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.]
{ 194 comments… read them below or add one }
← Previous Comments
I AGREE 100% US Bank is HORRIBLE>
We had a mortgage with The Leader Mortg company for 2 years. We paid online no problems what so ever.
Well now we got switched to US Bank Mortgage and in 2 months it has been HORRIBLE!
First month couldn’t even get online to make the payment FINALLY after 3 days of phone calls they finally figured out that all the people who were switched over had too many digits in their loan numbers.
So we then have to pay over the phone since we don’t even like to be 1 day late (Forget about the 15 day grace period) and they charge us $9 to pay by phone.
Next month we FINALLY get it straightened out and pay online by echeck 2 days before the due date. 10 days later they call us and say that our bank said there is NO such bank account LIARS>
So we read off our bank account # and routing number and US Bank says YES that is the number we have but it didn’t go through so we ahve charged you and extra $20 and you better hurry up and pay or else in 8 days you REALLY will be late and it will go on your credit and we will charge you a $50 late fee.
Well I just went online and paid AGAIN and we will see what happens. If we didn’t have such a low rate I would refinance but they got us by the short ones those BASTARDS
hello all,
I am reading your website in disgust right now. I believe that whatever you are saying would also be said if you were banking with lets say “Bank One”.. no matter what bank you bank with you would be complaining like this. I for one work at the US Bank Service Center dealing with you people. People calling us every second of the day,due to the fact that we have to be open 24/7 to deal with all your problems and “complaints” that wouldnt be there if you simply read the “cardmember agreements before signing up for the card or using the card”.…before working at us bank, i didnt know much about credit cards or anything about banking, but for training we were forced to sit down and read the cardmember agreements sentecne by sentence. Im sick and tired of hearing this one simple phrase.…..”Why did i get this late fee??” Why you ask!!!! What does late fee mean???? it doesnt mean you were early…it means you were LATE!!! “But i wrote the check out before the due date, i cant control the mailing system. Well sorry, neither can we, so thats why you should leave more then 3!!!!! days before your due date. Have you ever mailed anything else that takes only 3 days, i dont think so. And also…im sick of hearing…you guys purposly held my payment to be late!!! You guys suck!!.…well for one thing, its against the law for us to hold payments. All payments are recieved and posted electronically the day we get them, if by chance there is an error, we will not charge a late fee, due to our error!!! Dont you think its kinda odd that we would hold just YOUR payment and not all 2 million cardholders payments????? Oh ya…and sorry we cant handle all calls in one department!!! So we do need to transfer you to a different department to for say.…change your address. As the famous phrase goes…you cant kill a 2 birds with one stone. As soon as we mention that we have to transfer you, i hear that recognizable SIGH from the back of your throat!!! For example, you go to the doctor for your skin!!! ok?? and you have a broken arm, that skin doctor cant help your broken arm…so you hve to scheudle another apointment with a different doctor…kinda like we transfer to different departments!!! Now i would love for you to work for me just one day, and see how many people yell at you, and swear at you, for something that is not your fault, but is acutally their own fault. Kind of like all your situations.!!!! Just remember…you show me respect..i show you respect!!!!!!!!! I LOVE US BANK!!!!!!!! by the way…i have had a credit card with them for 2 years!!! not one late fee..or any type of problem…due to the fact that i read the CARDMEMBER AGREEMENTS before i purchased one thing!!! And by the way.…do you have a job?? cause making this website must have taken some time??? you must be devoted to HATING US BANK!! Well, whoever reads this posting..and has a credit card with us bank, or not even a us bank card but another credit card, please read your cardmemeber agreements, you will find out alot of information, and if you dont have your card member agreements im surely glad one of your customer service reps will gladly send you a additonial copy!!!!
WOOOOOHOOOO I also love usbank!!! I also work their and know what your talking about..people just simply dont read their cardmember agreements we wounldnt have to deal with whining people that cuss and bitch at you for something that isnt your fault!!its their own fault because they are retarded and dont read there agreementS!!UGH!!I cant stand usbank haters cause you would be haters no matter what because your ignorant to something that is so simple to understand if you would just READ!!!!
Hey, “Brandon,” any reason why you use the same sort of exclamation point style and spelling of “cardmember” and use of two periods for elipses and other stylistic bits as, oh, “zach”?
Or why you use a suffix of “85″ in your e-mail address, just like “zach”?
Wouldn’t be the same reason as your having the same IP address as “zach,” would it?
Just wondering.
For what it’s worth, btw, this “site” is one page (or group of pages) in a much larger site — and 95% of the above was written by other people about US Bank, both pro and con. I do have a job, and many other things to discuss besides our own bad experiences with US Bank. But if other people want to take time to relate their encounters (bad and good), I’m more than pleased, for the time being, to provide a forum.
ok sorry…but were not the same person…we are to guys that work at us bank!!! i wouldnt use to different names to post something i would post it all on mine…and seriously…!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!whoops…sorry…hit that key accidently! it is possible that two people have the same suffix of 85?? so did you just have a loan..or did you have a credit card?? SORRY!! you feel so bad towards US BANK…but im just stating my personal experiences too…as a US BANK employee….so what bank have you decided to go to now?? Bank One?? or what..im just curious..thanks!
hey i got a question….why are you looking at our IP address?? are you a stalker?? is it possible..that we could be two different people at the same house???? do you really need to know our ip address???”"”"”"”"”"Oh YA us bank rocks!!!!!!!!!!!!!!!!!!!!”"”"”"”"”"”"”"858585858585858585858585…whooops sorry
YEs transfering is part of hte job!!! get use to it!! i dont know how you t hink one representative can handle everything!!!Just lik eyou cant handle everything!!! so just shove it!! its your own fault stalker!!!
IP addresses are automatically captured for comments by most blogging software. Just, in case, y’know, there are abusive commenters out there.
I LOVE USBANK!!!!
Read your cardmember agreements all and you will also love USBANK!!!
Yes, Brandon. We get it.
It’s ironic that these two USBank employees who are fighting for their bank are actually affirming the negative PR that they complain about in their postings. It’s my opinion that these people are not even capable of having a reasonable dialog at or away from work. With a recent fraud incident on my USBank check card and everything I’ve read about on the web I’m switching my banking to someone else. I think this cat has just used life number eight and doesn’t want to stick around and chance losing number nine. This is after 12 years with USBank. Thanks Zach for affirming what so many others have already said. If it weren’t for us “People” calling at all hours of the day or night you wouldn’t have job you blithering idiot. Do you think that the bank would pay you to sit around a call center that wasn’t receiving calls?
Responding to some of the earlier postings regarding saving the bank I say run and don’t look back. Screw saving them, I personally can’t wait to see the other banks squash them with good solid performance. They’ll eventually change or go the way of the dinosaurs, as this is the way of business. Either way I won’t be around nor will I care what happens once I’m clear of this organization. Thanks Dave for all the efforts and your professionalism in your postings.
Thanks chris for you wonderful response!! It enlighted my day! So you guys arent “capable of reading your cardmemeber agreements.” I would just like to see how you would do in my position…have to here the same exact words over and over and over again!! For example…why did i get this late fee???? Boy i dunno,what does late fee mean? Does it mean you got ur payment to us early??NO!! But i sent that payment in 3 days before the due date! Do u really think anything can get mailed out to any place in 3 days?? And yes we do control the mail..so we can choose when it comes to us…right??? WOW!!!!!! We are talented..its all our faults! Thanks for your input chris. And remember..us bank is awesome.
