Date Received: 2023-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 the irs deposited an ACH deposit into my checking account in the amount of {$210000.00}. I expected the money that day and made arangments to purchase a lot property in XXXX XXXX from a private owner, so i went to pull out XXXX at us bank at XXXX in XXXX XXXX Nv. Proceeded to the next branch to get the remainder and the branch manager took it up on himself to report my deposit to fraud and locked me account. My kids are hungry i cant get to work, i cant feed my kids or afford to take them to school because us bank was my primary bank that has now locked my account for no apparent reason at all. I am requesting immediate access to my money inside my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: US BANK fraud department They have closed my account. I was a victim of employment fraud, after being with this bank for more than 10 years, they have been the absolute worst in every aspect of helping me. I had a little over {$2000.00} in my account prior to the fraud - it is not much I am aware but being a single mother it was my hard earned money to support my children and I. I was hired for remote work, was sent 2 checks to start up my home office. Unfortunately, this was not the case. I was taken for the money I had plus an additional nearly XXXX. I submitted all the required information, paperwork, emails, pictures, etc to the fraud department as requested. Come to find out, my claim was not fuZNlly submitted. The supervisor XXXX submitted XXXX additional documents that I originally submitted that were not submitted by the fraud department. That is 100 % a fault on US BANK, not I ( red flag XXXX ). I have called and spoken to another supervisor, XXXX, she was no help either. Basically saying I have no rights to the funds I had prior. I also had a refund of {$45.00} and some change, that they are refusing to send me a check for as they say I have no right to any funds going into the account. However, the fraud department told me they closed my account so no funds could go in or out of the account, ( red flag number XXXX ) - the only thing I am asking for is the money I had prior and the small refund. Now when I call in, I get the run around, no calls back, the managers are never available, I need help, please. I am struggling terribly to make ends meet, I have not been able to recover from the huge blow losing all my funds has caused and now they are sending the debt to collections. Case numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individuals dealt with, XXXX ( XXXX ) and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: US Bank closed my Business Checking Account without any form of notification. They told me that I will receive a check for the funds in my account in 2 weeks. It has been over a month and I have called them multiple times. They keep telling me that the account is to be closed but there is no expiration date or close date. They also mentioned that I will not be able to get my funds from the account until they close the account. I have XXXX USD in the account which was deposited on XX/XX/XXXX. I told them that I urgently need the funds and they continue repeating the same words on the account being put on hold before closing. I came to know of my account being closed on XX/XX/XXXX and it has 27 days since then with no timeframe of when I get my funds released to me. They cancelled their relationship with me and have not released the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my credit balance of {$31.00} in XXXX of XXXX my payment was kicked back due to Webster bank changing routing number and didn't tell me until XXXX of XXXX when I repeated was putting payments in for {$31.00} so my card wouldn't show a balance. Paid again XX/XX/XXXX with new routing number and its still showing on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX and XX/XX/2023, my US Bank checking account had an array of fraudulent transactions occur, which essentially wiped out my checking account. The total amount of fraud was between {$35000.00} and {$40000.00}. There were XXXX ( XXXX ) XXXX XXXX withdrawals, each in the amount of {$3900.00}. Then, there were multiple " in person '' counter withdrawals across a variety of Ohio locations while I was in XXXX and nowhere near Ohio. Due to US Bank freezing, and ultimately locking the account, I can not access the account to provide ALL of the withdrawal dates and amounts, but the ones that I recall are here - {$4500.00}, {$4500.00}, {$8600.00}, and {$9000.00}. Given that these were withdrawn within US Bank storefronts, there should be video surveillance of the thief ( thieves ), as well as their signatures and other likely personally identifiable information. As soon as these fraudulent transactions were brought to my attention, I immediately filed individual claims with US Bank. Subsequent to that, I was told that I MUST return to North Carolina to reopen a new checking account, as well as RESUBMIT ALL fraud claims. With the assistance of the branch XXXX, XXXX XXXX, I opened new checking accounts, as well as refiled all of the fraudulent claims. As of today, XX/XX/2023, XXXX Bank has had NO PROACTIVE communication with me, nor have they processed the claims, nor refunded my funds. I have called, emailed, and called some more, reaching out to the XXXX, XXXX XXXX, as well as US Bank 's toll free numbers, but to no avail. XXXX Bank owes me those funds, as they are federally insured, as well as due to their lack of proper internal controls within the branch locations which allowed for these withdrawals to occur.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: I needed to pay {$4200.00} to a landlord for security deposit and first month 's rent. The payment was to be made through XXXX. I bank with U.S. Bank and I logged into online banking and went to make the payment by XXXX. I got an error message saying that my daily limit was {$3500.00}. So then I sent XXXX payments of {$2100.00} each. Both were deducted from my checking account. The first payment was sent on XX/XX/XXXX at XXXX XXXX. This payment was received immediately. In my online banking the status for this payment is " paid. '' On XX/XX/XXXX I sent the second payment of {$2100.00}. This was sent at XXXX XXXX. This payment was not received by the recipient, same recipient as the previous day. In my online banking the status for this payment is " sent. '' The intended recipient alerted me the next day, XX/XX/XXXX, that he had not received the payment, and I have been trying since then to get this money back. I have called the bank at least a dozen times. On XXXX a bank customer service rep told me that she could see that the second payment was never delivered. In the meantime, I put in a claim with U.S. Bank on XX/XX/XXXX. Through a letter dated XX/XX/XXXX the bank 's digital claims services department notified me that my claim was denied. When I heard on XXXX that the customer service rep could see the second payment was never delivered, my only possible explanation was that the claims department was superficial in reviewing this issue and/or only looked at the first payment that was actually delivered. I am exhausted by the effort I have been making to get U.S. Bank to return my money. I am hoping the CFPB can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94619
