Date Received: 2023-08-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: At the end of XX/XX/2023 US bank put a hold on my account due to a couple of disputes I made for unauthorized and unreconized transactions. I reported US bank to the better business bureau at the beginning of XXXX due to missing money out of my account and suspicous things going on with my account like missing money then money being placed back into the account days later at XXXX XXXX in the morning. also I was being double charged for transactions I had already paid for. So i did a dispute on XX/XX/XXXX and my account was shut down and has been on hold every since even though i have papers from the bank stating the investigation was over they are still holding my money and restarting investigations they have already completed.. Im going to file a lawsuit against this bank because they are messing with my funds and trying to make it seem like im doing some kind of fraud,. the ladys name is XXXX XXXX she has my account on hold and wont release my money to me... ive called my lawyer and will be filing charges against her and US bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I ordered two XXXX brand batteries from an online advertisement for {$99.00} from XXXX. On XX/XX/2023 they shipped me two no name brand batteries. This was a fraud. The company wont return my voicemails demanding a refund. I paid thru XXXX which charged my account at Union Bank. On or about XX/XX/XXXX, I tried to dispute the charge with XXXX. I could not figure out how to do that so I disputed the charge with US Bank. ( US Bank National Association. The charge went thru my Union bank account ending in XXXX but US Bank had taken over Union Bank in a merger/buyout so U.S. Bank answered the phone call. US Bank lost my dispute or just shelved it because of the merger and their current financial problems. Now they wont give me provisional credit. I spoke with XXXX on the XXXX XX/XX/2023 for over an hour and she said she thought it was lost in some department handling Union Bank issues and would get back to me. She hasnt. I talked to XXXX on the XXXX XXXXXXXX XXXX as well as supervisor XXXX and he said XXXX did not write any notes! I demand provisional credit now. It is not my fault they lost or destroyed my dispute and they dont make notes on hour long phone calls. I record almost all calls when it says this call may be monitored or recorded. I have a screenshot of the ad showing they were selling XXXX XXXX batteries and photos showing the contents the day the package arrived were no name brand batteries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
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: On XX/XX/2023 I purchased 2 gift cards. One for {$250.00}. The other for {$50.00}. They would not work. ( I ended up giving the intended recipients {$300.00} from another form of payment. ) I called the number on the back of the cards. I learned that the cards were flagged for possible fraud. I was told to submit documentation. I sent a fax with ID verification documents. Two cards were reissued to me several days ago. I've used the {$50.00} card successfully. The {$250.00} card will not work. I called AGAIN. I was told that the {$250.00} card was registered with someone else, and they would send me yet another card. Today, someone from XXXX XXXX XXXX called and I could not answer in time. They left a number but not an extension. I called back and did not get the person who called. I did not have my card number, and the people who had answered would not help me. They insisted on my card number. I repeatedly told them that I was trying to return THEIR call. I got hung up on twice. The third time, I had my card number, but he refused to help me because I said that I was recording. I live in a single party consent state. I did not have to tell him that I was recording. Furthermore, their recorded message says that MY CALL MAY BE RECORDED. So, the bank can record, but I'm not allowed??? I'd love to share this recording with someone. At any rate, I was told to send something in writing. I tried to fax again, but the fax is not working. This is ridiculous. I really feel that they do this to many people, waiting to find someone who will eventually give up, so XXXX XXXX XXXX can swipe their money. This is crazy. I'll also file a complaint with XXXX, where I got the card, and with XXXX XXXX, the form of payment I had used at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Called us bank 2x today XX/XX/22 about overdrawn account due to the bank reversing provisional credit from XXXX XXXX XXXX. The last time I called Into customer service before today I called in and requested the rep to resend me the dispute paperwork because I did not receive and it was within the 10 day window of my provisional credit. The person reviewed and said the bank did not need to resend the dispute paperwork to investigate the dispute because XXXX XXXX XXXX did not dispute and now today it is overdrawn. Please do one of three things : listen to the call prior to today and you will hear me requesting the paperwork and the rep saying it was not necessary ... reverse provisional credit and resend the paperwork or close account and I will go elsewhere
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear U.S. Bank Customer Service, I am writing to bring an important issue to your immediate attention. There appears to be incorrect or incomplete information related to an authorized user, XXXX XXXX, on my credit card account the timely payments are not reporting on his credit report and need to be reported. I kindly request your immediate action to rectify this matter. My details for your reference : Account Holder : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX card : XXXX Authorized User details for your reference : Authorized User : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Attached to this letter, you will find all necessary documentation to verify both my and XXXX XXXX XXXX ' identities. The documents include : A copy of my government-issued identification A copy of XXXX XXXX XXXX XXXX government-issued identification Proof of address for both parties I would like to request that you update our records and correct any inaccuracies as soon as possible. Mistakes such as these can have a significant impact on our credit histories, making it essential to address them promptly. Please confirm in writing once the required corrections have been made. The Fair Credit Reporting Act stipulates that you have up to 30 days to investigate and rectify any inaccuracies. However, due to the sensitivity and potential impact of this issue, I request that you expedite this process. Thank you for your immediate attention to this matter. Should you require further information or clarification, please feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX Attachments : Verification Documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/XXXX received notification that a XXXX XXXX was opened on my US bank account. Immediately, I contacted the bank to inform them that this was fraud and I did not open this account. My state of domicile is Washington XXXX. This fraudulent account was associated with an address in Illinois, of which I have no association. The bank assured me that the account was frozen and they were working to resolve the issue. They told me they heightened the security on my account, requiring additional identification for any account action. The account remained ( and remains ) open. Upon attempts to contact the bank, I was left on XXXX XXXX hour long holds and advised to call back later. This cycle continued. XX/XX/XXXX - I received notice that XXXX safe debit account application had been submitted under my account. I once again did not apply for this card. Efforts to contact the bank once again were in void. I am currently geographical unable to access the banking branch in person. Both of these XXXX safe debit accounts were opened fraudulently, without my knowledge or consent. I wish to have them both closed immediately. Efforts to express this to the banking branch have been fruitless. I am unable to contact them the majority of the time, and when I get in contact they assure me it takes a while.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
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: Fraud or scam
Subissue:
Consumer Complaint: Payment Info transaction on XXXX as of follows : Amount : {$350.00} Recipient 's info ( scammer ) : XXXX XXXX XXXX XXXX On XX/XX/2023, I immediately called US bank representative to file for a claim for a funds transfer that posted to my account ending in XXXX. This is regarding about me being scammed by someone paying through XXXX. And on XX/XX/2023, they already made a decision that my claim was denied without waiting for me to send enough proofs. I already got scammed {$350.00} and I believe that this is already considered under the category as sending money to an individual or business to purchase goods that are not received or arrived not as described, or for services that are not provided. This can include fees which are not refunded when a consumer requests a refund for the item or service. I will provide you enough proofs and evidence that I really got scammed. I recently filed a claim regarding me being scammed upon purchasing ticket from someone who seems a legit seller on social media. She claimed and gave me enough proofs that her tickets are legit. I stalked to her XXXX account and it seems like she is the type of person who don't fool people. I sent her {$350.00} through XXXX as she promised that once I sent her the money, she will give me the tickets. But it has been an hour of waiting she hasn't send me the ticket yet and even asked me to add {$100.00} for her to send it. But at that moment I already suspected that something is wrong so I was already asking for the money back but she already blocked me. Please help me. My claim shouldn't be denied like this. XXXX XXXX even said that I should report this to my bank institution which is US Bank that's why I am still reaching out to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
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: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX XXXX sent a settlement payment of {$3700.00} to my US Bank safe debit account ending in... XXXX. Attached screenshot shows that as of today US Bank shows the available balance as of XX/XX/XXXX at XXXX XXXX ( the time of this submission ) is {$3600.00}. Since XX/XX/XXXX, almost a month from today, I have attempted to pay my bills using my available funds and the bank has refused to cover my bills or allow that I withdraw my funds. On my last call with US Bank fraud and dispute center I was told that as of XX/XX/XXXX I would receive a letter indicating when a money order was going to be sent to me. As of today, I have not received any communication from US Bank with regards to the settlement payment of {$3700.00}. I have fallen behind on my car payments, all of my credit card payments, my rent, insurance and are on the verge of having my credit record affected by late payment reports. I have went to local branch, I have talked to numerous departments at the US Bank, I have called corporate office and once the representatives on the phone realize that they don't have answers for my funds being held up by the bank, the representatives hang up the call. This has caused me XXXX, depression, emotional distress, financial burden, and is severely affecting my emotional, mental and physical health. I would like to request immediate resolution to my problem as I can no longer handle dealing with the US Bank on this issue as I don't believe it is their intent to release my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91331
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Ok so ny boss XXXX wrote me a check then I deposited it into my us bank account then one day this guy calls from the fraud department and asks if Im XXXX XXXX doesnt verify me the way they are supposed to and the guy ended closing my account they told me to step into my local branch to pick up my funds and they didnt want to give me my money affter I already had the issuing party contact them to prove it was authorized and they said there keeping my funds untill I can prove other wise I worked hard for that money and there just gon na close my account and keep it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased goods from XXXX on XX/XX/2023 and it was supposed to deliver on same day. I was charged {$1500.00} on that day however I never receive any delivery from them. I did call US bank to dispute the charge however they registered it initially but later 30 days they reversed the provisional credit and told me send them the filled paperwork so they can continue with the case. I did wait for the paperwork to deliver but due to lost mail issue at my unit, my mails were kept missing and I conveyed my issue to US bank, they took all of the information over the phone call. After waiting for over 45 days to see if my case is resolved or not, I called US bank again and they told we closed the case because we didnt receive any paperwork, earlier they confirmed with me all information over the phone call. In last week of XXXX, they did send me paperwork again & I faxed them within 3 days. Again I called again to check the status of my claim, now they are refusing to talk anything about the dispute case and we cant do anything. I just lost {$1500.00} neither US bank helping nor XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A