US Bank
Reviews and Complaints

As a long-time customer of Union Bank, I feel compelled to share my recent experiences. The service has deteriorated rapidly, with constant issues like fraudulent charges triggering card locks without prior notice. This inconvenience disrupts auto payments and forces card replacements. The lack of grace periods on promised benefits adds to the frustration. The incompetence at the Oceanside branch, where deposits are mishandled, is alarming. The bank's disregard for customer hardships and lack of accountability are concerning. I urge caution to anyone considering Union Bank for their financial needs.

US Bank has been with us for years. We appreciate all the hard work they've put into helping us out as customers. Our family has been with US Bank since I opened my first account at 18! We love the bank and they're all over, especially if you look around. Some people don't know it but they do offer locations in Hawaii, especially if you look through yelp and 711. Thank you again for everything US Bank!

Emily in idaho is a perfect professional customer service rep very nice interested i'm my issues sometimes u get junk especially from zulily ur credit card firm doesn't want u 2 get ripped off so some1 like emily will help u write a complaint including all the issues necessary 4 a positive outcome & use the banking system 2 help u thanku emily a real asset 2 us bank give her a raise & promotion xoxoxo:-):-)

They relay you from one dept to another with a simple question.
Some of the workers scold you and cut you off when you talk, saying you signed the contract, when all you did was ask why the apr is so high.
There are various fees that they can change at any time and they won't reverse fees on things that are out of your reach, even when you pay in a timely manner.
I've been with this bank 17 years and I'm sick of it. I feel like they're stealing from me.

I've been with them for 15 years. They treat me like I'm an important client with money. I'm not. I'm disabled. I love the small town feel I get when I go in a branch or call on the phone. They have treated well and helped me when I didn't think a big bank would. I'd recommend that you should take the time to go into a branch and ask them what they could offer you. Tell them what you're looking for, and they will take time to show you around and help you find it.

From the branch to the 24 hour customer service reps, this institution seems to care about their customers, not just lip service to get you to open an account, they actually deliver great service. The branch manager held my hand through a nightmare situation with citi bank, they understand everyday people and their needs. I feel very comfortable and secure with his institution. Thank you US Bank, what a relief to bank with an institution with integity and real commitment to servicing customers needs.

I had US bank and they like to charge overdraft fees and switch dates around so this can happen. Make sure you always keep you receipts and monitor your a count daily. Since this issue I had automatic payments coming out and it messed up my credit. Also I went in to explain and show the manager as well as staff the issue and they did not even let you explain at all they were rude and thought they were always right. This is why they are going to be sued. I have four printed out statements all of them read different so be careful to choose different bank.

Went to my home branch. Asked for in person help in applying for a secured visa prepaid (have $20 k in my checking, requesting $1500). Sat down w the assistant Mgr, face to face. She helped me walk thru the online process for applying. Spent 45 min going thru the process. Cool. Done. Told I would get a letter in the mail. Well, no mail came. Why? Wtf. Spent 50 min on the ph (5 ph calls 4 couldn't hear the rep on the other end even tho the auto menu voice is 100x louder), then being transferred from banker to card services to banker to other representatives. Finally, found out my application is not even in the system. So $#*! you US Bank. I'm shopping for another bank.

As I mentioned they're fraud team has locked me out of my accounts and all my monies left me stranded for days a new update my bank calls me just a little while ago and my banker what a wonderful person she is was concerned and made sure that I am aware that my account has been reopened and back in full control of myself thank God for good bankers I just think they're fraud team needs to be more quick at judging and getting things shifted and put back in control because it sure took an awful lot of days like the pandemics over get off of it get back to work people I don't know why it would take three full business days before they can release my funds somebody on the front end decided to make a decision over addresses but didn't want to follow through with releasing it after my banker and her manager had tried getting in touch with these people my banker and her manager were even ignored for 2 days over this and thank God for good bankers who helped me with a Band-Aid yesterday towards getting some of the salt out of my wound of being stranded so yes my bank has released my funds back to me and all things are good and back on track thank you to the Lakewood banker branch and the battleground Branch for helping me through the rough moments

I've been banking with US Bank for over 18 years, and unlike many banks (TCF in particular... who's process may have changed by now since they got sued over it) US Bank counts your deposits first, checks or debits against your account second. If you know how to use Google, and you can find a branch by you, you will get the help you need.

