I had a problem with my account back in 2003. They fixed the fees from the obvious problem that I had, but I decided to close the account and start over somewhere else. I evidently made the mistake of closing my account at the end of my e-mail to them while thanking them for resolving my other problem. I closed my account by e-mail and went to the bank and withdrew all I could at the ATM. This was 2 weeks before the end of the month. The next statement came saying I had a negative balance of $180. This was all charges based on the overdraft of the $6 monthly fee and a $8 insurance policy I had thru USB. I contacted USB customer servive, they sent me to the bank. The bank informed me they would not help me and that I could not close the account by e-mail. I told them to close my account and I would pay something for my ignorance but not $180. They again said they would mot help me. I waited 5 years and 8 months. I am now being harassed by Regent Asset Management, saying original debt was $240 and now $800, but they would settle for $560. How could customer service not tell me I would have to close the account some other way? Why was my account not closed even when I went to the bank, they continued charging? Why when I informed customer service and the bank I was disputing these charges I heard nothing for almost 6 year? If anybody has any tips that would be helpful please let me know.

I complained about a two check deposit taking 15 minutes in the drive thru and having to come into the bank to get the deposit. I have never even been close to over drawing my account in my life time.

I was never offered an apology nor an answer for the delay. I continued to file complaints with the home office and never got an answer. On Friday, my account disappeared with no notification. They closed my account with no notification and mailed me a check. They didn't have the courtesy to tell me and the funds were all collected.

Banks should not be allowed to close your account without notification. No checks were outstanding, but when I get the check, it will take time to get collected funds on their check. The bank was being vindicitive

Us bank raised my interest rate 1000% for NO reason !!! anyone know how to get help with this ???

US Bank has scammed us out of over 1, 000 in fee's this month, due to NSP charges, which were caused to them holding a check for over 4 days on two seperate occasions. The caused these overdraft fee's to accumulate, and still allowed charges to be made and go through, even though my husband doesn;t even have direct deposit. I get declined when I try to charge something, but they let his account get racked up to -500.00 in 2 days even though funds where deposited, and has a positive pending balance! We live paycheck to paycheck to begin with, and due to them screwing us and not reversing anything, we have now gone into debt. Joe Massey, the Branch Manager of the Denver location, located off of Colfax and Monaco basically told us to shove it and find another bank. True US Bank customer Service at it's best. I was a manager for over 7 years and would never treat an employee like this, and if I did, I would have lost my job. Since when can Large corporations get away with murder? Since when do custoemrs have no rights, and banks dictate how much money they are going to steal from us? I have over 30, 000 in student loans, my home loan, and three bank accounts through US BANK, and will be closing ALL OF THEM because OF JOE MASSEY alone, and his horrible customer service and lack of compassion, concern or managerial priorities to his loyal customers, who is done being loyal, and now is pissed off that he got away with this. You have a waged a war against a wife with to much time on her hands, because you decided to screw over my husband. Congrats on a job well done today.

There is no other bank that is more creative in finding ways to create overdraft charges. Now I’m not stupid. I am a network administrator and I have a masters degree, yet there is no way I can understand how they are able to twist and distort charges and deposits so that it comes out to their advantage and charge overdraft charges. I monitor our account daily. I think that they arrange it so that the latest charges are brought in in the last few minutes of the banking day so they can make the overdraft chargtes when it is too late for the user to make any adjustments. I have checked the balances at 11 and 11:30 pm and then 3 or 4 more charges come in in the last couple of monutes, make you overdrawn and then stick you with multiple charges. I have asked them about that and they deny that, but the lowly rep on the phone doesn’t have any say or knowledge of the sneaky techniques used higher up the ladder. I just got off the line with a rep and the way they figure things just doesn’t make sense.
- I’m looking at an item 15 or 20 lines down on my account
- A 70$ item that reduces the balance from 270 to 200$ OK?
- But according to the rep, the way THEY figure it, there is a negative balance. They say if you add the latest items that have not even posted plus others they somehow say that my actual balance is more than 100$ in the NEGATIVE.
- So I say if that is the case why the hell don’t they show it as negative instead of positive, and they say that it is up to me to keep a ledger to monitor any charges that might come in at the last minute. I’ll tell you why they don’t tell you its actually in the negative, because they make billions of $ on overdraft charges. That’s right billions. The government is moving to pass legislation to end this type of CREATIVE OVERDRAFT CHARGES. It’s a real cash cow for these banks and they don’t want to lose it.
I read that Chase bank is one of the worst offenders but I’m sure that US Bank is right up there close. I would certainly recommend that you NOT chose us bank. There are better ones out there to choose from.