I am so disgusted by US Bank 's Customer Service. My experience with the employees is good, though their willingness to resolve issues is awful. The one and only time I missed a payment was because I went from paper statements to paperless. As a result, they dropped my credit limit from $10,000 to $1000. This put me over my balance and they charged me a fee for it. They removed the charge, but did not put my credit limit back. I have been waiting for a credit increase for the past 3 years, and they have not done anything.
I recently called to cancel the card and asked for a prorated portion of my annual fee back. They refused and although they admitted that they could refund it if they wanted to, they cannot just adjust the account of everyone who calls and makes a request. I paid for 12 months of "administrative services" of which I only received 3.
I would never recommend choosing US Bank for any money managing services.
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