Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I logged into my online checking account to pay some bills. I noticed that there were two transactions that I had not been aware of -- a transfer of {$5000.00} on XX/XX/XXXX and another {$5000.00} transfer on XX/XX/XXXX. It was about XXXX and the bank branch was closed so I immediately called online banking to report the transactions as fraudulent and that I had not requested them. I am always very cautious with my credentials and have never had anything like this happen before. I have called the U.S. Bank Fraud center Ph. XXXX numerous times waiting on the phone line for extended periods of time prior to being connected with a representative. I also went into the Branch at XXXX XXXX XXXX, XXXX XXXX, IL to expedite resolution and open a new checking account since the original on had been closed. On XX/XX/XXXX I received the two attached letters stating that the transitions were posted as requested and that my claim was denied. I called the Fraud center and they said that the claim filed on 8/4 used the wrong from and they refiled both claims on XX/XX/XXXX. The XXXX claim was filed by telephone and I had nothing to do with choosing the form nor did I see the claim. I called the fraud center again today as I do about every day and was told that the claims refiled on XX/XX/XXXX were both denied but I have received nothing from the bank. Additionally, when I was speaking with people about the issue the week of XXXX, I learned my email address for account alerts was XXXX not Comcast.net and because of this I had not received and alerts of account activity. I did not request this change. If the bank had acted on this issued immediately after reported the incident it on XXXX it seems to me that it should have been simple to recover the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Account was closed for no reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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: Hello, on XX/XX/23 I had lost my wallet and all my belongings inside of it. Inside, contained 2 of my US Bank Cards. I had not realized I lost my wallet until the day after on XX/XX/23. I began to look for it and I realized the next day I would not be able to find my wallet. Then, I had filed a police report that my wallet was lost, but it was too late. Whoever had my wallet went and proceeded to spend close to {$40000.00} on my credit card. I was so upset at US Bank as I never received ANY verification texts or calls to ask if it was me! Also, I am so disappointed in the merchants involved as they did not ask for any ID checks to match with the card, if they took those steps this would not have happened! I called US Bank to dispute these charges and they began to " investigate ''. Their investigation in my eyes was very hostile towards me. I provided every single piece of documentation they requested with no hesitation whatsoever. I feel that the investigation was done unfairly and with bad faith as they were not trying to protect their customer. They conducted that their investigation concluded that they will be denying the dispute, when I asked if they can send me everything through mail or in writing somehow they would decline and that if I had any further issues pertaining to the matter to SEND A LETTER TO THE PRESIDENT OF THE US BANK which sounded like a slap in the face to me. The case managers involved, XXXX and XXXX were ZERO help and very unprofessional. Their numbers are ( XXXX ) XXXX & ( XXXX ) XXXX. I have left countless voicemails with no returned calls, they have left me no choice. Attached will be all the necessary documentation. Thank you so much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/23 I called US Bank to notify them I had lost 4 checks. The representative stopped payment on a check amount as opposed to closing my account per policy. They allowed a check to clear on XX/XX/23 for {$6500.00}. I called back in and started a process of fraud. They acknowledged the original representative did not follow procedure and said they would apply provisional credit for {$6500.00} while its investigated. Never received credit. I was evicted due to this issue and forced to live in my car with my children. A back office supervisor got involved and stated they would either credit my account, allow my to overdraw my account, or provide an interest free loan. None happened. I was homeless. Contacted US Bank almost daily since. Still no resolution after several broken promises. Still have not received credit for their error even after it was acknowledged. US Bank closed accounts and cancelled debit cards on several occasions, without notification and left me with no access to my funds. Im told constantly to be patient and the longest it would take is 90 days per policy. Past 90 days. No resolution. No further help. Hung up on XXXX times since XXXX. I need help. I have documented all correspondence with US Bank since they allowed my check to clear. This acknowledged error by US Bank has caused financial devastation and severe health problems from stress by broken promises and negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: They froze my accounts because they suspected fraud. I did not knowingly commit fraud. US Bank did not contact me before they froze my accounts. I could not pay any bills. I could not purchase any medications that I needed. I am a XXXX and I XXXX from XXXX XXXX XXXX. I could not pay bills and as a result I was charged late fees because of the bank. I called and asked for my money several times. They froze my accounts ( 3 total business acct, personal checking acct, and a savings account ) on XXXX, XX/XX/2023 and nothing has been done to help me. I explained to the bank representatives that I was on a fixed income ( retired teacher ) and that I needed my money. I just need them to give my money back to me. The US Bank has sent me letters referencing this issue. Someone wired me {$84000.00}. I did not realize at first that it was part of a debt owed to me. I told them to send it back. I wrote a letter asking that the {$84000.00} be returned to me. It was put in my business account. They have not returned this money to me. Since they froze my accounts, I can not access them at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hey i been Banking with US bank for some months and this been around XX/XX/2023 and i been getting money i worked for threw that account so they seen the money i worked for coming in on the regular now they want to close it because im a hard-working person and i get money come in legitimate way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have had issues with my banking accounts being compromised. I have addressed this and reported it to the credit reporting agencies. On XX/XX/2023, I received a letter from US Bank about an overdrawn account. I have no account with them, so I called to explain that this account is fraudulent and needs to be closed. " XXXX '' working out of XXXX refused to close the account because I do not have the account number ( the notice I received only says " Account Number ending in XXXX '' ) and I would not give my social security number -- which I think they have no right to request since this is a fraudulent account. He claimed he could not access the account with my name and the address associated with it. Despite knowing that the account is fraudulent, he refused to close it. Please feel free to publish this account and let other people know that US Bank knowingly facilitates fraudulent activity.
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: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: US Bank closed my account 2 months ago. Had to do with a bad check and it was never deposited. I just want the remaining funds in my account which after two months they haven't released. They said they are concerned about {$3200.00} XXXX cashier 's checks ( about {$2400.00} currently in US Dollars ) and said it could be recalled up to a year. My response was fine, so release the rest of the funds. They won't so I'm filing a complaint. My name on the account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My US Bank XX/XX/2023 statement balance was {$620.00}. I paid {$620.00} ( XXXX cents short ) prior to closing. I was charged {$8.00} interest. I called Customer Service and they said it requires supervisor approval b/c I paid XXXX cents short. This is a predatory lending practice. Bear in mind, their app does not ever show the remaining statement balance if you pay partial payments each month, so you're left to figure out that balance on your own. Many creditors like XXXX and XXXX show me what I have left each month so I don't make a XXXX cent error. I'm left with no choice but to believe that US Bank deliberately hides the remaining statement balance so they can profit from additional interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX XX/XX/2023 cash advances against credit cards 3 devices 2 credit card and 1 cash reserve to bank account for a total of XXXX dollars. Contacted bank card fraud on XX/XX/2023 that I did not make these advances and they rejected my claim on XX/XX/2023. The credit card advances were XXXX and XXXX and the reserve trans action were charge of XXXX and XXXX plus additional fees and interest I closed the accounts and opened new accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A