Date Received: 2023-09-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX I had got a deposit of XXXX dollars from XXXX XXXX and us bank went into my account and deducted with out my consent and lost the funds with no proof as where the funds are they just stole the money out of my account.
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: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My two checking accounts, one savings account and one credit card all got closed with no prior notice or warning. Now I am being treated like a criminal, no one will talk to me ( except customer service, they transfer me, but no one ever picks up or calls back. ) I received letters dated XXXX but my accounts were cut off XX/XX/, and I did not receive the letters until long after all this action had already taken place. No one will tell me when my money will be released, and I also am charged a wire charge fee I have never been charged before for no reason, as I am conducting legal business with legitimate vendors, and should not have incurred an extra charge while my money has been frozen and unavailable to me for almost two weeks now with no projected date of return, and no discussion from the bank as far as the process of returning MY money they are holding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81007
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I found out someone open a new checking account with US BANK under my name. I called the bank and let them know my purse was lost with my information. My check book and my device. Whoever took my purse used my credit card and my personal checks to open this account. US BANK sent me this affidavit like a month ago, and I sent it back with all the information was required to filled up. So far I have not received any information but they are reporting me to XXXX. I already file a complaint with XXXX as well. I reported this to the credit bureau about identifying theft and they help me to have fraud alert.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been attempting to resolve this for nearly 8 months, I have spoken to branch managers, telephony support, XXXX XXXX and recovery department. I have been with US Bank for over a decade. This was a secondary accounts used by my son, I was actively working to resolve and the bank closed the account and sent my account to collections within a week and added a negative marking to XXXX XXXX. I have made several attempts to pay this balance and get the marking on XXXX XXXX removed. I have over a decade banking relationship with US Bank, and have not be treated as a long standing customer. There has been little attempt on the bank 's behalf to resolve this. This has been ongoing for 7 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Around Tuesday XX/XX/2023 I called Desert XXXX XXXX XXXX Credit Card service aka Cardmember Services aka Elan Financial Services to request my most recent statement. I am in a divorce process and it is critical that I receive the most up to date information about this account as it is to be closed and paid off. I originally spoke to " XXXX '' around XXXX who said she would put in a request to have this statement ( my most recent credit card statement ) email to me since she did not have the ability to email it ( lol ). She also said they could not express mail it to me either. I never heard back from her nor did I get a response from Elan Financial/Cardmember Services/Desert XXXX XXXX XXXX XXXX I had told her I was going to put in a complaint to the CFPB if I did not get this information. I have been unable to log into their website at cardmember services ( I used to be able to log in ) and I have received nothing in the mail from them even though I have lived here at my address for over 11 years with no other addresses or po box es ever. I never received *anything* after speaking with XXXX so I called in around Thursday XX/XX/2023 around XXXX and talked to a supervisor who said she would put in more requests to get this documentation to me. Its absolutely ridiculous that I can not log into their website ( we went through the process but they were unable to open up their system to let me log in ) or that they can not simply email this statement to me. This has huge implications as now my divorce proceedings are affected and if this account doesn't get paid off correctly I will have to consider further measures. Elan Financial/Cardmember Services has to be in violation of some kind of laws by refusing to get my credit card statement to me : they are charging me a high interest rate and making alot of money off me ( and all their other customers ). They certainly deserved to be sued at this point. This company has a 1 star XXXX rating so I do not think they are fit to do credit card business in the state of Arizona or anywhere else. I need my most recent credit card statement emailed to me immediately at XXXX AND express mailed to me at my current address which I know they have on file. I think they should be fined as well for having obscure business practices and refusing to send me information I need about my credit card account, namely the most recent monthly statement which is not available on their website and they are not sharing with me via regular mail email or any other means. Thank you. Found their confirmation number its XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: I am accusing US Bank customer XXXX XXXX XXXX being involved with fraud. US Bank has done nothing except give me the run around every time I call to try and get my money back. This money will fraudulently transferred to XXXX and I want all of it back. US Bank has done nothing to resolve my issue and hiding behind the fact I am not their customer when they can clearly see the transactions took place and I have provided them all the evidence showing them that their customer is involved with fraud. Now the government knows you will do nothing when someone has proof of your customer engaging in fraud. I am asking you ( US Bank ) to do the right thing and return all the money your customer was involved in stealing from me. I am writing to file a formal complaint regarding 5 fraudulent and unauthorized transfers from my bank account to US Bank account holder XXXX XXXX XXXX. These fraudulent transfers totaled {$150000.00}. All 5 fraudulent transactions were sent to XXXX XXXX XXXX account at US Bank ( Routing # XXXX Acct # XXXX ) and occurred on : XX/XX/2021 - {$18000.00} XX/XX/2021 - {$18000.00} XX/XX/2021 - {$56000.00} XXXX {$50000.00} XX/XX/2021 {$15000.00} This unauthorized and fraudulent activity has created a massive financial hardship and distress to both my family and myself. Enclosed in this complaint is a copy of the XXXX Report, FBI Report, XXXX Police Report, & the FTC Report which verify my claims. I am requesting a full refund plus applicable interest from US Bank due to this fraud. Names and account numbers will be furnished upon request. All of these transactions were unauthorized by XXXX XXXX. The transactions are as follows : XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$18000.00} From XXXX XXXX # XXXX to US Bank # XXXX XX/XX/2021 - {$56000.00} From XXXX XXXX # XXXX to US Bank # XXXX XXXX {$50000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX XX/XX/2021 {$15000.00} From XXXX XXXX XXXX XXXX to US Bank XXXX XXXX Supporting documentation for each transaction to US Bank can be provided upon request. Again, I am requesting all money be returned to me plus interest due to fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a pre-paid Mastercard gift card for my birthday. Right away I had trouble using this card. There was a balance on the card for XXXX. I was able to use one purchase at a fast-food chain ( XXXX XXXX XXXX ) for approximately {$24.00}. Soon after when I tried to use card again there were 2 fraudulent unauthorized purchases made at a XXXX store for approximately XXXX dollars that used all remaining balance. These cards are issued at Kroger stores affiliated with XXXXXXXX XXXX XXXX. The official issuing bank is US bank, and the gift card is prepaidgiftcardbalance.com. I have contacted the company and did research online in regard to these specific gift cards and it appears there are hundreds of consumer reviews complaining about same thing. I have a case number # XXXX however, every time I call to follow up, I feel nothing is done and says, " it is still being investigated. '' This card has since been cancelled and I was originally told once investigation is complete, I would be issued another card and balance refunded. However, based on all poor reviews do not have much faith in this company and would like to have assistance to help resolve issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: After being unable to complete a purchase with my US Bank 's debit card, I phoned US Bank to resolve the issue and was informed that the Bank had closed my accounts on XX/XX/2022. The customer service representative stated that our deposits would be returned to us as a cashier check mailed to our home. We did receive a cashier 's check in the amount of {$110.00} a week later but have yet to receive the deposit back from our US checking account ( the amount of {$1000.00} ). I have made multiple phone calls to US Bank and have received promises to send payment and still have not received satisfaction. As an elderly person on a fixed income, {$1000.00} to be taken away from my ability to pay my bills is a major hurdle to overcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74006
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had just received my final paycheck by mail from my place of employment and I attempted to deposit it to my US Bank account via mobile deposit but due to the amount of the check I wasnt able to because of daily transaction limits so I had to visit the branch. I deposited my check at the ATM on Saturday XX/XX/2023. On us bank website it states that deposits would be available within one to two business days not including weekends or holidays so I figured the wait wouldnt be that long. Initially they made the first {$220.00} of the check available to me and then it put my account into overdraft. Now I find out today that they have a placed a 7 day hold on my paycheck which I wasnt aware of I was assuming I would of have my funds available to me by now I have bills that are due and I need gas money for work I dont know what Im supposed to do I have tried to call and explain to them my circumstances and I even went in person and all I was told was there was nothing they could do and just wait it out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A