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DO NOT OPEN ANY KIND OF ACCOUT WITH US BANK, YOU’LL REGRET IT!
7-29-24 - OK, today it was 3.25 hours.
You know when they say “writing a journal about your griefs, will help you relieve the trauma”…..well, here I go, you are going to see my journal.
I’ll start by saying that my writings will be reflecting similar experiences that I have had, for 15 years with US Bank (now referred to as them).
Today it was 3.25 hours of nothing but frustration, and a waste of my time.
For four weeks I’ve tried to submit application for financial assistance form. Because my interest rate on my equity loan doubled six months ago and due to them not letting me “fix” my rate (for years and years I tried).
When I called the Loss Mitigation Dept. (who I was previously told to reach out for application status), then they transferred me to talk with the Home Equity Dept, who transferred me to the Hardship Dept. who then transferred me to the Special Point of Contact Dept, then, after 45 minutes on hold, told me that I am being transferred to the ‘Collections Dept.”, another 45 minutes to find out that I am not in collections, and then I was transferred back to my original department, to the Loss Mitigation Dept. Yes, the transferring all around, with no accountability from the employees doing this, so very frustrating.
I registered with a scam broker and was tricked into putting in money, they also attempted to take money from my card without my consent.I had to hire a solution professional to recover my money. HARVEYDONALD192@ g mail.come.
HORRIBLE Bank! They have burned us over and over and over. The lates one is that we went in to move our money when they were closing the branch in our city. In order to keep us there they promised us a 4.5 interest rate so we set up 3 new accounts with over $75,000 to get the good interest rate. It immediately started dropping a little at a time, but today when I got half the interest I expected I realized they had dropped from 4.2 down to 1.98. I called and was told that for accounts opened when I opened my account they could do an exception and get it back up to 4.25, but I have to go in to my local bank (which, of course, I don't have anymore!). When I contacted the bank nearest me he came back with the answer that if we put $10,000 MORE into each of our money market accounts then they will honor the exception. At this point we already have $115,000 in there-- and they won't honor it unless we put MORE!?! 'L NO!! I just withdrew all but $10 and put it with my other money making 4.4 interest. As soon as the weekend is over I will be looking for a new bank. US Bank has been horrid for YEARS! I can't believe I've stayed with them this long~
I had bad experiences with US BANK, they promised to give bonus if I spend 1000 in 3 months after account opening.
I tried hard to spend that much...but they lie, Lie every time I call...round and round...after 5 months they steal my money 200 bucks.
They are very CUNNING! SNAKE! STEALING YOUR MONEY
The 2nd day of February my debit card is declined. I called the 800# and they said your accounts are being closed, you will receive a check for the balance of your accounts. That was it they wouldn’t tell me why the accounts (4) were being closed but that a letter would be mailed. The letter that came didn’t say anything either. Mind you, all of my money was in those accounts, they wouldn’t let me have access to them. I couldn’t pay my bills. I called and called, each time getting the run around when I would get my money because they did this to me, they’ve ruined my life, it’s almost three months now and they are refusing to close the account oh yes, but will not give me my money. Thanks so much US bank, you took away my life, cant explain why and still wont give me my money. I talk to a lawyer on Monday if anyway sees this and knows a good lawyer please let me know. Do not bank here!
Update: US bank is now saying I do not nor have I ever had an account with them. So, now I actually have to sue the bank to get my money back. This is just wild.
Update: I talk to 18 different people across the US banking system today. I went ahead and filed a police report as they have technically stolen my money whomever wants to laugh at that can but they took it and won’t give it back. When I told the branch manager this today, all of the sudden she was able to contact the district manager and this whole things is over the money being deposited into my account….. they need proof that it was from my business which is easy to provide. I’m about to lose my car, I’m about to be evicted all because of US bank. Im going to see what the police say, I hope I can find a lawyer that will take them for everything they’re worth and shut this bank down. If I am able to sue to them for millions or billions I will make sure this “bank” never has an opportunity to take away someone’s life again just for the he of it. Please, do not put your money here!
