US Bank
reviews and complaints

Has anyone from topeka ks had trouble with us bank? I wanted to close my account because they would not allow me to put a stop on a check because they said if I meant to write the check then I am obligated to pay it. So I told them I wanted to close my account and they said I could not do that because I have checks out. By the time the finally closed my account I owed $400.00 in overdraft fees. The money I had in the bank to cover checks except for one they sent them back to place I wrote them. The check that I tried to put a stop on was electronically deposited and I didn't have the money to cover it, the smaller checks that should of been covered were all sent back too and all the fees started adding up. I had to go to all of the places I wrote checks to that should of went through and pay them 30 dollars each. Then I went back to the bank and tried to arrange payments to pay them, they said they couldn't take payments I could apply for a loan and use the money to pay the $400.00. I said no the min. Amt for a personal loan was $2500.00. I didn't need that money or another bill. They ended up turning it into some collection agency that told me if I agree to pay $350.00 in 5 monthly payments they would drop the interest and $50.00 of the principle. Well they are liars and thieves just like the bank. After the deal was made with one person they put you on hold for 17 mins. Then you get disconnected and the person you were talking to is busy and they have another person take over and you are told to go purchase a money card and they will call you on your paydays to arrange the amount to be taken out. When you have made the 5 payments and don't make anymore they start harrassing you for more money and you tell them that you completed the arrangement and all of a sudden they are stupid and have no idea what deal you are talking about. There has to be someone out there that protects us against these rip off people. Is anyone else in topeka ks having problems with us bank and their collection agency? Please comment and maybe as a group we can do something. Thanks

I put sufficient funds into my account they held my deposits checks in too long and submitted all of the checks from the merchants on the same day which resulted in my check bouncing $476.00 of nsf fees. While making purchases there were holds taking from my available balances ; as the available balances became available I used the atm card to make purchases.

Each of the purchases were made only after calling the automated machine or talking with a customer service rep. I am very disappointed in the unfair business practices of this bank. Something should be done to penalize these banks from eating up the little people. We are being raped over and over again! Switching banks makes no difference. These perps all go to the same school.

The customer service representatives will lie to you and tell you that money is available when it is really not. I will make a complaint with the banking commission and the better business bureau.

I had a problem with my account back in 2003. They fixed the fees from the obvious problem that I had, but I decided to close the account and start over somewhere else. I evidently made the mistake of closing my account at the end of my e-mail to them while thanking them for resolving my other problem. I closed my account by e-mail and went to the bank and withdrew all I could at the atm. This was 2 weeks before the end of the month. The next statement came saying I had a negative balance of $180. This was all charges based on the overdraft of the $6 monthly fee and a $8 insurance policy I had thru usb. I contacted usb customer servive, they sent me to the bank. The bank informed me they would not help me and that I could not close the account by e-mail. I told them to close my account and I would pay something for my ignorance but not $180. They again said they would mot help me. I waited 5 years and 8 months. I am now being harassed by regent asset management, saying original debt was $240 and now $800, but they would settle for $560. How could customer service not tell me I would have to close the account some other way? Why was my account not closed even when I went to the bank, they continued charging? Why when I informed customer service and the bank I was disputing these charges I heard nothing for almost 6 year? If anybody has any tips that would be helpful please let me know.

I called us bank mortgage department at 9am pst which went straight to hold music for 20 minutes. Agent "one" transferred me to agent "two", then was sent to agent "three" upon being told that the loan in question might be held by option one. Agent "four" comes on the line and tells me to talk to a "loan specialist", which is who I asked for 20 minutes prior. Agent "five" comes on the line after another transfer and gives me three other possible numbers to call. It is now 10:25am and i'm being transferred to agent "six" who takes my information and then decides to tell me that I need a "loan specialist". She tells me that she is a loan clerk and will transfer my call. At 10:40am, I finally reach an operator that tells me that they can't locate our account even though I have the billing statement in my hand with an account number and address. They also said that there were no supervisors or attorney's to take my call. I will resolve this cluster of a mess with a subpoena, not a phone call.

I complained about a two check deposit taking 15 minutes in the drive thru and having to come into the bank to get the deposit. I have never even been close to over drawing my account in my life time.

