Complain about a product or service

US Bank

Alice of Boise, ID March 24, 2007

Consistently charged overdraft fees for an account that was positive, which in turn causes enormous amounts of returned checks, etc. I closed one account after over 2,000.00 in fees thinking that maybe I could get control of the account. Second account has been opened for two months and 7 days and has charged me over 1200.00 in bogus fees. The only reason my account ever went into a negative is because of the bogus fees.

Not only has this hurt my finances including my power turned off, almost being evicted, but my entire bonus and almost 1/3 of my pay has gone to bogus fees.

Tara of New Carlisle, OH March 24, 2007

For the past year I have been beating myself up thinking that I was just a horrible banker. Whenever there was something I didn't think was right on my statement I called and asked a Customer Service Rep (or went into my local branch). I have been charged fees upon fees. I always left more confused. This past Tuesday, I deposited 2,000.00. I had 53.00 and like always the teller said the first 100.00 was put in the account and the rest would be available Thursday.

Today I looked at my online statement and noticed that my account was minus 145.00! Customer service said that my entire check was held for at least 7 days and sent to the fraud department. I don't understand why it was sent to the fraud department and frankly feel like I should have been contacted. As a result, any transactions I had Friday and Saturday are going to be over drafted. (There are 6 of them)

Furthermore while making the same transaction I asked for two 10.00 money orders. They wanted to charge me, a customer of the bank for two years, 5.00 for each one. I went next door and got two money orders for 1.16.

Chris of Olathe, KS March 20, 2007

They use their Available Funds policy to rip off their customers with overdraft fees. It seems that every time I even use my debit card for a small purchase I end up getting charged over 100.00 in fees. Recently they added the credit advance feature to my online account. I advanced some money to pay a bill which was paid the same day as I advanced the money. I then had a check deposited the day after.

They automatically took the entire amount of the check I deposited to pay back my advanced money and proceeded to empty my account before the above payment cleared and therefore charged me overdraft fees for that payment and then the famous negative balance fee of 7.00 per day until I could afford to pay back what they had charged me.

They also make sure to take out all charges from largest to smallest first and then do their deposits afterwards. This way if the largest one happens to overdraw the account before they do the pending deposits they can charge you 30.00 for each of your little 1-5 transactions as well and then they have your paycheck sitting there waiting to be deposited so that they can just deduct the few hundred dollars they charged you for the usually about 50 worth of actual transactions. This bank is a joke.

Josh of Columbus, OH February 25, 2007

I opened my account with the bank in early February. On Thursday Feb. 15th I deposited a check (over 550) into the bank account from Time Warner Cable; paycheck. On Monday, after confirming the check cleared, I did my daily transactions as normal. It was brought to my attention on Wednesday the 21st of February that my account had an issue; a debit trans. was denied, so I called in to inquire. I was told by the branch manager that their bank has a policy of holding any check for the first thirty days of account activity for an extra five days after clearing.

The problem is, when I opened the account, I was never provided any information regarding this. In fact, the CSR that opened my account told me that she did not have any account packets on hand at the time; therefore I was never informed about this policy or its effects.

The consequences of this are that I have been charged six (6) 31.00 overdraft charges totaling 186.00. I have also been charged a 31.00 check return fee. As a consequence of this, the returned check was not paid and I will be assessed a charge by the company the check was written to.

Rosita of Chandler, AZ November 18, 2006

On November 11th, 2006 I deposited a check into my US Bank account through the atm. Thinking that my check would be posted (it was only for 82) I proceeded to use my bank card. When I got paid on the 17th I noticed more than half my paycheck was missing (637 worth). Just to let you know I am a single mom with 3 boys and I work hard to put a roof over their heads and food in their stomachs. 637 is enough for us to go hungery. Plus it's a week before Thanksgiving. When I learned of this I went to the bank and asked what was going on.

Well since I put the check in on a weekend, Veterens Day weekend at that my check didn't post till Tuesday resulting in 19 overdraft fees at 35 each. They basicly told me too bad and felt they were cold and inhumane. I then called customer service and was told the same thing and once again they DID NOT care that my kids would go without a food or a Thanksgiving meal. I put the money in the bank fully thinking it was in my account, it's not like I was out there writting bad checks or spending money I did not have. In all reality the money was in the bank and you would think they would do something to help me. This morning I had to apply for emergency assistance so I could try to feed my kids on Thanksgiving. If I don't get that then there will be no Thanksgiving in my home.

Rebecca of West Hills, CA September 4, 2006

They can not send my credit card statement in a timely fashion. My statement end on the 17th of the month and I receive it at my house 1 day before it is due causeing my to have a late fee. They claim they mail these in plenty of time. Usually within two weeks but there is no way it take to weeks for mail to get across the country. This has happend to me 3 times now. I don't think I should be punished for there mistake. They are also good at blaming someone else i.e. the post office or me. I always pay my bills on time and in full so I feel this is an unfair way to conduct business.

They are a HORRIBLE credit card company and after my next statement I will be cancelling my card. They also have HORRIBLE customer service. They are doing this just to reap the benefits of people having to pay a late fee. Especially since I pay in full and they make no money off of me. This is a game and I am SICK of it and I belive something should be done. This is not the correct way to conduct a business.

