I had three years left to pay on a fifteen year loan. It was originally a Metropolitan Federal loan that US Bank acquired. The loan was on a Winnebago Adventurer 34 foot Class A Motorhome. The balance of the loan was $12,000. The Motorhome was worth roughly $40,000. One day a towing company showed up to repossess it. I called the bank and inquired as to the reason. I was not behind on my payments. They told me I could recover it for a payment after it was impounded. I argued with the lady with US Bank, stating that I would have to pay impound fees. She said that was my problem. Once it was impounded, they refused to release it to me and they said I needed to pay the entire balance or it would be sold. I did not have access to $12,000 and subsequently lost it. The attorney generals' office inquired on my behalf and US Bank would not comment on the incident. I am out $28,000 and a Motorhome that I struggled 12 years to make payments on. It was in mint condition and had very low miles on it, in fact, it hadn't been used the last 7 years. US Bank made a hefty profit which they were not obligated to disclose to me, and they haven't. My only option seems to be to hire an attorney. I don't have the resources to do that. I would advise any US Bank employees to seek employment elsewhere. I would not feel safe working in a bank that raped the public in such a blatant manner. What goes around comes around. JC

I would go to the sight www. pro bono lawyers resources and fill out your problem. Some one in business law will help you according to what you can afford-in my case its$ O. Your story is heartfelt-j

US Bank is fraudulent. This letter is regarding the bounced check transaction and our unfortunate experience with one of the branches of US Bank in Lawrence, Kansas. The last two weeks had been very stressful for me. We were very hopeful that the Bank will give us a chance to re-trust for future dealings, but they completely ignored our complaint. We do know that the bounced/returned check is completely our responsibility as the account holders if at all my Husband was not misled to believe by US Bank teller supervisor that the funds $5000.00 will be available within 24 hours from out of $8550.00 check that he deposited. My husband specifically asked the lady teller twice that the funds should come out of the check and not out of our own account and further an offer for sending the check for collection was not at all made by the lady teller. She gave a notice of hold and told to withdraw the money next day not mentioning that actual check would be present to the M & T Bank later. Trusting what was told by the lady teller very next day my husband withdrew $3700.00 out of it assuming that partial funds are available out of the check. Later the check returned and we are charged for that money. We ask you whom should we trust in the Bank and why they misled us on beieving on availability of money which was not from the check????? I strongly believe that US Bank owes me the compensation for the loss, as all my further dealings were after what the Bank made us to believe irrespective of who the individual was. I am sorry to say this but we feel embittered and cheated by the Bank. Why should we suffer the loss because of the Banks mistake. It may not affect US Bank business but this loss has greatly affected our lives in monetary terms. I have also reporting the case to Business Beaurea here for this unprofessional attitude of the Bank and shrugging off from the responsibility of looking at customers need. SA

Thanks for the info..it was very helpful and I am shocked to see how many people they have screwed up..and chew on peoples hard earned money with big Banners and false 5-star quality. S

Well, here I am joining the ranks! Yep, US Bank has done it once again. They have …so far… Bent me to the tune of $411. I tried to have an unauthorized withdrawal stopped on my account. I gave US Bank ample time to stop it before this company pulled the money from my account. All US Bank told me was that if I didn’t know how much they were going to steal from me, they couldn’t stop it. HA!! I was told to wait and then I could have it removed. On the DAY the amount was removed, I had another bill I had to pay and HELLO!!! It’s Christmas So I had to pull out money for Presents for my husband and my son, I was down to $50 in my account. I checked my account the next day and the withdrawal had been made on my account. They pulled out $211.06 and US Bank let them overdraw my account AS A “COURTESY” TO ME! Then in what US Bank must also view as a courtesy THEY pull out $200 in OverDraft charges! Thanks US BANK! Then as if they weren’t wonderful enough, I and a friend of mine, who had worked for banks for 20 years, called the Corporate offices and the Regional VP and we got, “Oh, I am sorry that was a Paper charge and not an ACH debit. We can’t reverse that.”, “It’s already been withdrawn. We can’t take it back.”, “No ma’am, if it had been $2000 we would not have withdrawn it because that would be over your alotted amount, but as a courtesy to you we allowed them to withdraw (Screw you for) the amount.” I have shut down my account. US Bank is supposedly working on a review to see if the charges were authorized (Though I informed them that they were not) and this will take a minimum of 45 days. However, the company who pulled out MY money from US bank was a large company (with a lot of money which makes them right) and I have only banked with US Bank for 5 years (Which makes me stupid) which counts for nothing. They have no customer loyalty and they only hold your money so they may hand it out as THEY see fit. TH