Update: police cant do anything, good to know and lucky for Yolanda, the bank “manager” that can't do anything. Although, I did come across information, not from me and from an unnamed source that they are opening accounts at least at this location without properly identifying individuals. There are hundreds of thousands of dollars of cash deposits from unknown sources. I have subbmittd a tip to the appropriate agencies. This place is a rabbit hole, I'm interested to find out what else I uncover. This is a great example of what can go wrong when highly underqualified individuals are in charge of adulting.
Worst bank EVER!!! Every year they purchase insurance on my behalf and deduct THOUSANDS of $$$$ from my escrow account when I already have insurance and I have to get through to a person on the phone then get transferred around multiple times! HATE HATE HATE this bank!!!!!
I tried to deposit a check from my friend who signed and leave blank of payto since he just knows my nickname. He lets me to fill up. I just did and I was surprisingly told by banker Tamara at Ballard branch at Seattle. She first accepted my deposit and then said what I did is illegal to write on Payee. I disagree on what she said on legality; then she rejects my deposit. I feel I am served by a banker who feels owning the bank, so she could frame me anyway she wants. It is easy to say this is illegal without knowing actual law quotation. I thought this is an individual case, but while I call 1-800 number, The another US employee explained that this is a forgery if the writing is different. Personally, I think they could hold my deposit till all fund are completed; by then everyone is happy. My friend and I are mutual understanding the consequence of doing this way. I just deposit to my checking account and I should pay any penalty if the transaction Is failed. Why a banker stands in middle and reject my deposit? I feel my right is over crossed.
3/6/2024 I just spoke to Brittany from US Bank Corporate Escalation team and she confirmed Regulation E was broken due to their system error. She offered me small compensation and I countered. This is so unacceptable for big banks to take advantage of consumers and especially disabled veterans. The Federal Government put these regulations in place to protect consumers?
My name is Christopher a US Marine disable combat veteran. I am being taken advantage by US Bancorp and several banking federal regulations have been broken. My son Sebastian went to the local gym and lost his wallet. When Sebastian realized, he also saw 2 unauthorized transactions from Circle K. Sebastian and my wife called US Bank on Monday February 5th. The bank representative refused to open a claim for the unauthorized pending transactions. Regardless if the transactions are pending, the available balance is reflecting the unauthorized charges therefore Reg E kicks in to protect the consumer. Once the consumer is effected Reg E kicks in. This is why the big banks Chase and Bank of America changed there process to protect there clients. US Bank has failed to protect there client. After I realized my son was denied to open a claim which is all on a recorded line, please review the call. I called and opened a claim on February 9th. Per Reg E Provisonal/Temp credit or claim resolution should be completed by day 10. Its March 4th and I just received my provisional credit this afternoon. Provisional credit was given and verfired on day 15 which is a clear Reg E error. US Bank made another HUGE ERROR. They unjustly and falsely DENIED my claim without a adequate investigation. Per Reg E a adequate investigation is required to review the unauthorized charges I am reporting. I wrote US Bank February 26th to escalate and inquire about my claim. I did get a confirmation of my email. I was expecting a 24hr to 48 hr response. I have received no response or resolution. Then I see the letter of US Bank accidently denying my claim. I called and the representative agreed and fixed the issue. The representative agreed that Reg E was broken several times in this claim process which is all on a recorded line. My concerns are the facts here. US Bancorp failed to initiate a claim when a client called in to report fraud. I have not been paid provisional/temp credit in the day 10 time frame. US Bancorp fails to perform a adequate investigation to see the Fraud. They made a bank error and accidentally denied my claim. Us Bank was given several times to correct but still has yet to fix, breaking all federal time frames. Now my son is finding hardship due to not being able to make his payments which now UDAPP is affected and kicks in. These banks take advantage of there clients and fail to protect them from these federal regulations. Once you review my case you will clearly see Regulation E was broken here on several occasions. I was given false information on almost every call which you will hear. No one in the call center understands Reg E which is a huge concern. Clients needs to be protected.
My concerns are the facts here.
1. US Bancorp failed to initiate a claim when a client called in to report fraud.
2. I have not been paid provisional/temp credit in the day 10 time frame. I was given provisional/temp on day 15 and US Bank confirmed Regulation E break.
