US Bank
Reviews and Complaints

I recently got a car loan from US BANK and it was a whopping $80,000! I'm 50 years old and have perfect credit. I've never missed a payment and always call in to confirm my payment with a ref# so there's a record of it. I took out the loan in June 2018 and made perfect payments until November 2020 when I called in with my payment and was told they didn't receive my November payment. I gave them my ref# and information and the representative told me I was good. However, it turned out that they used the wrong account number to pay my bill and it wasn't until I called in to make my December payment that I found out. The representative, Angela, was very sweet and helpful and fixed the issue. However, my credit score dropped 100 points because of this mistake and I've been struggling to get it fixed ever since.

I've called US BANK multiple times and have been put on hold for hours, passed around, hung up on, and talked to over 20 different people. Some of them were helpful, like Angela, but others were rude and unhelpful, like Larone who talked over me and then put me on hold for 10 minutes before hanging up. I just want them to fix the one score on my credit that they messed up on, but they don't seem to care. They're great at taking your money, but terrible at customer support.

I've sent in a dispute five times and have been denied every time, even though I've sent them all the information they need to fix the mistake. I've even posted on Facebook and other social media platforms, but all I get is an automated response. Someone did call me back once, but I've called them back every day since and haven't heard anything. It's frustrating and I feel like they don't care about their customers.

I'll keep posting until I get help and I hope others will read my negative reviews and think twice before doing business with US BANK. I wish there was a lower rating than 1.89 because that's what they deserve.

My name is Vincewhitley/***@yahoo.com ***298 and I recently had an unfortunate experience with USBank. Although I do not have an account with them, I went to their location in Chicago, 3756 S Wallace, to withdraw money from my American Express prepaid card. I had received a $700 Refund Advance loan from Jackson n Hewlett Tax service and was told that I could use my card at any USbank ATM without being charged a fee. However, as soon as I inserted my card into the ATM, it was sucked in and not returned to me.

I immediately contacted American Express serve and was given two options: wait 10 working days for a replacement card to be mailed to me or go to the bank when it opened in the morning and see if they would return my card. I chose to go to the bank the next morning and speak with the manager about what had happened. However, the manager refused to let me prove that the card was mine and threatened to shred it. Despite my attempts to explain the situation and provide documentation, the manager took my card and refused to return it to me.

Feeling humiliated and hurt, I returned to the bank the next day to try to resolve the issue. However, the manager still refused to speak with me and did not return my card. As a result, I am still without access to my $700 and feeling very disappointed and confused.

I understand that mistakes can happen, but I feel that the customer service I received from USBank was unfair and did not value me as a customer. As someone who does not have an account with them, I was treated poorly and left without access to my money. I hope that in the future, USBank will do better to serve all of their customers, regardless of whether or not they have an account with them.

U.S. Bank used to be acceptable, but lately, they have been awful. The phone help has been particularly thick, and I mean thick! I had plenty of money in the bank and found a bargain on an old guitar amp I had been hunting for. I told Jim I would take it and ran down to the quick mart to use the ATM. However, my card was rejected due to insufficient funds. I called them and was on hold for a long time, which was new. So, I texted the guy and told him I wanted it while trying to talk to my bank. I waited for 15 minutes, and the girl said everything looked fine on her end, and I should try another ATM. I was getting nervous and drove to a Walgreens, but the same thing happened. I called and was on hold, telling the guy I was still trying to get my bank to fix this. He said okay, but the lady said I didn't have enough funds. I said, "Don't I have $700 in there?" She said, "Yes," and I said, "So, I have enough." She said, "Oh wait, yeah, you do." So, what's up? She said she had to talk to a manager, so I waited for 15 minutes. She came back and said that my limits were too low, and I said, "My limits are $1400." She said, "No, they are $100." This went around and around, and one after another incredibly stupid person tried to tell me what was wrong. Only their version of what was wrong was completely different from the previous one, and this happened about six times. All the time, I was texting the guy and trying to call him every now and then just to let him know. Over an hour and a half went by, and finally, he said, "Don't worry about paying that much. I'll take half of what I was asking. I feel bad for you." I don't know if he felt bad because my bankers are idiots or because he thought I was broke. But it's happened every time lately, and now they have Filipinos on there. I like Filipinos, don't get me wrong, but I hate it when they answer my phone calls because they are not actually employed at this bank. Therefore, they don't actually know what they are talking about to any great degree. They are just expected to know every little rule and regulation when they're probably doing call center work for ten different businesses. In most instances, the most they do is apologize and act as a buffer for people who are angry and want satisfaction. They are the masters of apologies. They can spend more time apologizing than people usually spend on an actual problem. I finally have to interrupt and say, "Excuse me, but quit apologizing. The only thing you should be apologizing for is apologizing as much as you are because you're not doing anything. You're just wasting time." Today, I had to pay my rent, and I usually take some money out of savings and checking. I've been doing this for years, but like last time, everything has changed, and I can't do it because they say my wife has to, even though both of our names are on it. They told me to do it once already, and they tell me this after I've already done it. I get her on the phone, and she's angry because she's a nurse, and she has to come to the phone and talk to these people for a long period of time and get herself verified. But they finally say they have transferred it, and they're about to give the transaction number, and she said, "I don't need to know the transaction number. Can you please just email it to me?" She says, "No, here is your transaction number," and there is silence. It was here, let me see. My wife is p***ed. She says, "You can't find the number. Why don't you just email it when you find it, and we'll just do it like that? Can we do it like that?" She says, "Yes, of course," even though she said no moments ago. So, she hangs up audibly, and the woman says, "Oh wait, oh wait! I said she hung up." You told her it was okay, and she says it was not okay. She says now that she has to call from her phone, which is a new condition on her account that happened in the last five minutes. Long story longer, we didn't get the rent. I've had more problems in the last few months than the previous six years. Today, I spent 11 minutes on the phone, conflicting reasons. She called for 15 minutes, then tried on her computer at work, another 20.

