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.
I logged into my online banking and saw a new Visa Card on my account. I called customer service and was told that one of my existing cards were being canceled and the new card was to replace it. I informed them that I was currently out of the country and would be for another week and not to cancel my card. I was told by a real bitch of a customer service (Tammy Emp ID 1562643) rep that my card would be canceled regardless. I pleaded with her to not cancel it and was told sorry it will be canceled and there is nothing I can do about it. I ask for a new card to be FedEx to me and she refused, said one was already sent to my address in the states. I again informed her that I was out of the country and could not get the new card and I was relying on my current card to pay my Hotel, Tolls etc. No bank should have the right to strand someone while out of the country unless there is proof that fraud has occurred on the account. I ask them what I was to do without access to my account and I was told to go withdraw money from an ATM and deal with my problems in cash. I ask if the back was going to pay the outragious fees that it cost to use an ATM outside the US and was told no that your problem also. You should avoid this Bank at all cost, they will strand you and not think a thing about it and leave you with no access to YOUR MONEY. I will be moving my account elsewhere as soon as I can. US Bank SUCKS If I were to hold someones money like that I would be charged with larceny these assholes need to put behind bars.
The S in US Bank stands for SUCKS. Their fees are totally outrageous and out of line with any other bank. Be prepared to pay $30 to close an account. Very poor customer service to boot.