I have had a credit card for over 13 YEARS with US BANK at 9.9% FIXED. Never Late always paid on time. Well they raised my rate, called them and they were very RUDE and quoted their little fine print. I also have a home loan with them with a fixed rate, but my payment depending on the escrow goes up then goes down the next year, then back up, them back down. I would NEVER recommend this bank, their customer service is RUDE, the credit card rate increase shows me they could give a crap about long time excellent credit customers with them. I signed up years ago for a FIXED rate credit card they screwed me over big time!

Where do I start?

First off I was with Cal National Bank before they were taken over by US Bank, and I will state that I had never had the problems nor the fees charged to any of my accounts with any bank than at US Bank. Thats saying a lot considering I use to bank with Washington Mutual before Cal National and they were horrible.


When US Bank First started to continue the business of Cal National Bank I asked my the service rep. at my branch if the account that I previously had with
Cal National was going to remain the same as the current account at US Bank, considering that bank policies vary between institutions? The Rep. said that the account is the same and would be handled the same. This is to say the least was a lie to keep my business. In the past four weeks I have had checks bounce (the first time in my life) outrageous overdraft and Non sufficient funds charges, all with out my account actually being in the negative. yes they charge overdraft fees on account activities that have not yet hit your account. so wile a pending transaction means funds have not yet been released they already charged your account the overdraft fee. Some say that is standard practice but every time a Pending transaction made my account negative, I would transfer funds from a savings to the negative account before the pending transactions were released therefore my actual account balance never hitting a negative marker.

If this isn't enough when you try to talk to US Banks Customer Service. they act like your a thief trying to steel your own money from them.
I give US Bank's Customer Service a big Fat "F". They are very unhelpful, very condescending and leave you with irate and insecure feeling about their
institution and your money.

DO NOT SIGN UP WITH US BANK AND IF YOU ARE CURRENT CUSTOMER LIKE ME, DO LIKE ME AND RUN!

SIGNIN FOR AN ACCOUNT WIT US BANK IS LIKE SIGNING FOR LIFE PENALTY.

Opening an account with US Bank is the must horrible mistake to do.

While I had deposited $8000 to my US Bank, I spent $2 at StarBax about all must a month later. They charged $2000 over draft fee….

Why?

I was not supposed to use my account for 30 days, because my account was a new account. That is what they told me…

US BANK sucks account holders money with reasons they create. If you have an account with US Bank, no meter how you do, what you do, US Bank will find a way, find a reason to suck your money.

This is the worst "predatory lending" institution I have ever dealt with- while I had money in my checking account, and bought things like a "cup of coffee, rented a movie $1.09, and a couple of other items under $5" they waited to post to my account, even though online it showed "pending" and reduced my balance. Days later when my health club membership went through, they "overdrafted me on all items"- meaning a charge for 6 different items under $5, by holding my health club membership first, then being .30 cents over, then submitted all the previous items that were days earlier so they could screw my for over $245 in fees- without the fees my account would have been 15 over- and recieved one fee. What a scumbag bank who needed bailouts to survive after ripping off consumers in the mortgage scam from a couple years ago- now they boast how "profitable" they are by using "predatory lending techniques outlawed in this country. Needless to say, I am closing out a 15 year relationship and going to a credit unioun or small local bank- screw these @$$holes... stay clear if you're wise!!!

US Bank is posing as tax collectors for the County of San Diego ... and profiting generously to pad their own fortunes. This is an outrage!

US Bank applied an annual fee of $100.14 to the monthly copy machine lease for our office. When inquired about, the County Assessors Office stated that the fee should actually be $43.00. US Bank stated that they charge a "handling fee" on top of the tax. When it was explained that the handling fee was thought to be excessive - even by the County Assessors Office - the staff at US Bank just replied "Well, that's the way it is. You don't have a choice in the matter".