US Bank has by far the worst service I have ever encountered. They charged me an extra lease payment after I turned in my truck. I called to get a refund and they sent me a check. As I deposited it, they did a stop payment on it. After calling 5 times and talking to multiple departments, I found out the reason why. Basically, the dealership I took the truck back to bought it and either US Bank or the dealership messed up the paperwork. They applied my extra lease payment to the purchase price of the truck. US Bank said I needed to get the money from the dealership which I thought was absurd. After many more phone calls and getting the run around, I disputed the withdrawal with my bank. I finally get the money returned. Within two days I get a letter from US Bank saying I owe them the money and to call their dispute department if it is an error. I call them and the person who could make that call was on vacation so it may take a week to hear back. Well that was 13 days ago. My girlfriend is an attorney and has been following this pretty much the whole time. I don't really want to get her involved to sue them which might not get me anywhere either. Does it pay to file a complaint against US Bank? Should I wait for it to go to collections and dispute it there? I have excellent credit and take pride in that fact. I'm not super comfortable taking a hit on my credit for all of this garbage.