I feel your frustration. I am dealing with a situation where US Bank set up a couple of TRUSTS, and then did not follow the trustors’ intent and instead paid out the money however they felt like, and now US Bank is trying to cover it up and pretend they did nothing wrong even though the grandchildrens’ inheritances are gone.
Well, I am here to say that I agree with everyone who had said that USBANK sucks. It is not that they could not do anything to help with my situation that got to me, BUT the fact that they couldn’t help me with such an attitude is what grossed me out. I talked to a monster of a lady called NANCY and she was so rude and unprofessional. On top of it she sounded like a computer! I am sorry to anyone who thinks anything positive of USBANK, but when I think of five star service, I think of an honest, good-hearted, responsive and caring representative. So, YES, US BANK REALLY DOES SUCK!!!!
US Bank really does suck.
In my case, I wisely closed my account 2 weeks ago (never bounced checks – closed to switch to Lasalle/ABM Amro because of their bad ATM coverage in the Chicago area).
However, it appears as though USBank has a hard time telling their Billpay provider when accounts actually close. Because the recurring payments I had set up in Billpay (thankfully – only one was like this) – were made anyway (against my closed account, weeks after the account was closed). The dumbasses at the billpay provider let the check that was sent clear – then later found out it was a closed account.
So now they want the money from me that was sent. They will get it – next month, when it is convenient for me (and since the payment was the last one on a car lease that is ending – I will be getting the money back when the lease officially ends around 9/4). The good news is that they agree to this, since their own incompetence got them into this hole (how is it my problem that USbank does not communicate account closure to their billpay providers… they could not even answer that one).
Hint to you USBank people there. Your account closure process is broken. Also – the company you work for is incompetent.
The funny part – is that in persuit of short term quarterly profit – they are driving their customers away in droves. All a typical customer needs is the following:
* A place for your paycheck to land with direct deposit
* A place from which to pay bills and/or write checks
* A reasonable ATM network and/or discounts using other’s ATMs
Frankly, with the cost of fees that banks like USBank (Citibank, Bank One, Wachovia, and other “big” banks are just as bad) – it is more cost effective to go with some of these alternatives:
* Credit Unions, if available
* Brokerages (I use my Schwab account check writing feature for bigger ticket stuff)
* Smaller Community Banks, if they have a good rep in your town
* Banks owned by a brokerage (so far, my experience with ABM Amro/Lasalle is actually pretty good – I suspect it is the combination of Lasalle’s regionality coupled with the fact that ABM is more of a “white shoe” kind of outfit)
I feel the pain for the people who get killed on fees. Banks love you when you overdraft, late-pay, and the like. They strive on ignorance or inattention to finances. The USBank/Citi/B1’s of the world make most of their money from fees now – they have negative interest in helping customers avoid fees.
Best of luck. Explore your alternatives.
Making good on a promise to US Bank to blab my story to consumer complaint websites, fiscal oversite websites and just anyone who will listen. I think I have a twist on all the above. Yep, pretty sure all you US Bank promoters out there will say “You should have read the card membership agreement” — I did. Guess the terms changed when I signed up for credit protector. Hmmmm…where was credit protector when this thing was happening? I never got a notice or a call… And the thing is, I had just paid off a balance to US Bank Credit Card a month or so ago. I had a zero balance on 0.00% interest and an increase in credit line. I cannot figure for the life of me how the below happened. 409.76% A.P.R. on an overdraft protection (Unauthorized cash advance) charged to my account when there is no record of the overdraft on my checking account statement?? I keep receipts. But then there was the time I tried to add my husband to my account. We went to the bank where I started my account, completed paperwork and were told it might take 10 days. We have a good income, he has very good credit and stable employment for 4 years now. We waited, and waited, and waited. Finally I called the CSR line and was told to go back to the bank and inquire there. Which we did. Manager could not find the original paperwork. Husband is at Bank One (he says it isn’t much better). I should have quit while I was ahead…
Email to US Bank 8/22/04
Why am I being charged $32.00 this month? I have not used my credit card and I have not had any overdraft.
I have already emailed the credit card division about this matter. I am notifying you that I will be closing my account with US Bank by the end of this month for the following reasons:
I have been unhappy with your policy of delaying accrediting my checking account with my full deposited amount for quite some time, but I have chosen in the past when your policy created an “Overdraft” to work it out with the bank. No more.
You have once again caused a problem for me, not just with my checking account balance, but also with my credit card account, and with my credit rating.
I deposit a government payroll check every two weeks into my checking account and I have to wait for three days before you acknowledge that a government check is good. I once deposited a government payroll check at the counter to a teller at the Meijer Middletown Ohio branch and the next day I am informed by my husband that his attempt to withdraw money was halted when he noticed this incurred an “overdraft”. PROBLEM: The deposit was for over $800 and the withdrawal was only for $160. I had to go back to the bank, on a work day, take in the receipt from the previous night’s deposit and show the clerk that an error had been made by the bank. I required a hand-written notice from the head clerk that this was a bank error and my account would not be adversely affected. I was given a temporary deposit credit until my actual deposit was accredited almost a week later. I was fortunate because I took action immediately. I have known others not so fortunate who have been stuck with “consumer protection” services and their accounts have become insolvent and their credit damaged.
Yet…Once AGAIN you screw up. I deposited a government check for $976.54 on July 29,2004. On July 30, 2004, my husband attempted to withdraw $200 from this account and he happened to notice this incurred an “overdraft”. He immediately went inside the bank in Dayton Ohio, and spoke to the clerk and he deposited $100 back into the account with the clerk’s assurance that this would not be a problem and no fees would occur. I cannot understand how these “errors” continue to happen. For you see, I have not used my credit card for awhile and I did not expect to see a balance on my statement when I checked it online. But, on the exact day that the above incident occurred, my credit account is showing a cash advance of $25 for overdraft protection fee. And I also have incurred a $5 service charge and a $2 finance charge which I feel are totally beyond my responsibility to pay. I have had it with US Bank.I have been victimized by you one time too many.
My online bank statement does not show an accurate progression in my transactions from these dates. I keep receipts. I keep them for reasons like this. I have proof that my government payroll check was deposited on July 29, 2004, well before my husband attempted to make a withdrawal. What I do not understand is this — why does my account not reflect an overdraft? Why does it show that he deposited $100 on July 30 and then “later” he withdrew $200? In no case is there an overdraft anywhere on my statement. I can only conclude, that even though you want me to believe you have a delay in processing all transactions, in truth, the delay always comes when a credit to the account is being done, and a debit always occurs immediately. My husband has worked on computer programs for banks and we are not ignorant that this policy always benefits the banks.
You have managed to screw up my credit rating with this policy. I know of other instances where your policy of not crediting payroll checks into people’s accounts have caused “overdraft” protection charges and fees, and they never seem to end. I find your policy to be dishonest gouging of the consumer and I do not want to be a part of your business after the end of this month.
I am reporting these incidents to the appropriate fiscal watchdogs and consumer groups and to websites that report these problems.
