Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, I had a {$0.00} ( XXXX balance on my US Bank card. On XX/XX/XXXX, fraudulent charges totaling {$1800.00} were made to my card. I alerted US Bank, and they shut down my card, conducted an investigation, confirmed the charges were indeed fraudulent, and credited my account in XX/XX/2023. ( See attachment # 1 ). Then at the end of XXXX and every month since I've been getting statements with different random balances for another charge that I did not authorize and/or late fee charges. I've reached out to US Bank 's fraud department on multiple occasions and I've spoken to numerous people, including a supervisor named XXXX, and was told different things ; ( i ) we're looking into it ; ( ii ) our system is down ; ( iii ) it's very difficult to remove interest and late fee charges incurred due to fraud. Meantime, they keep sending me statements with additional charges and they keep threatening to report me to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an account with US Bank XXXX XXXX XXXX Branch ) on XX/XX/2023 and deposited {$25.00} via debit card as required to open a checking account. On the following Friday ( XX/XX/2023 ), I deposited a physical check via bank teller at the US XXXX XXXX Branch. The check amounted to {$2300.00} from the XXXXXXXX XXXX XXXXXXXX XXXX ( My employer ). I was told by the teller that the check would be held till Tuesday ( XX/XX/2023 ) but the {$220.00} of that would be available now. I withdrew {$200.00} and continued about my day. Fast forward to today ( XX/XX/2023 ) I can see through online banking that my balance is available and I go to the bank to withdraw {$600.00}. The bank teller then proceeds to tell me that my account is frozen and pending for cancellation via the risk department. He then suggests I call customer service to speak to the risk department. I call customer service and they tell me that the risk department does not speak to customers and try speaking with the branch manager. I then call the branch and the manager tells me that she can see the issue with my account and my account did clear but she doesn't see why they would close the account. In addition, she said there is nothing she can do but look at the check and review if everything is accurate. Other than that she is unable to do anything. I'm at a lost of what to do. I unfortunately have no other income and am not sure when I will be able to retrieve the funds. No one at US bank seems to be able to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was in default of my Home Mortgage and US Bank Home Mortgage filed for foreclosure. I filed a voluntary XXXX XXXX and the Trustee paid US Bank Home Mortgage a total of {$5900.00} while I was protected under the XXXX XXXXXXXX filing. Proof of the Trustee 's payment ( s ) which can be provided. I had a Manager at a US Bank branch call US Bank Home Mortgage on XX/XX/XXXX to get the amount needed to bring my mortgage current. I gave the same Manager the amount requested PLUS another {$4000.00} to take off of the principal, which was a total of {$15000.00} on XX/XX/XXXX. I believe that making a mortgage current after a default also includes Escrow payments. I also asked for a total of all the payments US Bank Home Mortgage had received since the foreclosure filing and how those funds were disbursed. That spreadsheet can be provided. For some reason, known only to US Bank Home Mortgage they disbursed the funds in a highly irregular matter. My monthly mortgage payment is {$590.00}, as you can see that is not what they did. Instead they took out {$280.00} for each month I was in arrears, paying Interest, Principal, but only {$40.00} for Escrow, which ONLY covered the Mortgage Insurance payments. I had asked US Bank Home Mortgage to end my Mortgage Insurance payments in XXXX as I was way ahead on my amortization. They denied me, claiming that my home 's value wasn't high enough ( due to the Banking Industries errors, which caused the Economic Crisis of XXXX forward. ) Now to get it removed I have to have 24 uninterrupted payments, PLUS I have to pay them {$100.00} to decided whether or not to end these useless payments. Even though the value of my Home is MUCH higher than the amount due on my mortgage. At the end of XXXX I tried to make my XX/XX/XXXX payment but I was unable as US Bank Home Mortgage had reinstated my foreclosure on XX/XX/XXXX. Proof can be provided. I called and asked them why they refiled and they denied that they had. I was unable to transfer funds from my checking to my mortgage due to the ongoing foreclosure. I had to go to the bank and either make a wire transfer of my payment, or withdraw the amount from my checking account to send US Bank Home Mortgage my XXXX mortgage payment via mail as a Cashier 