Date Received: 2023-07-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/23 I opened an account with US Bank ( account # XXXX. I was promised a {$500.00} bonus if I kept the money there for 60 days. I signed up for e-statements. They sent me a paper statement and charged me {$6.00}. That would make me ineligible for the {$500.00}. I called them, they reversed the charge and I was told it would not affect my bonus. After 60 days I called and they said I was not eligible for the {$500.00} because the balance went under the {$3000.00}. I have called them at least 10 times trying to fix this. I feel they purposely sent me a statement so they would not have to pay me and then they lied about it. I would like my {$500.00} as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Fidelity Visa Signature card c. XX/XX/23 through the online site and the application was ambiguously denied. After receiving the denial, I called on XX/XX/23 to obtain instructions on how to complete additional verification if possible. However, no verification representatives were available during normal business hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX They said there helping but there not and I'm getting XXXX by them and I'm not going to allow it. I'm ready to sue them for there fraud actions now.. This is XXXX XXXXXXXX XXXX scams all over again .. ( XXXX ) XXXX new cell #
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I purchased a {$100.00} prepaid XXXX on XX/XX/XXXX. Immediately after purchase I went online and registered the card and changed the PIN. Today I tried to use it and the purchase was declined. I went online to check my balance and the {$100.00} balance had been zeroed out at a XXXX store in California at XXXX hours on XX/XX/XXXX. This will be the absolute last time i will ever purchase XXXX of these US Bank prepaid cards. I had two {$100.00} prepaid cards that were fraudulently zeroed out less than one month ago. US Bank needs to get their act together and either stop selling these or figure out a way to keep the funds safe for the purchaser of the card.
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: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I recently applied for a government-sponsored travel charge card with US Bank XXXX I received correspondence from US Bank concerning the new account that displayed my full social security number on the visible portion of the envelope. My SSN was printed in full under my name and was visible while in transit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: US Bank Visa Platinum Card company ( https : //www.usbank.com/ ) and Cardmember Service have held my credit balance of {$140.00} since XX/XX/2023. During US Bank acquiring Union Bank, despite that I blocked the Union Bank Card and requested them to send me the credit balance of {$140.00} on XX/XX/2023, I was forced to activate US Bank credit card and open on-line account, for me to able the see the details of transactions that I have not authorized. I have reached out to them multiple times including the dates on XX/XX/2023, XX/XX/2023, XX/XX/2023. They have told me that they are doing research. But, they have not sent me the check amount of {$14000.00}, as they have told me to do so on XX/XX/2023. Today is XX/XX/2023. They have held me fund for 75 days now. I have called US Bank Service Contact # XXXX, and talked to one of the supervisors, XXXX XXXX. She hung up on the phone pretending like she can not hear me after I held on to the phone talking to several service representatives for over 1 hours and 17 mins. Case/Reference # I was given XXXX XXXX Can they really hold XXXX of consumers money like this?! Please advise and help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Creditor Information : US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX USA ( XXXX ) XXXX Within the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is indeed kept private and isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' US BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' US BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, US BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' US BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. US BANK also never credited my account for the certificate of indebtedness. The IRS also claims I am supposed to receive a statement every year because it is considered income, and I never received the necessary forms to do so. US BANK did not credit my account via the Electronic Funds Transfer Act on the interest from the dividend payments they made off my treasury coupons. US BANK is listing my payments as late which is violating 15 USC 1666.B for an open ended consumer credit plan. 12 CFR Part 1026 states Truth in Lending ( Regulation Z ) which protects people when they use consumer credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an XXXX deposit in the amount of {$4900.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oregon ) on Friday, XX/XX/2023. The deposit was to reimburse me for my expenses from a bike repair shop I operate. On Friday, XX/XX/2023 I went into a US Bank Branch in person and withdrew {$2000.00} from a teller. I also stated that I needed a new card but I did not want to use the address on file because I have been experiencing mail theft. I told her I would come back when to request a card when I get my address situation rectified. On Saturday, XX/XX/2023, I went into the US Bank branch to request a card and update the mailing address but instead was informed by the teller that my account has been locked and he gave me the number for the fraud department. I made the call to the fraud department and the rep informed me that the account was closed because there was money deposited in my account that wasn't in my name. I told the