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!

They lie.

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.

They lie.

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.]

Filed under :: Love and Marriage :: US Bank Sucks

Google Bomb activated, Cap'n!

Heh. I would never actually ask for a Google Bomb, but I certainly don't mind folks passing the word along.

Absolutely not.

Gosh, Dave I get pissed off just reading this and I admire Margie for fighting the good fight. I would have sacrificed the money long ago too, and I don't even have $250 to just give to a crappy back to make the problem go away! Good for you guys!!

And some people wonder why I shop at Nordstrom. I have had them fix vbroken zippers, a fairly major gash in a pari of pants, mail me a replacement pair of nylons, and generally "jump to" when the situation calls for it. Customer service matters a lot to me and I do business where I am served. Needless to say I won't go near US Bank for anything (and I'll try to avoid their ATMs as well).

Margie,

you have the face of an angel, the sould of a saint, and the heart of a lion!! Keep up the good fight. I will not knowingly do business with BOA anymore. It's not just BOA though, I think the majority of larger companies has suffered a serious decline in cutomer service. Customer service used to be a way of mind, now it's a department.

UPDATE: The whole "U.S. Bank Sucks" saga can now be see on my Archives page.

I agree, US Bank sucks a big fat one. They do not consider taking care of their customers, only fattening their wallets. They ripped me for over $400 dollars!!!!!!!1

Here's a news flash... your wife is ugly and US Bank rules. !! The only bank that has a heart, maybe you guys are missing that. Why don't you spend your time and money making your wife look better instead of bashing the best bank in America. HERES A SWEET LITTLE UPDATE FOR YOUR DAMN WEBSITE...YOU SUCK!!!!!

Have you ever noticed that it is only those who don't take responsibility for themselves that blame things on others? How do we know to take what your saying at face value. You know how many times people blame others for their mistakes, and then when they can't be assisted they blame it on others as well. It is only when you can't be assisted that you complain of "poor customer service". Has anyone ever stated ya they couldn't help me with the problem I created but man their customer service was excellent. No, because that doesn't happen. They just go and try to blame others for their lack of responsibility. I am not saying who was right and who was wrong here but if anyone works in any form of customer service they know exactly what I am talking about. People will take anything out on you that they can even if it is their error.

Wow. I went to the world wide web to find people with whom to commizerate over my debacle with US Bank, and I found someone right in my own Colorado backyard! Hi Dave!

Yep...US Bank Sucks! I have spent the last 8 hours of my weekend pouring throughaccount histories and copies of cancelled checks. US Bank asked me to have these checks sent to them (this was how I got them to delay a repossession of a vehicle). When they got them, however, instead of actually looking at them, they sent them to me, along with copies of the account histories for which they charged me $25 each. My instructions were "Once you find the problem, feel free to call us." The problem is that I have two car leases with the rat bastards. They routinely apply both payments to one lease, and report the other lease as delinquint. No one can actually help, other than moving a pyament here and there to the right account. Buyt the problem persists. As it turns out, after my weekend of doing US Bank's work for them, I am actually a payment ahead! Nonetheless, they have ruined my credit score (which until my relationship with US Bank was perfect).

Has anyone dealt with Julia Beckett at US Bank? She is the Queen Bitch of Collections. She appraches customers with the assumption that they are dead-beat scum-bags. She applies not a shred of professionalism to her job. She is rude, offensive, unhelpful, and she's hung up on me on more than one occassion because "she doesn't have time to deal with my problem." "Well, sir, I'm SURE you ARE late on your payaments, or your account wouldn't be in collections." Well, maam, I'm sure there IS a Santa Claus, or else they wouldn't make red suits and black patent belts for people to dress up in.

I'm not a vengeful person. But I HATE to be treated like a problem, when a little customer service would solve a problem. Customer service just doesn't happen with US Bank. It has become my mission to enlighten as many people as possible about how US Bank operates and treats people. I am copying the letter I am preparing to US Bank with my documentation of their malfeasance to as many people as I can think of to include. The Dept of Justice and the Colo Atty General are a few, as well as as many officers of US Bank as I can find addresses for.

Thanks for your site. Makes me feel not so alone in my war against "The Man."

Hey, CODY, do you work in US Bank customer service? I mean, it really wouldn't surprise me.

Sam, as someone who has done phone and tech support, there are certainly times when people calling with problems are, in fact, responsible for their own difficulties, and they won't take that for an answer. On the other hand, I'm equally sensitive to the basic responsibilities of customer service -- keeping commitments, returning calls, doing what you can to resolve the problem as quickly as possible. Those were all professional qualities that were lacking in the folks that Margie called.

It's not only those who refuse to take responsibility for their own failings who blame others. And assuming that to be the case is just the sort of responsibility-evasion that, for example, bad customer service folks use ...

Mike, good luck in resolving your problems!

I am so angry and frustrated with US bank over the crap I have gone through. I transfered my account to another bank and can't seem
to break free from that place.
I pay charges and fees and have asked several times for a total
only to have another finace charge show up in the mail.
It's not just this bank, it's the attitude of American business. They
look at the population like a farmer looks at a field of wheat and
they sit back and try to figure out the best way to harvest it.
Customer service ? just a couple buzz words, don't meen anything anymore....Keep up the fight..Allen

P.S. the remark posted on your site by "Cody". He sounds like one
of the US Bank employees I have had to deal with, I can best discribe
them as "rude", with a smile.

Yes, U.S. Bank SUCKS!

Their ATM's failed to process a transaction, resulting in multiple bounced checks. U.S. Bank withdrew hundreds of dollars of penalty fees from our accounts, even though the problem was their mistake.

After trying to resolve the problem with them and getting nowhere, I filed a lawsuit - won hands down, and they had to reimburse the fees.

But in the meantime, I withheld payment, in the amount they owed me, on my U.S. Bank CreditLine account. After the court hearing, U.S. Bank agreed that they would not place derogatory information on my credit report, and would receive full payoff for the CreditLine account when they satisfied the court judgement. But they lied.

Turns out they started posting derogatory information the day after the court papers were filed on them, and then they posted my CreditLine account as in default and "written off as bad debt" even before they had paid me the judgement.

It took two years of fighting with them, a lot of legal fees, and a federal lawsuit, before I got them to correct the damage they had done to my credit record.

My advice, based on personal experience: Avoid doing business with U.S. Bank at all costs. The Five Star Guarantee is a sham. What you may actually get is a Five Star Screwing.

Please see our Website, http://www.usbank-5starscrewed.0catch.com for more information about U.S. Bank (scandals, fraud, lawsuits, regulatory actions, etc), what they did to me, and what they have done to many others.

Great Web site. I'm coming here via a link at usbank-5starscrewed. Sorry to hear y'all got a dose of "Five Star Screw".

Now you know why they call this rathole bank, U-Suck Bank !

A couple of suggestions:

1. You should endeavor to create a network, all linked together, of anti-US Bank Web sites. That will get you all higher search engine placement , and provide a number of differnet portals for people to find the truth about U-Suck Bank.

2. I see you are displaying US Bank logos - they are trademarked you know. Sooner or later you will be hearing from USBancorp's corporate-whore lawyers about it. I would suggest that you post a disclaimer, indicating that you are using the trademarks in a non-commercial, fair use manner for identification purposes only. That should keep you out of trouble.

Thanks for creating and maintaining the site !

I'm not really interested in creating a network of "anti-US Bank" web sites (the site you came here via seems already along that line). My intent was primarily to share our own experience with US Bank. I don't mind if folks come here to share it, and certainly if they want to leave a comment on this or other associated posts about their own experiences, I don't mind if they use the location to vent.

But I'll admit a certain gratification to being the No. 1 "U.S. Bank sucks" site on Google.

Certainly my intent in using any US Bank tradmark is for a non-commericial, fair use fashion, in association with my discussion of my experiences with US Bank, and for identification purposes only. I'm not doing it to make money, or confuse or mislead anyone into thinking I'm affiliated with US Bank.

I am a USBank customer, and I am sorry to hear you have had so many problems getting your issues resolved. I have not had that experience myself, but it is disheartening to read that so many have.

I too work in customer service and truly believe that you have to live by the "golden rule" treat others as you would like to be treated.

You should also know that I am employed by USBank, and although I do not directly work with customers daily through phone contact or in a branch, I do get to listen to others in your situation who feel that their needs have not been met through our direct customer service lines.

I can not make excuses for a representatives behavior, but I truly believe that we (USBank) are making great strides after large conversions to get everyone on the same page of listening to your voice, the customers voice.

I wish I could have an opportunity to change your mind about my bank, but I do believe that your site does serve a valuable outlet-it has absolutely educated me on some huge gaps that need to be filled so others do not fall into the same situations.

