Date Received: 2023-08-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a account with US Bank. Had several deposits made into the account. Then after about a week they froze the account disconnected my debit card without reason. Went to the Branch verified my identification after several attempts still was not able to access my money. Spoke to a manager said that they would fix it still was not able to access my money. For over two months almost 3 I have not been able to access {$1600.00} of my money. No one will give me a just reason and I have asked for the release of my money several times including going in person to pick up a cashiers check that I was denied. Due to this I have now had been charged massive amounts of late fees and been late on all my bills including my rent and I am losing my home. And still have not received my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 677XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: so i filed for disput on fraud that cause the scammer was impostering as a doctor now on XX/XX/XXXX I talked to my case manager about this dispute for over an hour in detail. i asked if he wanted the emails an dhe said no on XX/XX/XXXX I received a email saying regarding the claim mentioned above on XX/XX/XXXX a case processor you spoke with agreed to a extension. i called us bank to have my case manager call em. the next morningthe case manager called me and I asked did we ever talk about a extension and he said no, I asked is there any not of a extension he said no and then I asked do you know anything about a letter of a extension and he said no. then I asked what exactly do you kneed information wise and he said just dates and ia sked do u want the email and he said so around XXXX I called back fought for XXXX min trying to give the dates. XXXX XXXX I received a letter sayinwe requested additional information from you concerning your dispute unfortantley we have received a response to our request. there for you claim is denied I called the card member service department and they are avoiding the subject cause these leters are false document then ic called the police and they told me to contact the beru
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76133
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Urgent Complaint - Unresolved Debt Affecting Credit Despite Statute of Limitations Expiry Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an urgent matter that has been significantly affecting my credit history for far too long. A longstanding debt associated with my account at US Bank has remained on my credit report despite the legal statute of limitations expiring in 2017. Moreover, I have not received any notice or communication regarding this debt during the years leading up to its continued reporting, which is causing severe damage to my creditworthiness and overall financial well-being. As a responsible consumer, I have always strived to fulfill my financial obligations and manage my finances prudently. However, unforeseen hardships during the time of this debt 's origination hindered my ability to address it promptly. I had hoped that the statute of limitations would provide relief and allow me to rebuild my credit, but regrettably, this has not been the case. In accordance with the applicable laws and regulations, debts are meant to be removed from consumers ' credit reports after the statute of limitations has elapsed. It is both concerning and distressing that this debt remains on my credit report, adversely affecting my creditworthiness well beyond the legally mandated period. Adding to my distress is the fact that I have not received any notice or communication from US Bank regarding the existence of this debt in recent years. Had I been aware of this debt 's presence, I would have taken the necessary steps to address it diligently. However, the lack of any such notice has left me blindsided and struggling with the consequences of its lingering appearance on my credit report. I respectfully request that the Consumer Financial Protection Bureau investigates this matter promptly and ensures that US Bank complies with the appropriate regulations governing credit reporting and debt expiration. I firmly believe that this debt should have been removed from my credit report in 2017, and its continued presence is both unjust and damaging to my financial standing. I am more than willing to cooperate fully with any inquiries or actions taken by the Bureau to resolve this issue. Enclosed within this letter, you will find relevant documentation substantiating the date of this debt 's origination and my efforts to address it within the applicable statute of limitations. I sincerely hope that the Consumer Financial Protection Bureau can facilitate a fair and expeditious resolution to this dispute, allowing me the opportunity to rebuild my creditworthiness and secure a stable financial future. Your intervention and support in this matter are of utmost importance, and I eagerly await a positive resolution. Thank you for your attention to this critical matter, and I appreciate your commitment to safeguarding consumer rights. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95695
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: 2023-08-05
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: Booked a hotel reservation online for XXXX XXXX wanted to change room type so had to cancel in order to book e room type. Honestly did not see the non refundable cancellation policy. Completed my stay abd paid credit card but hotel merchant XXXX wants to charge me two separate cancellation fees ) XXXX each! This was not clear to me and I am disputing this charge! The XXXX XXXX in XXXX, XXXX and XXXX refunded me these amounts but USBank will not refund my card and remove charges! I have been back and forth since XX/XX/2023 with many calls, letters, emails and faxes. I am requesting your assistance in this matter to reverse the fees on my bank account with USBank and remove these charges. Thank you. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hello, I applied for the US Bank Korean Air Skypass visa and was issued a credit card with an erroneous skypass #. This means that all my rewards points are going to an account that does not belong to me and that I do not have control over. I have submitted 2x tickets. 