's Check. I handed the Manager at the branch the Cashier 's Check for {$1200.00} and he put it in an interoffice envelope to mail to the Home Mortgage Department. They lost my check so I made another payment on line on XX/XX/XXXX, as I did not want to be viewed as in default again, as they had withdrawn their foreclosure filing, and I was able to make a transfer from my Checking to my Mortgage in the amount of {$690.00}. When, happy days, they found my first XXXX payment. Now they claim that I am in arrears over {$11000.00} for my Escrow, which now makes my monthly payments {$150000.00} so that they can fund the Escrow account. The problem I am having is their Misappropriation of funds. If you view the spreadsheet US Bank Home Mortgage sent me of all funds paid since my foreclosure started, you will see that they are missing {$3300.00} from the Trustee 's payments AND they are missing {$1800.00} from my XX/XX/XXXX payment, PLUS the amount actually put into Escrow of {$5600.00} from the payments they have received, all of which add up to {$11000.00} as of XX/XX/XXXX. Since my two XXXX payments they will not let me make a mortgage payment until XX/XX/XXXX, at which time they expect my mortgage payment to be raised to the above requested {$1500.00} per month, due to their misappropriated disbursal of my payments. I made a Principal Only payment on XX/XX/XXXX of {$900.00}, as they would not allow me to make a mortgage payment. All in all US Bank Home Mortgage has received {$23000.00} from a combination of the XXXX XXXXXXXX Trustee and myself and somehow I am still - {$10000.00} Escrow as of the creation of this complaint. Please review the attached and tell US Bank Home Mortgage to stop messing up my mortgage on purpose. They are setting me up for failure, which is not acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I want to make the public aware, US Bank is getting trained from XXXX and is going XXXX XXXX, It is scamming its customers and is not honoring what is advertises and the flyers sends in the mail. I received a flyer in the mail that if I open and deposit {$3000.00} in the US Bank account, I will Get {$500.00} as a bonus if I keep the money for 90 days, I did the same and I did not receive the money, please see the flyer attached in this complaint, this is a third class, ridiculous bank, and I will not suggest anyone to open the account in this bank. I spoke to a lady yesterday from the bank and she spoiled 30 minutes of my life, she asked me to send her all the documents I have, starting from the flyer, to the statements I have and then after 30 minutes, she was trying to make excuses that why the bank hasn't deposited the amount into my account. She started saying that I haven't deposited V A money or XXXX, and this is a business account. When I opened the account I also went to the teller of the bank and the teller told me that even if I will deposit the money in the atm that will also count as an ACH, Us Bank is not honoring what it said and my last resort will be to file a case in the court. US Bank had my money and used it, I meet all the guidelines they had on the flyer and I should be getting the bonus money.
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: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: on XX/XX/2023 we received mail addressed to a XXXX XXXX at our address. We have no association with this person or even know who he/she is. The letter is from XXXX XXXX XXXX XXXX XXXX XXXX, FL. The back of the letter indicates this is from US Bank. The letter states : Thanks for contacting us about your recent change of address. This letter confirms that your address change request has been processed. This XXXX XXXX does NOT live at our address. We contacted US bank at XXXX and initially spoke to XXXX who stated anyone can use any address they want. I then spoke to her supervisor XXXX who stated that US Bank does not have a fraud department to review this, when I told her that was a lie she stated yes they did have a fraud department but she didn't have the phone number for them. She repeatedly wanted my information which I was at this point hesitant to share but finally did in hopes of resolving this issue. We have not received resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Subject : US Bank is discriminating against XXXX Veteran and those on Social Security 1. Dates/days : Cycle Close date XX/XX/2023 Statement Date XX/XX/2023 ( should be ) Date of my complaint : XX/XX/2023 Cycle days : 30-45 days ( month and a half payment on top of regular payments ) 2. My opinion : After having a good relationship with US Bank, I believe the transition or the partnership with another bank ( Union bank ) the new people they see the activity on my account meant to offend other banks are offending