Date Received: 2024-02-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This summary is an addendum to my resend previous complaint about US Bank and what is happening to my accounts there. They say they're doing some review of my accounts and I believe that was due to an attempt I tried to send money through XXXX. I believe that I have done nothing wrong or out of my rights to send money to those I choose to. And I believe I've done nothing wrong. I have called you a spank recently to find out the status of their review, the rep checked got back to me and said it's still under review but there's still hope she said. However all of my bank accounts with US Bank are frozen due to this review, and I'm afraid I'm going to be on the verge of financial room very soon. These accounts will not take any deposits such as from my retirement or pension which is coming up soon, and the bank has already retracted several payments that I had made to my XXXX small credit cards so that I can remain in good standing with them with my credit. Whoever because you spank has retracted my payments, I have no credit with these credit cards and it is in the negative with all three. I believe this is stemming from the conversation that I had with the bank couple of weeks ago because I could not get into the online banking app. I called the number and was directed to the department that checks on transactions, and I spoke to a young man there, who insisted that it looked like had done something wrong and sending a particular XXXX payment. The payment was not sent, and I believe it was because I did not put the last name of the person who I had designated to receive the XXXX payment on the form and that was optional. And so when I spoke to the young man, I felt that he had preconceived notions and that he is overreacting about possibly a fraud on Bank accounts, as I do know that is prevalent these days and they probably have to follow other rules that I didn't even know about. He said at the time that he was definitely going to close all my bank accounts but I would receive a cashier check of all my money that is currently in the bank. Whoever this was XXXX weeks ago, and this review is still going on with US Bank, and meanwhile I believe I'm trying to face financial ruin. The accounts will not accept my retirement from Social Security nor my pension, as it has already closed any possibility of other checks coming in to be deposited to my account such as from my dog insurance claim that was supposed to be refunded to me recently, and also the state of Minnesota rebate that I learned had been sent to the banks recently. I believe this is no way for the bank to treat a long time 40 year plus loyal customer, who's only trying to do the best thing for my own finances. and so I would expect the bank to wrap up their review quite soon so I can resume accessing my hard-earned money, and if they're not going to do that, then I certainly would like the bank to close all my accounts and refund all of the money that I have in the bank in a cashier check, hand delivered for my signature, so I will not lose it. This is what the young man had told me XXXX weeks ago. I can not bear this difficulty much longer, is my mortgage payment will be coming up very soon by the way I change that to a different mortgage company last year because was a better deal than what you spank had offered me. And so this is putting undue stress on my life, and I am very much worried about not being able to pay my obligations in the very near future. In addition XXXX years ago I was scammed by a fake Home improvement company, and the bank didn't do anything about it even though I'd requested their help. But they did send me copies of the checks that I signed, and said oh you signed them anyway didn't you? Unfortunately I was not able to go after those Home improvement scammers XXXX years ago because they had a fake business address. And so I could not Sue them, however I did find out in that case that they cashed to the checks on the XXXX district of New York city, and the other one at a shady check cashing business. And because these scammers 2 years ago had very strong Irish accents, I believe that they went back to their home country with their spoils, and that's what the city of XXXX also believes it happened to them too also XXXX years ago And so I'm hopeful that when I can get access to my funds again but I will be able to hire some lawyers to help me with this other subject scam that happened XXXX years ago. I really hope that cfbp can make sure that our good Banks do not scam us due to their nasty reps in their fraud department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been dealing with US bank since XXXX of XXXX is when it got bad of them locking me out of my account. They have told me XXXX different stories in 1 day including : the problem was on their end check back later afternoon, it could be a XXXX hour problem thing, and then that I'm locked out and it will be for XXXX hours and they can't tell me why. They told me it was because there were payments they needed to verify, and then in the next breath told me that there had only been XXXX since the time of the lock out that they already had me verify. When I pressed as to what else was needed to be verified they said I was right there wasn't any other payments but couldn't tell me what else. Even the local branch found this suspicious and decided to get involved and call for me the first time they investigated and asked questions, corporate hid things from then when they came asking on my behalf and also stated they saw nothing of concern that would cause a lockout and it was simply unfair and puzzling. The next morning they were finally able to get it unlocked and I was ale to get in for long enough to get a screen shot of my accounts and then was locked out again. I again went through many calls with different answers and was then told it was because my main email I changed back to was linked to when we had fallen victim to XXXX scams and it took us filing with I believe the CFPB or someone and over a year for them to refund the full amount. I had been using that email for many months so why now it was causing issues I don't think was the true reason as that never fixed the problem and it became weeks to a month of not being able to access my accounts online. I was accused several times over this whole ordeal of money laundering scams, although I