In closing …
You prey upon people’s trust in a banking institution that claims to be about “customer satisfaction.” I have seen this practice ruin other people’s attempts to build good credit. I will never again use a US Banking credit card, or any services.
One more item …
And my son had fraud on his account when someone stole his checkbook and purchased items from a retailer. Retailer asked for no identification even though the checks were for over $300 and $400 dollars. US Bank was alerted about the fraud late and was altogether pretty good at handling this. But I did have to go to his home state, accompany him into the manager’s office, demand that they fax the check copies (no cost to us)to the retailer and give him a signed statement acknowledging these checks had forged signatures (nothing at all like my son’s hand scribble)This just took…oh maybe 3 months to resolve.
Making good on a promise to US Bank to blab my story to consumer complaint websites, fiscal oversite websites and just anyone who will listen. I think I have a twist on all the above. Yep, pretty sure all you US Bank promoters out there will say “You should have read the card membership agreement” — I did. Guess the terms changed when I signed up for credit protector. Hmmmm…where was credit protector when this thing was happening? I never got a notice or a call… And the thing is, I had just paid off a balance to US Bank Credit Card a month or so ago. I had a zero balance on 0.00% interest and an increase in credit line. I cannot figure for the life of me how the below happened. 409.76% A.P.R. on an overdraft protection (Unauthorized cash advance) charged to my account when there is no record of the overdraft on my checking account statement?? I keep receipts. But then there was the time I tried to add my husband to my account. We went to the bank where I started my account, completed paperwork and were told it might take 10 days. We have a good income, he has very good credit and stable employment for 4 years now. We waited, and waited, and waited. Finally I called the CSR line and was told to go back to the bank and inquire there. Which we did. Manager could not find the original paperwork. Husband is at Bank One (he says it isn’t much better). I should have quit while I was ahead…
Email to US Bank 8/22/04
Why am I being charged $32.00 this month? I have not used my credit card and I have not had any overdraft.
I have already emailed the credit card division about this matter. I am notifying you that I will be closing my account with US Bank by the end of this month for the following reasons:
I have been unhappy with your policy of delaying accrediting my checking account with my full deposited amount for quite some time, but I have chosen in the past when your policy created an “Overdraft” to work it out with the bank. No more.
You have once again caused a problem for me, not just with my checking account balance, but also with my credit card account, and with my credit rating.
I deposit a government payroll check every two weeks into my checking account and I have to wait for three days before you acknowledge that a government check is good. I once deposited a government payroll check at the counter to a teller at the Meijer Middletown Ohio branch and the next day I am informed by my husband that his attempt to withdraw money was halted when he noticed this incurred an “overdraft”. PROBLEM: The deposit was for over $800 and the withdrawal was only for $160. I had to go back to the bank, on a work day, take in the receipt from the previous night’s deposit and show the clerk that an error had been made by the bank. I required a hand-written notice from the head clerk that this was a bank error and my account would not be adversely affected. I was given a temporary deposit credit until my actual deposit was accredited almost a week later. I was fortunate because I took action immediately. I have known others not so fortunate who have been stuck with “consumer protection” services and their accounts have become insolvent and their credit damaged.
Yet…Once AGAIN you screw up. I deposited a government check for $976.54 on July 29,2004. On July 30, 2004, my husband attempted to withdraw $200 from this account and he happened to notice this incurred an “overdraft”. He immediately went inside the bank in Dayton Ohio, and spoke to the clerk and he deposited $100 back into the account with the clerk’s assurance that this would not be a problem and no fees would occur. I cannot understand how these “errors” continue to happen. For you see, I have not used my credit card for awhile and I did not expect to see a balance on my statement when I checked it online. But, on the exact day that the above incident occurred, my credit account is showing a cash advance of $25 for overdraft protection fee. And I also have incurred a $5 service charge and a $2 finance charge which I feel are totally beyond my responsibility to pay. I have had it with US Bank.I have been victimized by you one time too many.
My online bank statement does not show an accurate progression in my transactions from these dates. I keep receipts. I keep them for reasons like this. I have proof that my government payroll check was deposited on July 29, 2004, well before my husband attempted to make a withdrawal. What I do not understand is this — why does my account not reflect an overdraft? Why does it show that he deposited $100 on July 30 and then “later” he withdrew $200? In no case is there an overdraft anywhere on my statement. I can only conclude, that even though you want me to believe you have a delay in processing all transactions, in truth, the delay always comes when a credit to the account is being done, and a debit always occurs immediately. My husband has worked on computer programs for banks and we are not ignorant that this policy always benefits the banks.
You have managed to screw up my credit rating with this policy. I know of other instances where your policy of not crediting payroll checks into people’s accounts have caused “overdraft” protection charges and fees, and they never seem to end. I find your policy to be dishonest gouging of the consumer and I do not want to be a part of your business after the end of this month.
I am reporting these incidents to the appropriate fiscal watchdogs and consumer groups and to websites that report these problems.
In closing …
You prey upon people’s trust in a banking institution that claims to be about “customer satisfaction.” I have seen this practice ruin other people’s attempts to build good credit. I will never again use a US Banking credit card, or any services.
One more item …
And my son had fraud on his account when someone stole his checkbook and purchased items from a retailer. Retailer asked for no identification even though the checks were for over $300 and $400 dollars. US Bank was alerted about the fraud late and was altogether pretty good at handling this. But I did have to go to his home state, accompany him into the manager’s office, demand that they fax the check copies (no cost to us)to the retailer and give him a signed statement acknowledging these checks had forged signatures (nothing at all like my son’s hand scribble)This just took…oh maybe 3 months to resolve.
I guess very few people on this site have heard of personal reposonsibility.
Always easier to blame another party (the bank in this case) for your mistakes.
Well, I’ve neber heard of “reposonsibility,” personal or otherwise. Anybody else?
I think that means that if your kid works for the credit agency, he’ll warn you before the bank tries to take your car back for non-payment.
I am SO happy to find this website! I received a letter warning of foreclosure on my home on August 29, 2004. Being I have made EVERY payment, I thought “simple error, a phone call will fix it.” The “customer service” people that I spoke to were rude, refused to research my account history, refused to listen, and refused to explain how in the world I got 3 months behind. I spoke at length with one rude man, and in that time he demanded that I come up with a payment right now, he told me that if I could afford a lawyer I could afford to pay for my house, he told me that the state my account was in I was not going to be able to re-finance, threatened to contact my ex-husband and it gets worse from there. I later called another “supervisor” and received the same treatment and a little worse. As promised, on Wednesday, August 31, I received a foreclosure letter by lovely FED-EX. I called the number listed on the bottom and left a message that I was disputing this claim, and I would be contacting my lawyer in the morning. She returned my call and within 5 minutes time had found errors dating back to January, which not only brought my account current through July, but also covered my August 2004 payment, which I had not made yet due to the problems. I have been trying to get someone to listen since April. I have yet to receive any kind of apology. I went through 3 days of hell on earth trying to convince these people that the error was on their part, only to be intimidated, ridiculed and threatened. I agree….5 star guarantee does NOT hang proudly on the walls at US Bank! I have personal responsibility…I used personal responsibility….I paid my payments..US Bank used poor business ethics by not listening to the consumer and by using intimidation methods to try to re-posess something that they had no business re-possessing.
