Date Received: 2023-09-02
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: My U.S. Bank credit card was charge {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. I approved both of these charges through XXXX XXXX XXXX purchasing online for a total of {$500.00}. Then on XX/XX/2023, my credit card was again charged {$360.00} as a fraudulent/duplicate charge. I called U.S. Bank right away and started a fraud claim since I didn't not approve a 3rd charge and did not make another purchase besides the original 2 purchases. U.S. Bank started the fraud claim and gave me a provisional refund of {$360.00}. XXXX XXXX XXXX does not show any 3rd transaction or duplicate transaction of any kind from XX/XX/2023 in the amount of {$360.00}. XXXXXXXX XXXX XXXXXXXX only sees the first 2 transactions that I purchased and approved of {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. XXXX XXXX XXXXXXXX does not see any transactions on XX/XX/2023 for the additional {$360.00} in their system per the XXXXXXXX XXXX XXXXXXXX customer service team member on the phone. U.S. Bank provided me with the signatures from the product delivery for the XX/XX/2023 and XX/XX/2023 transactions, but did not provide me any documentation for the {$360.00} charge on XX/XX/2023. U.S. Bank also did not provide transaction information that was readable when I requested a copy of their findings be emailed to me. XXXXXXXX XXXX XXXXXXXX states that since they couldn't find the delivery confirmation for one set of flowers, XXXXXXXX XXXX XXXXXXXX credited me {$260.00} from the original charge of {$360.00} on XX/XX/2023. U.S. Bank took this as a partial credit towards the XX/XX/2023 charge, and then U.S. Bank charged me again the {$260.00} on XX/XX/2023, even though the XXXX XXXX XXXX credit XXXX XXXX XXXX was refunding on the original purchase and payment made on XX/XX/2023 and not the 3rd fraudulent/duplicate charge on XX/XX/2023 since XXXX XXXX XXXX has no transaction on their side of the 3rd charge on XX/XX/2023. I have talked with numerous U.S Bank employees on the phone regarding this issue and asking that the fraudulent/duplicate charge be removed since I did not purchase anything for the 3rd charge and I did not approve that charge. I have also tried to explain to several U.S. Bank employees that the credit from XXXXXXXX XXXX XXXX was intended by XXXXXXXX XXXX XXXXXXXX to be credited to the original purchase on XX/XX/2023 and not the fraudulent/duplicate charge on XX/XX/2023. The U.S. Bank Visa credit card team member manager XXXX screamed at me on the phone and stated I must write or fax the Office of the President to be able to speak to her boss regarding this situation.
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: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking account 4 to 5 months ago and had $ XXXX in the account. A {$17000.00} wire transfer was sent and deposited in the account 18 days ago ( XXXX XX/XX/XXXX ). On XX/XX/XXXX I received a letter stating the account was closed with no reason given. I was also cutoff from seeing the status of my account online. That same day I delivered a letter to the manager of my local bank stating that over {$20000.00} of funds I needed to subsist on were being unjustly withheld and that the {$20.00} charge for the wire transfer was unfair since, due to unjustified impounding funds, I received no benefit. Numerous phone calls to customer service yielded no useful information. The local manager had no explanations, stated that my account had a XXXX balance, and promised to forward my letter to higher management.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: I just want to start off this complaint just reiterating that this is a complaint against ELAVON in conjunction with US Bank. There was a promotion that was offered to me that was not fulfilled. I am writing to you on the behalf of a recent Complaint I filed against US Bank via CFPB regarding my issue with a promotion when opening a new bank account back in XX/XX/2023. I had signed up originally for a US Bank Silver Business Checking Account with XXXX XXXX Checking + Merchant Offer with code : XXXX. This offer was explicitly advertised by US Bank and I was walked through setting up my account with a XXXX of US Bank where he verified every single painstaking detail question I had in order to qualify for both promotions as part of this offer. The promotion entitled me to a {$500.00} bonus after 60 days depositing and maintaining a {$3000.00} balance, and this part of the promotion DID get deposited into my account on XX/XX/2023. So, that part of the promotion did successfully get to me. However, the second part of this promotion entitled me to a {$600.00} bonus on top for opening a Payment Processing Account through Elavon and making a transaction of at least {$50.00} deposited into the same Silver Checking Account. This I did not receive and US Bank responded to my complaint claiming that there was no {$600.00} promotion for this. Wellthere was and there is and I specifically signed up for US Banks accounts with this in mind because I was making a business decision and trying to choose a new payment processing solution anyway. US Bank claims to not know of the promotion, but is attached to this complaint and this version of it was actually sent to me by an agent explaining that according to records I DO qualify for the bonus and it should be deposited into my account. It has not been.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Significant fees were charged on a number of different dates while account was low. I had money in one of the other accounts I have with the bank and I'm usually given a short grace period to transfer funds. Not on this occasion. When I spoke to the rep on XX/XX/30, she said that i had funded the account within the grace period, but another ACH hit the account so that makes the account eligible for all the previous fees. I asked why that wouldn't restart the grace period clock for the ACH and she replied that it would. I challenged her on the circle talk and she got defensive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have just been released from XXXX XXXX ( U.S. Department of Federal Prisons ) on XXXXBeen in since XXXX, when i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53546