1 ticket was around the end of XXXX XXXX of this year and the second ticket was submitted at the end of XXXX of this year. These tickets were submitted to the department within US Bank that handles these requests. The tickets have the information for them to change the skypass # in my card to the correct one, which I have provided multiple times, which is : XXXX. This department can not be reached via phone and according to the supervisor I spoke to with today, not even they can call them, communication is all done through their internal ticketing system. My concern is that someone else may be enjoying my earned skypass miles and may have redeemed them and that I'm stuck with nothing. When I applied for the card, I supplied the correct number : XXXX but for whatever reason US Bank gave me the wrong number. To remedy this, I have tried claiming the erroneous number through Korean Air, but that is not allowed, as it does not match with my last name and birth date, which confirms that the erroneous number US Bank issued me belongs to another consumer. All I want is for US Bank to change my skypass # linked to my credit card to XXXX so I can use my miles that I have earned through my credit card usage. Any help will be greatly appreciated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: US Bank advertised a {$600.00} bonus, which I signed up for with the appropriate code and followed all steps to a T that were given to me by an employee of US Bank when I signed up. They denied this promotion 120+ days later when I filed my original complaint with cfpb. This is when they mailed me a letter with this information and provided that if I still disagree to mail in all documents in regards to the promotion. This was sent in over 3 weeks ago and I've had zero response from the company. Therefor I am attaching all documents here as well. The next step will be legal action. I am already planning on leaving US Bank as I am dissatisfied with the absolute disorganization of their company and their predatory tactics. I would like this {$600.00} promotion paid out to me ASAP or the next steps will commence. Below is the ORIGINAL COMPLAINT with cfpb. ________________ I signed up for a US Bank XXXX XXXX Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible. __________________
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently got a notification from XXXX about a recent inquiry. So I pulled a copy of my most recent consumer reports and noticed an unauthorized inquiry by ( ELAN FINANCIAL SERVICES ) immediately filed a report with the FTC & here I am following up with the CFPB now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02907
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: the XXXX XXXX XXXX services has did an unlawful transfer with a third-party company called XXXX they loaded funds that had no consent, and they had no authority to do such transaction by their policy that clearly states no reloads. Hey then allowed fraud to happen and allowed thieves to take my funds while knowing that these transactions was fraud and without consent.in the amount over XXXX USA Dollars. Hey investigators are unregistered and untrained. Hey, denied all my claims requesting refund of all my money. Congressman XXXX XXXX has also reported that this company stole funds from XXXX. And they still ignored this. Title 1028 shows they are in fraud title 15 1681a shows they violated due process and the permissible purpose. And agreements with in the polices. Hey, shall repay all funds or sue shall be out come they must show how they was able to deal with a third-party XXXX and load funds while they policy state they can not reply back to XXXX in . 72 hours has been given because this company has violated the government and XXXX by fraud actions that they knew was abuse of laws and rights. XXXX is in violation of sending funds to this company without consent and power by policy. Both companies shall pay for every violation they have done they shall send a cash year check in the amount of XXXX Usa dollars in 10 ten days or claim for injuries will go up much higher than requested under the emergency act XXXX request the foreign agent register act of 1938 and anti-bribery act statements for public records or close the business done as computation practices, fraud. XXXX rights affidavit of fact vs theses violators
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a business checking account with USBank on XX/XX/2023 using a promotion the company was offering XXXX with a {$3000.00} deposit. The promotion was for new accounts keeping a balance of {$3000.00} for 60 days would receive a {$500.00} bonus. These were the only conditions to earn the promotion. In XXXX, there was a {$6.00} charge deducted from my account for a paper statement. This fee dropped the account below the minimum amount required for the bonus. I immediately called the 24 hour banking line to fix the error, and they indicated that I needed to sign up for paperless statements. The agent I spoke to was XXXX. In their attempt to help me do so, I was disconnected and then their help line was down when I called back. I followed up because the online system was not allowing me to sign up for paperless statement, saying that I needed to have an email account on file. My email was clearly listed right there and the online system would not allow me to go any further, somehow not reading my email was already entered. I called back and spoke with XXXX ( ticket number XXXX ) and he told me he couldn't help me because I didn't have PIN secure account. He had to order a debit card for me in order to get a PIN. This would take 6-10 business days. I received the card in the mail approximately 10 days later, but was away on vacation and when I returned I called 24 hour business solutions line again. This time they were able to " cobrowse '' with me because I had a PIN number. The agent saw the glitch and that my email was already there, but that it wouldn't allow me to sign up for paperless statements. She reimbursed the charges for paper statements and assured me that it was their error and IT WOULD NOT PREVENT ME FROM EARNING MY BONUS! She further told me if it did affect my bonus, not to worry. They would put in a " research request '' and correct their error. Her name was XXXX and this call happened on XX/XX/2023. She told me my promotion amount should be in the account by XX/XX/2023. On XX/XX/2023 I called again because the promotional {$500.00} was not issued. I spoke with a XXXX