Thank you for taking the time to write this, I am sorry however that it had to be written at all.

Connie, thanks so much for writing. I appreciate it, both as a former (and still disgruntled) customer, and as someone who has done customer service work in the past.

Just as it's helpful to you to "see" some of the human faces behind these complaints, it's probably helpful for all of us to realize that generalizations (whether it's "customers suck" or "U.S. Bank sucks") don't necessarily apply to all the individuals involved in either category.

Thanks again.

Dave;

You think you got screwed by US Bank?

Look what they did to this poor sap: www.nampasoccer.com/US%20Bank.html

Talk about Five Star Guaranteed Service ------ NOT!

I found you from www.usbank-5starscrewed.0catch.com too.

Keep up the good work

BankMan

At first I thought this was a Fifth Third Bank site. Same problems as US Bank. People just don`t give a damn. I would think the turnover rate is quite high due to the inexperienced people I run into.

Speaking of ATMs, our local ATM spit out 80.00 too much several weeks ago, notified the local manager 3 times to contact me if the ATM was off. Time marches on and still no word from the branch. They can`t even give a correct quote on a commercial ck. order.

I was so disgusted with BofA trying to charge me $5 to cash a legit check, I have published this page, and will attempt at optimizing & getting it high enough in google to attract attention. Overture estimates over 800,000 searches for "Bank of America" per month.

Us bank didn't do anything as bad to me as to you guys, but I think us bank is the worst bank in the US. Jusr recently I called to see about a check that wasn't returned (I get my cancled checks sent back to me) and the lady I talked with was nice enough, then she transfered me to another lady, and the other one was soo rude. She told me I never had my checks sent back to me and that I didn't know what I was talking about. Furthermore the tellers at the nearest US Bank are always so useless they should be working at Buger King for the ammount of help the can give me. Oh ya and that rude lady... it cost me $2.00 to talk to her, not mcuh but I would have rather burned the money than talked to her. I changed to Washington Mutual and I am always greeted with a smile and a "Hi! how are you?" Warn your friends stay away from us bank

I love my US Bank and the service I get at the Kenosha, Wisconsin south bank. The girls are great and willing to get to the bottom of problems. They get as frustarted as your wife does when things don't turn out right. I know I can trust them to settle a dispute I have with US Bank over $200.00. The bank that really sucks is Bank One.

Boy I thought I was the only one that had problems with US BANK!We lost our home,its a long story,but several lawyers have told me the bank made alot of mistakes,but noone will take the case because they say its a huge bank with unlimited legal resources.I was talking to one of the district managers,and I told him I was so sick over losing our home,that I couldn't eat or sleep,and he said WHY?????????????Noone will ever know what we've been through with them.

My story is a little different. I opened a savings account for my granddaughter in Dec 2002at US Bank. Days later I found out that another woman was kisted on the account. While trying to straighten this mess out, I find out that my social security number is on this woman's loans for over $120,000. I suspected identity theft at first, but this woman I'm sure has no idea that all this is going on. I have talked to several people all over US Bank and they never call back and are so rude. Even the fraud dept. screwed everything up. They wanted me to fill out papers but got my name wrong and even where I lived. I finally talked to a Chris in MN from US Bank (very rude man) and he assured me that my name never appeared on this woman's loans. I told him that I wanted a credit report on myself and that US Bank should pay for it and he agreed to sent it. It has been a month and I still have not gotten the credit report. There is really much more to this story like my SS# was taken off those loans but my granddaughters SS# ended up on them. As of today I don't know the stste of the account I opened, but I don't want to close it until this matter is taken care of. I also have a big problem in that I live in a very rural town and the next closest bank is 56 miles away either north or south. Thanks for your website. I found it while looking for the president of US Bank's address.

US bank does suck...

It's so true. Why?
1. They let a post dated cheque cash 8 days prior to the date on the cheque. I was lucky to have enough funds to cover it. Bad business.

2. Ridiculous credit policy. I'm new to the country and have no U.S. credit. So in order to establish a credit history I must get a secure credit card. I make around 45G/yr and they won't give a $500 credit card after 'financially existing' past the 6mo. grace period. Bullsh*t. So fine. I play by their rules so I can start building my credit. Long story short...freakin' Gong show. The head does not know what the ass is saying or doing. Example: Bank Manager (yes..."Manager") says that they CAN NOT set up a secure credit card from the branch. Phone 18001STARSERVICE. So I call. They say...and I quote, "We CAN NOT set that up over the phone. go to your branch." Baffled I call my branch. She says, "They are mistaken, we CAN NOT set that up in the branch. Phone them back." I phone again. "We CAN NOT set that up over the phone, go to ANY US Bank branch to set that up." What can I say...A bank that doesn't even know it's own policy is scary.

3. Unstable online banking. I'm not a computer/net whiz...but I know enough to catch the signs of a bad and unsecure website. (losing SSL after I've logged in...). I am from another country where some banks still suck but atleast their websites are rock solid. This also scares me...

4. High turnover at our local branch. Scary in itself.

5. Unknowledgeable staff. See #2 and tellers that do not know what a foreign draft is...Where do they find these people???

I could go on but I won't. This week I'm moving my account to a local credit union. So if you are from US Bank and you're reading this. I'm going to buy a car in May and a house late next year. Kiss tens of thousands of dollars goodbye. ALso, my company banks with US Bank. I've told my VP and our CEO about some of the policy issues. They were not amused...

THANK YOU DAVE!

MAH,

Post-dating checks is illegal. When you write a check you agree that you have the funds avalible at that time. Cashing a check at a later date is an agreement you have between yourself and the other party. Don't get all pissed when a bank cashes it. Its at their discresion. Most of the time, they will cash it. That's not just US Bank, it's ALL banks. They are not legally-obligated to not cash a check because of the date.

I am very sorry that people feel this way about any company, but in this case it is deserved. In fact, I would be downright embarrassed to admit it if I worked for them. USBank is the most impersonal company to their customers and employees that I have ever heard of. They do not even really have a real HR department. They out-source it to a call center. The way they treat their employees is downright dispicable. The upper management here is a group of profit-seeking penny pinchers who will not even allow their employees to order paper-clips. Apologies won't make anyone's plight better. The poor employees of USBank have never gotten an apology as their benefits have been gradually snipped away and they have to pay $3000.00 more in health insurance than they did last year. They generally don't receive raises and most employees other than management made less this year than last. (USBANK had record profits!!!!!!!!!!!) It is no wonder that the people you talk to aren't very helpful or competent. They don't pay enough to hire and keep competant customer service people. The also don't give their employees the basic consideration they deserve. There are many bitter people working there and it is understandable why they would be less that helpful to customers. It does not excuse it their poor behavior. The business of banking is supposed to be to provide a service. You might want to try Wells Fargo. I hear they are much more customer focused.

Hey US Bank your horns are showing!!!

Unbeknownst to me my account became overdrawn M.L.K weekend, as a "courtesy" US Bank continued to let me make purchases with my ATM card, charging me $32 per transaction. By the end of the weekend I racked up $400 in fees. I drank more than a few $33 sodas that weekend.

timo,

Should be keeping track of your purchases through your checkbook register. The fees are disclosed in the paperwork you recieve when you get your account. The bank has the right to return or pay items. I'm sure you woulda been pissed if they didn't put those transactions through. So it's your own fault. Don't blame things on other people.

Folks,
I used to work at US Bank. I was a manager. The bank was as mean to its employees as it was to its customers. They loved to humiliate the managers and we were the ones trying to take care of our customers and employees. We often were screaming at someone in a call center or faceless department trying to get them to help our customers we were not empowered to help. I can remember customers literally sobbing at my desk because they got so frustrated and no one to help. I would like to see a permanent US Bank Complaint web site. Is there anyone out there that would like to design a web site for this purpose? It would be great if it could be done is such a way so that a regulatory agency like the comptroller of the currency could be aware of it Perhaps there is a lawyer reading this that could put together a class action law suit for related complaints. It will take coordinated effort through regulatory agencies that oversea the banking industry or
efforts through the legal system to bring about permanent changes at this bank.
Jack Grundhoffer, ex-CEO, was reportedly proud of his Nick ame, "Jack the Ripper" for decimating departments and axing experiencedpersonnel and taking over perfectly good and decent small banks and turning them into incompetant US banks. This is why the bank's streamlined processes failed. The arroagance at the top level and obsessive focus on cost cutting to boost stock share price at all costs, to the eventual near collapse of customer service, created an attitude of dispirited and abused and overworked employees at all levels of the company, who began to take it out on customers themselves.
Once this type of uncaring and hateful attitude takes root in an organizaton, it spreads the frustration and anger to many inter-related departments, till eventually everyone is frustrated to the breaking point and takes it out on the customer. This is the legacy of Jack Grundhoffer.
I dont think the current management has the courage and imagination to turn anything around. The most experienced and caring employees were long since forced out or into early retirement taking with them a culture of caring and knowledge. Management would have to diligently
work at retraining and most of all listen to employees who really are the ones who have the best insights as to how to change things for the better.
But, that would mean respecting employees and customers, treating them with dignity and concern and empowering them to make decisions.
US Banks downfall was a belief in a rigid, autocratic, top down, managment style. It has turned around and bit them, but not before
many innocent customers and emplyees have been deeply hurt and frustrated. Jack Grundhoffer is long gone, ensconced firmly in retirement with his fabulous stock options, leaving a once fine bank decimated and struggling.
The only thing I can think is that perhaps through the internet a web site could be created with the knowledge and approval of regulatory agencies, the press, perhaps the legal system, and dont forget shareholders, so that this bank is forced into some sort of structural
change. But it will take more than just venting anger. Anyone else got
some ideas out there? We need to be creative, organized, and thoughtful.

