Bad US Bank Service Missing Money

Last year my purse was stolen with my check book and debit card. The manager "closed" the account for me. At least that's
what I thought. A year later I had to fight to get the account closed, and go to a branch across town because nobody knew how to
do it at the one by my house.

Recently I deposited my paycheck on a Friday, like always. USBank decided to freeze the check until Tuesday, pulling my
account into the negative and tried to charge me 5 bounced check fees. Six days later when my account was finally working
again, they put the cable bill and a gas purchase through twice and pulled my account into the negative again. When I tried to
close the account they got into a fight with me and said I needed my mom there... I'm 21 and have lived on my own for three
years. So the account is actually still open because they won't close it. I've been with Wells Fargo for 3 months now and I like
them because they aren't fucking me.

Thank you so very much for creating your web site usbank-5starscrewed. The world needs to know how really bad this bank
is. I moved money from our savings account to checking to pay our property tax bill using the bank's telephone banking
system. A few weeks later I got a notice from the county saying that my check had been returned by the bank. When I called
the bank they said they had no record of the transaction (sound familiar). What really galled me was how they acted like it
was no big deal, and how they implied that it must have been my fault. I closed out all of my accounts that afternoon and went
to a credit union. But I had to pay the county interest on the late tax payment and a returned check penalty fee. And then US
Bank badgered us for months trying to get $37 in overdraft and returned check fees from us. This bank is the worst of the
worst. I don't know why anyone would want to bank with them.

A.N.

I've been a US Bank customer for twenty years and wanted to warn any prospective new customers that their customer
service, since they were bought out (in 1998?) has steadily declined to the point where it is astoundingly poor. I have an
excellent history, credit record, etc. but they will barely even cash a check, at my physical branch any longer. The clerks
at the branch seem terrified of management and the management seems alternately rude and terrified (of the main
office?). There are other banks out there that no doubt provide at least a minimum level of Customer Service, that US
Bank has evidently decided to abandon.

I.T.

I can't believe how bad the customer service at US Bunk is. Where do they get their customer service reps, women's
prison? Here's my US Bank story: I wanted to use internet banking to download my purchases to Quicken instead of
entering them by hand. I spend a lot of time moving to Firstar from my credit union, and the Firstar on line banking worked
great. Two months later, US bank buys Firstar and the purchase info I download into Quicken from US Bunk is now
worthless. The payee info is listed in the memo field. I called US Bunk, sent e-mails, and 5 months later, they still haven't
fixed this. It should be a simple matter of fixing their export program to put the correct Quicken field name with the correct
bank data. I couldn't understand why they didn't just fix it until recently, when I was informed by a rude customer dis-service
rep that that if I pay extra for the Quicken download service, then it works. It's not enough that I already pay $5 a month to
pay bills on-line, they want more money to get the correct info into Quicken. I dumped my US Bank account and went to a
credit union with free, excellent on-line banking. Avoid this bank at all costs!

I haven't been a US Bank customer for years. I left soon after the first merger and customer service seriously declined. I have a
story though. A few months after the merger with First Bank, I went into my local branch. I noticed a gentleman off to one side
of the bank having a very heated discussion with employees. Being the nosy type, I sidled over to hear what was happening.
Apparently this man owned a local manufacturing company and had ordered some materials from Asia. He had to pay some
amount for the materials when they arrived in port, before they were off loaded. He apparently had come to the branch a few
days earlier and had something like $ 100,000 wired to the company while the ship was approaching port. But when it docked
he was informed that the payment was never received. He was back in the branch trying to get an explanation. Most of what I
heard was "how can you lose $ 100,000?", and "what do you mean you don't know where the money is?". The employees kept
trying to assure him that the problem was just a flaw in the newly installed First Bank computer system and that they'd
eventually find the money. Of course that didn't make him very happy because his needed materials were sitting on a ship. To
make matters worse, apparently the bank also couldn't find his account in their new system: all his money was missing! The
guy was bellowing by the time I left. I'm sure there weren't many people in that crowded branch that continued to be customers
after witnessing that. I was lazy and held out for a few weeks more. First Bank had sent us all letters saying nothing was going
to change, but that was a load of crap. First our free checking for life went away. Then bank employees we had known for years
starting disappearing. And then just basic customer service started to suck. I kept hearing more and more grumblings and
complaints about US Bank, so I finally decided it was time to leave. After reading your web site, I'm damned glad I did when I
did.

G.B.

This bank is TERRIBLE. We are in the process of switching. Here is my story: My car insurance, of all things, was removed from
my account twice. My car insurance that I paid ahead for 6 MONTHS. Well, turns out, I have direct deposit, and while all my
checks are bouncing, and my credit is being ruined, my paycheck was just sat on, every time, for four weeks! It's not that I
ignored the problem. No, Siribob! I called their "24 hour banking line" and they said, "We will give your account credit for that
until the dispute is settled. Do you think the "dispute" was settled? NO! I had to carry all my paper work down to the ghetto
branch office and they called my insurance company and fought with them. Eventually, it was settled, but the 800 number
helped NOTHING, no matter how many times I called. This should not have taken a whole month to resolve. They really owe me
for the stress they caused, and the damage to my credit.

