Date Received: 2023-09-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had just payed rent XXXX first and had {$24.00} in my checking account. I got a fee for collecting a debt and they would have overdrawn my account if I had not already disabled overdraft payments. They charge {$100.00} fee. I closed my account, they should not have charged me at all as I had only {$24.00} and none of it would have ever gone to the debt collector. I was a former XXXX XXXX customer whose bank was acquired by US Bank. Do not use or trust US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an business checking account with US Bank on XX/XX/2023 and deposited {$16000.00}. They closed my account with my authorization on XX/XX/2023 and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license verify my address ( front/back ), social security card ( front/back ) and two billing statements from the XXXX XXXX ( XXXX XXXX XXXX XXXX that I initially requested to transfer the funds to US Bank. Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. I've sought help from my original bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. US Bank still has not even responded back to them to acknowledge they are even looking into it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX a victim of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: To whom this may concern. I need the assistance of your department. Im having issues with either US BANK or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! I was using XXXX XXXX as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted XXXX XXXX and was told that I have a thin file ( meaning I have no history ) and I need to contact the USBANK. Before I contacted US BNK I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to USBNK login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. Ive included pics of my credit history thru XXXX ( credit view ) via USBANK or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Our mortgage is held by US Bank. We accepted a forebarrence plan that would run from XX/XX/XXXX to XX/XX/XXXX. I had asked to extend it until XXXX of XXXX, but they said it ran out. So, we applied for and were accepted for a Deferral Agreement to add the amount of the forebarrence to the end of the loan. We signed everything and submitted all the documents they asked for. As of today, XX/XX/XXXX, on my online account it states that the process is 75 % complete and could take 85 days to complete. In the meantime, our payments would resume at the new amount beginning XX/XX/XXXX. Starting in XXXX in XXXX, we received letters in the mail that we were in default and they would be starting foreclosure proceedings. All the payments the are falsely considered late were included in the forebarrence and now in the Deferment agreement. Nothing has been reported and nothing appears on my online account about any foreclosure, just the mail. I made the XXXX, XXXX payment, but they sent back a check for {$17.00}, stating suspense, but it doesnt show where the remainder of the payment went or where it was applied. I also made the XXXX payment, and am now waiting to see if that either gets applied or returned. I have talked to several people at US Bank, but no one seems to have any answers. I also wrote letters to 2 US Bank departments and the Law Office mentioned in one of the letters, but have not received any replies. I need this resolved ASAP, before they think they can take my home. We did and sent and signed everything they asked and still ended up in this mess.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I lost access to my account funds as of Saturday XX/XX/23, and have received no way to remedy the situation since then. I have visited my local branch four times since this freeze of my account has occurred, and spoken to representatives via telephone at least a dozen times. Each person tells me a different version of events. It's unclear to me why this hold/freeze was imposed and when I can expect to have access to the funds in my account. To make things worse, at the time this all began, this was my only bank account. This is where I keep all of my money. I have XXXX Social Security checks ( XXXX for myself and XXXX for each of my XXXX children ) that are to be directly deposited into this account in Wednesday XX/XX/. Were I to change the accounts to which those checks are deposited, the change would not go into effect until XXXX. I am a recent widow with XXXX XXXX children and no access to my own money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a {$100.00} XXXX Debit card issued by U.S. Bank National Association from XXXX XXXX XXXX on XX/XX/2023 pursuant to a license from XXXX USA for a gift. As soon as my mom tried to use it, it did not work. I called the number on the card, and the agent indicated that they de-activated the card AFTER I purchased it since their records showed someone else had tried to check the balance of those numbers in XXXX before I ever touched the card as it was in a rack in the store at that time and I was not there. Apparently thieves take large card numbers and keep checking them to see if they have been activated so that they can drain them after someone else purchases them, while the purchaser doesn't know they have the number. The agent at US Bank National Association they said all I could do was send my driver 's license and pictures of the card to a fax number XXXX XXXX XXXX. I asked to verify that fax number or if there was an email or if I could speak to a supervisor, but the two agents did not accommodate the request. I XXXX that number, and many cases said that it was a scam. People have reported that the bank does that to get your personal information, and many people send that information and never get a new activated card. I have case numbers from my two calls to USB if needed. I asked if there was an email that I could send to verify that my information would be secure, and they said no. I really want my {$100.00} back! I called XXXX where I purchased it also, and they directed me back to the bank phone number on the card so I called the second time for the second case number that I can provide. If they can see that the card has been