Bob -

There is a permanent US Bank complaint web site. It's:
www.usbank-5starscrewed.0catch.com

We used to have a simpler domain name, but US Bank took it away from us. We've been exposing the truth about US Bank for 2 years now. Posting every complaint, every bit of dirt that we can find. Check it out, and feel free to add your stories/comments.

Also, here's an interesting story (Dave, you and Margie think you got a Five Star Screwing): www.usbank.cc

I received the following e-mail, with the subject line "from a banker at usbank":

Hi

I understand your situation. I wish someone could help you. I have had problems myself as a banker in trying to get correct loan payoff amounts. Sometimes we are given an amount and if we use that as a pay off then I have had some company get back to me a few days later after the loan was disbursed and had to contact the customer to pay the additional amount which according to them is usually an addition amount of interest owed. I then had to make that additional payment. It is possible that the banker who did the loan wasnt aware of the other amount and that may be why it was incorrect to begin with. They may have been given the wrong amount, or went by what showed on the credit report.

I learned the hard way never to go by the balance on a credit report. I have found out that it is ironic how a company will blow the banker off when I call to try to get a pay off amount, but let me make a guestimate and it not be correct and whala! That same company who wouldnt return your urgent calls then calls you but usually after you;ve made the loan disbursment and the customer has taken the money so now how are you to get the bal paid?

I immediately call the customer and go from there. I however have had the unfortunate problem of being the banker who diligently and desperately tries to correct the problem. I too run into brick walls and as far as getting someone in authority to help you? HA HA what a joke that is.

It should never have been let go this long I wish you had been my customer I would have helped you. I am sorry you went through this and your wife is a saint to have kept her cool this long. As employees you have no idea what we go through in trying to do our job and sometimes we too have to one to listen to us or who will help us help you. THAT is the #1 reason employees leave their jobs and the fact that we arent getting any raises anymore period. Moral is way down from that. Discouragement is the environment I work in and believe me it is hard to keep a positive attitude with other coworkers being so down.

Hope things work out soon.

Hello, I've got another story to tell and just started creating the web site www.usbanksucks.com

It will have my complete story on in in about a week!

US BANK IS INFAMOUS FOR LYING!

Example: I recently sent in a payment to make a payment to my reserve line, utilizing the address a rep gave me (In Milwaukee, WI) Several weeks later, I received the same amount back, in a new check written by US BANK, with a computer generated note, stating that the money was not needed for your reserve line, or "you have paid too much." I'm like....what???

Several days later, I started getting calls from collections, so naturally, I vented a bit, talked to several reps, and finally a manager...During the conversations, they said all this will be documented....What sent my blood pressure up several notches later that week, was I called back, to ask some questions on the calls I made...and lo and behold, there were no notes, "documenting the call..." in fact, another rep told me, "...we don't document those calls..." perhaps it was collections you were speaking with....

The point here, is that it was the general 800-usbank helpline, and I don't care if I was talking to the VP of USBANK, I was CLEARLY LIED TO AS SOMEONE TOLD ME DURING THE 45 MINUTE PHONE COVERSATION, that all notes will be documented......

So....now I'm being charged interest for the month I'm behind, since USBANK returned my full payment, stating it was not needed (what???) as indicated earlier in this story....Now, they want me to get a copy of the cancelled check from my bank---which will cost me more money, and fax it to another manager....It seems...they do not have the ability to track the original USBANK check, written to me, with my account number......Wouldn't one think that they keep records of checks written to individuals???

If anybody has similar experiences.....please...please...let me know....I'm sorry if this is long winded, but, the fact of lying...not being able to cover your tracks...or even keep simple business records of how much a company pays to whom...seem simply odd...dontya think?

Please respond...if you can

fyi: I hate to admit it but it was me that sent you that letter. That should really get some action of the Grundhuffers now when they think there own employees are on your side.

I hope it helps you out.

Razor is referring to the Yahoo US Bank message board thread here.

I've been fourteen months trying to get my address changed on our car leases. I've called USBank eleven times requesting a change, it never happens. The local Post Office is getting very upset that they have to continually put the correct address on the two envelopes we get form USBank each month.

I'd like to locate the name and address of the CEO of USBAnk and then write a letter to him with a copy to the state banking regulators.

Eric's new web site, USBankSucks.com, can be previewed at:

www.proactivedesign.net/_stuff/usbank/default.htm

It is still under construction.

One more happy US Bank customer! So happy they'll take the time to create an anti- USBank web site.

It’s somewhat comforting to know I’m not the only one to find that us bank is run by Hitler and Satan’s offspring. To give you some insight into my situation, I’m a poor college student who lives paycheck to paycheck. My problem started when I deposited a check in a non-Us bank ATM and three days later I had three transactions: paid rent, and two other minor purchases w/ my debit card. I went on for about another week and half using my debit card like a guy whose bank isn’t emptying his bank account into their own pockets. Little did I know, it took the bank 7 days to clear my check from WAL-MART (not exactly a junk bond- they’re probably good for it). Three overdraft charges (33 bucks a pop) were attached to these three transactions, sending my account into the red. By the time I caught the problem, I had 18 of these fees, most of these transactions being for small things like a candy bar, or a pop. It should be noted without these fees I never would have gone negative. I should have had 290 bucks in my account, instead I had -300. I later learned that in the small print in opening the account, it states that it may take up to 6 business days to post a check. While I do think this is a ridiculous and shady practice, if this was my only beef I would expect a reply from USbank saying something like it was my fault for not being fully knowledgeable of USbank policies, which admittedly I was not.
The problem that I do believe I may have a legal leg to stand on happened months before this happened when I added credit protection to my account (or so I thought). Around November I actually did go negative, and had to pay the 33 dollar fee. I went to the bank and asked what I could do to see that this would not happen again. They told me to get the USbank credit card and they could ad credit protection, and the $33 overdraft charges would be thing of the past. So I did, and later that month was surprised to find I did not have the protection. So I went back, they gave me a form to fill out so I did. I went back to make sure my account was covered shortly after that, and again it was not, because since mine was a joint account with my dad, we had both had to sign for it. Finally, me and my dad went in, and filled out the paper work. I asked the lady if she was sure that was all I have to do to get the protection put on my account, and she replied yes, she would get it all hooked up for me. Super. Until about now when I’m told it was never put on my account because the checking account was a joint account and the credit card was in my name only (shouldn’t the banker have known about this policy?) . Neither me nor my dad were contacted about this, leading me to believe the protection was in place. Perhaps it was my fault for believing the words coming out of the banker’s mouth, but I don’t believe so.
As far as getting any corrective action from the bank, it was about the same as every other story here. I could write even more about the interactions with these people, but I won’t. The people I talked to who acted concerned and promised corrective action(overturned ODC’s) and phone calls back, but never did as they promised. I know I am entitled to my money back, and am thinking about taking them to small claims court. If anyone with any legal background is reading this, I want to know what the official term is for this lack of follow through and knowledge of bank policy (incompetence) would be, and what are the chances of me winning in court. I may file just so the lawyers they pay will cost more than my $600.
Thanks Dave, I appreciate the site.

she looks like an idiot and so do you, why don't you explain the WHOLE story to everyone so everyone knows the real truth. Oh, and by the way US Bank doesn't have any offices in Florida, not even a call center, so right there we know YOU are the liars!!

Hi, jnl.

That is (along with the other associated chapters in this category) "the WHOLE story," so far as I know. If I left out any bits, be sure and tell me so I can update things here.

As to US Bank not having any offices in Florida -- well, either someone on the other end of the phone misspoke, or I transcribed it incorrectly; the underlying point of different support groups in different states pointing the finger at each other (or being used as an excuse for crappy service) remains.

As to my wife looking like "an idiot" ... why don't you come over here and say that ...