with an ID of XXXX and she assured me that they would get it resolved and to give them until XX/XX/XXXX to do so. In the meantime, I noticed another paper statement fee was deducted from the account. I called on XX/XX/XXXX and spoke with XXXX, who said she had no verification ID. She also cobrowsed with me and saw the error that my email was entered and it wouldn't allow me to sign up for paperless statements. She reimbursed the fee due to it being their system issue. She indicated that the promotion amount would be a branch manager issue, and gave me the name of XXXX from the XXXX, CO branch location. She told me it would be his " decision '' to make about the promotion. She tried to get him on the phone but he was unavailable. I finally was able to reach XXXX later that day and he told me that it was not his decision or responsibility and that they were just " kicking it down the line to him. '' He was willing to put in a request that the promotions department take a look at it and he would follow up with me by Friday XX/XX/2023. He has never called me back. I called again on XX/XX/2023 and spoke with a XXXX at the business solutions center. She told me that she could see the request, but that it hadn't been solved yet. She asked me to patiently wait until Tuesday, XX/XX/XXXX. I still heard nothing! On XX/XX/XXXX, I decided to go into a branch to see if I could get it resolved. The manager XXXX was unavailable so I worked with XXXX XXXX. He was able to get XXXX on the line and began asking me questions including WHY I DIDN'T USE THE ACCOUNT MORE WHEN IT WAS OPENED AND IF I PLANNED TO CLOSE THE ACCOUNT AFTER I RECEIVED THE PROMOTION. I told him those questions were irrelevant because I HAD MET THE CRITERIA of the promotion and was owed my bonus. He indicated he agreed and would advocate for me, but that there was nothing more he could do that day. The next day, I received a call from the manager XXXX XXXX from the XXXX branch that I visited ) and he asked " What he could do for me ''. I told him again the story that their online system had a glitch that didn't allow me to sign up for paperless statements and that they were using that as a reason to not pay out my bonus. He asked me to give him a couple of days to research it and he would get back in touch with me by end of business on XXXX the XXXX. Today is XX/XX/XXXX and I never heard back from him at all. It is clear to me that they intentionally design glitches in the online system that make it impossible for consumers to meet their criteria and then they don't have to pay out the promised bonuses. I met all of the criteria that were in my control and they have done nothing but give me the run around the entire time. I have spent hours trying to make them keep their word and it is clear that they are operating dishonestly. I have no other choice but to get you involved and ask that you look into this and help get it resolved. The only appropriate resolution is that they pay the {$500.00} bonus I earned by meeting all the criteria that I was in control of. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In late XXXX I was at my bank XXXX XXXX XXXX XXXX WV and noticed an advertisement for a secured credit card through XXXX XXXX... I inquired about it with one of my bank managers who told me he can set it up for me, I needed it to help me build my credit and if I got approved then they take the XXXX dollar deposit out of my savings account.MY BANK called me the next day and told me that i had been approved for the secured card and that they had taken the deposit out of my account and that I would receive my new card within 7 days. i received my card and activated it and started using it. I put another XXXX on near the end of XXXX, XXXX because I knew that my charges had just gotten posted so I wanted to go into XX/XX/2023 with my payment paid in full while still maintaining a XXXX dollar arability. So the first week of XX/XX/2023 I made about between XXXX and XXXX dollars at best. A couple of days later i was out eating and my card was declined. I called the card company and explained to them what happened. The agent told me my card had been locked for high risk, I explained to him that not only did I have the card but a little over a month my bank submitted all my documents, he said that ID get something in the mail. I didn't get anything in the mail but on XX/XX/2023 i got an email from XXXX saying that i had a closed account so i figured that they would be sending my refund, however i got a bill in the mail for XXXX to make a payment to an account that they closed. Then i get another email from XXXX saying that i have a XXXX point drop in my credit score that a closed account is now reporting late payments. i called Elan Financial to make the complaint which all phone calls were recorded. They kept trying to tell me that i didn't close my account up properly and told the agent the no they didn't close my account right because they were the ones who closed it and purposely allowed their greed for interest fees and late fees for XXXX, XXXX, XXXX, XXXX all these months I had no access to make any transactions due to it was closed in XXXX, and it totally ruined my credit. When when they closed my account in XXXX i had a credit of XXXX and the charges I made were less than XXXX that had already posted yet Elan Financial found it necessary to not refund me but instead not notify all departments that this is a closed account and to be charged nor billed any more period. They kept trying to get me to pay them for XXXX, XXXX, XXXX, XXXX saying that until they apply my credit to all my charges I will still get charged and I kept telling them that I'm not paying for the fraudulent created charges by them and that i will be putting it all in my lawsuit then they sent a letter in XX/XX/2023 explaining the procedure wow XXXX months after they purposely charged me for nothing. And then sent me a check for XXXX which means they charged and took money for the 4 months after they closed my account. It was only one woman who helped me, and she went through all the recorded phone calls and couldn't believe how they were doing me she apologized on behalf of the company and also put a Cease & Desist on my account, so they would stop trying t o charge me. i have documents I'm uploading as my proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25705
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A