The statements by Joe B. Are insanely false and ridiculous. I have 2 checking accounts, 3 savings account and 2 US Bank Visa cards, I've never had an issue doing what I needed to do with regard to any of these accounts, and if I did have a question, they were easy to reach and always helpful.

I am NOT currently a fan of their mobile app as they've kept updating it to a point where bill pay is messed up, but otherwise it has been most useful for transferring money and managing my balances. I've traveled the country and never had an issue getting money when I needed it, or handling my finances. And the bill pay on their website has helped me manage my monthly payments (house, utilities, loans) with ease, which was suggested by a US Bank customer service rep.

And just for the record, I've been buying groceries (and countless other things) at Walmart for 20 years... guess how I paid for it.:-)

In general, over 18+ years, I can absolutely recommend US Bank. And no, I don't work there, I'm just a customer who opened an account there because it was across the street from where I worked at the time. I've always received the help I needed.

But to be clear, if you suck at managing money? NO BANK is going to be your savior!

My name is [redacted]. Today I contacted Union Bank to inquire about any pending deposits on my account. The customer service representative assisted me efficiently. Her professionalism, courtesy, and respectfulness truly enhanced my experience as a Union Bank customer. It's employees like her that reinforce my decision to bank with Union Bank.

My boyfriend and I just bought a 10-acre property. We worked with a fantastic mortgage team. If you need top-notch professionals to make it happen, then I highly recommend them! We were extremely satisfied with the service we received! This purchase wouldn't have been possible with anyone else; we really put that to the test. No one worked as diligently as they did to get us into our dream home. We are immensely grateful to this duo!

People should be aware Union Bank uses deceptive bait and switch methods in their mortgage business practices combined with uncompetitive rates and poor service. A very large misrepresentation of over $8,000 was revealed to us after they took a $550 fee. Due to lower mortgage rates, we initiated a refinance process with our bank of over 35 years. We were told due to our large deposit relationship with Union Bank, we would have a special lender credit covering all loan-related costs with almost $2,000 in addition to apply to pre-pays or lower the loan amount – our choice. Because of this attractive promise our son and daughter in law also started a refinance process with Union Bank. We were both promised this would be confirmed with a formal quote to us right away from day 1. Nothing came. It took 2 weeks to receive a formal quote for son/daughter-in-law and a month (four weeks!) for our first correct one after multiple requests, more promises to respond, a meeting weeks after we started this process where many times our mortgage representative (Julie Nickerson, Assistant Vice President – Encinitas, California branch) deflected from answering this direct question about loan-related costs talking about other things, never answering our basic question. We also had limited response during the process. Many of our calls and email messages went unanswered and repetitive promises of responses that never came. We received a voice mail from Julie apologizing for this. When we did receive a response it was largely excuses avoiding answering the main question (what are the loan-related costs?). Our son and daughter in law experienced the same poor service. When we finally received our correct ‘Closing Disclosure’ for a 3.5% rate about a month after we started the process there was no lender credit and in fact, $6,359.35 in loan-related costs (not pre-pays). This misrepresentation was over $8,000! We didn’t change our minds on the rate option - another attempted excuse. All options turned out to have very high loan-related costs. Our son and daughter in law had a similar surprise when they finally received their formal quote. There was no misunderstanding from either of us. I was a University Economics professor with about 8 mortgages over 40 years. Our son and daughter-in-law (Masters in Business Finance) were clearly explained and promised this same relationship discount in separate conversations from us and they received a confirmation email response. If Union Bank had been truthful to us or even provided formal quotes to us quickly as promised, and is standard in this industry, we would have moved on and all our troubles would have been avoided. This huge misrepresentation ended up being a classic ‘bait and switch’ to get us to move forward based on now realized misplaced trust we had for Union Bank due to dealings for the past 35 years. Unfortunately, because of the good deal offered and because of our long relationship with Union Bank, I trusted Union Bank and advised my son and daughter in law to also work with them. They deceptively took a $550 appraisal fee from them and immediately ordered an appraisal before any paperwork was signed to lock us in prior to receiving any formal notice of the huge change in the deal. Both we and our son and daughter in law are very high-qualified mortgage customers. My wife and I have extremely high credit ratings (830), 40 years of paying mortgages without missing a single payment, good income & assets, extremely low loan to value ratio (24%), no consumer debt, complete confirming documentation provided within 24 hours, and no other issues. Other mortgage companies have told us we were star customers. Due to the poor service we received from Union Bank and during the long lag of receiving a formal quote, we searched the industry and found a mortgage refinance from Metropolitan Home Mortgage (dba Intelliloan) for 3.25% with a lender credit of $2,427 resulting in just $312 in loan-related costs. They provided formal quotes within hours and responded quickly to our inquiries. We communicated this to Union Bank and were informed they could not match it. We decided to move forward with this much more favorable deal after experiencing our ‘special relationship’ with Union Bank was just a frustrating bait and switch deception taking advantage of our trust from our over 35-year relationship. Our son and daughter in law also took advantage of the same deal resulting in about $900,000 in high-quality mortgage refinance business lost for Union Bank. We requested Union Bank to refund the $550 fee because they deceptively and quite dramatically changed the deal promised. We copied the Encinitas Branch Manager on all correspondence about this problem completely informing her of this very poor and unprofessional service. We realize people do make mistakes creating this misleading experience with Union Bank and were requesting no favors for us. We did not ask anything for our stressful frustration and time, just for Union Bank to do the right thing and repair the direct financial damage caused us due to this deception. They refused. As we informed Union Bank if they did not do the right thing, we have decided to end our long relationship with Union Bank removing over $400,000 of deposits to seek an institution worthy of our relationship. From Union Bank we experienced deceptive methods, uncompetitive rates, very poor service, and no responsibility to make things right. The final response from our Union Bank representative, Julie, after informing us Union Bank refused to refund the $550 fee was: “I will consider this matter now closed.” – arrogance, no apology, no remorse, no caring... not what anyone should be subjected to!

