Date Received: 2021-05-28
Issue: Other service problem
Subissue:
Consumer Complaint: I feel like I was treated unfairly because of my XXXX. I am worried the banker is trying to take advantage of me or steal money from my account. The following actions occurred at XXXX on XX/XX/21 at the XXXX XXXX branch of US Bank in XXXX XXXX OH. 1. The banker wouldn't cash my check. He sent me to XXXX to cash my check, which cost me {$10.00}. 2. The banker gave me confusing instructions on how to wire money to an account in XXXX. 3. During our meeting, the banker called another person and suspiciously spoke in a foreign language. I feel he did so that I couldn't understand his conversation. 4. While talking, the banker accessed my phone from his computer without telling/letting me know. Later in the evening I got an electronic warning about activity on my account. 5. The banker made me feel stupid. He blamed me for trying to do things too quickly or not trying to cash my check earlier. 6. I called customer service around XXXX XXXX. I got different instructions on how to wire money. I was told I would get a response on Monday ( which is a holiday. ) I am worried about the safety of my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am a XXXX that gets paid once a month from the State of CA. I deposited my monthly check into my US Bank account. I used an ATM located inside a staters brothers. The check was deposited on XXXX. It cleared. They place a hold on my account on XXXX. I find out on XXXX when I am trying to withdrawal money that there was been a hard hold on my account requiring a physical visit to my home branch. I avoid the XXXX XXXX branch at all costs because their customer service is horrendous but I had to go into that one. According to the branch manager XXXX, there is a hard hold on my account and it is being force closed. He says the reason for this is because my State Check returned. I had my pay stub and assured them it could not have returned and if it did I would need proof to show HR. After a week and a half of going back and forth and being given a run around I email them requesting proof that the check was returned my HR will not reissue a new warrant without verification of it returning. Now the Branch Manager XXXX XXXX is saying that no items were returned. The check cleared but he can not remove the hard hold on my account. I have to wait until risk management closes the account. Thats okay. I have no issues with the account being closed but I get paid once a month. I login to the account daily and there is nothing indicating that the account is closing I simply dont have access to my funds. I reach out to the branch manager and request an update, I was told the account would force close within the next 2 days. On a different call he tells me that it will close toward the end of XXXX. On a separate call he says it can take up to 2 weeks. Its going past 3 weeks since the hold has been placed. I have reached out to their executive department to no avail my single response has been the generic we have our best looking into the matter. I contacted the branch manager via text message again and he did not respond. I called customer service as previously advised by XXXX to talk to risk management, on initial contact - they had said the home branch has the power to remove a hard hold and close the account. The branch manager says this is not true that he has no power to close the account and release my funds. On repeated request to speak to risk management - no one in customer service can transfer me now. On XX/XX/21 I called customer service and was informed the account is still pending closure despite it going on three weeks and pending an investigation. I was told by XXXX XXXX the home branch representative via telephone she would call her back office for an update. No call has been returned. No email has been returned. No update. No accurate information has been relayed. Conflicting information between the departments has been provided. I just want the account closed as soon as possible and my funds to be released. The check did not return. They could not furnish proof it returned. So why is it taking so long to close the account and release my funds. They have yet to give me an answer. It was initially going to close within 2 days. Then pushed back to 1-2 weeks, now its nearing the month since I made my deposit and they have not closed the account or returned me my money. They have declined to return my calls are communicate with me via email. Im going to take an educated guess that they are not longer responding to me or transferring my calls because of the conflicting information between : XXXX ( branch manager ), XXXX ( branch representative ), customer service and risk management.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 7. Identity Theft ELAN FIN SVC Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06473
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm having problems with the bank which is holding checks, and other money that belong to me and they are not returning it to me either. They told me that the account was overdrawn and I dont believe what they say. I haven't done anything but make some deposits. They have been holding my money from me for about a month now. This is the 4th time, that the bank has held any checks along with other money that was in my account or in that bank telling me that the funds needed to be verified or that the issuer of the checks has to re-issue to me a new one because the check wouldn't clear in the bank. I dont believe that this is the problem. With this check problem, they are holding not just the funds of the deposits but the money that is already in my account. They are holding everything in my account now, and there is a negative sign on my balance and I