US Bank operates a scheme by which they will hold your deposits an inordinate amount of time, clear transactions from largest amount to smallest, and kill you with fee's after they make damn sure that you over draft with five piddly transactions that may add up to a few dollars. They hit with 37.00 dollars per overdraft, then knock you over the head with a 7.00 dollar daily negative balance fee, next they kick you in the balls and step on your neck with an additional 37.00 dollar overdraft for each one of their 7.00 dollar daily negative balance fees. An error on your part amounting to a few cents or a couple of dollars will send you account into a negative spiral costing you hundreds or even thousands of dollars in a very short time. They did not explain this pitfall when I opened an account and the agreement and accompanying literature does not mention this either. They however will condescend to explain it to you while treating you like dirt after they suck up your whole pay check with fees for a two dollar error on your part. US Bank is EVIL. Put your money in a small community bank and restrain from feeding this monstrosity your hard earned cash.

On March, 11, 2009 I called US Bank and closed my Account. At the time I was informed everything is fine and the annual membership fee will be waived and the account will be closed immediately. The statement for membership fee was never received in January 2009 or February 2009. Later in the first week of May 2009 one of my credit accounts was cancelled and it stated that my credit score has reduced due to a delinquency. So we are cancelling your account. Immediately, I went to a kinkos and pulled my credit online. To my surprise US Bank had reported that I failed to pay some amount so they reported it to credit bureaus. I insisted that the account was closed on March 11, 2009, but the customer representative says that there is nothing in her system that shows that I ever contacted card member services. Anyways, I closed the account again on May, 11, 2009 and asked for a letter in writing that the account is closed. After waiting for a few weeks I called again and believe it or not the account was still open and active. On May, 30, 2009 and requested the account to be closed the third time and finally I received a letter in June 2009 that the account is now closed. In july I received the statement for the month of March 2009 and a check for some refund. According to the record out of the blue US Bank owed me money so they sent me a check. I reported this to credit bureaus, but you know US corporations rule. Nobody is here to listen a regular person. It has been an year and I have been fighting to get this shit removed from my credit, but US Bank insists that everything is accurate. If anybody has any idea on how to get this mess fixed. Please let me know.

Damage Resulting in
Credit score was reduced and due to that a few credit cards were cancelled by the banks and interest rates were raised on the remaining accounts.

US Bank are straight crooks. I made one payment late, they lowered my limit to less than what I owed, then charged me not only a late fee but an over the limit fee. It made me so mad I stopped making payments to them all together. Now its totally ruined my credit. They call 20 times a day even on Sun at &:00 am. They can kiss my ass. What they do should be illegal. They can fuck off...

Don't know if anyone at will actually read this. Be humane. Do things for the greater good instead of enforcing policies that ruin people's lives.

Times are hard, but do corporations have to become hard hearted in the process? Sometimes I wish that I could have lived during another time period and also in a culture where materialism was not viewed as a virtue. I know of someone who has dealt with this institution and the mayhem that it has caused in this persons' life. No amt of money in the world is worth all that.

Not only did their sales rep LIE to me about what I could do with an equity line, but now I've learned that the only thing I can do online is LOOK at my account. Can't pay it, can't pay from it. Total waste of my credit. It's been this way for nearly a year and all the internet people can tell you is 'sorry, ' that's the way our system is. Avoid US Bank . Go someplace where their system and service is up to speed and in line with 2009 technology!