to withdraw $25, 000 to put into the account. This was the amount required to waive the monthly fee he said.

When I came back he said we were entirely good to go and I would be perfectly eligible setting up the account at that branch on his computer through him. I was very sure to confirm this multiple times and confirmed with him that I would receive the funds after two direct deposits and maintaining $25, 000 in the account.

Andy then presented another offer on his computer which was a table of interest rates. Each one gave a varying rate amount that depended on the amount deposited. He said to me that there was another promotion I had not been aware of that would allow me to get over 1.5% annual income and that I would qualify for an extra ~$47 per month for 6 months from $30, 000 and encouraged me to deposit more. I said it all sounded great and signed up for the account with his confirmation that I would qualify for both offers.

The first issue came in March when I noticed no interest came through. Both of my direct deposits had cleared to qualify for the $300 bonus as well so I called Andy to ask what was going on with the $300 bonus and the interest. He said he needed to check with his back office about both. He called back and was apologizing profusely saying he had made a mistake. He said his mistake was that any customer who does the $300 bonus would not qualify for the interest rate. He said this was his fault because he did not realize this when he was advertising the interest rate bonus to me, so he would make up for it by crediting my account with the first month of interest, approximately ~$47. I asked him when this would happen and he said he would do it as soon as the $300 cleared. I was naturally irritated that the deal was being changed, as this was a difference of about $250 over 6 months, but I did not think it was worth it to make a fuss at the time, and he was offering at least the first month still, so I said that would be acceptable. I asked when the $300 would come through, and he said the very latest would be 90 days after the second direct deposit which had been February 15. I asked if that meant I would definitely receive it by May 15th and he said he was absolutely sure and it could be much sooner even.

The next issue happened last week (end of April 2019. I had not seen the bonus or interest amount come through so I wanted to call him to confirm. I reached out to Andy and he said gave me the usual reply that he would need to reach out to the back office and get back to me to confirm. I said fine and gave him my email to respond to for convenience. He responded on 04/24:

"Hi Ezra, I was trying to find a definite answer of when you would be receiving the $300 however I had some difficulty trying to locate the exact date. I will have an answer for you on this by end of Friday. I also wanted remind you to please keep the $25000 in the savings for the time being because if not, there will be a monthly maintenance charge."

I thought this was strange since last time we spoke he had confirmed 05/15 as the latest date and had said he was positive it would come by then. He had also confirmed this when we set up the account. On 04/24 he responded again:

"It's okay if you do not have the promotional buckslip but if you happen to do so, It would greatly speed up this process. My back office is having some difficulties identifying the promo Code WEB 2019, do you know where you were able to find it? It happened some time ago that I do not 100% remember if you had the promotion code on your phone or if had brought in a paper flyer with the code on it."

This again seemed strange, because there had been no "buckslip" as it was an online offer listed on the US Bank official website. I told him I never had one. He then emailed and asked me to call him.

I called him and he told me over the phone that he could not find evidence of the offer anywhere and that he did not think the $300 offer really existed and that I would need to provide proof of the offer. I found this very strange again because he had already confirmed when we set up the account and the previous month that this promotion was perfectly fine and I would absolutely qualify and had checked with his back office on many occasions to confirm. I told him it's easy to find evidence of the offer and I was very surprised to hear this. He said then provide the evidence. I did a Google search and sure enough the very first link popped up with the offer through a third party site with a screen shot of the US Bank official website. The offer had expired in March, but I had set it all up before the expiration back in January. I screen shotted the offer and sent it back to Andy.

I did not receive any response so I called him on 04/26. He said that, actually, since the offer was completed in the branch instead of in person, I would not qualify. I told him that does not make any sense, this was the first time he had ever mentioned anything of that nature. I asked why he had never mentioned this is the past and he said it was because he did not know. This was very strange since I asked him about this directly when we set up the account confirming that I would be eligible for the offer if I set it up in the branch with him. It would have been an extremely simple task for me to set it up online if that was a requirement, but he confirmed in person at the branch with me (after consulting his back office) that setting it up at the branch would be perfectly fine and that I would qualify. In addition, he also confirmed with his team when I called in March that I was perfectly eligible for the offer and would be receiving it in May at the latest.

I emailed back stating the above, and his manager, Yoko Wong reached out to me with the following:

"This is Yoko Wong, Manager of Andy Enkhchimeg, thank you for reaching out about your concern. With part of screenshot you provided, it didn't list out the full fine print. So, I went ahead to review the full term and condition listed on the 3rd party website that you initially visited and found the promotion. It specifically mention account opened at a branch is not eligible for this promo. Andy took extra steps and reach out to Online department to verify the promotion and was trying to ask for an exception for this case. However, the fine print listed that account opened at a branch is not eligible. We can't honor this bonus offer at this time. When promotion posted from 3rd party website, we have no control about it as well because it is not affiliate with US Bank. Thank you again for reaching out."