I am a computer expert. I know for a fact that USBank's computer system is screwed up. I worked on it. About a year ago they needed to change their software because it was amortizing the lones incorrectly. Yep, USBank has some mahor problems. I am not a disgruntled employee, but what everyone is claiming is true.

Margie is hot!

I would like to have sex with her.

Will you take my usbank card?

I love you Margie

I worked for US Bank for many, many years. I enjoyed working for the company and really caring about my customers. My job was eliminated through some bullshit called "right-sizing", which is a politically correct way of saying that they needed to cut it to make the numbers look good enough for Jerry and his cronies to get paid a nice fat bonus at the end of the year for 'doing their job'. It was a definite relief when Jack Grundhofer left...everyone literally breathed a sigh of relief and morale visibly improved. It's a relief not to be one of Jerry's Kids anymore. I hope Jack enjoys his California retirement mansion paid for by the customers of US Bank. Maybe with luck the sow will die early and not get to enjoy the fruits of his 'labor'. And I hope Gerry Cameron chokes on his $12 million 'pieces of silver' he got for selling out US Bank to the Grundhofers in the first place. Judas Pig.

I've banked with US Bank for over three years now. Recently those jackasses decided to change their accounting procedures. They put a blurb on the end of my monthly statement that left me asking myself the question, "what the hell are they talking about?" In their new system they hold your deposits for a period of three days. If you try to use your check card any purchase you make will go through based on how much money you have in the bank. It's always been that way. Deposit your money and it's there when you need it. Now they let the charges go through and then charge you $33 in overdraft fees because they tell you that at the time of this transaction you only had so much money available. It has cost me over $800 in overdraft fees and the only answer I can get from them is, "Were sorry, but you were notified of the change." "There's nothing we can do." Well after about a week of negotiations they said that they would refund $99 in fees. Hmmm, lets see they took almost $800 and want to give me back 1/8th of what they stole from me. I told them to shove it. It's not the money that makes me angry with them, it's the fact that they don't care about anyone. Five star service my ass. They got that slogan when they took over Firstar Bank. They have no regaurd for the common person. They have acted unprofessional and now they have basically found a legalized way to steal peoples money. US Bank, YOU SUCK! Everyone I know, including myself are closing our accounts and going elsewhere. Hell, I'd rather cash my paycheck and bury it in the back yard. At least then I'd know how my funds are being treated. Us Bank has become too big for it's own good. Once again US Bank SUCKS!!

Wow.. a site designed for complaining.. does no one have anything better to do? me neither! I use to work at US Bank and I can tell from working there that they never look at a problem from the cutomers point of view. I use to work in the billing area and numerous times we over charged the customer, knew about it, yet did nothing unless the customer complained.. BAD BUSINESS. Also I was way underpaid and when I got a job offer from a different company only then did they decide to increase my salary. LAME.. so I left. US Bank sucks. DONT BANK THERE.

I think this website is a little over exxagerated! I work for US Bank in the customer service department and I think you are making a big generalization about all customer service. Your wife had one bad experience and now you want to revolt? I deal with nasty peolpe like you all day. People that get made because we gave them a late fee because their payment was 2 weeks late,or because we won't raise their credit limit on the spot,or because their account went 90 days past due and we closed it. Personally, I think that is standard practice for any bank. I take about 150-180 calls a day and out of that number I would say a forth are nasty,rude people. How am I supposed to give someone respect when the first they do is start yelling and swearing at me? I can't even tell them what I really think,I have to wait and let someone bash me at least 3 times before I can tell them I am disconnecting! To tell you the truth,usually it is something they did themselves. If I put up a website about every company that I have had a bad customer service experience with, I would be wasting my time because there are just too many. So, I hope in the future you can spend your time in a more productive manner.

Hi Dave,
I totally agree with you. I busted my @*!!@ for that company for 2 years as a Branch Manager, working 70 hours most weeks, giving up my vacations, and being a complete team player. None of that mattered. On Aug. 18 they called me in on my day off and fired me b/c I had $4.65 in loose change in my desk drawer. They claimed that I was force balancing my tellers! In reality it was MY money that I used for the soda machine. Also, now they will not pay me for all of my vacation time (which was earned) when they have not had a problem paying other people that they have terminated.
I have seen about 36 people out of 16 branches be wrongfully termed in the past 6 months!!!! The reason that the customer service is so bad is because they are disposing of their highest paid people, and bringing in ones with no banking or customer service experience and paying them thousands of $ less so that they save money. I could tell you stories that would blow your mind!!!!!!! So please tell your wife that not only do they treat the customers like garbage, they treat their dedicated employees like garbage as well!!

Once upon a time in a galaxy far, far away, I worked for a great bank.....called "Star Bank" - then it became "Firstar" and it was still a pretty good place to work - It wasn't until it became "US Bank" that things got way out of control. At this point, I'm going to guess that you know that I'm no longer employed with "US" - why?......don't get me going - The corporate atmosphere has changed so much - a branch manager no longer has any decision making abilities and has to get approval on almost everything - including the most mundane of supply orders. I remember when you could actually manage an office and make a difference - that no longer exists within the new US Bank - if you can't get approval from your superior you may as well forget about it - what's right for the customer is secondary in the corporate view - I feel fortunate to now work for a bank that still has the customer's interest at heart.

us bank sucks!!!!!!!!!!!!!!

us bank sucks. i wish tat they would all go to hell

I am stuck at US Bank until I get what is owed to me!
This all started about a year ago when I did an online funds transfer from my primary US Bank account to my secondary account. Apparently the transaction did not go through. There are no transation tracking or confirmation numbers given when doing this sort of transfer so that you cant possibly have anything to back yourself up with. When I realized what had happened I called the bank and they told me nothing could be done. At this point all of the transactions that had gone through my secondary account had bounced and I had fees comming out of my ears from US Bank and from my other creditors that had tried to get the money owed to them out of my secondary account. I was very upset and noone would do a thing about it. So I decided that the only way I would get my money back is to get it back in 5 star service guarantee credits. As many of you know here is the US Bank policy:

U.S Bank Five Star Guarantee

U.S. Bank Personal Bankers will be available 24 hours a day, 7 days a week.
ATMs will be available 24 hours a day, 7 days a week.
You will wait no longer than 5 minutes in any teller line.
We will respond to all questions the same day, when asked before 3 p.m.
Checking and savings statements will always be accurate.
U.S. Bank Internet Banking Five Star Guarantee

Available 24 hours a day, 7 days a week
Respond to e-mail inquiries within 24 hours
24-Hour Bankers will be available 24 hours a day, 7 days a week
On line account information will be accurate
Transactions initiated on line will be processed in a timely and accurate manner
If we fail to meet this level of service, in any of these categories, we will credit your account $5.

So I have been emailing them every time that the website is unavalable and every time that ATM's are not available. And every time it takes them more than 24 hours to respond to my email so I email again. Each time they screw up they pay me 5 dollars. I have got all of my money back and then some and they still do not respond to any emails within 24 hours. So I continue to get $5 per screw up from them in the hopes that so many people will take atvantage of this guarantee that it puts them out of business. So please make them give you 5 dollars when they do things wrong and maybe if enough people do this we can force them out.

1.$42,000 dollars unauthorized withdrawal from Putnam Investments. Checks cashed without my knowledge or signature.

2. $30,000 forged checks.

3. Photo copy sent to Peoples Bank of a check marked Fraud. $300 debited repaid by me for my utilitiy bill.

4. Photo opy of check for $650 sent to 5/3 account debited repaid by me.

5. Photo copy of check for $233.28 sent to Wachovia again debited repaid by me.

6. Pension funds confiscated.

7. National City bank given telephone verification of sufficient funds then bouncing the check for $2000.

US Bank is not run by regulations . It is a gangster organization and a threat to Homeland Security. Its employee need to wake up and seek other employment. Our political system is unfortunately tied to money in such a way that gangsters always have been a big part of politics and obviously exert a lot of influence on the government regulators. These three banks that made the debit payment
had no legal process for the debit. The cancelled checks had cleared the Federal Reserve and been returned to me. One baner candidly told me that they just wanted to get along with US Bank. I believe a great thing for America would be for enough of us to unite in an effort to eradicate US Bank at least from this continent and send a strong message to all those who bask in the financial sunlight of that hellish organization. I feel very strongly about this, but not in any sense of violence . I wish no physical harm to anyone. I do believe that the Grundhoffers are psychotic and that US Bank is a psychotic corporation. Thanks to everyone who participates in this communication, even the poor souls who are trying to remain faithful to US Bank because of their employment.

