US Bank
Reviews and Complaints

I gotta tell ya, if you're thinking about US Bank, you might wanna think again. I read some bad reviews, but I figured, how bad could it be? Well, let me tell ya, it's pretty bad. I signed up online 'cause the branch near me only takes appointments. But then there was all this red tape and my direct deposit didn't start right away. So my next paycheck was a physical check from a big national bank. But when I deposited it, it didn't show up in my account. I called customer service and they said they put a two week hold on it, but they didn't know why. They told me to call the local branch, but you can't talk to anyone there without an appointment, not even on the phone. So I made an appointment and waited all weekend (they're closed on Saturdays). But no one called me. So I sent an email and finally someone called me back. She was nice, but she said they hold all paper checks except for US Treasury checks. She couldn't help me, but she got her manager to call me after hours the next day. But the manager was a real piece of work. She didn't care at all about my situation. She said my paycheck was unlikely to clear and they wouldn't reimburse me for the overdraft fees caused by their hold. She didn't even pretend to care about the burden they were putting on me. This bank doesn't care about new customers. They have terrible service and sneaky policies. Do yourself a favor and go somewhere else for banking.

For some reason our account is tied to 2 user names etc. We were assured 5 years ago that this had been fixed. Today again I could not make an auto pay date change not could customer service help me. Larry and Paula Kurtz--paula.[protected]@gmail.com. Also I just tried to schedule an appointment at our local branch and that would not work. We have had our accounts with US Bank for over 50 years.

I have an investment account and decided to close out the account to pay on the purchase of a house. I started inquiring on how to have it transferred to my checking account early May 2023. On May 24, 2023 I asked for the transfer to my checking account which is also at US Bank. They said they would sell and transfer to another account and then it could be transferred to the checking account, which the process should take 4-5 business days. I called may 30 to follow up and was told to wait a day or two. June 1 they said it should be transferred June 2. The money appeared and then disappeared twice. Now the investment category is completely gone. It had shown the $$ as an ACH transfer and another called bank sweep. Now that information is also gone from my account. Yesterday, said it would be today. Today they now say it will be tomorrow. One person said it was a glitch and another said it was sent to an invalid checking account. This is causing undue stress; I've had 2 strokes and feel like I'm having another. The closing on the house is next week.

The very first complaint I read on this site about US Bank was exactly the same as my complaint.

Here are my specifics: Based on a promotion that I received in the US Mail, I made an appointment with my local US Bank branch to take advantage of the promotion.

I opened a business checking account on February 15, 2023 with $3,100 dollars. The promotion stated that a $3,000 balance had to be maintained in the account for 60 days and that within 45 days after that, US bank would deposit the $500 promotion for opening the account. The $3,100 has been reduced to $3086.02 at the time of writing this complaint (May 25, 2023) because of monthly service charges which were not revealed to me when the account was opened. I have waited for almost 45 days for the promotional deposit to be made, but it hasn't happened yet. I spoke with Tamara.[protected]@USbank.com who assured me that everything in the account looked OK and that I should be getting the $500 anytime now.

Since I haven't seen the $500 deposit in the new account, nor heard anything back from US Bank, I decided to google for more information and am now filing a complaint with your company to assist me in getting this resolved.

Just like the other person stated, I am getting an uneasy feeling that the US Bank is not processing this promotion in a timely manner, leading to suspicions of Fraud or Scam.

I opened account 3/7/2023 with $3,100.00, followed by online account set up
I was told that in 60 days a $500 promotion would be added.
I was also told and reassured that there would be no fees with this account!
The promotion was not deposited as stated in contract.
A fee was charged after banker assured me that there would be no fees for my account.
On 5-23/2023, I spoke to a bank representative on the phone and she refused to credit my account with the erroneous fee and stated that it takes 60 days to deposit the $500.
I am suspicious of fraud and would like this resolved asap.
Thank you.
[protected]@yahoo.com

