Date Received: 2023-08-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Business checking account was closed due to " suspicious activity '' on XX/XX/2023. At the time of closing, I had {$16000.00} in the account. After a few days received a cashier 's check for {$100.00}. After multiple attempts to contact customer support and visited branch they requested documents from my other bank who sent the funds ( {$15000.00} ). I sent the documents but after Two weeks they still cant release my fund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a loyal customer of U.S. Bank for almost 18 years. Wednesday, XX/XX/2023 I went to pay bills though U.S. Bank 's Bill Pay. I noticed all six of our checking and saving accounts were gone. The only account I could still see was my Retirement CD. I called customer service and told them my accounts were not showing up, gave them my SS # they said they couldn't find my information, so gave them one account number and they confirmed all my accounts had been closed. I said that was impossible as my husband and I absolutely did not and never have closed any of our accounts. Now I'm thinking we've been hacked. Now being transferred for the 3rd time. She then said U.S. Bank closed the accounts. I asked where the money was and she didn't have an answer for me. Freaked out, I demanded to speak to a manager, the woman on the phone said she couldn't get me in touch with a manager ( why not? ) so she took my info and said she would have a manger contact me asap. A week later still have not heard from that manager. I got off the phone and immediately went to our local U.S. Bank branch in XXXX, CA. Manager had just gone to lunch so spoke with a representative, XXXX. XXXX said he couldn't find any info as to why all our accounts were closed, but did confirm a few check had been mailed out. He also said I wasn't the first person to come in with this problem in the last few weeks??? ( What does that mean? This is a thing? ) I asked for his manager to call me asap when he gets back, gave him all my info. Again, it's been a week and I haven't heard from anyone at U.S. Bank. We also still have not received checks for 4 of our accounts. Why were our accounts closed? Can they really provide absolutely no information as to why they closed them? Is that lawful?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a XXXX XXXX secured credit card with US Bank with a deposit of {$300.00}. They took my deposit from my checking account right away and it took them 2 months to mail me the credit card, which was ok somehow. Today XX/XX/XXXX I received a statement from you asking me to pay {$110.00} including past due {$43.00} I was charged late fees and other fees and interest : XXXX Total : XXXX On XX/XX/XXXX I asked your CS to close my account via email, and I got some messages from you. I also asked if I have to pay the balance and I was told that I don't have to. Now you charged me to pay late fees for past due amount. At the beginning of XXXX I received ta letter from you stating that my remaining balance will be send to me via check on XX/XX/XXXX, but I have never received such check. Instead you charged me all kind of fees. You need to issue a refund for all those fees I was charged and stop charging me fees and send me a check for the remaining balance. This message will be send to CFPB too. Unbelievable.
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: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX of 2023, my US bank credit card annual fee was set to renew. I had changed banks and not updated this credit card 's bank to withdraw from. Ultimately, this summer I fell ill with XXXX 's XXXX and was recently diagnosed. This XXXX is fatal if left untreated. I had no energy to deal with anything financial and was focused on trying to figure out what was wrong with my healthwise. I got an initial bill for {$49.00} dollars for my annual renewal past due. I contacted US bank and asked them to reverse the fees piling on top of it, which they did reverse XXXX XXXX dollars. The fees kept piling on and finally as of today, I had {$150.00} including the annual fee. I talked to 6-7 representatives and they told me they closed my account, but I still owed the {$150.00}. I asked how could I still need to pay an optional {$49.00} dollars if I can't even use the credit card. They told me I would have to reapply and that I would not receive my rewards that I had gained on the account. I had hundreds of dollars in rewards points on the account, and now I have no access to them and they are gone. I just have paid the {$150.00} as I did not want to affect my credit score. I don't understand how US bank just received almost {$500.00} dollars in cash and rewards points and did not help me out at all. I would like to receive cash back for my rewards in my account they closed without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/2022, i purchased an XXXX XXXX with the awesome help of US Bank. I never received any mail, email or instructions/info to make my payments. So i called XXXX myself to get the US BANK number and asked how to set up my payments. I provided the info and every month made my payments. Only to find out, the payments were being rejected because another name was on the account and their banking info was being used to send payment to MY loan account. My car was then repossessed and i didnt find out this info until after the fact. This information is listed in the notes on my account. They have refused to remove the late payments after to admitting to it being a mistake on their end. My credit score has dropped over 160 points and ruined my credit and aspects of my business and my life. I've disputed this and called hundreds of times to get a fair resolution, only to be passed around to multiple reps and no follow up. My credit was around 760 when i purchased the vehicle. In no way would I not make my FIRST 4 or 5 payments on a car i just bought.