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: So I lost the card twice in a short period of time, and during that time I was told that I did not need to file a police report, so what I decided to do was just file a claim. The representative also said that I do not need to file a police report, but I was told that the dispute was closed, so I had to reopen them and then file a police report. Not only did I not have an update, but I was charged twice on each transaction, so even when I got provisional credit for the transaction by telling them that I lost the card, I still had the same transaction charged again. I wanted the dispute resolved since I lost the card originally, but there were statics, so I believe the representative said that I have the card in my possession when I did not. The last few times that I spoke to the representative, there were two separate disputes with the same transactions for both times when I lost the card. One of the disputes said I have it, and another ( double charged, which got provisional credit reversed ) said that I do not have the card. Right now I plan to make a payment, but I should have gotten this resolved awhile ago. Old account XXXX XXXX XXXX XXXX ( Currently XXXX XXXX XXXX XXXX ) - XX/XX/2023 XXXX XXXX {$10.00} XX/XX/2023 XXXX XXXX {$11.00} XX/XX/2023 XXXX XXXX {$6.00} XX/XX/2023 XXXX XXXX {$25.00} XX/XX/2023 XXXX XXXX {$18.00} XX/XX/2023 XXXX XXXX XXXX {$22.00} XX/XX/2023 XXXX XXXX {$12.00} XX/XX/2023 XXXX XXXX {$31.00} Old card - XXXX XXXX XXXX XXXX ( US Bank ) and the current card number for this account is XXXX XX/XX/2023 XXXX XXXX {$42.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$33.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$29.00} XX/XX/2023 XXXX XXXX {$24.00} XX/XX/2023 XXXX XXXX {$15.00} XX/XX/2023 XXXX XXXXXXXX {$12.00} XX/XX/2023 XXXX XXXXXXXX {$7.00} XX/XX/2023 XXXX XXXX {$19.00} XX/XX/2023 XXXX 's {$7.00} XX/XX/2023 XXXX {$69.00} XX/XX/2023 XXXX XXXX {$6.00} XX/XX/2023 XXXX 's {$5.00} XX/XX/2023 XXXX 's {$3.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$37.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$29.00} XX/XX/2023 XXXX 's {$27.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$27.00} XX/XX/2023 XXXX 's {$25.00} XX/XX/2023 XXXX {$39.00} XX/XX/2023 XXXX XXXX XXXXXXXX XXXX {$22.00} XX/XX/2023 XXXX XXXX XXXXXXXX XXXX {$17.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX {$13.00} XX/XX/2023 XXXX XXXX {$14.00} XX/XX/2023 XXXX XXXX {$13.00} XX/XX/2023 XXXX 's {$3.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$54.00} XX/XX/2023 XXXX XXXX XXXX {$13.00} XX/XX/2023 XXXX XXXX XXXX {$37.00} XX/XX/2023 XXXX XXXX XXXX {$22.00} XX/XX/2023 XXXX XXXX XXXX {$29.00} XX/XX/2023 XXXX XXXX XXXX {$27.00} XX/XX/2023 XXXX XXXX XXXX {$17.00} XX/XX/2023 XXXX XXXX {$35.00} XX/XX/2023 XXXX XXXX {$13.00} XX/XX/2023 XXXX XXXX {$14.00} XX/XX/2023 XXXX XXXX {$3.00} XX/XX/2023 XXXX {$39.00} XX/XX/2023 XXXX XXXX {$38.00} XX/XX/2023 XXXX XXXX {$25.00} XX/XX/2023 XXXX 's {$27.00} XX/XX/2023 XXXX {$26.00} XX/XX/2023 XXXX XXXX XXXX XXXXXXXX {$33.00} XX/XX/2023 XXXX XXXX XXXX XXXXXXXX {$29.00} XX/XX/2023 XXXX XXXX {$7.00} XX/XX/2023 XXXX XXXX {$19.00} XX/XX/2023 XXXX XXXX {$3.00} XX/XX/2023 XXXX XXXX {$6.00} XX/XX/2023 XXXX 's {$5.00} XX/XX/2023 XXXX {$7.00} XX/XX/2023 XXXX {$32.00} XX/XX/2023 XXXX XXXX {$42.00} XX/XX/2023 XXXX XXXX {$24.00} XX/XX/2023 XXXX XXXX {$12.00} XX/XX/2023 XXXX XXXXXXXX {$7.00} XX/XX/2023 XXXX XXXX {$15.00} XX/XX/2023 XXXX {$69.00} XX/XX/2023 XXXX XXXX {$12.00} XX/XX/2023 XXXX XXXX {$31.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I requested a {$120.00} check be issued and mailed for receipt on XX/XX/2023 to a known individual via USBank 's bill pay system. The check was issued and cleared my account on XX/XX/2023, however, it cleared for {$1100.00}. I viewed the digital copy of the check via the bank 's mobile application. The payee on the check did not match the payee I requested and the amount was not the amount I requested. The check was endorsed but no other banking marks are visible. It appears to have been deposited via a mobile application. On XX/XX/2023, I visited my USBank branch. I worked with a teller who contacted the bill payment fraud department. I was told I would have to complete a paper Affidavit of Unauthorized Paper Debit form and return it to the bank and that the form had to be mailed, not emailed. I asked for a provisional credit of the {$1100.00} as I did not issue the check, USBank did. The bank informed me that I had to wait 10 days for a provisional credit. I received the affidavit letter ( dated XX/XX/2023 and postmarked XX/XX/2023 ) on XX/XX/2023. I completed the document and returned to the bank on XX/XX/2023 so they could fax it to the fraud department. I again inquired about the provisional credit and was told the branch XXXX would contact me when he returned. I never received a call so I called the fraud department directly on XX/XX/2023. They told me I was not entitled to a provisional credit as this was a check fraud issue and I would have to wait until they completed their investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On two separate occasions when attempting to access funds from a business account for which I am a registered user I have been put through " additional verification procedures ''. These include answering additional questions, having supervisors and/or mangers come over to help the bank