I am SO happy to find this website! Just in August, 2004, US Bank was threatening foreclosure on my home. I have been trying since April to get someone in their offices to research my account and find out where the problem is. By August, they state that I am 3 months behind and they are foreclosing beginning September 1, 2004, even though I have made my monthly payments and have receipts for them. Working with their Consumer Finance Supervisors was a nightmare and I talked to several. Finally, after receiving a letter of definite foreclosure activity from US Bank, I was able to find a person who was willing to research my account, finding that my payments were miss-posted, and had been since January. Not only were my payments on time through July, 2004, there was enough error to cover my August 2004 mortgage payment as well. I have yet to receive an apology from anyone and have very little faith in their “5-Star Guarantee”. P.S. — I used personal responsibility in paying my payments every month….business responsiblity does not exist with this bank.
I also worked at US Bank, and we have many many problems such as this. And, guess what? 99% of the time–they are the customer’s fault. I’ve read your post, and I can tell you the reason why people are switching you around, not calling you, etc.
1) The mistake was your fault.
2) They’ve told you it’s your fault. You won’t listen.
3) Since you keep demanding things they cannot possibly give, they ship you to someone who has a small chance who could.
4) The person who they ship you to cannot do anything about it, because, again, it’s your fault.
And, the NUMBER ONE REASON why banks will give out customer service like this is:
You’re an idiot. Now, they cannot tell that to your face. But they’re hoping you’ll get the subtle hint when they do this to you.
Bottom line is, if the bank messes up, most of the time it’s easy to fix. However, they cannot fix a problem you caused. So, anybody who reads this, stop bugging the bank. It’s your fault.
Now, of course, the disclaimer is that this post is not correct 100 of the time, and MAY not be true even in this case. However, it is very probable.
- Sick of dealing with irrational customers
Having worked in customer service of various sorts, I’m certainly familiar with difficult customers, and ones who shoot themselves in the foot.
That said, I’m a bit concerned that the “best” that the “Five Star Service” can provide is a shrug and a “well, I can’t help this dodo, so I’ll just fob him/her off on someone else in customer service.” Indeed, that attitude doesn’t speak well of customer service to begin with.
You can’t please all of the customers all of the time. But certainly passing the buck is not the solution, either.
I love the complaints about US bank because they really are bloodsucking bastards.
What we as consumers need to do Is call them on the 5$ service credit everytime we need to set up some kind of email chain to notify one another when there web site is down or there phone system is off line if we can get enough people to make them pay at once we can really bust there balls. I have been with them for six months and I have been payed 75$ in service gurantees. Now multiply that by 1000 if we can get enough people online.Maybe we can make them pay !!!!
email me a mrscummings@msn.com so we can get the chain going send this to anyone you know who still banks with them.
Here is a U.S. Bank story for you:
http://www.trustmatter.com
US Bank is forcing me out. I have a business and they don’t like counting all the cash that i bring in. I have lots and lots of ones. So , they sent me a letter, stating that they have decided not to do business with me anymore. In two weeks they say that any checks drawn on my account will no longer be honored. Just like that! I have over 15,000 dollars worth of outstanding checks to my clients and suppliers. By the time this is over I am going to have a hell of lot of pissed off people on my hands. My business reputation will be harmed and when I told them that I didn’t have any problems with changing bank accounts, but that I needed more time to do it they said,” we think that is enough time. . . “. The branch manager is a damn genius.
I found this website trying to find a better contact than the one on their site cuz I sent customer service an email to try to get them to intervene. Yet, I have heard nothing from them. . . . .
The saga continues.
US BANK SUED BY CUSTOMER OVER A $291.80 DISPUTE AND “WON WON WON”
I hear what you all are saying, I sued U.S. Bank because I noticed a deduction on my statement of $291.80 on or about November 27, 1997. because I did not inform them within 60-90 days they would not reverse the charges, so after many telephone calls and becoming frustrated I decided to sue them through the small claims court on September 01, 1998 in Clackamas County Oregon.
I filed a claim against them and it cost me a $42.00 filing fee plus about $3.00 to have the complaint delivered. Within 14 days I got my money back plus all of the court cost and fees associated with the dispute.
Lisa A. Peterson, the Legal Assistant in the legal department of U.S. Bank in Portland, Oregon handled the matter and on September 28, 1998 she placed $336.80 back into my account.
I have sued them before through this process and every time I have won. I believe that if everyone went through this process a major percentage of the losses will be reversed back.
It was funny on one occasion, I wanted to get the small claims form notarized, when I went into U.S. Bank to get it notarized, they told me that they do not notarize anything that does not have to do with U.S. Bank, I told them that it did and gave them the form to be notarized, I was the Plaintiff and U.S. Bank was the Defendant, the form was notarized.
If anyone needs any assistant in this process, I would be more than happy to answer any questions that you may have. My email address is: consumernews@comcast.net thanks for listening and keep up the wonderful work in drowning U.S. Bank.
I always though the stories on US Bank were just from people who mis-managed funds. I’m sure a some of it may be that, but after my dealings in the past to now I have had it with US Bank and will goto a local Credit Union.
I worked in the financial industry and I am very aware of federal regulations and policies, plus the policies of banks that I have been with in the past. I know about fee’s, how they apply and that deposts can legally be held up to 14 days, etc. I also worked in the CS field in a credit card industry and know how stressful it can be when talking with 100+ card holders everyday yelling at you. Which is why when I call up CS I stay professional and courteous and look to recieve the same respect.
It started back in Feb of this year. I bought some books for school off a large website. I ended up not getting a book and followed though with my dispute proceedures. I tried to contact the seller, then the website, then to US Bank. I get the forms and fill them out and send in all the information I have to speed up the process. All letters to the seller and the website and my transaction summary and reciptes with the hopes of a speedy transaction.
I know when an Item goes into dispute you are not responsible for it. But if it is found not to be in your favor then it gets posted back to your account and if it causes any fees then you are responsible for them. I sent the paperwork out on the same day I recieved it. It went out in that days sort since I ran it directly to the post office during that mid morning.
So I continue to monitor my account and keep my registry up to date. Then I see the dispute put back on my account and puts me $2 in the neg, then an OD fee. I call up on my dispute to inquire on the reason for their decision (it is the consumers right to have this information). They tell me they never rec the paperwork on time. I have a letter saying that you did rec it and will be working on processing it. I get put on hold and transfered to the person working on my dispute. I get a VM. I leave a message and wait for a call. After 3 days I call back. I talk with the person. They tell me they have the paperwork and are going to process my dispute. I get the $15.99 credit back to my account but the OD fee remained. I didn’t complain on it at the time, I had more important things to do. 2 weeks later I see the $15.99 back on my account again and another OD fee since it put me OD. I call again to see why. I get I didn’t give all the info they req. I asked what they wanted again. They told me, it’s what I sent them. Then the rep was like “oh yeah, I have them here”. $15.99 credited back to my account, OD fee still stayed. This was on a Monday.