I like to go into a branch and do my banking in person. The staff have always been great. However, the Union Bank Credit Card Department gets a thumbs down. I have had numerous problems with my credit card being frauded, while my other credit cards have never been breached. So, security seems thin. I do always find out about the fraud quickly. However, one time, Union Bank froze my credit card. The fraud was resolved within a month but I was uniformed. I called multiple times and no one was able to tell me what was going on with my account. They all told me there is only one person I can talk to about my credit card and that person was never available and did not return my calls. Union Bank left me hanging for months with no answers and no card until a conscientious employee straightened out all the fees and fines I was being charged on a balance that had already been cleared to $0.00, and found the fraud had been resolved months earlier and this employee was kind enough to send me the new credit card I was supposed to receive months earlier. This is a lot of work on a customer's part.

Us Bank is a bank that I have been with for many years. I have never had any problems with them, even though there is no Us branch in the Dallas/Ft Worth area of Texas. I have deposited thousands of dollars with them over the years. However, I recently had a problem when I could not change an autodraft to another bank from Us Bank. I went ahead and paid the payment ahead of time and asked the representative to not draft the payment again. That is with State Farm Insurance, which are the ones that referred me to State Farm Bank and then changed it to Us Bank. I saw that there was a pending charge, a double charge from State Farm Insurance, so I signed up for overdraft protection. Unfortunately, I got hit with a fee that was almost $40.

I spoke to both sides, State Farm was to reverse the charge back to Us Bank, but instead, they sent it to my son's account that caused me to get another overdraft from Us Bank. I called and spoke with Tamara at Us Bank on 05/04/2023 at 9:40 am. I went over this and asked if she would waive the overdraft fee as a one-time courtesy, she said no. "I can not do this" when I asked why, all she could say is I can't. I asked for a supervisor or manager. She said that there was none available and it would be a long wait. I said I would wait. After holding for 11 minutes, Tamara at Us Bank came back and said that Michael the manager will have to call me back. It has been almost an hour, and no call back.

As someone who has worked for Countrywide Bank and Bank of America, and trained the reps in customer service as well as in other areas, I know that this is a diversion in hopes that the customer doesn't bother them and lets it go. As I told Tamara, I have all day and I will get someone's attention by reviews, phone calls, or chats with Us Bank. If not, I will go to the top from Director Andrew Cecere who is Chairman, CEO and so on. Believe me, this is very unethical for me to never have had any issues with this bank for over 4 years and not to waive 1 overdraft fee.

I recently had an experience with U.S. Bank that left me feeling frustrated and disappointed. I called a few branches in my area to inquire about opening a checking account, but none of the employees seemed to have any knowledge about their products, rates, or options. I was put on hold for a long time and never received any answers to my questions.

