i applied to refinance my truck after buying it new 9 months ago . people told me to try U S bank and they were suppose to be very reasonable , WHAT A JOKE !!!!! . i was shopping for the best interest rate as i am at 9.5% now . my credit union will do it at 5% but i thought with a 760 credit score and no lates at ALL maybe they could do better , anyway after 5 days and not hearing anything i called the branch and they informed me that i had been denied !!!! really ? . and it was because i had a BK 3 years ago , they said i would have to wait 6 years to be eligable . this bank is rediculious if they dont want my money i will give it to my credit union . DO NOT go with this bank for an auto loan ..... try a credit union or anything else . save yourself the B.S.
I was banking with charter bank which I loved and never had a problem. When US Bank was taking over Charter, I was getting ready to close out my business account which I hardly was using there but thought I'ld see what this new bank is like. Well accidentally a payment was processed thru by this company that i had told to use another bank account of mine and they didn't and it caused this account to be nsf and overdraft and then another auto pay went through and American Express tried to get a $175 payment from them that I did not authorize.
I was never aware of all of this and I guess bank fees were being assessed and then I received a post card that they wanted $535!!! I went to the bank to discuss this and they said they didn't have access to my Charter account even tho they bought out Charter? But would try to find out what happened and after a month i finally was able to get a hold of charter myself since us bank didn't seem to be following up for me. I brought in the paperwork to show them and somehow a $217. 00 overdraft from Charter turned into a $535 balance with US Bank.
I finally had to contact the CEO of US Bank in Minnesota to get this resolved and they ended up charging me the original $215. So I was happy to get this resolved.
I have been a US Bank customer since it was called first bank and i lived in mn. I moved to ca and still was happy. I live in stockton and in the last 6 months have experienced the worst customer service in from any bank in the last 40 years. 3 months ago i had to threaten to close my accounts before they would they'll me, they stockton branch called and found out they could do what i was asking.
Yet again this week, i couldn't get them to take a deposit as i had the wrong account. They wouldn't look up the info, "we don't do that". I just closed on my refine with bank of america and i am also moving my accounts out. I can not believe the condescending attitude and lack of service in stockton.