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi. I have an account with U.S. Bank. They have closed my account stating I misused their name on social media. I have never posted about any accounts I have and have no clue as to why they would close out my account. They closed out my account without any warning and stated they will send a letter. Shouldnt a letter be sent out before you close out an account? I was also given a number that does not ring but can only leave a voicemail. I believe they no longer want to give me XXXXapr interest for the next 6 months and are punishing me because I refuse to open up additional accounts. I have never been late on any payments and have excellent credit. I would like a detailed explanation and to show me when & where I have ever commented about my us bank account. I would like my account reinstated and not forced to open up additional accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX US Bank forced deposited my sons auxiliary benefits into my frozen account going through closure 2 days after the settlement date. Then continued to withhold those funds for 29 days. Violating 31 cfr part 210 and nacha regulations. The funds were suppose to be returned under return code R16 Account frozen. I called on the settlement date of XX/XX/XXXX and was told they would be rejected and processed Friday morning ( XX/XX/XXXX ) but were force deposited into my account. US Bank continued to withhold the funds in my account which are entirely my sons auxiliary benefits in the amount of {$780.00}. I was not notified why my funds were being withheld other then my account is going through closure. Us bank would not allow me to withdraw the funds by any means or close the account myself over the phone or via branch. I was told I would receive a check in the mail with the funds when the account closed. XX/XX/XXXX I get a text message from US Bank stating there was a withdrawal in the amount of {$780.00} from my account. I contacted us bank to see if they had sent out the check and if I could get a tracking number. I was then informed they withdrew my sons auxiliary benefits and sent them to XXXX collection agency to offset on my closed account ending in XXXX that was closed, charged off and now with a collection agency in XX/XX/2023. US bank was well aware that these were my sons benefits. I do not understand how my son can be forced to pay a debt he doesnt owe or has anything to do with my son. I also do not understand how his benefits can be withdrawn from my account and then sent to a 3rd party? US bank refuses to refund my sons benefits to me or even to send them back to SSA. XX/XX/XXXX I received a letter from XXXX collection agency thanking me for my payment in the amount of {$780.00} and I still have a balance of {$62.00}. This money was forced into my account when I was told it would be sent back, then withheld from me for 29 days and now basically stolen right out from under me to pay a debt that isnt my sons debt. This whole situation has been extremely stressful and frustrating. I have a $ XXXX monthly income to pay bills and provide for my children and US bank has held onto {$800.00} of that for over a month now causing my electric and water to be shut off and I wasnt able to get my son school supplies he needed or pay his XXXX XXXX insurance for his XXXX that now has lapsed. I need this money back ASAP either returned to me or to SSA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40160
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I was a victim of debit card fraud of over {$2000.00}. I made a claim and everything seemed to be fine until XXXX XXXX a hard hold was placed on my account I called US Bank and they informed me that due to fraud my accounts are under investigation and will be closed. I was fine with this as US Bank has not been the most consumer friendly. I asked for a timeline and was informed 30-45 days. The 45 day mark has now passed and the provisional credits that were to be provided I have received. Now my funds are in an account I cant move them out nor receive deposits. My other accounts are overdrawn because I cant post any debits. I have called multiple people and they dont know anything. The last online banker I called informed me I know have to wait 90 days its completely unprofessional especially if I have done nothing wrong but be a victim of fraud.I just want my money so I can do what I have to do. This has incovienced me a lot. I have banked with them since XXXX and no issues now this and the treat me like a criminal get over yourselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Heres a letter to CEO Hello XXXX XXXX, Im