One of the employees, a woman with a Hispanic accent, put me on hold for 20 minutes without any explanation. When I called back, she wanted to put me on hold again. I suggested that she take my phone number and call me back when she found out the information I needed, but she never did.

I decided to call the bank's corporate/customer service number, hoping for a better experience. Unfortunately, they were just as unhelpful as the branch employees. They kept transferring me to different departments, none of which were able to assist me.

When I called the 17th Street branch in Costa Mesa/Newport, I spoke to a branch manager who became angry with me when I explained my experience. She talked over me and tried to convince me that U.S. Bank was a great institution. When I called back to express my frustration, she wouldn't answer the phone during business hours.

Overall, I was disappointed with my experience with U.S. Bank. The poor attitude of their employees and lack of knowledge about their own products left me feeling like this bank may not be the best option for me. I hope they can improve their customer service in the future.

I've been going to the local USBank in St Helens Oregon for like 20 years now. And let me tell you, I've seen a lot of people come and go. But most of the time, like 99.5% of the time, they treat me real good. Every once in a while though, I run into someone who ain't so great. When that happens, I just steer clear of them.

I gotta say, I need a notary a lot for my business and the branch always tries to help me out as fast as they can. The website is pretty good too. I got a lot of accounts, so I'm always checking my balances, using BillPay, and looking at cleared checks. But I do gotta say, my home mortgage is a bit of a bummer. They're trying to help with info on payments and balances, but they don't always recognize my payments on time. I always pay on or before the due date, straight from my checking account, and I never mail it. But sometimes when I check a few days later, they don't see it and start talking about late fees. And even though I make extra principal payments, they keep telling me to do it. It makes me wonder if they're really keeping track of my payments and giving me credit for the extra principal. I mean, come on, it's a computer, they should be able to do better than that.

Anyway, like I said, the website is pretty good. But a couple weeks ago they updated it and it was a hot mess. Whoever designed it must not even bank with them, or maybe they're not too bright. It was full of bugs and the layout was even worse than useless. It seemed like they didn't even test it before they put it out there. But they fixed it pretty quick and went back to the old website.

Overall, I'm pretty happy with the branches I go to. Except for that one time with the website and the occasional bad employee, they do a pretty good job.

I recently decided to close my account with US Bank after being a customer for 25 years. The main reason for my decision was due to the unprofessionalism of their customer service representatives. I had to call their 800# multiple times and each time I was met with a snooty attitude. They were not helpful at all and seemed annoyed that I was calling. It got to the point where I requested a different representative, but I kept getting the same one who would eventually hang up on me.

During the COVID-19 pandemic, their customer service was virtually inaccessible. Every time I called, I was met with a message saying that their lines were beyond capacity. This made me feel like they didn't care about their customers and it was frustrating not being able to get the help I needed.

Another reason for my decision to close my account was due to their website redesign. It was difficult to navigate and they crammed all of my account information to a tiny side of the screen. The rest of the screen was filled with banking ads and unnecessary information. It was frustrating trying to find what I needed and I eventually gave up.

US Bank also no longer offers a running total account balance, which was a feature I found helpful. As my account became less active, they started charging me a monthly service charge fee, even if I made the quota for the month to avoid it. I had the minimum required balance to avoid fees, made three monthly purchases, and had my paycheck deposited into it monthly, but they still found a way to charge me. It was frustrating to lose money to fees rather than gaining from my account.

Lastly, US Bank does not offer security protocols for my checking account. My new bank offers a feature where I can set up my debit card transactions/withdrawals to only pull from my checking account, which gives me peace of mind. When I asked US Bank about this feature, they said they do not offer it.

Overall, I was disappointed with US Bank and their lack of professionalism, accessibility, and user-friendly website. It was frustrating to lose money to fees and not have the security protocols I needed. I hope they improve their services in the future for the sake of their customers.

Banks are known for using and investing your money to stay in business. In return, they are expected to provide secure and financially insured storage of your funds. My recent experience with U.S. Bank's 800 number customer service has been a hit or miss. Sometimes, I get someone who knows what they're doing, but other times, I get disconnected or transferred to the "If you'd like to make a call, please hang up and try again" recording. At least they don't outsource to India anymore, so I can understand the words the representative is saying, but it still might not make any sense or have anything to do with my question.