representative where the deposit came from and how much it was for and verified all my information. The rep put me on a long hold. She finally got back on the line and told me my account is closed for suspicion of fraud. There was no fraud committed. I verified all the information I could and said exactly where the deposit came from. All this could easily be verified through the sender ( XXXX ) as well. I believe there has been some misunderstanding somewhere along the way. I would also like it noted that initially, XXXX had the wrong account number on the XXXX form. The account was missing the first number, XXXX. So they had to redeposit it to my correct account number, in case this has anything to do with any of this. I would also like to indicate that I operate my community bike repair business as a XXXX XXXX. I am requesting that US Bank return the money from my account that they closed. It has nothing to do with fraud and I ask that a human review the transaction and not a computer. I would prefer to come in and pick up a check for the balance of my closed account or if at all possible I would like to keep the account and banking relationship with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2023 we were contacted by NBT that a number ofCharges at stores and restaurants and we did make. XXXX, the contact person stated that for them through the charges by opening up the case I would have to provide a police report within a week. I agreed to doing such. I had called the police department regarding the identity theft/fraud and they gave me the department that works on identity theft and fraud. I left a lengthy message regarding the necessity to have help with removing the charges. Almost 2 weeks went by when I called them and they were not able to answer but the police department stated that it was one or two individuals that were handling all identity theft and fraud charges but because are so many and may be a long time before they contact me. I informed them of the situation. They stated the case was already closed because I can provide them the police report the first week that it happened. So we then went on vacation to XXXX XXXX in California still trying to work with NBT because it was not our fault that the police department was never going to get to us for a long time. XXXX, contact person would not call us back. Sometimes I called three or four times a week to get no response. On her way coming back from XXXX XXXX were visiting our granddaughter and widow of my brother who passed away a couple years ago the XXXX XXXX sent the text that some was breaking into my house. Because I was on the plane is not able to see what was but just before I took off on the plane I called the person who had keys to continue to feed the turtle and water the plants. He's the only person they had the alarm fob. He stated that he had not been there but had planned to go there now that there was concerned so many broken. I was able to give a quick text to XXXX XXXX that it made a been a fluke because nobody had keys except my friend who had watched the house numerous times before. We got in real late that night but I did take it opportunity to take a look at the XXXX XXXX video of the female coming and going from the house without our permission. Early next day I called the police department in regards to the video and the theft that was reported today before by XXXX XXXX. As it was anybody within XXXX feet of the doorway will start another video. When the police officers were at the house I want to show him the video but because they kept on coming back and forth setting off more videos every time I tried another video would show up making it hardTo show them the video of the person entering the house without permission. I got angry and frustrated because he would not let me show them the video. XXXXne officer kept on stating that I had given multiple keys to multiple people and that's why people broke into the house. I explained to him another two officers that only one person at a fob because he was only persons becoming that house and the way I have lost the keys before has been mechanic making copies of the keys. I explained officers that in XXXX we had given them the keys but within the XXXX. We really get our house keys back not knowing that they had made copies of those keys. Anyways so the police report was made with faulty information based on the police not even considering theft or identity theft as a problem and stating that I was angry and unable to show them the video. The next day I tried calling their superior but he was on vacation for about a week. The soon as I was able to speak to him he stated that officers should've done better for that because it was burglary, unlawful entry and identity theft/fraud. The XXXX. sent that officer that very afternoon to see the video and arrest the female in the video. I was at work because the officer was unannounced so I was not able to bring him the video as I work as a since abuse counselor and I was just about to walk into a class to teach. He stated he would be willing to arrest the girl without even seeing the video. I stated the arrest would have to happen after we confronted the couple and see if there was any way they could take care of the money that was taken. By the way were talking about {$6000.00} on the NBT card, not to mention another {$12000.00} between XXXX, XXXX and XXXX 's cards. When confronted the couple say they were wrong and the wanted to be our friends but because of the financial situation was so bad they found a way to help them through this rough time. The mechanic who had the keys stated that he will do all he can to get the money back for the {$6000.00} not to mention {$600.00} that my wife had in her bedroom as she is using the smaller living