US Bank offer 0% APR transfer for 1st year. It actually 3% transaction fee. whitch mean that first year will be 3% of apr.
beware of the hidden fee that no one know. they charge it after all transaction done. not thing you can do about it. Even when you call. it will transfer one to other to handle the call. but still you will be charge 3% of the fee. no 0% that they offer at the bank. they are liar. becarefull of the scam.
In December 2009 my company hired a contractor to work on homes we owned in Fort Wayne Indiana. We are in California so in order to purchase materials WDIA would check out at a hardware store in Ft. Wayne and I would give the payment information to the customer service department. The contractor somehow convinced the representative to add my credit card info to his contractor without my permission. The contractor then began using my card to purchase materials for other jobs over a six month period. We were running approximately $1 million a month on the card for material purchases in 22 states so our back office missed the charges.
Two weeks after submitting the fraud claim to US Bank I was called by Shannon (866-540-9904 * 11039) in the fraud department for a debriefing. It was clear from the first call that Shannon’s objective was not assisting my company with the fraud charges, but rather trying to find a way to deny the claim. On 7/28/2009 I spoke with Detective Laura Ashley (714-647-7486) at the Orange County Sheriff's department where I originated the police report. Detective Ashley said the case was transferred to the Fort Wayne Police Department on 07/26/09 and to wait a week before contacting them. I gave this information to Shannon at US Bank. On 08/04/2009 Shannon at US Bank contacted me and said that she spoke with the Detective in Fort Wayne and that the Fort Wayne detective told her that they were not pressing criminal charges. Shannon went on to say because they were not pressing charges US Bank was denying the claim. I was flabbergasted; I had never authorized the transactions, the purchases in no way benefited me, and I had no contract with the merchant or perpetrator to allow the purchases. This was clearly fraud. Shannon said the only way they would reverse their decision is if the Detective pressed charges. I contacted Fort Wayne Detective Wayne Likowski (260-427-1201) and he said the he just spoke with Shannon at US Bank and Shannon told the detective there was a contract between the perpetrator and our company (which is false) that authorized the purchases so we would have to go to court and get the monies back. I asked the Detective if he had this contract, or seen any proof we authorized these transactions, which he said he had not. In fact, he had not even called the perpetrator. I asked him if there was no contract and Jeremy Tillotson used my card fraudulently would it be a criminal matter. He said yes it would but he would have to look into it. It is wrong that Shannon at US Bank steered the investigation by telling the detective there was a contract between Jeremy and our company and that Menards (the merchant) had authorization from our company for the purchases when in fact she fabricated this information and had no supporting evidence.
Of the $84,175 in fraudulent charges I had paid off all but approximately $7,800 on the card, prior to realizing the fraud charges. US Bank denied the fraud charges, steered he police investigation which allowed Jeremy Tillotson to get away with fraud and then US Bank charged off the remaining balance of my business line and came after me personally. I have worked for two years to get the charge off removed from my credit to no avail. This has negatively affected my credit creating increased borrowing costs and difficulty obtaining credit.
Roger, the bank manager, is liar and is very unethical! He tried to make it out to be our fault, even after proving to him to that it was partly our fault (and we accepted responsibility for it) and the rest was clearly his fault, and his bankers fault. He agreed to do something and then went back on his word as soon as we did our part! Mysteriously there was some new issue that conveniently came up as soon as he was suppose to follow through on his end. Bottom line, US Bank is has some friendly staff, but allowing a bank manager to treat current customers in this unethical manner speaks to how they really do business! Don't trust anything this guy has to say. As a Veteran, I warn other Vets from doing business here. They make YOU out the be the bad guy when they lie to you after giving their word!
I Wanted to share with a story that happened to me not even e week ago,on September 12,2014. I was in a huge rush, I was going to work, before work i had to deposit money to my fieance us bank account (mine is Wells fargo).
I went to my bank, got 2338$ cash (all hundreds bills,one twenty and so)....I had to deposit 2838 $ to usbank, I had my personal cash in wallet (500$- my salary for a week, Im a waitress), so I just neded to combine it. When I came to Us bak, there were couple people in front, so I quickly filled out the deposit form. I looked at the receipt Wellsfargo, I put the amount of 2338$ (the mistake I will not forgive myself), I signed,,,, Then I added 500$ from my wallet (all 20 dollar bills), I put it on top on the hunderd dollar billls and one 20$(2338), I gave all to cashier with my mistaken amount on the deposit form(I added 500$ from wallet,but I didnt change on the deposit form the amount).
So she did deposit, I took the receipt but I didnt look at it cuz I was in a huge rush to work...
After work I saw a massage from my fiance.He asked me why I deposit 2338$,not 2838$. And I realized on what happened, me and the cashier did the mistake....