My main complaint is their over-zealous fraud department and automated security fraud blocks they constantly put on my debit card, so I have no access to my own money. Just last week, I had a shopping cart with about $300 worth of groceries that my debit card was declined for, but fortunately, I have other cards. A few days later, I tried to make another purchase on eBay for $28 that was declined. How does a grocery purchase at the supermarket I use all the time or a $28 eBay purchase for a needlepoint seat cover constitute suspicious activity? Of course, it doesn't. Regardless, I am on hold nearly every single day trying to get the stupid "fraud" block taken off of my card so I can use it.

The way I see it, they use the excuse of "fraud" so people don't have access to their own money for however long that may be until you can get it resolved. After all, if they are doing this to millions of people, which I presume they are, as I'm surely not the only one, that becomes more time that they are holding onto your money, which means more interest for them. All those extra "hold" times you are placed on over the phone add up, especially when it's multiplied by all their account holders who have checking or debit card activity. This is the real reason they block your card, not because they believe your account's been hacked or because they think there's been a security breach.

I already opened a new account with another bank, whose name I won't say here to be fair, and pulled all my money out of U.S. Bank, mainly so I can just use my debit card without it being declined. There's no valid excuse for how often they block your card, and I'm tired of having to call them and constantly be on hold listening to that horrible, distorted sounding, bad choice of music. It's a shame because I really like my brick & mortar branch as well as the tellers.

U.S. Bank is a bank that I would not recommend to anyone. When I opened two accounts with them, they failed to disclose important information about their policies. For example, they did not tell me that I would not have immediate access to my money, which resulted in bounced checks and hefty bank fees. They blamed me for not reading the fine print, but who has time to read through all the paperwork they give you when you open an account?

I also had issues with their trust account. Despite explaining that the trust had a tax ID number and was not my money, they made me put my SS# on the account. This made me uncomfortable, especially since I had an outstanding judgment at the time. The bank manager assured me that my money was protected and that my SS# would only be seen internally by U.S. Bank. However, her misinformation cost me $300,000.00, nearly double years later with interest when I paid it off. She retired less than a year later.

Another time, I withdrew cash from U.S. Bank, and they gave me counterfeit bills. A few weeks later, I went to another branch to pay my credit card bill, and the bank confiscated my $100 bill, alleging it was counterfeit. This was a huge inconvenience and caused me a lot of stress.

I mostly paid my bills via bill pay online, but U.S. Bank lost two checks in the mail, which cost me hundreds of dollars in late fees. This incident was followed by two years of emails, phone calls, and corresponding with government agencies to get my late fees refunded. I paid the DMV three times on one bill and have not received any refund for my multiple payments, thanks to U.S. Bank.

To add insult to injury, U.S. Bank sent me a letter informing me that they had increased my credit line and encouraging me to take advantage of their loans. A few days later, I received another unsigned letter from their "Account Closure Department" informing me that they would be closing both of my accounts in one week. They gave no explanation why and did not answer my calls. This left me scrambling to deal with outstanding checks, direct deposits, and opening a new account. It was a terrible experience, and I would not recommend U.S. Bank to anyone.

So I was using their app as a way to track my money in my bank account and as I’m swiping, I noticed I have money in my bank account and make sure that I don’t go over my limit. I get a random update notification from U.S. Bank that they had an app error that wasn’t updating the amount of cash that I had on my account and they said sorry but you still have to pay for it now I’m in negative and I didn’t plan on doing that. I believe they should take accountability for their mistake.

For several months following closure of account by my father, and communications from me, his judiciary. Bills are being sent to him and confusing him even more. I have sent a copy of the notice to prove I am his judiciary and that we both went to the bank to have the account closed. I paid all due charges when closing accounts. After numerous bills arriving, a check was received from them for an amount larger than what they said was due. I never used the check as the signature line had non-negotiable over it. The bank continuously says the account has been closed.

