topic Re: Done with US Bank! in Credit Cards

Done with US Bank!

Anonymous — Thu, 14 Jul 2016 16:08:50 GMT

After dealing with 13 months of US Bank I'm done with them. Everything takes weeks to resolve, customer service wait times have been pushing 30-45 minutes or more in the recent months! Then to push me over the top I received an alert that US Bank pulled my credit yesterday with a hard pull. I called as soon as I saw the alert and the customer service rep stated I had requested it yesterday over the phone for a CLI! I flat outside stated that isn't true because last week I called to inquiry about a CLI and was told accounts can't be given a CLI until at least 6 statements cut for a product. And told him it was lie because I didn't even call yesterday! He told me to dispute it with transunion. When I asked to speak to manager he came back on the line and told me that it states in the fine print that it's a hard pull...hmmm what fine print of you just lied to me and told me I supposedly did it over the phone?Throw in the fact that I was told I need a hard pull to insecure my secure card which I did agree to do ended up in a hard pull three months ago for them to turn around and send me out a cash rewards card with an 800 dollar limit and not even unsecure my secured card but close it out! Still waiting three months later for a resolution on this and haven't heard from them yet. Then the unwillingness to at least PC the card they sent me for the wrong pull three months ago. I told him to shove it and cancel the rewards card! He didn't tried to tell me I should cancel beauE they offer great customer service ha I laughed and then ended the phone call. I just don't see how people love USBank products when everything is so backwards and takes so long to resolve! Won't miss an 800 dollar card and won't affect my UTI! End of rant

Re: Done with US Bank!

Creditaddict — Thu, 14 Jul 2016 16:12:28 GMT

I closed personal and business bank accounts last year and never looked back... I have kept the credit cards that were already open but they have plummeted from the bank they use to be in the early 2000's... and the online system hasn't changed since the 2000's!

They are on my list as about the worst!

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 16:31:48 GMT

There online system and app is a joke. What also bothered me was if you used their card to make a purchase it would take up to a week for it to reflect on your account and even for available credit. I only used it for Lyft because they were low charges and didn't care when it would post or show pending. But I had even stopped using it for that. I've read on here they have great products and blah blah on how great they are, but seems like they're not that great. Won't miss them taking up any space in my sock draw.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 16:44:33 GMT

I've been done with commercial banks for a while. except for my Citi Double Cash card, which I basically steal money from Citi with that card.

Want to make America great again? Don't support Wall Street by purchasing or doing business with companies who act like a crutch for them. I'm planning on having my DC replaced with a credit union card within the next year, but my planning and research to find the best one is still in the infancy stages.

Re: Done with US Bank!

Creditaddict — Thu, 14 Jul 2016 16:46:55 GMT

Navy cash rewards at 1.5% I would think.
Flagship if you do all travel gets you to 2% but with small af

Re: Done with US Bank!

driftless — Thu, 14 Jul 2016 16:51:03 GMT

We closed all of our personal and business accounts with them in February and went down to one bank, Chase. I agree that their CS is lacking both on-line and in their branches. They did a HP for a CLI for my small LOC which was annoying.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 17:43:14 GMT

I currently bank with Baxter Credit Union and have been with them for 6 years and I have absolutely no complaints with them, also my car loan is through them as well. Unfortunately the credit cards they over are similar to what I have, but only allow redemption once a year.

I think big banks don't care about the individual because there's probably someone applying for a card with US Bank now and they don't care about my business. Glad they only made money off of the swipe fee and not the interest.

Re: Done with US Bank!

Scupra — Thu, 14 Jul 2016 18:42:42 GMT

Yikes!! US Bank is who purchased my home loan.. Hoping I never have to deal with them :/

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 18:58:10 GMT

I now have there SECURED 5k CC for more than a 1yr 3mo.;I keep reading post that when you call in to unsecure they jus open you up another card;(what the fudge)am I missing something;how can they do that!please can anyone here tell me how to avoid this...I plan on trying to unsecure soon😖

Definitely,not my first SECURED CC,had WF,nfcu...as 1unsecured...I jus roll the cash to the next and add cash to it...and then comes along US bank;hoping this doesn't back fire on me😶my elan/was gonna be the last roll over;wish WF was last I would have boosted that puppie from 5k to 10k😛!!!

Re: Done with US Bank!

Involver — Thu, 14 Jul 2016 19:01:17 GMT

US Bank will continue to subsidize my mobile phone and gym at a rate of 5% until they nerf the rewards. Never had a problem with them.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 19:04:27 GMT

I'll use my Amex ten percent cash back for my phone problem solved for me and no need to carry it.

Milofico that's exactly what they did to me and have tried for three months to get it corrected.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 19:13:55 GMT

@andydenver86@

😐 Not kool 😐

Is there a way I should word it to them?? Flipping,US bank what's the unsecure my acc. CODE!!! LOL😃

Re: Done with US Bank!

Tim_S — Thu, 14 Jul 2016 19:24:24 GMT

I am right behind you! I've been with US Bank for about 10 years now. I've had a $300 credit limit on one of their credit cards for 10 years and they refuse to increase my limit. They've issued me different cards with MUCH higher limits but refuse to increase the limit on my platinum card that I've had the longest, (I don't want to cancel it because I'll lose the age of the account). Not that it's going to make any difference to them, but I'm taking my $40,000 checking/savings balance to Chase.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 19:30:22 GMT

Tim_s if you canc it it wit hurt it. Positive history will stay on for ten years. I'm sure 300 bucks isn't going to hurt your UTI.

Not sure how better to word it milifico. I asked about it and specifically asked on the phone if it would un secure the card j was told yes and then a few weeks later I received a brand new card with an 800 dollar limit and my secured card was never closed until I had to go to branch for them to call and close it.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 19:43:34 GMT

@Tim_S wrote:
I am right behind you! I've been with US Bank for about 10 years now. I've had a $300 credit limit on one of their credit cards for 10 years and they refuse to increase my limit. They've issued me different cards with MUCH higher limits but refuse to increase the limit on my platinum card that I've had the longest, (I don't want to cancel it because I'll lose the age of the account). Not that it's going to make any difference to them, but I'm taking my $40,000 checking/savings balance to Chase.

Mmmm. A different way of reporting this would be "Fortunately, they have since given me cards with MUCH higher limits, so no problem."

Are you planning to use the platinum card for anything (and if so, why!) If not, why does the low limit matter at all. So long as the cards you use have good limits, sounds like US Bank is doing OK for you. You really don't need all cards to "grow", so long as you have enough credit for your needs.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 20:12:13 GMT

Nothing Postive to say in regards. We broke up. I'm sure I'm blacklisted. My family still banks with them. I sit with PenFed, DCU, NFCU and USAA. My 4 horsemen.

I would suggest finding a Credit Union. Or 2. I can offer my experiences on those 4, as how I handle finances those 4 have been a perfect symbiotic relationship over The vampiric one I had with USB.

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 20:55:40 GMT

Like I stated I bank with a credit union, just not interested in BCUs credit products

Re: Done with US Bank!

Anonymous — Thu, 14 Jul 2016 21:23:39 GMT

My bad. Lesson learnt: Never reply in a hurry on mobile!

GL and thanks for sharing.

Re: Done with US Bank!

dragontears — Thu, 14 Jul 2016 23:10:57 GMT

I guess everyone's experience is different. I have banked with US Bank for about 20 years and have never had a problem with them but I also rarely have the need to call them

Re: Done with US Bank!

Anonymous — Fri, 15 Jul 2016 02:16:44 GMT

That sucks to hear it didn't work out for you. US bank is solid on my list.