Mike of Aurora, CO September 2, 2006

I was recently denied a checking account with my local credit union. The ChexSystems report stated that someone had opened a checking account with US Bank using my social security number and a different name. US Bank had closed the account due to account abuse and reported the debt to ChexSystems. I called the US Bank fraud help line and they were little help. They told me that I'd have to visit a local branch to prove my identity, but I would have to wait two days before they could fax the paperwork to the branch.

I contacted my local police department. The responding officer refused to take a report because he said it sounded like a bank error, rather than identity theft and wanted me to verify the information with the bank. Unfortunately, without a police report I could not get any information. I called a local US Bank and was transferred to Jim Cook, the Branch Manager. I asked him how this could possibly happen and whether or not they actually compare social security addresses with names. The Branch Manager stated that US Bank does not ask to see a person's social security card unless that number has a history of account abuse (such as bounced checks). They do not check to see if the name and social security numbers match.

When asked if he would consider changing the policy regarding unmatched names and numbers, Mr. Cook stated that his institution would not change the rules unless forced to do so by federal law. The next day I tried to arrive to Mr. Cook's bank to pick up the ID paperwork and watched him lock the doors five minutes before closing. I was completely frustrated. I called the branch manager, Morgan, where the account was opened and asked if there was the possibility that it was a bank error. I explained that the police officer needed to know before he would take the report. Morgan assured us that it could not possibly be a bank error. Well, I finally did get the officer to take the police report. I paid for a copy and learned that the bank had indeed made an error - the man's social security number was just one digit from mine! It was not ID theft but a clerical error!

The bank still says that they will not fix the problem until I mail a certified and notarized affidavit of ID theft and provide copies of my social security card and driver's license. I'm frustrated. I don't want to accuse a man of a crime he did not commit: I just want US Bank to fix their records. They know his SSN# now (it is part of the police report) and should be able to fix their mistake without costing me any more time and money.

At this time, I cannot open a checking account. I placed a fraud alert on my credit reports. This is an inconvenience and makes it difficult for me to obtain credit. I spent several hours on the phone with US Bank representatives (some of them were downright condescending); credit reporting agencies and checking account reporting agencies. The financial costs have been minimal (less than 200 so far), this amount includes postage, gas, report fees and time away from job.

Julie of Blaine, MN August 30, 2006

I received a 'special offer' with my current bill to accelerate my mortgage with biweekly payments. After reading the fine print I discover I was agreeing to have US Bank & any affiliates draft an additional payment of 295.00 to 'start' the plan. I also was agreeing to a monthly service charge of 5.42. To clarify these charges I called the phone number given on the paper...which was 1-800-458-1564... During this first conversation with a customer service rep I asked if it was possible to waive the 295.00 charge and she said that was up to US BANK and asked me if I would like to be transferred. She said it was up to the company advertising the deal on the paperwork. When I read the exact words back to her that stated US BANK would draft this amount...she placed blame on the other company and said I didn't understand.

At this point I asked US BANK if I could pay bi-weekly or bi-monthly and could they help set me up? She told me the only program was thru this solicitation. I requested a supervisor from US BANK and ended up having a three way conference call with the affiliated company but the US BANK rep hung up. I explained the issue for the third time and was quickly realizing this was a scam with a 295.00 service charge. I talked with a Dora S at the affiliated company and she refused to direct me to her supervisor, give a name or phone # saying she had left the building.

Lyonel L Geary of Somerville, OH July 20, 2006

I found that US Bank debits checking accounts by deducting the highest amounts first regardless of when the debit was made. I made some small purchases such as groceries and gas. At the time of the purchase there was plenty in the account to cover. A few days later a large ACH was drawn. All charges reached the bank at the same time. Because there were insufficient funds to cover the ACH and because US Bank debits the highest first regardless of when the charge was created, rather than one overdraft charge for the ACH, I had six 35 charges. When I complained, the bank tried to get me to get another credit card or open a home equity loan account. This is an unnecessary and sneaky way to make more money. I have no control or idea when debit card purchases will appear at the bank.

Stephanie of Bloomfield, MO March 19, 2006

I am a Girl Scout leader. Our troop had 730.00 in our account, but when I opened our statement one month, it said we had 4.00! I knew there had not been any activity with that account for several months, so was quite shocked. When I called and spoke to the manager (Marilyn something?), she said that another troop leader had drawn out all of her troop's money, and then overdrawn that account by 726.00.

It was too much of an effort to pursue her, so they took the money out of our account, since we were tied on by the same sales tax number. That leader's name had never been on our account. The woman at the bank explained that it would be like a parent/child bank account, and if the child overdraws, the parent's account is raided to make up for it. They would not fix this for us, and made the Girl Scout office fix the problem instead.

We got our money back around 1 year later, but the bank never did anything to fix their end of the problem. The bank also seemed unable to keep the GS accounts straight. They sent troop statements to the wrong leaders, even after we kept calling them and asking them to straighten this out.

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