This has been continuosly since

Review
June 4,2023 ?@Music_album
They used to be acceptable...but before that they were awful too.
Lately the phone help has been particularly thick... and I MEAN THICK!
I had plenty of money in the bank and found a bargain on an old guitar amp I had been hunting fir. I told Jim I would take it. And I ran down to the quick mart and used the ATM... CARD REJECTED. INSUFFICIENT FUNDS... I call them and am on hold for a long time... that's new! So I text the guy... tell him I want it... trying to talk to my bank. I wait 15 and the girl says everything looks fine on her end... that I should Try another... getting nervous... drive to a walgreens... same thing I call and am on hold tell the guy I'm still trying to get my bank to fix this... he says ok. The lady? Says that I don't have enough funds. I said don't I have $700 in there? She. Said yes and I said so I have enough and she said oh wait. Yeah you do... So what's up? She said she had to talk to a manager so I wait 15 minutes... She comes back and says that my limits are too low and I said my limits are $1400 and she said no there are $100. Anyway this goes around and around and one after another incredibly stupid person... Tries to? Tell me what's wrong only. Their version of what's wrong is completely different from the previous one and this happens about six times... All the time I'm texting the guy and trying to call him every now and then just to let him know. I'm coming and over an hour and a 1/2 goes by... Finally he said don't worry about paying that much. I'll take half of what I was asking I feel bad for you... Finally he said don't worry about paying that much. I'll take half of what I was asking I feel bad for you.I don't know if he felt bad because my bankers are idiots or because he thought I was broke?
But it's happened every time lately and it used to never happen. And now they have filipinos on there... And now they have Filipinos on there. And.
I like filippino's don't get me wrong... I just hate it when they answer my phone calls because they are not actually employed at this bank. I just hate it when they answer my phone calls because they are not actually employed at this bank.Therefore they don't actually. Know? What they are talking about to any great degree. They are just expected to know every little rule and regulation. When they're probably doing call center work for 10 different businesses. In the most they do in most instances is apologize and act as a buffer for her people who are angry and qant satisfaction.
They are the masters of apologies. They are the masters of apologies. They can spend more time apologizing than people usually spend on an actual problem. I finally have to interrupt and say excuse me but quit apologizing the only thing. You should be apologizing for is apologizing as much as you are because you're not doing anything you're just wasting time.
I finally have to interrupt and say excuse me but quit apologizing the only thing. You should be apologizing for is apologizing as much as you are because you're not doing anything you're just wasting time.So today I had to pay my rent and I usually take some Money out of savings and checking... Money out of savings and checking. And i've been doing this for years. But like last time everything has changed and I can't do it because they say my wife has to even though both of our names are on it. And they tell me this after I've already done what? They've? Told me to do once already... I get her on the phone and she's angry because she's a nurse and she has to come to the phone and talk to these people for a long. Period of time and get herself verifI'd. But they finally say they have transferred it and they're about to give the transaction number and she said I don't need to know the transaction number... Can you please just email it to me. Can you please just email it to me? She says no here is your transaction number... silenceit was here... let me see. Wife is p***ed. She says you can't find the number. Why don't you just email it when you find it? And we'll just do it like that. Can we do it like that? She says you can't find the number. Why don't you just email it when you find it and we'll just do it like that? Can we do it like that?She says yes of course. Even though she said no moments ago... Even though she said no moments ago? So she hangs up audibly. So she hangs up audibly.And the woman. Oh wait oh wait! I said she hung up. I said she hung up.You told her was ok. She says it was not okay. She says now that she has to call from her own phone that it is a new condition on her account that happened in the last 5 minutes.
Long story longer... we didn't get the rent.
I've had more problems in the last few months than the previous 6 years.
11 minutes on the phone today, conflicting reasons... she called for 15... then tried on her computer at work... another 20...

