Date Received: 2023-09-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I tried to log in to my account to make a payment. But, despite using the same User ID and same password I have used multiple times as recently as a month ago, USBank repeatedly posted a message that my User ID / Password was invalid. When it prompted me to provide further information to access my account, USBank account, the message stated the account was invalid or non-existing. I CAN NOT ACCESS MY ACCOUNT. I believe that USBank intentionally blocked my access because a few weeks earlier I sent a letter to its CEO XXXX XXXX complaining about poor service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: U SBank has closed a cash reserve account for no reason on the account ending in XXXX. The account was a back up of {$500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a trucking business and for the second time a hold has been placed on account. This is ruining my business as driver is unable to purchase fuel to continue driving. There are plenty of funds on account to cover purchases and there is no reason for hold to be placed on account. I am told that hold is possibly being placed because this is a new account. This account is over 4 months old. I am told when I call that hold will be released but it will take 24 hours for hold to release. This is unacceptable as driver needs to purchase fuel immediately to continue to operate. He also has to sleep in the truck because he can't use card until hold is released. I am told by credit card supervisor that hold can't be released sooner as system is automated. This is costing my company money and ruining our reputation when loads can't be delivered on time. Money is removed from my bank account when payments are made but not credited to my credit card or at least not made available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77340
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I open a U.S Bank account and made a deposit back in 2020. My name was ran and the account was open. A week later I was inform I had a bad account on my XXXX XXXX report, so m account was closed and all monies was refunded. This was not my fault it was the bank inaccuracies of checking their system when opening the account up. I request that they fix this issue and indicate that this account is in good standing. There is no balance owed at all. I request that U, S Bank resolved and fix the issue so that I can open up a bank account. Please have them removed an negative rating which has affected my chances to open up a checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46804
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: 2023-09-22
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: It was a forced ach adjustment and then they took it out of my account XXXX and they werent truthful about the amount that went in XXXX and when I called they either escalate the call or just transfer without knowledge or who they transfer me to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94583
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have a XXXX Credit Card under my business XXXX XXXX through U.S. Bank. Starting on XXXX continuing through at least XX/XX/XXXX my credit card was somehow used fraudulently to make a lot of purchases. I believe my card was stolen. It's possible I just lost it and someone found it and then used it, but either way that's stealing my card. The following transactions were the transactions made during this time : XX/XX/XXXX purchase XXXX XXXX {$24.00} XXXX purchase XXXX XXXX {$20.00} XX/XX/XXXX purchase XXXX XXXX {$20.00} XXXX purchase Target {$250.00} XX/XX/XXXX purchase Target {$250.00} XX/XX/XXXX purchase XXXX XXXX {$500.00} XX/XX/XXXX purchase G XXXX XXXX {$190.00} XXXX purchase XXXX! {$98.00} XXXX purchase XXXX XXXX {$800.00} XXXX purchase Staples {$500.00} XXXX purchase XXXX XXXX {$100.00} XXXX purchase XXXX Point Steamers {$110.00} All of these transactions are FRAUD. I reported it to my bank U.S. Bank like you are supposed to if something like this happens. They initially credited the money back to my account, but then immediately reversed those credits the following day... I called and told them that it's fraud, and they must be making some mistake. I have done my part contacting them several times. I told them the situation and don't understand why they are putting these charges back on my account and telling me to pay them... I won't be paying these charges as they are FRAUD. Either way you slice it. I would like for the CFPB to reach out to U.S. Bank on my behalf and try to recover these funds before I have to sue them. Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My mom died in 2004. My so called Sister in law pays me in a check for what? I do not know! The bank placed a hold on it. I need to get a copy of that check and determine what I was actually given from bank. I think XXXX XXXX write a check from her old XXXX account and burned me for the rest. She really XXXX XXXX the estate of my late parents. I am going to call bank and go down there to get copies. It still haunts me. I feel I got XXXX XXXX of Life Estate transaction after death occurred. I should have got a POD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX credit cards were closed due to method of payments. XXXX XXXXrepresentative for Elan services accepted payment for both credit cards, both were authorized by me on Monday XX/XX/2023. XXXX stated that the payments could not be with a personal credit card. XXXX recommended to use a business account for payment for purchases made on Friday XX/XX/XXXX. Payment was made by phone and authorized by XXXX XXXX On XX/XX/2023, I received letter from Elan services closing both accounts ending in XXXX and XXXX. On Wednesday XX/XX/2023, I spoke with manager XXXX XXXX at XXXX requesting that accounts be re-opened, but she refused and asked me to file complaint with the office of the president. XXXX XXXX confirmed that there no disclosures on the credit statements that explain the methods of payment that could be used or that payments can not be made with a business account. There are no disclosers on credit card statement that are specific to the reasons why Elan Services can close an account at any time to their discretion. XXXX XXXX confirmed that there was no call made to me about the decision, reasons to close account or to verify with me all transactions in order for me to clarify situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: US Bank advertisement opening an account and making direct deposits would qualify for a {$300.00} dollar bonus. I opened the account in XX/XX/1923. I made the required deposits. I contacted the bank two times about the credit. Both times they told me they would look into it and get back to me. I still havent received a reply. That is the reason for my complaint. False advertising scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my paychecks on XX/XX/XXXX, as usual at the bank. On XX/XX/XXXX they returned several items and still had a hold on my funds. When I called I was transferred to the fraud department where a supervisor named XXXX said the hold was placed per regulation CC and could take XXXX business days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95677
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A