Date Received: 2023-08-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back on XX/XX/2023, about 5 months ago. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10019
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back in early XX/XX/2023. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account. It has been 5 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10019
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a bank account with US Bank for many years. I closed this account early 2019 with a XXXX balance after a dispute with US Bank and a fraudulent purchase on my account with XXXX XXXX ( I filed the dispute with them and had it removed ). I only had my checking account with US Bank with a debit card. Now, years later they are telling me that I had a credit card with them ( NEVER HAD ONE ) and have a collection account with them over {$2500.00}. I have called them repetitively and explained to them that I never had a credit card and closed my account with a XXXX balance ( the bank account with the debit card ). I have spent XXXX 's of hours on the phone telling them my old bank account number and now it's mysteriously disappeared from their records. I know US Bank has had major lawsuits from illegally opening certain accounts in peoples names that had other accounts with them. They refuse to send me the documentation showing that I opened a credit card ( only stating I made purchases and owe over {$2500.00} ) I told them any purchases were made from a debit card with the associated checking account I had and I closed my account with a XXXX balance. They refuse to help me and are submitting fraudulent information to the credit reporting agencies stating I owe a lot in collections from credit cards. For documentation my bank account with them was XXXX. Recovery department refuses to give me copies of my bank statements. I am going into a US BANK branch today to demand copies of my statements which I can then upload for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80403
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I went to Kroger to do a cash back transaction for {$5000.00} to make a purchase, after swiping my card I was informed they didnt have enough cash on hand so they would be giving me {$2500.00} in cash and returning the remaining {$2500.00} to my debit card via refund. Fast forward to XX/XX/XXXX at XXXX XXXX a refund from Kroger is posted to my account and immediately after it was deducted showing debit merchant credit hold adjustment I contact XXXX and they claim they do not hold funds and that I should reach out to the merchant. At that time I reached out to the merchant and reached out to XXXX with both on the same recorded line so that they could speak with one another since I was being referred back and forth with Kroger saying its my bank and my bank saying its Kroger. At that time Kroger explained to XXXX at XXXX that they are not holding funds and once a refund is released they cant take it back so it is obviously a bank error and they provided us both XXXX XXXX and I with the authorization code for the refund. XXXX is still adamant they arent holding my funds which have yet to be released so at this point no one knows why or whats going on and arent able to tell me what the hold means or whats its for or why this is even happening! This has put me in a very dangerous situation as I am now stranded out of town because that money was being used to purchase a vehicle and Im in a rental that I dont have to funds to continue to pay for while 8 months pregnant and with my 6 other children. I have requested supervisor and escalations and no one has yet to contact me or get this issue resolved! I have provided the refund receipt and they have the authorization code and have confirmed all this with Kroger as well but still nothing has been done to release the refund hold. I need immediate assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I have emailed US Bank, visited US Bank, called US Bank- going back months and months ( US Bank will have a record of everything ). I have not lived in the state of Kansas for over XXXX XXXX. I have never had a safety deposit bank with my XXXX XXXX XXXX mom- XXXX XXXX XXXX who lives in XXXX XXXX XXXX Kansas XXXX I have notified US Bank in person and using their online complain system. I have spoken with customer service- nobody returns any attempts. US Bank continues to bill both my XXXX XXXX XXXX mom and me- and have been doing so for years. ( see attached )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have an account that was opened in my name by an ex girlfriend that i didn't know anything about. We broke up and she continued using it and paying for it with my account but I've never seen a bill. We have since broken up and she's moved out, and she must have stopped paying the bill even though i don't know where the statement goes to. Now i am being harassed by them to pay the balance and its for nothing that I've purchased and i don't have the money to pay for it. They won't help me go thru the fraud department. Please help me to get this straightened out and removed from my credit.
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: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX owes me money. They have garnished my credit score for a claim of thousands owed. They have in part made me homless, carless, and unhireable due to the debit I paid in full, reopened the bank account and am being told to repay the same debit after it was already paid settled. The XXXX XXXX fraud case for settlement of {>= $1,000,000} owed to consumers is what their trying to get away with SHYSTING people like me. I have suffered damages because U.S. Bank give my information to criminals with their FRAUD business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Applied for a home equity line of credit. I am XXXX years of age. I have my assets within a revocable trust. US Bank, after I completed all other steps, would not accept my Trust without explanation and stated I would have to draft another Trust. I am an attorney who drafts Trusts and litigate Trusts disputes in California. My Trust meets the appropriate standards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check from my employer XXXX XXXX XXXX in the amount of {$1000.00} on XXXX XXXX at XXXX into my checking account through ATM. Immediately after I deposited my check {$230.00} was available at my leisure. I spend {$40.00} out of that amount which wouldve left me with {$190.00} Later on that day I tired to make a purchase and to my knowledge my card declined for insufficient funds. I then call the bank to see what the problem is. I was told that the money I did have in the account was on hold and that my checking account is now in the negative for the {$40.00} and my deposited check would be on hold. Now I am being told I cant receive all my funds until the XX/XX/2023. I have bills and to hold a check for that long? Ive never experienced this before at any other bank Ive banked with. This is unexpectable. US bank is also refusing to give me back the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A