I opened my account back in July. I was looking for a new bank, and honestly I've been in a terrible bind since my mom went in to cardiac arrest and nearly died in March, so I've had to pick up a lot of additional expenses and responsibilities which has left me struggling financially. US Bank had a great sign up bonus offer of $400, and they have branches everywhere where I live, so I decided to go with them based on that alone. I wish I had read the reviews on this bank first! If you are looking for a new bank to bank with, I hope you read these reviews and do not take what anyone is saying on here lightly. While reading through them, knowing what I know now, I couldn't even believe what I was reading. It was like I could've written these all myself cause I've had identical experiences with every bad review written! This has been the worst experience with any company ever in my entire life. From day 1 when I opened my account, the site crashed and told me it didn't go through and that I needed to contact my local branch. They sent me an email with a new, somewhat prefilled application to fill out and told me the promo code for the sign up bonus was applied. (A week later I got an email that my account had been approved on the one that crashed and I now had 2 accounts, which somehow messed up my Zelle and everything else after I closed the 2nd one. Got that straightened out finally though). So, luckily while I was on the phone with a supervisor named Chris due to unrelated issues, and I asked him when I'd be getting my bonus, he caught that the promo was never applied and he applied it and left great notes. It was the last day, so I'm grateful that was fixed in time. Then I called back on Tuesday to make sure it was applied and the agent verified it was and that I was very lucky to get Chris, as he's worked nearly every department and knows how to get things done right. I was told by this agent I should be seeing the bonus in my account any time within the next few days and would have already had it if it weren't for the holiday weekend. So as days went by I called multiple times and spoke to multiple agents who all said something different, but 2 others who seemed competent confirmed with me that I would have by bonus by Friday. It never came. I then started to panic as I had borrowed money that had to be repaid in the next few days, and I was counting on that money. I would've never borrowed if I didn't get confirmation from 3 different agents that I'd have the money in my account by Friday. I was told I'd get a call back regarding this on Saturday and that never happened and I was unable to get in touch with the worker who was handling this. Come Monday I find out I was misinformed and they opened an investigation, to which I had all the names, dates, times, length of conversation, and what was told to me by each employee I spoke to about this. I was told my information didn't match up with theirs and that it would be impossible to locate these employees or look up the recorded phone call. I even sent screenshots of each call so it could be verified. Didn't matter. They were not going to honor this bonus and I was told they had 60 more days to issue the bonus, if I even get it at all.

So, I panicked even more as I was hoping for a good outcome and that they would honor this bonus like I was told, and I had to repay the money I had borrowed that day now, and didn't have it. I called my aunt, who I've never asked for anything, and told her I urgently needed to borrow $200. She Zelled me the money right then. I rushed down to the 7-11 on the corner to pull out $140. I previously had to overdraft my account cause I needed gas and food, and thought that the bonus would hit my account and balance that out. So after they took the $42 for the overdraft off the top, I had $158 left, and tried to pull out $140. The transaction was declined. Then the ATM told me to take my card, and as soon as I pulled my card out, the ATM shut down and said temporarily out of service. I figured it was declined because maybe it was out of money and that's why it shut down, but when I pulled up my online banking I saw that they pulled the money from my account and I only had $18 left now. I called the number on the ATM and they told me to call my bank. I called US Bank and told them what happened and they said they would file a claim and that I'd be notified within 10 business days of the outcome. I said "10 BUSINESS DAYS!?!? I can't wait that long! That's like 2 weeks and I just had that money sent to me cause this was urgent!" She assured me that they have to say that, but that they get to these things very quickly and I'd likely have the money back in my account within 24 hours. Well, here we are 11 business days later, and probably 30 or more phone calls to them later, and no money. Every person I've talked to has told me something different, or didn't want to deal with this so hung up on me or transferred me to a department that was either closed or wasn't even for customers. So I'd have to call back again and start the whole process over. I finally spoke to someone last night who was able to pull up my status and said the claim was denied. I said "how could this possibly be denied? There's cameras everywhere, the ATM didn't dispense any money and probably ran out of money which is why it shut down. You guys can't just steal my money!" She said it was denied because it wasn't one of their ATM's and that I'd have to call the ATM company. Went back to the 7-11 today and called the ATM company, who told me I need to call my bank back because they don't do claims, and that my bank can't deny me because it's not their ATM and that's illegal. Called my bank back and got the 3rd competent person I've spoken to in the 100's of calls and employees I've spoken with. She said I was denied because the person who filed the initial claim did not enter any of the information into any of the fields to file this claim. She couldn't believe what she was seeing and that no one else had caught this, and she couldn't believe the claim was denied instead of them fixing what was a very simple thing to fix and an employee error at that. So she fixed it and refiled the claim, which I'm sure will take another 2 weeks to get my money back. The employee that fixed it, Vicky in Arizona, told me she would personally keep an eye on this and make sure it gets done as quickly as possible. She said she wanted to cry for me, as she has with so many other customers after seeing what they've gone through. I'm very grateful I got her or this could've dragged on forever. She is far too good to be working for this company. Aside from the supervisor Chris, Austin in Las Vegas, and Vicky in Arizona all of the 100's of employees I've spoken to have been rude, incompetent, and have given me false information, which has led to many agonizing follow up calls that have taken up so much energy, and so many hours out of my weeks! The whole experience has been one nightmare after the next and has nearly brought me to a mental breakdown multiple times. This review has barely skimmed the surface. I will never use this bank again nor recommend it to even my worst enemy. I don't wish this kind of hell on anyone. So if you've read this far, be warned! If you sign up with them anyway, you'll be the next to write a bad review.