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I called US Bank several months before I suspected I would be having a seasonal hardship and asked them what my options were before we had any potential delinquency. They recommended that we utilize the XXXX loan modification. They instructed us to not make any mortgage payments for 6 months and then the XXXX loan modification would take over, we would receive a loan from the government and our home would be refinanced. They did not disclose that this would come at the cost of them reporting delinquency and an initiation to foreclosure. We sold our home in XXXX and have been renting. We just applied for a home loan and discovered all of this for the first time. I called USBank and asked them to remove those remarks. They would not. We can't get a loan and we are currently homeless as a result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I requested my loan payoff because i was selling my home. I have just come out of chapter XXXX. When i got the loan payoff the title company had an extra XXXX dollars that was sent from US bank to title and not me saying I owed that amount. When I checked to see how they came up with the amount when I only did a forbearance for XXXX months. They started to say, it was interest fees, escrow and other fees, my mortgage was only XXXX dollars at the time of forbearance, I requested a copy of that breakdown as was denied. Us Bank representative said its only for underwriting and they can only tell me but not give it to me in writing. Some of those fees i believe came from my XXXX XXXX which my judgement is satisfied... The agreement was verbally that US bank would piu the XXXX mortgages at the end of the loan and i would pay it off when the house is paid off or when it is sold. It just so happened that i was selling the house in 9 months. I believe that some transactions occurred that are against regulations. the account number is XXXX. I did the forbearance after my chapter XXXX in XX/XX/2022. I have struggled with US Bank trying to take my home for XXXX years. Not sure why they tacked on all this interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55430
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After contacting the IRS office and IRS Identity Theft Fraud Department, I came to the conclusion that I have been scammed and defrauded for the two cashier checks issued at your branch for {$39000.00} and {$42000.00} on XX/XX/XXXX and XXXX XXXX, respectively and the wires {$4900.00} and {$9100.00} sent from US Bank with the aid of inside help at US Bank.. On XX/XX/2023 my wallet was lost with my credit cards and driving license while traveling outside the US. Then, on XX/XX/XXXX I received an email from XXXX that there was a charge of {$800.00} submitted to XXXX as my US bank credit card was linked to XXXX, then, called XXXX immediately and I was transferred to someone at the US Bank who asked all kind of questions, and then advised me that an IRS agent ( XXXX XXXX ID ) would need to talk to me to report the fraud happened into my bank accounts. The IRS agent asked not to talk to anyone and mentioned the IRS to anyone at US Bank. Then he got remote access to my US bank account and wired {$4900.00} and {$9100.00} out of my account to an IRS server with private names ( US bank should have a record of those two wires ) to a safeguard IRS account. After the IRS agent got access to my US Bank accounts he tried to send wires several times and used a XXXX account to send money from two US Bank Branches in XXXX XXXX and XXXX, that is when the US Bank fraud department blocked my accounts. I was threatened that if I mentioned that this money, {$110.00} XXXX, was requested by the IRS, to the US Bank, the IRS would freeze all my accounts for a long time at US Bank and elsewhere. Obviously, without any experience I believed it. Please note this scammer IRS agent got inside help in he US Bank, as my investment fund of {$110.00} XXXX was liquidated without my authorization and knowledge and transferred to my checking account XXXX before was closed, even cash advance of {$6800.00} was transferred from my US Bank credit card and wire limit per day was increased without my request, and my authorization or consent, Thereafter, I requested that the US Bank to ; ( 1 ) stop and dishonor these two cashier checks on XX/XX/XXXX and US Bank refused and negotiated cashier checks on XX/XX/2023, and ( 2 ) recover the two wires of {$4900.00} and {$9100.00}, and ( 3 ) Reverse unauthorized cash advance of {$6800.00} on my credit card, and refused, and ( 4 ) Stop unauthorized use my overdraft protection, and they refused, ( 5 ) investigate who provided the inside help in the US Bank to this IRS agent scammer. ( 6 ) Reverse the illegal liquidation of my investment account of {$110.00} XXXX and refused. Then, US Bank froze my access by online, phone or at branches to all my accounts for 6 months and kept charging interest on my cash advance and refused to pay interest on unauthorized liquidated investment, saving accounts and checking account. Now the US Bank is harassing me daily calling me to make payments on credit card, interests on overdraft. The US Bank has a responsibility to protect client 's money and the aforementioned happened under their watch and negligence. The US bank supposed to protect the consumer but they failed.