So the next day as soon as they open I went there to speak with that girl that made a deposit. She was like Ohh, hi , I remember you,you deposit yesterday lots of cash. She told me she remembers there were lots of 20 and 100 bils.....If she remembers lots of 20$ bills, my wellfargo money was all 100 bils,(i have the receipt), so where my 500$ cash of 20 $ bills disappered???? But there were no mistakes...She told me she did everyhting right, there were no extra money left after all transactions....
After I came home, I called to their main manager, to make sure he is aware of what has happened and he told me know, give us couple days to look at the cameras...exc.
I was so upset, Im just a waiter, for me 500$ its los of money...I was crying all weekends, cuz I knew there were no actual transactions, it was all cash - and its impossible to prove.
Nobody ever called me, so I called them to speak again with main manager. He told me "the investigation" looked at the cameras - they didnt find anything,,,,,
That feeling when u know that Im not lying, but they do lie and steal the money that I worked so hard for.....(((( I wish I could prove, I thought that they will see on cameras that I opened an envelope from Wellsfargo, and then I opened my wallet - I added lots of cash to it, but never changed my deposit form......
People be aware! They lying and steeling money, I would never expect it from bank- there is no trust....
On August 1st 2014, I made a cash deposit for 532.00 to go into my checking account to pay for this months rent. On August 4th 2014. I get an Email notification from U.S. Bank that my account is overdrawn for 532.00 plus their ridicuolis NSF charges that they rip customers off with, even though this is not my fault. To make along story short I called their fraud liasion department. Got the runaround from that department put on hold and transfered back to the branch, and stated that they ran their teller tapes and they claim that they have no record of my deposit made on that date. I then asked to have the video tape pulled to verifiy that i conducted business on that date. Unfortunately they were unable to pull the tape.According to corporate security. But if they saw me with a gun in my hand they then would have that video pulled PDQ. I have been dealing with the bank manager for two weeks and her excuse was that they have exhausted all of their recsources and was not able to locate that deposit an move further with this issue. Crazy when we have all this modern technology and they cannot locate it. You just cannot trust computers or trust people anymore. After my direct deposit comes in I am CLOSING this account immediately.
US bank is a money stealling company. They gave me a receipt for the transaction. But unfortunately I threw it out. But they should have a image of that deposit made on that specific date. But they said that they won't be able to find the image without the proper proof. I am filing a formal complaint with the Minnesota Attorney General's office and to see what the next step in the chain of command will be. Look out US bank customers, watch your accounts they will steal your assets. But one thing I learned is to keep the receipt. Thats what is going to nip me in the butt.
Several years ago I, a resident of the State of Nevada, opened a checking account with USBank at a branch located in Las Vegas, Nevada.
At that time I was told that to avoid monthly service fees I should open a savings account as well and agree to automatic transfers of $25 per month.
When the savings account balance reached $1,000 I would receive a prepaid debit card with a value of $50 and after maintaining that balance for one year I would receive another $50 prepaid debit card.
usbank.com/start/start.html
"Save $1,000, get $50. When you save $1,000, we'll recognize your achievement with a $50 U.S. Bank Rewards Visa® Card."
One year ago I received my first prepaid debit card but I had few chances to use it since my job has kept me in Costa Rica for quite some time but this card is valid for two years according to the printed expiration date.
Recently I received my second card for $50 and during my recent trip to Las Vegas I decided to try to use these cards.
When I visited the website myusbankcorporaterewards.com I discovered that the bank had deducted $5 from my first card as "administrative fees" of $2.50 per month for two months.
I guess I had been too busy with my work to read the fine print, but after talking with the manager at the bank and researching the above website I have concluded that despite the clever efforts of USBank to "comply" with the law it has actually violated the law.
The main reason for this claim is that US Bank issued to me a 1099-INT for $50 in Tax Year 2013, thus characterizing this pre-paid debit card as an instrument of payment for accrued interest and not a new contractual agreement.
Other relevant facts include:
1. The terms of the debit card were not disclosed to me prior to receiving this card.
2. The "fine print" insert seeks to establish the State of Ohio as the jurisdiction for this contract and I am a Nevada resident doing business with a bank licensed in the State of Nevada.
3. The back of the card reads "Use of this card by you will be your acceptance of the terms of the cardholder agreement and program materials." Thus the bank acknowledges that I have not previously agreed to any terms.
4. US Bank describes this card as a "Rewards Card" as though it is some type of gift but as mentioned above due to the issuance of a 1099-INT this is an instrument of payment for the bank's debt obligation to me for interest accrued.
5. Both Nevada law and Ohio law pertaining to gift cards specifically state:
leg.state.nv.us/NRS/NRS-598.html
NRS 598.0921 (3)a
"...The term does not include:
(2) An instrument or record, by whatever name called, that may be used to obtain goods or services from more than one person or business entity, if the expiration date is printed plainly and conspicuously on the front or back of the instrument or record."
http://codes.ohio.gov/orc/1349.61
1349.61(c)
"Division (A) of this section does not apply to any of the following gift cards:
(6) A gift card that is usable with multiple, unaffiliated sellers of goods or services;"
This clearly is not a gift card.
