Date Received: 2024-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I SPOKE TO SEVERAL DEPARTMENTS TODAY INCE AGAIN GIVEN MISINFORMATION, IM TRYING REALLY GARD TO MAINTAIN MY COMPOSURE WITH US BANK REPS I SPIKE TO THE FRUAD DEPT, THE CLAIMS DEPT, RESTRICTIONS DEPT. I WAS TOLD 3 WEEKS AGO US BANK RECEIVED DOCUMENTS FOR IDENTIFYING MYSELF AS A VICTOM OF IDENTY THEFT & FRAUD I WAS TOLD IT WAS APPROVED THE DEROGATORY SUBMISSIONS HAVE BEEN REMOVED & MY ACCOUNTS HAVE BEEN APPROVED &. BY THE XX/XX/XXXX I COULD REESTABLISH MY RELATIONSHIP WITH US BANK. SINCE THEN I RECEIVED NEW CORRESPONDENCE STATING THAT TWO ITEMS HAVE WERE NOT INVESTIGATED STATIBG I WITHDREW MY COMPLAINT? BOTH ITEMS ARE WITH XXXX XXXX, I CALLED US BANK I WAS TOLD THEY WOULD REOPEN THE CASES & FOLLOW UP AS THESE TWO TRANSACTIONS ARE FRUAD, MY ACCOUNT INFORMATION WAS ADDED & SAVED XXXXTO THIS COMPANIES PAY SYSTEM BY A TENANT AT THIS COMPLEX & WAS USED TO PAY RENT. I CALLED THIS COMPANY EXPLAINING THE SITUATION & WAS TOLD TO REPORT TO MY BANK AS THEY COULD DO NOTHING SINCE I WAS NOT A TENANT NOR HAD ACCESS TO THE ACCOUNT TO MAKE CHANGES? US BANK TOLD ME TODAY WITHOUT DOCUMENTATION THAT THEY WERE NOT REINVESTIGATING THESE CHARGES BECAUSE I HAVE HAD A HISTORY WITH THIS COMPANY?? FALSE STATEMENT! I ASKED US BANK BACK IN XX/XX/XXXX TO FILE A DISPUTE & THEY RESPONDED A WEEK AGO INFORMING ME THST I WITHDREW THE DISPUTE SO THEY NEVER INVESTIGATED THE CLAIM? I WAS TOLD YESTERDAY XX/XX/XXXX THEY WOULD OPEN A CLAIM & I WOULD BE INFORMED, TODAY I CALLED TO FOLLOW UP TO ENSURE THE CLAIM WAS FILED ONLY BECAUSE THE REP WHO HELPED ME YESTERDAY SAID SHE COULD NOT OPEN THE CLAIM THAT SHE WAS EMAILING THE CORRECT DEPARTMENT TO OPEN THE CLAIM BECAUSE SHE TRED CONNECTING US TO THE DEPARTMENT THEY WERE NOT RESPONDING. THE WOMAN WHO DID NOT WANT TO GIVE NE HER NAME IN THE FRAUD & DISPUTES DEPARTMENT INFORMED ME THAT THEY WOULD NOT BE INVESTIGATING MY CLAIMS BECAUSE A FINAL DECISION WAS MADE THAT IT WAS DENIED BECAUSE OF I HAD HISTORY WITH THE MERCHANT??? ALL LIES I HAVE THE LETTERS FROM US BANK ATTACHED STATING THEY WERE NOT INVESTIGATING BECAUSE THEY ASSUMED I WITHDREW MY COMPLAINT? THIS WOULD BE THE FIRST INVESTIGATION TO THESE TWO TRANSACTIONS!! THESE TWO TRANSACTIONS HAVE BEEN MADE FRAUDULENT & WAS REPORTED, I ALSO HAVE NO AFFILIATION WITH THIS MERCHANT I HAVE NO LEGAL COMMITMENTS OR OBLIGATIONS WITH THIS MERCHANT XXXX RECEIVED SERVICES! US BANK HAS BEEN HELPFUL UP IN TIL NOW!! THE WOMAN WAS RUDE UNPROFESSIONAL & ALL RECORDED. THESE TWO TRANSACTIONS ARE IMPORTANT & VITAL TO THE RESOLUTION OF MY ACCOUNT CLOSER!! MY ACCOUNT WAS ON HOLD YS BANK OPEBED A TOTAL OF THREE ACCOUNTS WHILE INVESTIGATING ALL THE CLAIMS & ISSUED 8 TEMPORARY CARDS & ALL HAVING ACCESS TO MY ACCOUNTS? US BANK PROTOCOL STATES ONE DEBIT CARD PER ACCOUNT!!! YET THEY ISSUED TEMPS & PERMANENT DEBIT CARDS WITH ACCESS TO ALL MY ACCOUNTS THE TEMPS WITH NO NAME NO CHIP??? IT WAS VERY UNSECURE! I WANT THESE TWO CLAIMS FOR XXXX XXXX BOTH ROUGHLY {$1900.00} around XX/XX/XXXX DOCUMENTS ATTACHED LISTED AS FRUAD MY ACCOUNT CREDITED IMMEDIATELY & MY ACCOUNTS RE-ESTABLISHED. I WAS NOT KEPT UP TO SPEED ON ANY OF THIS UNTIL NOW? YEAR & HALF LATER?? I WOULD LIKE TO ADD THAT ATTACHED IS A CLAIM FOR {$310.00} lending club XX/XX/XXXX is a duplicate charge, please have us bank send statements from XX/XX/XXXX thru XX/XX/XXXX all accounts. THE INFORMATION IS ON THE STATEMENT THE SECOND PAYMENT WAS PAYED FOR AN AMOUNT {$25.00} higher around {$330.00} because of a fee Assessment. I will send the true information when I Review the statements from us bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Subject : Formal Complaint regarding frozen account and bounced rent checks I am writing to file a formal complaint against US Bank regarding the unjustified freezing of my account ands the subsequent bouncing of my rent checks. On XX/XX/XXXX, I deposited a third party check into my account through the atm in the amount of XXXX. The check was verified as valid and successfully cleared without any issues. However, to my surprise and dismay, on XX/XX/XXXX I received notification that my account had been frozen by US Bank, preventing me from accessing my funds. as a result of this sudden action by the bank, several of my checks were bounced including my rent check for {$2300.00}, leading