My wife is a wonderful person.
She is highly responsible. She is professional. She displays in her work a powerful commitment to customer service. She goes the extra mile. She is honest. She honors her commitments. She is interested in how people feel around her, both in her work life and in her home life. She is compassionate. She is competent. She is reasonable and rational and logical.
And though it may seem to belie that last sentence, she also expects others, especially in a professional, business relationship to be the same.
Which is a big reason why this whole U.S. Bank thing (see here and here) has so seriously upset her. And angered her.
Because the faceless drones at U.S. Bank have been utterly lacking in taking any responsibility. They have behaved unprofessionally. They have shown no commitment to customer service. They’ve not only not gone the extra mile, they’ve wandered off when her back’s been turned. They’ve been dishonest. They’ve not honored her commitments. They’ve shown little interest in how their customers feel. They’ve had only lip service to compassion. They’ve been incompetent. They (and their systems) have been unreasonable and irrational and illogical.
In other words, every aspect of Margie’s dealings with them over the past month and a half, in trying to figure out and resolve this stupid little $250 amount still showing up on an old, supposedly-paid-off-by-them second mortgage, has flown in the face of everything that Margie is, holds dear, and expects from others.
Rat bastards.
U.S. Bank’s motto is “Five Star Service Guaranteed.” Which sounds impressive until you realize that that’s on a scale of 1-20 stars.
At U.S. Bank, our Five Star Service Guarantee means that every teller, every loan officer, every manager and every employee is committed to responsive, respectful, prompt and helpful service. The Five Star Service Guarantee means putting your needs first and foremost. It means focusing on what you need to maximize your business or personal financial management. It’s our promise – to change forever what you expect from a financial institution. And it’s a promise WE GUARANTEE!
Each of us at U.S. Bancorp takes responsibility for providing outstanding service to our customers, understanding our individual jobs, and performing our jobs at the highest level. In the end, it’s our individual personal commitment that helps deliver real results to our customers, company, shareholders and community.
Margie has talked, repeatedly, to folks in Customer Service. In Loan Dispute. At the local branch. Each time she has been unable to get anyone to resolve the problem. Each time the problem will be looked into first thing in the morning, or referred to the Research Department. Each time she has gotten a firm commitment to be called back — tomorrow, within 48 hours, within 3-5 business days.
Nobody has called her back. Nobody.
Nobody has helped her. Nobody.
Of course, it doesn’t help that U.S. Bank’s corporate functions are spread across the US like dandelion seeds. “I can transfer you there, but they’ve all gone home by now.” “You’ll have to call them back, it’s too early there for any of the managers to be in.” “I don’t know anyone in that department. They’re in Wisconsin and we’re in Florida.”
She’s gotten apologies — from Level 1 phone folks who prefix everything with, “Well, I’m afraid I can’t help you with this, but …” She’s had supervisors refuse to get on the phone with her. She’s been transferred to the “department you need to talk to,” only to discover, after half an hour on hold, that it wasn’t. She’s had people tell her that it has to be handled at the branch, only to be told at the branch that it has to be handled by the folks in corporate.
She’s been jerked around to the point of tearful frustration and fury such that she doesn’t trust her voice on the phone. And for those of you who have met Margie, who know what a warm and calm and cheerful person she is, you cannot imagine what it takes to get her to that point.
Or how it makes me feel.
The one mercy in this debacle is that it will not interfere with our closing our new loan. The title company, at least, was able to get through the layers of customer disservice and arrange for a payment of the $200-odd (the number keeps changing).
But that’s no longer the point. Hell, if it were just that much, I told Margie, it’s not worth another minute of this.
Except that it is. Because now it’s the principle of the thing. It’s a matter of getting those rat bastards to back down, to admit their mistake, to fix it, and to apologize. For real.
In the meantime, let me take the opportunity to let the customer service maxim prevail that says that someone who get crappy service will let seven, or thirteen, or twenty people know about it. I get about 300-odd hits per day. That’s at least 250 people who will read this. Plus those who have read the other posts I’ve done on this problem. Plus those who come here in the future and see (I’m about this far from doing this) the permanent “U.S. Bank sucks” category. Plus the people who will see this page, and the others, via Google searches long into the future..
That’s hundreds, perhaps thousands of people who will hear what a crappy job U.S. Bank has done in settling this piss-ant dispute. Thousands who will hear how, once your problem gets sucked into the bowels of U.S. Bank, you’d best be prepared to spend hours on the phone, and months of time waiting for the problem to be resolved. If it ever is. If you don’t give up, first.
I would have given up. I freely admit it. I’d have sacrificed the money and run, a long time ago.
Margie won’t do that. Because she’s all those things I listed in the second paragraph, and she expects that others will be, too. And it’s right that she does, and that she hold them to it.
God, I love her.
So tell your friends. Tell your family. Avoid U.S. Bank. There are plenty of alternatives. They might suck, too, but at least you have one firm datapoint here that U.S. Bank sucks big time.
Or, as Margie just told me (going back to the Mary Poppins lesson about banking), “If you can’t trust a bank to return your phone call, how can you trust them with your money?”
It’s all about trust. That’s what banking and finance and accounting is founded on. That’s why the Andersen scandal has been so big.
U.S. Bank has blown our trust in them. They’ve frittered it away over a silly $250 charge. They’ve frittered it away by nobody taking responsibility, nobody acting in a professional, helpful, compassionate, or responsive manner. They’ve frittered it away by not returning phone calls when they said they would. They’ve frittered it away one bad service experience after another.
They don’t have our trust any more. Should they have yours?
[For more in this thread, visit here.]
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I wish I’d seen this post before I opened my account. In the two years I’ve been with US Bank, I’ve paid almost $2000 in bank fees. Horseshit. Right now I’m dealing with $500 in overdraft fees. Why was I overdrafted? Because they put $70 in overdraft fees on yesterday, when I was not in overdraft at all.
I’m so sick of dealing with my branch about this. I’m closing the account, and getting a safety deposit box instead. It’s cash only for me!
I wish I had seen this in May before I opened my account with Usbank. I also find it funny on here how people who are for Usbank seem to think everybody thats having a problem with them is just having those problems because they cant manage their money. Not true for everybody, and not true for me.
Anyways, I opened this account and I wasn’t told about the 5 day hold they put on deposited checks for the first 30 days that you are a new member. Of course I didnt find out about this til AFTER I deposited my check. Well, it also happened on the holiday weekend, so it took them nearly 2 weeks to get my check to me, and of course bills we’re popping up. I called them, and they told me they’d call me right back because “we suddenly just got really busy.” I go to the branch I called all the time and theres never more than 2 customers in there. Waited an hour and they never called back so I called them and asked why they were holding my money (before I knew about the 5 day thing), and the guy couldnt explain to me why. All I got from him was a long explanation of something totally unrelated to what I had asked. I called again the next day and got the same thing “we’re suddenly really busy, we’ll call you back.” Of course, they didnt call me back.
