US Bank Reviews

In late 2025, I applied for a balance transfer credit card from US Bank. The purpose of this balance transfer was to pay off a credit card balance at Citibank.

I was told by US Bank that it would take up to 12 business days for Citibank to receive the funds. The timing of the balance transfer was critical to me because I was attempting to avoid large interest charges from CitiBank. For that reason, I allowed extra time to be certain the funds transferred on time to avoid the unnecessary interest charges from Citibank.
I watched my Citibank account closely to confirm that the funds had been transferred and near the end of the 12 business days, the funds had not transfer. I then became concerned and called US Bank.

I was told by US Bank that the balance transfer information was sent by US mail, and it was likely lost. I was then instructed to resubmit the balance transfer, which would resend the information to Citibank. I resubmitted the balance transfer, but I was not overly concerned with meeting the due date at Citibank because I had built in plenty of time to meet the Citibank due date.
Once again, I looked at my Citibank account, and still no transfer had occurred. After the 12-business-day period ended, I called US Bank, and I was told that the balance transfer was sent to the wrong address.

I told US Bank customer service agent that the address was not provided by me and that I simply had to choose which bank I wanted the funds transferred to from a list of options on the US Bank website. At that point, the customer service agent told me that they had been having problems with some of the addresses on the website. I told the agent that this was a serious problem and that a bank error was now costing me significant interest. At that point, the agent told me that US Bank would refund me the interest because it was their error.

The agent then told me that the issue would be escalated to a supervisor for resolution and that somebody would be getting back to me.
Several weeks passed, so I called US Bank and asked to speak with a supervisor. I was transferred to a supervisor and she confirmed that they had listened to the call and the promise was, in fact, made to refund all of the interest due to a bank error. She told me that a bank error number had been assigned, and that number was 260223****45. She also told me that she would be able to refund me only $50 because that is all her authority allowed, even though I had paid $157.97 in interest.

The supervisor told me that this would be escalated to a higher level to refund the remaining $107.97. I then asked if I would have to call back to chase this down, and she said that "it was a bank error and US Bank has a legal obligation to pay the balance".
Several weeks passed, and I had to call again. This time, I was told that I had to provide evidence that I paid interest charges to Citibank, and the only way to do that is by fax. Since faxing is a very rare way to communicate in 2026, I had to go to Staples to pay to have the evidence faxed to US Bank.
Once again, I waited and never heard back from US Bank, so I called, and this time I was sent to a complaint resolution department to a woman named Natasha.

Natasha told me that they didn't have any record of receiving the fax, and she asked me to mail the evidence to the bank. I mailed the evidence certified the same day.
Several weeks passed, and as you might imagine, I never heard back from US Bank.

I called Natasha and told her that I hadn't heard back from the bank, and she told me that she was no longer handling the case and that I had to start over from the beginning with the customer service department.
After 6 months, and without exaggeration, over 40 calls to US Bank, it is clear to me that the bank's strategy is to wear its customers down with bureaucracy and inconvenience. They have left me with no other option than to escalate this issue to the regulatory agencies to seek resolution.

I am not sure where to start. I have been their customer for over 30 years.

My current complaint goes like this. About 3 weeks ago for the second time since March, my accounts were accessed and compromised. I am not sure how many new checking account numbers, debit cards I have had etc. The second time I was hacked a great deal of money was taken.

I filed my fraud claim on June 20,2026. So it has been basically a month since the whole mess started. I can honestly say that I have wonderful people in the small branch I go to. Its all of the other areas that are in question.

There is a fraud dept. for checking and one for credit cards. I did not have US Bank credit cards when this started. I had to call the fraud group several times a day just to get basic updates.

I am not a wealthy guy. I am currently recovering from both major shoulder reconstruction surgery and hiatal hernia surgery. I have more on my plate than I need. Within the first week It was explained to me that there are laws that allow banks in the US to open or block or close accounts at their discretion.

One is called Regulation 8 and the other one is the common bank-customer agreement that all banks have. So to replace the money I had no access to they ordered a Visa credit card for me. The credit line was far larger than what I needed. Then they got me a second card with a more reasonable limit.

I have had more differing answers etc about the status of my case than I can count. I finally spoke to a fraud manager on the checking account side and she said you are now able to go to your branch and get your money. There had been some money in a savings account and the law dictates that they are supposed to close the account and mail me a certified check. That check has not arrived yet.

(surprise surprise). Two days ago I finally had access to all of the recovered funds and could go to an ATM and take out cash, or use the temporary debit card to purchase items. Then suddenly all of that changed again. I found out yesterday that once again all of my accounts were frozen and set up to be closed for good.

They basically said they are severing ties with me as a customer. They are saying I share in the culpability of the breach because I must have clicked on a link on either my phone or computer that opened the door for the crooks to get in. I have no idea when it happened but its of course all my fault. These people set up shop in a town about an hour and a half drive from where I live.

US Bank allowed them to order and receive a new debit card in my name and have it mailed to an address that I have never lived at or been to. So, its ok for them to send a card to someone that they have never met, but its my fault that I clicked on a link that caused the compromise. Makes no sense. I have no access to any of the money that is mine.

I have to wait until it all comes in the mail and we all know how fast that is. I am being forced to choose a new bank and start from scratch. You can bet this will not be the only forum I will use to let others know what happened. I have to admit there have been a few of the people I have spoken to that were kind and helpful, but not many.

So as of today, I have 40 dollars cash in my wallet and have no idea how long it will take to get the rest. Regulation 8 was a something I have learned about.

Friends, please be careful with your money. Also be careful which bank you choose. They have made it clear that I am not capable of being their customer after 30 years.

A lot of bills that I paid when they told me I could use my temporary debit card were declined because the accounts were frozen and I had no idea. This includes my Mortgage company.

I am more than worn out and have a lot of damage control to do because all of this was my fault. I hope everyone has a great weekend.

My account was frozen due to the bank not receiving my payment which was due on 9/3 and I made it on 9/3. However the bank did not receive the payment I just froze my account until after Labor Day Tuesday.

Today I tried to make a payment for a purchase and it was declined. I WANTED TO USE MY debit card and it was declined too even though I was assured that it was open and working. It worked for two purchases and than stopped working again.

This is not a way to run a large bank. I expect better service and not people/agents to tell me a lie that my DEBIT card was working and in reality it was not.

I complaint to my banker Jennifer Holly, and she was very nice and tried to explain to my that that Tuesday is actually WEDNESDAY.

What a lousy excuse for some agent to lie to me.

I should have about $60.000 in my combined accounts and I will pull them If I do not receive satisfaction.

I know I am a small potatoe but many small potatoes can make a BIG one.

I will write to the president of US Bank and tell him my story about me dissatisfaction about US Bank. Maybe this complaint by me will help, after all US Bank does not have a sterling reputation.

Earlier this month, we received a possible scam check when someone offered to buy our washer and dryer, as we were moving. There was trouble with the check in terms of depositing and the original sender trying to get it back because we fell out of contact with each other.

US Bank opened a fraud investigation and blocked our checking account. When my wife's pension check came in at the end of June, that was blocked too. We have no money to pay our bills, and US Bank has been unresponsive to our emergency.

To top it off with the fact that I am being accused of being involved in the fraud, we are very much two angry 77-year-olds who can't pay our bills or buy food while US Bank sits on over $9,500.00 of our money. We will never do business with US Bank again.