I have direct deposit on my account. The end of that week I my deposit was going in. On wed i checked my account and I see the 15.99 put back on my account and another OD fee. Now this starts the spiral with my checking account. I call back and get the persons voice mail. This time I’m pretty mad. I layed in on her. Next day, 15.99 taken off my account and never seen it again. But the 2 OD fees remained. I didn’t want to go though that headach of getting those removed.
I live paycheck by paycheck as most do. I usually do ok to where I don’t have to over stress on everything. But when you have $64 in fees on your account, that throws a monkey wrench into your finances. I could pay a bill with that or put food on the table. My rent check comes up short, but the bank clears the check. Now I’m OD by $80 then another fee. Fine I understand. Funds were not quite avail. My fault, but if the prior 2 fees were removed since they were bank error, i wouldn’t have been in this place. But my fault for not proceeding with that. I play catch up and get somewhat situated.
I hit OD ever now and then but the bank clears the checks. I take care of the neg and the fee in a day or two and all is good. I have been with US bank for 3 years and figured the mix up with the dispute wasn’t a big deal. I pay my cell phone bill 6 weeks back. I was not aware that they started charging a fee for doing payments online. It’s like a dollar something. No big thing, but it put me OD by $0.75. yes .75. I get a $33 OD fee. fine I went OD, but seemed pretty stupid for .75 cents. Even in the credit card industry I’ve seen more flexability. Also to add to it the place I was working at is setting up for a merger, so that ment layoffs. All is good, I go back to my old job as a delivery driver. The pay isn’t great but the tips are good and it puts food on the table.
My wife has direct deposit set up now. I get this OD fee on a monday. By thursday I get a fee for being in OD for so long, the another OD fee is on top of that. now i’m like a little over $100 in the hole. At the same time my insurance pulls money out on Friday, when my wifes check has already been deposited and all funds avail. I get a return check fee. My insurance has provided me with the info showing me when they put the transaction through which was on Friday night. The bank told me the was no funds avail to cover it. I’m like the transfer didn’t happen until Friday night and have papers from insurance to prove it. They tell me it was thursday night and that the insurance comp provided me with incorrect info. Whatever. I knew I was going to be short on cash when the insurance puts the transaction though again, but figured it will just OD and I’ll take care of it. I was wrong. It nsf’d again. The insurance tried to force it though. I was charged a force fee and another nsf. I ended up taking care of it. My fault assuming that it would just OD. Instead of a OD fee of $33. The bank scored 2 NSF fees and a force fee. Totallying $90.
Now this saturday I get some money. I have avail in my checking account $105. This is avail after all pending transactions not including a $50 check to my electric bill. So I really have $55 avail. I drop in $350 which $100 is avail, so i have $155. I buy some food and pay a bill and have around $40 left. Including the $50 to my electric bill. The check deposits fully to my account on Monday. I have a NSF charge on my account. I’m thinking there shouldn’t be anything. I’ll check with the wife and make sure she hasn’t bought anything.
No wife didn’t buy anything. The two purchases I made on sat has posted to the account. I should of had $290 avail not counting the electric bill. I know I didn’t write any large checks. I pay 2 more bills, etc. which would have left me with $110 not counting the electric check. or would be $77 after nsf fee. Now today I get another NSF fee and a OD fee. I call up CS to see what is going on. They tell me the $50 ACH was returned since funds were not avail. They said they processed it on Sunday. Fine I’ll take that and leave it. I asked about the other two fees. The OD fee was from the check card debit to a bill. They said I didn’t have all the funds avail to cover it, and the NSF was the $50 ACH. There was no funds to cover it.
I was told that visa/debit cards are guaranteed to go through, no matter what. They reserve the right to choose to allow a check to go though or not. I was like there was money in the account. the deposit went though on monday. They told me that the funds were not avail until wednesday. I asked why the other charges went though then. I was told funds were avail for them. If this was the case, this would confirm the funds were avail on monday. Fees were not going to be waved since it was “not” a bank error.
In this case it was. I have admitted to my errors in the past and never called up to complain on them. The rep told me they are able to pick and choose what they want to go though based on the history in the past 90 days. “pick and choose” were the exact words. Last time I looked, this was a form of discrimination. You may clear one check, but not another i asked, just for clarification. the rep told me yes. Hmmmm wish this was recored. I went up to a supervisor. Was told the same thing. All I wanted was 2 fee’s waved. I never asked for fees to be waved in the past (accept during my dispute which was never taken care of). She told me no and restated the same thing the prev rep said. I asked what my account bal was on two days this month, also the days before and after. I was give the bal which confirms what I have $100. I had my subscription with a mail service take funds out on the days in question. I get an email from them saying the charge could not go through. Credit card info matched up with them, etc. I asked about that. it is a visa/debit card transaction. funds were avail, it did not go though. The rep became angry with me and started yelling and getting snotty. Remember I did mention i did do this and know what it felt like being on the recieving end, which is why i treat them with respect and ask the same in return. I remain calm and ask questions to claify my concerns. I was told “If you had or made enough money, then this wouldn’t be a problem. Take this issue up with your branch.” My response was I want your supervisor. She gave an attitude and kept telling me to talk to my branch. I ended up getting her supervisors name and was xferd to his voice mail. I left a message, but doubt i will get a call back by 3pm tomorrow (as stated in their 5 star crap treatment). So I’ll waste more time and try to get $5 in the process.
Sorry for the book, but I’ve had enough. Friday I goto one of the local credit unions and open an account. I have been with 3 banks in the past. Great Western, which turned into Washington Mutual and a local credit union. I liked the credit union. Great Western was good too, until it changed to Washington Mutual. One thing I have learned, US Bank does not like it when you know what they know and all the regs and policys.
I hope this helps anyone out.
US BANK CREDIT CARD ELIMINATION
I have read Zach and Brandon’S statement on July 10, 2004. If anyone cares to know this, several credit card companies including U.S. BANK has failed to credit accounts for money or credits accepted by all credit card holders. That the banks failed to disclose those material facts to the credit card holders. That the credit card holders are entitled to receive credits.
Here’s Why
1. That the banks do not follow Generally Accepted Accounting Principles.
2. That the banks do not follow the Federal Reserve Bank policies and procedures.
3. That the banks prohibits the party that funds the loan or extension of credit to be repaid.
4. That the banks do not disclose to the credit card holders that they would create new money based on the credit card holders note or similar instrument.
5. That the banks do not disclose to the credit card holders that the credit card holders are not entitled to those credits or money.
All credit card holders can dispute their entire balance based on the above information, that the dispute shall constitute prima facie evidence that the credit card billing error is a bona fide dispute and that the credit card company must credit the credit card holders account accordingly.
Member Testimonials
“I started my debt relief in February 2003 and I am completely finished now. All the way through the process, I was utterly fascinated with what I learned about how the banking system really works and how they overcharged me. I know, I will never get into debt again! The Resource Center is very responsive and my Specialist went beyond the call of duty to help me understand everything I needed to know. I am very pleased with the result as I now have relief from over $56,000 in credit card debt.”
K.S., Florida
I followed my specialist’s directives and found myself $42,000. out of debt from 4 credit cards. The hardest part was surviving all the ringing on my telephone for a month or so. My phone is now quiet again. I can’t tell you what a wonderful relief it is not to pay the huge interest payments and feel like a free woman like I was born to be. It really was a whole lot easier than the great majority of people think.