So I went down there and the teller told me about the 5 days thing. I was already pissed because I had bills I needed to pay so I asked if I could just close the account then and there so that I could get the money I needed right away. They wanted to charge me 172 bucks! For no reason! Finally, I was sent to talk to the branch manager who had to call someone above him to get me at least 150 dollars so that I could pay the bills that were due. He managed to get me 200 dollars so I was okay with that and decided not to close my account.
Well, I was still expecting 119 dollars to go into my account by that tuesday after that holiday. I look into my account and to my surprise I see a whole 84 dollars. Of course I’m freaking out going “okay what did i do wrong?” I look into it and all these transactions ive made nearly a week almost two ago suddenly pop up! I had the money for the transactions I made sitting in my account that whole time, so they couldve taken it whenever and I wouldve been fine, I wouldve still had money in my account because…suprise… I DO KNOW HOW TO MANAGE MY MONEY! But, nope they waited til they could intercept my check and take money out of it.
So, I learned my lesson and when I got paid last friday I CASHED my check and deposited about 50 or so out of it. I was certainly glad I did too up til a certain point. The good thing that came out of cashing it was the fact that supposedly my “5 day hold for the first 30 days” was up. Well, I deposited this on friday and I’m thinking like most banks they’ll have my money to me by monday at the latest. Of course it didnt show up til today. I kept checking my account beforehand too and it showed that I should be expecting my balance in my account to be 106 dollars.
I happily go to sign in and see if it’s finally deposited and it is….but wait, why do i only see 79 dollars? I look and once again TRANSACTIONS I MADE A WEEK ALMOST TWO AGO suddenly cleared up as soon as my money was deposited! They are just waiting to get their greedy hands on your money! It’s definitely not the places that I’m going to that are causing the transactions to go through to take forever. I use my bank card at the same places many times, and have noticed on my statements that they always time it(clearing transactions) right when I am expecting money. I could go to the grocery store on a tuesday, and they would not let the transaction go through until I had money deposited, even though I already had money in my account before that. I could go to that same grocery store on a thursday or friday, and that transaction would suddenly pop up that monday or tuesday when my check cleared and deposited.
I am managing my money just fine, I’m never below 20 dollars in my account so I know it definitely cant be me just “being childish and mismanaging my money.”
Oh yeah and I forgot to mention the guy who opened my account who was a complete idiot. He misspelled my last name by one letter and when I got my card i realized it was wrong. So I went in and told him about it figuring hed know what to do to fix it. He gave me some bullshit and so I left thinking Id probably get a new revised card in the mail…well one never showed. so the next time i went down to the bank I mentioned to another teller what was wrong with it and then they luckily knew what they were doing and got me a new card, the lady I first talked to tried to say that I misspelled my name…I am pretty sure that after 20 years with the same last name that I know how to spell it. Anyways, I got my new card and I was charged for it! I still need to go see if I can get that refunded to me, but Im 99% positive they’ll give me a B.S. explanation.
Well, its as simple as this , THEYRE JUST GREEDY BASTARDS WAITING TO GET THEIR FILTHY HANDS ON YOUR MONEY AND THEY WILL DO WHATEVER THEY CAN TO GET IT! I am definitely closing my account with them and going elsewhere! Sorry USBank, your shittiness has lost you another customer.
Ok these compaints need POLITICAL ACTION. Do not wasre time with the bank itself go to the Congress and the Treasury dept!!! Look up who is the head of the finance commitee. Write them keep all original copies of you statements. Document, document, document, that is the way too get action. Whining is stupid,writing your congress is not. I work customer service and that jobs is very stressful ans unpleasent. the co want the call done in 142 sec so your whining wastes time so when the urnover happens blame yourselves for wasting and getting tat person fired for not meeting
standards
When you call, depending on the system, start with the problem!
then respond to the question, Have pen, paper references ready at hand . By ready means in order. Be direct and STAY on the point. Do Not laundry list!! What happened 20 years ago does not matter!!!
Unless asked volunteer nothing! Get you facts in order, Write a script and re read it does it digress; is the time line understandable? Then write you elected representative from state, city and federal!! Most complain, but to obtain action you must go thru these steps because it is suprising what happens when a senate subcommitee starts on the warpath!! Sometime it is a call from the person with power that makes the trouble go away. But if no wone writes and causes a firestom of letter writing then nothing will change. In the letter be on one subject and one subject only.
My dealings with:
LaSalle Bank N.A.
Address: 135 S. LaSalle St.
Chicago, IL 60603 Phone: 312-904-2000 Fax: 312-904-2579
The Following describes how they robbed me. They do not care about customers, they care about NSF fees.
I am leaving this bank, and it will be the last dollar they ever get from me. Im going to talk to the BBB and my congressmen about the laws that allow them to take my money I earned. a mistake cost me good. now had I not paid my gas bill they would of sent me another bill with a $3 dollar late fee. instead this cost me $100.
I am going to file a small claims law suit in my county against the bank, If the judge says they can keep the money, then they can keep it. We will let him decide.
I am going to make up flyers and pass them around my neighborhood, of this letter. I think I’ll do 200 or more. Send my kids out on their bikes and give them to people. This should not help LaSalle in my town. Word of mouth hurts crappy companies that take what they did NOT earn.
I am going to plaster this all over the internet.
I am going to file complaint with the city, state, and federal levels.
Im sure this will just add to the rest of the people that Hate Lasalle bank and maybe a consumer bill will pass soon.
=======================================================================================================
09/26/2007
ORIGINAL MESSAGE:
—————–
From: Prod.FusionBanter@abnamro.com
Posted At: 06:17:43.433 09/26/2007
Posted To: ProdOut.FusionBanter@abnamro.com
Subject: Dispute a Transaction (Account #: mar’s)
there was a mistake for a bill to be paid out of the wrong account. this caused this account to go negative, I transfered money from the account I wanted the bill paid out of to bring the balance back up above 0. Please do not charge me a fee for this mistake. as I am not sure if it was Mine or Yours.
thanks.
==========================================================================================
(#6437-000416-2009\4162009)
Dear Mr. Eckman,
We have received your email and we will be happy to assist you.
We certainly understand your concerns regarding this matter.
Since the overdraft fee did not post to your account yet, we are unable to reverse any fees at this time. We apologize for any inconvenience.
Please note that there is a $33.00 NSF fee applied for each item that overdraws on your account.
Thank you for being a valued customer of LaSalle Bank.
