While broiling some pork loin skewers tonight for dinner on an unusually warm evening here in the upper Midwest - great wine, cool jazz in the air - I got a text message on my mobile. A nice little vibration and jingle near my business center this time of night made me smile thinking it was a female friend of mine checking in to say hi.
I continued rocking on the barbecue and wine waiting not wanting to torch dinner figuring I'd check in with the cell a few minutes later. Finally getting to it, I read the tiny text telling me that my US Bank credit card was in cardiac arrest - suspicious activity abounds and I'm to call some B.S. 800 number. The sender was "Security@USbank.com."
For starters, US Bank is the bank behind my card - so seeing a message from what at first appeared to be a legit dotcom made me take pause. Then, as a savvy consumer, I disregarded the number texted to me requesting a call-back - I called the number on the back of my card and spoke to a CSR. They quickly informed me the text was a scam and not to respond to it - which I didn't. They checked my card activity and confirmed I was OK.
Relieved I thanked the rep - she asked if I was interested in upping my credit limit. I responded "thank you, no - but would you be interested in lowering my interest rate?" I never hesitate to ask, as if you make timely payments, often they will lower it. "At this time, you're at the lowest we allow" she replied.
I hung up, finished grilling perfect kabobs, had some great wine and will sleep easier tonight knowing I haven't been scammed by some creep who inadvertently got my mobile number. The lesson to take from this gentle readers is to NEVER respond to TEXT messages from finance/credit companies on your mobile phone. Don't call their numbers or go to their sites. If you have questions, call the number on the back of the card only! Be your own hero - use common sense and don't let somebody take advantage of you. Slim, just stay off my reviews and informatives - I don't have time or inclination to explain basic logic to you.
PORT ANGELES, WASHINGTON -- Due to an error caused by a company we are no longer dealing with money was withdrawn from our account and unknown to us it caused an overdraft and they refuse to stop charging the seven dollars a day, they never contacted us to tell us they just allowed the charges to accrue, my husband has been out of work since October and we were no longer using that account due to their practices and had tried to close it and were told we had to wait a week.
This is not the first time they have done this to us and we were trying to work out a reasonable solution and the bank manager Lisa was extremely rude and felt it was our fault, so we contacted the district manager at another branch and she never returned our call.... so we decided to cut our losses and pay the $125.00 lisa had quoted, we drove to the Lincoln street branch in Port Angeles WA and Lisa refused to take the $125.00 saying peggy told her we have to pay $196.00 to clear it all up, this is now going to take most of my husband's cheque and we will no longer be able to afford to pay our heating bill or buy food.
Peggy claims to be a big hearted woman on the boards of charitable associations and yet she is really a publicity seeking fraud, obviously there is nothing in it for her to help us so rather than admit they were partly to blame they want to lay it all off on us, and all we have tried to do is keep our family clothed and fed and a roof over our heads, we are trying to adopt our young grandchildren, we work with our church to help the homeless and due to people like Peggy and Lisa we could very well be homeless ourselves.
I warn anyone thinking of using US Bank to RUN not walk to the nearest credit union. Banks claim to be there for you but in reality they are just finding new ways to screw you out of your hard earned money. They got the money returned to them that was taken out in error so they are out nothing and yet they are still charging us money daily and even told us no matter what they will keep doing it until we pay. I now see why this country is in such rough shape... Banks are screwing the little man right into an early grave. I hope that by my writing this that I can stop at least one family from going through what we are.
DO NOT LEASE FROM U.S. Bank under any circumstances. If your dealer uses them, ask him to provide another lender. US Bank has a nifty little trick that they apply to virtually all leasees when they turn in their car. They perform an inspection and then bill you for "excess wear and tear". The Internet is full of stories about this practice. They will bill you for hundreds, even thousands of dollars for ridiculous items. You have to take dozens of digital pictures of every angle of your car to dispute them, and then they will claim the picture is not clear enough or they needed a more detailed close up.
I turned in a car I had leased for 4 years with less than 30,000 miles, 4 brand new tires, that had been garaged every night, little highway driving and was virtually spotless inside and out. They still found $875 worth of "excess wear and tear" which included $60 to remove a decal from my rear bumper, and $275 to "repaint" each front plastic bumper that had very tiny scratches from bugs and road debris. They basically just punish you for not buying the car outright.
I have leased 5 other cars and never paid a penny. I spent 90 days fighting them and only when I threatened to turn the report over to the Attorney General of both my state and theirs, and notify Senator Dodd's office, did they agree to work with me. They admitted no wrongdoing in their estimate, but in the interest of "customer service" agreed to settle for half the charges. I took it to be done with them, even though I knew it was still wrong. They are a horrible greedy company. DO NOT LEASE FROM THEM.
COLUMBUS, OHIO -- I had a house fire in January. The insurance company made the check payable to me and US Bank. They required me to jump through hoops and took the $66,000 to hold. Before they would release the first draft payment to the contractor they required several documents. I took all the required paperwork and the check to a US Bank in Columbus. This branch over-nighted the check to the office in Kentucky that handles insurance claims. Three weeks after providing them all required paperwork for the first draft, NO MONEY was sent to the contractor to order materials. It took five days of complaining to get the first draft mailed to the contractor.
Now I know their games. So for Draft #2, I faxed the required paperwork and requested the required "visual inspection" before they would release the second draft for the contract. Guess what? No response. Two days later I sent the required paperwork and request again, still no response.
These people are holding thousands of dollars of MY MONEY to repair MY HOUSE. Every day they hold MY MONEY is another day I cannot live in MY HOUSE. In 7 1/2 years I have NEVER been late paying my house payment. I am a good customer being treated as if I did not exist. All the while, they hold thousands of dollars that is not theirs.
