Date Received: 2023-07-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Silver Business Checking account with U.S. Bank on XX/XX/XXXX with promo code XXXX. The terms of this offer state that : - An individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App using their business profile within 60 days of account opening. - Earn your {$500.00} Business Checking bonus by opening a new U.S. Bank Silver, Gold, Gold with Interest or Platinum Business Checking account between XX/XX/XXXX and XX/XX/XXXX. You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$5000.00} until the 60th day after account opening. I enrolled in U.S. Bank online and mobile banking, and I deposited {$5000.00} shortly after setting up my account. I have satisfied all parts of the bonus ( confirmed on a call with U.S. Bank on XX/XX/XXXX ). The U.S. Bank representative opened a case and stated a 2 business day response time, but I have not heard back. Therefore, I am escalating the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: When I was a US bank customer there was several accounts closed due to fraud. I would submit all the paperwork they'd ask for police reports etc. And they would not do anything about it. They would say it was me authorizing the transactions when it was not true. One of the bank tellers when as far as opening a close Friday fraudulent account and reissuing a debit card and sending a pin for it. When I tried using the card it said that the card was not activated. So my question is why would he have opened a fraudulent account back up and issued a debit card? Then I was kicked out of the bank and found out that the employee had been temporarily dismissed from that bank or whatever it was and then he was back. I was threatened by the manager and several of the 10 bank tellers and they were and I was told not to return to the branch when I asked for paperwork that I was entitled to as far as bank statements to see where the transactions, the amounts, dates, etc
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I paid my REI Credit Card bill of {$370.00} to Elan Financial on XX/XX/2022. The REI credit card account was then taken over by XXXX XXXX. XXXX XXXX began sending me a bill saying that I never paid my bill. Ive made calls to Elan Financial and theyve stated that they sent me a refund check that I never cashed and their records show the same. They refuse to reissue a check or better yet, transfer the {$370.00}. I have spent XXXX hours trying to resolve issue with Elan and XXXX. I have cooperated with ELAN and opened investigations and sent all necessary documents and they still refuse to refund my money that they state that they are holding and there is nothing they can do. Both will not resolve the issue. Elan has my money and REFUSES to cooperateI am beside myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44012
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Elan Financial Services is destroying my credit rating- for the past 7 months, I have called 4 times to cancel this credit card. Every time I call- they tell me I can not cancel because they : 1 ) can not take a payment and cancel the card 2 ) can not give me access to the online portal and cancel the account 3 ) give me the cash value of my rewards and cancel the account 4 ) can not give me the cash back rewards as cash. 5 ) can not give me the earned cash back and cancel the card. I have not used the card in 5 months and they continue to charge late fees and report me for late payments even though I continue to ask them to cancel the card. They hang up and send me to the machines. The average call time is over 30 minutes. The people refuse to cancel the card and they refuse to even interact - saying that they don't have access to my account and then put me back through the answering machine. They continue to report delinquent payments on the card and charge me late fees and send me non-payment emails. Always saying that they can not cancel the card - suggesting that I have to wait, and have to be called back ( though never am ). I feel this is a predatory practice and Elan services is not working for their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97211
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Around XXXX on XX/XX/XXXX, I was shopping on the US Bank website for CD rates and to see whether the bank required new money for what appeared to be competitive rates. I started filling out an application online and entered $ XXXX for a term of 11 months. When the application got to the part asking if the account was to be joint, I exited out into order to sleep on it and follow up in the morning. The next morning, I went back online to complete the application and open the CD and found that it had already been opened. $ XXXX had been transferred without my authorization and opened the CD. I called US Bank immediately after seeing the open account and have had multiple calls to US Bank customer service and wealth management department, the branch, all the while being told this will be investigated to see what happened. I was told on XX/XX/XXXX that they would fix it and put $ XXXX back into the account. A week later, this hadnt happened. I called again and was told that wasnt possible. Then I agreed to keep the $ XXXX for 11 months and had to do a zoom meeting for the signature. I was assured by the guy doing the zoom call, he would submit this to have it investigated as well. I was sent a survey asking how the service had been so far with US Bank and I outlined what had happened. Today, XX/XX/XXXX the branch manager called me and said the process US Bank uses is that if you start an application, you have opened the account and thats the way it is and Im not the only one whos had that happen to. He also said the branch is not the same as online banking. I requested the manager submit a request to investigate the online banking process for opening a new account since there were no stopgaps before opening and I did not authorize opening the CD. Online investing and opening new accounts should have several confirmations before the transaction is complete. There should be a higher level of accountability with online in order to insure the customer is truly authorizing the transaction. In the branch, in person, theres no question because the customer is present and signing a document. Theres not that level of security online and several requests for review and confirmation should be required before authorizing the transaction.
