I work for a small business with my father, and we have a car loan on one of our vehicles with u. S. Bank. For the past several years we have promptly paid our bill via monthly check. Lately i have been helping with technology upgrades and started paying more bills online, including our loan with u. S. Bank. I scheduled 3 online transactions in oct, nov, and dec, but in jan i received a notice with our statement stating that we were delinquent on our loan, and they assessed a fairly hefty fee.
I immediately logged in to check our payment status and discovered that without any kind of notice, u. S. Bank had decided to reverse our december 11th payment. I called and spoke to a guy who told me they reversed the payment because a digit was incorrect with the account number we used (of course he was unable to prove that to me, so i had to take his word for it). We are very careful with things like that, so it is unlikely we made a mistake. I asked why they didn't contact me when the payment didn't go through and he said their Auto-dialer Is in charge of handling those kinds of things. I asked for the times of the calls and the first try was christmas eve, then another two days before new years (a sunday).
It was obvious they were deliberately calling when it was unlikely that anyone would be there. Anyway, they refused to waive the fee and i was fed up, so i told him we would go back to writing checks and hung up. What i learned: u. S. Bank is too incompetent to process an online payment. If it was true that we made a mistake in our entry (highly unlikely), u. S. Bank is too unintelligent to refer to our previously submitted financial info. And when there is a customer discrepancy like this, u. S. Bank puts an Auto-dialer In charge of servicing its clients. After this experience, i would rank u. S. Bank no higher than the Sleazy mechanic Of the financial industry. They are a burden to my company, and an embarrassment to this country.
The ATM Machine would not accept my deposit. I had to go to work, but right after work, I found another ATM that was working which I was able to make a deposit then. However, by that time, the bank had already debited my account for an overdraft. If the ATM was working, I would have not had the overdraft. I called US Bank, the Resolution Specialist, Luza was short with me.
First I called last week to update my mailing address. The "banker" was having some tech issues and wasn't able to make the change.
Today, I called again and after waiting for about ten minutes of waiting I finally got to speak to a "banker" but guess what, the person helping me was having issues with her computer and said she would would transfer me to another banker. Then she simply hang up.
After calling back, and waiting for about 5 min to speak with another "banker", she informed me she wasn't trained to update mailing address and transferred me to a "Senior Banker" .
Then I learned that for some security reasons they won't be able to update my mailing address over the phone and that I will have to send in a written request that must be notarized. Are you kidding me? What a waste of time!