Date Received: 2023-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited {$9500.00} cash into my U.S. bank checking account on XX/XX/2023 and suddenly my account was frozen. US bank told my account is under review for closure and wouldnt give me an explanation why or date when I would get access or receive my funds in the mail. I have been banking with US bank for some time now and never had an issue until now. I am seeking your help to get access to my funds. Please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
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: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage account that I see listed on my credit report, are the ones that I have had since working with these people who have scammed me and still are in this process. I am tired of explaining and not getting anywhere. How will you let them get out of this I have sent documents, and I am not paying them anything don't know where who payments go to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: Sometime on XX/XX/2023, I opened a checking account with US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX with an initial deposit of {$50.00}, maintenance fee waived being a senior. On XX/XX/2023 I deposited a XXXX check in the amount of {$3600.00} issued to me for services rendered as a caregiver to a client. Last XX/XX/2023, I received a letter from the US Bank manager dated XX/XX/2023 through USPS informing me that US bank is in the process of closing my account because of " suspected irregular activity ''. After reading the letter on the same date, XX/XX/2023, I called up the number XXXX XXXX XXXX provided in the letter to inquire why they are closing my account and what is all about the " suspected irregular activity '' mentioned in the letter. The lady who answered said she has no idea. In turn, she gave me a new number XXXX XXXX XXXX to call. The 2nd lady answered the line and also said that she have no knowledge why my account is in the process of closing. She then connected me to their Fraud Division where a man answered, also saying he has no idea what is going on with my account. On or about XXXX XXXX XXXX XXXX XXXX of XX/XX/2023, I went to US Bank branch in XXXX XXXX XXXX to seek audience with the branch manager to clarify the issue. Inside the bank, a man in white polo shirt and black pants approached me, and I told him that I wanted to see the branch manager after I showed him the letter. After then, he conferred with the two ladies sitting on one of the tables inside the bank. After a while he came back and told me the bank has the option to close my account when they see a " suspected irregular activity '' with my account. I responded that I wanted to know what was the " suspected irregular activity '' all about with my account since I only have two transaction involving the initial deposit of {$50.00} and the deposit of XXXX check in the amount of {$3600.00}. Since the man could not tell me the reason for the closing of my account, I told him that in this case, I am going to close my account after I withdraw the money that I deposited. However, he told me that I can only have my deposited money withdrawn once the their review of my account is done. Since then, it has been Sixteen ( 16 ) days after the branch manager wrote me the letter. Meanwhile my family have to wait for my money to be released before I can send them their monthly living allowance and school expenses. As time goes by, I am living with stress everyday thinking about my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a business credit card in XXXX. I attempted to pay my bill on time, but online, on my written statement, and over the phone, my balance appeared as {$2.00}. When I paid the card online, the only amount it showed I needed to pay was {$2.00}. I knew there was more charged on the card, but couldnt figure out what amount or how to pay it. I was assessed late charges while trying to figure this out. When I called to close the account and pay off any outstanding balance today, I was informed that there are apparently XXXX buckets in their system. XXXX bucket has the amount I owe on the card and there is another bucket or container that has the minimum amount due. I was only given access to the minimum amount due and that was misleading and fraudulent. That is why I wanted to close the card today. The reason Im reaching out is because when I closed the card, the personnel on the phone did not inform me that they were recording my call until the very end. They did so only in response to me asking for an email verification that the account was closed, insisting that the call was recorded, and that was my proof. However, they did not understand that the proof was only in their hands and not mine. They insisted they could only send me a written statement, which I worried would not arrive, and so I requested some other proof in the form of a confirmation number or employee number so that I could call back and verify in case the letter did not arrive in the mail. They said they could not do anything further, and refused to let me to speak with anyone else. Then they hung up on me. I called back, and the gentleman who answered did give me a confirmation number, but I hung up feeling like this was not on the up and up. I am concerned that they wont close my credit card, and will somehow charge me or affect my credit later on. Also, they were very misleading as to how, and what amount to pay on my card. If anyone else were to take out a credit card with them, I would hate to see them rack up charges and late payments not knowing that they have this really obscure and not readily apparent system of only revealing and allowing payments of {$2.00}, yet charging late fees for the remaining unpaid balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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 have literally for XXXX years been dealing with US Bank regarding a charge with XXXX. They sent me XXXX TVs, back in XXXX of 2021. I contacted XXXX letting them know about it, and they told me just to keep the TV. Then I realized I was charged for it. I contacted XXXX about the charge and they said we will make not of it, just let you credit card company know US Bank, that you'll be disputing the charge. Apparently the associate gave me the wrong information and should have told me to send it back. Which is irrelevant. I actually still have the extra TV that I only took out the box for space, that is still in the plastic and has never been used. US Bank sends me a letter saying they can't help me when I've been getting the run-around from them and XXXX for XXXX years and I spend thousands of dollars at XXXX. Next we have this horrific fraudulent rental car company called XXXX XXXX XXXX that has illegally charged at least XXXX of my credit cards {$270.00} when I have prepaid for the rentals. This is literally fraud and they know it and should be criminally charged. Because they did so without my authorization, saying it was just for a hold when I've prepaid all of the rentals. US Bank, just denied to handle the dispute while my credit card continues to be reported late, assessed late fees and more. I am so sick of these companies behaving like loan sharks. And here 's the kicker, every time I speak to anyone, whether it is US Bank, or XXXX XXXX XXXX, I've recorded the call or transaction EVERY, SINGLE, TIME. So the evidence and proof that I have is indisputable. The worst part is that I am someone with a XXXX XXXX XXXX XXXX and it takes so much to have to go back and forth and deal with these people. But, guess what? Now I'm taking my power back and reporting all of these companies that are behaving like it's the wild wild west. And that's the very reason I record everything, so you can't sit there and lie. And now, I will be taking each and every XXXX of them to court if need be. I have an XXXX, I've worked for the XXXX XXXX XXXX and the XXXX. And I'm about to work for the XXXX as a federal agent. So if they think that they can simply take my money, and allow fraudulent charges to remain without doing a proper investigation. I will sue you and see you in court. The can all join the XXXX XXXX XXXX XXXX XXXX. I'm over it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX from my lending institution XXXX XXXX XXXX sent a certified check in the amount of {$24000.00} as lease payoff amount as agreed with the payoff instructions provided by US bank/US Bank Dealer services to purchase the leased vehicle ( XXXX XXXX XXXX XXXX the end of lease ). On XX/XX/XXXX through a telephonic conversation I was informed that the check was returned due to endorsement missing. Upon enquiring further with the lending institution I.e. XXXX they informed me the US BANK/US Bank Dealer services didnt properly endorse the check causing it failed to process. Consequently US Bank kept my account open and added penalty amount for not paying off monthly lease charges. This appears to be gross negligence from US BANK/US Bank Dealer service not properly endorse the check and put liabilities on customer. During this period I have made several attempts and reasonable efforts to connect to their department and spoke with at least XXXX supervisors and explained the problem but still at the end of more than XXXX weeks the lease account still open and they failed to address the issue. They failed to communicate in timely manner and made situation very difficult. I have attached the copy of the payoff instructions sent by US BANK/US BANK Dealer Service , copy of XXXX shipment as Proof that my lending institution sent the check and received by XXXX on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a free checking account and it's U.S. Bank XX/XX/2022 was supposed to have no fees they cancelled all the no fee accounts and are charging monthly fees of {$6.00} each month will not credit fees. I didn't not agree to a monthly fee account at US Bank this is fraud they are stealing my money since XXXX {$70.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89048
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not agree with the reporting of these late payments and I would like them to be remove led.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93703
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I accidentally made an {$2000.00} payment on XX/XX/XXXX. I was trying to make a {$200.00} payment via app but accidentally add an extra XXXX. Immediately, I contact customer service since payment was pending. The associate explain that he wouldnt delete the payment to call my bank. So, he transferred me to US Bank customer service. Of course, they couldnt stop the payment because it was already processed. Thus, another transfer to the credit card US Bank. Where, I was told to call back tomorrow Friday XX/XX/XXXX to submit a research request. The next day, I called filed a research request. Monday the XXXX or Tuesday the XXXX I called back because I check my app and no payment reversal or correction. I was told by a supervisor at that time the latest this will by resolved is today Thursday the XXXX. So, when I called everyone will give me a different timeframe. XXXX the supervisor said 10business day. XXXX said 3-6 business day, finally XXXX said XXXX. No one can provide an answer to why this request will be corrected or were unable to resolve themself or attempted too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A