Date Received: 2022-09-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/22 I called US Bank about closing the escrow account on my mortgage. Loan is more than 9 years old and loan to home value is less than 25 %. Representative said I can close the escrow account but required that I pay a fee of about {$660.00} to do so. It doesn't sound right that the customer needs to pay a fee to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02467
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: this is a follow up to a previous complaint ( CFPB ref # XXXX ) sent on XX/XX/XXXX against US bank for failure to replace the 2 x {$500.00} compromised visa prepaid cards purchased from XXXX on XX/XX/XXXX. US bank responded saying they tried to contact me but couldnt reach me to request the information pertaining to the purchase and the gift card details. This case was then closed although they have not done anything to refund to replace the card to date.. I sent the requested information to US Bank on XX/XX/XXXX and have been following up several times for the replacement cards but they have no updates to provide other than a case has been opened. Its been already 1 month and still there is zero information on when my cards will be replaced. i really hope CFPB can help get my money back or the cards replaced. thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX claims to be sueing me for US bank for a old account that I already settled a long time ago. They claimed to be sending a certified letter. I had them email me one and called US bank with the account number they attached and they said I have no old accounts with them anywhere. The number they called from is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Purchased XXXX XXXX gift card from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$100.00} paid XXXX. Opened the gift card tried to activate for use and was denied. Once the card is opened, XXXX can not take it back. Called the company XXXX XXXX XXXX XXXX ( on packaging of card ) XXXX they told me that since the last XXXX numbers on the card did not match they can not assist me. I've been calling repeatedly and was told to send a fax with a copy of the receipt, front and back of card, and government ID. I resent the fax 3 times, called 1 week after sending each fax XX/XX/2022, XX/XX/2022, XX/XX/2022, only to be told that the to send another fax. I can't imagine how many people this happens to and they don't fight for their money back. I want my {$100.00} back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: My reliacard for unemployment with a balance of XXXX that I don't have anymore and need a replacement card but haven't been able to get cause of some block or something they said. I've made id verification attempts with no luck hearing back. This is my second attempt through this company. US Bank hasn't responded to me after uploading documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97322
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
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: On XX/XX/XXXX, I was charged {$100.00} from XXXX XXXX in XXXX, FL. I called XXXX and left messages three times - and to this day have not received any response. After waiting a week for a response, disputed the charge with Elan Financial Services. While I had eaten in the restaurants during my stay, I did not make this charge ( referenced at Eating Places, Restaurants on my billing statement ). Elan Financial Services investigated the claim and told me the chip was used and therefore closed my claim. I have all my receipts and each charge is accounted for therefore I requested a copy of the receipt or other proof in XXXX after being informed that the claim was closed. I decided to reopen the claim in XXXX and reminded the claim representative on XX/XX/22 that I am still waiting on this proof and to see the credit applied to my account. Elan is not being helpful or responsive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my credit report and found unauthorized inquiries. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose and any consumer reporting agency may furnish a consumer report under those circumstances and no other. As such, under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : ELAN FINANCI Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49509
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Please note copies of emails comments available and in mail to you US BANK TOOK ACTION AND CLOSED ACCOUNT BECAUSE THEY DAID I MADE FRAUDULANT DEPOSIT FROM A LINKED ACCOUNT PAYABLE TO ME FROM MY OPEN XXXX ACCOUNT CHECKS RETIRNED UNPAID A MISTAKE FOR XXXX I HAD NO MOBILE DEVICE TO TRANSFER FUNDS ONCE FOUND MISTAKE I IMEDIATLY CONTACTED AND TRIED TO DEPOSIT CASH TO TAKE CARE OF OVER DRAWN ACCOUNTS ENDING IN XXXX & XXXX A MANAGED SENIOR ACCOUNT US BANK REFUSED SUCH STATING ITS IN CLOSED STATUS AND ALL DIRECT DEPOSITS AS WELL BRANCH DEPOSITS A XXXX US Bank took retirement Social Security income mine as well as my mother 's a XXXX XXXX XXXX XXXX senior accepted direct deposits not to mention my retirement deposit satisfied overdraft held the re remainer of available money over {$3000.00} dollars as of now 1 month laspe still not received please refer to comments and interoffice correspondences XXXX personal not from associate XXXX XXXX and XXXXXXXX XXXX after review you will ser astonishing remarks about there position and there lack of power to correct not to mention the higher s lies to the response PLEASE EXSCUSE TYPO ERRORS AS IAM XXXX AND DO TO LACK OF FUNDS AND UNABLE TO UPGRADE IAM WORKING OFF A 4 INCH SCREEN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89106
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ), I opened checking account via their website on XXXX, and start using this new personal checking account as my salary direct deposit account. By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. I contact USBank customer service twice in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84405
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: US Bank has been deploying unethical practices in the way it interacts with consumers. In my case, I serve on the board of a non-profit that has a banking relationship with US Bank. We were told our account wouldn't have any fees, but it did so we requested to close our account. We followed their instructions and submitted the written request to close our accounts back in XXXX of XXXX. I've called in more than 8 times over the last 3 months to get updates because they never respond via the email they instructed we send the notification to. During this time they've continued to charge fees. I call in again and they ask me to send the same form, which I comply and send again ( I've sent the form 3 or 4 times now ). After 3 months I finally get a response to my email saying they can't close my account because I've requested the fees be refunded and I need to call on that. Interestingly enough, I had already called on that, but they didn't say I had to call a separate department to make that request as well. They're continuing to use delay tactics and charge fees. As of today the account is still not closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98683
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A