Date Received: 2023-07-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2023 FACTS : 1. I have checking account with US Bank. 2. On XX/XX/2023, I released {$100.00} payment on my cell phone on XXXX XXXXXXXX XXXX app using my routing and account number. 3. My XX/XX/2023 never made it over to XXXX XXXX. 4. US Bank has my {$100.00} from XX/XX/2023. 5. I want my XX/XX/2023 {$100.00} deposited into my US Bank checking account now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85258
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was opening a checking account online with US Bank. I got approved on XX/XX/XXXX. I submitted my form for the opening deposit transfer request, selecting credit card funding. An agent from US Bank called me and I gave her my credit card information to charge {$2800.00} as my opening deposit. I called a couple of days after to check if indeed my money was deposited to my new US Bank checking account and the agent I talked to confirmed. I called again to make sure the {$2800.00} counted toward the {$5000.00} that is required to deposit to this new checking account in order to receive the {$500.00} bonus that US Bank was offering. She said it didn't count because I used my credit card even though it was one of the options on the request form. On XX/XX/XXXX, I transferred {$2500.00} out because she said it didn't count. On XX/XX/XXXX, I tried to look at my US Bank account online and it was disabled. I called and they said US Bank closed my account. They still have my {$300.00} remaining deposit up to now, XX/XX/XXXX. They said it was closed because of suspicious irregular activity. I don't see anything irregular about the transfers that I did esp when it was only open a few days ( 13 days ) then they closed it. I think it's because they didn't want to pay me my new account bonus of {$500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
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: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a XXXX XXXX XXXX debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above XXXX XXXX with a court hearing date of XX/XX/XXXX at XXXX am. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened an Elite Money Market Savings Account with US Bank on XX/XX/23 because they stated that they would pay 4.5 % interest if I had more than XXXX deposited in the account. I had approximately XXXX in a treasury bond mutual fund at XXXX XXXX that was paying about the same amount, and since the savings account was with US Bank, where I also had a checking account, I figured it would be more convenient to just move the money to this savings account and earn approximately the same amount of interest. I had the money in the savings account for approximately 2 months, during which time I verified that I was getting paid interest at 4.5 % on the money. At the end of the third month, I noticed that I was paid less interest, despite having more money in the account and the fed funds rate having been increased during that time. I did some research and determined that I was paid at a 3.45 % rate during the third month ( XXXX ). I checked the terms of the agreement and didn't see anything about the rate decreasing after the first couple of months. I also checked online and determined that the promotion was still active on the US Bank website. I called US Bank and they gave me a variety of explanations about why I wasn't getting the 4.5 %. This included telling me that I didn't sign up for the 4.5 % rate, an explanation which was provably false because I was paid at that rate for the first two months. Eventually they told me that I signed up for the 4.5 % promotion, but that promotion had been ended and an identical promotion had been put in its place. Thus, my promotion ended and the rate decreased, while it appeared as if nothing had changed. They did not provide me with any notice that my rate had changed and instead took these actions in such a way that I believe they were trying to avoid having the consumers notice the change. I told US Bank that I thought this was a deceptive business practice and that I was going to pull my money out of the account and close it. I will put my money back in the mutual fund, where I won't be subject to the fund owner trying to trick me into providing me less interest. I later went into a US Bank branch to move my money out of the savings account and the customer service specialist told me that the 4.5 % rate was still going on and that I didn't have to close it. I explained to her that she was misinformed and that US Bank was cycling people out of the promotional rate and then restarting an identical promotion and that she could check my rate if she didn't believe me. She checked the rate and didn't understand why it wasn't 4.5 %. I told her not to worry about it and to just move the money and close the account. So, even US Bank 's own employees didn't understand the functioning of this financial instrument, or the method by which US Bank is providing customers with less than the advertised 4.5 % rate.
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: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: To whom which may concern, I bought the {$500.00} Master Gift card ( ending in XXXX ) at a grocery store on XX/XX/XXXX. When I tried to check the balance and register the card, it said I needed to call in. Then I made the call on the same date and the representative told me the card was deactivated due to safety reason. He asked me to submit a form online XXXX XXXX XXXX XXXX XXXX then it would take about one week to get the replacement card. I then went to the website and filled in all the required info the same day. However, I have not received any replacement card as of today XX/XX/XXXX. I called the customer service several times and they said they did not receive any of my forms. I tried to go to the website to submit the form again but the website kept saying " Your request can not be completed at this time. Please contact the number on the back of your card. '' The phone representative could not help and even hung up my call. Is there a way to get my money back? It has been about three weeks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
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: 2023-07-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. All terms were met and I had contacted them more than 10 times over the phone and spent hours and days on getting this {$400.00}. Finally they declined by saying the account was approved on XX/XX/XXXX which made me disqualified for the bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the information that was reported to XXXX by your institution, U.S. BANK CORPORATION. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in XXXX XXXX XXXX ( a ). According to the XXXX XXXX ( XXXX ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for U.S. BANK CORPORATION to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers. Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information. I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter. Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97203
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: 2023-07-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought 3 XXXX gift cards issued by US bank from XXXX. 2 of the 3 cards can't be used and got declined when I tried to use them. I called the number on the back of the card, I was told to submit documents to XXXX for card replacement. I submitted all documents for one XXXX gift card. but the website gave me an error when I tried to submit documents for the 2nd XXXX gift card, I tried several times and it always gave me error and it didn't go to the next step for me to submit documents. I called the number on the card again and was told the website is the only way to submit documents for replacement. so I am stuck and with no way out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Notified by US Bank Rep that my US Bank Business Credit Card was late on payment despite no notification via my personal online banking profile or email. My bank statement said I owed {$0.00}. I made payment with the US Bank Rep over the phone for minimum payment. I was notified by the US Bank Rep that she would put in something so I can see what I owe on my personal banking profile. This would occur on Monday XX/XX/2023. I was also notified that US Bank will reach out to me on Wednesday XX/XX/2023 in order to establish my business profile where I can see the statement, make payments, and be up-to-date on the account. As of right now, I only have my personal online banking profile login and I need to establish the business online banking profile so I can see my balance, make payments, see the statement, and so on.
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: 2023-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A