I was never offered an apology nor an answer for the delay. I continued to file complaints with the home office and never got an answer. On friday, my account disappeared with no notification. They closed my account with no notification and mailed me a check. They didn't have the courtesy to tell me and the funds were all collected.

Banks should not be allowed to close your account without notification. No checks were outstanding, but when I get the check, it will take time to get collected funds on their check. The bank was being vindicitive

I had about 100 dollars in my account then somehow someone got a hold of my card # via internet hacking or what not.. Next thing you know I am 70 dollars in the negative with a bout 500 dollars in pending online charges. I immediatley put a hold on my account in my branch and gave them the only 50 dollars I had to bring my negative balance to 20 dollars. I then filed fraud charges. They originally told me it was 8 dollars every four days. So I thought I had four days to get 30 bucks and bring my balance to zero. I come back four days later and find out im negative 50 again because its 8 dollars a day. So today almost two and a half months after I intitially put a hold on my account ive been getting charged 8 dollars a day overdraft fees... Do the math... Negative about 600 dollars now and they have untill december 22nd to make there final decision. Another month. If the fraud case goes in my favor which im sure it will all fees will be exonerated, if not im literally screwed. How can they continue to charge an overdraft when fee when I put a hold on my account and filed fraud charges. If I wrote a bad check or something... Cool no prob, but money that was stolen from me... Ive talked to several managers and they say its "bank policy" if your overdrawn you pay. I will not pay the fees out of principal now... And heaven forbid this goes against me I will not pay any fees after the intial day I put a hold on my account. It is bad business and a ridiculously slow process to rectify this problem. I have allready opened an account elsewhere, and I believe when my money is returned they should give me interest or some type of pain and suffering settlement for their for lack of a better word... "stupidity"

I worked in omaha in 2006 opened a checking and savings with us bank when I left nebraska I had very low balances that somehow went into the red. A short time later I have a negetive 1, 100 dollar balance on one account and a negetive 600 dollar balance on the other account. Now im in check systems, I have been out of work for awhile I have had a few collection companies contact me and they want to tack on hundreds of more dollars in interest charges it has to be around two grand they want and I actually started in the black. I dont feel they are accurate and I think they are just trying to rip me off, please help.

I wrote a paper check the evening that my social security check was to be deposited and checked my online account. Nothing went thru on the 20th and I had a positive balance. On the 21st my ssa deposit of a mere $237 was deposited. When I checked the balance online on the 21st, I noticed they had back-tracked and changed my balance info on the previous day, the 20th, to make my account balance a negative of $10 and then they proceeded to rob me of a $35 overdraft fee. That is food taken out of my child's mouth. I asked if they would reverse this charge and they refused.
As soon as I get set-up with a new bank and change my direct deposits I will close my usbank account and I hope others do too. I never signed up with usbank, they bought my bank of 20 years, downey savings and now I understand they are buying up more banks so that they can be more like a monopoly and take advantage of customers such as myself.
I don't know how a paper check written at a store can go through instantly (electronically) without the store or bank even telling the customer.
I wrote a paper check so that I would have a copy of the check I wrote to prove what day I wrote it, and now I can't even get a cop y of that check I wrote.

This bank is a joke! I made a deposit for around $2500 dollars in a check form, and they lost the check. I have proof of the deposit and a letter from the Cameron Park Branch stating they lost my check. They now want me to contact the source I received the check from and see if it has been cashed. Since they may have deposited it into someone else account my receipt clearly has my account number on it. However I'm a contractor and do not want to contact my client with this error the bank has made and look like an idiot. I could lose business for causing a hassle with my client. The bank could care less they just want their money. What a joke. They could care less about this making me look bad. All they want is their money. They never even apologized for this inconvenience. They should just eat the money that they clearly lost or deposited into another account.