I opened my account with US Bank back in July. I was on the lookout for a new bank, and with my mom's recent health scare, I've been struggling financially. US Bank had a great sign-up bonus offer of $400, and they have branches everywhere where I live, so I decided to go with them based on that alone. However, I wish I had read the reviews on this bank first! If you are looking for a new bank to bank with, I hope you read these reviews and do not take what anyone is saying on here lightly. While reading through them, knowing what I know now, I couldn't even believe what I was reading. It was like I could've written these all myself cause I've had identical experiences with every bad review written!

This has been the worst experience with any company ever in my entire life. From day 1 when I opened my account, the site crashed and told me it didn't go through and that I needed to contact my local branch. They sent me an email with a new, somewhat prefilled application to fill out and told me the promo code for the sign-up bonus was applied. (A week later I got an email that my account had been approved on the one that crashed and I now had 2 accounts, which somehow messed up my Zelle and everything else after I closed the 2nd one. Got that straightened out finally though).

So, luckily while I was on the phone with a supervisor named Chris due to unrelated issues, and I asked him when I'd be getting my bonus, he caught that the promo was never applied and he applied it and left great notes. It was the last day, so I'm grateful that was fixed in time. Then I called back on Tuesday to make sure it was applied and the agent verified it was and that I was very lucky to get Chris, as he's worked nearly every department and knows how to get things done right.

I was told by this agent I should be seeing the bonus in my account any time within the next few days and would have already had it if it weren't for the holiday weekend. So as days went by I called multiple times and spoke to multiple agents who all said something different, but 2 others who seemed competent confirmed with me that I would have by bonus by Friday. It never came. I then started to panic as I had borrowed money that had to be repaid in the next few days, and I was counting on that money. I would've never borrowed if I didn't get confirmation from 3 different agents that I'd have the money in my account by Friday.

I was told I'd get a call back regarding this on Saturday and that never happened and I was unable to get in touch with the worker who was handling this. Come Monday I find out I was misinformed and they opened an investigation, to which I had all the names, dates, times, length of conversation, and what was told to me by each employee I spoke to about this. I was told my information didn't match up with theirs and that it would be impossible to locate these employees or look up the recorded phone call. I even sent screenshots of each call so it could be verified. Didn't matter. They were not going to honor this bonus and I was told they had 60 more days to issue the bonus, if I even get it at all.

So, I panicked even more as I was hoping for a good outcome and that they would honor this bonus like I was told, and I had to repay the money I had borrowed that day now, and didn't have it. I called my aunt, who I've never asked for anything, and told her I urgently needed to borrow $200. She Zelled me the money right then. I rushed down to the 7-11 on the corner to pull out $140. I previously had to overdraft my account cause I needed gas and food, and thought that the bonus would hit my account and balance that out.

