Date Received: 2023-08-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have try a fruad ach claim i been wait a week file both claim i dont get refund I need full refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an old late pay on my account that is since closed but i don't ever remember having it. I am always set up on automatic payment so I'm confused how this late pay is on my report. I have tried contacting them to get it removed. The address they have for me isn't even an address i had. Can you help me to get this removed as it is damaging my credit score and keeping me from getting the best interest rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: Filed a previous Complaint to the CFPB Submitted to the CFPB on XX/XX/2023 XXXX Closed I received the information in regards to XXXX XXXX in their response is very clear the USBank needs to contact XXXX XXXX to start the process. I was to contact USBank directly and I had 4 deaths in my family last month leaving a Notarize letter to USBank so they could start the retract the payment process for help in recovering my funds in the amount of {$13000.00}. This has been horrible but I also want to point out where they keep talking about the Account holder at XXXXXXXX XXXX had previously contacted me when he discovered I was the person who by no harm intended put that money in his Bank Account. XXXX XXXX had called me got on a FDCP Record line with me and him on the phone I want to say that first call was on XX/XX/2023 with a Male Agent who I did first that it was XXXX XXXX he was speaking to. After the Agent verified the XXXXXXXX XXXX Account was XXXX XXXX then gave permission to that Agent to speak with XXXX XXXX and I asked about the payment and the Agent stated the money was still at XXXX XXXXXXXX on a Bank Hold Freeze and then XXXX XXXX of course upset stated he didnt know me and had no clue why I be sending him {$13000.00} and reported it to XXXX XXXX as Fraud only to discover it was not and told the Agent to give the money back to XXXX XXXX because he was not taking the money and XXXX XXXX had Closed his bank account over this unfortunate situation. XXXX gave XXXXXXXX XXXX the permission to speak with me and I spoke to Supervisors at XXXXXXXX XXXX without XXXX XXXX nod even the line stated the payment was still sitting at XXXXXXXX XXXX and I needed to get USBank to help assist me with retracing the payment. I went to USBank countless times and one time one Customer Service Rep XXXX went to go and get the paper work for me to fill out when the XXXX Manager stopped him and my point is USBank not one time even attempted to help assist me in retracting the payment process and I even spoke to a few Supervisors at USBank explained the difficulties I was having within the Bank and was told on several attempts to go to the same Bank tell them what they stated and it was one XXXX Female USBank Manager told me to go to The Police Department and the other XXXX Manager stated thats the Banks policy and procedure XXXX XXXX this was on the last conversation and she said well I guess you will just have to take us to Court. She made this statement to me on or about XX/XX/2023. Im also seeking damages in the amount of {$50000.00}. Calling me a scammer is what the XXXX Manager at USBank stated to me the last time I was in the USBank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX and I had a male witness practically every time I went to the USBank this stuff is so not funny and I have been emotionally drained and distressed over it taking medication because of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed around XX/XX/23 with a balance of around XXXX XXXXXXXX and I have yet to receive my balance. I was told I would be getting a cashier check after my account is officially closed but no one has helped. XXXX XXXX XXXX : XXXX Account : XXXX Bank : US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: A business checking account was opened at US Bank under my name at the end of XXXX. Initially, a deposit of {$7000.00} was made from one of my XXXX accounts upon opening and everything was fine. Subsequently, I made two additional deposits of {$2500.00} each ( total of {$5000.00} ) from another XXXX account that I own within a week. US Bank then sent me a letter on XX/XX/2023 stating that my new Business account has suspected irregular activity and decided that my account will be closed and I would get my money back within 15 business days upon verifications. Today is XX/XX/2023 and I still have not received my money back, despite numerous inquiries with the branch manager and providing proof that the entire amount of {$12000.00} from three different deposits ( {$7000.00}, {$2500.00}, {$2500.00} ) came from my personal XXXX bank accounts. All three deposits were cleared in late XXXX XXXX as indicated by my own XXXX account statements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX I got an email saying the bank transfer has gone through. Being I had NOT made any transfers I went immediately to our online banking account. Sure enough, we were down {$2200.00}. Whoever sent our money to the XXXX XXXX XXXX XXXX. Last 4 of their account number is all I can see, XXXX. Transaction number was XXXX. I called the bank immediately and filed a fraud case, claim number XXXX After a few days I was told that they would not make it good because whoever did this to us used my username and password. We have no idea how it was done or how someone could get our info. I was then told by the bank that we could file an appeal. I told them yes, I wanted to. I was told that whoever stole our money used XXXX, which is located on the US bank dashboard page, once logged in to do the transfer. I was then told to contact the police and file a report of theft. I did with an Officer XXXX phone number XXXX here in XXXX. I have not heard from him since. I even called and left a message 2 days ago. We then closed our bank