Date Received: 2023-08-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2023, I was able to access my banking accounts which consist of a checking, savings and credit card with USBank. This morning on XX/XX/XXXX, I woke up and remembered I needed to pay a bill. I got on their app on my smartphone and the sign-in page said " Stumped, please check back later. '' I got on the laptop and signed into my account, it said my credentials failed, so I reset my password. I typed in my customer ID and the last XXXX digits of my SSN. Their site said they're stumped again because they can not find my profile or account! I never got a warning about my accounts disappearing from USBank in email, phone call or postal mail. Nothing. No warning. The last email XX/XX/2023 from USBank was about changes to their digital services agreement. No explanation where my profile or account went.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX companies for the past 4 years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I purchased a comprised XXXX XXXX XXXX XXXX XXXX XXXX Security code XXXX Exp XX/XX/XXXX on XX/XX/XXXX. I purchased from XXXX XXXX for XXXX. When I tried to activate it XX/XX/XXXX It showed a XXXX balance. I checked and somehow it was used at a XXXX store on XXXX XXXX CA on XX/XX/XXXX XXXX hours after I had purchased it. Long story short... I called the XXXX and spoke with some person names XXXX ( Im sure it made up ) I advised how can a card be compromised when sealed unless the store clerk or Tech savvy people inside visa are boosting peoples info before the package is unsealed? I got a XXXX response of would I like to fill out survey. I said no I need my money back. The person then gave me some fax number of XXXX. I did everything they wanted me to do and fax to prove I was the owner : 1 ) You need a valid drivers license or valid id 2 ) Copy of your visa card front & back. Make sure its a light copy so it can be readable. they say 3 ) Copy of your utility bill or something with your name and address on it. 4 ) Copy of orig. receipt of where you purchased then fax this XXXX along with the ID # they gave me XXXX XXXX Then a statement showing Please register this card under the name and address shown. Wait XXXX days for a response. I faxed 4 times and after all this no agent was willing to help. Every time I called on the status of a replacement card, they just gave me the runaround or hang up on you. There excuses were : You must fax your info with 200 % and XXXX shades lighter or some XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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 purchased a XXXX XXXX in XX/XX/XXXX which was supposed to allow me to travel from XXXX XXXX until XX/XX/XXXX. I could not schedule until XX/XX/XXXX. When I tried, I could not schedule anything without paying more or the place I wanted to travel to was not allowing me to use the XXXX XXXX. Although I was aware of blackout dates, this was not what I expected. I tired reaching frontier via every mode listed : phone, email, and the chats. Nothing led me to be able to request a refund vi electronically or discuss anything with a live person. Even the phone number was bogus : XXXX. After several times I reached out to US Bank who gave me a provisional amount. It was rescinded XX/XX/XXXX, because I failed to return the completed US forms which I was unaware of. After sending them back on XXXX XX/XX/XXXX they refused to reopen the case. Their reasoning " It was the same information. '' I continued to call and visited a branch because I'd sent in the docs and a picture showing I have no points and have not used XXXX XXXX. Finally, XXXX XX/XX/XXXX they reopened the case. Yet today they have recharged me again. When I called, according to the US rep I talked to, there is no one handling my case. I could only leave a message. Today I uploaded the original docs sent to US Bank and the current pictures from my portal on Frontier. As you will see, I have no miles and no ability to use a XXXX XXXX XXXX. This is a business card and I have had to take a plan and XXXX trains recently because of this dilemma. I can not use it to XXXX for my XXXX-class reunion XX/XX/XXXX and return on XX/XX/XXXX. I was supposed to be able to travel nationally and internationally. I am disappointed in US Bank because regardless of if my bill is {$1.00} or thousands, I pay it monthly. I do not believe anyone truly invested and they are pushing paper and going by ads or whatever they think without justification. I have nothing for my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Feels like a SCAM!!! When I got the zero interest promotion, Kept calling about the bill, I was advised that there would be a central billing account but I later learned that the central billing statement was not set up. While waiting for the central billing issue to be corrected they unbenounced to me changed my interest rate. Later I started getting bills but the payments ere 3x what I should be paying so i called and they reset my interest rate. I payed the payment posted after the interest rate was reset. Then I noticed that the Payments went back up.This occured at least three times. I called again and they told me that the rate would be reset but with this type of account the payments can't be late even if in dispute. I made the payment prior to the due date as directed and the interest is again high and Ithis time sends my balance over the limit on the card. i am now told that they can not reset the rate until the account is brought under the limit, I said the account would not be over the limit if the interest rate was not changed. they refused to reset the interest rate and or reverse the unethical charges, Everytime I call there is a different reason the interest rate was changed. I think thisis part of their scam and the 0 % interest rate was the lure. And they deliberately put obstacles in the way to create reasons to adjust the interest rate. These XXXX XXXX XXXX are predatory and deliberate in their processes to defraud their customers and the public.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with us bank. I get my social security and VA pension direct deposited at the beginning of every month. On the XXXX of XXXX I was informed that my accounts were frozen and that they were closing my accounts. I was also informed that they no longer wished to do business with me. The reason for closing my account is that I was applying for a loan over the phone and didnt realize it was a scam. I unfortunately gave out all my information and the scammers tried to cash multiple checks on my account. I have been told by us bank that they would be closing my account but that it takes 15 business days and they would issue me a cashiers check which could take an additional 10 days and then however long it takes to come in the mail. It is now the XXXX and Im still being told they havent closed the account yet and that it wouldnt be till next week which then it will take another 10 days. XXXX XXXX XXXX XXXX and this is my only income. All my bills including my life insurance policies are now in arrears and am facing starving and no medications. I cant even pick up my prescriptions which keep me