So after they took the $42 for the overdraft off the top, I had $158 left, and tried to pull out $140. The transaction was declined. Then the ATM told me to take my card, and as soon as I pulled my card out, the ATM shut down and said temporarily out of service. I figured it was declined because maybe it was out of money and that's why it shut down, but when I pulled up my online banking I saw that they pulled the money from my account and I only had $18 left now.

I called the number on the ATM and they told me to call my bank. I called US Bank and told them what happened and they said they would file a claim and that I'd be notified within 10 business days of the outcome. I said "10 BUSINESS DAYS!?!? I can't wait that long! That's like 2 weeks and I just had that money sent to me cause this was urgent!" She assured me that they have to say that, but that they get to these things very quickly and I'd likely have the money back in my account within 24 hours.

Well, here we are 11 business days later, and probably 30 or more phone calls to them later, and no money. Every person I've talked to has told me something different, or didn't want to deal with this so hung up on me or transferred me to a department that was either closed or wasn't even for customers. So I'd have to call back again and start the whole process over. I finally spoke to someone last night who was able to pull up my status and said the claim was denied.

I said "how could this possibly be denied? There's cameras everywhere, the ATM didn't dispense any money and probably ran out of money which is why it shut down. You guys can't just steal my money!" She said it was denied because it wasn't one of their ATM's and that I'd have to call the ATM company. Went back to the 7-11 today and called the ATM company, who told me I need to call my bank back because they don't do claims, and that my bank can't deny me because it's not their ATM and that's illegal.

Called my bank back and got the 3rd competent person I've spoken to in the 100's of calls and employees I've spoken with. She said I was denied because the person who filed the initial claim did not enter any of the information into any of the fields to file this claim. She couldn't believe what she was seeing and that no one else had caught this, and she couldn't believe the claim was denied instead of them fixing what was a very simple thing to fix and an employee error at that. So she fixed it and refiled the claim, which I'm sure will take another 2 weeks to get my money back.

The employee that fixed it, Vicky in Arizona, told me she would personally keep an eye on this and make sure it gets done as quickly as possible. She said she wanted to cry for me, as she has with so many other customers after seeing what they've gone through. I'm very grateful I got her or this could've dragged on forever. She is far too good to be working for this company.

Aside from the supervisor Chris, Austin in Las Vegas, and Vicky in Arizona all of the 100's of employees I've spoken to have been rude, incompetent, and have given me false information, which has led to many agonizing follow up calls that have taken up so much energy, and so many hours out of my weeks! The whole experience has been one nightmare after the next and has nearly brought me to a mental breakdown multiple times. This review has barely skimmed the surface.

I will never use this bank again nor recommend it to even my worst enemy. I don't wish this kind of hell on anyone. So if you've read this far, be warned! If you sign up with them anyway, you'll be the next to write a bad review.

And a note to the supervisor Chris, Austin in Las Vegas, and Vicky in Arizona? I think you deserve better. But if you stay I truly hope your superiors see this review and promote you to top positions within the company. If they had any sense they would, as I believe you are the only people who can turn this company around and set the standard and give the proper training for all the other agents currently employed, as well as all future hires. Otherwise, I don't see this bank lasting much longer with all these terrible reviews from countless customers who are no doubt all probably banking with someone else now. Good luck to you all and thank you!

I opened a Silver Business Account for a small business I have. I selected US Bank because they were a large company offering a $500 bonus.

Starting the account was very difficult. US Bank seemed to struggle with the simple stuff. I was told that they could not open an account for me because I live in a state where there are no US Bank branch offices. After a week, I was contacted by US Bank and told that they would be able to open the account. I explained the reason for selecting them and stated that the $500 bonus was a large factor in my decision. After 60 day period, my bonus never arrived. I called several times to resolve an d finally was told that the promotion ended before I started the account. I have screenshots where they still advertised the promotion 2 weeks into the month after they said it ended. They still don’t have my name correct but I’m canceling the account so it doesn’t matter.

I tried to deposit a $114,000 check (From an attorney trust account) into my checking account. This was from a personal injury settlement & I spoke to a customer service agent and a person at the branch and they said there was nothing that could be done. I had asked the branch to contact the bank of the attorney & they said they would not do that and that I would have to "Wait a little bit longer". While I understand there is a policy in place, the US Bank employees were not willing to help at all. I suggested that they contact the attorney's bank & they would not do it, As a client of this bank for over 30 years to be treated this was is unacceptable & something that US Bank should be embarrased of. Once these funds are available, I will be closing all accounts with this bank as they would not even attempt to help me, the client, and that is 100 percent unacceptable.