I work there. USBank is charging a $15 to make payments by phone on their WorldPerks(and other) credit cards. It is free to use the web page or automated system, but when we set a customer up the first time we are not supposed to tell them it is free. It used to be free to set up and make the first payment and we told customers in future is fee for a rep, but always free automated. As of last week we have a scripted thing to say we can now take their pymnt for a $15 fee when we set them up-and not to suggest to transfer them to auto system unless they ask. We will be docked points if heard not scripting. Also foreign speaking, elderly or out of country callers will not get a free payment as before. How can a hard of hearing or stuttering person use a voice automated system? Part of the script makes it seem if they do not pay us to take the pymnt it may not be processed the same day. I realize it is a business, but this is greedy and dishonest. We feel upset, but dare not speak out. Anon

On Saturday, October 9, 2004, I deposited a $280 business check at a branch in Dayton, Ohio before 2PM at a grocery store location. As of yesterday, I have been hit with $204 in $34.00 insufficient funds charges! I was so shocked to learn that they only allowed $100 to be used, while giving me the bad end of the stick. I called the 800 number and went to the branch where the female bank manager told me these words: " Well, it wouldn't be fair to the other branch manager for me to refund all of your money because I will be leaving soon and I don't want it ( my #$$^%^ money, that is) to hurt my numbers and I am sure he doesn't want it to hurt his." Now how do you like that crap? We have to do something about this bank. Some years ago I think NCNB was in trouble about holding certain checks that came through to hit customer's accounts for more check charges and this is the game with US BANK... and you mean they could not help me once? The managers got together and told me that I would be credited a mere $68.00 of MY MONEY while they profit the REST????? I don 't think so! FC

Something needs to be done about US Bank. US Bank sucks and is one of the worst banks for customer service. KK

Hate US Bank I just found that US bank is hitting me with over $300 in overdraft fees for check card authorizations that were NOT posted to my account yet. I have some 20 grand in a home equity loan also with US bank that could have been moved to cover these charges however they are saying although the money was not moved out of my account they stll have the right to act as if it were an overdraft although no money was paid out. I called other banks who said this can be done but they don't follow this practice as they consider it unethical. I am now changing banks.thanks PL

usbank mistake denied. 3 months ago I excitedly got a $200.00 saving act and my automatic ss in my checking act. At that time they carefully helped me to go home and set up internet bill paying for the first time. I very carefully paid 3 bills. In 1 week I tried to use my debit card and it was denied. I called the bank and they found a fourth entry. bill #1 amount was double payed to bill number three. In that 1 week I lost all my checking,all my savings with bank fees that shouldn't have occured and the double bill paid, paid another month in advance and I am left with no money til the 3rd. I am out of necessities,including food and I didn't do it. They denied it and blocked me from going back into the page where I paid the 3 bills. I am suffering a migrane as a result of devistation of loosing everything. I told my true complaint-there is another chapter-in addition to loosing all my savings ,the bank has now charged me $268.00 in fees- I wonder if I will have any $ left in september for current bills or to live. JT

US Bank is a bank that should be shut down, closed down, and ousted from the American Banking System. They are a disgrace to legitimate banking institutions across America. How dare Grundhofer call his bank "US BANK". Obviously he doesn't know or care what United States stands for. Disgruntled former customer, LL