I am now paying cash again for things that I buy. I like having the feeling that I have my finances in control once again and am earning and saving to purchase things that I want. Those material things are always less expensive without interest and ‘gently owned’ items are always significantly less expensive.
Sincerely,
Pac, Texas
Let’s Get Started
For those of you who wish to know what this is all about can call 913-385-4865 and listen to a five minute overview, then email us at usbanksucks@comcast.net , also for those who are in dispute already with your credit card company and or may be in collections will want to contact us as well.
I agree U.S. Banks Sucks. I’ve never seen a bank so dumb in my life. I’ve done customer service most of my life and I’ve worked with companies who really care about customers concerns and companies who don’t. U.S bank has ripped me off for $400 in overdraft charges when my account never went defaulted and it clearly showed that on their website. But no one can help me with that issue according to their rules. I HATE!!!! US Bank with a passion and I’m having all of the accounts that I refered to them closed which add up to about 60 through my business. I refuse to give them my money anymore.
I know what Margie is going through. Us Bank is screwing me around with a fraud against my account they sure can take my money but I can’t get mine back. The fraud department only gave me 467.00 back which there was a -313.00 doolars accured charges from over drafts from the fraud on my account Us Bank subtracted the -313.00 from my 467.00 they gave me. I ended up paying over draft fees that I didn’t make. then the next day went to the bank and Us bank kept my money I work 70 miles from my home had no gas to get home US bank said they would be nice and give me only 20.00 of the 154.00 that they stold from me. I have never been treated so rotten by a bank. they are alousy bank wouldn’t recommend them to no one. Think all of us that are being screwed by Us bank we should get together and file a lawsuit. Like Margie I get the run around on the phone and told oh you have to go to the bank you opened your account to take care of something never had to do that at another bank. Oh Yeah US BANK SUCKS BIG TIME
michele
of Ohio
cocacolalady111@aol.com
The same thing happened to us. We had a home equity line of credit, we wanted to pay it off but the only way to ever hear from USBank is just stop paying them!
No one knows what you owe or how to pay it off. My lender tried calling them they said fax a request to this number. He said he had done so, they said wait 3-5 days he said he had done so was there anyway to call the people who worked the faxes? No they said those people don’t have a phone!
Too bad we no longer have a government. These people need to be investigated and audited because more likely than not they are stealing millions! IMHO
Watch out for the robber barons at US Bank. The kings of incompetence have come up with a scheme like no other:
1. Purchases made on your US bank debit card are not automatically taken from your account so according to the local branch manager you can charge or take money out of an ATM up to $400 over what you have in the account. (They will gladly take the $30 per occurance charge).
2. When multiple items come in they clear largest to smallest that way you have a greater chance of overdraft. I had two bankcard charges of $8 and 17 dollars they should have come out of the account but no they wait until that evening a $60 check came in and since my deposit of that day did not post (they hold those in search of more bounce fees) the check came up insufficient and the two smaller items that would have cleared brought in another $60 in overdraft fees for the thieves of USBank.
3. Saturday my wife went to the local branch to see if we could recover any of these ill gotten fees she had to wait behind two other suckers…er customers of USBank thievery. One woman had lost $300 to this bunch and the branch manager had the audacity to ask the crying woman if she was going shopping that day! Anyways my wife asked how much money needed to be deposited to bring the account even we were told $138.00 so she deposited a check and that should have been that. Noooo not at USBank they called after the lobby closed to let us know we would probably be hit with a $7 negative balance fee because only the first $100 would be credited to the account they take longer to credit checks so that would leave the negative $38!
Dave,
Let’s see… I took out more money than I put in, (or before it cleared) and they charged me the amount they said they would charge if I did it…CROOKS!!!
They should allow me (Dave and his wife) to use the stock-holders money for free!!! They should know that I am a responsible honest guy…I mean, would someone take more money out than they put in (or had cleared) f they were irresponsible (possible criminal activity)??? Why should they wait for funds to clear. Those state and federal regulations to stop kiting (criminal check scams)are rediculous. Just give me money… gees! What a bunch of jerks !!!
Say Dave, I underbudgeted my recent purchase at Lowe’s for a rehab I’m doing. Could I use some money out of your wallet for free for a few days or so? I mean, you are all into covering someone elses lack of budgeting for free right???
I have been battling with them on and off several times regarding bogus overdraft fees on checks that clearly had enough money in there to clear. They would take a check that had more of an amount on it that came in the next and apply it to the day before, thus overdrafting several checks, and causing a loop, but when my direct deposit came in on the same day they couldn’t count that. I tried several times to talk with someone and then I started e-mailing them. I let them know what happened and the only response I get is that I know what their policies are. Right now I am fighing them on some charges for overdrafts that occurred because of what they did, as well as a $7.00 a day charge for having my account in a negative balance. I let them know that I will take some responsibility for this, but that they need to take some as well for starting the loop. They refused this offer. They refused to close my account or freeze it until we get this resolved, but then in a later e-mail I was told my account would be closed in approx 2 weeks if I didn’t bring my account up out of arrears. I asked them to just close it now, but they said they can’t. This is frustrating because I refuse to pay the charges that have amounted quite high just on the $7.00 a day alone.
Well, here I am joining the ranks! Yep, US Bank has done it once again. They have …so far… Bent me to the tune of $411. I tried to have an unauthorized withdrawal stopped on my account. I gave US Bank ample time to stop it before this company pulled the money from my account. All US Bank told me was that if I didn’t know how much they were going to steal from me, they couldn’t stop it. HA!! I was told to wait and then I could have it removed. On the DAY the amount was removed, I had another bill I had to pay and HELLO!!! It’s Christmas So I had to pull out money for Presents for my husband and my son, I was down to $50 in my account. I checked my account the next day and the withdrawal had been made on my account. They pulled out $211.06 and US Bank let them overdraw my account AS A “COURTESY” TO ME! Then in what US Bank must also view as a courtesy THEY pull out $200 in OverDraft charges! Thanks US BANK! Then as if they weren’t wonderful enough, I and a friend of mine, who had worked for banks for 20 years, called the Corporate offices and the Regional VP and we got, “Oh, I am sorry that was a Paper charge and not an ACH debit. We can’t reverse that.”, “It’s already been withdrawn. We can’t take it back.”, “No ma’am, if it had been $2000 we would not have withdrawn it because that would be over your alotted amount, but as a courtesy to you we allowed them to withdraw (Screw you for) the amount.”
I have shut down my account. US Bank is supposedly working on a review to see if the charges were authorized (Though I informed them that they were not) and this will take a minimum of 45 days. However, the company who pulled out MY money from US bank was a large company (with a lot of money which makes them right) and I have only banked with US Bank for 5 years (Which makes me stupid) which counts for nothing. They have no customer loyalty and they only hold your money so they may hand it out as THEY see fit.
US Bank ripped me off too! $900 in NSF fees when they turned off my ATM card due to “suspected fraud”. I explained to the branch manger that because I am a single mom, with three kids, going to Nursing school 8 hours a day, and working 8 hours per evening, I could not get into the branch to make my deposit. My banking is only done at the ATM. She suggested I enroll in direct deposit. HA-HA, I may be gullible, but not stupid. Now, I’m filing bankruptcy (not because of them but because of my ex) and they’re listed in the bankruptcy. Who has the last laugh now!!!!!!!!!!