I would like the story I sent yesterday to be published on this site. But I have more news... Today, my husband and I went to US
Bank's crankiest branch in town, but it is the most convenient. We went there to CLOSE OUR ACCOUNT. The teller asked why,
and we said another bank in town had free unlimited bill pay, and she said, "So do we, at the end of this month." So? We were
really switching it because of the crappy customer service. I said, "Well, we've already switched." Then, she got cranky with us.
When we asked if we could have something in print saying our account is closed, the girl working there said, "I can't give you
anything saying it is closed. I don't need anything from you." My husband and I were in absolute awe. I mean, why do we care
what she wants from us? We were asked for no photo ID or anything. We had never seen this teller. So, anyone with our
account number could have closed it. Then, she said, "I can print this out, but it will only show that you have a zero balance." We
said, "Okay, do that then." So she printed it out, ran up ! to the counter, and dropped it so it would fall onto the counter, then ran
back to her manager. So, my suspicions were once again confirmed. US Bank's "customer service" sucks.

I had a similar experience probably around the same time. My bank was bought out by US bank. At first things sounded good.
Interest on my checking account and the ability to get my account information over the phone. This was great until I tried to get
my information at the bank. "We don't have your account information available, you will have to call the 800#" I was told. Okay,
when was the bank not able to give you your balance. Next, I was only able to get to the bank on Saturdays. At first their hours
were 8-12am, then 9-12 then 10-12am on Saturday. Kind of narrow time frames. Several times I got there at 10 or 15 minutes
until 12 and they were closed. This made me mad, so I waited a month to make sure all my checks cleared. I then wrote a
check for the exact amount to open up an account at another bank. Normally that would have been the end.

Over the next few months I received letters from them and didn't even open them. After the 3rd month I opened one.
Apparently, since my account was under $100, which was a limit set, they graciously removed $250 from my Overdraft
protection account. Then they started charging me 18% interest on it while putting back $50/ month into the overdraft account.
I called and called and no one would do anything or even try to help. Finally, I took a day off and went in and spoke to the bank
rep. They agreed to pay the $250 back but I was still responsible for interest??? They were just playing with their own money,
swapping it back and forth in accounts. After some arguing the rep did some calculations and said they would cover
everthing but $.70. I argued more and he said he'd pay the $.70 himself. Okay, I thought until I was still getting letters for $.70
3 months later. All in all, it took a year to solve a piddley error. In my opinion you are asking for problems if you bank with
them.

I sent of my car payment for $437.71 to my loan company. At the time I had $460.00 in my account. Later that week I called the
U.S. telephone banking number and found out it was returned unpaid. The message said that the check was for $487.71, fifty
more than wrote it for. I talked to U.S. Bank rep. Tusky who told me that his computer doesn't show the check so it doesn't exist.
After getting the run around and insulted by him I hung up and called rep Adriana who told me it did exist and my loan company
electronically entered in wrong. She said that she would send them a notice and have them re-enter it. She said she would waive
fees, problem solved.....

Two days later nothing was done, I called rep. Daisy who said that the last rep was wrong and that she would have to put a stop
on that number and that would have to issue another check. The next day I get a call from a supervisor that said that Tusky gave
me good info and that the other reps were wrong. She said that she couldn't stop payment and that I would need to get a letter
from my lender admitting error if I was to see my money back. She said that she ordered a copy of the check and when she gets it
that she will not correct the problem without the letter. Even when she can see what it was written for and what it was cashed for.
She said that she would call me today at 5:00. I waited by the phone for two hours. 6 hours of my time and my credibility shot for a
mistake I didn't make. To add insult to injury they added $5 to my account as a 5 star reward, it posted right in front of the $32
RETURNED CHECK FEE!

E.T.

My post is about how US Bank cannot be trusted with business accounts. I had my business account with US bank for > 5 years
(personal acct > 18 yrs). All went well until they merged with Firstar. Then, the connection between my overdraft line and my
business checking account quit working. Twice in 2003, I bounced all of my payroll checks and many of my bills solely because US
Bank did not automatically transfer the money from my overdraft line. The first time, they told me the problem is all fixed now. I
(foolishly) believed them and proceed with business as usual. The second time, they told me the transfers did not happen because
I did not give them a signed form allowing them to do the automatic transfer. My how the story has changed. My employees now
always ask me if their payroll checks are any good. It is embarrassing. I sent US Bank a written request asking that they issue me a
written apology (They never denied wrong doing). US Bank did not respond. I sent them a second request and added that if they
don't provide it immediately, the next time they hear from me will be to close my account. Still no response. I just switched to a small
bank. They are a joy to work with and their fees are almost non-existent. When I closed my accounts at US Bank, the branch
president begged me to stay. When I refused, he sighed and said "US Bank spends millions every year to get business customers
just like you." Well... If they had written me an apology letter, I would have likely given them a third chance. US bank has successfully
turned a very happy customer into one that loves to tell everyone how you suck.

C.B.