Bank error in your favor! Collect $200.00! Yeah, right! I don't think so. Exactly one week ago I had made a deposit of $250 into my checking account. I made sure to save the transaction slip and filed it away. The next day, Saturday, I went online to check my ledger's balance against the balace given on my online statement page. I was shocked to find that the amount deposited into my account Friday afternoon was not $250.00 but rather $2.50. As it was Saturday after 1pm I knew I would not be able to speak to anyone. I did make 3 attempts to contact US Bank's customer service department via telephone but was unsuccessful. I only recieved busy signals each time. (Not sure if that was my cell provider's fault or the Bank's)

I decided at that point there was nothing I could do until Tuesday the 31st of May as the 30th was Mermorial day and a Federal holiday that banks close for. So I reported my problem to the bank where I made the deposit. The teller who took my deposit on the previous Friday was there so I spoke with that individual. I made sure to provide a copy of and the orignal copy of the deposit slip and printed versions of my online statement that reflected a deposit of $250.oo but showed on the same page only $2.50 being deposited. The teller in turned spoke with the assitant branch manager who instructed the teller to phone a corporate number. After waiting for 30 minutes for the teller to get back to me, I was informed there was nothing the branch could do for me immediatly. I would have to wait 48hrs for a temperary deposit of my missing $247.50. The teller and assistant manager explained that the investigation would take place over the next two days before I would then recieve my funds again. Mind you that the deposit I made was $250.oo in CASH, not check or any other form of currency but legal tender in the form of U.S. dollar bills.

I was further shocked at the repsonce they gave when I asked for some sort of finacial compensation for the banks error: "There is nothing we can do for you. But please go ahead and pay your bills and if you gather any over draft fees we will be glad to remove them from your account." EXCUSE ME?! WHAT?! My jaw hit the floor at that reply! To make matters worse, it was the assistant manager who told me that. Well, I explained to that individual that I did not find that acceptible and felt a matter of $35 for the initial error plus $7 a day for however number of days it took to resolve this matter was more appropiate. (That is what I was hit with 2 years ago when I was over drawn by less than $20.00 thru my own admitted error with the same bank.) The assistant manager told me that was not possible and did not offer any other compensation save to go ahead and over draw my account.

Well, 48 hrs came and went. No money in my account. I woke this morning to find the error corrected but it was dated for yesterday. I know it was not a late night deposit as I also checked my online statement at 12:07 am this morning, 3 June 2011. I again went to the same US Bank branch and asked to speak to the branch manager. I explained my situation to the branch manager and made sure to include in my statement that all persons I spoke with were polite and curtious as they were but that I did not find this situation in the least bit acceptible. The branch manager proceded to offer me $25 as an apology and admitted that the staff made and error in not reporting this to the branch manager. I did my best to graciously decline the offer and explained that my time, trouble and the inconvenience this has caused me was not acceptible. I relayed my justification for recieving $35 for the initial mistake and $7 a day for each day afterwards. The branch manager declined at first to consider my proposal. After I relayed the fact that the bank's own policy was exactly that when I was overdrawn by an ammount less than $20 that I felt my request more than fair as the bank's error was well over $200.

The branch manager called me today after speaking with superiors. Still the best that is offered is $25 for a bank error that took seven days to resolve and was admited by the branch manager that it could have been solved the moment I stepped back into the bank. I should ask for more compensation but will be happy to recieve just the $77 I asked for at the start of today, Friday the 3rd of June. I suppose the best I will get will be the $25. Sadly I cannot say that I will be with this Bank much longer if my request is not granted.

I would hate to have to leave the bank as I find the persons working there to be so nice! But policies such as theirs thus far are not acceptible. Why should I be held liable for mistakes with one policy but the bank holds themselves to much more lenient rules in their favor. To then suggest that I should go ahead and over draw my account is just intolerable. If I was asking for a full $247.50 credit to my account in addition to what was missing I could see a flat out NO from US Bank. Sadly though, my very small request of an amount that is less than peanuts to a business like US Bank corp. seems to be too much to ask for. Truthfully, maybe my money is better off under my mattress or shoved in a small fireproof safe in my home behind a picture on the wall. I should note that if this situation was resolved immediately on Tuesday the 30th of May, that I would proabably have been more receptive to the idea of only recieving $25 in compensation. Too bad the entire situation was drug out for 7 days.

I paid off my auto loan account on May 16th, 2011 and the funds cleared via an ACH transaction on May 18th. I requested that the Title be expedited. I called US Bank Customer NO-Service daily after paying off the loan, requesting that they rush the title package to me. At first they requested that my bank write them a letter saying that the funds cleared and will not be returned. On the 19th my bank's manager faxed the letter (2nd time). They also requested that I send them my credit card information so that they can charge me for the rush delivery. I refused to put in on paper and fax it for security reasons, but I called and gave customer NO-service my credit card information. Next day (May 20th, 2011)I called to verify that they rushed the title to me, the customer NO-service apologized and said that they didn't rush it but by mistake mailed it to me. Today (May 26th, 2011) after waiting for the title to arrive by mail for a whole week, it didn't arrive, so I called the customer NO-service again to see what is wrong. I was advised that the package was mailed to me only today. It was extremely important for me to receive the title as I sold my car. It seemed that no one at the bank cared at all and actually lied to (that it was mailed last Friday), and as if willfully Randy at Loan Support decided to delay the processing and mailing of my title. At the end of each call the customer No service is programmed to say "Is there anything else that we can help you with, Sir?" What a bad joke and poor customer experience.

US Bank sucks... They sent a letter stating they were increasing my creditline rates by 5% dues to 4 various reasons. I called to ask wich reason it was, the CSR told me it was random and could be anyone of the 4 things. Not good enough for me a loyal carholder for 18 years. They can take the card and stick it up their ashes in the fireplace. The CSR was so kind and so happy to get rid of me as a customer she had the account closed in 2 seconds flat. One can only hope that more people like me with good credit scores, longevity for be loyal to banks/cards, ect. will read this and take heed. If we all clsoe our accounts and they are stuck with the folks that have the 29% rates, they think they will make more money off, they will end up shutting their doors. Do they really think that people with bad credit scores are truly worried about paying their bills off or on time? So much for those of us that pay ontime, pay off loans, we get the shaft... Good riddens US Bank, you are the worst and I am sorry I spent 18 years with you.

My youngest son is starting college this Fall. My husband and I helped him open a student checking account at US Bank. With the exception of the initial deposit of $100.00 the absolute lowest his actual daily balance ever fell to in six weeks was $132.16. Even though he never overdrew his account, US Bank charged him $315.00 in negative balance and overdraft fees. Our son did not understand he had to wait for his deposits to clear before using his check card for purchases. When he received his first statement he asked us what was going on. My husband went with him to a branch office to close the account and the manager told my husband she could not help him since our son opened his account at a different location. The location on campus had already closed for the day so to keep additional charges from accumulating, my husband had to pay another $113.00 to 'make the account current' so it could be closed. In total over the six weeks the account was open, the deposits (none of which were ever returned) were $909.38, our son's withdrawals: $633.20 and US Bank got $428.00 in fees. My husband and I realize this is a life lesson for our youngest who was new to the world of checking accounts, but talk about 'bank robbery', unbelievable!!!

I'd been a customer at us bank for 3 years. last november I'd fraud in my account. I called us bank and I told them. they investigated about the fraud and they give me that time temp credit. in Feb this year. they took back the credit they give me because they didn't got the fraud paper they was expecting from me but I have send them back on april 5 they give me back again a professional credit. but still i'm missing some of my money. and they also told me that my account will stay close for ever and no one didn't explain why my account get closed.