The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 07/07/2022.
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George C @cliffgeorge76
5 Star Rating
Hi! My name is George Clifford, A truck driver here in Denver .About two years ago I had a divorce and then I lost my Job afterwards. Most of our debts were in my name and I also had child support, I missed out on my payments for months because I was broke then. Right now all my debt has been paid, but the negative items still reflect on my credit score 610, 628 and 624. I applied for an auto loan for my new wife but was declined. I was introduced to Rootkits Credit Specialist by a good friend. They helped me remove the negative items and my score rose to 769, 771 and 775. I’ve been pre-approved thanks to them. You too can testify if you reach out to them on [email protected] or you can call 815 524 8116.
US bank is horrible! They reject highly educated with large student loans due to the Debt to Income rules. They assume that full payments will be made when I am on Income based repayment of not more than 10% of my income. Awful bank to apply with. They have a person go over most applications to deny you for any reason.
I am also a US bank customer of 8 years. That didn't help. Stay away!
it is good. love the reward program. lots of good selections on the program. love the fact they have real accessible people in real locations that can be visited. the bank rep set up all the accounts in the app.
Refinanced my auto loan in February to BofA. Been trying since then to get a Lien Release from US Bank. Have spoken to over 2 dozen people, been hung up on, called a liar and sighed at more times than I can count because I kept requesting the lien release sent out and each agent tells me the prior agent made a mistake and they would get it sent properly. I’ve escalated this to managers, senior loan specialists and over 4 months later I still don’t have the lien release. After calling again today I find out they coded my loan wrong as commercial and that’s why I’ve wasted over 15 hours on the phone with these people for the last 4 months. This should have been caught and fixed months ago. Literal worst customer service I’ve ever experienced. Get your Loan somewhere else. Don’t go through what I did to save a couple bucks a month. Totally not worth it. I’ve never called a business so many times in my life. You speak to someone new every time and each one will give you an attitude because you’re frustrated.
2 weeks after I transferred my balance to US Bank, I received a late fee from Wells Fargo and they said they didn’t get it. I later received a PAPER check from US bank that was made out to Wells Fargo but with my address on it. I spent 36 min on the phone with Courtney the so called manager and she said they couldn’t help me in any way. They don’t do electronic transfers, they wouldn’t speak to Wells Fargo, they wouldn’t give me the $29 fee that was due to their error, and wouldn’t even call me back in 20 min in case Wells Fargo wouldn’t take the silly check with the wrong address on it. Terrible customer service and crappy card that has a super low credit limit. ($600 credit limit when I make $135k a year.)
Worst bank I've ever banked with. They said they didn't have any account fees. Seems pretty straight forward, so when we kept getting fees charged on our accounts we reached out to customer service. They said those were analysis service charges (under the fee category). The customer service clearly is purposely hamstrung and they make their money on fees. Let's just say the customer is not their priority. Highly recommend staying away at all costs.
Product: U.S. Bank Business Services
1 Star Rating
I have SO had it!!! We opened several business and private accounts. Initial experience was good because we stumbled upon a branch that had a knowledgeable leader but it went downhill from there. The branch leader was promoted and the new person was sub par at best. We complained and complained and finally got extra contacts at another branch we could phone if we needed help. Not once was the person able to do anything right for the first time. Eventually she stopped answering the phone and calling us back. (And no matter how bad her service I never complained to her, I was always super friendly.) Then they started to close branches, so our GM has to drive forever to deposit cash. Today she just texted me and told me she tried to deposit almost $1000 but the ATM "refused" it but did not return it. She had to go in and file a claim and since US Bank was never able to spell her name right the debit card is in a misspelt name, so they did not believe it was her. I am shopping for a new bank. By all means do not open an account there!
No, U.S. Bank is not closing down. U.S. Bank is downsizing considerably, though, having shuttered close to 600 of its branches from mid-2019 through the end of 2020 as more of its customers continue shifting to digital banking platforms to manage their accounts.
Many of the branches that were temporarily closed in 2020 because of the coronavirus pandemic have since closed permanently, according to officials from U.S. Bank. The branch closures are expected to save U.S. Bank up to $150 million annually, starting as early as the first quarter of 2021.
U.S. Bank's branch closures are part of an overall trend nationwide. More than 4,400 bank branches across the country have closed between 2017 and 2020 – a decline of around 5%.
You can redeem your U.S. Bank Cash+ rewards through your online account on the U.S. Bank website, or your mobile app. You can also redeem your U.S. Bank Cash+ rewards by calling the Cardmember Services number on the back of your card.
Here is how to redeem your U.S. Bank Cash+ rewards:
The best REI Credit Card benefits are LoungeKey membership and a $100 REI Gift card after making a first purchase in the first 60 days. Apart from this, you'll also get World Elite Mastercard benefits like concierge services and trip cancellation insurance.
The REI Credit Card benefits are:
Extended Warranty: Doubles the manufacturer's warranty (up to 2 years) on eligible purchases.
Price Protection: If the price of an eligible purchase drops within 120 days of purchase, you'll get reimbursed for the difference.
Trip Cancellation Insurance: If a trip purchased with the card is canceled due to a covered reason, you get reimbursed for non-refundable payments to a common carrier.
Concierge: Call the concierge for help with deliveries, gift buying, event tickets, and other personal needs.
LoungeKey airport lounge membership: Show the REI Credit Card to get a special pay-as-you-go rate of $32 for Lounge Key airport lounge visits.
ShopRunner membership: Gives unlimited free 2-day shipping from over 140 online stores, plus free return shipping.
Discounts: $5 off first 2 DoorDash orders each month; $5 Lyft credit for taking 3 rides in one calendar month; 5% back on orders from HelloFresh, and $5 Fandango Reward back when you spend $20.
REI welcome gift: $100 gift card after making your first card purchase within 60 days of account opening.
That's not all the REI Credit Card is good for, however. These benefits are in addition to the ongoing rewards: 5% cash back on all REI purchases, 2% on mobile wallet purchases, and 1% on all other purchases. With a $0 annual fee, it's hard to beat all those upsides, especially for loyal REI shoppers.
Unfortunately, you cannot apply for the Hobby Lobby Credit Card, since it's not available to new applicants anymore.
If you're looking for similar store cards, you can check out the Walmart® Store Card. This card gives you 2 - 5 points per $1 spent at Walmart and comes with a $0 annual fee. Alternatively, you can take a look at the Target Credit Card which offers a 5% discount at Target and has a $0 annual fee.
Lastly, you can check out our editors' latest picks for the best store cards to find out which better suits your needs.