Hi Everyone, Maybe someone can give me some suggestions for these rats at us bank. I have worked extremely hard to build up a good credit rating. I was widowed 2.5 years ago at age 46 with no credit. Since then I have been able to buy a house and a car. I was in a car accident and my car was totalled. Unfortunally the car loan with US Bank. My insurance was with State Farm. State Farm made a pay off to US Bank within ten days. Two months after the accident I receive a phone call from US Bank wondering why I was late on my payment. I was a litte confused to say the least, because I knew they had been paid off. I got State Farm one the phone, did a 3-way conference to verify the correct address, verything was in order. In the meantime, US Bank now has taken it upon themselves to turn me in to the credit bureau. So now I have a bad rating which I have worked very to get a 724 FICO score. They are also unwilling to correct this damage done. My question is why wouldn’t they call me before reporting me. I have never made a late payment.
I would contact the credit reporting agencies. Inform them of the error. Unless US Bank has proof that the fault was yours, the credit agencies should repair the mistake. (That’s been my personal experience.)
If you live in the western US, you can now get free copies of your credit reports from Equifax, Experian and TransUnion. Just go to http://www.annualcreditreport.com/ (they don’t accept redirects, so you’ll need to paste the link into your browser). Elsewhere in the US, this service will become available later in the year. If you don’t want to wait, you can purchase a credit report from the individual companies.
Look at the reports, and see which of them has the erroneous report. Then use the contact information on that company’s website to report the problem. (Experian fixed the mistake on mine in just a week or two!)
Me too!
They hijacked my 1 month paycheck on Valentines weekend because of a “fraud alert”. I have never commited anything like that. At this point they have charged me with $200 in overdraft fees since not releaseing my funds and I have submitted a complaint at the BBB. I have contacted multiple people from assistant to district managers, and no one has returned my calls. Hope this turns out all right.
No matter what I will close my account.
-Larry-
Dave,
thanks for this great service. I am a recent victim of US Bank’s corporate thugs stealing my money. I am a strugling student, and cut it pretty close sometimes. This doesn’t work well with US Bank.
Friday evening a week ago I deposited my paycheck at the US Bank ATM. The check I deposited was also a US Bank check since my employer uses US Bank. Checks I had written that there were funds in my account to cover arrived at US Bank during business hours that same Friday. I also made a cash withdrawal at the time of my deposit, which I had the funds at that time to cover. That Saturday I made a purchase. My purchase was more than the funds I had in my account, but not more that the check I deposited. Monday I checked my account online and everything had cleared and my deposits had posted.
At no point did US Bank’s own record show a negative balance. Wednesday I checked my account and there were 3 $33.00 bounced check charges. The $20.00 cash withdrawal that there were funds in the bank to cover also bounced. I called customer service, got nowhere, and blew my top. Thursday I checked my account and 2 more checks, (one to the March of Dimes for $6.00), had bounced, with 2 more fee’s, and for the first time a negative balance due to the fee’s. I called and made an appointment with my branch President. (I haven’t been inside a bank for over 2 years, but was told I had to go to the branch where I opened my account. I opened my account 11 years ago when I was 16, in my hometown. That branch has changed names 4 times.) Anyway, I left work early, and fought Friday night traffic out to the suburbs. I spoke with the bank President for over an hour. She did refund $100.00, leaving the fee’s at $98.00. I told the President if she wanted to keep my business she needed to remove all of the charges, she could have cared less.
Ironically, last month I was charged a $33.00 fee. I bought my school books for over $800, I deposited CASH in the ATM about an hour after my purchase to cover the check I wrote. The check was received by US Bank electronically the next day, and the CASH wasn’t credited to my account until the following day. If US Bank handled the checks they received Friday a week ago the same way, nothing would have bounced.
I firmly believe that US Bank is out to get your money in any way possible. I am through doing business with them. I am considering suing US Bank in small claims court for the 3 remaing overdraft charges and the one for my school books in January. I have never sued anyone and am anxious about it. I would appreciate any feedback/suggestions. Only $132.00 remains in overdraft fee’s but I’m so pissed I want to sue them.
Thanks,
Dave
St.Louis, MO (Dogtown)
I just went in business for myself and formed a legitimate Ohio corporation. Having banked with US Bank as my personal banker, I trusted them with my business banking. MISTAKE!!! Just like you don’t date anybody you work with, don’t mix business with pleasure. I opened up a business checking account with them. Ten days later I received a call from the business account manager stating that my account would be closed in a few hours because an audit was taking place at the bank and the secretarial service I used to help form my corporation didn’t appear on my checking account. That agent clearly relinguished all responsibility as the incorporator of my company and turned them over to me in writing. The business account manager at US Bank gave me until the end of the day to get back to her with the issue resolved. I called her in the early afternoon, but she was in a meeting. She never returned my call. Just before the close of the business day, I sent a email explaining that there was no problem with me being the official Treasurer of my corporation and that I had documentation to prove it on request. Well, the email bounced back at me after sending it to the address on the business card she gave me. She couldn’t return my phone call. She gave me a bum email address on a US Bank business card. Did she have any problem finding time to close my account as threatened? Nope. She found all the time in the world for that. She gave me every bit of three hours to try to resolve this. Do you think I am going to have the account reopened and give them the pleasure of my future business? Certainly not. I can’t afford to trust my business and my reputation to such an irresponsible company as US Bank. They’re supposed to be setting examples as responsible professionals. Instead, I’m setting it for them.
To Dave in St. Louis, MO: Your hunch is absolutely correct that US Bank is out to dip their hands into your account any way possible to steal money. They did the same thing to me a couple of years ago. After blowing off steam just like you did with their customer service rep, I logged onto the Better Business Bureau’s website (http://www.bbb.com) and filed an official complaint. I used US Bank’s St. Paul, MN address instead of my branch’s address so that the BBB would route it to their office that is in the jurisdiction of US Bank’s corporate offices. A couple weeks later I had ALL my stolen money retored. At that time, US Bank had few complaints logged with the BBB. If all the complaints on this BLOG were also reported to the BBB, we could put a nasty dent in that company.
Hello fellow Americans. We are experiencing the tip off the iceberg with banks and our Fascist Government. US Bank charged my business account $45.00 for Analysis Fees. I made two deposit that month and wrote three checks. I have been screweed by every bank Since i was nineteen, I am 49. I have won at least seven class action lawsuits and recieved a check for one of $1.67! The attorneys settled and made millions. In addition the attorneys make a contract (in direct conflict of interest) tih large settlements against large companties
that makes them inelible to ever (or their partners) suit that company or its affiliates, etc. evetr again. Besides USBank, Commercial Bank of St.louis, Citizens Bank of ST.louis, I have BankOne, Household Bank, (MBNA the Gov’t protected) to yet file suit against. I don’t bounce checks. I have a bank account because another big business requires it, Manheim Auto Auctions (I am a used car dealer,licensed and Bonded) because they only pay me by check.