This is a prepaid debit card which the bank purchased for me as a means of payment of accrued interest which I had earned by lending them my money for a specified period of time.
The manager at the bank told me that she had no means my which to credit the $5 since this card was issued by the credit card division and the only way for me to discuss this matter with the credit card division is to call the number on the back of the card and to agree to a deduction of $1 from the balance of my card just for the opportunity to talk with someone.
Summary:
The appropriate analogy for this case is that of the bank issuing me a check as payment for accrued interest with a stated "valid through" date and then prior to that date placing a stop payment on that check and issuing me a new check for a reduced amount and when I complain they simply point to the fine print on the unused check which states "by using this check you agree to all terms..." but of course I have not used the check and thus have not agreed to any terms.
The original contract was for me to deposit $1,000 into a savings account for a specified period of time and to receive $50 in interest in the form of a prepaid debit card and when I received the anticipated payment instrument from the bank it came with a new proposed contract for acceptance of this payment.
I have not accepted the terms of this contract and yet they proceed to enforce the terms as though this new contract actually had been engaged.
USBank has been offering this promotion for several years at least and I am sure that there are many thousands of accounts to which this type of event has occurred.
I know it's only $5 but someone has to take a stand against this type of business practice.
Ray Shelton, on June 12, 2014 at 5:13 pm said: Dear Elizabeth Warren, Senators and Congressmen, President Obama. American homeowners need protection from US Bank, SN servicing and their third parties. Did their attorneys Andrew Braaksma supervised by Paul Mckenna out of Coral Gables Florida knowingly submit forged documents to the Federal and State courts? Have they committed the crime of Uttering Forgery ? Are they just another law firm like the dis barred David Sterns, the “foreclosure King? It is clear that small Fines, the OCC, nor law enforcement have yet to stop the forgeries and falsified document being submitted to our courts by US Bank and their attorneys. A few judges will not go against the banks bad behavior but many Judges know the truth now and things are changing. We believe that serious interstate crimes have be violated and law enforcement needs to intervene, arrest and prosecute the attorneys and the bank officials who may be committing the crimes. Then you will see an end to the rape and fraud on our American Courts and families. However…We can end this mess very quickly…We need state and national laws that simply says that no family / home owner can ever have their home taken and no Family can be evicted from their home until the home owner gets the final price that the bank legitimately auctioned the home for. Home owner should always have the last right of refusal no matter when an auction or sale takes place. Set up rules to guarantee emergency low cost funding for the buy back by the home owner at rates that are mandated to help the home owner not put them in a harness of heavy interest. That only creates a guaranteed payment failure that is nothing more then hard labor payment servitude doomed for failure. Bankers have made slaves of the American Poor and Middle Class and that must change. Why should overseas countries, foreign companies and corporations buy our homes. They are taking in some cases a fortune in hard work, equity and deposits. Stop putting families on the street. Leaders of America and law Enforcement, Please defend and fight for justice for the American Families.
This bank is to be avoided. They have sneaky little tricks to steal your money and you cannot trust them. I have an account (2mos) and cannot wait to close it.
I received two Visa reward cards from AT&T Uverse as a promotion that are issued by U.S. Bank: one is for $150; another is for $100.
I tried to use one of the cards today that had $18.33 left on it. The purchase was for about $22, and when the merchant ran the card, it came back as declined. Moreover, the merchant stated they cannot do split transactions (cannot enter $18.33 and then allow the customer to pay the difference), although U.S. Bank set the Visa gift card up this way. This makes it fairly difficult to clear a balance out on one of their cards.