DEALING WITH US BANK IS THE WORST EXPERIENCE I HAVE EVER HAD WITH ANY INSTITUTION, FINANCIAL OR OTHERWISE. Once my home is repaired I will be refinancing my home loan. I will never have another thing to do with US Bank.
So, I have a credit card from US Bank, and I log in to make a minimum payment and see that my credit card balance is paid in full and my savings account balance is in negative. Still, trusting US bank customer service will help in correcting this system error that I had no clue of, customer service representatives were rude, sarcastic, and too cocky. I was shocked to be treated in such a way.
I insisted to speak with their manager but wasn't transferred after 30 min of holding. Some guy named "Kent" came on line, I took his employee ID: **. He said he is the manager there. I explained him everything. He was in hurry to get rid of my call and said he will take the necessary actions and will post on my account that this web error was not from my side to get overdraft charges refunded.
Now after spending so much time on the call I go to my bank and the manager at the savings bank says that there are no remarks about anything on the account. This process was repeated twice and all I have got is being pushed from one department to another. Don't trust US bank at all. They do not care about you. All they mean is money... They have no respect for their customers.
I do want to know about and want in on any class action lawsuit against the banking industry. I used my debit card on a Friday evening to pay my cable/internet bill. I made an error in math and quickly went to the bank as soon as they open on Monday A.M. to cover the minor negative balance of $17.00. They still charged me the $37.50 in fees later that day. I am now broke and the cable bill of which they held funds for had not gone through yet as well as 2 other charges. 1 for $14.00 and 1 for $1.50.
So now because they pulled the $37.50 charge money from the held funds for my cable bill for their bank charge, they have now caused a domino effect and I will be responsible for over $100.00 in charges. I will not be able to now pay my rent on time and I am solely responsible for keeping a roof over 6 people heads.
When you deal with U. S. Bank they do not assist in reversing any fees ever over the phone. They force you to go to your individual branch to talk to the manager, which in my case is highly embarrassing as I work for a reputable company in a small town that deals with US Bank exclusively and are not very forgiving on bank charges at all. Read on. I have another complaint about another bank. I will have to eat these charges, but I still think that $37.50 for a $1.50 charge is unforgivable. Especially when you are living paycheck to paycheck in these economic times.
MILWAUKEE, WISCONSIN -- My mother passed away approximately 1 year ago. I am the executor of her estate. She has been a US Bank customer for over 20 years. In settling the estate, we paid all her final bills and withdrew funds down to $100-$200 or so. I called US Bank a number of times to let them know my mother was diseased and that I wanted to close the account (...ever try to get someone on the phone at U.S. Bank???)
They frequently refused to talk with me even though they had copies of my power of attorney for 10 years. Though the account had virtually no usage, they continued to assess charges against the account until it became negative ($125.00). I finally drove to the branch that she normally dealt with, and handed them a copy of my mother's death certificate and asked to close the account. They refused to close the account because it has a negative balance of ($125.00). They also informed me they would report this to the credit bureaus and affect my personal credit.
They have enriched themselves through excessive fees depleting what was left of a deceased woman's account and now want to continue to collect fees well after they were informed of her death. I think US Bank could find a more ethical method of achieving a profit than scavenging the balances of long time customers after their deaths. The "customer service" people (including the branch manager) recited bank policy like a couple of mindless/emotionless robots. They should be ashamed.
US Bank chooses to notify its members by mail instead of email or both. I am a college student and at the beginning of last December I accidentally wrote a check for rent from the wrong checking account. After I went home for Christmas, I went abroad to study in Germany. When I returned to College at the end of January I found a pile of letters informing me of my mistake and telling me I owed the bank approximately $650.00. I have since appealed the charge and received about 50% of my money back. Now the mistake has only cost me $130. I had the money available and if I had been emailed, this charge would be around $27 instead of $130.
I asked a bank representative why they send letters instead of emails and was told that the Bank does not have the resources to send everyone an email. I assume then that US Bank is under the impression letters are cheaper then emails. In addition to being less environmentally friendly the letter system is unethical and exploitive. I would really appreciate an answer to this question of why US Bank chooses to be ethically and environmentally irresponsible by notifying its members of overdraft dues via snail mail instead of via email?
OGDEN, UTAH -- Beware of U.S. Bank and be prepared to be insulted and demoralized when you question their ridiculous fees. What kind of fees you ask, let me tell ya. In the last few months we have paid in excess of $350.00 as U.S. Bank seemingly has an automated system that is smarter than the average banker. The bottom line is all transactions are a strategic manipulation of your money that is simple yet complex and apparently legal.
When questioned the employees justify the ridiculous fees, in excess of $165.00 for a $5.00 ATM overdraft that was permitted even though I don't have overdraft protection, as a courtesy. The only courtesy here is straight to the greedy execs that have the tellers belittle you by making statements such as "it's good you know how to read" in response to other complaints on the web.
Never ever get a new account there and consider moving your money if you currently have one. I wish we would have. We are not trapped and slaves to their apparently legal, criminal, unethical misconduct! Shame on them and the puppets who unluckily landed in their clutches. Karma!
ST. LOUIS, MISSOURI -- On February 7, 2008, I sold a car. On that same day and with the proceeds from the sale, I purchased a cashier's check from my bank, went directly to a lobby teller window a local branch of US Bank and paid off the installment loan. It is now 27 days and counting, and I have still not received a lien release from US Bank. I have called US Bank at least four times during the last 27 days, yet I continue to wait for the lien release.
Also, I learned from US Bank that I have a refund of about $830.00 due to me, which I have yet to receive. Could it be that US Bank treats consumers like this so that they can earn interest on our money while we wait? The person who purchased my car is also waiting for the lien release so that he can get the car registered and titled with the state.