Date Received: 2023-08-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: US Bank business card - payment account was blocked by US Bank after XXXX bank errors drafting auto-payment. Due to the payment issues, late fees were assessed repeatedly, after which over limit fees began to be assessed because the late fees caused the account to go over balance. At no time were charges declined, nor were extra efforts made to have the payment account addressed or updated. Upon speaking with US Bank, they declined to remove the extraneous late and over-limit fees and every time I was transferred to speak with a supervisor, our calls were disconnected. Highly unscrupulous and predatory banking practices!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/ I called my bank to open a merchant dispute for 4 transactionsamde with my debit card on XX/XX/XXXXXXXX for an ammount of {$61000.00} Merchandize not received, I bought XXXX XXXX XXXXXXXX XXXX and must be delivere on or before XX/XX/ Couple of days ater the claim was opened I got provisional credit for only one of the four trasnactions. So I called the bank and they told me that the claim was open as " fraud '' and only for 1 onf the 4 transactions. So I requested to fix that issue and the bank said they will call me back, something that never happened. Today XXXX XXXX I been dealing with the bank by phone more than one hour, the call has been transfered 5 times and finally the call was disconnected, then called for second time and nobody answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: us bank denied me consumer credit transaction in accessing a portion of my unlimited credit. 15 usc -1691- unlawful to discriminate against applicant with respect to any credit transaction. 12 USC -1431 : the banks are the borrowers Equal Credit Opportunity Act, CCPA 15 USC-1602 ( i ) I am the creditor in pursuit of life, liberty, and the pursuit of happiness. US BANK XXXXUS BANCORPXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/23 I purchased a US Bank {$500.00} gift card from XXXX. The magnetic stripe was unreadable at both merchants I tried. I immediately called US Bank & asked for a replacement card. I received the replacement card today XX/XX/23 but the balance is XXXX dollars. I called US Bank again today & discovered there was a fraudulent charge of {$500.00} at a XXXX in XXXX, Mississippi on XX/XX/23. I live in XXXX, Tennessee & have never been to XXXX, Mississippi. US Bank says it will look into the matter & respond within 90 days. This is an inadequate & much too slow response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Called credit bureaus Requested information be removed as I did not give them permission to share my information and since my personal information has been leaked in date breach
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN Accordance with the fair act this creditor had violated my rights 15usc1681 section 602 it states that i have rights to privacy 15usc1681 section 604a section 2 also states a reporting agency cant furnish account with out my written instruction 15usc1666ba creditor cant report a consumer credit late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19064
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am victim of identity theft. Someone tried applying for a credit card in my name. I have reported these actions to the police department and also to the FTC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: AGAIN my wife and my transfers from US Bank to XXXX XXXX is taking too long. When the requested date of maturity to distribute the CD is 22 days late on XX/XX/XXXX. I initially bought my CD 's from State Farm Bank. The government transferred my CD 's to US Bank. US Bank is not equipped to handle these funds. This is my XXXX complaint. It takes XXXX hour to get to talk to someone at US Bank to try to find out where MY MONEY is. This bank that the government transferred my money to is understaffed and incompetent. They charge me a yearly fee for my wife and my accounts and a transfer fee for each of my CD 's. I did not sign for any of the charges when I was with State Farm. The last XXXX complaints resulted in getting an apology letter from US Bank. This dragging of their feet with slow transfer is costing me money. They are floating my money. I dont want another apology letter, I want results. I have about XXXX more CD 's with this company and I am going to transfer as soon as they mature. I am looking into other agencys to complain to to get help. An appology letter from this company does no good.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I tried to make a purchase in-store at XXXX & XXXX ( XX/XX/2023 ) and VISA gift card was declined. I then tried to make a purchase on XXXX for {$100.00} ( XX/XX/2023 ) and card was again declined. I then tried to register my XXXX gift XXXX and was unable to do so. I called the hotline # and spoke to XXXX about it and was told I needed to submit a complaint online and upload photo documentation to resolve, which I had already attempted to do because there was no link to actually register the card on the website. I attempted to do so again and an error stated to " Contact hotline number to resolve issue '' It's an endless loop of declining any in-store purchases and any online purchases. There are hundreds and hundreds of complaints against this company for doing the exact same thing. They're stealing our money by declining our purchases and refusing to issue a refund or a new gift card. This is a scam company!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A