And a note to the supervisor Chris, Austin in Las Vegas, and Vicky in Arizona? I think you deserve better. But if you stay I truly hope your superiors see this review and promote you to top positions within the company. If they had any sense they would, as I believe you are the only people who can turn this company around and set the standard and give the proper training for all the other agents currently employed, as well as all future hires. Otherwise, I don't see this bank lasting much longer with all these terrible reviews from countless customers who are no doubt all probably banking with someone else now. Good luck to you all and thank you!

USBANK accepted a wire for my business in the total of $106,000.

The wire cleared and letter from the bank confirming the clearing of the wire.

Went to the bank and removed a cashier's check and everything was good.

3 days later a call from the USBANK stating they wanted to confirm the origination of the wire, I provided the details.

I was advised that USBANK will close my account and will if they deem legitimate will return funds via check, that they did not want my business.

I have a letter stating that the funds were cleared in my account and verification was provided as to the origination of wire.

My funds are still frozen?

Where are my funds? when you have verification of the origination?

On February 12, 2024 I made a deposit in the atm for 1,000.00 it was a third party check. The check cleared with no problems and the money is in my account, US bank put a freeze on my account even though the money cleared. My rent check has bounced and other items due to this problem. When you call the fraud department, nobody helps you and they are very rude. I was told to go to branch and speak to branch manager and the representative said "if the branch manager doesn't help you its because they didn't want to". I am looking for solutions not problems.

Today 2/1/2024 I went to theUS BANK on 1399 Foxworthy Ave. San Jose CA.

95118 at 7:43 AM to withdraw $720.00

cash from their ATM. The atm showed a noticed that said INSUFFICIENT FUNDS. I didn't receive any money or receipt. I checked my account and it shows that US BANK removed $720.00 out of my account. I came back to the bank at 9:00AM when it opened and the teller said they couldn't do anything and I need to call their customer service number. (800)

872-2657 I called at 9:07 AM which they were no help as well. Because I don't have an account with US Bank they don't know what steps to take to help me.

My account was hacked and as a result of this led to the closure of my account. I tried to resolve the with the branch but the assistance am getting from then is very poor. I lost 25,000 $ during this process. I went ahead and filed a police report regarding this issue. The potential suspect of this fraudulent activities is my room mate which the police said there is not enough evidence to arest him. This is not only us bank, my paypal and discover bank account was afffected. Thank you.

Phone: [protected]/[protected]

Email:[protected]@gmail.com

I was charged a check counter fee of $2 unknowing for writing a check on my account. Granted, it's probably an insignificant amount/fee but it's the principle that mostly annoys me. This is because I was PROMISED verbally in a local branch when I asked, that there was no fee/charges for this service. I had to ask as this is my first time writing checks against this account. Now, I would understand if I was told otherwise beforehand and then the fee afterwards. I had called to get a refund too but was dismissed casually as not worth their time. I'm definitely never writing any checks ever on this account or will I trust US bank with or for anything in the future. I'm already shopping for another bank. If I can't trust them in this little thing, I can't either on the big things whatever they may be. Again, it's the principle, not the amount and it's fraudulent.

December 6, 2023 and many other dates I attempt going into my account online to pay a bill. I get locked out of my account after changing my password. What kind of an ignorant bank locks customers out of there accout when they just want to pay a credit card! They sent me a code, I reset my password and then attempted to sign in and pay my card bill and they lock me out how stupid is that. I guess they don't want their payment on time or maybe expect me to pay a late fee! Whom ever is in charge at us bank is a bone head! I talked to 3 cs reps total of 1 hour of my time. Each rep asked several questions to verify who I was and I passed with flying color. All other bank that I have if they doubt your identity they send a code and you are in. Does us bank managers know customer service reps are turning customers away from paying bills? Us bank is working under stoeage rules (get a brain) locking people out does no good!

11/30/2023 10:00 am

Received a call from US Bank customer authentication stating that they were closing out my business cards along with my personal credit card.

I asked to speak to a manager and after a 25 minute wait, a manager by the name of Pat who would not give me his last name was very rude and condescending.

I have been a US Bank customer since 2015 and have never been treated with such disrespect.