I have fallen victim to US Bank's greedy practice of overdraft fees, which are now $37.50, and $8/daily for negative balances. In the last 2 months, I have had close to $250 taken from my military pension (*EACH month) because of the way they handle business. I can't imagine over the course of the past 7 years how much money they've taken from me. I don't want to know. It's all I can do now to be respectful when I call or visit a branch. They will take overdraft fees FIRST and then pay the item they are charging you an overdraft for. It's because you actually MAKE the purchase on one day, the vendor may not present the item for pay until a few days later, and then, it may not clear until a few days after that! WHAT?? I thought that was the point in having checking/debit cards... to make sure you didn't have this kind of trouble! And you are not able to put a stop on this practice by telling them to not pay anything if there's no money in your account. One phone rep told me this was a convenience for my good. (Imagine, she said, that you're out of gas, stranded and have no money. You can make a withdrawal from the atm!)??? What the heck?? What kind of advice is that?

I am so sick of this bank and it's practices that it's all I can do to pay my bills. I have bad credit because of a nasty divorce, and am not able to 'bank/credit union' shop. I'm stuck here, at their mercy. There's a special place in hell for people that take advantage of those they can use and justify their actions. I hope US Bank rots there.

These people are frauds..I leased a vehicle, which was 100% paid in full...not only did no one know anything about anything, also overfees, they are still reporting this to the credit bureaus as open
STAY AWAY

I had been a US Bank customer for 3 years (until yesterday!) and after fighting with them for over a month, I am no longer with them.

In July, I went to the ATM only to be told my card had expired, but I had never received a new one in the mail. The teller in the bank ordered me a new one and when I got it, I activated it over the phone and set my pin.

On Aug 19, I was travelling out of the country, and from the airport I notified them of this, at this point, also confirming my pin.

When I arrived in London for my layover to Italy, I tried to use the ATM, at which point I was told that my pin was incorrect. I attempted to call the collect call number on the back of my card that is used for international calls, and was told by the operator that it did not work, leaving me to pay for the calls on my credit card. The girl on the phone transferred me to the manager, who would do nothing to help me, repeatedly stating that I should just use it as a Visa card. To which I kept asking him how many Italian taxi drivers he knew that would take a Visa! He refused to do anything other than to send a new pin to my home (where my boyfriend was) which would take 3-5 days. He said that I could use it to get a cash advance if I could find a bank. No bank in the London airport with would give me an advance without a pin. I attempted to call back, but the operator told me that even with a credit card the phone number would not work. At this point, I had to call my boyfriend in the states to see if he could help me. I also had to pay to use the internet to find bank and Western Union info.

When I arrived in Italy, I found an exchanger that would advance money for a 13.9% fee. Seeing as I had no other options, I went ahead and did it. Once I arrived at the hotel, the friend I was meeting had a cell phone that worked there, so I had to make calls home to my boyfriend to figure out how and where to get the money Western Unioned to. We spent half of our first day in Italy walking all over trying to find the Western Union and get the money (a huge ordeal in and of itself!). Finally I got the money and things were OK. 4 days later I got an email from my boyfriend with my new pin, so I tested it and it worked!

When I returned home I called the 800 number and spoke to a manager to get reimbursed. The total I spent was $596. I have been dealing with them since the first week of Sept and they originally agreed to pay only $220 (the calls made from the UK and a $2 US Bank fee), and after more arguing, agreed to pay the 13.9% exchanger fee (another $51). So they paid me back less than half of what it cost me! I insisted on speaking with the manager's supervisor, and yesterday morning she told me that on no uncertain circumstances would they pay for the calls I had to make to my boyfriend, the internet use or the Western Union fees. At this point I infformed her that I would be closing my account. Two hours later I withdrew all my money and when the guy asked why, I told him, and he did apologize, but did nothing to try to change my mind.

When I returned home an hour later, I found a message on my home phone from shortly after Id spoken with the supervisior on the phone from the local branch saying they wanted me to meet with the branch manager to help me. I left him a message saying that I had already taken out my money. As I was sitting at Commerce Bank opening my new account, he returned my call still wanting to meet with me and try to change my mind. Apparently, the 800 number should have notified the branch immediately, but only did so yesterday. I informed him of where I was, but he insisted that they wanted to try to get me back. I told him I would meet with them the next day and he could call me the next day, but there was little they could do.

This morning I received a call from him saying that they were doing research and wouldnt be able to meet until next week. I have told him that if I dont speak with them today Im not meeting with them at all.

This has taken far too long, and the fact that the branch wasnt notified isnt my problem! Im done with this bank. Ive never had such bad service, and the fact that the branch wasnt involved earlier only shows the breakdown in their service system. Im emailing all my friends to let them know about this and already have a friend who is changing banks based on my experience. If you're banking with them it would probably serve you best to get out-they dont care about their customer!

i have had an account with them for around 2 yrs, this is th efirst time i went under the limit and by the time i caught it i deposited it to make it good again, but i still do not have access to my account to get any money out. it has been 2 business days and they told meon the phone my deposits should clear after 1200 a.m but to no avail it is still locked in position and the deposits have not been released into my account. so tell me how stupid am i for being there and believing the bull? i am seriously thinking of leaving them after this mess adn going to a credit union!!

I have had a checking account with US Banks for over nine years and had never over drawn my account. As a matter of fact, I rarely went below $500 average daily balance.

Recently I forgot to make a deposit that I thought I had made and experienced a number of overdraft charges. The bank suggested that I apply for a line of credit to act as an overdraft protection, or apply strictly for the overdraft protection. I decided to do this even though I had assured myself I would not make this mistake again. They proceeded to tell me that I could not qualify for overdraft protection due to some derogatory items on my credit report.

I just qualified and purchased a $200, 000 home with that "derogatory" information and my loan is a traditional, fixed rate loan of 5.875%! How could I purchase a home and not be able to get overdraft protection from my bank of 9 years! Needless to say, I am closing this account as soon as I can get my direct deposit payroll and automatic withdrawals for bills transferred to my new bank - Nevada Federal Credit Union.