US Bank Feedback - US Bank Complaints

Recent complaints:

I am a Vietnam Veteran widow, disabled and cannot work. I only receive a DIC pension. My pension is Direct Deposited is to be available every thirty days of the month and no later than the first of the month, given February of any year, which is an exception. I have received this monetary award for thirty-five (35) years. US Bank will not credit my account until after 3 p.m. on the First of the Month, when the funds are in the account by the 31st or 29th of the month. If I make any purchases before 3 p.m., I am charged an Overdraft Fee. I have nothing to live on this month and cannot purchase my prescriptions, pay rent, buy food or even gas to get to my physicians, etc. I do not have check writing privileges nor do I own paper checks. I only have a Debit ATM Card. To date, US Bank has intercepted and confiscated my March 2008 VA payment, and has assessed my account $583.00 in fees. The total purchases to my account is $1546.90 (two charge I disputed because I did not make the purchase, but US Bank put this "non pin" purchase on my account on 2/1/08 after my deposit then assessing me an overdraft charge of $31.00. They did not apply this credit until February 27, 1008. My total deposits for the month of February 2008: $2803.00. I took two Checking Advances on my account in the amount of $500. The Checking Advances turned into Checking Loans, which US Bank charged me $50.00 for 18 days! The loan repayment was not to be due until March 17, 2008 and March 21, 2008. US Bank removed my funds on March 1, 2008! Each time I would take the advance, US Bank sucked it up with erroneous and continual Overdraft Fees! Purchases (debits) are not credited to account until four days later. When I asked Rochelle, US Bank Specialist about this I was told that it took that long for the "Paperwork" to get to them before they could post to my account. I spoke with Lisa on 2/24/08 and Lisa stated that she would send me the Dispute forms for alleged charges against my account. I never received them. I spoke with Devin on 2/28/08 regarding the forms not arriving and he told me that the merchants had already refunded my money and it was posted to my account. I asked him "which merchants", and he told me all he could see was Walgreen's for $3. The Over Draft charges were not reversed. On March 1, 2008, I went to the ATM and my card was frozen and the message was that I was performing an illegal action. When I called and spoke with Brian and he told me that it was because of the Overdraft Charges on my account is the reason my card was rejected. When I went to US BANK to withdraw my money and close the account, US Bank had taken taken another $550.00 from my account! It doesn't take a rocket scientist to look at my February Statement to see the manipulation and trickery of US Bank in the way they post credit and debits in order to generate more fees! This has left me unable to purchase my heart medications, food, rent, etc. US Bank feels no responsibility to return my money! RG

I have tried for 2 days to make a payment on my card and us bank is the most unfiendly and hardest to access of any that I have experienced. BH

Sick of US Bank...I am disgusted with the services and customer support I have received from US Bank. What can I do to protect myself as a consumer.?. I am already planning on closing my accounts. Looking to make contact with others who have had the same negative results from banking with US Bank. TJM

You're definitely not alone...we've closed everything but had to keep the checking open for our home equity mortgage payments to be automatically withdrawn (stiff penalty we've found if we stop automatics)....but we're looking to refinance anyway...because we don't trust USBank with our mortgage...penalty or no. We do not use our checking for anything but that. We have been ripped off by various and many large fees for small overdrafts and daily fees from the resulting negative balance we couldn't pay off. My wife left in tears one day because we couldn't pay off the 400 in fines from a 40 dollar mistake on our checking....pricipitated by a deceptive online banking page that requires drilling into statements at three levels to find out we really don't have the available balance they say up front....then having the manager of the bank send us on a guilt trip because it was our fault in the first place wasn't it....that guilt trip tactic is perverse...certainly it always starts with a small mistake on our part...but the resulting fines and fees are outrageuos...criminal. wish someone could put together a lawsuit...don't know how to do that...I have documentation though. JH

I had a business card account with USBANK but the business failed and the account turned delinquent.I went into the bank and explained that I had a severe cash flow problem but would shortly be receiving funds from an inheritance. They allowed me to open a personal account even though they said it was against company policy. I deposited a small amount of cash and was maintaining a positive balance. Then I received a letter from USBANK saying that because of my lack of effort to make any payment to the delinquent account they had withdrawn $140 from my personal account and applied it towards a payment on my delinquent business card account. Consequently my account went into a negative balance and I started to receive the usual penalties. I have recently been led to believe that what they did was illegal and a violation of the truth in lending act. Can anyone tell me if this is true, and if so how do I go about reporting it. Thanks, FS

Another way 5 star sticks ya! Just received my annual renewal notice for safety deposit box. New price is $15.00 for the box. $10.00 for the invoice! What's wrong with this picture. All my accounts are going to be closed. 23 years as a customer at same location, and this is the thank you. Also a victim of the over draft charges on a positive account balance. I won that one. The 5 thieves had to credit me back $127.00! Print screens are a good tool to have in court if needed to go that far! C