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: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Earlier this month I filed complaint XXXX related to a US Bank employee committing criminal fraud against me. US Bank did not address any of my complaints in their response ( not even an unsatisfactory response, but outright evaded them ). I have since been trying to get documents from the bank, namely a banker - XXXX XXXX or his predecessor in XXXX XXXX, MO - illegally/criminally allowing ( XXXX ) XXXX XXXX to add himself to my account without my knowledge, consent, or be being present for any notarization process. On XX/XX/XXXX I walked in, in person to the US Bank branch ( XXXX XXXX XXXX, XXXX ) to schedule an appointment with a banker to get these documents. I was scheduled with XXXX ( sp? ) at XXXX on Monday, XX/XX/XXXX. When I arrived for the appointment the branch was closed ( computer issues ). I called XXXX later than day at XXXX, left a voice mail- I have still not gotten a call back. I returned to the branch on XX/XX/XXXX, they informed their system was still down, but allowed me to leave a note to be called back to reschedule as soon as their phones were working. I have not yet gotten a call ; I called a few minutes ago, XX/XX/XXXX, and a banker answered ( their phone lines are working ). In the meantime, I scheduled an appointment with another branch ( XXXX XXXX XXXX XXXX, XXXX ) for XXXX this morning. I arrived a few minutes early ; the security guard demanded my dog wear a vest ( meets ADA definition of service dog ), which is blatantly contrary to the ADA of 1990/disability discrimination. To appease drama, I went back to the car to get my dog 's vest and returned - I pulled up the Service Dog FAQ on ada.gov to show the guard her request was blatantly illegal per federal law ; she refused to read it, so I read it to her. I then met the banker I had an appointment with, XXXX. She took my information and said she would call me back today or tomorrow, but first needs to contact their legal team ( to provide me witht documents to MY OWN account that I have spent now nearly a month requesting, via complaint her, via email, and in person at 2 branches ). Just documents ... thats all. Apparently I am not allowed access to documents associated with my own account ; specifically it seems US Bank might be willfully trying to keep these documents from me, knowing that they were fraudulent and will show criminal fraud on behalf of their banker. I assume this to be a comedy of errors, rather than a blatant attempt to collude and cover up the fraud US Bank ( not a third party I'm contesting - US Bank itself ) has already committed against me and potential related theft. I will need these documents immediately - not " ASAP '', rather as soon as a US Bank representative reads this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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: US Bank owes me a refund of {$3500.00} from VISA transaction ID XXXX but no one at the corporation will search for My Missing Money, find out where it was mis-applied or mis-appropriated, and return the money to me. Details of my complaint are specified in CFPB Case XXXX which seeks to find or locate My Missing Money. XXXX response to my complaint states On XX/XX/2021, the Seller issued a refund of {$3500.00} ( Refund ) for the Payment, which was credited to your Credit Card that same day. It is important to note that most refunds will appear within five business days. However, refunds can take up to 30 days depending on your financial institution. I have never received this refund to my credit card from US Bank. Individuals at US Bank that I have talked to maintain that US Bank did not receive the refund. I believe US Bank, in an effort to provide quality customer service to a XXXX year loyal customer, should be working with the gateway provider XXXX to determine where My Missing Money is. Other individuals at US Bank that I have talked to maintain that because I did not file a Bill in dispute notice within 60 days as per the Fair Credit Billing Act, that I am not entitled to my refund. This purchase occurred when I was doing a home remodel during Covid, and, like everything else in the world, nothing proceeded easily, normally or smoothly. Because of the pandemic, renters were offered protections through the CARES Act, home owners were offered Mortgage Relief, students were given Student Loan Relief, and many exceptions were made to standard rules, laws, and operating procedures. I believe I am justified in asking for an exception to the timing of the XXXX. After all, this is MY money that was refunded ; nobody else has a right to the refund of {$3500.00}. I look forward to reaching the following resolution : US Bank traces VISA transaction ID XXXX for the misapplied or misappropriated funds and returns the money to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A