I have a client who got behind with her Firstar (now US Bank) credit card. Not to worry—she did a refi and paid it in full. The credit report shows it. The closing statement on the refi shows it. US Bank admits it. But US Bank turned it over to MRS, a collection company. Now the lady is being harassed (4 years later) for a $2700 balance due. In fact, last month it was $3400. We can’t get US bank to call off the dogs. DK

Only Stupid or Lazy people do business with US Bank, home of the Five Star Screw. SM

US Bank is a the worst bank I have ever did business. My wife and I opened an account with them a month and 1/2 ago and were still waiting for our ATM bank cards. The branch manager was useless, kept telling me the cards were coming and the district manager Julie Hilt, never returned my calls to discuss the problem!!! I then opened a new account-got ATM cards within a week- with a new bank and transferred our money. When we closed the account at US Bank, they charged us a $25.00 fee!!! I am so disgusted with them. Do you who I can complain to regarding this matter? I thought about contacting the Banking Commission. 5 Star Service. What a joke. EE

US Bank has raked me over the coals with the “available balance” overdraft fee scam and I’m ticked. I could post the details but it sounds like a story often told already.I’ve seen a lot of references to doing something serious about this issue but can find no info where people actually ARE doing something.If you know of a real class action suit pending or in progress against US Bank for overdraft charges, please let me know. D

I too have been raked over the coals. I am looking for a Class Action against USBANK. I recently requested a record for all overdraft charges I have paid since I opened the account a few years ago. I was told they cant give me that info but If I would like I can pay $6.00 for each statement.I went back and in the last 3 months I have paid over $1000 in overdrafts. I think it is illegal -because they are processing the checks in order of HIGHEST TO LOWEST AMOUNT. This way they can charge more overdraft charges. I AM SICK OF IT.

Does your bank hold your paycheck until 5pm the following business day? Today I'd like to tell you about US Bank, who suck. I deposited my wimpy hotel paycheck and the bank only made $100 available. The next day a check came in for more than was available (but much less than I had deposited) and the bank charged my account $33. Two more checks came in and they charged $33 each. Then my paycheck "cleared," but after the $99 charges there wasn't enough to cover my rent check, so they charged me another $33, plus $29 more for good measure. Then they charged my account $5 for every day it was in the red. Balance by Wednesday after the Friday I deposited my check: something like ($189). The thing is, I keep my check register in MS Money (or did, back when I had an account) and I would balance it on the internet. Who doesn't? And if I don't suspect anything weird is happening over there at the local US Bank, I only log in every couple days. When I caught wind of their tricky accounting, though, I went in and explained what happened. I talked to three people and finally to James, their jagoff manager. I told him that there was no reason for holding my paycheck, that I'm the "little guy" and all, sure, but what's the deal? If they doubted the check was good they ought to go across the street to Bank One and ask them about it. James said he wouldn't do anything for me because it's their policy to hold checks. I said that's nuts, that he should know that the Marcus Corporation--who franchise my Hilton and are one of Milwaukee's biggest companies--isn't going to bounce a piddly little check like mine. I said no bank I've ever used held local payroll, especially ones written from mammoth banks like Bank One. He told me it's standard practice for most banks. So I asked around. No one else's bank does that. TCF? Nope. Bank One? Nope. Kankakee Federal? No. UW-CU? No. Wells Fargo? No. No no no, James, you liar, you cold-hearted liar. So I walked out and never went back. I had spent an hour trying to get him to see my point. I was the nicest and the most belligerent I've ever been. I'm usually pretty non-confrontational, but this time I had justice on my side. Blah blah blah. I thought about paying them and then smashing their window. At least then I'd get something for my money. Instead I just never went back. Eventually the fees went up to almost $400-below-zero, and then my account really froze. I tried to get in at Bank One. They've got a really nice package for Hilton employees. Free checks, free online banking, early direct deposit. Why not? They write the checks; the money is virtual. But NOOO! US Bank has me blacklisted. They screwed me outta my scratch, they screwed me outta my account, then they screwed me from opening anything else. I even tried one of them online thingamajigs. Well . . . Friday I'm going to be getting some mad scrilla for all the overtime I've worked lately, and you know somebody, somewhere, is going to want it. One thing's for sure: I'm gonna make 'em beg for it.A