September 25, 2003

I would like to initiate a class action lawsuit against US Bank on my customers and my behalf. About 2 ½ months ago, US Bank had a rate special as the rest of the conventional market was going up in rate drastically, they did not. What US Bank did to stop some of their losses was to quit finalizing the loans so they would not be finished and they could cut their losses. I spoke with three managers, including one high up in the corporate office in Minneapolis. His name was Peter, and he told me that they had about $1.3 billion in their pipeline, but could only realistically fund about a third of that amount they had locked. I proceeded to tell him and the other managers that this would harm borrowers and we had locks on many of our loans. Said there was nothing he could do about it. We made every attempt to get US Bank to honor their locks and agreements, but they continued to employ stall tactics designed to make the loans go away to other lenders and lessen their problem.

I sent one of my borrowers directly to the phones of the corporate offices of US Bank in Minneapolis. One of the head people there, Peter was the person he was instructed to talk to. The manager would not take his call and the borrower was told that Peter “does not deal with borrowers” I then told my borrower to mention the Class Action he would start if he did not get his loan closed. The manager jumped all over this and called the borrower back in 5 minutes after my borrower let Peter have it for 2 hours, he gave in and closed his loan very quickly. The loan and all the final loan conditions, had been at US Bank for the previous 3 weeks with no progress, suddenly it was being moved to front of the line. When we did get paid on the loan, US Bank kept $4,000 of the $9,000 we were to receive for their “troubles”. I have heard many other brokers telling the same story and know that US Bank did this disservice to many others across the country and the scope of this case is huge. I have e-mails from another borrower that US Bank actually gave to another broker illegally, even though we were the first in their system with this loan. Many of these borrowers had to take higher interest rates as when we found out they were not going to close them the market had gone up farther. Many, many borrowers suffered this injustice and want to join this Class Action Lawsuit and that is just the tip of the iceberg. There would be thousands of people who would join in on this and were harmed by US Bank’s actions. The damages in a case like this is astronomical! We have a good amount of supporting documentation on this to back our claims.

Sincerely,

Dan Thompson

Any of you want to join my class action lawsuit I am filing? E-mail me and I will get you in touch with the attorney when we are ready. Below is my letter to the attorney in Minneapolis.

Dan

September 25, 2003

I would like to initiate a class action lawsuit against US Bank on my customers and my behalf. About 2 ½ months ago, US Bank had a rate special as the rest of the conventional market was going up in rate drastically, they did not. What US Bank did to stop some of their losses was to quit finalizing the loans so they would not be finished and they could cut their losses. I spoke with three managers, including one high up in the corporate office in Minneapolis. His name was Peter, and he told me that they had about $1.3 billion in their pipeline, but could only realistically fund about a third of that amount they had locked. I proceeded to tell him and the other managers that this would harm borrowers and we had locks on many of our loans. Said there was nothing he could do about it. We made every attempt to get US Bank to honor their locks and agreements, but they continued to employ stall tactics designed to make the loans go away to other lenders and lessen their problem.

I sent one of my borrowers directly to the phones of the corporate offices of US Bank in Minneapolis. One of the head people there, Peter was the person he was instructed to talk to. The manager would not take his call and the borrower was told that Peter “does not deal with borrowers” I then told my borrower to mention the Class Action he would start if he did not get his loan closed. The manager jumped all over this and called the borrower back in 5 minutes after my borrower let Peter have it for 2 hours, he gave in and closed his loan very quickly. The loan and all the final loan conditions, had been at US Bank for the previous 3 weeks with no progress, suddenly it was being moved to front of the line. When we did get paid on the loan, US Bank kept $4,000 of the $9,000 we were to receive for their “troubles”. I have heard many other brokers telling the same story and know that US Bank did this disservice to many others across the country and the scope of this case is huge. I have e-mails from another borrower that US Bank actually gave to another broker illegally, even though we were the first in their system with this loan. Many of these borrowers had to take higher interest rates as when we found out they were not going to close them the market had gone up farther. Many, many borrowers suffered this injustice and want to join this Class Action Lawsuit and that is just the tip of the iceberg. There would be thousands of people who would join in on this and were harmed by US Bank’s actions. The damages in a case like this is astronomical! We have a good amount of supporting documentation on this to back our claims.

Can anyone suggest a bank that has not screwed them at one time or another and guarantee that it never will?

I finally closed my personal and business US Bank accounts, and ended my 10 year history with them. I ran a report on my books and found that between 1/1/03 and 10/17/03 I had paid them $1280 in overdraft fees and services charges. A lot of these overdraft fees are bogus and brought about through shady policy.

Example #1.
You have $10 in your checking account. You need to fill your car w/gas, knowing it will only take $5 to fill it. When you tell the attendant to "fill 'er up!", he authorizes your debit card for $35 because he has no idea how empty your tank is. US Bank takes this AUTHORIZATION amount to show as the "pending transaction"- you wind up with -$25 shown as available. It's only a day or two later that your transaction actually posts as the final $5 it actually came out to be - but not before you receive a lovely $32 overdraft fee. Your account balance now is -$27.00 w/no pending transactions.

Example #2.
You have $250 in your checking account. You have written 3 checks for $251, $2, and $5. US Bank receives the checks to process all on the same day. The first one they deduct is the $251, overdrawing the account and receiving a -$32 penalty. This is followed then by the other two lesser checks clearing through, each bringing with them another $32 apiece. In the end, your balance is -$104. If they were doing things in the customer's best interests, they would clear through the LOWER transactions first - in which case you'd still pay a $32 penalty for the large transaction - but have your balance turn out being -$40 instead of the -$104 according to US Bank's calculations.

At any rate I closed my accounts. Sorta. I walked into the bank and waited in line for 12 minutes to get to a teller, only to have her tell me that I had to deal w/the branch manager. After another 5 minutes, the branch manager came over, walked right past me toward an old Japanese man who was sitting in a chair obviously waiting for his wife in the teller line, asking him if he needed any help. He, of course, answered No. Only then did the gal grudgingly ask me to follow her.

After much arguing with the lady, the business accounts were closed. I had managed the balances all down to $0, and made it easy. However, my personal checking account was standing at -$4 (thanks to more fees). I gave the lady a $5 bill and asked her, again, to close it. She said it would take overnight for the deposit to post - and she couldn't close the account until tomorrow. So I have to go back tomorrow and finish the job. Even after I had the change from the $5 bill, she continued arguing with me forever, fighting tooth and nail to change my mind. Told me it would hurt my credit, prevent me from getting loans, and just be a bad idea in general. She even had the nerve to tell me about their "5 Star customer service" policy and how she'd "credit me the $5". I told her my time was worth far more than that - and followed it up by the two examples I posted above. She didn't dispute it any further, I bid her good evening, and told her I'd see her in the morning.

John - as far as banks that DON'T screw anyone - try a local credit-union. Many of them offer memberships based on where you live or who you work for. My credit-union maintains a personal relationship with me, always credits my deposits immediately, loans me money without batting an eye, and helps me prevent overdrafts.

Hope you find something out there that works for ya.

Sean...

MAYBE YOUR COMMENTS ABOUT US BANK ARE MORE OF A REFLECTION ON WHAT THIS WORLD HAS BECOME AND LESS ABOUT WHAT THE COMPANY DOES.

MAYBE THE REASON YOU GOT PUSHED AROUND IS BECAUSE THE EMPLOYEES DIDN'T CARE, OF COURSE US BANK COULD FIRE THEM REPLACE THEM WITH OTHER EMPLOYEES THAT DON'T CARE TOO. WOULD THAT MAKE YOU HAPPY?

AS FAR AS SEAN, WHO DID THE POST AHEAD OF ME....THE GAS STATION SETS HIS CARD UP WITH A $35 CHARGE AND IT'S THE BANKS FAULT? iN EXAMPLE #2, THATS STANDARD PROCEDURE FOR ALL BANKS

BUT, SEAN LETS GET ONE THING CORRECT, YOU ADMITTED THAT YOU BOUNCED CHECKS
MY EXAMPLE #1 - THATS A CRIME!

IS THIS PEOPLE WE HAVE IN THE WORLD THAT COMPLAIN ABOUT FEES WHEN THEY BREAK THE LAW?

Sorry Jerry - didn't realize you were a perfect person with a perfect banking record. I can assume from your sin-free stone casting, that YOU carry a perfect record banking, or otherwise. Be careful next time you go to cross any street without using a cross-walk. That's jay-walking, and it's BREAKING THE LAW. I'll be sure to keep my eye on you.

To err is human, to err and deny it is a mental disorder. Jerry - seek help.

As far as the gas station example goes - the gas station didn't CHARGE my card $35 -- they only AUTHORIZED that amount. They only CHARGED the card $5. It's the BANK'S fault for not properly categorizing the activity on my card, or more appropriately - categorizing the activity on my card in a manner that will benefit the BANK.