From what I understand, this way of processing credit card transactions is not legal. American Express was recently fined in a class action lawsuit for a similar problem in 2013: classactionrebates.com/settlements/amex-gift-card/. Therefore, I filed complaints with the BBB of Minnesota, the Attorney General of my own state, and the Consumer Financial Protection Bureau. If you have experienced a similar problem, I'd suggest that you file your own report. Here are the links:
I am a medically retired US Army veteran. I served almost 8 years in our nation's armed forces . In 2008 I was injured while deployed overseas in Iraq. I was given audible Medical discharge from the United States Army and again my VA process for compensation and health rehabilitation. in early 2007 I was stationed at Fort Bliss Texas on active duty for the United States on. I was in my early 20's married and had just started my family. I did not have a lot of extensive credit and neither did my wife so we were having a hard time purchasing a vehicle. It was suggested to me buy a senior NCO to go through the miles program which I was informed was a program for young soldiers to receive a loan to buy an automobile when they didn't have much established credit or had bad credit. I went to a local Ford dealership and did what he suggested thus financing a vehicle through the miles program who was an underwriter for my loan extended by US bank. I would like to say first that I did then and still do today think that the ideas this combination was supposed to represent was a good idea and could and at times I'm sure has been very beneficial too young soldiers who were not well versed in financial discipline and struggled to get financing. Eager to replace the unreliable vehicle we have been driving I did not question much about the policies that were laid out to Me by the miles program associate. I assumed many soldiers had done the same and my NCO had recommended them this must be the way it was done. I was informed that the only way to receive financing would be to set up an allotment that came out of each paycheck, and that I must keep that allotment in place. I did this and weq drove home a new vehicle that day and made our payments without issue for the next 2 years and several months. (Exact times and dates can be provided). we never missed a payment and in fairness never really had an issue during this period with either miles financing or US bank. At this point I would like to say that I later learned that there were undisclosed fees and that another middle company was receiving a undisclosed payment fo their handeling of the allotment. If I had been informed it would mot have bothered me and even unaware their prescense was of no affect in purchasing this vehicle it was our only option we were happy for the opportunity and very happy with the vehicle. We were informed during the of processing that we should contact all institutions and companies we were doing business with and inform them of our situation and request information or recommendations on what we should do just stay in good standing with our obligations. our first contact with US bank was a phone call to a regular representative and we were told that US bank was well aware and sympathetic to the struggles and concerns of our nations service members. we were told that because we were not in default and had not missed a payment as then that the system would not really allow then to make hardship or struggle changes. They said we would have to wait until we were directly in the situation and then figure out what we would need to do. my medical board was expedited so we had no real chance to save up and prepare for what was about to happen. Midway through the month of October 2010 we were released from active duty and we made our move back to Kansas. On the first of the next month we received the dislocation from the Army it was less than $1000 or rent was 800. We again contacted US bank to ask for guidance on what to do whether we should make a partial payment or if there were other options. We were shocked when they told us that we needed to pay off the full remaining amount. They went on to explain that we we're in default of our contract because we had severed the allotment put in place to make our monthly payments. This allotment they said it was a requirement. We contacted several agencies to include the American Red Cross. Going through these processes improving who we were and what our situation was took two to three weeks, furthermore during this period my wife had gotten a job to help with the struggles but it was low paying and almost 80 miles one way from our home. Red Cross agreed to help us with d missing payment and the payment that was going to be due on the first of the next month. But they would only help us if it would get us out of the situation that had become our hardship..they contacted US Bank Representatives and were told that making the payments would not stop the actions underway to repossess the vehicle. Due to thisRed Cross would not help make the payment. Beyond that US bank told us that we could not refinance the vehicle even though my credit score was much better than when I bought the car, they say that you cannot refinance under the miles loan program because you signed in for a fixed interest rate for the life of the loan. A week or two into the next month after missing only two payments during the entire course of the loan around 130 or two in the morning my wife walked out of Buffalo Wild Wings to find that her vehicle was gone. Immediately we filed a theft report with the local police department as during the panic not much else had come to mind. it did not take long officers to contact us and inform us that our vehicle had been repossessed do to the lack of payments. We now had no vehicle my wife lost her job and we really did not have any money to purchase another vehicle. Most of the state agencies or nonprofit organizations would only help if you could show that their assistance would help you not be in a financial hardship. They would not help if it would only prolong the situation. In short we were forced to purchase after our next check a very cheap high mileage car with no heat. Over the next two years we went through 2 more all with no heat or AC to help with the seasonal extremes and we had three children 1 being an infant. In 2013 my family and I moved to Colorado 2 finish our VA process. We have done so and since started receiving full compensation. we have finally found a dealership that helps to put us into a good reliable vehicle even though my credit was ruined by the repossession and it is still on there taking points every month and showing as an expense. this minute anyone who considered me as an applicant for a loan could not help do to my debt to income ratio. The amount we still owe on the loan continues to climb from US bank and they continue to harass me consistently for payments. US bank and Miles financing were taken to court for illegal practices against United States soldiers both for undisclosed charges as well as demanding that soldiers make their payment through an allotment. I am currently searching weather there are any options for me to pursue since so much time has passed. I really just want to get all the negative information all of my record so financial institutions can see the truth of my financial practices today and not be misled buy this scandalous situation that is only shown as numbers when looking at my credit report. If anyone has suggestions or has been through this situation themselves please comment. I also will leave comments if there is any change in my situation for others to read that might be considering the same things but don't know what to do. Thanks for your time.
US Bank Reviews
US Bank offer 0% APR transfer for 1st year. It actually 3% transaction fee. whitch mean that first year will be 3% of apr.
beware of the hidden fee that no one know. they charge it after all transaction done. not thing you can do about it. Even when you call. it will transfer one to other to handle the call. but still you will be charge 3% of the fee. no 0% that they offer at the bank. they are liar. becarefull of the scam.
