Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I received 3 deposits, my VA compensation, and two employers. At which time one automatically came out as it always does on the XXXX or that XXXX is the XXXX falls on the weekend. I then made a payment to my insurance company and my sons daycare ( this is a normal payment made almost every XXXX ), also US Bank Home mortgage ( of course they make sure they got their payment but XXXX the rest of your bills ). I lost my card that afternoon. I reported it stolen thru the app. This has happened before and Ive never had an issue. I verified all the pending charges were correct. As of Monday XX/XX/XXXX my account was fine and those charges were still pending. On XXXX XX/XX/XXXX, the money was back in my account and the transactions reversed. This puts me in a bad position with these companies, I risk losing my insurance, having my loan considered late and having another fee for that, and more than likely getting charged return check fees by these companies. Every representative has refused to look into it or try to help. They either give me the run around, transfer me to someone else without telling me or just put me on hold until I hang up. I already know US Bank is going to come at this with some XXXX answer. They are a horrible company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My autopay did not go through and they said it was becasue I set it up too close to the payment date. Then I had a possoble fruad on the bank account and had to block it and that also topped a payment but I was in touch with US bank and had 2 months payments pendin while that was investigated by XXXX XXXX. XXXX XXXX told me we could do a conference call with US Bank and explain the situation becasue the funds were there but the payments would return becasue of the account investigation. I was in touch with US Bank the entire time during this and they said no problem o when my account was fixed all the paymets went through plus another payment. They had reported me to colletions and I was in contact with them also and told them the problem. It was an honest error, and I let them know but they did not really do what they were saying I suppose. Here is the statement during that time peeriod where I made some larger payments due to the issue with money that they should have had already if not for a block on my XXXX XXXX account becasue of an investigation into another payment that was going out of that account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have an ongoing credit card relationship with US Bank. There are two interest rate tiers on my credit card account. The first is an interest free balance transfer that has no interest promotion until end of the year 2023. There is also a second balance tier that had an interest rate promotion that expired in XX/XX/2023. Per the CARD ACT, in the application of payment provision of this act, any additional money that the consumer sends in excess of the minimum payment MUST be applied to the highest interest rate portion of the account. However, US Bank is posting my excess payments to the interest free portion of the bill and at the same time charging interest on another portion of the balance and not applying any of my additional payments to this portion of the bill. This appears to be a clear violation of the CARD ACT. In my example the interest is nominal, BUT if this behavior by U.S. Bank is widespread this could be a rampant violation of the law by US Bank, costing consumers millions of dollars a year due to their ongoing violation of the CARD ACT by U.S. Bank. I have attached three monthly statements of my account showing the balances and the payment posting history. It is only the most recent XXXX statement that shows the improper interest being charged. The prior statements from XXXX and XXXX are showing you how my excess payments are being posted to the balance with no interest but nothing applied to the portion that has interest being charged. I have also attached a summary of the CARD ACT and specifically reference the 'Application of payments ( payment allocation ) ' on page three that US Bank is violating.
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: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Beginning approximately 90 days ago ( today is XX/XX/2023 ) and continues daily. Elan financial calls my cell phone 2-6 times per day. Sometimes before XXXX and after XXXX XXXX. Try to answer repeatedly, say hello several times before being hung up on every time. Tried to return the calls and I am required to give an extension number that I do not have I have 2-3 accounts that are managed by Elan. I have no way of knowing which they are calling about
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I logged into my online banking with US Bank, to add a XXXX Contact, my son 's hockey team manager, so that I could transfer her {$300.00} to deposit into the XXXX XXXX XXXX ahead of an out of state trip for a hockey tournament. I added her contact email address and tried to proceed with the transfer. The bank prompted me to confirm the transaction since her email address is in her name but the account is in the Team 's name " XXXX XXXX '' I confirmed that I wanted to proceed. Nowhere was I advised that I had limited number of confirmations, or that I could be locked out of my account. In fact the error message I got was that the error was on the bank 's end and did I want to try again. Yes. So I attempted to do this a second time, from the online app for my bank, on my phone, and I was again given the error that the problem was on their end, and did I want to try again. This time I attempted to login to my online banking on my laptop, only to find out that my username had been disabled and I needed to call the bank. I called the bank immediately and was told that I was on a 48 hour hold for online banking while the bank investigated the issue- the issue I was calling them to tell them I did attempt to transfer {$300.00} to my son 's hockey team manager. I was also advised that they could not lift the hold, even though I was calling to advise them that this was a valid attempt of using my account. So now I have no online access to my money, we are leaving for an out of state trip Thursday, that I can't pay for ahead of time as required by the team ( they don't want checks or cash ), and I have no ability to correct this or see my money until after I will have arrived for my trip. This is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/2023 @ XXXX XXXX, I called to get an official Payoff on an auto loan ( XXXX ) I have with US Bank and spoke with XXXX XXXX ( wont give me her last name ). XXXX XXXX completely disregarded the privacy laws and insisted on knowing the reason for a payoff. I told he that it was none of her business to know the reason as to why I need a payoff. She refused to give me the payoff. I asked for a supervisor, XXXX XXXX, ID XXXX, came on the line and rudely refused to give me a payoff as well unless I also provided her a reason for the payoff and refused to send me a payoff document. I asked how to file a complaint, XXXX XXXX advised me that I will have to do it through her. XXXX XXXX advised me that she will file it on my behalf, and gave me a complaint reference # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX. has been in contact with the creditor, XXXX XXXX, and is under contract for payments on my behalf through XXXX. I have verbally requested that the creditor stop calling me but the representate stated that the calls will continue. The bank personnel is refusing to stop calling me, XXXX to XXXX times per week, about the past due balance that XXXX XXXX XXXX has taken the responsibility to bring to a current status in the coming months. The XXXX XXXX has agreed to accept payments and participate in this federally funded program.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, XXXX mobile deposited a check for balance transfers for the amount of {$9000.00}. On XX/XX/XXXX, I received an email stating the check was accepted and the funds are available. I then logged into my banking account and observed the check was accepted and funds available. I used the funds to pay high interest credits cards off. On XX/XX/XXXX, I logged into my banking and observed that I had a large negative account balance, but there was no indication as to why. Next, I called customer service and was told that a manager would call me back the same day for this matter. I never received a phone call. Today ( XX/XX/XXXX ), I again logged into my mobile banking and saw a large negative number, but there was no indication as to why. I called customer service and was told I had to now call the fraud department because they placed a hold on the check I had deposited. Also, there was XXXX overdraft fees now on my account. In addition, I saw the payments I made that been returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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 requested a chargeback with US Bank on XX/XX/2022 regarding the fraudulent company XXXX XXXX XXXX XXXX XXXX for {$510.00} they deducted from my account. I tried reaching out to the original company XXXX XXXX but they refused to refund me or provide me a hotel room. There are no terms and conditions to click on with the XXXX XXXX that deducted the {$510.00}. They put a timer for you to enter the information and give a false amount. US Bank allowed them to give them screen grabs as their evidence that I knew the amount and agreed to their terms which were falsified. US Bank but never let me provide them screen shots which I do have of their bait and switch. There are no terms and conditions on that page.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 567XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I funded a secured credit card in the amount of {$5000.00}, with an initial deposit to Elan Financial. The card was closed by Elan Finacial and my deposit was never refunded to me. At the time the account was closed, it had a balance of approximately {$410.00}. The remaining available credit {$4500.00}, which should have been refunded to myself has not been sent. After multiple correspondence to Elan Financial, they have refused to send my initial deposit back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A