Example #2 is standard banking procedure.... I guess my credit union doesn't use "standard banking procedure"

I'm a conservative capitalist, and I DON'T have a "death to the evil corporations" attitude. However, US Bank is a PROBLEM.

The world is the way it is because of morons such as yourself Jerry - people who add no value to anything...only empty accusations and baseless opinions.

Go troll somewhere else.

Well just like everyone else here I have been screwed by US Bank. They actually drained my account in a matter of days by charging me unwarrented overdraft fees. As of day 1 they had taken out the standard overdraft fees of $28 twice which then just started a snow ball effect to the sum of $274 by the time it was all over. Only when I contacted an attorney did they reverse the original 2 overdraft fees . Now my attorney is trying to get them to reverse the other charges due to the fact that if they had not taken out those two then none of the others would have applied. I feel truely sorry for anyone who makes the same mistake I did in choosing US BAnk as the financial institue and If I could stop anyone from making this mistake this would be worth all the HEADACHES that this organization has put me and several others though.

OMG this is scary I have had it with US bank this month and LOOK I am not alone. WOW.
Did you know their Satalite was down 2 times the first two weeks of October and they are not telling people. That is alot of the prob and THEY COULD be HONEST and just treat people with some respect But no Same thing as above aways ..... sorry there is nothing we can do.
OK that is my 2 cents looking into a different bank today.
Thanks

I used to work for the devil. A great majority of the comments found online are indeed true. The sad side effect is the majority of thier practices will be status quo in a few years.

Hi all,

Just wanted to tell you all about my horror story with US Bank. Awhile back I opened up a savings\checking account with US Bank as well as applying for a car loan. During that time the bank rep asked me if I would like to open a line of credit as well. The line of credit would basically cover any overdrafts made from my checking account. I said sure but the Rep then said that I wouldn't be able to at this time because my accounts didn't have sufficient funds so any overdrafts from my Checking would be covered by my Savings.

Well it turns out that 4 months later after I initially opened the accounts US Banks decides to give me a line of credit without notifying me. So I am a US Bank customer for 9 years and this whole time I assumed that any overdrafts were covered by my Savings account. Unfortunately I don't look at my statements but rather download it using MS Money so I don't see this line of credit charges.

So after 9 years of being a customer at US Bank I get an opportunity from my work to be a member at a Credit Union. I figure great and call US Bank up to close my accounts. They tell me it was a pleasure having me as a customer yada yada yada. I am then in the process of moving and not all my mail gets forward to me. My old landlord eventually forwards me some mail and one is from US Bank. It says they desperately need me to get a hold of them because they can't close one of my accounts even though they had told me it was closed when I last called them.

I contacted US Bank and my call gets re-routed to their collections department. The lady on the phone tells me I owe the bank $5k!!!! Then the lady asked me she needed a payment today or it would affect my credit. So at this point I'm extremely pissed because I have no idea where this amount came from. I refused to pay anything until I figure out what is going on. Well after dealing with their collections dept. for a couple of months and them doing research it turns out that it was due to this line of credit. I had filled out an application when I first set up the accounts requesting a line of credit but it was not approved until 4 months later without them contacting me. During these 2 months of research US Bank still charges me interest and late fees on this overdue amount.

So now US Bank admits fault on their end because they should've notified me. I admit fault because I should've looked at my statements more closely. But because of the application and my signature, US Bank says the fact remains I still owe them that amount. I tell them alright I will pay off the amount and make arrangements with the colections dept. I have made 7 months of payments. Well these A-holes call me each month to harrass me about when I'll be making the payment. I have paid 7 months straight and these bastards are still calling me up???? On top of that they are still charging me interest! I am so frustrated with dealing with these guys that I am taking out a personal loan to pay these vultures off! I have also sent a letter to the Federal Reserve Board concerning this issue as well as US Banks Corporate office to let them know how much they suck! I hope none of you will ever have to deal with US Banks collection dept or go through this type of situation. I apologize for the long post. Believe me I could've gone on.

Jeff, i feel you man! had the same thing happen to me. I deposited an in state check to the bank on sat morn. then
i spent money of monday. thought i was fine right. well i would have been had usbank not hold the check minus 100 dollars until thursday. thursday!!!!! is a long darn time to hold an in state check. we had a total of 242.00 in overdraft fees. all we got from stupid 1800usbanks was nothing but you should have known! so i asked on what date did you change this policy and when did you begin notifying customers? no one could answer this question for me!! eventually i was lucky enough to get a brach assistant to reverse the charges with me explain the procedure to me. even though she does admitt that since we were long time customers there should be no waiting period for deposited checks as long as they are in state. till this date they still hold my measely 300$ from mcdonalds fro 3 days
amber

hi you all,

jeff, i know what your wife is going though, i used to work at usbank and i was a personal banker, the branch manager there was very mean, disrespectful, and overall cruel to the customers and employees, i was laid off just because i complained to the hr people in the corporate office, about the way he was protraying usbank, and how he was treating the customers, i feel for all of my customers that have to go though this, again, i want to thank you for giving me the opportunty to air out my anger.

Brenda,

You were FIRED, not laid off, because you are a TRAITOR, not because of some bullshit youre claiming. I know you, and we treated you very well, paid holidays, all the OT you want, good pay benifets 401K stock options, and you turned out to be a traitor. Good luck with your trailor and your illigitimate kids.

USBank_employee@yahoo.com

USB is a professional outfit, geared toward the professional customer. NOT for children who cant balance their books.

Cool Beans!

Dave you are at Numbers 1 and 2 for "U.S. bank sucks" on google.

Sadly you are only ranked 31st for "u.s. bank"

Let me get this straight...

You "loan" a bank your money by opening an account and making deposits. The bank then uses your money to loan out to other people on interest returning loans, invest in securities, and other financial vehicles - the bank can be said to "profit" by this activity. So, after you loan the bank your money - you also get to PAY them for this priviledge. How convenient!

The next time I take out a loan somewhere, I think the loaner should just kick in a few hundred bucks extra just "because that's the cost of doing business with me."

What a crock of horsesh*t.

Hello all!

I really can't understand all the bashing towards one bank. I've never come across anyone who has been rude at US Bank/Firstar. I've come to trust them with my finances and have built very stong friendships. Why punish all the employees for the mistakes of a few. As far as I'm concerned you wouldn't have problems with US Bank if:

1. You kept a checkbook register.
2. Don't spend more than you have
3. A blank check doesn't mean you have money.

Thanks for your time =)

Steve, glad you've had good experiences thus far with US Bank. That clearly influences your judgment of them, just as the negative experiences that various folks here have had influences their judgments.

Of course, it should go without saying that basic financial responsibility must be part of the customer's side of the relationship. And taking responsibility for one's actions is very important.

That being said, the problems that folks describe about US Bank, beyond what their own personal failings have been, if any, are people at various levels within US Bank being unresponsive, deceptive, or inept in resolving problems that have occurred, whether originating with the customer or with the bank. I am certainly not asking US Bank to make money magically appear in my account for free if I overdraw on my account, I do expect that they'll keep accurate records, inform us of any obvious problems, and, when sought after for customer service, return calls that they promise, follow through on actions they commit to, and work to resolve problems they've introduced into the process to the customer's satisfacton.

I understand some of the comments made by individuals working in customer service and how some customers avoid responsibility. But to assume that is the case for every customer is just plain shitty customer service. I keep accurate records, balance my account every day, and pay my bills on time. But it seems that in the past few years, I dread making calls to a "customer service" center. I have to take a few deep breaths and be very careful what I say to the "customer service" rep on the other end in order to avoid the assumption that I'm just another idiot customer wasting their time. God forbid I ask a question that's not on the script. The computer is always right. Even if I ask why a policy is implemented I get the "unfortunatley ma'am response, which is roughly translated into "go away stupid bitch".

I am a calm, warm, spiritual person in traffic, in stores, and towards people that I meet. I never call a customer service center with the intention to bitch, but to solve problems. Especially when we are dealing directly with my hard-earned money. But these calls are so demoralizing that I spend the next hour trying not to cry from frustration. I know that I'm not alone.

Please, someone tell me how customer service reps, particularly at US bank, are trained. By now I know to be nice, but I have had some of the nicest and reasonable people help me and some of the absolute worst.

I was particularly disturbed by the story of the collection agent. I have an excellent credit rating, and all it takes is a bank with policies set up to serve the bank and rip off the customer, and a call center full of low-paid- script reading employees to turn the universe upside down. Things have gotten crazy and out of hand- trying to keep from being bled dry is becoming a part-time job. I am simplifying all I can this weekend- one consolidation loan with a credit union, US bank is being fired, and I'm looking for other ideas. I'm exhausted. Isn't this what these companies are hoping for? Seriously.