was a victim in the XXXX scam and we had to fight over a year to have all of our money returned from the financial institution, they told me they started cases to fix the issues and next time I called and referred to this there was never any case started, the guy that was supposedly handling my case in the fraud department never would call me back I stopped trying to get a hold of him after the XXXX attempt, the last case number they gave me was never followed up on, and when I closed my accounts with them they never turned off my debit cards. They then hooked up all of my debit cards for my individual account to my joint account with my husband without anyone 's authorization. I received an email on this and I called on this as well as the representative said that he did not know why I got those emails as no card of mine was hooked up to that joint account, however the XXXX of this month my card to a closed account was used to pay my streaming services through our joint account and I have never set up that account to that service or that card to that account. I called US bank and they said none of the closed account debit cards were turned off and asked if i had authorized this or for those cards to be linked to that joint account to which i said I was never asked about it, signed on it, authorized it, etc XXXX and she said verified that she did not know what they were doing but that is not right. There has been alot of misinformation, lies, unauthorized moves, etc... done by this bank and no one to answer for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58503
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize a credit inquiry from this company on XX/XX/scrub>XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My mother has an account as well as q safe deposit box with us bank for ID say 20 years or more when she passed she left me the only child with the safe deposit box n it's contents and they will not let me access it my mom 's been dead almost 9 Mos now n I've lost everything because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I have spoken to XXXX to XXXX customer service reps from US BANK who have given me the wrong information causing a delay in programs that I should qualify for. The employees of US BANK are not on the same page. They have given me the runaround. They are making mistakes when placing notes on my XXXX loans making it difficult for other customer agents to help me. US BANK is handling my issues carelessly. My credit report states wrong information which looks bad. And now on my credit report, it states Forecloser, deed leu which I don't know what that means. I XXXX kids and trying to keep my house. Also, I have been making payments like they said and now I can't. This is an urgent matter. Please review the call long for quality insurance so you can hear what was said. today is XX/XX/2024 they say the system has issues. I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX sent a letter to us bank, stating and requested to delete utilization off my credit report or XXXX percent utilization.. According to the privacy act 1974. No agency shall disclose ANY records by any means of communication to ANY person by, or with the prior written consent of the individual to whom the records pertains.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My father passed away in XXXX, XXXX. I am trustee and executor of his affairs. I have not received any 1099 interest accounting for XXXX to do his final tax return. I have called, emailed and my sister visited a branch of US Bank and there has been zero response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX at XXXXXXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX to make a {$2700.00} payment on my XXXX XXXX XXXX credit card. {$1700.00} of that payment was cash and the remaining {$1000.00} was in the form of a U.S. Bank check # XXXX. This was transaction number TR # XXXX TE # XXXX. The check was ran through the ACH machine and instantly debited from my checking account. Instead of giving me back the voided check, the store kept the check and then proceeded to deposit an already paid and voided check into their U.S. Bank account in XXXX, WA two days later on XX/XX/XXXX. This was ran through the cash vault in the basement of the bank. So the bank gave the store another {$1000.00} by running an already voided check and it was not applied to my credit card payment. I will also note that somewhere between the store and U.S. Bank in XXXX, that someone or something changed my check number to # XXXX instead of the # XXXX it should have been. This was in the bank 's system, not on the physical check itself. I have opened 3 claims with U.S. Bank and even though they returned the original ACH transaction, this caused XXXX XXXX to also pull back my {$1000.00} payment and hold me responsible for the interest on that {$1000.00} since XX/XX/XXXX. I tried several times over two weeks to speak with the store XXXX, XXXX XXXX, both in person and by phone and she tried everything to avoid talking to me until I threatened her with the police and a lawsuit. I did file a report with the XXXX Police on XX/XX/XXXX, Case # XXXX and am currently searching out an attorney for this matter. I have opened a fourth fraud case with U.S. Bank on XX/XX/XXXX, Case # XXXX and have checked weekly on it with no progress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am US bank customer for more than XXXX years. My check to the XXXX XXXX XXXX for property tax was stolen when I mailed it and dropped it off at the front of the post office in XXXX XXXX XXXX, California in XX/XX/XXXX. check for {$5700.00} was withdrawn from my checking account I received a delinquency letter from XXXX XXXX XXXX in XX/XX/XXXX when I found my check was stolen. I informed US bank and went to the branch and filed the complaint on XX/XX/XXXX. I received a letter through cfpb on XX/XX/XXXX that the documents were not sufficient. I went to the bank again on XX/XX/XXXX and resubmitted the documents. Please kindly follow up when I can reimbursed my money. Appreciated. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi I had my Credit Card payments set up automatically and last month my account was shut off without me knowing about it. when I found out I right away called in and they told me that my account is paid up to date but in the end a XXXX day late showed up on my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A