US Bank has scammed us out of over 1, 000 in fee's this month, due to NSP charges, which were caused to them holding a check for over 4 days on two seperate occasions. The caused these overdraft fee's to accumulate, and still allowed charges to be made and go through, even though my husband doesn;t even have direct deposit. I get declined when I try to charge something, but they let his account get racked up to -500.00 in 2 days even though funds where deposited, and has a positive pending balance! We live paycheck to paycheck to begin with, and due to them screwing us and not reversing anything, we have now gone into debt. Joe Massey, the Branch Manager of the Denver location, located off of Colfax and Monaco basically told us to shove it and find another bank. True US Bank customer Service at it's best. I was a manager for over 7 years and would never treat an employee like this, and if I did, I would have lost my job. Since when can Large corporations get away with murder? Since when do custoemrs have no rights, and banks dictate how much money they are going to steal from us? I have over 30, 000 in student loans, my home loan, and three bank accounts through US BANK, and will be closing ALL OF THEM because OF JOE MASSEY alone, and his horrible customer service and lack of compassion, concern or managerial priorities to his loyal customers, who is done being loyal, and now is pissed off that he got away with this. You have a waged a war against a wife with to much time on her hands, because you decided to screw over my husband. Congrats on a job well done today.

I received a phone call last week from an attorney stating that I need to call him back asap. I have cleaning up my credit for the past year so this worried me. I check my credit every year to ensure that I am not missing anything. I called the attorney, which was extremely rude, he stated that I owed US Bank 1900.00 as of last year! What? I haven't done business with this bank in over 2 years, never once received a notice that there was an outstanding balance and it is not reflected on any one of the 3 credit reporting agencies. He stated that he was going to file for a wage garnishment in two weeks. I told him that I was legally entitled to an itemized detail of the account. He then stated that he wasn't going to do the work for me. I told him that I didn't even know where to start, he said call US Bank but they will probably tell you to call Regent. I asked him who has the information? He then stated again to call US Bank but they will probably have me call Regent. I asked him who Regent was, he stated his client. I then stated that if they are your client, you must have their number. He finally provided me with the phone number. I stated that I couldn't make a payment on something I knew nothing about. He was adamint that they sent notification 15 days ago. I am the only one in my house aside from my children and I am the only one with a mailbox key. He stated that I was refusing to pay. I then told him that I never stated I wasn't going to pay, it simply caught me off guard as everything is being taken care of on my credit report. I then called Regent to speak to a guy that was flirting with me the entire time. He stated that I need to reach into my left shoe and pull out $500.00, then reach into my right shoe and pull out $500.00, then hit up my man for the other $500.00 and they will settle it. Number one, what in the hell does my man have anything to do with a company contacting me 2 years later stating that I owe them? Second, who in the hell has $1500.00 just lying around now and days? After speaking to Regent, I was told to call US Bank in Fontana and speak to the branch manager only. I spoke with the branch manager and they stated I would need to go into the bank to obtain the information I needed. The US Bank in Fontana is about 20 minutes from me. Why should I have to go to the branch? I have never had these problems with any other company. I guess I will just have to wait until they take me to court and bring it up to the judge. It is basically their word against mine when it comes to them contacting me, as I stated this is not on my credit report so how would I know that I owe them money when I have never received a statement?

There is no other bank that is more creative in finding ways to create overdraft charges. Now I’m not stupid. I am a network administrator and I have a masters degree, yet there is no way I can understand how they are able to twist and distort charges and deposits so that it comes out to their advantage and charge overdraft charges. I monitor our account daily. I think that they arrange it so that the latest charges are brought in in the last few minutes of the banking day so they can make the overdraft chargtes when it is too late for the user to make any adjustments. I have checked the balances at 11 and 11:30 pm and then 3 or 4 more charges come in in the last couple of monutes, make you overdrawn and then stick you with multiple charges. I have asked them about that and they deny that, but the lowly rep on the phone doesn’t have any say or knowledge of the sneaky techniques used higher up the ladder. I just got off the line with a rep and the way they figure things just doesn’t make sense.
- I’m looking at an item 15 or 20 lines down on my account
- A 70$ item that reduces the balance from 270 to 200$ OK?
- But according to the rep, the way THEY figure it, there is a negative balance. They say if you add the latest items that have not even posted plus others they somehow say that my actual balance is more than 100$ in the NEGATIVE.
- So I say if that is the case why the hell don’t they show it as negative instead of positive, and they say that it is up to me to keep a ledger to monitor any charges that might come in at the last minute. I’ll tell you why they don’t tell you its actually in the negative, because they make billions of $ on overdraft charges. That’s right billions. The government is moving to pass legislation to end this type of CREATIVE OVERDRAFT CHARGES. It’s a real cash cow for these banks and they don’t want to lose it.
I read that Chase bank is one of the worst offenders but I’m sure that US Bank is right up there close. I would certainly recommend that you NOT chose us bank. There are better ones out there to choose from.