de-activated and no money has been used, why can't I just send them the card back with my mailing information or receive a digital card. Why do they need my government ID with no proof that they will protect my information? This is not my fault! I did nothing wrong. This should not be allowed as it has happened to many people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, I logged into the mobile app for my bank Desert XXXX XXXX XXXX. This app is password-protected and additionally has biometric data of my fingerprint and XXXX saved through my XXXXXXXX XXXX XXXX I applied for a XXXX credit card through the mobile app. These credit cards are issued by a partner bank, XXXX XXXX. Not only did I not receive any response from XXXXXXXX XXXX by email, telephone or U.S. postal service within 7-10 days as required by law, when I called cardmember services ( XXXX ) XXXX on XX/XX/XXXX to check on the status of my account, they claimed my identity was " unverified. '' They never sent me notice by email, telephone or XXXX postal service that there was an issue with my identity within XXXX days as required by law. They verified that they have my correct mailing address. They verified that they had my correct SSN and telephone number. They state that I have to FAX a copy of my driver 's license and Social Security card to them. As it is XXXX, I off course do not have a landline or fax machine. I am not going to the XXXX Store to FAX my driver 's license and SSN card to anyone! I properly provided those documents in-person to XXXX upon opening my checking and savings accounts with them in XXXX, and I applied to XXXX XXXX through XXXX XXXX secure mobile app. The idea that my identity is unverified is absurd. Furthermore, XXXX XXXX refused to furnish the name of the credit reporting agency that gave them the information that my identity is unverified. I believe this is yet another example of XXXX 's failed verification service. As I have an open CFPB claim against XXXX, their continued denial of my existence is retaliation and yet another violation of federal law by XXXX. Additionally as XXXX XXXX is failing to furnish me the name of the CRA that gave them negative credit information, XXXX XXXX is also breaking federal law. I have a legal right to know which CRA is furnishing negative credit information and a right to confront my accuser.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Redemption of an Unsurrendered Certificate of Deposit ( CD ) I am the personal representative of our mothers estate. We are asking the Consumer Financial Protection Bureau to assist us in bringing resolution of an issue that we have with US Bank in the redemption of an unsurrendered CD. On or around XX/XX/XXXX, I attempted to redeem a Certificate of Deposit ( CD ) that was purchased by our mother on XX/XX/XXXX, through Security First Bank. Security First Bank as been acquired by US Bank. The Certificate in our possession was not been endorsed or surrendered, and we have no record of that the CD of ever being surrendered. Due to its date of purchase US Bank did attempt to review their archive records. They stated their policy retention of their records did not go back that far ( seven years ), Their search of records did not did locate our mothers CD or any information regarding its surrender, or transfer to an electronic account. Because we have the original unsurrendered CD, we made repeated attempts to resolve the matter with US Bank. Our belief is that the original CD is proof that the CD was never surrendered, and it is the responsibility of US Bank to provide documentation that it has been surrendered, not ours. If there is no record, we expect US Bank to fulfill its obligation as the financial holder of the CD, and allow us to bring the CD to US Bank to redeem the CD, and payment of the value of the CD and any interest accrued. As the personal representative of our mothers estate, it is my responsibility to ensure all accounts have been properly closed out. US Bank told us that while there is not record of its surrender. They presume that the CD paper record at some time was converted to an electronic account. There is no record or documentation of this happening. There was nothing further that US Bank could do, and if leaving up to us to pursue if we wished. This is opinion, not documentation. If it has not been documented, it did not happen. Following our conversations with US Bank, we did attempt to locate records of the CD account being surrendered or closed through our mothers tax advisor, and the IRS. There were no records of the surrender though my mothers tax advisor. We never were able to get records from the IRS. As the personal representative of our mothers estate, we are asking for assistance in bringing resolution to the surrender of this CD. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55418
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card was cancelled due to a fraud complaint, and a new replacement card was issued. So far, so good .... The problem is that in less than two weeks, two merchants who had the OLD card number were permitted to charge to the NEW card WITHOUT my permission. In one case, the merchant never had permission to do recurring billing. In the second case, I had granted permission for recurring billing, but was having trouble canceling. In both cases, I anticipated that my trouble with the merchants would be fixed as a side effect of the fact that the card they were using was CANCELED. But this is not what happened. Instead, they were allowed to continue charging the NEW card. I asked the company to explain how this could happen, and they were evasive at best. They said they would " look into it, '' but this is an unsatisfactory response given that the NEW card was less than two weeks old. It feels as if there must be some unacknowledged " back channel '' way that new card information is shared to merchants who do repeat billing. I understand that in some situations this may seem like a convenience to customers, but the lack of transparency is disturbing, and may be causing a lot of unauthorized transactions completed without consumer awareness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A