US Bank
Reviews and Complaints

Us bank will screw you on their cash+ visa card

This should be a warning to potential new customers and existing customers who apply or currently use the cash plus visa card from us bank.

They screwed us out of $200 in rewards because of a technicality with their web site. We are so upset; we are now looking for another bank as well as cancelling their credit card.

We received the us bank visa card about 2 months ago. It is a card where you select categories online that you want 5% cash back (Two categories) and 2% cash back (One category). Every other category is 1%. Right, it is confusing to remember this crap even if it does work as you expect.

Here is what happened: we went online may 19 to select furniture for our 5% category because we planned to go out the next weekend to buy furniture. The site registered our selection. We did not yet select our other 5% and 2% category as we were not sure about an upcoming vacation. On may 25th, 6 days after selecting the furniture category, we bought about $5200 in furniture. Later on may 28th we selected our other categories from the site.

When our statement came, we received only 1% reward for our purchase! Their records show our category selection was made after our purchase, which was totally incorrect. The phone rep said they required all three selections to be made before any of the selections go into effect. However, there is no mention of this on their site. The site registered our selection because when we logged back in on the day of buying the furniture, the site showed our previous selection.

Bottom line is that the representatives said there was nothing they would do. They offered a small additional $50 as a compromise which would still leave us $150 short on reward cash. That is not acceptable when it is their system that caused the error to begin with.

Now I am on a campaign to place information on every web site I own and on every complaint board to warn people about the us bank cash+. This is more about the principal than my time.

Us bank, rename your card to cash minus because that is what you do…. Cheat customers out of money.

While on the subject, I don’t think they want you to know when you get cheated. Their statement shows a single line with the amount of money you earned on purchases. Thus, you don’t know how much was at 1%, 2% or 5% and don’t know which purchases earned it. If the discrepancy hadn’t been so high, we might not have noticed the difference.

As a comparison, we will just start using our fidelity american express card for everything until we find another visa or mastercard. With our amex, we get a flat 2% on everything. No limits, no remembering what to select for this month, etc., and amex shows on the statement how much money we earn on every purchases, item by item.

Shame on you us bank for cheating us. It should be illegal. My complaints, bad reviews, and web postings, and registration of this page with every search engine will continue until you set things straight. Thus, postings will likely be there forever!

[protected]@sturdylink.com

US Bank is the worst company that I have ever dealt with. DO NOT BANK WITH THEM! I have a mortgage account with the company, and is the biggest mistake that I have ever made! They have no personal skills. They do not try to help their customers or care to help their customers. They constantly raise rates and we tried to do a loan modifications to help alleviate the increase but they declined it. Also it took for ever for them to process the paperwork and then they had no legitimate reason for them to decline it. They probably declined it because too much time lapsed. (Which is their fault, but they wont take the blame for it, of course) They lose payments and charge you for their mistakes. It is by far one of the worst companies. Please be warned!

I made a payment online and mistyped my account number, missing ONE number (to be honest, I don't know how this is even possible since you have to type the number in twice). I then realized my mistake and fixed the problem ON MY OWN. My payment was NOT late. **I can't help by recognize the if their online system was easier to use (ie: remembering past payment options, recognizing short account numbers) this issue NEVER would have happened** I called and spoke to two people who assured me there was no charge issued. Six days later, however, I was charged a NSF fee of $25. The funds were NOT insufficient, and the payment was NOT late. Customer service refuses to extend the courtesy of removing such fees; even though IF the payment had been late, the fee would be removed. Honestly makes NO sense that due to a TYPO I am charged a fee. I was finally put in touch with a "supervisor" (Dominique, I believe) and left a message asking her to please call me back either way. Of course, NO RETURN CALL. So now, I am charged a fee for a TYPO that could have been removed if my payment had been late...unbelievable. I have been with the company a short time (Since Sept., and my payment history is absolutely superb - even paying more in principal each month), but I feel that I have been treated horribly and will be looking for another place to take my business. I urge people to NOT go with USBank as it appears they DO NOT CARE about their customers.