Sincerely,
Carolyn
Online Banking Support
===========================================================================================
10/01/2007
ORIGINAL MESSAGE:
—————–
From: Prod.FusionBanter@abnamro.com
Posted At: 23:17:55.017 09/28/2007
Posted To: ProdOut.FusionBanter@abnamro.com
Subject: Re: Re: Re : Dispute a Transaction (Account #: mar’s) (#6437-000416-2009\4162009)
Inquiry about a Cleared Transaction. Transaction Date:09/25/2007. Transaction Description:ONLINE BILL PAY NICOR GAS. Amount: ($75.00).
this bill was paid out of the wrong account.
causing this:
09/27/2007 PURCHASE KMART 000 $8.50 ($13.06)
09/27/2007 PAID ITEM OVERDRAFT FEE $33.00 ($4.56)
09/27/2007 ONLINE BANKING – INTERNET 00005309744976 $50.00 $28.44
09/26/2007 PURCHASE KMART 000 $28.85 ($21.56)
09/26/2007 PAID ITEM OVERDRAFT FEE $33.00 $7.29
09/26/2007 ONLINE BANKING – INTERNET 00005309744976 $75.00 $40.29
09/25/2007 ONLINE BILL PAY NICOR GAS $75.00 ($34.71)
09/24/2007 PURCHASE JOSEPHS INC. 000 $20.28 $40.29
if the 75 was taken from the right account. NONE of the fees would of been charged.
PLEASE RETURN MY MONEY FOR THE FEES.
—–Original Message—–
Dear Mr. Eckman
We have received your email and we will be happy to assist you.
We are replying to your inquiry about the recent overdrafts on your account.
The charges you have accrued of $33.00 are Non-Sufficient Funds Fees for 1 overdrawn items on 9/26/2007.
The items that were overdrawn are as follows KMART
There is a $33.00 NSF fee applied for each item that overdraws on your account.
=========================================================================================================
Dear Mr. Eckman,
We have received your email and we will be happy to assist you.
We are replying to your inquiry about the recent overdrafts on your account.
It would be our pleasure to extend a one time courtesy reversal of $33.00 to you. Please allow 5 business days to receive this credit.
Please note that we are not able to waive any additional fees at this time. We apologize for any inconvenience.
There is a $33.00 NSF fee applied for each item that overdraws on your account.
Thank you for contacting LaSalle Bank.
Sincerely,
Carolyn
Online Banking Support
===========================================================================================
10/02/2007
ORIGINAL MESSAGE:
—————–
From: Prod.FusionBanter@abnamro.com
Posted At: 20:10:50.100 10/01/2007
Posted To: ProdOut.FusionBanter@abnamro.com
Subject: Request Information on a Transaction (Account #: mar’s)
If not for the first overdraft, the other two would not exist.
so If you did not charge me the first overdraft for the bill which was paid from the wrong account, which Im sure I paid the bill out of the other checking account, as all other bills paid before it, but when it was paid it came from the smaller account balance.
Ask yourself, why the heck would I pay a bill from an account without enough money in it when I have another account with more than enough money? the answer is I did not.
So here we are, all THE money you charge for 3 $33 overdrafts was and Is MINE. If your bank pays a bill from the wrong account, IT should have enough sence to see I have two accounts at your bank, where all my bills have been paid from, Then I tell you this mistake happened and you choose to not stop the $33 dollar fee. THIS fee caused 2 other fees of $33 each. Without the first charge the others would never happen.
You can justify your flat out Robbery of my account anyway You want but your bank is not doing anything more than just taking what they did not earn. This is known as Robbery.
Either way I know your bank has account rules that I am aware of, but none of them have a thing to do with you paying a bill out of the wrong account, then not reversing the charge immediatly after I told you, then allowing 2 more charges to go against the account before you reverse the first charge. this is just flat out insanity.
Your bank is not doing the right thing, and are surely nothing more than acting criminally.
In all cases your bank hits the account with the $33 dollar fee, then takes out a debit on the
same day? in both cases your $33 dollar fee is the reason for the next fee. not the debits themselves.
This is Criminal. I know that no matter what you tell me your rules are and how you can charge for
any negative debit. Your practices are to do nothing more than take your account holders money anyway you can. Your system is horrible. it is a true Shame that your bank would do this to account holders.
You owe me 3 payments of $33 dollars that is not your money, You and I both know your bank can and probly will keep my money. This does not make you a very good bank. This does not make for very good customer relations.
I want all 3 Fees returned.
=========================================================================================
(#6437-000417-0644\4170644)
Dear Mr. Eckman,
We are replying to your inquiry about the recent overdrafts on your account.
We understand your concern and have attempted to contact you on 10/02/07 at the phone number provided but were unsuccessful.
Our records show that a credit of $33.00 posted to your account on 10/01/07.
Please be advised that we are not able to waive any more fees at this time since this was not a bank error.
There is a $33.00 Non-Sufficient Fund fee applied for each item that overdraws on your account.
We apologize for any inconvenience and thank you for contacting LaSalle Bank.
Sincerely,
Carolyn
Online Banking Support
==========================================================================================================
10/06/2007
This is how my account looks after all this Mess:
debit/credit balance
10/01/2007 OD-NSF FEE REVERSAL $33.00 $181.46
09/28/2007 MERCHANT PURCHASE JAMBA JUICE 827 -$5.48 $148.46
09/28/2007 PAID ITEM OVERDRAFT FEE -$33.00 $153.94
09/28/2007 ONLINE BANKING – INTERNET Deposit $200.00 $186.94
09/27/2007 PURCHASE KMART 000 -$8.50 ($13.06)
09/27/2007 PAID ITEM OVERDRAFT FEE -$33.00 ($4.56)
09/27/2007 ONLINE BANKING – INTERNET Deposit $50.00 $28.44
09/26/2007 PURCHASE KMART 000 -$28.85 ($21.56)
09/26/2007 PAID ITEM OVERDRAFT FEE -$33.00 $7.29
09/26/2007 ONLINE BANKING – INTERNET Deposit $75.00 $40.29
09/25/2007 ONLINE BILL PAY NICOR GAS -$75.00 ($34.71)
09/24/2007 PURCHASE JOSEPHS INC. 000 -$20.28 $40.29
Notice the pattern?
Deposits are made from a transfer first.
Then overdraft fee,
Then a debit.
This does nothing but cause more overdraft fees. what a scam!!
I recently switched to US Bank due to a job switch. I was told that they had locations all over the US. That was a lie. My old bank back home never bounced a check when it came through if I didnt have enough in my account. Us bank did it to me when I had more then enough in the account and then ontop they charged me 31 dollars. What a load of bullshit.. Im leaving this bank ASAP. Im going back to my old bank and Never Again will I never go back to US Bank.
US BANK SUCKS!!!!!!!!!!!!
I MADE A PURCHASE AT A BURGERKING FOR $4.31. ACCORDING TO ON-LINE BANKING, IT SHOWED I HAD $38 TO COVER THE PURCHASE. TO MY SURPRISE, US BANK CHARGED ME A $35 NSF FEE FOR THE $4.31 INSTEAD OF DECLINING THE PURCHASE. THIS IS ONE OF THE MANY WAYS THAT THEY RIP-OFF THEIR CUSTOMERS. THEY ARE MAKING MILLIONS!!!!!!!!!!!!!