to significant financial hardship and inconvenience for me. Despite numerous attempts to resolve this matter with the bank 's fraud department over the phone, I have consistently directed to visit a branch location in person to address the freeze on my account. This requirement has caused further delays and frustrations as I continue to face difficulties in obtaining access to my own funds. The lack of transparency and communication from US Bank regarding the reasons for freezing my account and their failure to promptly resolve this issue have caused undue distress and financial repercussions for me. as a consumer who has faithfully maintained an account with your institution, I am deeply troubled by the handling of this situation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against US Bank for their negligent actions that have resulted in financial harm to me. I seek prompt resolution and restitution for the bounced rent check as well as compensation for any additional costs incurred due to this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: on XX/XX/2024 at XXXX I logged into my US Bank Credit Card account to make my payment. I used my XXXX XXXX XXXXXXXX savings account for the transaction. Lately this establishe link to my XXXX account has been failing. So later os same date XXXX at XXXX hrs I logged in again and I confirmed my payment failed. So at this time I did a transfer from my US Bank saving account to my Credit Card account for the sumn oif {$200.00}. I hit the submit button and noticed no confirmation email was sent to me yet my savings account was decremented. While checking viewing my Savings account and Credit CXard account I noted a {$40.00} Late fee was applied on same date I made the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Synopsis : XX/XX/XXXX - Opened new checking account with US Bank online. US Bank confirmed ( See attachment " A '' ). XX/XX/XXXX - Funded new account with a {$50.00} ACH transfer from my " old '' account. US Bank confirmed ( See attachment " B '' ) XX/XX/XXXX - As XXXX weeks had passed and I had received NO debit card, NO checks, and NOTHING via US Mail ( e.g. Welcome packet, online billpay info, NOTHING ), I phoned their ( lack of ) customer service department to inquire ( See attachment " C '' ). I was told a debit card would be " sent right out and I should receive in 5-7 business days. '' XX/XX/XXXX - As three more weeks had passed since my previous call ( well beyond the 5-7 business days ), I again phoned their ( lack of ) customer service department ( See attachment " D '' ). Again, I was told one would be " sent right out. '' XX/XX/XXXX - As 2-1/2 more weeks had passed and I had still received ABSOLUTELY NOTHING from US Bank. As a result, fed-up and now not trusting them/their systems, I sent a letter to their Corporate Offices requesting the account be closed ( See attachment " E '' ). XX/XX/XXXX - I did finally, 3 weeks after sending the letter, receive a call from " XXXX '' from the President 's Office ( See attachment " F '' ). After a few minute discussion with her, which included her telling me she could only find where I had previously called once, not twice ... I disputed that with her ( and the T-mobile call detail shows this also - attachments " C '' & " D '' ). She also stated she could close the account and issue a Cashier 's Check. I asked if she could just electronically ACH it back to the account they took it from ... understand, the SAME account they had initially pulled the opening deposit from ... Of course they couldn't... had to send a Cashier 's Check... Fine, whatever ... the most assnine policy I've heard of ... I could understand IF I were wanting it sent to a different account, but that was not the case... I was only requesting it be returned to the SAME account they debited it from over 3 months earlier as the account was still open... Nope... that was " their policy, '' albeit a 100 % baseless, ridiculous, assinine policy that they can NOT refund to the SAME account they pulled from. XX/XX/XXXX - I did check online, attempted to log-in to US Bank to see if she had actually closed the account... it was closed, I was unable to log-in, so I assumed, which should NEVER do, especially when dealing with banks, but I assumed it was " in the mail. '' XX/XX/XXXX - As XXXX