Pretty much the same horror story everyone else has had in this forum. I traded my lease in. They charged me over $800 for trading it in. They are rude, dishonest liars. The worst leasing company I have ever dealt with. I have leased at leased at least 10 vehicles, and this by far is the worst experience i encountered. Do yourself a favor and if your dealer says they are going to use US Bank to write your lease, RUN! They have a personal buyout price, a dealer trade in price, and they are thousands of dollars difference in their price quoting, making it near impossible to trade your vehicle at what you truly owe They will not allow you to have any equity in the vehicle at all. I actually lost over $1000 with all their fees and nit picky BS. I will never do business with US Bank in the form of leasing, banking or credit card. Worst ever!