Date Received: 2023-07-23
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Please find the brief details of the complaint made before the U.S.Bank attached. Having send this on XXXX of XXXX I still didnt get any response from the U.S.Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, US Bank sent me two separate letters notifying me of closing my checking accounts. As of today ( XX/XX/2023 ), I have not received the refund check for my account balance of over {$4000.00} in total. I made numerous phone calls to the customer service center but they all simply let me wait for the refund check. When asked about the details of the reason for account closure, they refused to provide more details. US bank has also disabled my online account. I have made numerous phone calls, but my online account has not been enabled as of today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: To whom it may concern : US bank placed a hard hold on my joint checking bank account on XX/XX/2023 and subsequently informed me that they will be closing the bank account. Routing Number : XXXX. Bank Account number : XXXX. Account holders XXXX XXXX XXXX and XXXX XXXX XXXX, ( married ). I am writing this letter because US Bank is refusing to return to me my account balance of {$9400.00}. US Bank told me that I am not allowed to withdraw the funds at the local branch if I visit them. Instead, US Bank first told me that they will mail me a check for the balance on my checking account after 7-10 business days, which means I may not receive a check via mail for 2 weeks. Next, US Bank told me that they have the right to hold my bank account balance for 90 days while they review my bank account. Despite visiting the local US Bank Branch in XXXX, CA on XXXX XXXX, and making numerous phone calls to the US Bank fraud department, the US Bank bankruptcy department as well as the US Bank fraud liaison department, I was told again and again that nothing can be done to assist me further, and that they could not explain why they had chosen to close my account and hold on to my funds. I am in XXXX XXXX bankruptcy and my attorney also sent them two letters telling them that it was illegal for them to place holds the funds in my bank accounts, to which they said they would lift all the holds, but a hold on my bank account balance remains in place as of this date. The hold on the funds in my bank account is creating an immediate, severe economic hardship for me and my husband. The bank 's actions have resulted in reversing my mortgage payment, reversing my XXXX XXXX XXXX utility payments ( resulting in my power being cut off ), and leaving me without any cash in my pocket for reasonable living expenses ( like food! ). I have also accumulated numerous late fees and bank return fees as a result of US Banks actions. My mortgage payment, my XXXX XXXX payment as well as my electric payment have been returned and I have been charged additional late fees and bank return fees. Moreover, I am shocked by US Banks lack of customer service, downright meanness, inhumane and probably illegal behavior. It seems that US bank does not care if their actions put people on the street. Please force US Bank to return me the balance of my bank account funds immediately! Sincerely, 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: 94609
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: US bank keptv playing games and cheated, the check did not evenly reached my post local office at zip XXXX, enclosed please find the email of post office. THey ask me to sign declaration of lose, that is not fact, I did sign one with the fact -- I did not receive the check, they kept asking me to sign and wasted my time. They play game and stolen interest from my money. Look at other banks, either no need declaration loss or do a good declaration loss ( true form ) example XXXX XXXX XXXX US bank asked me to sign something that I did not do In fact I didnot receive the check at all. US post office confirmed it Also some agents on US bank XXXX calling told they did not mail the check out at all Some agent said they have cancelled the checked If you have cancelled the check or not sent, why need me sign delaration of loss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I had a prepaid card that had about {$100.00} left on it. On XX/XX/2023 someone was able to steal my card number, log in to the account, and change all of the personal information. They then made a purchase of about {$100.00}, clearing out the card. I called immediately after discovering this on the same day, XX/XX/2023. I was instructed to fax a copy of my ID, front and back of the prepaid card, and other personal information in order to get the card back under my name and that I couldn't dispute the fraudulent charge until the card was back under my name. I was told that it was take 3 business days to process the faxed information and to call back once 3 business days had passed. On XX/XX/2023 I called back and was informed that there was an issue with the faxed documents and to refax them. The issue they told me was that the faxed images came in 'mirror imaged. ' On XX/XX/2023 I spoke with a supervisor who said he could see the images, that they were NOT mirror imaged, and made a claim ticket to have the documents rechecked. That supervisor gave me a ticket number and told me to call back periodically to check in on the claim. I called back on XX/XX/2023 to check in, I was hung up on by the first supervisor. The second supervisor straight up lied about the issue. First she said that the problem with the faxed documents were in black and white. It's a fax, it can ONLY be in black and white, I'm not sure why she tried to claim that. Then she tried to say the images were too 'cartoonish '. I have no idea what she even means by that. It's simply a black and white copy of everything I was asked to fax. Then, after asking to speak with literally anyone above her, she refused. She said her bosses do not talk to people on the phone. I was refused any kind of email or phone number to anyone I could talk to. I was only offered a XXXX XXXX XXXX. This whole thing is incredibly frustrating. I've been lied to, hung up on, and given the run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan is XXXX XXXX XXXX on XX/XX/2023. I reached out to US Bank on XX/XX/2023 to request for PMI removal. US Bank took the {$190.00} fee that day. And I expected a call from a realtor for a BPO as I chose to do it based on current valuation. However, I did not hear from anyone so I called US Bank to follow up on XX/XX/2023. At first, they told me they rejected the request and returned me the {$190.00} because it should be {$410.00} for an appraisal. I told them that is wrong because US Bank puts in writing that it would be a BPO ( Broker price opinion ) and not an appraisal. The staff changes to another reason that my loan balance does not meet the XXXX based on origination value. I told them that is wrong because I specially requested the removal based on current valuation, hence I paid the {$190.00}. The staff then changes again to another reason that I did not meet the substantial improvement dollar value that XXXX XXXX requested for the loan that is less than XXXX XXXX XXXX. They said XXXX XXXX requires me to spend {$45000.00} substantial improvement ( 10 % of my original valuation ) and I have only spent {$10000.00} that can be counted towards substantial