So I’m looking to refinance my house, and I have both the mortgage and home equity loan with US Bank. I have no balance on my home equity line of credit, and a credit line of $30, 000. To subordinate the home equity loan to my new mortgage will cost $250. I wanted to explore the option of just closing out the home equity line of credit, instead of subordinating it to my new mortgage. That turned out to be a big mistake.
I call US Bank on September 24th, getting bounced around to three departments before finding the right person. I ask the person if there is any penalty for closing down the account, she reviews the contract, and tells me there is no penalty. So I go ahead and ask to close down the account. She says “are you sure, because once I do this it’s permanent?” I’m sure, so I say go ahead. She tells me that the account is permanently closed now and that I will get a letter in 2-3 days acknowledging that.
A week goes by, no acknowledgement letter.
I call US bank on October 1st, getting bounced around to three departments before finding the right person. I ask why I haven’t received the letter yet. I was told the account was improperly closed out. So I ask her to close the account out. She tells me that the account is now properly closed out, and that I will get the letter in 3 business days acknowledging that. I ask if there is any way to get the letter faster than that (as my refinance is being held up) and she tells me no, there is not.
Over a week goes by, no acknowledgement letter arrives.
I call US Bank on October 10, I only get bounced one time, so a significant improvement there. At this point, I have acknowledged my name, account number, the last 4 digits of my social security number, my birth date, and have explained my issue, eight times to eight different people.
I am now told that my account has no balance (correct), and no line of credit (this was either eliminated on September 24th or October 1st). Ok, fine. For the third time, I ask for the account to be closed out.
Now I’m told the penalty is $300 for closing the account too early. So I make the obvious argument of, “I was told there was no penalty for closing the account.” And then the obvious response from customer service was, “well, that information was incorrect, I’m sorry.”
Then I ask, “well, can I then get my line of credit back?” And the response from customer service is, “no, that can’t be done, it was permanently closed.”
So essentially, US Bank has left me with the following options:
• Pay $250 to keep a home equity loan open with an approved credit line of $0.
• Pay $300 to close the home equity account, when I was previously told there was no charge.
• Cancel my refinance and pay fees for breaking that.

US Bank’s horrible service boxed me into a corner. I could have lived with paying the fees, but paying the fees to keep something that has now become absolutely useless to me is a bit ridiculous.

It was a very disappointing overall experience. There are plenty of places to bank, choose elsewhere.

I had leased an auto through US Bank with a contract stating that:
(1.) There is a "LEASE TERMINATION FEE" ($395.00) and;
(2.) A "EARLY LEASE TERMINATION FEE" (formula shown in the contract)
both of which I was aware of.
BUT when I exercised my option available to me in the contact to "PURCHASE THE VEHICLE", I was assessed a 'PURCHASE FEE" ($350.00) which in not stated in the contract as was the "LEASE TERMINATION FEE" AND "EARLY LEASE TERMINATION FEE". I protested my concerns to US BANK but it fell on deaf ears.
I then presented my concerns to several legal firms seeking their help in recovering my $350.00 but ALL of them DECLINED ASSISTING ME BECAUSE THERE IS A "NON-CLASS ACTION CLAUSE" AND A "ARBITRATION CLAUSE"(ABORTRATOR PAID FOR BY US BANK) in the contract. SUGGESTION TO ALL...DO NOT SIGN ANY CONTRACT WITH US BANK...IN DONG O SO, YOU MAY BE PUTTING YOURSELF IN SOME TYPE OF FINANCIAL JEOPARDY. BE AWARE OF THOSE FINAL SMALLER LETTER WORDS AT THE BOTTOM OF ANY CONTRACT. AGAIN, I SUGGEST THAT YOU DO NOT DO ANY BUSINESS WITH US BANK OR YOU MAY BE VICTIMIZED AS I WAS IN DEALING WITH THEM WHEN LEASING A AUTO.

I went over on my debt card by .67 cents and it wasn't until 30 days later that I was notified that I was over drawn on my account. The letter stated that I owed then $275 and that it would continue to increase until I paid them. I went down to close my account but was told that I had to pay them the $275 first. I asked them why it took so long to let me know that I was over drawn, they just told me that it was my responsibility to keep track of my finances. I agree with that but $275 charge on .65 cents was a little harsh. The worst part is that it went up to $450 before it stopped. Times were hard for me at the time so I couldn't come up with the money. Now I find that I owe $1400 because it went to a collection agency. All over .67 cents. Talk about interest.

Went in today to open up another account with US Bank which was going to be a business account and because of the horrible service decided to closed all accounts! the assistant manager name Mamta Patel was so rude, I stood up from my seat and told her to close all accounts associated with US BANK. She had the nerve to refuse to give me my money. Which was all cash! I then had to demand my money which she still did not give me and close my account gave me half of it refuse to give me the rest. Beware of small banks like these because it is always a reason why they are small and have no customers. Will never do business again with them, she made a bad name for all of the US BANKS as far as I am concern.