teller, being asked to re-sign a withdrawal slip and having my driver license information scanned and rescanned. When I ask what the problem is and why my transaction is taking so long. I am given dishonest and troubling excuses like we " have to check if there is enough money in the machine ''. This is especially troubling since the balance on the account tends to be between {$70.00} and $ XXXX and the withdrawal amount have been {$3000.00} and {$6000.00} respectively. The date of the last incident happened on Friday XX/XX/XXXX at approximately XXXX. Both incidents happened after providing my bank card and a valid CA Driver License during face-to-face transactions with the teller representative. I have gone to another location and these " extra procedures '' do not take place. Both of the incidents happened at US Bank located at XXXX XXXX XXXX XXXX, CA XXXX. I have emailed the branch manager, and he has not yet resolved the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Then short US Bank returned the check that was good it overdrafted me. At that point it was only {$100.00} and I was going to sort it out so I went and put stop payment on everything and I turned off the card. I also contacted them and asked them to not authorize any payments on that account, they then proceeded to continue to authorize payments for as little is a XXXX or less and let me incurred {$36.00} in overdraft fees for each one no matter what I did they would not stop letting third parties withdraw funds that was not available. At that point it had balloon to nearly {$300.00} then in XXXX they arbitrarily charge me a fee. It said an analyst fee just for XXXX. Ive had the account for a year For {$280.00} just tagged it right on there. I asked for an explanation I got none they continue to let money be drawn from that account and hit me with overdraft fees and its got to be pushing probably {$1000.00} by now it was in the XXXX the last time I used it personally or authorized a payment myself. I have not use that account since XXXX. Against my wishes they continue to let it be open and when I request to close it, they say until its brought even they wont close it but they keep letting the money they know isnt there or available be withdrawn this isnt the first time that they acted in this manner. Furthermore, it was their own employees who instructed me how to proceed after the return check, and how to go about stopping payments. I did nothing that I wasnt specifically told to do by them with the promise that that would get everything sorted out and said it has only let matters get worse. They have ruined my credit temporarily, and theyve made it near impossible for me to get another checking account. I am a XXXX XXXX XXXX, and they seriously limited my ability to work online accept payments. Just is an example of how ridiculous it is they charge that {$280.00} fee slap it on there and they also overdrafted me for it and charge me another XXXX for that then turn around and a bill that had been coming out of that account sometime ago try to auto withdraw from it not that our request it just did it automatically for {$250.00} which cleared somehow and then they turned around when they realize it a week later and they return it, so if it was money coming out of their pocket, they stop the payment, but if its money coming out of my pocket or that I can be sent to collections over they have no problem with it whatsoever. I dont know how this could possibly be legal. And through all of this, I have asked them to stop all payments from that account so it could be brought to even but its now through no fault of my own been pushed to such a large sum. Theres no way that I can do anything about it until they eventually sent it to Collections and then I have to deal with it and they get to sell the debt to somebody else for XXXXXXXX XXXX on the XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are billing issues on my accounts and should be removed. U.S. Code 1666b states that a payment should never be considered late for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I open a checking account on the US Bank splash page with the promo code XXXX on XXXX. Based on the promo terms, Ill get {$400.00} bonus after enrolled in online banking and have two direct deposit with total more than {$6000.00}, the bonus will be deposited into my account within 60 days of deposit. I completed the task XX/XX/XXXX and after 60 days, I did not received the promised bonus. I confirmed by calling them that I have the bonus code for this account when it open, and I also confirmed with them that I finished all the task at the time XX/XX/XXXX and XX/XX/XXXX. I called to ask them about the bonus, but they never reply back with the research that they are doing which supposed to be concluded in 3 business day. Attached is the fine print of the promo, the screenshot of confirming my promo, and my tasks finished on XX/XX/XXXX. A minimum deposit of {$25.00} is required to open a U.S. Bank Smartly Checking account. Earn a {$200.00} or {$400.00} bonus by opening a new U.S. Bank Smartly Checking account ( excluding Safe Debit Account ) online, in a branch or over the phone by the expiration date on your mailer. Additionally, you must enroll in online banking or the U.S. Bank Mobile App within 90 days of opening your account. You must also complete two or more direct deposits within 90 days of opening your account that total : {$3000.00} to {$5900.00} to earn the {$200.00} bonus, or {$6000.00} or more to earn the {$400.00} bonus. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: * opened checking in XX/XX/2023, had a small direct deposit going there since then to try out the account, so far, no problems * opened money market account XX/XX/2023 to combine checking and savings in one place and simplify my banking while still getting good yield on savings ( after going back and forth faxing over copies of my driver license and Social Security card, which took almost 3 weeks all together ) * switched over direct deposits and debits for all bills * on XX/XX/2023, I transferred from XXXX XXXX to fund the new accounts using 2 ACH deposits to the US Bank checking account : 1 deposit of {$1200.00}, the other of {$20000.00} * moved the bulk of the money to the money market account and left what was needed to pay bills in checking * the next day, around XX/XX/2023, I could no longer access my accounts * have been calling and speaking with various representatives on the phone to help but all they said is my accounts were being closed with no explanation given * I was initially told I would receive a letter in the next 2-3 days with information required, and instructions how to resolve the issue ( no letter has arrived as of XX/XX/2023 ) * spoke with a banker in a branch servicing out of state accounts on XX/XX/2023 * no more information was relayed, just that accounts were being closed, and no timeframe or explanation, or request for information * spoke with branch manager on XX/XX/2023, she said she will be finding out from the back office what is going on and what can be done about it * after some follow ups and patiently waiting, on XX/XX/2023, the branch manager finally told me that I need to speak to the " E-Fraud '' team about the issue * I was not given a case number from them, or a phone number to contact them, or anything * I was told to contact the customer service number again, where I initially started this whole ordeal to begin with * today, XX/XX/2023, after being on the phone with US Bank for XXXX XXXX, I still don't have any resolution, or information when my accounts will be closed, or even an estimate of a timeframe when this will happen I have asked, and offered to provide any information to US Bank about the source of my funds, including statements from the originating bank, W2s, any other form of information or assistance to validate the source of the money, or even a 3-way call with the originating bank to validate this information over the phone. They have not asked for any information from me, and they have not given me anywhere or anyone whom to send this information to. To sum up, US Bank has almost {$23000.00} of my money since XX/XX/2023 and I have had absolutely no access to it, they claim my accounts are being closed, but they have not closed them, they claim that I would be getting some letter since XX/XX/2023, which I have not, and that I would be getting back the funds in a cashier 's check, which I have not either, and they won't tell me when this would be happening. This has been the absolutely worst experience I've ever had with any financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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 been charged for almost XXXX XXXX in charges. i have told US bank that these charges are not valid charges they refuse to even ask these companies to provide proof, i have filed a police report and have asked numerous times to dispute these charges. i have entrusted this bank with my money and they have not followed any laws and denying my legal rights. these charges are fraudulent and i want my money returned to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 a direct deposit was made into my Union Bank Checking Account for the amount of {$620.00}. On the same day this account was closed due to a bank conversion - Union Bank was now owned by U.S Bank ( Union Bank is no longer open or in service ). My employer has stated that Union Bank accepted the deposit and has not returned the funds. My Union bank account did not transfer over to U.S Bank and was closed. U.S Bank claims they returned the funds and provided me a return tracking number ( # XXXX ) but the funds were returned to Union Bank and not my employers bank. At this point there has been no resolution to retrieve the funds. They have claimed they can no longer help me due to the fact that I do not have an open account with U.S. Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Dear Sir/Madam, I was trying to send fund from USBank {$2500.00} via XXXX normally using Online banking and smartphone app. However, suddenly my whole online banking account was locked that I can not access it at all, unable to move funds or even check balance. I called the bank and verified my self, but the bank refused to unlock it immediately. The bank said it triggered for a technical review, it will take 2-3 days and unlock automatically, but even I verified myself, they will not unlock it. The bank refused to explain how it happen and how to prevent it, despite it happened two times continuously. I am very confused that locking my account without a good reason for a unreasonable long time and refuse to unlock it even I verified myself is a big affect to my life. Would you please let the bank to solve this problem? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A