ANOTHER RIP-OFF THING THAT THEY DO: YOU MAKE A PURCHASE AND THOSE FUNDS ARE AUTOMATICALLY WITHHELD. YOU MAKE ANOTHER PURCHASE AND THAT PURCHASE CAUSING AN OVERDRAFT, RATHER US BANK DECLINING THE 2ND PURCHASE, THEY TAKE THE PREVIOUS PURCHASE OUT OF ITS PENDING STATUS SO THAT BOTH PURCHASES WOULD CAUSE AN OVERDRAFT, THEN THEY CHARGE AN OVERDRAFT FEE OF $35 FOR BOTH PURCHASES.
STUPID U.S. BANK.. okay i understand sometime u gotta watch and have responsibility too. but got damn.. the other day i deposite some money and it was to cover up a -194 and some cents negative or so.. so i deposite 200 in it.. and it shows i have $4 and some cent left.. okay earlier today.. i went online to check and i have a $7 negative balance charge!!?? i’m like WTF! and then another $7 DOLLAR LIKE EVERY FCUKIN DAY! im soo pissed off!! as much as i hate wellsfargo already U.S. BANK IS EVER FCUKIN WORST!! i’m an canceling the fcukin bank ON THIS TUESDAY WHEN THE FCUKING OPEN UP AGAIN!!! NEVER OPENING AT U.S. BANK EVER AGAIN!!.. TCF ALSO SUCKS TOO BUT BETTER THAN U.S. BANK!!!
I tried to close my account with US Bank because I could get a higher interest rate. They told me that I would be charged $7 for a check to close the account. I told them to waive the seven dollars. I don’t pay money to get my own money. So far we have spent 4 days trying to get this resolved. It’s not the money, it’s the principal. They have NO customer service, they don’t care.
we come from a small town in montana we used a local bank for 17 years they are wonderful. a bank that actually helps when you ask for it. we are human we do make mistakes now and then. for example: when you deposited a payroll check your funds were available then and their. they care about their costumers. also forgive me but a pre authorized charge on a debit card would not overdraft your account. then we moved to Portland switched to us bank. recent findings with us bank (definitely not a five star bank).charged my account six overdraft charges because of withheld deposits. i deposited 14oo dollars on three different days unfortunately it was a weekend all deposits went in on the same day mon.5 pre authorized overdrew available funds (they only gave me 100 out after three separate deposits of 14oo.) 3 dollars now i have 190 dollars of overdraft charges. when i called OK I’m sorry i didn’t no we would only have 1oo available. we are human they said we cannot help you this is are policy. didnt you read that in the mounds of paper work they give you when you oped a checking account. us bank a corporate institution. please forgive them if they would actually give costumer service. they definitely do not know what that is. we actually mail are checks back to Montana now to are first bank. is this inconvenient yes. but service is what we are use to.
“I used to work at US Bank. I was a manager. The bank was as mean to its employees as it was to its customers. They loved to humiliate the managers and we were the ones trying to take care of our customers and employees. We often were screaming at someone in a call center or faceless department”
This is way the managers keep sending people to the 1-800 number, when they know that the people on the phone can only do basic things, and are only there to help out with the small things. There is no way the guy on the phone can get a pin number out over night (unlike the Branch who can do it in 5 minutes) or the person on the phone can not check an ID (how can they see it?)
Anyone would be frustrated and intrigued by this, sometimes the services we get are not as we would expect. I never had such incidents with any bank. I always like to be cautious about my financial decisions and so far I was right. I recently got a no fee balance transfers options, my financial counselor advised me to and I am not sorry I trusted him. In the end it’s all about trust, U.B. Bank definitely has no excuse for this.
I have a credit card with US Bank, they sent me the card with a 2,000 line of credit. I have charged up to the limit, but within 2 months I always paid the card off, I never kept an outstanding balance on the card, I always paid the card on time. Never been late.
US bank rewarded me for being a good paying customer by reducing my credit line to 700 dollars without any written notice of any kind.
When I contacted them, I got absolutely nowhere and all I heard was nothing but patronizing lies from their customer NOservice.
While I get nice letters from other credit card companies praising my good payment record and increasing my limit, US bank rewarded me with a 1,300 dollar decrease in my card limit. They violated the Federal Fair Credit reporting act by doing this without notice.
My suggestion, STAY AWAY IF US BANK IS INVOLVED.
US BANK STINKS, BOTH MY HUSBAND AND I ARE UNEMPLOYED. US BANK IS HOLDING MY MORTGAGE NOW. WE OWE MUCH LESS THAN WHAT THE HOME IS VALUED AT. WE ASKED THEM TO REFINANCE WITH A 30 YEAR MORTGAGE INSTEAD OF THE 15 YR. THAT WE HAVE. THEY HAVE REFUSED TO DO SO. THEY WOULD RATHER TAKE OUR HOME FROM US, AND LEAVE IT EMPTY FOR MOLD TO GROW OVER THE WINTER.
I WOULD NOT BE SURPRISED IF ALL THE BANKS ARE NOT DOING THE SAME THING. THE BANKS NEED TO DIE. LET THEM FALL. WE SHOULD NOT PAY FOR THIS. PEOPLE OF THE WORLD, US AMERICANS ARE BEING TRICKED AGAIN BY THE POLITICIANS AND LOBBYISTS. WE NEED TO STOP THEM. WE ARE BEING HIJACKED BY THE PEOPLE WE PUT UP THEIR TO LEAD. GO OUT AND VOTE AND MAKE SURE YOU VOTE FOR THE UNFAMILIAR NAMES, THE OLD-TIMERS ARE TRICKY-DICKS.
I have never had more problems with any business in my entire life.I had finally had enough of the ridiculous over drafts and bank fees that were given for no reason that I closed my account out in january. I told them to stop payment to a subscription that i had (16 dollars a month)they told me no problem. well they lied and as of today I owe Us bank 300 dollars in overdraft fees and delinquent account status fees. Let me remind you this is all on a closed account. I thought all my problems with this POS bank was over but it looks like it is all just starting. A news flash to all of you reading this….. The Us citizens are struggling a lot more than some multi billion dollar banking establishment with bailout dollars being handed out to them. So now they are getting their bailout money and asking me and many others for money to. This all feels like a bully on a playground pushing the helpless around. We have more things to worry about than ghosted incorrect fees. America needs to stand up to this playground bully and send him back to swingsets he came from.
