Date Received: 2023-10-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: When XXXX XXXX was taken over by US Bank I was told that if I go over or don't have enough funds they would supply a {$50.00} XXXX, that has not happened I was told US Bank has real time transfer I transferred {$50.00} to XXXX around XXXX this morning and the money still has not hit account??? Now I'm being told that it will take XXXX business days so I am without money until possibly Tuesday. Fraud I never reported anything fraudulent but as of XX/XX/23 every transaction is flagged fraud without my authorization. I can't get in contact with customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have requested a full printout of all transactions several times and they have not mailed them to me. It is a US bank account through XXXX grocery store. The transaction was made after I destroyed and disposed of the card and no contact was made in efforts to alert me of an unpaid transaction until over a year later. I am not going to pay anything unless they can provide full printed out undeniable proof that I made the transaction. Current total for the accused transaction is {$620.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023 I was enrolled into the short - term payment plan with US Bank. This payment plan was scheduled for XXXX months and authorized direct draft payments of {$82.00} from my bank account. The first direct draft payment was auto drafted on XX/XX/XXXX. On XX/XX/XXXX I decided to pay off the entire balance in full. Nothing on the enrollment confirmation mailed to me states that derogatory information would be reported to my credit report during enrollment in the short term payment plan. However, US Bank has reported to the major credit bureaus that I was late in XXXX and XXXX of this year. This is inaccurate and illegal because the short term payment plan does not state anywhere that derogatory information will be reported to the credit bureaus while payments are being made. This activity does not align with the FCRA. The account was not delinquent XX/XX/2023 XXXX XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: There are so many issues with the US Bank Skypass credit card. XXXX. This is a XXXX XXXX XXXX XXXX but I can't even purchase korean air ticket due to a weird us bank 's policy regarding fraud detection. 2. I am trying to use this card for my apartment rent, but it was declined due to a fraud issue. so I called US Bank and told them I was using my card to pay rent for my apartment. US Bank cleared the flag but still can't pay. 3. I am trying to purchase a grocery shop at XXXX, but my card keeps declining. I just called the bank right now ( while I am writing this ) and they said cleared. But still not fixed yet. no where to use this card.
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: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank states that there is a limit of {$5000.00} per day and {$10000.00} per week for external transfers. No further information. I transferred {$5000.00} on XX/XX/XXXX, another {$5000.00} on XX/XX/XXXX and received a message that I had reached the weekly limit when I tried another transfer on XX/XX/XXXX. I tried it again on XX/XX/XXXX in the morning and the transfer was successful, meaning that the system reset the week at midnight on XX/XX/XXXX and that the new week started on XX/XX/XXXX. On XX/XX/XXXX I tried another transfer and received the message that I had reached the limit. I talked to the branch and was advised that the system would not reset at midnight on XX/XX/XXXX but at midnight on XX/XX/XXXX ( which didnt make sense since my transfer on XX/XX/XXXX in the morning was successful ). The branch manager advised that I should be able to do another transfer on XX/XX/XXXX. On XX/XX/XXXX I made another attempt with the same result. The branch did not have an explanation and told me to call the online department at ( XXXX ) XXXX. The online department told me that the system was set up the way that it would reset the week on XXXX which is not disclosed to customers and doesnt make sense. The new week in my case started on XX/XX/XXXX and according to the information that US/Bank gives to its customers, I should have been able to do another transfer on XX/XX/XXXX. I feel that US Bank set up the system in order to hold the money as long as possible without paying any interest, contrary to the information given to customers that they can transfer {$10000.00} per week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I own a duplex property with a mortgage on it from US Bank. There was a fire there in XXXX. XXXX XXXX paid out $ XXXX total to pay for the renovations from the fire. They paid out $ XXXX to start, which I had to take to US Bank for them to endorse the check and I was able to deposit it with no issues. Then when the work was completed, I received a final check from XXXX of $ XXXX. I took that check into a US Bank branch on XX/XX/XXXX, and the branch manager called into the US Bank insurance claims process and she had them on speaker and because the total is now over $ XXXX, it had to go though a special process where we send in paperwork. The person on the phone listed what we had to do/send. We gave that info to the branch manager and she mailed it in. I heard nothing for a week or two and then I got a call from US Bank saying there was information missing. They said we didn't sign the back of the check ( no one told us this check would be cashed by US Bank, we assumed they would endorse the back of it like last time and mail it back ), so they had to mail the check back to us, and then I paid {$28.00} to overnight it back to them because at this point, I had already paid out that money myself to the construction company, so I'd been floating $ XXXX ( and I still am to this day on XXXX XXXX ). I also asked them at that point to overnight the check back to me when the process was done, they said they'd put in a request to do that. On that same call, they told me the work on the house needs to be inspected, and that they'd have an inspector reach out to me ( not sure why they didn't do that initially, but they waited until my call with them to trigger that process ). The inspector reached out and scheduled to come, but then canceled day of. And then we heard nothing back after that from them, so I called again. This time they told me the inspection was done, everything was done, and they would trigger the new check to be cut and sent to me. Again, i waited, and nothing happened. So I called back and the person told me the inspection still needed to be done, so they triggered a new inspection that at this point happened almost XXXX weeks ago, and I still have not received my check in the mail. I am going to call back today, but this is completely ridiculous. What would I have done if I didn't have the money to float this? My credit would be impacted. I have called I think 5 times at this point and every single time I've called I've been given incorrect info and told to do something else. The last time I even demanded a supervisor and she told me that after the inspection it would take them XXXX business days to release the check, which she would put in the request to overnight. That was XXXX weeks ago. Their process has to change. They have literally been holding my $ XXXX for XXXX weeks at this point. Is that even legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84025
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I did a balance transfer to US bank credit card while back by a paying fee and received the XXXX percent interest offer which is scheduled to expire on XX/XX/XXXX. I never missed any payments and was on schedule to pay the balance off by the scheduled expiration date. However, during the most recent billing statement period I had to pay for something so I charged this very card {$2700.00} on XX/XX/XXXX and because I wanted to avoid paying high interest, I made payment of {$2700.00} on XX/XX/XXXX. This transaction occurred during same billing cycle period so I thought everything was fine. To my surprise, when I received the monthly statement, US bank credited the payment of {$2700.00} towards my balance transfer amount and charged me 20+ % interest fee on the purchase I made on XX/XX/XXXX. When I called the customer service at US bank, they told me any payments I make would go towards paying off any balance with lower interest rates first and there's nothing they can do about it. I think this is kind of unfair business practice because consumer should be given a choice to make payments towards balances from credit cards especially transaction occur within same billing cycle period and balance transfer offer wasn't expired. Hope you can resolve this issue and further create better a policy to protect consumers. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have 3 credit cards from US Bank. Changed my payment bank account to new bank account. But US Bank can't handle it at all. When i am trying to setup auto pay, I am getting this error : Our system isn't cooperating. Please try again. Our system isn't cooperating, Please try again. Talked to customer service on XXXX XX/XX/2023 during XXXX XXXX onwards. Later to supervisor. Nobody is of any help - in fact they don't know what are they talking about? Filed CPFB complaint " XXXX ''. They send me wrong instructions to setup automatic payment. Contacted XXXX at XXXX XXXX Central times. 3 transfer and nothing done.
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: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Business credit card was offered with a {$500.00} bonus if {$4500.00} was spent using the card within 150 days of account activation. Promotion included unlimited employee cards and card paid a favorable percentage back on fuel purchases, which is the obvious selling point of this business card. On XX/XX/2023 I activated the card, and shortly thereafter I requested and received employee cards for those employees of our business that drive our trucks and therefore spend money on fuel. We reached the {$4500.00} threshold within 60-90 days of account activation. US bank failed to pay the promotional {$500.00}. On XX/XX/, I received a letter stating that I did not meet the promotional requirements. When I contacted US Bank, the reason they provided was that the promotion was only for my individual card - and not the business account as a whole. That is a blatant lie. The account is in the business name, it was signed up in the business name, and it is a business card for business purposes- specifically fuel purchases. US Bank is being disingenuous at best, and at worst they have committed fraud - which in North Carolina is subject to the North Carolina XXXXnfair and Deceptive Trade Practices Act ( UDTPA ), which is found in Chapter 75 of the North Carolina General Statutes. I contacted US Bank but received no assistance in resolving this issue. US Bank owes me {$500.00} now, or I sue them and claim {$1500.00} in treble damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have an account of US bank and my friend has an account of XXXX. I sent her XXXX dollars through XXXX transfer on XX/XX/XXXX. Money was immediately gone in my US bank account but was never delivered to my friend XXXX account. We tried to ask XXXX but they said they could do nothing. We tried to ask US bank for dispute the transfer, but they have no response yet. We tried to contact XXXX, but can not. Please help me with the issue. I would like to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A