Date Received: 2023-08-03
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I was unable to purchase my medication for upcoming XXXX. I called the card company and was told my zip code was wrong. They claimed to reactivate the card after I asked to speak with a supervisor when they requested all forms of ID including my birth certificate. I feel it was a phishing attempt. I would like to close my account with them after this experience, but I am locked out of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2023 to today Called on main number I'm known for being hacked by people cause the same set of people answer the phone Filed XXXX compliant hwne I talked to the customer service who voice sound like another person from.another business I called aka XXXX XXXX I been trying pay credit card but the error is saying system isn't coorpating. I bee. Calling g trying to get it fixed for the past XXXX days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Hello, I am not a U.S. Bank customer but made an unsuccessful withdrawal transaction at a U.S. Bank ATM located in the same parking lot as the XXXX XXXX at. XXXX XXXX XXXX XXXX, XXXX, CO. Yesterday XX/XX/2023 at XXXX XXXX. I was making a {$320.00} withdrawal but the money slippped out of my hands and ban into the machine. I called 2 branches, was referred to customer service line, went into the branch on XXXX XXXX XXXX XXXX and spoke to XXXX XXXX XXXX who gave me a XXXX # which was supposed to be the number to their ATM Servicing Co. When I called it was the same customer service number. I feel like Im going in circles. Customer Service told me to contact my bank for a claim. My bank said they cant prove that I didnt actually receive the funds. Im just trying to at least get the number to their ATM Servicing Company. That Company will see that the ATM is {$320.00} over when they balance the machine out and if they review the footage they will see that the money fell back into the slot of the machine. I could hear it drop in the machine. and not onto my hands. It was XXXX XXXX dollar bills and XXXX XXXX XXXX XXXX The debit card number ends in XXXX. The AID number is XXXX. I will also be reaching out to my base XXXX office to advise on the best way to resolve this matter. Please do not respond with another run around customer service number I need the ATM servicing Company number or someone at USBank security debt to watch the ATM footage. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My name is XXXX XXXX XXXX. I opened a checking account with the U.S. Bank and deposited of {$15000.00} on XX/XX/. When I opened my account, I did not include " XXXX '' as part of my middle name as I remember it shows optional on the registration form online. My account with the U.S. Bank is under XXXX XXXX. The U.S. bank closed my account on XXXXXXXX and sent me a letter explaining that they believe the account was opened with someone's else name and personal information. My fund of {$15000.00} is now being held indefinitely by the U.S. Bank on their hold over account. The fund was deposited using my XXXX XXXX account which is also under my name. I have since spoke to them twice about the account with their Customer authentication and Fraud Experience ( CAFE ) Department who originally sent me the letter about the closure of my account. On the first encounter on 07//21//2023, I spoke to XXXXXXXX. She mentioned that the fund is being held because they can not verify the identity of the account until I sent them the copy of my Driver 's license and Social security number to their email provided which is XXXX and she provided me the reference number for it XXXX. I sent them both of documents requested through email. Today on XXXX, I called the CAFE department again to ask about the status of my fund, the first customer service said they could not find anything about the fund being released, so I asked to speak with the higher up person. I spoke to XXXX XXXX from the CAFE department of the U.S. bank and she now mentioned that the fund will be held indefinitely because they can not verify the account. I asked her what I can do to show that the account belongs to me, and she said there is nothing else she can do to release the fund. I have provided all the documentations needed to show that the account belongs to me. I even provided the copy of social security number which is the same I used to open the account. My driver 's license shows my correct address and date of birth. I really needs help to have my fund released. I can provide all the documents needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with US Bank never received my card and when I did finally receive my card their were transactions, I didnt make so I did one dispute, and US Bank did multiple Now theyre holding my money hostage soon as they sent me a card my account is on hold so I cant redraw any money and US Bank said it will be a check and I never received that either
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71901
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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 started a dispute with US Bank regarding my card, no response for weeks. I get a few phone calls, from called ID blocked numbers or numbers that have no results in an internet search and are not listed anywhere on usbank.com, the caller claims to be from US Bank but I need to " verify '' first by providing confidential - super bad idea for me to go along with this so I tell them I think they are a scammer and hang up. I get an email, again from an email address listing a person and phone number that is not independently verifiable asking me to call - I respond that I will not call the number because the information in the email is not independently verifiable. No response Today I find out they are closing my credit card account, perhaps all accounts, it was not clear, because or disputing a charge. Ridiculous and completely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57103
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, MidFlorida, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34234
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new personal checking account online with US Bank on XX/XX/2023 and transferred {$15000.00} internally from another of my checking accounts with US Bank to fund the account ( same day ). On XXXX I realized that I needed to move {$5000.00} back to the account where the {$15000.00} came from in order to cover a payment my spouse made to our credit card, so I went online and attempted to make the transfer when I received an " our system is not cooperating '' error. I next signed into the mobile application and attempted to make the same transfer and received a similar error. After receiving the 2nd error I dialed the customer serviced department to request help with the transfer. The 1st phone bank representative hung up on me after waiting on hold for 18 minutes so I called back and spoke with another representative who informed me that my account had a hold which they would need a supervisor to remove, I was then placed on hold and after 16 minutes was disconnected/hung up on. I then called in for a 3rd time and spoke with a representative and explained the situation, she also put me on hold and then tried to transfer me to the fraud department to see if they could help remove the hold. That agent attempted to remove the hold and also hung up on me after many minutes on hold. I then dialed the fraud department directly and explained the situation and was placed back on hold for over 20 minutes, the representative came back on the line and informed me the hold would be removed the following day, I request to escalate to a supervisor in an effort to get access to my funds same day ( still no explanation of why a hold was placed ) and the representative again hung up on me. On my final attempt and 5th call I was helped after a 24 minute hold. I then asked to speak with a supervisor regarding my poor treatment and wasted time and was told " no supervisor was available ''. I then asked to be connected to a peer of the representative 's supervisor and was told that is not an option and was hung up on. To be clear, I never raised my voice nor did I become agitated. I calmly asked for help and expressed my frustrations over being disconnected repeatedly. My complaints are 4 fold : 1 ) Why was there an account hold put on my funds ( internal transfer from my own account which I could not get access to ) and why wasnt I made aware of a hold being placed and not being granted access to my funds ( which were from an internal US Bank transfer )? 2 ) Why was no one able to help me ( 5 attempts of me calling in ) find a solution in a timely fashion? And why did no one attempt to call me back after disconnecting my call? 3 ) Why were representatives hanging up on my repeatedly? How is that an appropriate approach to resolving a client issue? 4 ) Why was my request to speak to a supervisor to express my dissatisfaction with the above complaints was I told " that is not an option '' and no other supervisors are available? And was then hung up on. I would be 100 % supportive of the inbound calls I made to be reviewed by a CFPB representative to corroborate my story. Thank you, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Unfamilliar transactions has occured so my bank decided to close y account. My paycheck was deposited on XX/XX/XXXX and i was told from my bank that they will reject it and send it back to my employer but a banker told me it went through even though my account is already close. Now i dont even have access to my own money that i worked for. Also the banker that i spoke to told me that she cant give me a timeframe of how long it takes to review my account before they release my money. I am very upset because im late on my rent because i cant access my own money.I cant even see whats going on with my account because I dont have no access to my usbank mobile app and all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I wish to have all credit cards accounts removed from my consumer report account that's share my personal experiences threw third party public traffic. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information 15 U.S. Code 1681
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A