Okay guys. Lets just put it this way. No matter where you bank, if you don’t keep track of your transactions.. you’ll hate the bank you’re at. I am an employee of two years at US Bank. And I can only speak for my branch, but we do everything in our power to make our customers happy. To explain the funds availability issue: If a check is deposited after the business day ends on friday.. it is considered mondays business day. And yes, If you make three deposits over the weekend, you only get $100 available to you. And the rest is held till Tuesday, the NEXT BUSINESS DAY. Could any of you tell me what other bank is open until 8pm during the week, 5pm on saturdays, and 4pm on sundays?? Probably not…
The thing is, maybe you all should pay attention to your banking. I mean it is your money.
I have customers who come in all the time, who arent even aware that they are overdrawn, because they dont keep track. They just swipe there card like theres no tomorrow.
But thats US Banks fault right?? Since we let you keep swiping your card and we dont decline it if the funds arent available..
Well think of it this way..
You are out of town, and the only card you have to get gas with is the US Bank debit card. If US Bank decided to decline your card, guess what? Sorry, you arent getting home.
We give our customers the ability to overdraw there accounts because in some instances, an NSF fee is a lot easier to deal with, than not getting back home bc your card didnt work.
You people need to stop wasting time complaining about US Bank, and start keeping track of your banking.
A check register does wonders =)
Yes, ther are good banks and bad banks — good mechanics and bad mechanics — the list goes on!
I can tell you of a bank that CAN Deposit a check during the weekend — Westmark — for one,in Idaho Falls, ID. THEY DO have their own hold policies; as do most financial institutions. If the MT bank in the previous letter cleared checks quickly, it was Probably because the customer had a history of doing it properly; or they knew where the checks were coming From would Process the checks FAST. They could keep track of things like that more easily in a smaller town — I know as I used to live in a smaller town back esst. I moved my account into a bigger bank as I did not like the feeling of the clerks knowing everything I spent on everything.
Westmark is a CREDIT Union, but for those that are upset at banks — check out your local credit unions. They offer MANY/most of the same services at lower prices and MANY more perks than banks because they ae OFTEN Not For Profit! Perks such as overdraft protection — especially for senior citizens! Free checking for many – like seniors – but not limited to them. Free travelers checks, etc/etc! Not for profit –Isn’t that an UNUSUAL idea when it comes to using YOUR money?
Be sure to check that YOUR credit union IS FDIC INSURED; as ours is — most are.
OR — If you have a retirement account, check with your broker, or who ever handles the account for you, to see if they have on-line banking attched to their program. I am in the process of moving my account to get everything in one place. It might work better for YOU – check it out, if it is an option!
Cheers!
US banks suckkkkkkk!!!! No wonder they are going under. Today,my husband and I get a refund check. My husband is in Iraq. I went to my bank that I have been banking with for over 10 years and they can’t deposit it with out my husband since his name is on the check. I went to another back where we both have a joint account. It would take 5 days before the check to clear (wtf!!). I tried to deposit it into our USAA account at an ATM, you can’t do that. I called, they don’t have banks to go to but I can scan it. I don’t have a scanner. WTF!! I am so pissed. I only wanted to deposit the dam thing not cash it. Its like no one wants to take your money.
take it to the base and ask someone there for assistance — go to the banking facility on the base and check. At Westmark, if you are depositing the check into the account with BOTH people’s name, you don’t have a problem.
I have a um- rather unique situation with this, so I deal with it constantly. I deposit the checks routinely. I just sign them as the clerk tells me to and it goes through.
Ask for a manager if necessary. Don’t sweat it, don’t take NO for an answer.
With him being overseas/and-or military, this will happen repeatedly. Learn to deal with it now, and do it.
Cheers!
For 3 years we have tryed to fight this bank. My daughter now can’t even have a checking acct. @ any bank because of what this bank has done to her. She moved to Boise had her acct. their @ U.S. Bank on her way back to Iowa over drawn her acct. by 4.00 but didn’t realize it. Never recieved a over draft statement or nothing from them maybe went to old apt. in Boise. Any way she was still asuming that she had 20.00 or 25.00 in her acct. and since she hadn’t gotten a job yet here in Iowa she didn’t use the acct. for 4 months or receive a statement from the bank and didn’t realize that there were overdraft charges accumulating, by the time she got another job and tryed to cash her first pay check they told her, her acct. had been closed out & turned over to collections, with over $600.00 in overdraft fees. She said she wasn’t paying those drummed up fees & walked out. Tryed to open another acct. @ other local banks in city and found she’s blackballed on a list & can’t open any checking acct. Because of U. S. Bank shinanigan’s. So mad, her acct. is now up to Over $900.00 with interest that has acccumulated, and just got a letter that they are going to sue her and garnish her pay ck. over a $4.00 overdraft she never new exsisted. What should we do now? Help someone, any ideas!
I’ve gotta say some of these complaints are ignorant. If you use money you don’t have, you are going to recieve an overdraft fee the next day. USbank does not “hold” or “wait” until they decide to post an item just to tick you off. USbank does not determine when to post items. If an item clears later than you expected, that is your own fault for forgetting about the item and spending that money elsewhere. That is not the bank’s fault. If this is how you (do not) manage your money, you will have problems with any bank you belong to.
I’m not saying USbank is w/o fault but if you are complaining about overdraft fees it is your own fault.
I watch my account online every day.. USBank recently ass-fucked me for $150 for appx $18 dollars that I was overdrawn. I noticed that my account had a negative balance and deposited money to cover the shortage and other charges that I new were pending, but that didn’t matter, they applied the fee’s anyway which then in turn put me in the hole so they could apply even more fees when the other charges came though. USBank and Bank of America do the same thing… It cost me $150 for them to ‘loan’ me $18 for 1 day. I can get a better rate from any loan shark or quick cash place down the street. They decide how much they’re going to screw you out of, and then simply do it. I feel like I’ve been mugged and raped. They might as well have broken into my house and robbed me at gunpoint. I’m closing my account there, they’ve made their last dime off of me… Evidently the policy makers at banks weren’t taught right from wrong and have no concience or shame.
REPLY TO USBANK EMPLOYEE: US Bank is THE worst bank and if you work there you are only another brainwashed drone that doesn’t think for themselves.
On April 5th I noticed that 2 counterfeit checks had posted to my bank account. I immediately called the bank and they said it was a bank error and that I did not need to freeze my account, they would correct it first thing April 6th. This did not happen. On April 7th I received a call saying I needed to come in immediately and close the account. Someone had made 5 more fake checks that US Bank allowed to go through my account and it needed to be closed. I did this and the US Bank employee Tim Knowlton told I may or may not get my money back in 45-60 days. I went to the police and filed a report. On April 10th I went back to the bank to tell them they needed to issue me a temporary reimbursement because the money that was stolen was for taxes and they needed to be paid this coming week. They told me no. Even though I had a police report and the police had already possibly found the criminal they would not give me my money back. They allowed someone to process those checks after I had already alerted them something was wrong and the only solution they offered was to give me a loan I would have to pay interest on. This is not acceptable. I should have had my money that day. During our dealing with the bank April 10th Shad Bris, the branch manager, continued leaving us at his desk in the middle of conversation to deal with other customers. He was very rude and had no answers as to how they allowed this to happen even after I called them. After I called on April 5th to report the false checks they told me I did not need to do anything to the account and then they allowed 5 more checks to go through, none of which contained my name, information or signature. It was a total of approximately $1500 taken from me.