weeks had passed since my convo with XXXX and I had received nothing, I again called ( See attachment " G '' ). I left a voicemail requesting a call back... XX/XX/XXXX - As 2 more weeks had passed and I wasn't even afforded the courtesy of a callback from my XX/XX/XXXX message I left, I again called XXXX ( See attachment " H '' ), and of course got voicemail ( they're scared to death to talk to customers I guess ) ... I left another message. XX/XX/XXXX - I DID receive a call back from " XXXX. '' She did state after receiving my message the prior day, and before calling me today, she check and verified " the Cashier 's Check was never cashed. '' Therefore, she was going to send me paperwork to sign, something about to stop payment on the check and issue another, which as of today 's mail, 4 days later, it's still not here ... WHAT... ALL of this over {$15.00} ... Yes, the remaining balance in the account was only {$15.00} ( thank God I hadn't switched any of my direct deposits yet- couldn't use the funds with no debit card or checks ), but that's not the point, not the issue here... the point/issue is, whether it's {$15.00} or {$1500.00} or {$15000.00}, a bank should promptly refund money... I am absolutely amazed that a bank can pull such stunts ... why can't they refund money as quick as they can yank it from one 's account??? Also, WHY can't they just ACH it back to the origin account it came from? When one uses a debit/credit card in a store, if you then return an item, it most ALWAYS goes back to the original form of payment ( for fraud prevention ) ... You would think a bank would implement the same fraud prevention policy rather than the time, trouble, paper, & cost wasted to issue a paper check. But then you would also think a bank would have their act together much better than the above details, especially when they are handling people 's finances... NOT US Bank ... a Pathetic operation!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I have been banking with USBank for over 20 years and have had a Heloc for the past 7 years. I tried to access my account on XXXX XXXX to find out that I couldnt access the funds. XXXX XXXX Called USbank to find out why I did not have any funds available. Was directed to local branch to get assistance. Local branch called and IM corporate. I was told that I need to contact the Title company for a subordination letter to reinstate the account. I sent the documentation from the refinance that occurred in XXXX to the subordination department as directed. XXXX XXXXCalled to ensure receipt of documents. Was told that the verbiage was incorrect and to resend with the correct verbiage. Obtained the original documents from refinance with the subordination of the Heloc and sent over via email. XXXX XXXX Called to ensure receipt. Received and it would take 3 business days to reinstate. XXXX XXXX No funds available. Called to find out that the subordination department doesnt deal with reinstating Helocs!! That I needed to talk with the loan department. Was transferred to the loan department that told me that I needed a reinstatement letter from the Title company. I explained that all the documents were sent previously, I need access to the funds and I have been working on this for over a week. Was told that the matter would be escalated to a Supervisor and that I would hear back in 24 hours. XXXX XXXXNo reply or communication from USbank. Called and spoke with the loan department again and was told that I now needed a reinstatement document from USbank to be signed by myself in order for the account to be reinstated. The document would be sent via USPS on XX/XX/XXXX as it needed to be prepared by the loan department. I asked if it could please be expedited and was told that it would be sent with priority. XXXX XXXX Nothing received. Called and spoke with a Supervisor who assured me that it did go out, that there was nothing she could do and that I just need to be patient! They did have all the documents necessary and that I would have access as soon as I get the signed letter back. XXXX XXXX Nothing received. Spoke with the loan department and was directed to a Supervisor who authorized the reinstatement letter to be sent via email so the matter could be expedited. I received it in less than 30 minutes!! Progress right? Nope! I sent