Since my auto lease was offered to me by my local Jeep dealership in San Angelo, Texas, I was told that US Bank passes the new for 2023 Inflation Reduction Act $7500 Plug-in Hybrid Electric Vehicle (PHEV) tax credit to its leasees. After signing the contract, I forgot to look at the line items of my lease contract and was shocked to NOT see the $7500 in the residual line, where my dealer's Finance Manager, Coy, advised me where it should be. I immediately called US Bank's leasing department asking for clarification and of course, proof in writing that the $7500 in indeed within the residual value line. I have been given the run-around for three weeks now. I have asked for supervisors and even spoke to the "dealer" option in their call tree. No one, and I mean no one, has any domain expertise in leasing, which is shockingly frustrating, as one can imagine. How can a leasing department of a publicly traded firm not know almost anything about how their leases work and when coupled with ZERO expertise in the $7500 tax credits for the new legislation, it is a recipe for me hating my decision to ever do business with this bank. I feel like I have been misled by this bank, and possible fraud is occurring here. US Bank is telling its dealership network one thing, but when pressed to prove it in writing by a consumer, one runs into a brick wall of finance opinions and inane obfuscations. I am at a complete loss as to what to do now, since US Bank and its leasing department has been no help and additionally, keeps offering misinformation, such as telling me to ask my CPA for any new state tax credits instead. Their lacking of basic PHEV/EV tax credits is ludicrous since they are telling its dealership network something totally different. Pleas help me.

I am writing for a resolution to my complaint. I have been struggling with USBANK. In December of 2022 I received a default letter for a HELOC loan that was in my ex husbands name he was the only one on the promissory note. However in March of 2022 USBANK filed a lien against my home as a result of this default for a loan I did not know remained open and was attached to my property. On your website there are instructions for uploading and providing documents for asserting and being recognized as the successor in interest due to divorce and I have provided USBank my divorce decree, my Certificate of Title number 81133 and a Summary of Real Estate Disposition Judgement. On March 31, 2023 a payment was made through your portal for the HOMEHELPMN program and you received $37,006.82 on my behalf to stop my home from going into foreclosure. USBank will not upload my documents so I can get statements and other documents and information to keep this loan current and to have a record of the status and transactions.

Worst customer experience I've had in years! I drive out of town to the nearest branch Delphos OH, and there was one manager, one teller and one customer. The teller had me come to his window, right beside the manager, and I explained I wanted to open a $235,000 CD. He said he wasn't sure he could do it but asked if I could wait for the mgr who was still just talking away with the other customer who happened to be a friend of hers. I went over and sat in a chair in full view of the manager and sat there for about 10 minutes and kept looking for help but the manager was too busy gabbing with her friend (I could hear a lot of the conversation because the lobby is about 900 sq ft and it was not about banking business! The teller could see I was getting upset and that the manager was in no hurry to help me so he came over and said he would try and help but after a few minutes we decided he couldn't. The manager is still gabbing away and he said he signaled the manager but after several more minutes it was obvious she was in no hurry so I got up and in a loud voice I stated I was trying to open a $200,000 CD and needed her help. The customer hurried up and left but by that time it was obvious I had wasted my time, was too upset to want to open an acct at this place so I walked out. Little did she know there was a lot more money available for me to work with and invest $ and I had chose this place with the recommendation of my best friend who banks with US in another city. What a total waste of time!

I have setup an external bill payment to be sent two days before the min. payment date. On April 19th 2023 I got two emails from US Bank saying that the payment that was sent to the external account will be reversed since they were not able to pull the money from my US Bank checking account. So, I called the billing department and I was told that since I setup the payment with the wrong account number it will be reversed. I called the external bank and they told me the payment was processed and it went to the correct account number. The next day I called US Bank again, and after looking into details the agent told me that somehow your closed savings was showing as the primary so that could be the reason the billing department was not able to pull the money. She told me that she added the notes on my account and also gave me a case number for reference. Since the billing department was closed she asked me to call early morning next day and the agent should be able to resolve it. The next day morning April 20th, when I called US Bank I was told that there is no notes on my account or they cannot find the case number, then I thought there is no point in talking to customer service and wasting my time. After being a US Bank customer for more than 20 years I felt really bad with the treatment I got. This is not good for US Bank.