This was very strange to read. The screenshot I sent to Andy was from a third party website, but included a screenshot of the official US Bank site. In the branch the first day, we also brought the promotion up on the official US Bank website. Furthermore, the terms and conditions are the same on the US Bank website as on any affiliate site, all the affiliate sites just link directly to the US Bank website so this makes absolutely no sense. Andy confirmed on multiple occasions with me and his team that I qualified for the official US Bank $300 promotion. I confirmed with Andy in person that I would qualify for registering for the promotion in person at his branch when I moved my money to the account, and he told me I would. He also told me I would qualify for an additional $47 in interest per month. As of today, I have not received either.

Desired outcome:

Payment of the $300 bonus by the previously promised date of 05/15/2019

Monthly payments of the interest I was promised of 1.88% yearly totaling ~$47 for a 6 month period. So far this would be ~$144, and I should receive an additional ~$144 over the next 3 months.

I am afraid that more and more people are falling victim to being lured into puting their money in banks under false pretenses but do not have the resources to pursue the collection of the promised bonuses when banks breech their contracts.

Where to get started first off fractional reserve banking is the biggest scam to ever surface on the face of the earth. But the real reason i am writing this review is due to their ridiculous overdraft fees and extended overdraft fees. They loan out more money then they even have then they create $36 dollar debts to people out of thin air. they really need to learn that they are the real problem with the financial market. stay away from them and never take out any loan if possible. the debt system is made to fail and the debt will never be able to be paid back in full.

Date of incident: March 19th 2019
Resolution: I want the credit card increase, we've never missed a payment, I don't see why we are being denied. It seems cruel to kick a person when they are down and unemployed, and I don't get an unemployment check. I have nothing but my parents and what they can spare to give to me.

"Please include income earned by you, and additionally, if applicable, any readily accessible income earned from sources such as spousal/domestic partner income"

In my mind "such as spousal/domestic partner income" is an example of what a readily accessible source of income can be, not the only form. I am a 37 year old who is unemployed living with my parents, I went to college got a BA degree and this is where I am in life. I got a letter stating that my increase on my card could be upped by 2, 000 only to be then told that my parents couldn't be used as "readily accessible income" we are in dire straits, and it is companies like you who have put people like us in such a state. Without my parents helping me pay monthly minimums on credit cards I would be living on the streets somewhere, still jobless, and going hungry every single night. And you are helping to put us one more step toward poverty by making us go without.

My ex-fiance, Randy G. Lois sr and I, due to the wildfires at paradise, ca, suffered a total loss of our jointly owned home on 11/08/2018. Our homeowners insurance co, aegis, issued a issued a joint check 01/2019, check no [protected] in the amount of $152, 750 (see exhibit "a"

without my knowledge, permission, or signature, check was deposited into his personal account (exhibit "b"); as of this date I have not received one cent of this money. US bank at Roseville branch 8451. Should not have allowed randy to deposit this check into his personal account without my signature. Re-routing said check to our joint account without notifying me did not adequately protect my interest, because randy was able to deposit the entire amount into his personal account via phone transfer (see exhibit "b"). I wish to be issued a check for my 1/2 of above stated check amount, and will sign any indemnity agreement to assist you in prosecuting this matter.

Thank you

You all have charged me so many times for money that I didn't authorize to even be taken out. I changed my account so that nothing could come out if the money wasn't there. That apparently does not matter, and I had to pay nearly 1200 back in rent because of all the fees. That's 350 dollars more than I pay every month along with the fees you gave me on my account. Now, another ach that I did not authorize, was taken out and returned and I was given another fee. You all are the worst bank I have ever had in my life. You don't listen to your customers or even try to help them, you just want to make money off people as though you don't have enough. I will be changing my bank as soon as possible as I have been dealing with this from you all for about 4 years. An no longer handle it. You all never help the customer. At least, not me. I have never been given the overdraft fees back, even when it wasn't my fault - it was your fault. I can't believe a business like you is still standing. Horrible, horrible company.

Upon calling in to arrange for a loan payment due to the holiday, the monthly payment amount was selected. No confirmation email was ever sent by US Bank or received by us. Instead, call it a computer error or whatever, but a total payoff amount of over $ 56, 000.00 was forwarded to Wells Fargo. When contacted US Bank about problem we were advised that there was no way to recall the payment and that WF had to decline it. So now accounts at WF have been seized and frozen as we don't simy have $56000 in an account, if we did we wouldn't have needed the loan to begin with. So now we have to wait for WF to decline the transaction and take 5-10 days to investigate before they will return our checking and savings and unfreeze out accounts. US Bank advised that they won't charge us a late fee for their problem in their system. Boy that really helps. Basically US Bank and Wells Fargo are both useless in taking care of problems created by themselves.