improvement. I told them that is wrong because the XXXX pages XXXX XXXX guideline does not have a dollar value or % that I must spend on substantial improvement. I asked for the proof. She then transferred me to someone from the mortgage removal department and that someone told me she would get her boss to call me. No one called me. I called again the following week and now they said to receive the proof, I need to put in the request and they would send it by email and mail by the end of business day of XX/XX/2023. Nothing is received so far. I called again today on XX/XX/2023 and they told me that they mailed out a letter yesterday and I would receive it within 10 days. This is their sneaky way so that I will not be able to do the removal by my mortgage 2 year anniversary ( XX/XX/2023 ). And they keep telling me that I can do it after the 2 years so I can get away from the substantial improvement. However, after the 2 years, XXXX XXXX will require 75 % XXXX ( instead of 80 % before XX/XX/2023 ). This is how US Bank cheated us consumers to continue to pay the private mortgage insurance even though we might be qualified to have it removed. No where in the guideline XXXX XXXX requires such dollars but US Bank tries to use such wording to shut people up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20136
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I tried to buy XXXX XXXX tickets. The Seller was charging {$350.00} per ticket and I was planning to buy 3 tickets so a total of {$1000.00}. The Seller requested payment through XXXX. Prior to sending the money, I called US Bank to ask if I was covered by my bank in case this ended up being a scam. I did my due diligence by looking into the person and asking specific questions and felt like it was legit. The customer service rep at US Bank told me that I would be covered if it was a scam and all I needed to do was to call back and dispute the charge on my checking account and a claim would be opened. Unfortunately, it ended up being a scam so I called US Bank and immediately disputed the charge and opened the claim. I was told that is would take 7-10 business days to hear a decision and if it was approved then it could take 45 days to get the money back. I asked what the likelihood of this being approved given the situation and was told it was very likely as I was clearly scammed. On XX/XX/XXXX, I received a letter from US Bank telling me my claim was denied. On this letter there was no reason for denial and it says I can call US Bank and request an documents used in the investigation. I called US Bank and asked what was going on, the rep pulled up the claim and could not find any reason on her end or any documents used. The rep told me that she would reach out the claims rep and when she heard back she would call me. She never called me back. On XX/XX/XXXX, I called US Bank again to see what is going on with this claim. That rep asked if the letter gave a reason for the denial and I said no. They put me on hold to find out what was going on. When they returned all they said was it was denied and I could call the police and file a civil suit if I wanted to. When I asked, why I was told otherwise back on XX/XX/XXXX, I was not given an answer. I requested all of the documents that were used in the investigation to be mailed to me. I was lied to on multiple occasions by US Bank and how they handle this situation makes it hard to trust them. Their employees agree with me and understood my frustration and thought it was not fair as I was told on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had an existing account with US Bank and also XXXX accounts with XXXX XXXX XXXX in another state. I went to open XXXX more USBank savings accounts so I could transfer my childrens social security survivor benefit accounts to a bank in state, because we moved and did not have access to XXXX XXXX branch locations in our new state. I wrote myself a check from my XXXX XXXX Account to be deposited into my USBank account XX/XX/XXXX for the entire amount of my childrens accounts to bring them to a XXXX balance so I could close the accounts at XXXX XXXX. I mobile deposited the check and they at first gave me access to some of the funds, but then put a hold in the entire amount of the check. I was told they would have to hold it for XXXX business days to see if it would clear. I talked to several online bankers and tellers at USBank who said there was nothing they could do. The check cleared my FI account on XX/XX/XXXX. USBank still will not release my funds and online says to talk to branch and branch says they cant do anything because their branch XXXX is not in the building all week. There is no valid reason for them to not release my funds us bank received my money on the XXXX. Again this was the entire amount of that account which is causing me to not have access to our money to pay bills, eat or buy gas. All of my bills are due this week so I have to either try and pay them and hope they dont overdraft my account or incur late fees. If USBank had told me they put holds on check for XXXX business days I wouldnt have tried to transfer ALL of my money at once. This is financially catastrophic for me as I am we are a single income family and depend on the kids benefits to live. I dont understand why they wont release my funds when they were paid days ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I HAVE A CHECKING ACCOUNT WITH US BANK, XXXX, WA. BRANCH # XXXX. I am the only signatory to this account. Nevertheless the bank added my wife, XXXX XXXX, to the account without my permission or hers. And then the bank, without my permission or hers, starting sending the statements to a XXXX address, not my own. It took me months to figure out what happened. I then contacted the bank and spoke to several individuals who would not correct the problem. I eventually spoke to XXXX XXXX, District Manager. He admitted he had no signature card from my wife but refused to correct the problem. He said my only alternative was to close the account ( and I eventually withdrew all my funds. ) On XX/XX/2023 I filed a complaint with the OCC 's customer assistance group # XXXX. I never received any correspondence from this agency other than an initial acknowledgment. I called several times and was told they had received a letter from the bank but refused to give me a copy even though OCC 's form letter to me of XX/XX/XXXX told me I should carefully review the bank 's response and respond to OCC accordingly. I requested a copy of the letter from the bank, XXXX 's assistant XXXX XXXX said she would get back to me but never did and I have not received a copy of the letter from anyone. Adding a signatory to the account without my permission exposed me to liability for my wife 's creditor 's who could have garnished my account if they had a judgment and captured my separate funds. This is a profound beach of the bank 's fiduciary duty to your undersigned. The bank seems to take the position that it had a right to add the signatory to the account based on my telephone inquiry asking how could I do that if I wanted. I was told she must fill out a signature card and return it to the bank -- which we decided not to do. But even after we told the bank to correct the error it refused. This is an unfair or deceptive act or practice and the bank should be sanctioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A