can't spend any of my money. How long can they legally hold a check that was cashed waiting for it to be verified or cleared? Can they take the money in my account and hold it from me? If this legal or not? This is the 4th time that that have just wiped me out. It is not my fault that a issuer of a check issued me a bad check. If I thought it was a bad check, I wouldn't have tried to cash it. I'm not the one responsible for what the check issuers do or don't do. The bank is not to take this out on me and take everything I got angry at the checker issuers They are supposed to contact these people themselves to straighten out the matter and not me. I don't believe that just because the bank does not have a FDIC, that this is the reason for their behavior. The bank not having a FDIC is just a bank not having a FDIC it means nothing to my situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my loan in XXXX and US Bank never released the lien. My car was totaled on XX/XX/XXXX. I was offered {$7800.00} from the insurance company however since USBank never released my lien they wont send me the check. I have called USbank 5 times over the last month trying to get a lien release letter to send my insurance company. The first call was in XX/XX/XXXX Every time I call they ensure that the letter will be sent. One time promising a fax that never came. It has now been 7 weeks since my accident. I still dont have money so I have been without a car for this entire time. I just called USbank today XX/XX/XXXX and they told me its a 26 day SLA for the letter request! My car has been paid off for 5 years. How can they continue to hold a lien on my car?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Is bank closed the first dispute for 396 I filed which was initially resolved. The company then went back and did not honor the terms of the settlement I filed a second dispute which they denied without any explanation nor honoring my several requests to speak to someone from the disputes department. At this point Ill be filing a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have this US Bank XXXX XXXXe card for years. There is a benefit of the card which is {$320.00} annual credit for travel/dining purchases. The definition of " annual '' is card anniversary. Since my card 's annual fee has been always charged on XX/XX/XXXX, which is also a statement date, this is what I believe to be my anniversary date. I used my card on XX/XX/XXXX on some travel purchase. But for some reason, US Bank posted this charge a few days later and wasted my previous card year 's benefit. This is very disappointing for me, especially in a difficult year like this. I would really appreciate it if US Bank could make this charge ( on XX/XX/XXXX ) to be using my previous year 's allowance, instead of wasting my benefit. Thanks a lot!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had the misfortune of working with XXXX and US Bank in XX/XX/2021 when I was looking to buy a family home in XXXX XXXX. The interactions started strong. XXXX provided competitive mortgage rates, issued a pre-approval for a mortgage amount far greater than I needed and was fairly quick to call me back ( always on his cell phone never on a recorded line ). This positive beginning gave me the false confidence to dismiss the other lenders and focus entirely on US Bank, a decision I would later strongly regret. The requests for documents started to come through very piecemeal ; a statement on one day, a screen shot two days later, another statement a couple of days after that. There didnt seem to be any set plan on the documentation needed to process my application. This made the whole ordeal extremely drawn out which posed a serious problem with meeting the escrow date targets. The mortgage requirements also changed considerably. 3 weeks into the discussions the amount of cash needed to purchase my house was increased arbitrarily by $ XXXX, a sum that thankfully I was just about able to raise. This increase was not for an additional downpayment the LTV of the mortgage was to remain the same it was simply an additional requirement with no further details given. XXXX repeated asked me whether my mom could lend me money or whether I had any siblings generous enough to gift me some cash. He had no idea of my person circumstances and I found these questions unprofessional and intrusive. He even went as far to suggest that I take out a person loan, have the money deposited in an account that did not have visibility on, transfer the money to my spouse so that they could deposit the cash in the escrow account to make it look like a gift. Although this all sounded very unprofessional and possibly illegal, I reluctantly agreed. At this point I was too far involved and it was too late in the process to change to a different lender. After doing this, as you would expect, my FICO score plummeted as I took out an unsecured loan. In the end, due to XXXX incompetence and mismanagement of the whole ordeal, I was forced to back out of the house purchase which was a severe setback to myself and my family. He inability to do his job lost me a house, a considerable amount of money in the form of fees and other charges, and also took up a huge amount of my time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: US Bank accusing me of owning {$560.00} which I told them specifically thats not my account the social security numbers on the account is different from mine ssn
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized hard inquiry made by US Bank on my credit today ( XX/XX/21 ). I did not in any way solicit, inquire or communicate with anyone related to this and only learned about it when I received an alert about a hard hit on my credit. I am on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A