Get this!! The Better Business Bureau had the company send me a letter saying I didn’t fill out all the paperwork!! I still don’t have my money and they are tellingme I should have had it in 10 days!
RESPONSE TO US BANK: I do not accept this because on April 7th I sat at Tim Knowlton’s desk in Bellevue WA and signed all the paper work and had ALL the papers notarized by him. I was also told by Tim that I would not receive my money for 45-60 days. If there is missing paperwork I have not been contacted by anyone at US Bank regarding this matter. I was also told that the check printing fee would be waived and it was not, it was charged to my account. I was also told that the last check I wrote on the 1167 account would be diverted to the new account and no fees would come as a result. The check to Costco for 11.17 was returned to Costco resulting in a 30 some dollar fee I had to pay. I want that reimbursed. In the mean time though they PUSHED ANOTHER fake check through the old account ans sent me a notice saying my funds were insufficient. This is outrageous for a company and I will be taking further action with the FTC.
Folks, I have no problem with people venting one way or another about US Bank in this comment thread. But please keep it honest. Saying US Bank Sucks because because they “lie” and “cheat,” then posting multiple complaints under different names does a bit of harm to your moral high ground. (Hint: I do track IP addresses, and beyond that, when you post a ‘reply’ from a different name to a comment still in approval hold, it sort of makes it easy.) Said comments have been taken down.
Our bank (Downey Savings) was handed to US Bank by the feds a few months back. When I heard of this, I did some research and while all banks have some negative reports, this page seemed pretty consistent but I figured since I was coming in as a 5 year customer things might be different.
So now the first day they “officially” take over and my wife goes in to make a deposit in our account which also has a dba attached. First they tell her she can’t deposit a check written directly to her into a business account. She proceeds to tell them that it’s a personal account that has a dba attached for our small business. Apparently USB doesn’t have such accounts but will make a temporary exception, however only the first 100.00 of the deposit will be available. This is not because we’re a new account holder but they simply don’t trust that what you’re giving them is valid. I needed this money to be available because while she was at the bank I was writing a check for a car repair that I knew the mechanic needed to go cash. Did I mention that 250.00 of the deposit was in CASH!! Needless to say they did not honor the check I wrote later that afternoon and hit me with a 35.00 fee.
Did I also mention that I just pulled every dime out of US Bank and am going elsewhere? I certainly did to my branch manager. Which by the way I’ve known for 5 years, always had a good working relationship with, and has always bent over backwards the few times we’ve had issues. With this she rudely told me their no longer a small local bank and according the their new corporate training we should all get used to the new days of big brother banking.
Screw that. Let’s see big brother manage the safe in my house.
This is last email I sent them. I’ve been with them for 4 years.
I had a deposit go in last night from the government, which i contacted them and it has went through on their side. Tell me Why us bank did not put it through. Every time before this one it has went through the same day that the government has issued it. This is getting real old. Why is my bank constantly trying to get me to pay them from fees, and the rules that you use are completely geared toward you getting me in the hole (by holding deposits, etc.). With the things we all are going through I can’t understand the malicious acts us bank is doing. I really hate my bank now. Not that us bank cares about their customers, but i wanted to tell someone associated with this bank. It is a horrible feeling having my money being handed to a bank like yours, week after week. I might not have thousands of dollars in the bank but every dime of my money is still my money. US bank is not right when it comes to their policies. I will be looking elsewhere. Good day.
Why is it that when the customer makes a mistake, we pay for it dearly thru outrageous fees, but when US Bank makes an error, it’s a completely different story. I am self employed and receive personal checks from 8 different people each week. I keep darn good records of my deposits. Because of my hours, I do most of my banking thru US Bank’s ATM. A few months ago I made my weekly deposit. 2 days later I noticed US Bank had debited my account for the amount of the deposit, then credited me an amount that was $180 less than the orginal deposit. I was told I made an error in addition. I don’t think so. Then, this jerkoff at the bank says to me “You seem to be really upset over this, if it will help I have suckers behind the counter.” In the end, I did all of the research by handing over all of the account numbers, bank info and names of my clients who wrote checks to me. I orginally deposited 8 checks that day and only 5 were credited to my account. I figured out which checks were missing and provided the bank with the info. Do you think I received an apology for the banks error? Hell no. Did I receive a Thank You for doing all of the research? Again, no. They did however fix the error but never admitted it. I would have liked to charge them several $35 fees for THEIR error. Oh, and I never even received a return phone call telling me exactly what happened! I learned that it was corrected by checking my account online! But, thank god I was offered a sucker!
Most of you should read further into your account disclosures. Most of you should also start carrying a ledger and understand exactly what you have in your account. The checks you deposit are only promissory notes that the bank still needs to collect on and that’s why you only get $100 available immediately. Look into Direct Deposit.
I used to work for US Bank and I assure you there are no bankers there on the front lines, only “customer service” and “sales” people who are given titles like “teller” and “personal banker” and “lender.” But then again, that’s the way every bank in America is right now. Why do you think the banks are in the trouble they’re in?
Here’s a few real tips for you:
1) If the bank is advertising it, it’s probably good for them not you, so think twice about it. For instance google a loan schedule (amortization) then look at what happens when you “skip a payment” like they advertise around Christmas that you do with NO penalties. If you pay attention to what that does to the end of your mortgage you will find that it adds 14 more payments to the end. Do that a few years in a row and you will have quite a surprise when you’re in your 50’s, about to retire, and pay off your morgtage.
2) FDIC is a scam. The fractional banking system instituted by the Federal Reserve has it so arranged that were your bank to go bankrupt, the Reserve has (as of 2008 any way) 10 cents for every dollar available to pay money back and they don’t have to pay it back to you in full for – get this now – 99 years!
3) The Federal Reserve, which is neither “federal” nor is it a “reserve” is a group of private bankers who loan money to all other banks in America – including CONGRESS. The banks collect your money back for the Fed Res by making sure they get “promote” every kind of instant gratification product they can. Preying on basic human weakness like fear and greed or fiscal irresponsibility. Congress pays their interest back for the money they borrowed from the Fed Res for their collection of private jets by – pay attention now – TAXES.
