Date Received: 2023-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been trying to to make my credit card payments for 3 months payments to US BANK and they sending my payments back.I Always have the funds to pay it as I'm typing this i, mon the phone with US BANK again same old transfers from one dept to another. They ruined my credit and everytime I talk to them they say they can, t do anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 I made a deposit into my checking account for XXXX XXXX. In which I was able to receive. The issue is there holding a deposit on a check from a major insurance provider drawn from one of the largest financial institutions in the country. I requested the funds be released because I also have direct deposit from the US Treasury every month due to my XXXX. I told them I was homeless and needed the money to obtain housing. I was told I would have access to the funds within 24 business hours. The time has come and gone while I'm on the streets cold hungry and my life at risk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account at US Bank on XX/XX/2023, with the promotional code " XXXX. '' In US Bank 's then advertisement ( archived in https : XXXX ), I would received {$500.00} bonus on XXXX conditions ( XXXX ) enrolling U.S. Bank XXXX App within 90 days of the account opening, and ( XXXX ) direct deposits of total {$10000.00} within 90 days of opening this account. I enrolled their mobile app immediately and complete the direct deposits of {$12000.00} by XX/XX/2023 ( please see the attachment ). The {$500.00} bonus has not been given to my account by now. I've called US Bank XXXX XXXX. During the first XXXX times, I was told by the representatives that all conditions had been met and " I just have to wait. '' The fourth time, however, the representative claimed that I was not qualified the the bonus, because the direct deposit was made in XXXX, when the promotion had ended. After I refer the representative to the timeline in the terms to correct their wrong-claiming, the representative said US Bank would open a ticket and respond to me request in XXXX week. Now it has been XXXX weeks, and no one from US Bank has contacted me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: On XXXX XXXX, U.S. Bank received my Funds to pay off my mortgage/discharge. U.S. Bank went into default by refusing my payment in good faith and honor. House Joint Resolution 192 was passed to suspend the Gold Standard and abrogate the gold clause in the National Constitution since then no one in America has been able to lawfully pay a debt. A promissory note can not exceed the life span of nine months. The promissory note is a Security. Please cancel any and all contracts with U.S. Bank/Bancorp All Rights Reserved UCC 1-308
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My account has a hold on it since the XXXX of XXXX, 3 days after i opened the account on the XXXX. They are asking me to step into a bank for this but thats simply not an optionXXXX XXXX XXXX XXXX XXXX XXXX i hardly leave my home. They told me on the phone they wont close my account because of this hold, whatever the reason im not sure. Id like my account closed and the funds returned to the original funding method used or a check mailed to me. This has been a terrible experience for me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Getting a line of credit
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX Us Bank XXXX XXXX XXXX XXXX OH XXXX RE : Adverse Action Dear Us bank I the consumer and natural person. was denied credit by Us bank when I applied for a {$25000.00} personal loan and this is the XXXX time Ive been discriminated against Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are criminally liable for violating 15 U.S.C 1691 as I have proof that i was discriminated against by US bank due to the response I received. US bank is in violation of 15 U.S. Code 1642. U.S.C 168lm and 12 cfr 1002 because I, the consumer. made an application in good faith, but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of companies name if US bank fails to make any reasonable procedures ( claims ) to resolve this matter and compensate me for the use of my credit card I will be making US bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for all the violations ( ( {$10000.00} ) per violation ). Thank you, XXXX, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Elan Financial has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: On or about XX/XX/2023, U.S. Bank NA debited my personal checking account an account maintenance fee and a sales tax in two separate, respective line items. Typically, this fee is posted on the XXXX of the month taking into account weekends and holidays. The date this particular fee was posted was unexpected because XX/XX/2023 was a Friday, a non-bank holiday, I had supplied sufficient funds to cover this fee and had it posted as expected. The amounts are then returned with almost immediate effect. However, in the interim period, if there are not sufficient funds available in the account to satisfy this temporary fee, a negative balance is rendered. I believe this predatory action is deceptive and designed solely to maximize the number, frequency, and amount of unjustifiable junk banking fees generated against account holders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On or about XX/XX/XXXX I made several attempts to use the mobile deposit feature on the U.S. Bank NA mobile banking application. I received several egregious error messages over the course of more than two hours. On the last attempt the deposit appeared to be successful insofar as I received an email message, led to believe, ( timestamped at XXXX XXXX XXXX ) from U.S. Bank NA stating the status of the mobile check deposit was accepted, further stating weve accepted your deposit. and you will have access to at least the first {$220.00} right away. The check amount was {$120.00}. However, the date, in the contents of the message, was post-dated to XX/XX/2023 seemingly in contradiction to the aforementioned statement made, in the same message, funds being available right away. As of the end of business on XX/XX/2023 the funds still appear as pending in status. Additionally, the mobile application for the account, in question, also shows an available balance reflecting the mobile deposited check is fully credited to the business checking account, right away. I was misled into believing the funds were available for uses, such as, but not limited to, an internal transfer between two checking accounts, for less than the total amount of purportedly available funds. This led to further confusion as the balances displayed showed two separate, contradictory amounts ; one, the headline available funds reflecting the amount inclusive of the funds recently deposited, but, below that in a much less conspicuous font, secondly, an amount not including this amount, thusly, showing the account in a negative net balance. I believe, U.S. Bank NA is making intentionally contradictory statements about available balances and processing times, in an effort to confuse consumers, to induce action in an effort to create a scenario where a negative balance is rendered, however temporary, so the bank can then apply its rent-seeking, deceptive junk fees ( e.g. overdraft, and returned check ( s ) fees, etc. ) against the account holder. I believe this predatory action is blatantly profiteering. Such deceptive practices are designed, expressly, to maximize the number, frequency, and amount of unjustifiable, hidden junk banking fees generated against account holders, by definition, those who can least afford it. This type of rent-seeking fee may be a customary practice amongst super regional institutional banks, but, it should not be considered justifiable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been trying to get stop payment and a new cashiers check reissued to me. US Bank has made this process VERY difficult and time consuming. The check issued was damaged due to one of THEIR bankers negligence and discrimination towards me and no bank or check cashing institution will honor it now. I called US Bank and was informed to wait 15 calendar days before I can get a new one.The check was issued XXXX XXXX and I called XXXX XXXX. And of course each representative I spoke with has no clue on how to process a stop payment and send me a declaration of loss form. I have called multiple times and each time my problem is not being resolved and I'm being told, " I'll call you back after I speak with my manager. '' and each time I was never called back. The lack of regard for consumer funds is astonishing with this company. This bank has caused me so much turmoil & now my personal day to day expenses are being impacted. Bills are being late, I'm having issues paying things on time I feel so helpless. How can you tell the consumer to call and report the problem but no one is capable of fixing it and has to call other people?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A