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: During loss Mitigation = We sent all documents into US Bank via online portal and they never requested any further paperwork until 3 months later. Recieved letter on XX/XX/XXXX and was never mailed nor uploaded into our online service until XX/XX/XXXX stating we didn't submit self employment tax records : sent XX/XX/XXXX, profit and loss missing ( sent XX/XX/XXXX ) and descrepancy in address ( stated over the phone we have a po box XX/XX/XXXX ) Recieved a second letter stating the same thing and made us resubmit and reapply all documents XX/XX/XXXX XX/XX/XXXX us bank request again individual and business taxes with updated signature and require verbal and written notice of hardship. XX/XX/XXXX = we called to check on our application and yet again they say we are missing profit and loss statements ( as of XX/XX/XXXX they have requested profit and loss XXXX ) XX/XX/XXXX we again call us bank to check on missing information and they say the under writers are requesting full year of our business profit and loss now with different dates then previously. XX/XX/XXXX = us bank sends letter stating only option is to short sale or house.. ( we have never missed a payment and our equity is XXXX what our mortage loan is. they state all available customer assistance reviews we are not approved for XX/XX/XXXX we sent appeal request, they never mailed an acknowledgment of appeal until XX/XX/XXXX which states they will respond on seperate cover by XXXX about loss mitigation appeal and never do so. at which they also state there is no issue with or escrow and no error that occured. our tax bill for XXXX states we had a state tax refund and the remaining balance was XXXX. Us bank states it's XXXX. this has been occuring since XXXX we request another escrow anaylsis and they never do it. XX/XX/XXXX they say our payment is XXXX but since XXXX it has steadly gone up every month and is now currently at XXXX. XXXX paid XXXX dollars to reinstate our mortage XXXX and they paid in over XXXX dollars to our escrow and can't tell us how our escrow got to under a XXXX dollars by XXXX. US Bank is also charging us " USDA fee XXXX of {$400.00} out of our escrow every 6 months " and we have had our mortage with this servicer since XXXX and never had that charge. WE have had emotional and physical reprocutions from US Bank and how they have handled things and tried to take our home. How they continue to hide where our escrow payments are going, and the lies we get told by customer service is not okay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Received a letter from US bank stating someone tried to open an account in my name on XX/XX/2023. The bank denied it and they stated it was do to the Oregon DMV hack.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report contains outdated negatives. Since then I have received a loan from XXXX XXXX plus I have received three small amount credit card acceptances. I did pay off much credit card debt and it took me XXXX or XXXX years and I did this through the XXXX XXXX XXXX company that worked with my creditors to negotiate and that helped me pay off my major credit card debt, being debt free of that in XXXX XXXX XXXX And I do pay more than the minimum that is due monthly by my three current credit cards. I had asked XXXX XXXX for the establishment of another small loan for a reserve account for overdraft fees and that would be very helpful as I had this before in my previous personal checking account with the bank and always paid back any money borrowed sooner than it was due. It is important for me to have this loan because I am retired and receive my pension in the beginning of the month and my social security towards the end of the month. I had some overdrafts that I wound up paying last month and was lucky I did not have to pay more because I did finally receive my social security and time and my pension a few days later to cover the overdrafts in time so they could be canceled. So I would appreciate if the credit card company XXXX would update my credit card report to show that I do pay my credit cards on time now and also my other loans with XXXX XXXX and my home mortgage to XXXX XXXX and my HELOC to XXXX XXXX. I would also appreciate it if the CFPB would also contact XXXX XXXX to reconsider my request again after reading this summary and hopefully my credit report will be updated positively I considering my positive actions that I accomplished to overcome my previous credit card debt and I have improved my financial situation because of this. Also I continue to pay all loans and credit cards as required and on time. This updated my credit report will help me to continue to have positive credit by getting a adequate small loan for overdraft protection in a reserve overdraft protection loan with my bank. I did have this overdraft protection reserve loan account with my bank with my previous personal checking account with my bank that was replaced with a new personal checking account with the same bank recently. However I could not receive the small loan for overdraft fee protection with my bank because of outdated comments that no longer apply to my current financial situation, and continue to be an unfair demerit, as I have completely paid off my previous major credit card debt. I believe the old comments on my credit report refer to old negatives that I no longer valid. It took me XXXX or XXXX years to diligently and pay down that credit card debt and accomplished that in the beginning of XXXXXXXX XXXX XXXX. And since then as mentioned before, in the beginning of the year I believe, I was accepted to get a XXXX XXXX loan and also three small credit cards. If I could get this overdraft protection loan account for my current checking account, that would definitely help ensure that I continue to have good credit and to help me pay off my bills on time and also pay off my current loans and credit cards on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: US Bank has repeatedly placed temporary holds on my account that prevent online access to bill payment and transfer features. When I call to regain access I am told the hold is for my security and for only 48-hours and that my debit cards will still work. That does not help me transfer funds to make bill payments. When I ask that the issue be escalated and fixed now, I am told that it is very common and that I must wait to regain access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A