On March 27, 2023 I used the ATM at your branch inside a Meijers grocery store at 6550 Harrison Ave, Cincinnati, OH 45247. I attempted to withdraw $200.00 from our joint checking account. After entering my request, the ATM dispensed $180.00, $20 short of my request. After counting this money several times, and checking my checking account information on my phone, to verify that $200 had indeed been withdrawn from our checking account, I walked ten feet over to your teller Malik Johnson. I explained to Mr. Johnson that the ATM shorted me $20. Mr. Johnson was very sympathetic and offered to file a dispute over the missing $20. Which he did, and our account was credited a temporary credit of $20 while the transaction was investigated.

Yesterday, we received a letter advising us that our claim that we had been shorted $20 was denied, stating "that no errors occurred with your transaction, therefore we have denied your claim".

I hardly know where to start in telling you how irate I was when I first read you letter. You were accusing me of attempting to steal $20 from your bank, telling me that you had absolute proof that my claim was false. My first thought was to simply close all of our accounts with you bank and take our business to another bank. Rethinking my options, we decided that we were very happy with your employees at this branch and the expense and inconvenience would cost more than the contested $20.

As to your claim that your ATM doesn't make mistakes: About 18 months ago I used the same ATM to withdraw cash. I think I requested $100, but the ATM dispensed 4 $20 bills and 1 $100 bill. This was early in the morning, and with no branch employees on duty. I spoke to the Meijer manager on duty and explained what had transpired. I gave him the $100 bill and he gave me a $20 bill.

So, we will continue to use your bank, however, instead of withdrawing cash from your ATM, we will use a teller to withdraw cash. This as self protection, because if your ATM ever shorted me again, I'm pretty sure that my reaction would cause your employees to call the police.

I closed US check account on Feb 20, 2023, the agent said they will send me the

balance $3160.26. I did not get the check, I called again March 1, 2023,

US bank said they will send a new check and stop the old one.

Before April 21, 2023, I made 10 called , they repeated the same.

I went to local branch, they said the same.

I made 7 calling on April 21, 2023, many agents let me wait and tried to resolve

but did not get me back.

Finally I told to its manager today, she said the check was not cashed, so she

stopped it. They asked me to sign before they send me another check.

I felt US bank did for their purpose, and delay to send me a check

so they can make interest from my money.

i tried to access my accounts online today, 4-18-23, and all of a sudden, the only way this can be accomplished is to receive a confirmation code via text on a cell phone. my cell phone refuses to accept texts any more and hours spent with t-mobile over several years cannot correct this.

i went online a week previously and had no problem. if a confirmation was required then (i don't recall) it would have been available via voice to my cell or landline, or via email. every other institution i deal with ( 2 banks, 3 credit unions, 5 credit cards) offers these additional ways of receiving confirmation codes.

why do you now insist on communicating via the least secure method, a cell phone, using a pin attached to the least secure type of bank card and reject communication via wired connections that cannot be easily transported anywhere and are located at a physical address?

i spent a long time failing to determine how to contact usb on your website. i finally had to call the # on my cc to get to customer service. they cannot help me unless i get a debit card with a bank generated pin, which will take at least a week. this makes no sense, but they claim it's the only way. it's probably wrong. they claimed usb had no email address for me (hard to believe) so i gave it, but apparently i still will not be able to access my info online for 2-3 weeks.

what is wrong with you people, suddenly changing to make it so difficult to access accounts online? why do you reject more secure communication for less secure communication methods? why do you insist on having only one way to receive a confirmation code?

and now you will be taking over my union bank, so accessing that online info will also become nearly impossible.

and this not using capital letters is absurd. hasn't anyone at usb studied english grammar and standard writing practices? will you reject punctuation next?