In December 2009 my company hired a contractor to work on homes we owned in Fort Wayne Indiana. We are in California so in order to purchase materials WDIA would check out at a hardware store in Ft. Wayne and I would give the payment information to the customer service department. The contractor somehow convinced the representative to add my credit card info to his contractor without my permission. The contractor then began using my card to purchase materials for other jobs over a six month period. We were running approximately $1 million a month on the card for material purchases in 22 states so our back office missed the charges.
Two weeks after submitting the fraud claim to US Bank I was called by Shannon (866-540-9904 * 11039) in the fraud department for a debriefing. It was clear from the first call that Shannon’s objective was not assisting my company with the fraud charges, but rather trying to find a way to deny the claim. On 7/28/2009 I spoke with Detective Laura Ashley (714-647-7486) at the Orange County Sheriff's department where I originated the police report. Detective Ashley said the case was transferred to the Fort Wayne Police Department on 07/26/09 and to wait a week before contacting them. I gave this information to Shannon at US Bank. On 08/04/2009 Shannon at US Bank contacted me and said that she spoke with the Detective in Fort Wayne and that the Fort Wayne detective told her that they were not pressing criminal charges. Shannon went on to say because they were not pressing charges US Bank was denying the claim. I was flabbergasted; I had never authorized the transactions, the purchases in no way benefited me, and I had no contract with the merchant or perpetrator to allow the purchases. This was clearly fraud. Shannon said the only way they would reverse their decision is if the Detective pressed charges. I contacted Fort Wayne Detective Wayne Likowski (260-427-1201) and he said the he just spoke with Shannon at US Bank and Shannon told the detective there was a contract between the perpetrator and our company (which is false) that authorized the purchases so we would have to go to court and get the monies back. I asked the Detective if he had this contract, or seen any proof we authorized these transactions, which he said he had not. In fact, he had not even called the perpetrator. I asked him if there was no contract and Jeremy Tillotson used my card fraudulently would it be a criminal matter. He said yes it would but he would have to look into it. It is wrong that Shannon at US Bank steered the investigation by telling the detective there was a contract between Jeremy and our company and that Menards (the merchant) had authorization from our company for the purchases when in fact she fabricated this information and had no supporting evidence.
Of the $84,175 in fraudulent charges I had paid off all but approximately $7,800 on the card, prior to realizing the fraud charges. US Bank denied the fraud charges, steered he police investigation which allowed Jeremy Tillotson to get away with fraud and then US Bank charged off the remaining balance of my business line and came after me personally. I have worked for two years to get the charge off removed from my credit to no avail. This has negatively affected my credit creating increased borrowing costs and difficulty obtaining credit.
Roger, the bank manager, is liar and is very unethical! He tried to make it out to be our fault, even after proving to him to that it was partly our fault (and we accepted responsibility for it) and the rest was clearly his fault, and his bankers fault. He agreed to do something and then went back on his word as soon as we did our part! Mysteriously there was some new issue that conveniently came up as soon as he was suppose to follow through on his end. Bottom line, US Bank is has some friendly staff, but allowing a bank manager to treat current customers in this unethical manner speaks to how they really do business! Don't trust anything this guy has to say. As a Veteran, I warn other Vets from doing business here. They make YOU out the be the bad guy when they lie to you after giving their word!
US BANK in 5555 cleveland ave columbus OH northland meijer
today i went us bank baranch northland meijer 5555 cleveland columbus oh
it was around 3 pm my account was overdraft charge and i ask branch manager how it heapen
he cant help me and he worst customer service experience and he tell me how it hit heapen ovedraft
THE charge three times or more that is rip off
I Wanted to share with a story that happened to me not even e week ago,on September 12,2014. I was in a huge rush, I was going to work, before work i had to deposit money to my fieance us bank account (mine is Wells fargo).
I went to my bank, got 2338$ cash (all hundreds bills,one twenty and so)....I had to deposit 2838 $ to usbank, I had my personal cash in wallet (500$- my salary for a week, Im a waitress), so I just neded to combine it. When I came to Us bak, there were couple people in front, so I quickly filled out the deposit form. I looked at the receipt Wellsfargo, I put the amount of 2338$ (the mistake I will not forgive myself), I signed,,,, Then I added 500$ from my wallet (all 20 dollar bills), I put it on top on the hunderd dollar billls and one 20$(2338), I gave all to cashier with my mistaken amount on the deposit form(I added 500$ from wallet,but I didnt change on the deposit form the amount).
So she did deposit, I took the receipt but I didnt look at it cuz I was in a huge rush to work...
After work I saw a massage from my fiance.He asked me why I deposit 2338$,not 2838$. And I realized on what happened, me and the cashier did the mistake....
