Date Received: 2023-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: About three months ago, I noticed that I was being charged double interest rates for purchases and advances! I went to the bank and met with a service clerk and he could not explain, so he called the bank main office and we were put on a conference call. The bank main office tried to explain it to me, however, it did not make sense. Hoping the problem would go away it continues the exist. This is an example of how the charges appear on each monthly statement! XX/XX/18 INTEREST CHARGE ON PURCHASES {$180.00} XX/XX/18 INTEREST CHARGE ON CASH ADVANCES {$110.00} Although I try to make my monthly payment every month, I will never be able to pay off this debt because it appears that the payment is going to interest only!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: U.S. Bank Online Case # XXXX For almost a year now, I have had no access to logging into my " corporate '' account number. When I login to my account it shows that I don't have any charges, but then I get a bill that says I owe money and a late fee to an account where I can't login. Now I have a {$40.00} late fee for an account where I can't login. Every time I've tried to login to this account it says, " We're having trouble verifying your account. Double-check your account information and try again. '' Literally for an entire year. I've emailed XXXX XXXX Internet Support Specialist l Customer Care Operations at U.S. Bank 14 times! Nothing has been resolved in 10 months. I had 29 emails with XXXX XXXX. Digital Communications Specialist and nothing was resolved. This is the 2nd time I've had to contact the CFPB about this card and U.S. Bank. They resolved the previous issue ( XXXX ) but blamed me for the issue and made it sound like it was my fault. Two of your employees, plus a total of 43 COMBINED EMAILS and 10 months couldn't figure out what's wrong. I would appreciate : # 1 Forgiving the {$40.00} as I had to call in and pay my $ XXXX balance over the phone # 2 Fixing the issue, which is being able to login to the " corporate '' account ; this has never been resolved. When it's convenient, please contact me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The relevant time period is XXXX, XXXX, XXXXThe total amount involved is {$290.00}, all of which consists of Earned Loyalty Cash Visa Rewards, which were systematically removed from my Visa account on the basis that these earned rewards were subject to arbitrary expiration despite the extraordinary, unprecedented circumstances of Covid pandemic. We requested immediate action by U.S. Bank Cardmember Service to restore our loyalty rewards. During the period in question, travel was highly restricted by governments, that is, XXXX and XXXX. These circumstances, which were truly extenuating, were particularly problematic for my wife and myself as we spend much of our time in XXXX and we were especially vulnerable to XXXX owing to our XXXX XXXX, well into our XXXX. Under these circumstances, it was only natural and reasonable for us to be distracted by the lethal unfolding events of the unprecedented pandemic rather than focusing on arbitrary expiration dates of our earned loyalty rewards. To date Cardmember Service of U. S. Bank has rejected our request for reinstatement of our earned cash rewards on the basis that " ... this is not an option for this account ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have called since XX/XX/XXXX on this matter, and I have tried to get in contact with XXXX and XXXX since then and have had no luck getting with the correct person to finish my claim. I have been told multiple times that this dispute has been processed and the money was supposed to be taken off of my current balance since I had to pay for it last month. This was promised to be taken care of and the money was supposed to be credited before the XXXX. I have gotten nothing but a run around and everyone just pushes the responsibility to someone else. Every time I call in the next rep says there are no notes and no call back requests. I have called at least 15-16 times now to get this settled and I am always told that the person I need to talk to is not working or that they will call me back. I am now going to be facing penalties on my credit since this balance has not been removed yet. This is causing me so much more trouble than necessary and I am very disappointed in US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring to your attention a matter that requires urgent resolution. My aim in reaching out is to ensure compliance with the Federal Credit Reporting Act, specifically 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I have initiated contact with U.S. Bank regarding the negative late payment that has been reported on my consumer credit report. This interaction is in line with the provisions set forth in 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I've engaged with U.S. Bank on two separate occasions, with tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, in an effort to address this discrepancy. Furthermore, I have diligently notified XXXX, XXXX, and XXXX about the inaccuracies in reporting. Multiple notices have been sent to each of these parties in an attempt to rectify the situation and ensure the integrity of my credit report. Subsequently, I had the opportunity to speak with a representative from XXXX 's fraud department, conveying the urgency and importance of this matter. During the course of our conversation, I spoke with a manager named XXXX and reiterated the issue at hand. However, this conversation took an unexpected turn when XXXX abruptly ended our call, causing unnecessary delays and inconveniences. I am submitting this report in good faith, with the primary intention of ensuring that all Creditors and Furnishers of Information adhere to the stipulations of the Federal Credit Reporting Act. Accuracy and compliance are essential to maintaining the credibility and reliability of consumer credit reports. I kindly request your assistance in expediting the resolution of this matter. I believe that by working collaboratively, we can ensure that accurate and lawful information is being reported. Should you require any additional information from my end, please do not hesitate to reach out to me. Thank you for your prompt attention to this issue. I look forward to a swift resolution that aligns with the provisions of the Federal Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I asked CFPB ( complaint # XXXX to investigate the reason and to require remedy to their making my account, which was a Union Bank account , accessible. You say that USBank has responded. You give no evidence of response. Since merging Union Bank into USBank I, and probably many expats, have no access to their accounts. CFPB has only copied my last two complaints rather than take any action. It is derelict by definition of it's charter and purpose. I need access to my bank account. I live in XXXX. I need something with authority to represent my circumstances and provide remedy!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello USBank, When I applied for the US Bank XXXX card a year ago, the promotional and features as part of the card was to get {$30.00} dollars back when completing 11 months of a merchant entertainment category purchase. I have used XXXX to complete 12 consecutive monthly payments, and when called and asked where the credit is, the supervisor refused to file a claim and told me to wait. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am XXXX years old XXXX XXXX and my wife is XXXX years and a XXXX XXXX. She had a major XXXX in XX/XX/XXXXXXXX and, except for medical visits, had largely been confined to home. Her doctor has informed her it typically takes a minimum of 2 years to recover from a XXXX like hers. Our children, a son and a daughter, felt it would be a great idea for her to get out in the open fresh air by seaside, and after doing some research and with friends ' recommendation, picked on XXXX XXXX, XXXX XXXX, XXXX. We booked three rooms, one for ourselves, a second for our son and family and a third for our daughter and her family. The rooms were reserved through XXXX. They were " All Inclusive ' and included all meals, drinks and entertainment. Each one of us paid for our own respective rooms. We used a XXXX credit card to pay for our room. At the resort we presented our US Bank credit card when we checked in, for them to place a hold on it in the event of additional charges not included. Details of disputed additional charge : {$380.00} on XX/XX/XXXXXXXX XXXX XXXX Details of dispute : This charge was not incurred by us nor charged to our room by XXXX XXXX and they are not aware of such a charge. Please see attached documents for details of our correspondence with the resort and US Bank. US Bank reported nonpayment of this charge to XXXX and my FICO score dropped by XXXX points. Around the same time, XXXX XXXX XXXX, I had applied to XXXX for a credit card that they declined for this very reason. Meanwhile XXXX XXXX Bank keeps charging me monthly Late Payment Fees and also charged me interest for the same. They have reported me several times to XXXX and my FICO has dropped some more. I disputed this with XXXX without success. I don't know what transpired between them and US Bank. They have ruined totally my financial reputation that I carefully built and nurtured over many years of professional working life, and it is now in tatters. I have received several reminders by message from U S Bank. I wrote to them a letter on XX/XX/XXXXXXXX requesting some information related to the disputed charge. They have avoided answering but on XX/XX/XXXXXXXX they responded without referring to my referenced letter and did not provide any information or answered any of my questions. Instead it included some earlier forms that I had already responded to. We are not lawyers but feel we have been, and still are, subjected to harassment, intimidation, coercion and extortion. We are receiving by US Mail, statements demanding payment of all these charges that are based on a fraudulent charge, a work of fiction and an outright lie. We expect U S Bank to prove to us with solid irrefutable evidence that this charge was incurred by us or charged by the resort to our room for some valid reason that was unknown to us. The only additional charge of {$14.00} to our room was for a tube of Neosporin anti-biotic that we bought at the Gift Shop. This was paid separately by our daughter with her XXXX XXXX card when she checked us out. In the absence of such a proof or documentary evidence it is clear to us that a fraud has been committed and communicated to us both via U S Mail and electronically by internet and phone app in violation of U S Mail Fraud law 18 U S Code 1341 and 1343. We expect U S Bank to provide information requested in letter dated XX/XX/XXXX, remove all related invalid charges from our account including late payment fees and interest, restore my credit rating to what it was before they reported nonpayment, and make us whole for all the hardship, harassment and anguish we have suffered by paying us damages, both exemplary and punitive, and other as applicable under the law. Our trip was meant to alleviate my wife 's pain and suffering but has been turned into a nightmare by someone's greed that saw an opportunity to make some extra money {$380.00} plus additional charges. Details of phone contacts with U S Bank : 1. I called U S Bank credit card customer service on XX/XX/XXXXXXXX and spoke with their fraud department. I was told somebody would call me back. I received a call from them on XX/XX/XXXX. Their representative was very rude and loud and shouted at me by saying I was yelling her. I told her I have not said anything and it is you who is yelling at me. She yelled some more and finally said " I am done with you '' and cut off the phone. XXXX. On XX/XX/XXXXXXXX U S Bank credit card called me on my landline @ XXXX XXXX and cell phone @ XXXX XXXX from ( XXXX ) XXXX. On answering the second call, nobody answered. On checking further, I determined it was a caller identification number only and there was nobody to respond. XXXX. I have been receiving " stalking '' calls on my cell phone from XXXX that on checking further I found out it to be a scam call from US Bank. This number called me twice a day, sometimes three times, and also on XXXX. We were afraid that if we answered these calls we would be stuck with hefty charges and/or threatened with further actions. Details below : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX : XXXX XXXX and XXXX XXXX On XX/XX/XXXXXXXX I received bank scam calls from XXXX @ XXXX XXXX and XXXX XXXX on my cell phone that I have determined that answering these calls or calling back at this number could cost me thosuands of dollars. Please note I have additional documents if required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I deposited {$50000.00} in a saving account on XX/XX/XXXX. It took XXXX business days before I could access this money. Then I find out they put extremely low transaction limitations on my account. Mobile Deposits : Daily {$750.00} and Weekly {$1500.00} Sending Money : Daily {$1000.00} and 30 day {$3000.00} These low limits don't work for me so I decided to cancel the account. When I cancelled the account, an interest deposit for {$100.00} was placed in my account and them immediately removed. I also received a paper statement showing interest earned this period of {$100.00}. I've contact US Bank on XX/XX/XXXX regarding the interest and they were unable to explain why it doesn't show. I called US Bank on XX/XX/XXXX same result and was told this would be escalated to their Customer Car Unit. I was suppose to receive a communication within 24 hours. Two days later on XX/XX/XXXX I contact US Bank again. Same result, unable to help and suggested I see if anything happens. Communicated that isn't acceptable and said I would be contacting banking regulators to file a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a a Union Bank XXXX credit card that was 0 % interest rate for 18 billing cycles. My first billing cycle was XX/XX/2022. Union bank then got acquired by US Bank. I received the card and this billing cycle, I received my statement that I was charged interest. It has only been 13 billing cycles. I called US Bank and the representative told me that interest rates are variable and they are allowed to change terms whenever they want. They also told me I had no recourse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A