I would very much appreciate any info that leads me to a law firm that will engage these banks. Also if any others of you are seriously concerned about the banking industry in America, you are welcome to contact me at 1 866-559-1335. I am hoping to run for a state office, and am ready to engage both public officials and bank employees and stockholders through overt investigations. I have been collecting information for over twenty years on these institutions and their government partners. Every Presidency has been comprimised by these concerns. I am ex-Navy, a Veteran, a Christian, not a Bushite, a Fascist hater, an still adher to my oath to uphold the Constitution Of The United States and The Republic (the government which supreme power is held by the citizens). Lets use our legal right to petition our government for a redress of all our appropriate greivances and establish Democracy as our forefathers had thoughtfully prepared for us to acheive. Vote them out immediately. Vote them all out. And hold all replacements, including me, if I earn the trust of my fellow citizens accordingly, truely accountable for their public service and their actions as such. God Help Us. Ed B.
ppresident
Until tonight, I thought I was the only one with a problem with US bank at least that was according to their customer service person. I have been a victim of bank fraud and identity theft for over 9 months now and still unresolved due to the phone tag, line standing, branch visits, one on one, conference calls, promises after promises after promises, I’ve even had a fed ex tracking number given to me for the so called proof that they were handling my situation and here I am another week later and still nothing. Oh the tracking number is valid with fed ex, but, nothing has been shipped or received with that tracking number. I too am a single mother with 4 children and I even showed my bank branch how my ex-husband and one of their bank branch employees could be the ones who stole the money from me. In fact, ironically, my ex-husband is now the proud owner of a new car and has his passport to be moving out of the country soon. How ironic is that? The particular bank branch employee that I reported as possible suspect has ironically been fired, and I got sent to some supposed higher up in the banking system and ironically he has been unavailable to talk to me for the past 5 supposed days that my money was promised to be returned to me. I am now behind in my bills and no way to pay, ironically my ex-husband is also now claiming he is disabled and can’t pay child support……welcome to my world. I looked for this website in hopes of finding success stories of how people actually got through the US bank system, but, what I did find were others with similar situations and same treatment by the whole US bank system. I didn’t ask for a perfect life or a mansion on a hill, all I want is back what is rightfully mine.
All I have to say about U.S. Bank is I worked there and left by my own choice. Here is a brief list what determined my decision to untie my name from this corrupt institution -
- The Management would use friendship tactics to manipulate workers.
- The loan processing on 401(k) was, probably still is, shoddy.
- Institutional Trust and Custody reports to a variety of publications how much monetary traffic occurs during any given period; however their systems are not set up to give accurate accounts. So yep…they guess numbers both of Clients and Assets.
- Many of the Vice Presidents are not aware of this since their underlings don’t have the balls to come forward and identify the problems.
- Sometimes I had to handle Customer issues…and let me tell you…I couldn’t even get the right department 72% of the time, so don’t believe for a second you (the outside person) will get much help.
- If you do get the right department you’ll be met with greater odds of reaching an incompetent due to the lovely Equal Opportunity law which has been taken a bit too far at U.S. Bank.
“Let’s put people who don’t have a clue in jobs they hate and give the world a 5 Star guarantee ^^”
Please – Think before you bank at U.S. Bank…they may give a good show for public benefits. But they will always treat you and their employees like garbage to be used and disposed of.
I left before it could get to that point.
I believe that US Bank severely abuses customers. On May 31, 2002, a US Bank branch in Nashville, Tennessee issued a $61,000 check from our US Bank account to a non-owner and unauthorized party. After reporting the unauthorized withdrawal to US Bank, US Bank reacted by refusing service. When we attempted to hold US Bank accountable, US Bank then lied to the OCC, filed false statements in court and denied that we were customers. During court proceedings, US Bank failed to produce our banking records from the account. After two and a half years of denials and false statements, US Bank finally admitted negligence. Our deposits were not safe in US Bank. I no longer believe that any customer’s money is safe in US Bank. Since it happened to us, it could happen to anyone.
US BANK SUCKS!
Well where do I start. I just switched to a credit union because they have free checking and I MEAN FREE CHECKING US BANK!
3 times I have had someone steel my debit card number somehow, even though I do not give it out even online. One time I had $150.00 stolen from me and It took over a month for US BANK to get to it and then I found out they only credited half. I had to argue until I got my way. 1 week later I got a statement that said my acccount was overdrawn because of the $150.00 deduction. I charge my debit 8 times that week for things like gas. They charged me the largest over draft fees possible. $34 a piece. over $200 in overdraft fees they charged takeing the larges amount first so they were able to charge for all 6 drafts. I called them and they said our policy is stated in the handbook on page 32. I’m like what handbook, I never got one that had over 32 pages. I am a fairly conservative person and I believe that people should be honest and work for a living and not make excuses for their wrong doing. Here’s some of the things that I do not like about US BANK. They charge $0.25 everytime you use your debit card right away. And if you use it as a credit card you only get a few times a month before they start chargeing that too. If you take money out of a ATM you get the ATM fee where it is being taken out plus $0.25 from US BANK. OH ya and by the way I talked to a customer service person and they did say SORRY WE CAN”T HELP YOU. IT IS ALL EXPLAINED ON PAGE 32. Do not use your checking account to the exact dollar. IF you pay bills at different times They take the highest first and then go down the line. AFter they take their 0.25 cents out they overdraft you and start charging for $34 fro that $0.25 they took out. They also charge $5 a day fee each overdraft for everyday the overdraft is not paid. WORK checks do not show up in your balance the same day or checks from any other financial istitutions. They show up in 2 US Bank business days even though they are open on saturdays, they are not considered a US Bank business day.ALSO don’t expect them to geto your online banking up and running right away, well wait They never got mine up a running ever in 2 years I was a customer even when I asked them 3 times!
Bottom line. NOT A COMPLAINER, but US BANK SUCKS!!!!!!!11
Hello,
I have a serious complaint with US Bank and the short version of the story goes like this: I stayed at a hotel in MN for 1 week while in process of relocating for a job. The hotel accidentally charged me for an extra day which was really bad because I did not have enough left in my account to cover the extra day so US Bank assessed an additional $70 in overdraft fees plus the $66.86 that never should have been charged. OK, up to this point the blame lies with the hotel chain; however, the hotel chain immediately issued a refund for the error and a representative from US Bank told me that all I needed to do was go down to hotel or arrange conference call with someone from the hotel and the bank and they’d be able to reverse all the charges. In an effort to be thorough, I drove down to the hotel and we called the bank from the front desk as I had been instructed to. Now the story changed, US Bank said that they could not resolve the issue until the refund was posted to my account which could take up to 48 hours according to the manager. Here it was Fri. Dec. 22nd 2006 and I was trying to get everything straightened out so that we could be with our family in Duluth over the holidays so I asked the manager if they could at least reverse the overdraft charges pending the refund posting to my account so that I could put gas in car to be with family for X-mas and he said that because my account was only 4 months he could not do that for me. I continued to beg and plead with no success. Needless to say, it is now Dec. 26th, we missed christmas with the family and if the refund doesn’t post tomorrow I will not be able to go to work… The worst customer service I’ve ever experienced in my life without a doubt. It’s amazing to me that when you make a withdrawal or an authorization is made against your account the funds are gone immediately within seconds, but when an error is made and a refund is issued it takes several days to see your money. Bah humbug US Bank.
← Previous Comments