account and opened a new one. We can not afford just walking away from this money. Because of the loss I can't afford our house payment or elec. bill. I've had to take money out of my pitiful savings to try and cover it. Now I have late fees and we are still waiting for our checks and bank cards. We were issued temporary ones but were not told that our temp. card has a limit on it. Which our house payment is over. We did NOT do this and have had NO part in the theft. We have been with US Bank for just over 25 yrs. One would think that would show them that we are loyal and trustworthy customers. But now we are afraid to do business with them if our money isn't safe. Filed a fraud/scam with the FBI on XXXX The Missouri Attorney General 's Office has successfully received your complaint. Your Incident Number is XXXX Please help us get our money back. Thank you XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64093
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Your Bank is a third class bank, it is very hard to reach customer service and once you reach it, they keep on transferring you from one department to another, and each department wants to verify your account, US Bank used to be a very good bank, but lately its customer service has become horrendous. I've already sued you in the court, and I've already transferred my money to another account, right now my account balance is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: I bought a XXXX XXXX on XX/XX/XXXX from XXXX XXXX for XXXX The TVs motherboard melted down on XX/XX/XXXX. I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, this took over a week. I called XXXX XXXX and wanted the TV replaced with another TV, they denied me and stated their extra warranty doesnt begin until XX/XX/XXXX and until then I have to resolve any issues with XXXX XXXX Repair man replaced the motherboard and the TV booted up again. The TVs motherboard melted down again on or about XX/XX/XXXX. I called XXXX and wanted the TV replaced with another TV, they denied me and sent a repairman, again, this took over a week. Anybody by now would think they have a lemon, Im positive I have a lemon but I thought I was stuck with no recourse. I then thought that if I contacted the credit card company, Elan Financial under Fidelity, I called and placed a billing dispute asking for a credit for XXXX to my card and either have them come pick up the TV or I would be happy to take it back to whomever. Elan Financial took my dispute complaint and followed up with a letter asking for more details, I called to give them details and also returned their letter with the same info. Not too long after this they sent me a check for XXXX. I ASSUMED THEY FOUND IN MY FAVOR AFTER THEIR INVESTIGATION Anyone awake would make the same assumption but on XX/XX/XXXX they sent me a letter stating under the fair billing credit billing act if I believe there's an error in my bill I have to respond within 60 days I contacted them as soon as the TV melted down because there was no way I could have guessed ahead of time that it would melt down on me. And why dont their Reps know this simple 60-day rule? Why did they string me along and act as if I had a legitimate complaint? Their Reps should say its been so many days so you cant place a billing dispute? And of all mismanaged things, why would they send me a check? I called to ask the above questions and the Reps read off a bunch of legal speak and said to me that even though the Reps know about the 60-day rule, they must take a complaint. And still, why do they send a check leading me to believe they found it in my favor? This stinks so bad that Im sure they XXXX XXXX on their end and are using legal jargon against me, they should be punished for sending me a check. The TV manages to work. I told them this. I told them I do not want free stuff but who would feel secure that the TV wont meltdown again? Im just waiting for the 3rd meltdown to occur. You would feel the same way. I had to put the XXXX on another card because I don't have almost XXXX extra floating around, they are a huge bank and to them this glaring mismanagement is causing me financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received two prepaid gift cards, one Visa ( with a {$200.00} balance ), one Mastercard ( with a {$100.00} balance ). Both were purchased from XXXX grocery store by a family member. I followed the instructions and registered my information on the cards at the listed website on XXXX. The back of both cards state that they are " issued by U.S. Bank National Association pursuant to a license from Visa, Inc. '' I tried to use the cards in early XXXX and they were declined. I then tried multiple times to use them on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. Every time I tried to use them the cards were declined. I called the XXXX phone number on the back of the card, there is not an easy way to speak to a representative but I figured out that you have to hit zero multiple times to reach someone. The representatives told me that they would clear any blocks so I could use the card after an hour. I tried again that evening at XXXX and the cards were declined. I tried again on XX/XX/XXXX at XXXX, XXXX, and XXXX and the cards were once again declined. I called back and the agent said that you could not use the card on any website where the site " saves '' the card and then hung up on me. This eliminates most major retailers in the US as most websites require you to create a profile and save the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have opened US Bank credit card back in XX/XX/2022 as to receive XXXX enroll bonus to XXXX XXXX XXXX. They honored that we will get XXXX bonus miles when we spend {$3000.00} with in 3 months from the date of credit card activated. I did spend {$3000.00} with in 3 months and US Bank did not issued XXXX bonus miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A