Its pretty bad that in order to finally get a real person you have to lie and say your card has been stolen. We can start with that. I don't get a whole lot of child support. Maybe 17 dollars a year (Dead beat dad). I had had $4.65 left on the card and I was waiting a whole year for that next $17 so that I had enough to actually buy something. Considering most places wont even let you use a card unless your doing at least a $10 purchase. So I get a notice they have taken my $4.65 over the last couple of months for inactivity fees. Now how can I use the card when I don't get any money on it?
So I decided to call them and find out what was going on. After an hour on the phone and still not finding a real person, I pushed option one for lost or stolen card and got someone. After listening to a recording telling me "this call will be recorded and if at any point you raise your voice, are rude, cuss or conduct yourself in anyway but a calm manner, the call will be automatically disconnected" I got to talk to someone. And was reminded twice to conduct myself in a calm manner because I slightly raised my voice. Generally when costumers are calling they are upset about something. They are suppose to deal with that problem. Not hang up on the customer the second they get upset. But I bet they don't get many complaints, at least when the customers can actually find a person to talk to.

Theft...how do you sleep at night knowing you stole from and honest man! I will let the world know that US Bank and its employees are common thieves! This is how you make their millions.

I would like to thank US Bank for STEALING my $63.60 payment from me. I paid my AT&T phone bill in good faith and had to report to you jerks that a $52.95 charge was not valid. In this process you decided that my AT&T payment was fraud and decided to take it as well. I sent you a faxed letter telling you this was a valid charge; you jerks proceeded to take the money back anyway causing my phone to be disconnected. Now you tell me it was paid to AT&T, and they deny it being paid since you STOLE from them as well. Then a lovely supervisors said it was legitimate and the money was US Banks "SIR WE DON"T MAKE MISTAKES"...

YOU ARE COMMON THIEVES!

It so nice to know that you have stolen twice from me, so this is how you make your millions...STEALING from common people. I'm sure some little girl or guy is going to send me an e-mail stating you aren't thieves it everything is on the up and up? Because you don't have the stones to call the person or face them straight up...

I opened a bank account with US bank in August of 2011. In January of 2012 I noticed that there has been unauthorized charges on my business checking account. Called the Fraud Deartment for US bank, filed a cliamed, they processed and approved the claim. They credited the money to my account and shortly after, without any notice or warning, they stopped all the activies for the account and took the money in there and put me negative $2200, then closed the account and reported me to Chexsystems. Their explanation was that under section E, the bank is not reponsible for any unauthorized charges for business account.
I like to know if the bank is not responsible under section E for unauthorized charges on business accounts, then:
a: Why they took my claim to begin with, if under section E the bank is not responsible when the fraud happens on a business account?
b Why they process the claim and promised provisional credit if under secion E the bank is not responsible if fraud happens on a business account?
c: Why they deposited the money into my account as provisional credit if under secion E the bank is not responsible if fraud happens on a business account?
d: Why they froze my account without any notice or warning to me and then took the money which was in it and made me negative $2200?
d: And why they reported me to Chexsystem when they are completely aware of their own wrong approached to my situation?
Do not do any banking with US bank. I should have research on their services before opening an account with them. I am hoping that customers with similar issue to contact me because if we have enough people, we can take legal action.

I have a car loan with US Bank. The title was in my husband's name but I have been making the monthly pmts for the past two years(on time)> I decided to have a new loan to be able to have the title in my name. Got the new loan thru US Bank with a very hight interest rate--- in January, I called and told them I could not pay the payment because I had other expenses that I needed to pay. "NO problem" he said if I would pay Feb and March 1, 5 more pmts, then I would be ok. When I made the first 328.00 pmt the phone never stopped ringing and harassing me. I explained what I was told and they would not believe me. They sent me a bill for over 600.00 to pay immediately. I called and called but they turned it over to collections. By this time I was mad as can be. I am a lady almost 80 yrs old and not used to being treated like a criminal. The phone calls every 20min all day long til almost 9pm were gettting too much. I called them again and explained, I just made the second 328.00 for March and still get phone calls that now I owe penalties. I am sick of these people and the phone calls still continue all day long until 9pm. DO NOT DO BUSINESS WITH US BANK THEY TREAT YOU LIKE A CRIMINAL----I JUST HUNG UP ON A US BANK REP

I consistently pay 2-3 weeks ahead of time on my us bank credit card and us bank mortgage. I also have 2 checking accounts and a savings account.in feb 2012 my visa minimum payment went up a little and I did not notice because I have gone along with their requests to drop paper statements. My bad. My regular automatic $300 monthly payment came up one dollar short and instead of notifying this long-time loyal customer, us bank decided it was good customer relations to charge me $25 for the missing $1. They are no doubt correct that this is allowed in the fine-print but maybe someone at u. S. Bank will notice that this is not the way to keep customers. A very polite customer service agent sympathized but could not / did not offer to waive the 25 bucks. Instead he advised me to pay the one buck to avoid collection calls. Obviously, I did. Hope their execs enjoyed their bonuses that came from our tarp money. "all of us serving you" it says on my card. Humbug!