Here is an email I sent to the loan officer at us bank san carlos. Before going thru the loan process, I told the officer my mother would be incapable of signing. I was told she would only need to sign a note. Instead, she was forced to sign 17 x's as her signature when I was fully recognized as her power of attorney. I will be filing as many complaints on yelp on all your bay area branches. Email describing my issue is below. Loan officer is vicharlotte juarez, san carlos branch.

Vicharlotte,

I want to start out by thanking you for your hard work on the refinance. I do appreciate all you did for us to get this through.

That being said, I am extremely disappointed in us bank for the process.

You said that on the day of signing, december 26 at 8:00 pm, I would be signing all documents as trustee & poa and my mother would sign one document in private with an ‘x'. The notary would only notarize my signatures.

The reality was that my mother had to sign 16 ‘x's on the loan documents and one ‘x' in the notary's log book with her fingerprint - all while the notary looked on.

My mother died sunday december 30, 4 days later.

Our family went through great expense and effort in the 1990's to set this trust up. We invested in further legal fees as she became less and less able to make decisions so that I would have free and unencumbered access and rights to her assets.

Then we have us bank.

Over twenty years with us bank. Attorney-drafted trust & power of attorney. All the work done properly on our end, all the confidence my 106 year old mother had in the process and your bank, was for not. She still had to sign literally on her death bed.

Do the elderly residents of san carlos and other branches know your bank could create havoc in their lives if they need access to extra money through your bank? I doubt it.

I will be posting detailed reviews on every us bank branch yelp site I can so that future and current elderly persons will know what they have to face by dealing with us bank.

Regards,

Mike

Please DO NOT use this dishonest bank for a credit card. My payment was due on Jan 1 2019 and I paid it Dec 31 and it posted Jan 2 and they charged me a $27 late fee. Jan 1 is a holiday and these clowns could not figure it out. I contacted them but just got fraudulent lip service. As a former employee of this bank I would not recommend them for anything.

My car totaled November 11 Adams still to this day they are not finished with their process. Now they have rights to report me to the bureau's?! I had to get another car and can't afford to keep making payments on the totaled one - plus this case should NOT have taken this long! Customer service is NOT HELPING and my insurance company and I have been givin the run around and it's like pulling teeth to get a supervisor!

I just received a statement for the year 2018. It summarizes the year to date showing the monies it has removed from my "dormant" account. I went to my local US Bank on Seal Beach Blvd. in Seal Beach CA. and Trevor, the loan officer, reviewed the account on line and stated that I was sent a letter in June 2017 asking me to provide account information. I never received this letter as we were involved in a remodel process from April thru August 2017 and not living some of the time on the premises.

I did not receive any statements after that, only this statement capturing Dec. 2017 thru Dec. 2018. I have been with US Bank in Portland Oregon from 1997, and I wish you reconsider the removal of the original $53 and some odd cents. To me it represents a lot, as I am on a very limited income, I'm retired. I have to work to keep paying basic household expenses. If you feel you need the money more that I do, please keep it, but, I will let all my neighbors and friends know that US Bank took my money to either incur more profit or they need it very badly, to perhaps keep afloat!

Please call me or send the $53 and some odd cents back to me at: Mary M. Novak 13040 Del Monte Drive 45B, Seal Beach, CA 90740. and phone is [protected] this is for account ending in 6753.

Thanks,

Mary M Novak

When my father died, I contacted USBANK in St Helens OR and provided death certificates and other required information. As my father suffered from dementia his record keeping was not the best. USBANK did not inform me of a small IRA acct and it was only later that I became aware of it. When I again contacted USBANK I was informed that they could not give me any information about that IRA because there were no named beneficiaries on it. They told me I would have to see an attorney, file legal paperwork and go through the court system, or I could wait until the funds were submitted to the State of Oregon as unclaimed funds and make application to them to get the money. Because that would take years, I contacted an attorney and began the paperwork. This cost me $975 and took six months to complete. When I got the court documents and went back into the USBANK they gave me some run around, again requested death certificate and other paperwork despite the fact that I had already provided those documents to them. They said they couldn't find them. So I went home, got the documents and took them back to the branch. They said they would process them and send "it up" to be completed. I assumed it was sent to the IRA department elsewhere. However, later that same day the bank called me to say they had found their file with all the required documentation and they would continue the process, that I was actually named as beneficiary on the IRA. They could not and would not discuss why they had told me otherwise and would not address the fact that I had paid $975 to an attorney because of their bad information and lost file.