room downstairs as her bedroom recovering from ankle XXXX and XXXX. Anyway I contacted NBT regarding police report. I explained to them that the plea support is still pending gathering more information but the information that they had prior to the pending was based on their own perception of the situation. While it was incorrect the XXXX over them saw that their perception was also incorrect. Calling a lawyer and the district attorney they saw that it was incorrect as well. XXXX at NBT stated she did not get a plea support. She stated that they were not opening the case because of the plea support and since I had called and talked to multiple bank individuals about the fraud. I explained to her that her bank called me one a payment for the month was passed and when they discovered that part of it was because of the fraud they proceeded to send information to fraud department. XXXX, did not check on that and did not identify getting the plea support again. Again I called XXXX a number of times during the week and every time I called she stated that there was no police report denying that even one of bank staff that called me stated there was a Police report their already from me. So when I called again after sending the police report for the third time she stated there was a police report only after a few minutes stating there wasn't a police report. She stated she will review the police report and then open the case accordingly. She stated she would call me back in a couple days.She didn't call me back. I call her back and she stayed the same thing that she would find the police report and then open the case probably. She not call me back so I called again leaving a message and then her supervisor called me. Her name is XXXX. She stated that there was no police report and that I had changed the story numerous times. I stated that I had been consistent with information that I had only adding more information when it was obvious this information was found. She then stated that she found a police report and treated me so terribly like I was lying or I was the one spending all the money and not once ever stating I'm sorry that you were going to this hard time. She stated they would be reviewing the police report again and by Monday she would let me know what was going on which we probably open the case. She did call again. Since then I called at least two more times to her with no response. My XXXX XXXX is going up, I have lost sleep and I have had no response from them. It was bad enough that the crime was committed especially by to individuals we both know but it was worseBy the bank that was to help me treat me like I was a criminal. Up to this point XXXX was how I was paying for my boiler that stopped working in XXXX. I've been paying on the boiler from $ XXXX {$8000.00} prior to this {$6000.00} charges. I tried to explain that as a XXXXXXXX XXXX XXXX, a XXXXXXXX XXXX XXXX XXXX XXXX, part of XXXX XXXX crime XXXX XXXX and multiple licensed professional for NBT to treat me like that was a travesty. If I can I will also take them the court for all that unnecessary stress and accusations that they have made without any kind of remedy to help the situation even as I almost cried and was very stressed out and explained that such. My wife since then has had her mental health issues increase greatly because of the theft but also because of the way NBT has treated us. We are finding more things that are stolen by way of cards and my wife will be discussing that with consumer financial protection as well as credit report. Please help me with this and make some sense with the NBT individuals that have treated us so unfairly and disrespectful. This started in XXXX and unresolved even today. Thank you
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: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am having an issue with US Bank. I recently received my escrow analysis for the upcoming year XXXX. When looking at it I noticed that my projected amount for my insurance said {$1000.00} but in the actual column said {$0.00} but the future projected was {$1300.00} so I called and spoke to a representative after about XXXX minutes she came back on and said something to the effect of there was a payment made but we can only see it on our end. When I look down at all the payments in the past I dont see anywhere on that it says insurance I see county taxes and mortgage Insurance but not that. Again she just stated she can only see it on her end. I have a shortage amount of {$570.00} so they told me I have until XXXX to pay that off if I did not want it added to my mortgage payment so I had the representative on the phone and she told me where to pay it I did. I paid {$100.00} that was on a Saturday XX/XX/XXXX I looked on Monday XX/XX/XXXX at my account on Saturday I could see my Shortage amount but it was gone now and my payment does not say toward escrow it say toward Mortgage. When I called and asked why I could no longer see the Shortage amount and why my payment was not applied to my escrow shortage she replied that some wires got crossed but she would notify someone and have this fixed. She also could not give me a real reason why I could no longer see my shortage amount online anymore just that I could only see it on my escrow account analysis. I stated that I would like and should be able to see every payment that I make and where it is applied. She stated again they can see it on their end and just not mine. I asked was their someone else I could talk to about this issue and she stated no just the customer service representatives. I dont feel comfortable about this situation because this is my payment and my money I should be able to see where it is going not just take their word.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A