Two employees at the Seattle, WA White Center US Bank branch have brought disgrace to the already disliked bank that has had a chronic issue of having terrible customer service, nonexistent in my case.

On July 12, 2011, I decided to go to my US Bank branch (located in Seattle, WA in White Center) to cash a few checks and pay my monthly home mortgage. I walked up to a teller and her unpleasant aura immediately overwhelmed me. She obnoxiously told me that there was a fee of $5 if I wanted to pay my home mortgage without a US Bank account. I was extremely surprised since I had never been asked to pay this fee. I then simply asked her if it was possible to waive the fee this time and then let me make an account later that week. It was a simple yes or no question. She then rudely said NO and, I kid you not, THREW my ID card and my cash at me. How dare she have the audacity to throw anything at me. I gave her a piece of my mind and then left in a fury.

On July 14, 2001, I woke up and realized that there were too many employees out there that have forgotten the term "customer satisfaction." I then decided to go back to that wretched branch and file a complaint on the rude employee. Somebody had to do something to make sure that other innocent customers didn't have to deal with whatever she was diagnosed with. I walked into the bank and asked to speak to someone with authority. I was then led to a woman named Paulette, who turned out to be the worst nightmare. As I retold her of my experience and of my plans on filing a complaint, she had a belittling stare and looked as if she didn't believe a single word I was saying. She then made unhelpful comments and said something along the lines of defending her employee in the given situation. As if that wasn't bad enough, she began interrogating me and arguing with me about who was at fault. Honestly, all she had to do was take her lazy bottom to a security camera tape of that day and the truth would be clear as glass. But like all uneducated employees that know nothing of customer service, she argued and made it seem like I was the one throwing things and giving attitude. And all throughout my talk with her, never once did she give me anything to write my complaint.

They say that employees represent the company, whether it be good or bad. In this case, the White Center US Bank branch is a representation of true failure. Already lacking in exterior, the bank is also infested with demeaning employees that in no way show understanding of customer satisfaction. How dare US Bank even mention that it was voted best for customer satisfaction. In the end, I had to resort to calling US Bank's toll free number for customer service and filing a complaint on both of the rude employees. I truly hope that my point gets across. As a customer, I am the one giving you business. And because I give you business, you should treat me with respect. End of discussion. US Bank, you have failed me with your lack of care in hiring employees.

After I moved to another state and after my ssi direct deposit started coming at my new bank... I wrote my bank branch and explained that I had moved. I gave account info and went above & beyond to prove who I was and requested that my account be closed! They called and said they cannot close my account that I must go in personally to a us bank to close my account! This is just plain wrong! the town I moved to doesn't even have a us bank... I would have to go a long distance to get to one being new here and suffering disabilities I feel they are asking too much of me. I never would have opened a us bank account in the 1st place if I knew they refused to close bank accounts via mail request. I am being held hostage by us bank! They are forcing me to pay monthly fees for a bank account that is totally obsolete... They are providing a disservice to me! How is that ethical or moral? To force me to maintain a bank account with them & pay fees when I have no use whatsoever with that account they are getting money from me for nothing. Can anyone spell highway robbery? Are they that desperate and greedy.

We are very experienced lessee's of cars. I do not think it is an exaggeration to say that US Bancorp is the worst company to interact with on car lease turnins in the country! Most leased cars coming off lease today have significant positive equity values relative to their residuals. US Bancorp did everything possible to try to capture that value for themselves instead of the consumer. Just call Carmax and ask them what one bank (large or small) will not work with them to facilitate a typical direct transfer- The answer is US Bancorp. Our local dealer, where we first bought the car, had the same complaint when we tried to see if it was just a Carmax thing. The amazing thing is that dealer was the one who encouraged us to go with USBC originally. To keep the equity value for ourselves, we ended up having to first purchase the car from USB ( a process that took several weeks even though we paid extra to do everything via Fed. Express) in order to resell it to Carmax. As a result, we had to pay $1, 500 in extra sales taxes and the value of the car went down $700 because they took so long. Avoid them at all cost!

Was recommended to Melvin R. Blann the fourth because he had won multiple five-star awards in a row, featured in Milwaukee Magazine. Unfortunately talking to him he seemed rude and not knowledgeable about basic subjects. It was strange, but further research revealed he had paid for his awards. Looking on their website, some of their other advisors do it too.

Where I found out about the scam:

http://www.thefinancialcoach.com/5-star-wealth-advisor-award-truth-or-scam

Is it legal to charge an overdraft fee on a check when it clears and there is money available to cover it?!?!?! I think they are saying that there wouldn't have been sufficient funds by the date on the check, but I knew I had a deposit coming in, as it did, and there was money there when the check cleared. What kind of BS is that?!?!?! So if I didn't have overdraft protection would they have returned the checks with sufficient funds available to pay them?