On Wed, Dec 12, 2018, I called USBANK customer service dept, told them the above information and was transferred, finally, to someone in the IRA department. Her name was Leah or Lea, told me she would complete a complaint document and get back to me. She took my phone and, when I asked, stated that there was no direct phone line to her and that I would not be able to call her. But she assured me she would get back to me after reaching out the St Helens OR branch.

I spent $975 for nothing and would really like to talk to someone about this. I don't rally want to spend another hour on hold by called the customer service department. Why is it so difficult to get someone to pay attention and take this seriously.

Date of incident is multiple, including 12/17/18.
Decline providing customer # due to fear of repercussion.
I have a complaint about the teller manager at my local branch. Lancaster Dr NE in Salem Oregon.
I walked into the merchant area. I was there for about 20 minutes and all of the regular customers had gone. The teller called me forward and the manager, from the back, told her not to help me but instead to take a customer that just walked in because the other teller was too busy with customers. There was just one, and then one more that walked in right then. One of whom who walked straight up to the gentleman teller, leaving only one woman. I was asked to step back so the merchant teller could help the general customer who just walked in. This is not the only incident. Last week the same manager (blond haired female, teller manager) was working the merchant window and finished with her customer. I was/had been waiting about 15 minutes. She glanced at me and then tried 3 times to call a general customer over to her who had come in after me. When done with him, she called another who just walked in...as I continued to stand there. It is not fair and I do not appreciate being treated like this by her. I do not know her or why she appears to have an issue with me but I would very much like for her to be spoken to about treating customers fairly. If she's working the merchant window, help the next merchant customer and don't send a customer back to stand in line who has been waiting for a long time just to help someone who has just stepped in the door.

Date of incidents: 12-3-18, 12-5-18, 12-6-18, 12-7-18
Patricia Bradfield card #[protected]
I made a Zelle Transfer for $700 to my Daughter's account that never went through on 12-1-18. I had to make a check deposit to her account instead. Everytime I called your customer service representatives never listened to the problem. They kept saying it will go through in 1-3 days. I asked if we could cancel transaction and everytime they told me no. I asked to be transferred to a supervisor and they said there were none available and they would have someone call me back, never happened. The last Representative I spoke to on 12-7-18 said his name was James and he would have to file a dispute and it would take up to 10 days for resolution. I am a 74 year old woman on Social Security with a very tight budget. I am late on a couple of payments which will affect my credit and also add late fees. I asked if I could talk to a supervisor and James informed me that he was a supervisor and the Manager for online banking. I asked if I could rush the dispute and he basically said no and everyone else needs their money just as bad as I do. Very rude and made me feel stupid. I have a dispute number 814408H6F0S3. Need the money credited asap. I know to your bank I am really not that important and will need to transfer my account to another bank. Please e-mail me with any resolution that can help. [protected]@gmail.com

I applied for primary home mortgage and the mortgage broker at US Bank has not contacted properly. I can provide you our email conversations. I currently have 4 home mortgages through US bank and I want to add another one but no luck doing more business because of very unprefessinal loan officer at your bank brench in West Seattle (white center bench)

They never told me I needed a two year job history for my second job, instead made me print a whole of paystubs saying that's all they needed. When I got close to closing, they decided they cannot take my second job income, which made me not able to qualify for the loan. Now, I have to start over with another lender, plus my apartment said they found someone to move in so I have to move out. So basically Usbank wanted my time and left me on the street with my kids, and the management tells me he does not know why they didnt communicate that I would need a two year on the second job and dragged this. But, still nothing he can do for them to make an exception to take my second job. Fraud company this is.

I been trying to resolve several issues pertaining to my account ending with 6466
I have been rudely treated for no fault of myself
I had to open another bank account in your company's branch in west Hollywood California
While trying to make sure that current issue that where happing with my old account would be stopped instead of making sure that I wouldn't have any more issues the your West Hollywood California Brach office went ahead and moved my old card to the new account witch in turn put all of my older issues directly into the Brand New Account that I had spent almost 2 hours in your company's brach office to avoid pleas also Note while the gentalman whom was creating the New Account was training a trainee to make the same kinda of mistakes with any other customer who might also come across the same type of issue ( pleas understand that the inter reasoning behind this opening of the Brand New Account was to suspend any further wrongful action against the older Account so Why go through several hours of complete hell and walk in to the West Hollywood California Branch Office if I never use checks for ither of my prior Accounts if he's only going to take the current situation and directly move the exact same situation to the Brand New one
This is both unfair and unethical do to the impact of what I have had to go through sence pleas Contact me asap regarding futher information
Sincerely
Jonathan Hankosky
Hankosky Consulting
phone: [protected]
Email: [protected]@outlook.com