Comments : I was wondering if I could get everyone who had a complaint against US Bank to send me a copy of the last 90 days of their over the limit fees or other extra charges. I am starting research on overdraft fees. I was screwed several times by US Bank and so was my sister. So I figured this was a good place to start. I am a social work student. I would like to figure out on average how much money a bank receives a year from NSF charges. My guess is that it is quite a bit. My guess also is that most of those charges are to people with an income less then 40,000 dollars. So I would really like to start gathering information. Of course no one's names would ever be used. But I may eventually need proof if I get people to actually listen to my statistics. Please let me know if you can help me get this information. I called US Bank myself and asked them to give me my information for the last year. They told me I would have to pay something like 6 dollars a page after the last 90 days. That is why I am asking for the last 90 days because they are free. Then in 90 days from now I can get the next 90 days. See what I mean. I really think I can make a difference in the way banks operate if I go to the press after I gather my information. Please help me do this. Thank you, Vicki letstalkmvp@aol.com

They have ripped off my church and my 88 year old Mother. My name is Harvey Beagle, who for many years have directed the Federation of Independent Catholic and Orthodox Bishops. I'm a retired Monsignor of the Old Catholic Church. In a recent development upon my personal complaints and the total rip off of this money laundering service that calls itself a bank, I have petitioned the respected Archbishops who make up the membership and a press release will go out shortly that within 60 days, all Catholic and Orthodox employees of the U. S. Bank will be excommunicated from the Church of Christ, and any member who has either a checking account, loan, stock option or stock has 30 days to divest themselves of such or face refusal of communion, confession or any sacraments of the One Holy Catholic and Orthodox Church. Enough is enough. You folks have for years tried to get them to change their ways for nothing. Now the Church will deal with them as a Church should. After all, "Never doubt that a small group of thoughtful, committed citizens can change the world. Indeed, it's the only thing that ever had." --Margaret Mead Church records are now computerized, so we will be able to target each employee in each jurisdiction or diocese. To the "lay folks", we will leave it to their conscience. Harvey Beagle,semi retired monsignor Old Catholic Church of Antioch. Ambassador to the United Nations for the One Holy Church of Antioch, Canadian Jurisdiction.

I placed a stop payment on a check in December of 2002. Why? Because I had purchased 2 used appliances. Then the appliance dealer called and said he lost the check I paid him with. I called US Bank and requested assistance. Was told to stop pay on 'lost' check for fee of $29. I authorized stop payment; issued new check to appliance dealer for original amount LESS the fee; new check is cashed. I received stop payment confirmation noting expiration date of 103/06/08. ??? All is well until ALMOST one year later - in December of 2003 I open statement to find that the LOST check (that I issued stop payment on) was cashed in mid November - the LOST check is now 11 months and 1 week old. Call bank -- and am told that stop payment is only good for 6 months - and they (US BANK) MAY cash a 'stale dated' check for up to one year. They inform I should have reissued a stop payment AGAIN - to cover the full year in which they MAY pay the check. US BANK agrees that the check is stale dated after 6 months - BUT they MAY cash it for up to one full year. Yes I realize I was scammed by the appliance dealer! I have filed the appropriate papers with law enforcement - I have argued this point on the phone and in writing with US BANK. The paid check utilized my over draft reserve - so interest is added - just to add insult to injury! US BANK has also sent their (never seen before) version of the stop payment confirmation (with a clear expiration date), stating that the copy I am in possession of is a computer tear off for use by bank employees BUT I was also sent a letter with a readable date. Over 4 months its clear that US BANK is standing behind this NEW confirmation letter - on the grounds that they MAY pay a check for up to one year -- AHHHHHHHHHHHH! TC