3. US Bancorp fails to perform a adequate investigation to see the Fraud. They made a bank error and accidentally denied my claim.
4. Us Bank was given several times to correct but just called me today and confirmed Regulation E break on their part.
5. Now my son is finding hardship due to not being able to make his payments which now UDAPP is effected and kicks in.
Once you review my case you will clearly see Regulation E was broken here on several occasion
Please look into this complaint? Please Help!
Thank you
Chris
Simply because of an one-time check returned for insufficient funds, without any withdraw, caused by another bank's mistake, U.S Bank knowingly violated the law Regulation CC and the Deposit Account Agreement to withhold all my money for 43 days, no matter how I begged it to stop or demanded the money; and sat back to watch me suffering extreme financial hardship because of its withholding money, emotional distress caused by the financial hardship, and physical sickness resulted from the emotional distress until the Consumer Financial Protection Bureau stepped in to stop its behavior.
I filed a lawsuit to seek damages. In order to cover up the bank's misconduct, U.S Bank's Vice President Ms. Jannette Duenas knowingly made false statements under oath. On December. 26, 2019, Ms. Duenas filed an affidavit and swore under oath to make up a story that “someone had tried to fraudulently transfer funds into Plaintiff’s checking account and U.S Bank put a hold on the account to investigate that potential fraud”; and on March 25, 2022, during the trial, Ms. Duenas made up a different story under oath that the bank put a hold on the account to investigate a “Check Kiting”. The Illinois trial court found the perjury by U.S Bank's Vice President Ms. Jannette Duenas, ruled U.S Bank violated the law Regulation CC, and awarded the maximum civil penalty of $1000 (Case No. 20191013640).
U.S Bank also violated the Illinois Personal Information Act to disseminate my sealed medical records to the public.
Please stay away from this bank, US BANK is the worst bank I have ever dealt with. I opened a business account less than 2 weeks and nothing but issues, I wire some money there and they put a hold on the account for closure, and they will hold my money for up to 120 days. This is hurting my business, and you have nobody to talk to, I called 3 times and customer service will not even pass it to the supervisor or manager.
I opened a business checking account because they were offering a bonus. My experience with them has been nothing but Aweful. Terrible customer service, rude employees and once I decided to close my account with them, it was a LONG PROCESS. Will never bank with them. They seriously need to improve their customer service and need to train their employees better. Every time I called about a situation, I heard different answers. No consistency in answers.
Opening an account with US Bank was the worst decision I've ever made with banking. I had the account for a week. I was already weary of opening an account because of all the bad reviews I've read, and was told from personal experience, so I only put $100 into the new account. I get my debit card mailed to me via UPS a couple days later, set up the debit card with online banking, and then changed over my direct deposit. The very next day after doing all that, I can no longer access my funds and I had to send address verification, the same address they shipped my debit card to, to their Deposit Operations email. Which takes 2 business days to even be reviewed. I couldn't transfer the funds out nor could I use the debit card. Customer service was absolutely no help. I've never opened, and subsequently closed an account so fast. I changed my direct deposit back to my original account, and I'm willing to lose the petty cash I put in the account to never use their banking services again and be able to post an honest review. I got a red flag from this bank the first week I used it. If you're looking for a checking and savings account, don't open a US Bank account, any other bank will service your needs better, and you won't have to deal with what I've had to deal with with my own money. Being declined on a petty purchase, and then being told I have to submit documentation, and I couldn't access my funds is alarming. I'm glad this happened before I received pay from work and was able to take my services back to a reliable source. Do better, and choose better banking besides this.
Avoid US Bank. I opened a CD with them and they made an error causing Federal Withholding to be removed from the interest earned. I received paperwork to stop this from happening and to reverse the funds withheld seven months ago. Nothing happened. When I call customer service they explain they cannot get into the branch bank systems and I have to deal with the employees at the branch. Unfortunately, after 4 visits to the branch, they continue have accomplished nothing and blame their corporate offices and the IRS.
I have dealt with Romel and Christianna and they have been of no help, to the point of telling me the branch manager, Sylvia, has been dealing with this issue and has been in touch with me. I have never spoken with Sylvia. I have made two calls to the district manager, Ryan Hall, and have not had the courtesy of a return call.