4) If you don’t get educated they will all continue to sucker you into taking your money over and over again. The system is by design. The people you are talking to face-to-face don’t even understand this stuff. When I was a “financial specialist” I asked for lending training 3 times. 3 times I went to lending training where they taught me how to fill in the blanks of an application and be a good order taker. NEVER once did they teach me lending principles or proper financial management. Most of the bank managers and even presidents that I worked with were in debt up their eyeballs with no way out. To top it off, MOST customers are ignorant of good financial thinking themselves (what do you expect when the people who are supposed to be the experts don’t even know). MOST people do NOT balance their checkbook. MOST do not understand how important it is to pay off debt as QUICKLY as possible.
EDUCATE YOURSELF. University professors will not help you here typically. Most of them have been weaned on the education system designed by the EXACT same people who helped conceive and enforce the Fed Res and the banking system you are all so frustrated with. Read Atlas Shrugged by Ayn Rand, The Creature from Jekkyl Island- G Edward Griffin – These will help you understand what is going on around you. Then read the Cash Flow Quadrant by Robert Kiyosaki and The Richest Man Who Ever Lived by Steven K. Scott and most work by Dave Ramsey, Dwight Nichols, Larry Burkette and those associated with Crown Financial and you can become educated on good financial management.
Finally – PRAY! Look at the sheer number of people complaining on this blog. Your stories mimic millions. This has gone on far, FAR too long and we are in for some very trying times ahead. We are responsible for not educating ourselves. Banks are responsible for preying on people’s weaknesses, Congress is responsible for being willfully complacent and often times downright evil!
God Help Us All.
i hope every stops fuckin banking at us bank the [biggest] rip of fucking bank their is people rrrrrrrrrrrrrrrr stop banking their
run RUN RUN RUN from thier maby i played over 1000 dollers over over draft fees maby more close to 2000 dollers fuck that bank!!!!!!!!!!!!!!!!!!!!
[Edited for objectionable content by the blog owner.]
19.I was recently issued a US Bank check from a US Bank customer who is a client of mine. So I proceeded to a US Bank Branch to cash the check. The teller proceeds to ask me if I am a US Bank customer…no I am not. Well, you will have to pay US Bank $5.00 to cash this check. WTF!!! You have got to be kidding me…am I on candid camera or what!? Yes…this check costs $5.00 to make it a cashable check. I have never heard of such a thing.
I WILL NEVER BE A US BANK CUSTOMER….WHAT A F—ING JOKE!!!!!!!!!!!
US BANK Really Sucks! I am a victim of Fraud on my checking account with USBANK. It is now 6 weeks since it has been reported and still I am receiving the same forms in the mail to fill out again and again and again (which they have confirmed receipt of over and over again). Their customer service department tells me to call the Fraud Department. After I make a call the Fraud Department, the branch calls me and tells me not to call the Fraud Department. After I then call back the branch, I get a call from the Fraud Department telling me not to call the branch. The head doesn’t know what the “tail” is doing! I escalated my complaint to the Regional Manager level only to have him give my situation to a Management Trainee who is making more accounting mistakes. Now they only call me when I threaten to go to the banking commission, BBB or media . . .but still no resolution.
To make matters works, it’s an internet crime and there is no police agency that is helping either! Our City police won’t do anything because the crime wasn’t committed in our town (or at least I can’t prove that it was). Our mail was stolen which is how this all started and the Postal Service has a nice response when you report the crime that says somethign like; we can’t get your mail back, and you may not get a response, but your notification will help us track where there are problem areas! What good does that do!!!!
DO NOT ASSICIATE WITH USBANK!!!!!!!
I feel that we should start a ‘hock a loogie for us bank” campaign. Whenever you visit a us bank atm or if not a customer, whenever you go past a us bank atm, just stop for a moment, concentrate of us bank for a moment, and then hock up a great big loogie, with lots of mucus and all and just plant in on the atm screen. It will make you feel better. SPREAD the WORD, “HOCK A LOOGIE FOR US BANK”
I really can’t condone vandalism, no matter how good it might feel. (Public spitting isn’t high on my list, either.) Besides, other people, perhaps hapless US Bank victims, too, might need to use that ATM.
I hate USbank. About 3 months ago my card was lost and there was 3 transaction done on the account which brought my acct overdrawn. I called customer service and even went down to the branch to work this out, and they said I need to call the fraud dept and have them work on the problem. I called and explained to them what happened, the rep took down all the infos….However, 6 weeks later nothing was done about it, no one called me back and USbank charged me for the overdraft fee’s that I didn’t do. They were charging me $37 dollars per day, a total of $400 bucks worth of fee’s. I refused to pay those fee’s simply because I didn’t do the transaction, I notified them about the stolen card. The rep that I spoke too was so unprofessional, she cut me off while I was still talking and explaining to her what happened. I am good at managing my money, spend only what I can afford, I dont go spree shopping! and has never had a problem with other bank until I switched to USabnk…..
They do not care about their customers. I work in the customer service field as well, and I have always go above and beyond to make sure my customer is happy.
I hate USbank! and I am going back to my pervious bank.
I would advise anyone to do the same. Have you noticed how empty they are usually?
US Bank is unbelieveable. I just paid off over $500 in overdraft fees because a student loan company took out money two days before they said it would hit my bank. The student loan company said that only $140 was thier fault. This bank charged me $37.50 for each overdraft. Now get this…I paid all that off and have $131 bucks left in my bank. Friday before 2:00 pm, deposit $66. in the bank because I had to make a $165. payment that night. Sunday I used my card for $30 and again for .39 cents (I had too). Monday comes around and my bank had a pending draft charge for $20. I didnt set up to be automatic. This bank charged me an over draft for the $165 payment I made because it hit that monday along with the $30 payment and also for the .39 cent payment and ALSO for the $20 payment that was pending…plus as of today an $8. per day overdraft fee. So now Im $248. behind, and dont get a check for another week! Granted I should of had ONLY 2 overdraft fees….one for the $20.34 and one for the $25.31 a total of $75 buck……but this bank knows how to rearrange the transactions and pend them so you get hit with big fees!
10/30/09 Negative Balance Fee $8.00 -$248.43
10/30/09 Overdraft Charge details $37.50 -$240.43
10/29/09 Negative Balance Fee $8.00 -$202.93
10/29/09 Visa Purchase $20.34 -$194.93
This was pending on Monday that caused all the fees on Monday
10/29/09 Overdraft Charge details $37.50 -$174.59
10/28/09 Electronic Withdrawal $25.31 -$137.09
10/28/09 Overdraft Charge details $37.50 -$111.78
10/28/09 Overdraft Charge details $37.50 -$74.28
10/27/09 Purchase With Pin $0.39 -$36.78
10/27/09 Visa Purchase $30.00 -$36.39
10/27/09 Overdraft Charge details $37.50 -$6.39
This right here doesnt make any sence!!! How can I have $31.11 in my account and get 2 overdrafts for spending $30.00 and one for $0.39 cents?
