Date Received: 2023-09-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up to get a new US Bank XXXX XXXX XXXX credit card for one purpose : to pay my outstanding {$4300.00} balance for a cruise I bought from XXXX XXXX. The bank advertises that the credit card awards 4X points for every dollar spent on travel expenses, but they only credited me XXXX. So instead of XXXX points, I got only XXXX points. When I questioned why I did not get XXXX points, I got this reply : " We do not have the ability to control how merchants classify their businesses. Therefore, we reserve the right to determine which purchases qualify for additional rewards. Our records indicate XXXX XXXX XXXX XXXX classifies their business as a travel agency. Purchases must be made directly with airlines, hotels, car rental companies, taxicabs, limousines, passenger trains, or XXXX XXXX to qualify. This means your transaction ( s ) to XXXX XXXX XXXX XXXX do not qualify towards the additional rewards. '' Obviously, XXXX XXXX is a CRUISE LINE. Look at their website here : https : //www.starclippers.com/us-dom/ In my opinion, this is classic BAIT-AND-SWITCH and FALSE ADVERTISING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11791
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 : I opened a business checking account with US Bank. XX/XX/2023 : I updated the address from the local place of business in XXXX to my home address in XXXX I recieved a debit card in the mail. XX/XX/2023 : I was not able to log in to my US Bank account online or activate my debit card. I called and was informed that my account was frozen and directed to the Fraud department. I was told that I would be sent a letter in the mail to notify me that the account was being closed, and that it would take 7-10 business days to receive the letter. I was told that I would receivea cashier 's check in the mail, and verified my mailing address. XX/XX/2023 : I went in person to a US Bank branch location to inquire about the status of the closure and get my initial deposit of {$3000.00} back in full. I was told that they couldn't see any specific about the account and there was no time frame for the review process. Again I verified my address and was told to wait for a letter in the mail and a cashier 's check. XX/XX/2023 : I called the US Bank Fraud department to inquire about the status of my account. I was told it would take 45-90 days for them to complete a claim. Again, I verified my address and explained that I had not received anything in the mail to notify me of the pending closure of my account.end of XXXX I received a statement from US Bank that showed a {$6.00} analysis service charge. I don't know what that charge is for, and I can not even log in to access my funds, so haven't been about to use the business checking account at all.Obviously they have the correct mailing address because I got a statement in the mail. XX/XX/2023 : I call US Bank again to inquire about my account being closed and why I have not received any letter or check. I was told again that there is no timeframe for the claim. Again I verified my mailing address and was told to wait for a letter and a cashier 's check. However, they did not say that I would get my full initial deposit of {$3000.00} back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Id like to file a complaint on my banker XXXX XXXX at the rapid city sd location at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX sd XXXX and US Bank. I went in to find out about opening an account with nearly XXXX XXXX XXXX and the banker named XXXX, lied to me in order to get me to open the account so she would get a commission. She told me multiple times that there would be no transaction limits, something that is very important to me and I repeatedly asked about. After opening the account my card was declined immediately for going over the transaction limits she swore didnt exist. After that she refused to speak with me about other options to avoid limits like opening separate accounts. US bank has ignored the fraud reports completely and all requests for a different account. Setting up this account cost me money and now using it cost me a lot of money just to take out my own funds and make separate trips every time I buy something. If theres ever an emergency I wouldnt be able to do anything and it WILL be us banks fail, its also preventing me from working which I do on the road. Now Im on the road and cant get anything done. I have over XXXX XXXXXXXX and they are telling me I can only spend XXXX XXXX a day. Besides the fraud to get my business, this is also illegal. Us bank has ignored the bbb complaint and pretended the fraud wasnt a part of it. This is a serious federal crime I will be seeking accountability for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Fees or costs during the application process
