Date Received: 2024-02-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been dealing with this issue with the US bank for a year now and they still have not resolved this matter. My account was closed on XX/XX/XXXX and they issued me a cashier 's check which I did not receive. I contacted the bank and upon their investigation they discovered that the check was stolen and someone fraudulently changed the name and deposited the check into their account. ( That information was provided to me by the bank ). I filed a claim to get a replacement check and I have been waiting ever since to get my money back from the bank. The problem seems to be that no one is able to provide me with the correct information regarding my claim. I have reached out to the customer service also visited the branch so many times hoping to get some answers and get my money back. Last time I spoke to the bank they told me that I should receive the check some time in XX/XX/XXXX but that did not happen. I went to the branch office on XX/XX/XXXX. I was working with the client relationship specialist to find out what is going on and this is what I was told. ( refer to the attachment ) None of this make any sense. I just want my money back. This is very frustrating. At this point I want to take legal action regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: we got alerts that our credit card was charged, charges we did not make
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02474
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Last XXXX I called US Bank ( approx XXXX ) as I was unable to create an online account. I was escalated after being told my personal information was incorrect. I was told it would be corrected. Last Saturday XX/XX/2024, I called to ask if I could have a due date change as the pmt is too close to my mortgage. Rep said she could not service me because I was giving her an incorrect date of birth. I was told to go to US Bank with an ID or call the dealership. How did US Bank approve a loan with an incorrect date of birth? Why am I being penalized and unable to do anything except send them money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX of 2023, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to XXXX and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goes, US BANK never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but US BANK repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact US BANK, but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened US Bank checking account for {$500.00} bonus if I made {$6000.00} in direct deposits within 60 days of account opening. XXXX : date account was opened - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit - XX/XX/XXXX : {$2500.00} direct deposit After 90 days have passed since I completed the {$6000.00} direct deposits, I have called US Bank multiple times to check on the status of my bonus. I have been told different things each time. At first, I was told that I have met all requirements and bonus should be hitting my account within 30 days. Then when I called back again, they said I should have received the bonus already so they will open up a case to investigate and will update me once they finished their research. I never got a call back so I followed up again. They said they will file another request for me to get my bonus, but I still never received it. The last time I reached out to US Bank, they finally said that I did not meet the qualifications of the promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX of 2023, My pension amount of {$240.00} stopped coming to my Bank, which was XXXX XXXX at the time. XXXX XXXX XXXX with US Bank. So now my Bank is US Bank. The problem is since this merger I have had trouble receiving my pension amount from XXXX XXXX XXXX which is where the amount of {$240.00} was supposed to be coming from to be deposited into my bank account. US bank claims they are not receiving these funds anymore, yet I am still receiving direct deposit summaries from the XXXX XXXX XXXX. So the Bank no longer has my money they claim, and XXXX continues sending receipts that its being deposited somewhere because they are sending monthly deposit summaries. I continue to receive from them with the amount of {$240.00}. I have tried to resolve this with XXXX XXXX and with XXXX, but the same thing continues to happen with me not receiving my pension payments. Neither party is taking responsibility and acts as if its my fault and continues to say the same thing and that is US Bank claims that they are not receiving anything from XXXX and XXXX continue to send Direct Deposit Summaries.In XXXX, I have requested that XXXX start sending my pension funds directly to me, but so far, I havent received my pension payments. XXXX states that they are sending my payments to Money Market Retirement : XXXX : XXXX XXXX XXXX, Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX is the correct Bank number address, but they must have gotten confused because I told them the name of my bank is US Bank XXXX NOT Money Market Retirement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened a bank account under promotion and did not receive any of the promotion. In fact the bank began charging fee that were not told to me about. Account that were signed up are : 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: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. ( 15 USC 1681 section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account Without my written instructions under ( 15 USCS 1666B ) states a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as a late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to go deposit {$1700.00} into my U.S. Bank account and I accidentally inserted my XXXX ATM card instead of my U.S. Bank ATM debit card accepted the XXXX debit card even though they said their machine shouldnt have took my pin number let me into the account let me deposit the money cash into the machine but then the machine said the machine error said it was giving me some or none of my money back returned my card with a receipt and on the receipt it showed which card I used to make the transaction and a message saying that there was an error with the machine and either gave me XXXX or none of my money back and to call the bank I called the bank to make a complaint and because I didnt use my U.S. Bank card. They said they couldnt help me. I called XXXX and XXXX said they never seen any transaction that happened that day at that ATM because their cards shouldnt even be allowed to go into the us bank ATMs. I went back to us bank and and told them that I did indeed use my XXXX in their atm and that their receipt clearly shows that and they said they are not part of money pass and that their machine should not have taken my XXXX card, and that the only thing that I could do now was to contact the cfpb because those are the only people that are going to be able to get the correct information like what card was used and look at the U.S. Bank deposits from that weekend so that they could compare them with the amount of money that was counted after the weekend and then they would see that there was an extra {$1700.00} that was deposited into their ATM machine at that bank that wasnt accounted for and that you guys could also get the video camera footage of me putting my card into the ATM putting the money into the ATM and never getting any money out of the ATM thats verifying again that I put {$1700.00} into their account that they have extra now thats unaccounted for that they never deposited into my U.S. Bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58601
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hi. I am reaching out with regards to U.S. Banks practices around their CD maturity process. The Company makes it extremely easy for customers to renew their CD with just a click of a button through their online portal. The Company, however, makes it much more difficult to close a CD and requires Customers to call in their customer service line or visit a branch in-person. U.S. Bank relies on customers not going through this process and having their CDs renewed automatically at the banks preferred rate. Only renewal can happen online. As seen in the attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A