Date Received: 2023-09-23
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Two bank accounts opened under my name despite a fraud alert placed.
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: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I made a payment of $ XXXX from my business account on my card. Unknown to me, Cardmember Services tried to verify the account the payment came from, which was XXXX. Since they couldn't verify it, they closed my account. I called on XX/XX/23 to inquire about my account and was instructed to fax over bank statements corresponding to the payment. I did so and checked back over a week later and was told they never received them. When I mentioned to the rep I spoke with that it was a business account I paid from, she instructed me to fax over a different set of documents, which I did. When I followed back up, and finally got a supervisor on the line, she said there was no point in sending in the documents because my account had been closed since XXXX. She then told me it was my fault for not contacting them sooner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was scammed by a fake XXXX XXXX company late XXXX. I called US Bank to dispute the charge but they denied me after not receiving a letter in the mail. I called a few days ago, reopened the case and had the letter resent but they charged me {$100.00} anyways sending me into a negative balance and unable to pay bills. Today I called and they hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: US Bank linked my brothers checking account to my mortgage account for payments. My name is the only one on that mortgage. This is a data breach. They never could explain how this happened or why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: US BANK I'VE HAD 3 ACCOUNTS ALL ENDING IN ACCOUNTS WERE COMPERMIZED ... MONEY DIDSAPPEATED... UNEXPECTLY AND UNKOWING OF CREDIT CARDS MONEY WIRES AND. MONEY GONE IN FRONT OF MY EYES..I KNOW I DON'T HAVE GOOD CREDIT BUT US BANK HAS CREDIT CARDS AND LOANS AND BUYING CARS ETC. I NEVER EVERY KNEW I HAD .. AS I SEE WHERE MY SSI CHECKS DEPOSITED INTO MY ACCOUNT DISSAPPEARED SEE FAST ARE I GOT IT... SO.. BESIDES MY 3 COMPERMIZED ACCOUNTS TOTALING {$45000.00}. Closed my account for no reason Unexpected credit card and others a total of {$19000.00}. Ya so I'm hurting.. And they don't care ....!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was supposed to receive a response from US Bank to my previous complaint ( XXXX ), which you closed. I have not received any response from them. However, I received another statement on the account that was fraudulently opened and which they refuse to close. I would like to know why they are refusing to close this account, which I have advised them was fraudulently opened under my name/address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act U.S. Bank has violated my rights. 15 U.S. Code 1681 section 602A States I have the right to privacy. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the opportunity before reporting to not have the information disclosed to XXXX and was not given an explanation of how I can exercise the non disclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My business account was closed and they want let me open another account. I was never contacted on what exactly the problem was with the account for it to be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: US Bank Customer Service XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Urgent Complaint Regarding the Closure of Credit Card Account XXXX XXXX XXXX XXXX and Unresolved Trip Reservation Refund Dear US Bank Customer Service, I am writing to express my extreme dissatisfaction and frustration with US Bank 's handling of my credit card account, which bears the number XXXX XXXX XXXX XXXX, and a recent trip reservation made through the US Bank XXXX XXXX XXXX on XX/XX/2023. The events leading up to this complaint have left me in a distressing situation, and I feel compelled to bring this matter to your immediate attention. On XX/XX/XXXX, I used my US Bank credit card to make a reservation at the XXXX XXXX XXXX in XXXXXXXX XXXX through the US Bank XXXX XXXX XXXX. The details of my reservation are as follows : Trip ID : XXXX Confirmation Number : XXXX Total Amount Charged : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Unfortunately , my US Bank credit card was unexpectedly closed on XX/XX/XXXX, which left me in a precarious situation. I promptly contacted US Bank to cancel the reservation due to the credit card closure. After numerous calls and hours spent on hold, I was assured by US Bank representatives on XX/XX/XXXX that the reservation had been successfully canceled, and a refund check for the full amount of {$11000.00} had been processed and sent out on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received the promised refund check. This delay is unacceptable and has caused me severe financial hardship. Furthermore, my credit card statement is due on XX/XX/XXXX, and I have neither received the hotel room nor the refund I am owed. My attempts to seek resolution through US Bank 's customer service and the XXXX XXXX XXXX have been incredibly frustrating. I have been consistently passed back and forth between these XXXX departments, with neither willing to take responsibility for resolving my issue. This lack of coordination and accountability is unacceptable, and it reflects poorly on the level of service US Bank provides to its customers. I have several pressing concerns that demand immediate attention : Failure to Receive Services : I have not received the hotel room for which I was charged, and I am unwilling to pay for a service I did not receive. Undelivered Refund : I have yet to receive the refund check of {$11000.00} that I was promised on XX/XX/XXXX. Poor Customer Service : US Bank 's inability to resolve this issue, coupled with the continuous transfer between departments, has been a source of immense frustration and inconvenience. I am left with no choice but to request the immediate processing of the {$11000.00} refund to my US Bank credit card account. This refund is essential to rectify the financial burden caused by this incident. I expect this matter to be resolved without further delay. If my refund is not processed promptly and I do not receive a satisfactory response within [ a reasonable time frame, e.g., XXXX business days ] from the date of this letter, I will be left with no alternative but to pursue legal action in small claims court to recover the {$11000.00} that US Bank XXXX XXXX owes me. I implore US Bank to take swift and decisive action to rectify this situation and to restore my faith in your institution 's commitment to customer satisfaction. You may contact me at XXXX XXXX XXXX or XXXX provide updates on the resolution of this matter or to request any further information required for its speedy resolution. I look forward to a prompt and satisfactory resolution to this issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my U.S. Bank mortgage was current. I was not required to make any payments during the forbearance period. On XX/XX/XXXX, I submitted a completed loss mitigation application. On XX/XX/XXXX, my XXXX credit score was XXXX. On XX/XX/XXXX, I received a certified letter from U.S. Bank regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, U.S. Bank must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report. Approximately on or about XX/XX/XXXX, I received notification that U.S. Bank reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. In XX/XX/XXXX, I requested a credit correction from U.S. Bank asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, XXXX, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. On XX/XX/XXXX, I received a letter from U.S. Banks Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by U.S. Bank to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. Based on the facts U.S. Banks determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. U.S. Bank can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. U.S. Bank also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A