This has been going on for well over 7 months and these employees admit they made an error but either won't correct it or have no idea how to correct it.
There are a lot of banks you can do business with, and be very careful before you choose US Bank.
I am ashamed to have ever worked for this immoral, unethical and disgusting organization. I still lose sleep knowing some of unethical and illegal actions of coworkers, having reported ethical complaints on numerous occasions. Yet, they would still promote some of the worst offenders due to their loan and revenue production. I had a district manager who would always state that "Boiler Room" was her favorite movie (this was a common icebreaker question for banker and branch manager meetings). The movie is about a criminal investment ring. Sadly, her current position is VP/Sr. Project Manager for Wealth Management. She promoted some real scumbags and took great pride in the NSF fees. We were supposed to have an anonymous ethics line for employees to call when they had concerns. It never mattered, they would always dig and find out who reported the blatantly unethical behavior. No surprise, they hired above me and promoted through me, but I'm sure that's just coincidence, right? I am not sure if they still tell the lie that they are the most ethical bank but shortly after working there I found out about heavy fines paid for the bank not taking Anti-Money Laundering seriously and "operating on the cheap", basically stating they were trying to save money by not hiring enough to monitor their own transactions. They would claim the moral high ground when Wells Fargo got into a ton of trouble for opening fake accounts and it runs out they have been busted for the same thing. Due to the theft of my information at another bank, like a fool, I opened an account with them a few months ago. I was aware that funds would be held if i deposited a check within 30 days of opening the account, so I didn't. Then, I deposited one check, no where near the 5k Reg CC threshold and they put on the maximum hold possible. Even though I could prove, without a shadow of a doubt that the check would clear, still maximum hold allowable by law. The check was from a family member, with the same address on the check as my ID, cleared the other bank within a couple days and I even asked if I could have the writer of the check come in, call the other bank and make it painfully obvious for them. The branch manager was a complete jerk, treating me as though I was trying to scam the bank. Funny how slimeballs always act like you're the criminal. Bottom line, every dirty thing you suspect is likely true. They will smile while screwing you over and call it great service. I could write a book on the crap that happened there. I guess I was just hoping I was dealing with a few bad apples but the whole bushel is rotten!
I have had accounts at many banks in the past and currently have accounts at six banks and multiple accounts with an investment company. I can honestly say that US Bank is the worst I have ever experienced. I suspected it wasn't going to be great when they flooded my mailbox with conversion information that was 99% not applicable to me or my accounts at Union Bank, and one of my accounts was converted from a free account to one that has high fees. It's just gone downhill from there. The customer service people aren't pleasant and most often can't answer my questions. Their online banking is archaic and they changed one payment from electronic to mailing a paper check on the same date that Union sent it electronically...so now my payment is late every month...and the list goes on. I had my account at Union since 1979 and hoped to keep it, but there is NO reason to do that now.
If you have other choices, pursue those. US Bancorp has nothing to offer consumers. Poor customer service, they will not give you your money, and many others had their accounts shut down for no good reason. If these terrible reviews don’t say anything to you, then nothing will.
In 2018, they were hit with over $613 million in penalties for being so irresponsible with suspicious transactions.
Then in 2022, they stole consumer data and made accounts to make themselves more money.
If any bank deserves to go completely out of business, it’s them.
So as of June 1, 2023, the account ending in 0131 is the recent account. more recently, transactions are not in the place they should be. I mobile deposited $250 on 6/27/2023 and also another personal check from another bank to my account. The first check cleared and I was in the green with the account balance. Then on 6/28/2023, all of my transactions are out of place. It is appearing to me that someone is doing something wrong and Going into the US Bank Branch locations, 2222 E Camelback Rd. I was mocked by the other tellers while I was in conversation with the US Branch Manager, Sam Miller. The Branch Manager was very rude. condescending, he was rushing me to get to the point and over talking me. The US Bank branch manager showed no customer service skills by listening or even showing interest in what I had to say; instead I was mocked ridiculed by the other tellers in the bank that particular day. Left with STILL no resolve. The US Bank Branch Manager was the last result of resolve as to the errors on my account. While in the branch I was never informed that another hold was placed on my account. All of this leads back to my money being taken by US Bank. What kind of world do we live into bank with these establishments JUST TO PAY THE BANK!!!!!
did not honor interest rates do not trust will update if resolved
I love love love this bank and all the employees.