So the next day as soon as they open I went there to speak with that girl that made a deposit. She was like Ohh, hi , I remember you,you deposit yesterday lots of cash. She told me she remembers there were lots of 20 and 100 bils.....If she remembers lots of 20$ bills, my wellfargo money was all 100 bils,(i have the receipt), so where my 500$ cash of 20 $ bills disappered???? But there were no mistakes...She told me she did everyhting right, there were no extra money left after all transactions....
After I came home, I called to their main manager, to make sure he is aware of what has happened and he told me know, give us couple days to look at the cameras...exc.
I was so upset, Im just a waiter, for me 500$ its los of money...I was crying all weekends, cuz I knew there were no actual transactions, it was all cash - and its impossible to prove.
Nobody ever called me, so I called them to speak again with main manager. He told me "the investigation" looked at the cameras - they didnt find anything,,,,,
That feeling when u know that Im not lying, but they do lie and steal the money that I worked so hard for.....(((( I wish I could prove, I thought that they will see on cameras that I opened an envelope from Wellsfargo, and then I opened my wallet - I added lots of cash to it, but never changed my deposit form......
People be aware! They lying and steeling money, I would never expect it from bank- there is no trust....
I only wish I could get my money back........
On August 1st 2014, I made a cash deposit for 532.00 to go into my checking account to pay for this months rent. On August 4th 2014. I get an Email notification from U.S. Bank that my account is overdrawn for 532.00 plus their ridicuolis NSF charges that they rip customers off with, even though this is not my fault. To make along story short I called their fraud liasion department. Got the runaround from that department put on hold and transfered back to the branch, and stated that they ran their teller tapes and they claim that they have no record of my deposit made on that date. I then asked to have the video tape pulled to verifiy that i conducted business on that date. Unfortunately they were unable to pull the tape.According to corporate security. But if they saw me with a gun in my hand they then would have that video pulled PDQ. I have been dealing with the bank manager for two weeks and her excuse was that they have exhausted all of their recsources and was not able to locate that deposit an move further with this issue. Crazy when we have all this modern technology and they cannot locate it. You just cannot trust computers or trust people anymore. After my direct deposit comes in I am CLOSING this account immediately.
US bank is a money stealling company. They gave me a receipt for the transaction. But unfortunately I threw it out. But they should have a image of that deposit made on that specific date. But they said that they won't be able to find the image without the proper proof. I am filing a formal complaint with the Minnesota Attorney General's office and to see what the next step in the chain of command will be. Look out US bank customers, watch your accounts they will steal your assets. But one thing I learned is to keep the receipt. Thats what is going to nip me in the butt.
Several years ago I, a resident of the State of Nevada, opened a checking account with USBank at a branch located in Las Vegas, Nevada.
At that time I was told that to avoid monthly service fees I should open a savings account as well and agree to automatic transfers of $25 per month.
When the savings account balance reached $1,000 I would receive a prepaid debit card with a value of $50 and after maintaining that balance for one year I would receive another $50 prepaid debit card.
usbank.com/start/start.html
"Save $1,000, get $50. When you save $1,000, we'll recognize your achievement with a $50 U.S. Bank Rewards Visa® Card."
One year ago I received my first prepaid debit card but I had few chances to use it since my job has kept me in Costa Rica for quite some time but this card is valid for two years according to the printed expiration date.
Recently I received my second card for $50 and during my recent trip to Las Vegas I decided to try to use these cards.
When I visited the website myusbankcorporaterewards.com I discovered that the bank had deducted $5 from my first card as "administrative fees" of $2.50 per month for two months.
I guess I had been too busy with my work to read the fine print, but after talking with the manager at the bank and researching the above website I have concluded that despite the clever efforts of USBank to "comply" with the law it has actually violated the law.
The main reason for this claim is that US Bank issued to me a 1099-INT for $50 in Tax Year 2013, thus characterizing this pre-paid debit card as an instrument of payment for accrued interest and not a new contractual agreement.
Other relevant facts include:
1. The terms of the debit card were not disclosed to me prior to receiving this card.
2. The "fine print" insert seeks to establish the State of Ohio as the jurisdiction for this contract and I am a Nevada resident doing business with a bank licensed in the State of Nevada.
3. The back of the card reads "Use of this card by you will be your acceptance of the terms of the cardholder agreement and program materials." Thus the bank acknowledges that I have not previously agreed to any terms.
4. US Bank describes this card as a "Rewards Card" as though it is some type of gift but as mentioned above due to the issuance of a 1099-INT this is an instrument of payment for the bank's debt obligation to me for interest accrued.