Re: usb at 7405 s. Durango, las vegas [protected] inside vons

Sick & tired this branch is still "locked down" from years ago... Impossible to get service if one person available, which is the case most of the time. You folks decided to put up signage which covers what used to be the two teller windows where customers would be assisted! Now we have wait for one person who still sits behind a plastic barrier to conduct business in a timely manner. Do you realize what idiocy this is? It is an unfriendly scenario for every customer. Most customers want to get in, get done, and go about our business. And to add to the window closures, your bank machine was inop! All of this adds up to unnecessary wait times for those who decide by sitting at that one open window, they don't have to hurry... This is stressful for customers and your employees. Please open this bank immediately to pre-panic closure brought on by our government!

on 4/11/23, I was given very specific INCORRECT instructions by your customer service representative. I have a RV Loan and expected to receive a form 1098 from US Bank for the mortgage interest. Your rep told me, while supposedly reading from Bank Instructions that boat and RV interest is not deductible on Schedule A. This is WRONG!

On my prior RV, I always received a 1098 from the bank holding the mortgage.

The IRS instructions for Schedule A provide the following information on page A-8. As noted specifically in the IRS instructions for home mortgage interest, a boat is included and my 300K RV certainly has a sleeping space, toilet, and cooking facilities.

If US Bank is going to give out tax advice, it should be right! And a 1098 form should be issued!

Line 8

Home Mortgage Interest

A home mortgage is any loan that is secured by your main home or second

home, regardless of how the loan is labeled. It includes first and second mortgages, home equity loans, and refinanced mortgages.

A home can be a house, condominium, cooperative, mobile home, boat, or

similar property. It must provide basic living accommodations including sleeping space, toilet, and cooking facilities

My 2019 Ram Laramie Lease for 42 months ended with my final payment last week. As always, i went to dealership to get another lease. US Bank has a different payoff amount for third parties. My payoff is $31,400. Third party has to pay $41,500. You are prevented from trading in the vehicle. You are prevented from selling the vehicle. You cant lease another vehicle. You can only do two things: Purchase the vehicle yourself with cash or try and get financed width US bank. When both of those are unavailable, your only option is to turn in your vehicle and face all of the fees associated with extra mileage and wear and tear. I have never experienced this type of predatory behavior by a bank. I have read the US Bank Lease agreement a million times and i have not found the section that allows them to prevent you from conducting business by assessing a third party payoff penalty of over $10,000. This is devastating to the lease holder. I would never have leased a vehicle with US Bank if they listed this shadow fee on their contract. Their contract does not prepare the leasee for the screwing they will get at the end of the lease. I am beyond financially ruined with this US Bank scheme. There is nothing the dealers can do to help. They are forced to absorb a payoff that is $10,000 more than the customers "fake" payoff. This scheme is destroying people all over this country when the customer goes to trade or turn in their vehicle. I am forced now to turn in my vehicle, pay thousands in mileage fees, thousands in wear and tear, and thousands more to purchase an older truck. I i had $31,400 to purchase the vehicle, I would not have leased it in the first place. I can't tolerate this type of contract fraud. I'm not going too.

For the last two or three times, I have been unable to access my online account at US

bank. I pay quite a few bills online and this is a real inconvenience.

PS There are many more banks and credit unions I can use in my home time rather than be a customer of US Bank.

This has happened around March 2023 until today, April 5, 2023.

(This sums it up - not sure what more you want.)

I would like to complain about the inefficiency of the Department handling customer’s Qualified Retirement account. I was assisted by Catalina D Osorio, a Client Relationship Consultant, at your US Bank branch in San Bruno, CA more than 3 weeks ago. I would like to transfer my retirement savings from Money Market to Certificate of Deposit for a year. I was not allowed to do this since it needs to be converted from Conduit to Traditional IRA. It just earn a dismal .01%, and you call it savings. It’s is unbelievable that it will take this long to convert. My name is Lauro R Carreon, residing at 258 Goodwin Dr. San Bruno, CA 94066, email address: [protected]@aol.com.

