Date Received: 2023-09-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I notified US Bank that a transfer of {$11000.00} was not authorized by me on XX/XX/XXXX. A claim was filed by US Bank, and I received a letter dates XX/XX/XXXX that the claim was denied. I requested the documents, which they mailed to me. I made calls to US Bank XXXX XXXX department to assist me in getting my money back. I made many phone calls to US Bank to dispute that this transfer was authorized by me. I called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. Each time I called US Bank told me to call XXXX XXXX, as an account had been opened in my name at this bank, and this is identity theft and XXXX XXXX is responsible for returning the {$11000.00} to me. I made several calls to XXXX XXXX and they informed me that US Bank had filed the claim incorrectly, and therefore they are not responsible for returning the money to me. On XX/XX/XXXX I called US Bank fraud liaison and told them the claim was filed incorrectly, they told me they submitted the claim correctly. I received a letter stating they received the claim and I sent back another affidavit. I called back a week later to check on the status, and they stated they did not hear back from XXXX XXXX, and XXXX XXXX still had business days to respond. I never heard back, and called back again. I was told the claim was denied, and I would have to get the money bank from XXXX XXXX. When I called them on XX/XX/XXXX they stated they did not receive the the XX/XX/XXXX claim from US XXXX, so they could not refund the money. They stated if US Bank could prove the claim was submitted, they could review. They stated that 60 days had passed and it was too late to submit a claim. They stated US Bank would have to refund the money. I called US Bank again, to see if they would send the XX/XX/XXXX claim to XXXX XXXX. They stated they would not, they submitted the claim correctly. The identity theft was at XXXX XXXX, amnd I would have to contact them again, as they needed to submit the claim for identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: XXXXX
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Update re funds from closed Checking account ending in XXXX. This account had an Outstanding balance upwards of {$500.00} prior to closing. The {$200.00} from checking account ending in XXXX ( se formal complaint # XXXX ) was applied to the debt involving former checking account XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have 2 fraudulent inquires with XXXX XXXXXXXX XXXX and U.S BANK that are reporting to my credit profile. I believe I am a victim of identity theft. On XX/XX/XXXX XXXX XXXX someone applied for two credit cards in my name that I did not authorize. To be clear those inquires are with XXXX XXXX and U.S BANK. I know for a fact it is fraudulent because the information attached to the inquiry is incorrect. The address and the phone number are both incorrect!! This is negatively affecting my credit score because I am trying to get a new car and new house and banks see these new fraudulent inquiries reporting to my credit profile which can get me denied. I need these fraudulent inquires removed immediately. It is illegal to report false information to my credit report!! Please contact me back as soon as possible with these inquiries removed off my credit report!! Thank you!! My email is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: As stated earlier I went to US Bank to see why my social security check had not been received.The teller checked and told me she did not see a direct deposit today from social security. I left the bank and went to the local social security office. The person who assisted me ran a print out that verified with a trace # XXXX that showed that the bank and received the check and it had been processed. I went back to the bank and asked to speak with a banker and someone came out to assist me After speaking with a banker I was told that a hard hold was put on my account because I filed a XXXX XXXX. I have a debit card with US Bank located at XXXX XXXX XXXX XXXX, XXXX, Wisconsin, not a credit card. I am trying to find out why would it be necessary to put a hard hold on my account. I am the owner of that checking account. This too can be verified. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53214
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX consumer report reflects 28 different charge off dates with Elan Financial Service. Elan Financial Service is reporting on several different dates as charge off dates when it should only reflect 1 charge off date or XXXX is reporting this false and inaccurate information in my credit report. My XXXX report also states that Elan Financial has written off this debt per my XXXX report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if Elan Financial has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XXXX and it does not have anything from or for Elan Financial Service . Either way this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
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: 2023-09-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Hi. I was a victim of an armed robbery and assault on XX/XX/XXXX. The incident followed a series of fraud in using my credit cards and accounts, including my US Bank cards. I received a text notification the same day ( screenshot attached ) of a fraud attempt. A police report has been filed and a detective was assigned. The case has since been closed despite my efforts compiling information, so I am trying to reopen then case with your assistance in gathering additional transactional information. A few days after the incident, I had called US Bank and was able to gather the following information on a transaction from one of my cards : XXXX XXXX XXXX XXXX, Merchant Number : XXXX. The detective was able to get in contact with the vendor to review camera footage, but not much has come out of that. I did email the fraud team ( XXXX ) this XXXX XXXX, XXXX regarding a request for additional information, but have not received a response since. In a related complaint with another credit card company, I also received a text notification and requested transaction information. In doing that, I was able to uncover a number of additional transactions that did not appear on my statements. So, I am hoping I can request all credit card transactions from XX/XX/XXXX and shortly after, especially if there were transactions that did not appear on my statements. I've also included an FTC report with information on the person who was with me. The listed address in that document matched a transaction on my other credit card transaction report, so this information is likely to reappear should US Bank have additional transactional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90230
