I agree that the vulgar language in some of the prior commentaries make some complaints seem a little "over the edge" and harder to take seriously. However, coming from a person who IS able to manage finances, I personally have not have a good experience with US Bank, either. I did not choose to be a customer of US Bank; however, began dealing with them when they became the servicer for the lease on my vehicle. I can not comment on the Bank's normal banking practices, but I do feel they have extrememly poor customer service. The times I have had to contact a representative for something over the past few years, only twice have I gotten a representative who was kind and helpful. Most often, the representatives are extrememly rude. No one wants to sit on the line for 10 mins, waiting to speak to a live person, and then be spoken to in a short manner. In 36 months, I have had one payment that was late. This was due to a banking error with my own bank. I proactively called US Bank, explained the situation, and asked that a note be made on my account that the payment had be sent via postal mail from my bank and that it was on it's way. The representative stated she made the note, was extremely helpful, and I hung up the phone satisfied. Only the next morning, I receive a call from the collections department (my payment was not yet late at this time)and was spoken to in a very rude manner by the gentleman who called. I am sure it is a difficult job and the collection representatives get to deal with some very "colorful" people on a day to day basis. However, not ALL people need harassed. Call and harass me if I am late every month, call and harass me if skip payments, but do not call and speak to me rudely when I have been making payment consistently and am not EVEN LATE YET! US Bank just simply needs to monitor some of their representatives a little better and watch how they speak to people. I am sure they want to make money--who doesn't?--just do it in a non-agressive way until it is actually called for.