Extorting a debt solely owed by his ex court ordered to his, ex elizabeth ann honea. By many criminal means and was paid off extortedly by bob slanina, by feb 2014, if all payments are creditted right, cancelled aflac term insurances $124 to,$126 is added to principal after deducting it from $467.23 payments getting new payments of $344.00, 3/08, to now, changing documents 28 to 20 xs title 4 to 6, changing all terms inflating every single one, many xs.

Illegally adding bobs name n address to her bill while deleting her foreclosed houses address n mailing address 2016. Po box 702, roy, wa. 98580. And 16308 east b street unit 59, spanaway wa. 98445 to extort bob illegally for a debt he does not owe his ex was is in contempt every single month since she quit paying 3/08, to now.

Perjury, obstruction of justice, triggering bob into heart attacks, threats, financial exploitation. Trying to collect debt, not owed by robert slanina. By threatening foreclosure 12xs a month 08 to now.

Forgery tampering with evidence, violating cease n decist orders, padding n adding, bait n switch, way beyond harassment, terrorizing bob for his exs court ordered bill, they could have garnished her pay n collected n bob was exempt, on ssi house exempt homestead act, title eliminated paid off sole separate property house. And 2017 bayview added their names illegally to bobs homeowners and realty taxes n slandered bob to them. Bayview contacted bob 2,500 to 3800 xs after cease and desist, right path mr cooper nationstar contacted bob illegally violating cease n desist oders mail registered mail 6xs to every address 50 xs.

Padded and added 10s of thousands, original owners added over 76k illegally never crediting a single payment of bobs extorted payment. They foreclosed on her single wide mobile in 08, bobs is single wide no body will loan over 15 years on a single wide but franco gularmo changed that term 15 year into 30 illegally 2018 but not the lowering payments at 30 yrs term payments in full would have been 220.77 not 567.23 not 546.76, they inflated % 10xs, in retaliations for bob turning him franco, in for giving him several heart attacks. None have ever sent 4 things in 30 day time limit they have to send, especially no copy of purchase agreements 50 52 page contracts between seller old owner n buyer new owner probing they own the debt we asked many xs. Now us banktrust nationals associations time is up as of march 6, 2023, admittedly

My name is Judy Trick and I am caring for the estate of Linda Otterstrom whom passes in Aug 1st, of last year. no one seems to be able to help me. I am making her loan payments but I know there is a life insurance policy that should take care of it. Loan number [protected]. I've tried the life events email but it has come back as not deliverable approx 11 times. I called on 3/7/23 and finally got a call back two days later. she said she would contact me on Mon or Tues of the following week. It will soon be four week since that call? have not heard anything. MY phone [protected] OK to leave message. e-mail [protected]@msn.com. I;ve banked with your bank almost 40 years and never had issues. Please, Please help. I woul really like to get this taken care of. Thank you. Judy Trick 3454 summit Run Trl. Idaho Falls, ID 83404. same address as Linda

I am the Executive Director (ED) of my company and opened a checking account in 2018. I am the only authorized user. My company's checks and bank statements only have my name on it. On 03/15/2023, I contacted USBank to inquiry about login issues, only to discover my account was closed. Bear in my, the account has always been in good standing, no reported issues at all. Immediately, I questioned the reason I could not have remote access to my account and the nature of closing. Unfortunately, someone at USBank dropped the ball- meaning, one of my manager opened an account in California, which has nothing to do with Illinois operations, meaning, neither accounts are authorized to access the other, can not make any withdraws, or have access to any information. Someone at USBank had given California authorized user private information about Illinois account and when Illinois account was closed, they were preparing to forward Illinois check to California, without my consent. As the ED, I was absolutely clueless, shocked and frustrated to discover all this news. To this day, USBank representatives refuse to allow me to gain remote access to my account because of my entitlement, needed immediately to continue to engage in projects to help children and communities and to continue to pay monthly bills. As a result, the bills are paid late, I have no access to funds which is depressing and the project activities has been placed on hold.