sorry, I understand that USBank and USBank realia card are separate, but I have done everything possible. Including filing two CFPB Complaints against realia card and one CFPB complaint against USBank. I had originally filed a dispute in XXXX for {$250.00}. You folks issued provisional credits on XXXX. Unfortunately I was laid off again in XXXX, it took almost a month to get my unemployment set up. However, when I was awarded the funds from the previous three weeks you folks had taken the {$250.00} back that you had originally awarded me. Heres the crazy piece, between XX/XX/XXXX the day the credits were issued until XX/XX/XXXX when I received my latest unemployment claim I was never made aware that your team had decided that I shoukd not have been awarded the {$250.00}. I was told you folks had 90 from the time the claim was filed to investigate. I knew it was fraud and so I assumed everything had been worked out. Since I hadnt received any emails, or letters letting me know anything differently. Now lets spring forward to XXXX. My unemployment funds are deposited into my account, however, my card doesnt work. When Im finally able to get it working you folks subtract {$250.00} from my balance. Apparently on XX/XX/XXXX, someone had made the decision the remove the provisional credits without ever making me aware. Otherwise I would have tackled this back in XXXX. Unfortunately with me never being made aware it made it very difficult to know this was done by USBank. I now have a new job, I had enough gas to get to work everyday this week until today. I just dont have the gas until you place the money back in my account. Ive tried everything, Ive requested calls from the dispute team, Ive filed the CFPB complaints but XXXX cant get anyone to help me. I finally get a new job, a job that could possibly change my future, but I cant get to work, even though I love it and totally want to be at work. I had investigated that original fraud, someone had opened an online casino account at this XXXX XXXX XXXX called XXXXXXXX XXXX XXXX XXXX XXXX screenshot I found online pasted below ). It wasnt me, I also researched and found out online casinos are illegal in the state of Ohio. Therefore I have no idea how you folks ever even approved these fraudulent transactions to take place. Ive requested this be escalated on XXXX, however, nothing was done. You folks know how upset this has made me, because you had requested two deputy sheriffs to perform a wellness check on me. I told them I understood why I believe people would kill themselves. This has tested me to the max. I have nothing else to do but file additional CFPB complaints, hopping they will get involved and help me get my {$250.00} back, so I can get to work, without losing my job. Please help me. This is life and death for me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Sincerely XXXX XXXX Part 2 Hello, So I asked for a copy of the letter that was supposedly sent to me back in XXXX. Which I finally received, heres where things get fraudulent on your side. # 1. The amount indicated next to the amount of the dispute is missing. # 2. Heres the mic drop. The reference number on the letter you supposedly sent to me on XX/XX/XXXX, matched the reference number pertaining to the rebuttal claim #. That number is XXXX. The case id for my original claim is XXXX. I attached screenshots below. How could the letter you sent me in XXXX match a reference number that wasnt even created until five months later? Its simple, this is a clear example of fraud committed by USBank. A clear attempt to cover up a mistake you folks made, by never advising a client that the provisional credits would be charged back. Also I was charged back on XX/XX/XXXX, your fake letter stated I wouldnt be changed back until XX/XX/XXXX. I will give you folks one last opportunity to fix this and credit the {$250.00} back to my card before I share this information with the CFPB. Again, you can clearly see the original case ID #. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
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: I called the company to question a suspicious account alert that I received from their automated account alert system ( via text message ). I know the alert ( text message ) was legit and came from the company because it came from the same text phone number that sends ALL of the automated alerts that I setup on this account, but the company basically told me that I'm stupid and the text was a fake and was sent by a fraudster that is trying to trick me into giving the fraudster my account info. That was definitely NOT the case. The text definitely was legit and definitely was from the company, yet the company continued to deny that they sent it ( even though I offered to send a screen shot of the alert/text ) and they refused to discuss my questions and concerns about the alert/text. Instead, DURING THE PHONE CALL THEY LOCKED MY ACCOUNT SO I COULD NOT USE MY CREDIT CARD ANYMORE. When I asked them why they locked my account, they refused to answer. They treated me like a XXXX, even though they verified that I was the account owner. THEY STILL HAVE NOT ANSWERED ANY OF MY QUESTIONS. I WANT DETAILED, THOROUGH EXPLANATIONS FOR THEIR INEXCUSABLE BEHAVIOR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A