Consumer Complaint: I have had a heloc with USBank since XXXX. XX/XX/XXXX they reminded me aware of the {$90.00} annual renewal fee to be charged XX/XX/XXXX. That did not concern me. On XX/XX/XXXX I received a letter indicating that any use of the credit line is subject to application approval, credit check, and only allows draws on the account for one more year. In short, there is really no value to the account any longer. What benefit is there to having the HELOC. Can only draw on it until XX/XX/XXXX and must schedule repayment until XXXX/XXXX/XXXX. Because of its limited use and benefit, I asked to close the credit line, which they will do, but they do not refund the {$90.00} fee that was just charged. They claim contractual fee and not refundable. The fee is for the upcoming year. If I had known the upcoming limitations on the use of the account, I would have closed it a month ago. They charge an annual non refundable fee to provide a credit line with the highest flexible rate offered, still subject to credit approval and appraisal, and can only be drawn on for another year. What am I paying these fees for? Seems unbalanced to me. They quoted that I approved of these contractual provisions back in XXXX. Seems rather harsh to not refund a fee on a line of credit that has not been used in years, charges a higher than normal interest rate, and to not be willing to refund one business day after being charged. Especially since I have been a USBank client since XXXX for all our banking and also as a checking account holder and debit card holder before that since XXXX my first ATM card was with Star Bank . I really think this HELOC / mortgage practice needs to be reviewed. Very consumer unfriendly. What is the value of having a HELOC preaporoved if it charges higher than normal interest rates and is still subject to credit application and appraisal. What am I paying {$90.00} for? I would have canceled the HELOC in XXXX if I had known the limitations on the account which were not communicated until after the fee charge date. I do not feel like a very valued client. An annual fee of up to {$90.00} may apply after the first year. Application is subject to normal credit approval
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I purchased a gift card from XXXX 's grocery store in Arizona for {$200.00} about 4 months ago. The gift card company is XXXX. By the time I first went to use the gift card, the full {$200.00} had been withdrawn in a fraudulent transaction in California. I processed a fraud claim with the company and they sent me a replacement card for the full {$200.00}. By the time that card arrived to my house, the full {$200.00} had again been taken in a fraudulent transaction in California. I processed another fraud claim with the company and they again sent a new card with the full {$200.00}. That card arrived to my house and I checked the available balance and the full {$200.00} was available. Within 3 days, the full {$200.00} was taken again in a fraudulent transaction in California. I processed another fraud claim with the company and a replacement card with my name on it was sent to my house. Before I was able to use that card, someone contacted the company, registered the card ( with my name on it ) into their name and address - and asked for a replacement card to be sent to their house. I called the company to report a ( XXXX ) fraud claim and was now told that because they let the person register the card ( with my name on it ) in their name, I could not even submit a fraud claim. The replacement card with my {$200.00} balance is going to their house and I can't stop it nor can I get my money back nor can I enter a fraud claim. I want my {$200.00} back from the company and I will never purchase from them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a business account with USBANK. Upon opening I was unable to access my online banking. After 3 or 4 phonically into their service center I was granted access. I immediately transferred {$4000.00} from my personal account to avoid fees associated with USBANK low balance policies. After another week of work I attempted to go into a local branch and close my account due to negligence on their part. They refused and declined to acknowledge my money was transferred, even though. have the confirmation email saying it was complete. I still have no access to the account and they are holding any monies I transferred. IF I don't get my money back soon, My XXXX credit score will be affected. In that time I will hire a lawyer and sue USBANK. I just wanted to do business and they literally prevented that. I now have an account with a competetor without issue. I need my money back to avoid fees there. USBANK does not return my calls nor do they offer any help in the branch locations. I'm tired of the run around and want my cash. I will keep filing complaints weekly until this is resolved. It's an emergency situation for me financially, and USBANK is playing games. I also dont appreciate them selling me a credit card while opening the account. This bank is a bully.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XXXX XXXX XXXX is sending electronic transfer of funds to US Bank and the bank is holding my funds for 48 hours, I know it doesnt take very long at all to send an XXXX This account that the money is coming from is my XXXX XXXX account that is absolutely solvent, the transfer is sent on a Tuesday morning at XXXX XXXX it should be in my bank account the same day
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: They DID NOT RESPOND TO MY LAST COMPLAINT OF XXXX I can spend over two hour in the morning just trying to get competency. They simply DO NOT CARE. Often, people at their physical banks are rude and will not help even though I have to bring my computer there. The phone is the worst unless I am lucky to get someone with actual knowledge. I have many automatic deposits and have been a customer for a very long time. I am quite disheartened at the treatment towards older seniors. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: -In accordance with the fair reporting act " XXXXXXXX XXXX has violated my rights. - 15 USC 1681 section 602 states i have the right to privacy. - 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. - 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40502
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
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?
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: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A