Hello,

I was not able to renew CD yesterday, so it renewed automatically at a rate of only .05% for a 6 months term.

US Bank refused to do anything to adjust the rate or term. So I had to close the account.

When I closed the account today i was charged 1% of the deposited amount or $250.

This amount is excessive and usury, even though the money is my own.

I wanted to report the deceptive, unconventional and usury behavior of this Bank.

John Schmidt

[protected]@yahoo.com

[protected]

My name is Howard Langley. My wife and I have had an account with US Bank for over ten years now. ONCE AGAIN, today my hard earned paycheck went into my account, and before we know it , we have $150 in overdraft fees. Clearly something that could have been avoided with a simple decline or heads up from our bank. OR just charge one overdraft fee, and decline the rest. But apparently US Bank is happier stealing my money than being a reliable, family trusted bank. This has happened before and we have been incredibly patient. This time however is too much. My family is on too tight of a budget to deal with these shady dealings from, what should be , a bank we can trust and mean back on. In my line of work, I have plenty of younger people setting up direct deposit accounts and needing to know a good Nanak to set up an account with. I’m not really sure where to point them anymore, but I will make sure I tell them us bank would be a mistake.

Do better US Bank

Yes I had open up a Checking/Savings, account in [protected]. Now unaware to me, the branches opened up 3 more of each and no one claims too be able too find those accounts. But in 2021-22, during Arbriation US BANK, Attorney claims I had

1. Checking

2. Secondary

3. Auto loan only.

Inside of groceries store on Foothill and Euclid in Upland, Ca.

Several months ago, I resigned from US Bank. I had a 401k. I contacted employee's customer service about this issue because I was concerned about fees taking my small balance and putting it in the negative, and they stated that since I had only worked there for two weeks and had about 8 dollars in my 401k, it would automatically be dissolved and the funds transferred to me in a check.

However, I just received a 401k statement that clearly shows that this 401k was not dissolved. As I expected, you decided to charge quarterly fees as well.

I opened a business checking account recently. Trying to fund the acct via online transfer etc. However, in order to do so I need to complete a Funding Form. I called asking for an account no to transfer the funds. But was told that account no can't be given over the phone. So I sent in the money using the Application ID as instructed. I have not been able to talk to a customer service agent regarding funding the checking acct since I am not given an account no. This is the worst customer service and bank I have come across. Most banks would provide acct no instantly. But with this bank you need to fund the acct virtually first in order for the bank to provide you with an acct no. Long wait times on the phone. When I got hold of the banker, the line was cut. Terrible.

ATTN: Credit Department

I applied for a US Bank credit card on September 7, 2023.

REF: [protected]

Regardless of why my consumer credit application was denied, it is a violation of the Equal Credit Opportunity and Consumer Credit Protection Acts.

Denying me my right to credit and access to my securities is Fraud!

Since my application has been denied please retract my application collateral security.

Signed Mathew Christopher Carter

Authorized Representative for the all-caps estate MATHEW CARTER

I just called US Bank and redeemed 2 CD's several months early. The penalty they charged was 3% of the CD amount!

These CD's were only earning .0015%, which on a $40,000 CD would be only $60 per year before compounding. I was charged $1,266.31 in penalties!

Most banks charge you several months interest as a penalty but do not take any of the original principal,

This is outrageous - at most I should have been charged maybe $200 or less.

I use the US Bank Focus Card from where I work my paycheck goes on the card I tried to use my card for gas and it said invalid so I called them and they have to ask me for a password when I call because I had someone try to change my information before. US Bank allowed someone without my permission to charge Blue Cross and Blue Shield on my paycard. They have made my card inactive where I can't pay my bills that are due this weekend and I will have late charges that they should have to pay. They would not even let me get my money off of the card. This is there fault for letting someone do this without my authorization. I am very unhappy with them but they said they don't care. They should have to pay for the card to be expidited to me but they refused even though it was there employee that screwed up my account. They have made me where I have no food either to eat because my money is on my card they made inactive.

I had a debit account with Union Bank and they were apparently purchased by US Bank.

I received a statement for $1055, and have tried to get information on how a balance could get that high. They can't provide me any details whatsoever, won't or can't send me anything to support it, yet continue to send statements, and I assume negatively impact my credit.