We refinanced our home several years ago and the loan was sold to US Bank. It has been horrible ever since. We have never been late with a payment on our mortgage. US Bank deliberately makes paying the loan difficult. I can only occasionally access my account online - they have the worst website ever. Sometimes I can log in, other times I ca n't. It will say my password/ID is n't in the system. I 'm stuck having to write monthly checks to mail in stead of the paying online. I think they do this in the hopes of the customer being forced to make a late payment so they can tack on big fees. I called customer service about it and she gave me some insane excuse that I needed to use a different search engine??? That makes no sense at all. It does n't matter whether I get to their website via explorer, Chrome, etc. the result is the same. They also overcharge every single year for escrow account. 