They are committed to service and finding ways to help you. They are professional and have good expertise. Their teamwork is admirable, and the culture of the bank is supportive; they help each other solve problems for clients happily. I live close to them and go there a lot for all of my banking needs.
U.s bank makes the mafia and mexican cartels angels. They lie and steal with no repercussions.
Please do not do business of any kind with that corrupt organization. Close all of your accounts immediately!
AVOID USBank if you have money. If your broke or have money u like to do nothing with then maybe they will suffice. BIG WARNING: they shut down your account and treat you like a criminal if you invest money in stock and crypto. I had an account for 30yrs here until they shut it down. While they don't offer an exchange, they surely don't want you investing your money. They want it sitting there in their bank growing low interest or they will come after you. I had an account since I was 18. I'm 47 now and just trying to invest by buying stock/crypto. Well, they aren't having it. Reported me for money laundering/fraud and shut down my account. They told me I can only use robinhood for stocks. Who r they to dictate?. Well they can do anything they want bc they shut down my account for no reason. Maybe I voted wrong in the election. All they can say is they don't want my business anymore bc I invest with cashapp/tdameritrade. Must be partners with robinhood or get a kickback.
This is the worst bank I l dealt in my life. Opened a business account with promotion. Problems all the way: the bank had no idea about the appointment I scheduled on line and made me wait very long time, the brach established user and password without informing me, I am not able to access account on line because of that. The pin sent by mailed turned to be wrong one. Not able to use my debit card. The phone line cuts off when trying to reach customer service, phone rep not able to help with anything, not even getting new pin. Phone reps have no training. Total waste of time. This bank is nightmare. On the top of it never received my promotion. They said the account was not opened correctly. Employees of the bank have no idea what they are doing.
I had banked with U.S. bank for 7 years. My account was regularly overdrafted after lockdown lifted from covid. I always paid the fees. I was paid with bad checks, the checks were returned, they froze my account for over a month! My social security check went into that account and they refused to let me touch anything in my savings or checking and marked my account as pending closure. They said after the funds were verified in my account they would close it due to unusual activity. They never would of told me had I not called. They said after the account is closed they will mail me a cashier's check for what was in the account. It's been a month now and I can't reach my money, the account is still not closed and I'm about to be homeless with 4 kids, and all anyone can tell me is sorry. It shouldn't be longer than 6 months! How am I supposed to live US bank? They are dirty thieves
I banked with US Bank for over 15 years. During 2020-2021 I experienced extreme financial hardship due to COVID-19 and working in the music industry. I overdraft on a regular basis just trying to stay afloat and survive the complete industry shut down. During that ONE year period, US Bank charged me over $5,600 in overdraft and NSF fees sometimes more than 6 in a single day. EVERY other major bank reduced or completely removed overdraft fees due to COVID during this time, and many made that policy permanent afterwards. Wells Fargo (for example) removed overdraft fees AND went back a year and refunded 100% of fees for any customers that requested and showed proof they were affected by COVID.
US Bank literally removed ONE fee the entire year. ONE.
I now have a new job in a different industry making 3x what I used to make. I switched banks, and out of ethical personal policy will NEVER do business with US Bank or any of their affiliates ever again. They took from me (and millions of other customers) while we were down, and at my worst. When THEY were down in 2008, they got a Tax payer funded bailout. F**** US Bank.
I hate this bank. I've never had so much trouble setting up a checking account and then not being able to use it once it is set up. I'm finally able to access MY money and my account gets suspended while trying to Zelle some money to my wife. After I finally got the Zelle to go through, I get a call from their fraud department asking me questions like, where did the check that I deposited come from, which bank, what was is for, what did I sell, where did I post it online. I finally stopped the guy and told him it was none of his business. I understand there is a lot of fraud out there but this company seams to cross the line. There are better options out there. I closed my acount and took my money back to Chase.