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a savings account with State Farm insurance to take advantage of a high interest savings account they had. Some time after US bank purchased these accounts. Us bank then sends a notice that they will start charging a fee for these accounts, when I called the agent confirmed that this notice didnt apply to me. Randomly i would get charged a {$10.00} maintenance fee and i would call and they would remove it. I do not use this account so do not check every month. I check in XXXX and saw 5 months of maintenance fees ( XXXX, XXXX, XXXX, XXXX, XXXX ) were charged, I called In XXXX and she said she would waive them and apologized, which is what was always done. Every time i called they did their research and came back to inform me that they dont know why I was charged a fee and they apologized and refunded me. Well the agent only waived 3 months worth of fees, not the 5 months that was due to me. I attempted to move the funds out but they only allow you to move XXXX at a time and i can only take out {$200.00} at a time from the ATM. I checked the account this month and i have a fee again for XXXX. I called to have it waived and the agent XXXX told me she can only go back a certain number of days and could only refund me the one month that basically im not getting my money back. We are going back and forth and finally i get to a manager- XXXX . XXXX was rude the minute she joined the call and told me that the initial letter I received said i would be charged and that i was only given a grace period, I asked for proof that the letter stated this for which she said she had to do research. I asked her to review all of my call notes to show that each and every agent verified that i wasn't suppose to be charged a fee hence why they would waive it every time i called, she said she wasn't doing that. She said that my fee waiver is a courtesy and that i should just change my account. I then asked her why none of the agent suggested for me to change my account if i want to avoid the fee, she said she didn't know. I asked why wasn't a notice sent to me to notify me that my supposed grace period was up and that i would be charged a fee going forward to which she said, that the original letter sent years ago was suffice. i requested all my maintenance fees to be returned to me to which she said NO. She continued to just cut me off and I told her that she is being rude and cutting me off and that we should be respectful I told her to let me finish speaking and then she can go, we can take turns, why I need to tell a supervisor on a customer support line this basic human decency is another issue. She was not helpful to which i just closed my account. I would like to report there unethical practices of charging customers maintenance fees without any notification, they have no proof that i was ever notified of any maintenance fees to my account and refused to refund me. Since my account is closed I can not access my account to see all of my previous statements but i have some statements from earlier this year. I want to also state that i receive everything from them electronically, since the initial letter and I had no notices on my online portal from them, XXXX did confirm that I was not notified outside of the original notice which each agent confirmed did not apply to me and was sent to all customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a account with US bank and funded it by making a external transfer of {$10000.00}. Amount was deducted from my external bank on XX/XX/2023 but it never showed on my US bank account. After few days when I enquired, US bank simply refused to acknowledge any problem and told they never recieved the funds. When I asked my external bank, they provided me with ACH tracking number , trail confirmation that funds were released and transferred from their end. Then I had to log a complaint with US bank and dispute to solve this and then finally on XX/XX/2023, i.e. 13 days after the transfer credited my account. But they never told me any reason why this delay happened. I was under so much stress due to missing funds of such a amount and also missed various opportunity to invest, use funds for my business etc. On top of that, very poor customer service from US bank. They never responded to my queries, I visited branch 2 times and logged my complaint but no response. Called their call center number multiple times but again no response. All they said, we are not getting any answers why it took so long for funds to appear in your account. This is totally unacceptable. ACH transactions have 3-5 business days timeline to process and any delay beyond that is voilation of banking regulation and bank should be held accountable for that and compensate me for this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: on the day of XX/XX/XXXX i was having a verbal altercation with my ex girlfriend and I ended up being detained. I was XXXX for 7days in total. when I was released I had no access to my phone or banking because my phone was not in my possession when I got arrested. I came home and was able to log into my online banking and became aware of so many unauthorized transactions from the date of XX/XX/XXXX from to XX/XX/XXXX I immediately came into my bank branch located in XXXX, ca where I made my dispute claim to the branch manager XXXX XXXX fax # XXXX she assisted me the best of her abilities. the date of XX/XX/XXXX I received a call from XXXX XXXX from the department of bank fraud # XXXX she informed that I had to make it a civil matter because she didn't think it was fraud she asked me to reach out yo my ex girlfriend who I assumed who may have made the transactions on my account witch I did and found out that she had no involvement in my money being taking from me. I spoke to her and we came to the conclusion that she went involved and now I'm back to square one of trying to reimbursed my funds into my checking account please help me with this I would highly appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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 called the U.S. Bank for multiple times for a reversed charge of {$78.00} by XXXX on XX/XX/23 I previously disputed but without success. I was confirmed by the U.S. Bank on multiple occasions I was fully charged by XXXX, however, XXXX suspended my account and notified me I had to pay another {$78.00} because they never received my payment. On XX/XX/23, I talked to a representative called XXXX from the U.S. Bank with the call confirmation number XXXX regarding this matter and was told the U.S. Bank would send over a letter directly to XXXX confirming I was fully charged by XXXX already. Later on, I contacted XXXX and was told again they never received my payment of {$78.00}. On XX/XX/23, I called the U.S. Bank again and talked to ( 2 ) different supervisors from the U.S. Bank, XXXX ( I can't remember clearly ) and XXXX with my case number XXXX. They both confirmed the case processor from the U.S. Bank would give me a call on Monday XX/XX/23 between XXXX Eastern time to make sure they send the funds to XXXX, however, I never received a call from anyone from the U.S. Bank. So the U.S. Bank keep my money in their own pocket without sending it to XXXX for almost two months now since XX/XX/23 I got charged back as shown on the attached of my credit card account record. Due to the negligence and corruption of the U.S. Bank, I was the one suffering from the consequences of this unprocessed charge of {$78.00} I already paid in full. I am requesting for an investigation on the U.S. Bank because they are corrupt and did not treat their customer with honesty and respect. They didn't do their job and fulfill what they promised me their customer what they were going to do. They did not send me or XXXX the confirmation of my charge of {$78.00}. They did not process the payment of {$78.00}, which caused my XXXX account to be suspended and XXXX have kept asking me for a duplicate payment of {$78.00} since then.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A