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: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
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: On XXXX XXXX, XXXX I requested a balance transfer of {$5600.00} to pay my XXXX 's XXXX credit card. XXXX, XXXX, I noticed on my XXXX XXXX statement that my {$5600.00} had not been credited. I contacted XXXX to inquire about my payment. They asked me to send proof of payment. On XX/XX/XXXX, I sent proof of payment. XXXX credited my account temporarily pending their own research. When they researched, they found no payment received. I continued to argue with them for several months. They would credit my account pending research and then re-debit when no payment was found. On XX/XX/XXXX, I opened a complaint with you, the Consumer Financial Protection Bureau. After much research, you closed the complaint. So if you are satisfied that XXXX never received the payment, SouthState Bank must never have sent it. So I am hereby opening a complaint against SouthState. XXXX XXXX requested from Southstate the Routing number and account number to where SouthState sent the funds. SouthState only sent a reference trace number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I responded to an offer from associated bank for {$200.00} bonus after spending {$1000.00} within the first 120 days of opening, i fulfilled the requirements by ordering a commemerative coin from the U. S. Mint, the bonus was denied by associated bank claiming the purchase was not eligible. No where on the offer does it state purchases from the U. S. Mint are ineligible. The person handling the account in XXXX XXXX is XXXX XXXX XXXX When I called her about this she said she would follow up for me. I called the next day and was put on hold and XXXX never picked up or called me back so i called another associated branch and reached a manager named XXXX XXXX ( his phone number is XXXX ) who said he was going to work on getting my bonus. The next Monday i called him and everything changed. I mentioned to him that XXXX blew me off and he said he would not do that but that is what he did telling me there is nothing he could do etc. I feel i'm entitled to the {$200.00}. Please help me since associated probably will not talk to me anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: The US Bank credit card account no XXXX is a fraudulent account. I never ordered this credit card and never charged anything on their either. I filed a FTC identity theft report reference # XXXX already. It appears some employees or officials of the US bank are involved in this identity theft through third party criminals or outside resources. Exact nature is unknown.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, I requested Elan Financial Services ( in XXXX ) to adjust the XXXX billing cycle and due date to reflect the XXXX instead of the XXXX. XX/XX/XXXX- I called to have the monthly due date changed from the XXXX to the XXXX. CSA at Elan said we can do the XXXX. XXXX late fee was reversed. XX/XX/XXXX- I paid minimum due of {$290.00} and saw late fee applied as due date still the XXXX. CSA at Elan said to call back in a few days if late fee not reversed. XX/XX/XXXX- I noted late fee not reversed. CSA at Elan said there's nothing they can do. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/ Account opened with wire transfer for initial deposit of {$6000.00} online after a promo for a XXXX XXXX checking account was received in the mail. XX/XX/23 I called in to get the full account number to set up online access and switch over my autodrafts, but they refused to give it to me even after verifying my identity and business information. XX/XX/23 I still have no access to the wired funds and no full account number and no online access and called in. Was advised to switch mailing address for business checking account by submitting a signed letter via email so they can change the mailing address for direct receipt of the refund. I requested account closure. US Bank requested a address change letter since account opening disclosures were not yet received ( at business mailing address ) since account was so new. Letter requested mailing address be updated to my personal address so refund can be received timely. XX/XX/23 Email sent to XXXX using XXXX XXXX XXXX. I requested account closure in writing and refund to be expedited. XX/XX/23 Inbound call from US Bank stating letter received, but must be notarized. XX/XX/23 I emailed the notarized address change request letter. XX/XX/23 A followup email was sent after no refund was received almost 30 day later advising no payment had been received. XX/XX/23 I called in to followup and was told the check was stop paid since it was mailed to the old address and was re-issued. Then was transferred to a manager who advised refund was not re-issued yet as they sent out an Affidavit of Loss via postal that I would have to get notarized and send back to get them to reissue to refund. I objected stating they made a mistake, not me, and need to simply correct their error without having me to do additional tasks. I requested higher escalation and was promised a call back without resolution. XX/XX/23 I called in to followup as no mgr has called me back, and no Affadavit has been received for me to sign, and no refund is even on its way according to U.S. Bank. I XXXX XXXXXXXX today who advised the address change letter was never processed properly and he would send to Business Services Dept to process the address change so the chain-of-never-ending requests can start again. He advised once the address is changed, the original check can be stop paid and somehow all this will eventually lead to my refund being issued. I am in limbo and 2 months later this company is still playing with me and holding my money. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A