Date Received: 2023-11-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for US Bank checking account with {$400.00} bonus in XXXX I took a screenshot as the proof that I put the promo code when I opened the account, I finished the required direct deposit as the requirement for the sign up bonus. And I contacted them in XXXX to see why I haven't received the sign up bonus they said they will create a case but I never hear from them after receiving my bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In the begginning of XXXX claim i did not recieve {$18000.00}, due to change of address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX. At the time i was in a real bad relationship that almost took my life, so that is why i made a sudden move. So the U.S. Bank Reliacard was sent to this address but i never recieved anything unfortunately. I called XXXX and notified of my move and they updated it in the system to my new address at the time which was XXXX XXXX XXXX XXXX XXXX, tx XXXX. I was there very briefly because my ex found out where i was at and quickly made problems for me and i was afraid for my life. Again at that point i called to notify XXXX and U.S. Bank Reliacard about what was happening and i was told they would note the account of what was occurring and i moved again for the final time, thank god to a very safe environment where i finally got some sanity.The address was updated to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX and i still live there today and safe. So now U.S. bank has closed the account and still has the funds and only tells me to contact XXXX, same story different day and going in circles all this time and no progress has been made as far as im concerned. Im hoping this is resolved soon, because its been a headache and heartache knowing that on the end of XXXX it shows they paid out the funds to me but never did because reliacard never issued another card or sent another card to me of the remaining balance of {$18000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/, I deposited two IRS tax refund checks totalling {$8100.00} in my US Bank checking account. I was told by teller who took my deposit that US Bank was putting a 7-10 hold on the checks to verify them. I found out after I left when I tried to make a purchase that US Bank had placed a freeze on my account. Over the next 24 hours, from XX/XX/XXXX to XX/XX/XXXX, I was giving multiple reasons why this was done from multiple customer service reps at US Bank to the teller and branch manager at US Bank XXXX XXXX ohio branch. I was told checks were being held for verification then both checks bounced then fraud department had placed hold on my account. Finally I was told by teller who made deposit and branch manager at XXXX XXXX branch that US Bank risk department had placed hold on my account and was reviewing my account for closure. They said they didn't have reason why this was being done. On XX/XX/, I received a letter dated XX/XX/ from US BANK stating that my account was in process of being closed for 'suspected irregular activity '. I checked my online banking and a withdrawl was made on my account at XXXXXXXX XXXX for {$8100.00}. I immediately called US Bank XXXX XXXX branch and spoke to teller who took original deposit to ask who withdrew that money out of my account. She told me she didn't that information. I recorded my phone call on my cell phone with her. I asked when I would receive my balance of {$8100.00} and she stated it would be mailed out within 15 business days. It has been a total of 35 days and I have received no check or explanation of where my money is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XXXX I went to the USA bank atm located at XXXX XXXX XXXX XXXX I attempted to deposit {$1200.00} to pay my rent which was due that very date the atm deliberately took all my money & spit out a receipt that didnt even have a balance I went into the establishment to get help considering I used the ATM right outside none of the tellers helped me they told me to call the number on the receipt although I asked to speak to a manager they refused to help me so I filed a dispute with the number unfortunately the money is needed to pay my bills I am a single mom struggling to make ends me I find it very inconsiderate that the bank can take my money & no one knows where it went or when Ill get it back I am currently accumulating late fees due to this ATM taking my rent money they will move forward with the eviction process if I dont get it paid Ive called the bank multiple times today to speak with a manger to credit my account I am unable to reach anyone this situation is affectingy livehood & is very inconsiderate I just want my money to pay my bills
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: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The ACCOUNT ABUSE REPORTED BY US BANK ON MY CONSUMER REPORT IS THE OVERDRAFTS FRAUDULENTLY CHARGED TO MY DEBIT CARD ACCOUNT. I DID NOT HAVE SUFFICIENT FUNDS TO PRICES INSTRUCTED TRANSACTIONS. US BANK ALLOWED PROCESSING AND THEN CHARGED {$30.00} IN OVERDRAFTS FOR THE NEXT 4 MONTHS. I FILLED REPEATED COMPLAINTS, DISPUTES, AND FRAUD REPORTS. AND STILL US BANK LABELED THE {$130.00} AS " CHARGEBACKS '' AFTER REVERSING CHARGES FOR CONSUMER RESOLUTION AND THEN REPROCESSING SAME INSTRUCTION TRANSACTIONS ON AN ACCOUNT THAT HAD INSUFFICIENT FUNDS. AND THIS Fraudulent unfair REPORT IS PREVENTING MY ABOUT TO OPEN BANK ACCOUNTS AND CASH CHECKS ISSUED TO ME
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted XXXX on a few occasions, with the last date of contact being XX/XX/XXXX. XXXX does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and XXXX will not investigate and remove unauthorized inquiries. I submitted a XXXX XXXX. Nonetheless, XXXX needs to do more than note the unauthorized inquiry and have it removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Victim of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit and identity monitoring service notified me that a credit report had been requested on me with XXXX. Since I hadnt applied for a loan, gotten a credit card or anything related, I pursued this issue. Ostensibly the company that made the request for my credit report was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX The phone number is a XXXX area number and when I XXXX it, the number appears to belong to an individual in a southern suburb of XXXX. I contacted Elan Financial, was transferred to their fraud department, but was told they couldnt help me as they only dealt with credit card fraud on cards held by their customers. I asked if there was someone else I could talk to and they said no. Ive since had security freezes put on all three credit reporting agencies but XXXX said they wont remove the inquiry until I file a report, which is why Im filing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX I received a call about fraudulent activity on my checking account at which it was discovered that XXXX had been wired out of our savings account. They were suppose to report that and close the accounts which he did not. I got an email about another attempt to wire another XXXX out of our account. I called customer service to repot that and stop it and they put a block on our accounts and reported the fraud again. We went to our local branch to open new accts. We were had issues and I called customer service and they said our original accounts had not been closed so we had to go back close everything again and open new accounts again. At this time we have heard nothing about our wire fraud. Hence today XX/XX/XXXX we find out by calling customer service that they denied our claim on XX/XX/XXXX. We have heard nothing from the bank or the wire fraud department at all about why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 421XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received my XX/XX/XXXXXXXX statement and paid it. In XXXX I received a text form someone at my previous address saying US Bank had left a message on the answering machine and I should call them. I had also received an email so on XX/XX/XXXX I called the # on the email. I told them I had not received any bills and I needed a bill so I could figure out what was going on. They ordered statements. Two weeks later I called back, was told it could take up to a month to get statements. Waited a month, called XXXX had just reordered statements, XX/XX/XXXX. verified address told me what the charges were for Called you guys and was suggested I check my credit report. I checked XXXX and all was good except US Bank which potentially deleterious. also included the address of XXXX XXXX XXXX. My credit score had been over XXXX and fell to XXXX it is now at XXXX. Waited another month called XXXX asked for statements for this year only, asked what address they had for me and was told XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX I asked who do I talk to to settle because they had the wrong address. The agent said it was him but would only say so you want to settle in full. I asked about goodwill adjustment and was told they did not do that. Called XXXX reoreded this years statements, address was changed to the correct address but now have no evidence they were using the wrong address, didn't seem to matter that I had not received 4 months of bills
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A