5. Both Nevada law and Ohio law pertaining to gift cards specifically state:
leg.state.nv.us/NRS/NRS-598.html
NRS 598.0921 (3)a
"...The term does not include:
(2) An instrument or record, by whatever name called, that may be used to obtain goods or services from more than one person or business entity, if the expiration date is printed plainly and conspicuously on the front or back of the instrument or record."
http://codes.ohio.gov/orc/1349.61
1349.61(c)
"Division (A) of this section does not apply to any of the following gift cards:
(6) A gift card that is usable with multiple, unaffiliated sellers of goods or services;"
This clearly is not a gift card.
This is a prepaid debit card which the bank purchased for me as a means of payment of accrued interest which I had earned by lending them my money for a specified period of time.
The manager at the bank told me that she had no means my which to credit the $5 since this card was issued by the credit card division and the only way for me to discuss this matter with the credit card division is to call the number on the back of the card and to agree to a deduction of $1 from the balance of my card just for the opportunity to talk with someone.
Summary:
The appropriate analogy for this case is that of the bank issuing me a check as payment for accrued interest with a stated "valid through" date and then prior to that date placing a stop payment on that check and issuing me a new check for a reduced amount and when I complain they simply point to the fine print on the unused check which states "by using this check you agree to all terms..." but of course I have not used the check and thus have not agreed to any terms.
The original contract was for me to deposit $1,000 into a savings account for a specified period of time and to receive $50 in interest in the form of a prepaid debit card and when I received the anticipated payment instrument from the bank it came with a new proposed contract for acceptance of this payment.
I have not accepted the terms of this contract and yet they proceed to enforce the terms as though this new contract actually had been engaged.
USBank has been offering this promotion for several years at least and I am sure that there are many thousands of accounts to which this type of event has occurred.
I know it's only $5 but someone has to take a stand against this type of business practice.
Ray Shelton, on June 12, 2014 at 5:13 pm said: Dear Elizabeth Warren, Senators and Congressmen, President Obama. American homeowners need protection from US Bank, SN servicing and their third parties. Did their attorneys Andrew Braaksma supervised by Paul Mckenna out of Coral Gables Florida knowingly submit forged documents to the Federal and State courts? Have they committed the crime of Uttering Forgery ? Are they just another law firm like the dis barred David Sterns, the “foreclosure King? It is clear that small Fines, the OCC, nor law enforcement have yet to stop the forgeries and falsified document being submitted to our courts by US Bank and their attorneys. A few judges will not go against the banks bad behavior but many Judges know the truth now and things are changing. We believe that serious interstate crimes have be violated and law enforcement needs to intervene, arrest and prosecute the attorneys and the bank officials who may be committing the crimes. Then you will see an end to the rape and fraud on our American Courts and families. However…We can end this mess very quickly…We need state and national laws that simply says that no family / home owner can ever have their home taken and no Family can be evicted from their home until the home owner gets the final price that the bank legitimately auctioned the home for. Home owner should always have the last right of refusal no matter when an auction or sale takes place. Set up rules to guarantee emergency low cost funding for the buy back by the home owner at rates that are mandated to help the home owner not put them in a harness of heavy interest. That only creates a guaranteed payment failure that is nothing more then hard labor payment servitude doomed for failure. Bankers have made slaves of the American Poor and Middle Class and that must change. Why should overseas countries, foreign companies and corporations buy our homes. They are taking in some cases a fortune in hard work, equity and deposits. Stop putting families on the street. Leaders of America and law Enforcement, Please defend and fight for justice for the American Families.
This bank is to be avoided. They have sneaky little tricks to steal your money and you cannot trust them. I have an account (2mos) and cannot wait to close it.
I received two Visa reward cards from AT&T Uverse as a promotion that are issued by U.S. Bank: one is for $150; another is for $100.
I tried to use one of the cards today that had $18.33 left on it. The purchase was for about $22, and when the merchant ran the card, it came back as declined. Moreover, the merchant stated they cannot do split transactions (cannot enter $18.33 and then allow the customer to pay the difference), although U.S. Bank set the Visa gift card up this way. This makes it fairly difficult to clear a balance out on one of their cards.
