I took out a car loan with US Bank 5 years ago. All payments paid automatically out of my checking account. Came to October 2015, supposed to be my last payment, I waited for my title in the mail.instead, they sent me a letter saying I didn't make my last payment and charge me another 12 bucks for a late fee. Paid it online and told them the 12 box is going to get them a real bad review. I will never deal with US Bank again.