10/26/09 Visa Purchase $165.89 $31.11
And I get an overdraft for the $165.89 when this purchase was made before anything was pending!!!
10/23/09 Deposit view $66.00 $197.00
10/19/09 BALANCE $131.00
As soon as I pay this off………….Ill be sure to close this freaking account with US BANK~~~~~~~~~
I recently have been dealing with overdrafts, I went over the local branches head and went to corporate with my problem, corporate resolved the issue to my liking, then 2 days later the local branch decided to close all my accounts without notifying me.. this has caused a huge issue with my companies payroll department, finally the branch manager ( Kelly @ the Washington Court House, Ohio location) called me to tell me all my accounts are closed and the remaining balance will be at the location for me to pick up, no apologies NOTHING, when I asked her why I was not informed that my accounts were to be closed her reply was.. “Oh well, its all over now, come get your money” Customer service 5 star my ass!
Boy, I’m sure glad our account is (and has been for well over a decade) at FirstBank!
The won additional loyalty with their response a large number of bad charges on a stolen ATM card.
My nightmare just started with USBANK in Omaha NE.
The USBANK has a way of making money of its customers that doesn’t even make sense. I am married and father of 3, yet USBANK doesn’t care or has any compassion for us. What Happened: On the 15 of November 2009, i came from Chicago and when I checked my account, it was $21+ negative PENDING. I run to a local branche and I was told that since it still pending and it is Sunday, a deposit will ovoid an over draft fees. I made a deposit of more than $400. on monday nothing hapened and on tuesday, when the items clear, the whent back and posponed it for the 15 of November resulting on 3 overdraft fees of $37.5×3. I went to a local branche to ask for the explanation after my own branch manager Ryan on Saddle creek refused to speak to me on the phone because he has a costomer infront of him. i asked to hold but he say the only thing he can do is to take my number an call me. he never did. Also, on the morning of tuesday, I have a refund from my school for more than $3,000. a check came in in the middle of the night for $740. I check my account early at 6:am and I sawthat the check is pending for return. I Call the customer service to see why the check was beeing returned even though I have more than enough. I was told the have an alternative which is “force deposit” a term that I have never heard before. The transfer me to my local brache and the told me that they don’t have a manager available and nothing can be done. I went to another local branche to ask about it and they say the can do it. i specicaly asked if there is any fees. they says no. 30mn after the “forced deposit” I saw 5 other overdraft fees on the account. I went back to the lady who did the forced deposit and she told me that after the forced pay, the went back and post it as yesterday and since they post big item first it has result in five items with no fun. You don’t want to know how they treat me! rud, like a tief, i felt like nothing. If you are in this situation, you are powerless. there is nothing you can do. even though they acknowledge that they made a mistake without informing me about the risks, the refused to refund me. they even asked me to leave and gave me a number to complain. I called the number and the lady said she is going to refund me but she will need to talk to her manager. but guess what? she came back 5mn later and transfer me back to my local branch on Saddlecreek road. the Gentman was so umprofessional, trying to accuse me of not knowing how to use my account. he even hung up on me because he says he “doesn’t have time to talk to me and that I can call” the same number that i was transfered from. that is my experience.
US Bank is the worst ripoff bank that I have known. I had been with BOA for may years until this year of financial difficulty I switched to US Bank when my BA account was closed due to negative balance.
Here are some facts related to my experience:
ATM CARDS: When drawing cash from an ATM machine, the bank shows the balance but not the available balance. So if you withdraw cash you are liable to withdraw over the available balance so they end up charging you the $37 over draft. Other banks show available balance.
DEPOSITS: Except for cash, no credit is give for any checks deposited, even for CASHIER’S CHECK! For out of state, forget it! Even for checks that are drawn on their own bank, no credit is given until 24 hours or more. So if you get a paycheck and it was not a direct deposit, wait until they post credit.
CUSTOMER SVC: At best very poor except for the ‘Is there any thing else we can do for you?’ which is annoying. There are very long wait times on the phone. They must have a serious retention problem. BOA is a better choice.
LOAN SHARKING: On checking accounts they give instant credit of $300-500 at a 120% APR
CHECK STOP PAYMENT POLICY: $30 PER CHECK!
I was a phone banker for many years, and I undertstand these issues, particularly when hundreds of dollars of overdraft fees are imposed in an unethical, but legal way. I was not with USBank, but the situation applies almost universally. I have been the victim of the same unscrupulous practices. These unfortunate reps are paid a pittance to tow the party line, or lose their pathetic jobs. Half the calls I took were about these obscene fees; a truly exploitative and sickening practice, mostly extracted from to poorest among us. Our counsel from the bank was always the same: “These charges are avoidable and customers need to carefully manage their money”. My repeated response and the eventual cause of my termination was twofold: I gave back what I could (about $125.00 per account), and I badgered upper management about the $20 Billion fed bailout for their own inability to manage money. The audacity of these Plutocrats is mind-boggling. The problem lies with The US Congress allowing these fees to occur. I am now neither a Dem or a Repub, I am a now an American Revolutionary. I am 60, and was a stockbroker for 30 years. The Financial greed-mongers are in bed with the Political power-mongers and if we don’t do something about it soon, the uneducated and brainwashed generation that follows us will be too stupid to even know the difference. It is called fascism ladies and gentlemen.
US Bank with their late fees and horrible customer service has completely damaged my good name (by reporting me to the banking bureau) which makes it difficult to open another account at a different bank . My husband made a deposit via their atm 3 minutes after close of business friday. I was told if he just walked 10ft to the left he would of avoided check fees by using the night drop. They were rude unprofessional and certainly did not care about my overdraft fees. Anyone who is even thinking of opening an a account with us bank you’d be better served putting your money in your mattress than dealing with those snakes!
RE. US Bank charge card. US Bank just charged me $39 for over the limit charge after the charged me a late fee of $39 and cost me a $15 and some cents finance charge which ost me another $39 over the limit fees. So in two days, this is no joke, in two consecutive days I was charged over $132 in fees. I thought this type of interest was only done by gangster in the movies. Guess not.
this bank is the most money grubbing peices of shit i have ever come i ncontact with I hope they go bankrupt and the hole system and all its employees find a nice spot in the unemployment line.
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US Bank has been ripping me off for 3 years without my knowledge!!!They attached a reserved line of credit to my account without permission .They are very deceitful.This has been a absolute nightmare trying to resolve this dispute.Every USBank that Ihave contacted gives me a different answer and a different amount.They are very unprofessional !!!I closed my account with them and now the nightmare has gotten worse .More charges are being billed to me that I DO NOT OWE!!! I moved to a new address and they could not even get that simple request right.My mail is still being shipped all over the country.If anyone is thinking about banking with US Bank PLEASE THINK AGAIN!!
I just put up a video on YouTube that explains my experience and how bank managers get bonuses for taking on fees to your accounts.
zapit.nu/Iy
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