alive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have several issues with what happened. First off, I have spent over XXXX hours in total to get an answer with this and still can not get to someone to find out what has happened. I went in and closed all my accounts with US Bank. They failed to close the account and allowed more transactions to come out beyond the pending transations. They stated that the closed the account and I left enough money in the account for the pending transations. They failed to close the account as I had requested and allowed new transations to come out of the account. Then I was able to show them that the money that was in question of coming out was in fact not supposed to come out as I had cancelled that policy of what was coming out. This was the second time off having the account closed. Then got a letter in the mail of a discharge off of the account and this should have never happened as I proved that the money was not to be taken in the first place. Then over a month after closing my account, I find out that it had been reopened without my consent. I was now even more upset and went in to have the account closed again. About XXXX weeks to a month later, I receive a check from US Bank. I took it in to the bank and asked them about the check. I was told that it was a good a check and that was what US Bank had owed me, so I took it and deposited it into my new bank only to have a hold put on the check for a week. This check was over XXXX dollars. Then find out that they put a stop payment on the check. I then called US Bank multiple times to find out why a stop payment was placed on this check after I went in and verified that the check was good to cash. No one on US Banks end could tell me why the check had the stop payment XXXX it and I was passed around and around from person to person and department to department. The final straw was that I was told that I had to call yet another number and that I would have to just wait on hold. This was not acceptable for me and I am tired of wasting my time with the run around that I am getting. I still have no answer on why the check was sent in the first place or why the stop payment was placed on the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I started a loan application with US Bank for a fixed XXXX mortgage. On XX/XX/XXXX, I was provided disclosures for loan. On XX/XX/XXXX, the processor XXXX XXXX reached out to me regarding some items required, in addition to everything I'd already uploaded. On XX/XX/XXXX and XX/XX/XXXX, I was asked for additional items, which I provided. On XX/XX/XXXX, I was asked for a mortgage statement, that I'd previously provided. I didn't hear anything again until XX/XX/XXXX, where I was sent an adverse notice of action denying my loan due to " high DTI ''. I know how to calculate DTI, and my own calculations put me well under any threshold they may have, so I'd like to see the calculations for my Debt, and for my Income. If US Bank thinks my DTI is too high, they must have made these calculations, so I'd like to see them, as they were not provided to me in any medium. I was not given any opportunity to discuss or find a resolution, the loan was simply sent for denial which is suspicious, as it hints that US Bank never had an interest or intention to lend the money. Otherwise, they would have suggested getting a co-signer or possibly borrowing less money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, I received a letter from US Bank on XX/XX/XXXX stating they had a reason to believe an account was opened in my name. This is not correct as I am the rightful owner who had opened this account. I called XXXX on XX/XX/XXXX to inquire on my funds as I didn't receive those after they closed my account. The representative said in order to release the cashier check they need copy of my SSN, Driver license, Utility Bill and the statement of the source of funds that were deposited into my US Bank checking account. The Fax was sent on XX/XX/XXXX at XXXX am. The fax was successfully received based on the status OK. I get a call on XX/XX/XXXX saying they received the Fax but SSN and driver license copy were not clear and asked me to email these 2 documents ( SSN and driver license ) to XXXX Called on XX/XX/XXXX to follow up and now the representative says they didn't receive fax copies and asking me to send them again. US Bank is harassing me to give me my funds back, every time I call them they are tell me one thing or another and not a single representative is able to tell what is going on. I am fed up with this and creating this complaint to get my funds back. It's a big amount and my hard earned money I am in need of it but US Bank is harassing me to give me my funds. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I trust this letter finds you well. I am writing to address a matter of utmost urgency and concern that I have been facing with my US Bank account. It has come to my attention that my account has been compromised due to identity theft, resulting in unauthorized access and fraudulent activity that I had no involvement in. I was shocked to discover that my US Bank account was no longer accessible. Upon further investigation, I learned that unauthorized individuals had gained access to my account and engaged in fraudulent transactions without my knowledge or consent. This has not only put me in a distressing situation but has also caused significant financial harm. I would like to emphasize that I have taken all necessary precautions to safeguard my personal and banking information. I have not shared any confidential details, passwords, or security codes with anyone. The fact that my account was still breached raises serious concerns about the security measures employed by the bank. I have since been in contact with your customer service representatives, and while they have been sympathetic, I have not received the level of assistance needed to rectify this situation. I have been left to bear the financial burden of transactions that were carried out without my consent. I understand that incidents of identity theft can be complex to resolve, but I am hopeful that US Bank, as a reputable financial institution, will take immediate action to investigate and rectify this matter. I request a thorough investigation into the unauthorized access to my account and a comprehensive review of the fraudulent transactions that have taken place. Furthermore, I urge US Bank to work with me to ensure that the financial losses incurred due to this incident are fully reimbursed. It is deeply distressing to be held responsible for transactions that were orchestrated by malicious individuals who have taken advantage of security vulnerabilities. I appreciate your prompt attention to this matter and kindly request that you provide me with a detailed plan of action for resolving this issue as soon as possible. Enclosed with this letter are copies of documents that support my claim of unauthorized access and fraudulent activity. Thank you for your understanding and assistance in this matter. I look forward to a timely and satisfactory resolution that will alleviate the financial strain I am currently experiencing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A