Two Incidents.
Starting with the most recent.

2 days ago on Tuesday September 22nd I made a Cash Advance on my account after noticing my account had been over-drafted due to a check that I had expected went through already. I made this Cash advance for $80.00 to bring my account to a positive $38.00.

US Bank Online Banking support assures that Cash Advancing is instantaneous, it is instant. US Bank branches will tell you that Cash Advancing takes 24 hours to process. I have many plenty of Cash advances and they have all been instant at that very minute, I have covered over drafts, I have advanced extra money that I spent 'THAT DAY'.

4 hours after making this cash advance on the 22nd, I proceeded as normal, I needed to pick up groceries and household necessities. I spent $4 at Safeway and $3 at Fred Meyer that day using debit card.

Being cautious as I am with US Bank, I checked online banking once again after making those debit card purchases. NOW, Cash Advance says its (pending) as are the 2 debit card purchases.

On the 23rd, 2 more overdraft fees are accessed to my account, these overdraft fees were from the 2 debit card purchases. On the 23rd, the Cash Advance shows up AFTER the 2 debit card purchases.

What the hell?

I call my bank branch to get the most rude banker(I know everything about the bank that I have worked for, for 11 years-person) and she tells me that this is ALL my fault. Basically it was my fault that Online Banking does NOT reflect the true balance that NEITHER my home bank branch or online banking has.
I was transferred to Online Banking phone number at 1-800-USBanks and they told me I was lieing, I did my cash advance on the 23rd at 11:30:26am.

1. I would NOT have gone to Safeway and Fred Meyer without doing a cash advance first.
2. That time they told me was when Cash Advance was DONE pending, NOT when I click 'I agree' to have the funds advanced-WHICH they told me the time was when I CLICKED that button.

So lesson be learned.
.ALWAYS Print or Screenshot cash advances to show date and TIME!

..Cash advancing in internet banking IS NOT instant(according to bank branches) BUT WAIT, IT IS INSTANT (according to online banking support themselves)

...US BANK has their own loopholes to generate them more money off of over-drafting and cash advancing. They are liars. They have rude customer service. All they care about is every penny they can collect.

By the way, I've been banking with them for over 15 years, and got treated like they don't care.

::Second Instant

To be quick and blunt. I deposited 2 separate checks for over $100.00. I then withdrew 100.00 from the ATM to have my available funds in cash.

Us Bank holds all funds except for 100.00.

I had plenty of money in this bank account, and had TWO pending debit charges.

The next day I had a negative balance. What happened was those 2 debit charges counted TOWARD my 100.00 available funds, HOW?
Even with TWO checks deposited, STILL only $100.00 is available, not $100 for each check.

Basically, I got overdraft charges for my 2 pending debit charges, and 2 overdraft charges for each check that was DEPOSITED. Total deposit and money in bank with checks fully gone in would have been $350.00 roughly.

What happened is after all the overdraft charges was accessed that day, both checks were still being processed, the next morning not even the checks could cover the overdraft charges and it remained negative for weeks til I told them they were not taking any more money from me.

In no way, shape or form, should the bank overdraft more money than the deposits you put in. Instead they ended up taking over $700 because I had 2 debit charges pending when I decided to withdraw my $100 available funds from ONE check.

Why has this bank not been brought down? Scammers.

Us bank sucks

I wrote a check on thursday for 760.00 dollars. I get paid every friday direct deposit. My lanlord deposits the check on friday. And my accout had 360 dollars worth of overdraft fee's. I made some purchases for only 2.00 for a bottle of water. 3 dollars for lunch on thursday at taco bell and had the funds in my account. They did not process these funds held on to them for two day and I had no I dea my account was in the negative. I tried to get my money back and was given the run around and nevery got a dime back. They can kiss my a$. Every time you call customer service they put you on hold and never let you speak to a supervisor. This schoud be against the law fu* them in the a$ I want my dam money back

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.