U. S bank wants to keeps holding my funds hostage, they are talking about its fraud protection however if I suspect fraud I would call them or if I could not find my card I would call them. What they are doing is suspicious and unsafe because I have to keep uploading a selfie and an i. D card, so what are they really doing with that info and what happens if somebody else gets a hold of that info. I have heard that the bank has connections to other countries so is that where the info is going? I feel unsafe using U. S bank because this is nothing to play around with and it is unsafe and I have never dealt with anything like that at any other bank I have had business with. Somebody will lose their job at U. S bank and regret ever trying to cause problems for no reason. I have heard of U. S bank stealing money from people even so tell me, who will investigate them for the REAL fraud.
I loved REI US BANK MC until today. I am OUT $107. Not in the habit of returning things but bought 2 heaters from
CHINA. Did not know it was CHINA until I got tracking info and are they are way smaller than they were depicted on line. One has defective plug and it falls off the wall. ( Wall plugs not cords) They are TOP HEAVY! Filed a complaint WITH US BANK ASKING FOR HELP! I was informed they wanted more info. I explained from the get go that I was giving them all the info I had. I can CREATE INFO! They informed me that the company gives 30% refund and keep the heaters. I asked the bank for help because I could not contact this company. Going on a trip to the dump this week with the heaters, I am out $107. I am a very loyal customer but they will not be receiving any more recommendations from me. I keep the card because of REI or it would be in the paper shredder. I was so happy and told everyone that they were going to help me out. Very disappointed! It's not like I make a habit of this!!! I stopped the complaint today. LIFE HAPPENS!
They are slow and can never keep up online banking and then issue overdraft fees like no ones buisness there machines 50/50 are not working as well as online issues. Direct deposits from work are a day or two later than all your comrads, as well as fees or returned money takes most banks a day or two us bank 5-10 buisness days. Worst bank ever been a customer for 15+ years to leave
left on hold for almost an hour with no solution as to why my funds were put on lock. I hate this bank!!!
We were told by US Bank that there would be ZERO repercussions if we went on the Forbearance Program. Now we have been off it for 7 months and want to refi. They are telling us we can't do it because their policy is that you have to pay your mortgage 12 straight months in order to refi. Not to mention I'm putting down 200K towards my existing mortgage. US Bank is bunch of unethical LIARS, I encourage everyone to never do business with them!!!
They froze my account and let my SSD checks get deposited and not be able to withdraw them for a whole month, what was I supposed to live on. Not only that they froze my savings and they would not let me withdraw my CD without a big penalty.
Choosing to bank with a company for 31 years and receiving no comments, other than a form letter, on acct closures is just strange. A phone call to confirm the letter was not fraudulent proved just as confusing until I reached the obscure Account Closures Dept. How fortunate the single page letter in the mail arrived in time for funds to be safely withdrawn. Yes, banks reserve this right to arbitrarily close an account, but slightly comical coming from their customer satisfaction team. In 2021, there are an abundance of fee free banking options, without silly $2500 daily mobile deposit limits and excessive wire charges. My individual and business accts deserve friendly professionals with a modern approach to banking. Farewell US Bank and your antiquated ways!
BEWARE of this US Bank.This bank will make unauthorized transtions! DO NOT TAKE THIS FROM BANK AS LARGE as US Bank.CLOSE YOUR ACCOUNT And Laugh!
They're so full of crap will lie and tell you that you don't have any pending transactions they be holding your money people have bills to pay untrained unprofessional employees very rude at us bank
This is the worst bank ever, customer service is a joke, I've had been banking with them for 2 years now and because my account was overdrawn due to Covid and no job for 45 days they decided to close my account and send me to collections, I am in disbelief at this point. My husband banks at Wells Fargo and they have been more than understanding and helped us at every single moment of this pandemic. He was overdrawn due to some payments going out and we called and got every single penny back from overdraft fees. I'm talking about in the 100s.
US Bank refused to help everytime I called them and now my account was closed, this was an important account for us. DO NOT BANK WITH US BANK THEY ARE GREEEDY AND DON'T CARE IF WE ARE IN PANDEMIC OR ANYTHING ELSE AT THAT.