over signed documents on XX/XX/XXXX and was then told that I needed a letter from Title to reinstate the account!! I spoke with a Supervisor who told me that is what was needed and that there was nothing that he could do. XXXX I reached out to my USbank mortgage banker who did the refinanced and that I have been working with for the past 30 years to see if she could help me. XXXX My banker reached out and found that the letter did not have the correct verbiage from the original closing documents and was working with the Title company to get the correct documents. XXXX My banker was told that the issue has been escalated and that it would take 3 business days to reinstate. XXXX No funds available. She contacted the person who she works with to ensure all documentation and verbiage is correct. Was ensured that all documents were correct and filed and that she would be contacted no later than XXXX. XXXXNo communication between the banker and USbank. She reached out to the loan department again and found that there was no movement on account. Asked to speak to the Supervisor once again. Left numerous messages and emails. No response. XXXX No communication from USBank . No funds available. XXXX No communication from USbank. No funds available. XXXX No communication from USBank . No funds available. XXXXNo communication from USBank.No funds available. XXXXResearched on how to file a complaint. It has been over a month and half and I still do not have access to funds that I have qualified for, made timely payments at a banking institution that I have held multiple accounts for over 209 years. It is absolutely absurd that even an employee can not get anything moved on my behalf. USBank can not be relied on for any assistance once so ever. I have been given the complete run around for over a month and half to only get frustrated, stressed and overwhelmed by the process and I still do not have access to funds in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We are now in US Bank THIRD attempt for them to correct mistakes they made on our deferral plan. I had filed a complaint with you in XXXX of XXXX ( XXXX ) for this companys unfair business practices, but they denied any wrong doing. Now, after all this they are reporting XXXX XXXX payment as late to the Credit Agencies, which they claimed would not happen during the loan modification process. Mine and my Husbands Credit Scores were affected by XXXX points. Since all of this is US Banks mishandling of my account, I demand that this be removed from the credit agencies reports immediately!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I Opened a claim on XX/XX/XXXX under the claim number XXXX XXXX credit was given but after 4 weeks that credit was reversed. I sent a letter explaining the situation and also the invoices to the bank on XX/XX/XXXX by fax to the number XXXX XXXX XXXX. I called today XX/XX/XXXX to know the reason for denial and they have a wrong address on file, I checked with my online banking and there shows a correct address. They sent documentation to the wrong address and because they didnt receive a response for those document they denied the case. Attached goes a screen shot of my address on my online banking which is the correct one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized credit inquiries on my reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have 3 checking accounts with US Bank, of XXXX. 2 are for my college enrolled daughters. They are charging me {$6.00} a month if I don't have {$1500.00} in direct deposits each month. I was not aware of this until I caught it in my statement. When I complained, they said they would wave the fee, if I got a credit card with them. So only if I get another product from them, will they correct the first product. I have been a customer since 2017. How many times have they charged me this fee without me knowing? And then charged me {$36.00} overdraft fees when my account is negative, because they took {$6.00} out without me knowing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Prepaidgiftbalances XXXX payment for work done suppose to have {$100.00}. They say card is active but no balance. Card has never been used. Seems like a scam taking money and not paying out! Absolutely no help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A