Steve,

obviously you don't know about the new policy- when using a checkcard the balance posted via phone or website will reflect the total balance available, but US bank has an entirely different balance, making it extremely difficult to know what is going on unless you call customer service every day, which I have been doing lately. I take it that you also get paid on a regular basis- this really does make life easier. I am self-employed, however, and am constantly making small check deposits, and their check holding policy makes life very difficult for me. I probably don't have a large padding of extra money- it sounds like you have the luxury of a steady paycheck and a nice fat savings account. I'm struggling, but still paying my bills ON TIME if it KILLS me. I really resent comments like this- I try very hard, and their new policies translate into about 2 hours each day in order to keep on top. Believe me, I am a conscientious person to the point of having a constant headache over this stuff. I don't trust any of my balances anymore, paper or electronic. I'm afraid to spend $5 on gas before calling customer service, and I never know when funds are available from a check deposit from one deposit to the next. I have never had this problem before August. Before you try to lecture me on responsibility, please remember that being newly self-employed is like being on the edge all the time because you never know when you are going to get paid, you just do the best you can. Since I like to pay my bills on time and stay sane, I'm firing US bank.

Please check out some of the other complaints to see what US bank has been up to lately. Their service has declined considerably since about August. Did you know that you can actually go into overdraft if you have money in the account? You really don't think that US bank has changed their policies in hopes of making big bucks from fees and bogus overdraft charges? How come there are fewer and fewer tellers and longer lines?

When I deal with my credit union, they have actually alerted me to their own mistakes as well as my own, as well as those that you don't really blame anyone for, you just solve them. I have peace of mind with them, and I am relieved to be dealing with real, live human beings, knowing that my register and what they show match and I know exactly what is going on, and that the employees are knowledgable and treated well.

This is a real problem and we are all working on ways to solve it, and I feel it is my responsibility to let others know what actually goes on, even if I have to sit down with a register and show them visually. But let's be honest, it is necessary to keep meticulous documentation that goes way beyond keeping a register when you make a lot of small check depoists, electronic transactions, and are dealing with a bank that is tweaking the system to their advantage, like a casino does. You really have to watch US bank like a hawk, and keep records of conversations with customer service reps both on the phone and at the branch level. I don't have time for their crap, and I'm not in business to have US bank bleed me dry. I feel optimistic, thank god, or I would have given up by now.

Thank you for your time.

I've been doing buisness with a small midwestern bank for the past 7 years and durning the past 2 years their service has fallen off, so much so that we've decided to look at alternatives. I stopped into a USBank office today to review their products and services. Granted it's the week of new years but hey, they were open but no one was at the customer service desk. That's odd I thought, only a sign up sheet. So I signed up and waited, and waited and waited. Finally someone came up, looked over the sheet and started reading names, there must have been about 15 and most had left. There was this women sitting there and asked if so & so could see her now. How long have you been waiting he asked, since 1 she replied, it was now about 3:30. Well he's in with someone (I don't think he was) and this guys leaves again.

Now understand I was thinking about moving a large sum to their bank, not now!

First: Steve, JJ and HR are all the same US Bank employee paid to track down negative comments about USBank on the internet and discredit them. The slimeball's email address is USBank_employee@yahoo.com. We know; we've been dealing with him at our web site.

Second: The level of customer complaints involving U.S. Bank has increased about 10-fold since this time last year. They really are getting worse.

Existing customers, and people considering doing business with U.S. Bank should read the above comments VERY carefully. They represent the truth, and they are not the result of stupid or unethical customers. Just a very screwed up, greedy, and incompetent bank.

Then people should go to www.usbank-5starscrewed.0catch.com to get the rest of the story: The whole truth about US Bank.

This company thinks its customers are stupid and lazy. They really think that having lots of "convenient" branches off-sets sub par customer service and products. They even say so intheir current national "image" campaign ("The most convenient bank in America").

Lastly: The Five Star Guarantee is a sham. If you can use it against them, like "stuck at us bank" (comment above), great for you. Stick the greedy bastards for all you can take from them. But be forewarned that the guarantee will disappear the minute you have a real problem with this bank.

Think they didn't live up to the terms of the "guarantee"? File a complaint with the Federal Trade Commission (FTC). It's called deceptive and/or false advertising. You can find a link to the FTC complaint page from our web site (www.usbank-5starscrewed).

US Bank is a SUCK HOLE Bank. It treats its employees like dogshit. It treats its customers even worse. All the while the Grundhofer brothers and their friends skim off tens of millions of dollars each year into their own pockets.

Now you know the truth. Do the rest of your research and decide for yourself.

And don't be swayed by the Grundhofer propaganda nazis that are trying to spread their disinformation and discredit the people that know first hand how bad this bank really is.

[All of the above has been my personal, constitutionally-protected opinion about how crappy US Bank, its senior management, many of its employees, and most of its out-sourced contractors really are]

For what it's worth, JJ and HR do indeed have the same underlying e-mail address (and same IP address). Steve does not (which is not conclusive, one way or the other).

I think I posted this on another page, but I want to make sure US Bank gets all the bad publicity they deserve. In the past week I have had 15 overdraft charges. Now if I had written 15 bad checks or made debit card purchases and not had the money to cover them when the merchant came to get their money from US Bank, that would be shame on me. However, these were 15 charges despite the fact that I had money in my account to cover every last one of these items. As many of you may know US Bank recently started a policy of making funds from your account unavailable at the time a debit card purchase is made rather than just taking the money out when it is actually presented for payment. So, if you make a purchase with your debit card on Monday, the funds are immediately unavailable, even though the item may not be presented for payment until Thursday. If you have items come through Monday night, since a portion of your money is not available to pay these items they may bounce. If you deposit money into your account on Tuesday, it's too late. Now ideally one would only make debit card purchases if the money was actually in your account, but part of having a checking account is convenience. So I paid a bill Thursday night that I needed to pay immediately and transfered the funds into my account on Friday morning and have been bouncing ever since. What is so funny about this is that it's sole purpose is to collect fees from even careful customers. It has no other purpose. It benefits no one and actually could not be done at a small bank since it could destabilize them. Here's why - by manipulating my "available balance" in this way, the bank is making it more rather than less likely that a customer will not have the funds available to pay the debit card items when they are presented for payment. In a case like mine, the money I transfered into my account to cover was debit card purchase was diverted to the bank to cover their overdraft charges. Now, instead of having money to pay the debit, my account already has a negative balance. So where is that money coming from? Well, the bank is assuming I'll just dump more money into the account to cover it. But what if there is no more money - then they are stuck with either sending the debit item back or paying it and trying to chase after me for the money. US Bank can afford to play this game because they're huge, but most consumers cannot. In the previous system as long as there was money in my account to cover items presented for payment everyone was happy - I got my goods, the merchant got their money and the bank played their proper role as go between. If I made a debit card purchase and came in and cleaned out my account prior to that item being presented for payment the bank always had the option of returning the item unpaid, even though they had authorized the charge at the time of sale. The one and only reason for changing the system is to widen the pool of customers paying overdraft charges and increase the number of overdraft charges they can collect from any customer caught in their net.
They are using a legal loophole to do this, but we are going to be talking to some lawyers in the next week about looking into the legality of this practice and the potential for a class action lawsuit. If this turns out to be a possibility I will post it here. Also, I am writing to my congresspeople and house rep. to urge them to look at this issue and close this loophole. I would urge anyone else who has been affected by this malicious policy to do the same. I am also going to contact the Office of the Comptroller of the Currency to file a complaint and ask for a review of rules. Their website is www.occ.treas.gov We are closing our account as well and will probably try and get a letter to the editor published to encourage others to stop doing business with them. It may be a losing battle, but I'm going to make it as painful of a battle for the bank as possible.
For the couple of people who seem to think only irresponsible people have these sorts of problems, I would ask them to consider this - I have heard from many, many people who say they never had problems with their account - never bounced a check or had an error on their statement until they either switched to US Bank or their bank was bought out by US Bank. I find it highly improbable that these folk lived their lives as paragons of responsibility and then threw it all to the wind just as US Bank entered into their lives. Heck, just go to a site like complaint.com - complaints about US Bank outnumber complaints about other banks by a long shot. Hardly a coincidence.

Let me just say, I am an employee of USBank. I have also been a customer of Firstar/USBank since 2000. I have had minor problems in the past, but I fixed them on my own when I realized they were my fault. I wanted to first apologize for some people getting the run around with customer service. I work in a small town branch and have had some customers have the same kinds of issues, but please do not blame everyone in USBank corporate-wide. We try to fix these things for our customers, but we also get the run around. I personally spent the last week and a half fixing a customer issue created by someone else within my branch... only to have someone else along the line make a mistake... after several days working with my assistant manager, everything was taken care of. Sometimes people have bad experiences because the people they dealt with did not care, but I feel like when people complain they are also judging me because I work for this company. I care about my customers and have had several of them tell me they would have left if they hadn't hired me.