From what I understand, this way of processing credit card transactions is not legal. American Express was recently fined in a class action lawsuit for a similar problem in 2013: classactionrebates.com/settlements/amex-gift-card/. Therefore, I filed complaints with the BBB of Minnesota, the Attorney General of my own state, and the Consumer Financial Protection Bureau. If you have experienced a similar problem, I'd suggest that you file your own report. Here are the links:
bbb.org/minnesota/http://www.consumerfinance.gov/
Also, here is U.S. Bank's address:
U.S. Bancorp
U.S. Bancorp Center
800 Nicollet Mall
Minneapolis, MN 55402
I am a medically retired US Army veteran. I served almost 8 years in our nation's armed forces . In 2008 I was injured while deployed overseas in Iraq. I was given audible Medical discharge from the United States Army and again my VA process for compensation and health rehabilitation. in early 2007 I was stationed at Fort Bliss Texas on active duty for the United States on. I was in my early 20's married and had just started my family. I did not have a lot of extensive credit and neither did my wife so we were having a hard time purchasing a vehicle. It was suggested to me buy a senior NCO to go through the miles program which I was informed was a program for young soldiers to receive a loan to buy an automobile when they didn't have much established credit or had bad credit. I went to a local Ford dealership and did what he suggested thus financing a vehicle through the miles program who was an underwriter for my loan extended by US bank. I would like to say first that I did then and still do today think that the ideas this combination was supposed to represent was a good idea and could and at times I'm sure has been very beneficial too young soldiers who were not well versed in financial discipline and struggled to get financing. Eager to replace the unreliable vehicle we have been driving I did not question much about the policies that were laid out to Me by the miles program associate. I assumed many soldiers had done the same and my NCO had recommended them this must be the way it was done. I was informed that the only way to receive financing would be to set up an allotment that came out of each paycheck, and that I must keep that allotment in place. I did this and weq drove home a new vehicle that day and made our payments without issue for the next 2 years and several months. (Exact times and dates can be provided). we never missed a payment and in fairness never really had an issue during this period with either miles financing or US bank. At this point I would like to say that I later learned that there were undisclosed fees and that another middle company was receiving a undisclosed payment fo their handeling of the allotment. If I had been informed it would mot have bothered me and even unaware their prescense was of no affect in purchasing this vehicle it was our only option we were happy for the opportunity and very happy with the vehicle. We were informed during the of processing that we should contact all institutions and companies we were doing business with and inform them of our situation and request information or recommendations on what we should do just stay in good standing with our obligations. our first contact with US bank was a phone call to a regular representative and we were told that US bank was well aware and sympathetic to the struggles and concerns of our nations service members. we were told that because we were not in default and had not missed a payment as then that the system would not really allow then to make hardship or struggle changes. They said we would have to wait until we were directly in the situation and then figure out what we would need to do. my medical board was expedited so we had no real chance to save up and prepare for what was about to happen. Midway through the month of October 2010 we were released from active duty and we made our move back to Kansas. On the first of the next month we received the dislocation from the Army it was less than $1000 or rent was 800. We again contacted US bank to ask for guidance on what to do whether we should make a partial payment or if there were other options. We were shocked when they told us that we needed to pay off the full remaining amount. They went on to explain that we we're in default of our contract because we had severed the allotment put in place to make our monthly payments. This allotment they said it was a requirement. We contacted several agencies to include the American Red Cross. Going through these processes improving who we were and what our situation was took two to three weeks, furthermore during this period my wife had gotten a job to help with the struggles but it was low paying and almost 80 miles one way from our home. Red Cross agreed to help us with d missing payment and the payment that was going to be due on the first of the next month. But they would only help us if it would get us out of the situation that had become our hardship..they contacted US Bank Representatives and were told that making the payments would not stop the actions underway to repossess the vehicle. Due to thisRed Cross would not help make the payment. Beyond that US bank told us that we could not refinance the vehicle even though my credit score was much better than when I bought the car, they say that you cannot refinance under the miles loan program because you signed in for a fixed interest rate for the life of the loan. A week or two into the next month after missing only two payments during the entire course of the loan around 130 or two in the morning my wife walked out of Buffalo Wild Wings to find that her vehicle was gone. Immediately we filed a theft report with the local police department as during the panic not much else had come to mind. it did not take long officers to contact us and inform us that our vehicle had been repossessed do to the lack of payments. We now had no vehicle my wife lost her job and we really did not have any money to purchase another vehicle. Most of the state agencies or nonprofit organizations would only help if you could show that their assistance would help you not be in a financial hardship. They would not help if it would only prolong the situation. In short we were forced to purchase after our next check a very cheap high mileage car with no heat. Over the next two years we went through 2 more all with no heat or AC to help with the seasonal extremes and we had three children 1 being an infant. In 2013 my family and I moved to Colorado 2 finish our VA process. We have done so and since started receiving full compensation. we have finally found a dealership that helps to put us into a good reliable vehicle even though my credit was ruined by the repossession and it is still on there taking points every month and showing as an expense. this minute anyone who considered me as an applicant for a loan could not help do to my debt to income ratio. The amount we still owe on the loan continues to climb from US bank and they continue to harass me consistently for payments. US bank and Miles financing were taken to court for illegal practices against United States soldiers both for undisclosed charges as well as demanding that soldiers make their payment through an allotment. I am currently searching weather there are any options for me to pursue since so much time has passed. I really just want to get all the negative information all of my record so financial institutions can see the truth of my financial practices today and not be misled buy this scandalous situation that is only shown as numbers when looking at my credit report. If anyone has suggestions or has been through this situation themselves please comment. I also will leave comments if there is any change in my situation for others to read that might be considering the same things but don't know what to do. Thanks for your time.