Secondly I would like to post a comment about a policy of ours, so that it might be cleared up. With all banks, we cannot be guaranteed that funds from a check drawn on another bank are cleared, so we give 100 dollars immediately available from the total of checks deposited that day. Every bank does this... it may not always show, but EVERY bank does this. As for our check card policy... this was implemented not only to help you, but also to help the businesses who accept your card. I know personally that people make purchases with their debit cards before they make deposits into their accounts, -this is called kiting, and it is ILLEGAL. The whole reason behind the check card policy is to make sure the merchant will be paid and that you can continue to go to that merchant and make purchases with your debit card and/or checks. I know for a fact that if you can see a debit card purchase will put you into the negative if some items previously made clear.... you can go in and deposit cash to cover that item and your account will be fine. If however you wrote out checks to pay for things and then made debit card purchases thinking, it's ok I can just go in in a couple days and make a deposit, it is more than likely too late. Keep accurate records and maintain a current balance in your register.... and even go in and ask someone at your local branch to explain funds availability... if they are anything like the people at my branch, they will take the time to show you. Most of the problems with overdrafts we see come from people who do not find it that important to keep a check register. I say this as well, you will not find a single bank that does not do something to make you angry at times... but for the most part all banks policies are similar.... and if you go into another bank thinking that will solve your problem... you might encounter the same things... or even worse... because making purchases on uncleared funds could send you off to meet someone a little less pleasing than your local branch employees... I don't know, but meeting a police officer with handcuffs labeled just for me is not what I would want.

Ted,

Oh please! Do you really think the cops have the time and the resources to arrest someone who is purchasing groceries at noon on Wednesday with their debit card when they know their direct deposit comes in at midnight? Or someone who mails a check two days before funds are available so they can pay their bills/mortgage on time in order to keep their credit ratings and interest rates stable? If US bank doesn't get you, Citibank will. C'mon, dude, get real. This is why banks have overdraft protection accounts and charge overdraft fees. Why arrest a customer when you can make a buck off them? It's about profits for big corporations. I have to ask, Do you live at home with mommy too? Does your spouse do your accounting? Have you ever been in a situation where you had to write a check NOWso that your interest rate didn't go up to 27% ? Do you have any idea how much it costs to be even one day late on a credit card payment? Did you ever have to wait for payment from a client? Have you ever been in a situation where you had NO IDEA how long the bank intended to hold the check? What about automatic withdrawls? This is a part time job! I keep my register updated every day and my head still spins! Did you ever have to call customer service to find out if you can authorize funds to put gas in your car? Do you know that the balance you get over the phone or via customer service is often quite different from what funds are actually available? It's getting ridiculous, and there has got to be a better way. Even having a real person to talk to (my Credit Union) who is reasonable and willing to work with me is better than a bank where the fee guzzling computer is king. Don't EVEN try to lecture me about this, I don't think you have a grip on reality. As far as convenience, it doesn't seem to have occured to US bank employees that credit unions have service centers and online banking options, and the balance you see is what you get. Amazing concept.

The cops have the time and the resources to arrest someone for passing bad checks... I personally have seen it happen... before I ever started working at the bank.... USBank didn't make the rules when it comes to kiting, we are just federally required to follow the rules... It's not about making a buck either... I have to think, what would I rather have? A check be cleared from the bank and have to pay a 29-31 or even 33 dollar overdraft fee? OR would I rather the bank say, nah don't pay it... it's a bad check... and then get hit with a 25-30 fee from that place of business on top of a 29 dollar fee from my bank.... on top of most likely not being able to write checks or use my debit card at that place of business again... I would choose saving face and let the bank pay it. To each their own though... and if you are happy with your credit union then so be it... I am sorry the company I work for could not do everything it possibly could to help you. BTW I do not live with my mommy, I am NOT some guy named Ted (I am a girl thank you very much), I am not married, and I am only in my early 20's. I knew how to keep accurate records in my checkbook... and that was even before I started working for the bank... I have bills too... I understand that you may not understand all our policies... but as I said... please do not bad mouth the company... It is my bread and butter, how I pay my bills each month... when comments are made that USBank sucks and so on... it seems like everyone seems to direct it right at the front line staff, the ones in the branches...I work hard at my job... and I feel that every customer who comes to me with a complaint or an issue is a priority in my book... and I take every matter personally... I always make sure that I personally call someone to make sure I resolved their issue as well as to see what else I can do for them.... It's the experience that sucked... not the whole! Not everyone who works for any bank is out to get you... some of us really do care.... and again I say I am sorry that USBank could not do everything it could to help you... but if you are happy at your credit union, then I wish that they continue to provide you with great service...

Give me a break. What US Bank does best is use small "technicalities" to stick it to their customers. They make massive amounts of money in fees and services charges alone. Any business that's out to make a profit is going to find as many angles as possible. So, to sit there and say that US Bank is just an innocent party enforcing federal regs is just laughable. I guess the fed is just really tough on poor, old US Bank...isn't it? I've not experienced -ANY- of the US Bank-esque technicalities since I've been at my new bank.

Life is much better out from under US Bank's thumb.

I am an employee of U.S.Bank. When I started 15 years ago, we were First National, then Firstar, Now U.S. Bank. I am also a divorced mom supporting my child soley on my paycheck. Until "THE MERGE" I loved my job, the people I worked with, and going to work each day in general. Now, here is my U.S. Bank horror story. I became critically ill one year ago. I could not walk or talk. I was on company disability for 5 months. Of course, the disability usually did not pay. Well, even though my Drs. said I would never work again, I fought my way back to working 30 hours a week. My car loan is also through U.S. Bank. Here comes the scary part.... I arranged to have my car payment automatically taken out on my first paycheck, well to my suprise I worked 60 hours and was paid $82.00. I called payroll and they said it was correct. They subtracted out my disability pay for 2 weeks. I AM NOT ON DISABILITY!!!! I AM WORKING!!!! They blew me off. I frantically called our instalment loan dept., explained the situation and asked that they NOT take my payment out until the next day...when i was SURE that this would be straightened out. They said, sure, no problem... well they DID take the funds out, overdrew my account, and I am STILL being charged overdraft fee's as we speak. I believe the total is $290.00 now. payroll refuses to talk to me, Human resources does not return my calls. Now, I realize that since we became U.S. Bank, that employees are treated like trash, but this is THEFT!!! I am excellant in my profession, dedicated as are my co-workers. (we all work in a processing center.) But you are right. EVERYONE in Ohio hates U.S. Bank! If they treat customers half as badunderstand why they have not gone under. I am ashamed to say that I work there. I told Human Resources that i will have to get an attorney to help me get my pay and reverse their charges, so I will probably be fired, BUT as my co-workers have stated.."what difference does it make when they are not paying you anyway" If there is anything I can do to assist you in taking them down.. LET ME KNOW!!!

i have worked in a few big banks ( 5/3rd, u.s. bank ) i'm sure some of the problems are genuine / people are people / some work hard wherever they are, some don't / i can't help but think most of the complainers (based from my experience) are full of half truth / typically, people want to have fees and such waived, when they make a mistake, but want to hold the lending & financial institutions to the letter / by the way, if a lein is being held on a second mtg (supposedly) paid off by the lender, the company that recieved the payment is the one holding the lein / it has nothing to do with the bank / get a good title lawyer, that is what needs to happen here / the title lawyer will let you know what lein is recorded @ the county, and you may address it from that angle / it would be much more effective than spending hours on a web sight that promotes yourself, while providing no solution to the situation / I GUARANTEE IT! *****

Come see my mess! They screw you on leases too!

US Bank does not give a sh*t about anyone but themselves. When I first opened my account they neglected to tell me that for the 1st month when you make a deposit, even if it's a payroll check from your work, the funds aren't available for 10 days after the deposit. How can they hold your money like that? AND THEY WILL NOT CALL TO VERIFY FUNDS EVER! They have charged me many overdraft fees and done it in a way that make all off my checks bounce resulting in $100's of dollars in additional overdraft fees. Sometimes they will give me a credit for them, other times not (when they put them in order to be able to f*ck me over when the go through) On their website, half the time it's not working and when it is, they do not even have correct updated information or all of the information posted. Oh and another thing, about 3 months ago I made a $100.00 cash deposit in my account, which covieniently just didn't show up and they had no record of, I had to wait a whole day while they went through their teller video tapes and other stuff, and then they still didn't know how to fix it when they finally proved that i did make the deposit. Another thing is, is that calling their customer service number is pointless,