the people from Union Bank, not U. S. Bank. 3. My problem with other banks is they will let the smaller transactions go through, especially over the weekend, and then push the bigger transaction right behind them. 4. The discrimination part Is against those who get social security or who are no longer working. Who gets paid on the third Wednesday of the month and not the XXXX. Is preyed on by banks who wants these fees. The third Wednesday of the month does not always fall on the XXXX. It can. Vary from the XXXX to. The XXXX is only good for banks. When youre more concerned with the working class those who are thrown on the bus are those who receive XXXX in the disenfranchised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: The weekend of XXXX XXXX US Bank transferred my bank account information from UnionBank ( which it had purchased ). Unfortunately its instructions about how to regain online access did not work properly, so on XX/XX/XXXX ( I believe ) I spent several hours at the new US Bank branch while the employee enabled access to my new accounts at US Bank. On XX/XX/2023 {$5000.00} was electronically transferred out of one of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. On XX/XX/2023 {$5000.00} was electronically transferred out of one of my business checking accounts at U.S. Bank. I was provided no notice of this transfer. On XX/XX/2023 {$10000.00} was wired out of another of my personal checking accounts at U.S. Bank. I was provided no notice of this transfer. The night of XX/XX/XXXX I logged onto my US Bank accounts online and noticed only {$400.00} in an account that previously had over {$10000.00}. The next morning I called and arranged to meet with my local branch after finding these fraudulent transactions in these three accounts. The bank closed these accounts and opened new ones and replaced my checks. At the same time, we overheard another couple talking with another banker about fraud on their accounts. About 15 days later the bank 's Digital Claims Services mailed three letters ( dated XX/XX/2023 ). The one pertaining to wire fraud said I " authorized the wire transfer '' ( which is factually inaccurate ) and " We have investigated the matter and requested that the beneficiary bank return the transferred funds. Unfortunately, the beneficiary bank did not accept or acknowledge the request ; we are unable to further assist in this matter. '' The two letters pertaining to electronic transfer fraud stated " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. '' I met with the local branch manager again a few days later, who promised to escalate my case, but personally got no help from the corporate office. I have spent over XXXX hours on the phone with the Wires Department, Fraud Department, and Online Banking and have received no help in getting information about the receiving bank and account number that would enable me to follow up. US Bank has taken no responsibility for enabling access to my account. I have contacted my employer 's IT company about this situation, and was given their opinion that a breach of my account likely took place while security was reduced while the employee gave me online access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hi I filed a complaint previously with CFPB regarding this and was told US bank was working on it. I had since then spoken to them many times and was told to wait for 90 days for them to provide a resolution. After waiting for almost 100 days, I contacted US bank 's fraud liasion and was told if US bank doesn't hear from the other bank for 90 days, US bank is going to cover the funds that were fraudulently cashed out themselves so my understanding is I would receive the funds past 90 days waiting period. However, today I reached out to US bank again and they told me no, I had to keep on waiting ( and they said there was no timeframe for that?! ) This is ridiculous. I have also asked if they would provide the contact info of the other bank or the name of the bank and they refused to provide that info. I reported the issue to them XXXX last year, and it has been over 7 months now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have opened an account with U.S Bank online and withdraw my retirement funds into this checking account and a few days after, U.S Bank decided to close my account out of nowhere and absolutely no reason whatsoever. I have contacted them several times and they failed to provide me a single reason as to why they decided to closed my account. And this happens while I am traveling outside of the country and relied on the funds on this account and it actually was the only reason that I made a withdraw to this account was because of having enough funds during my trip and I will be staying in XXXX for the next XXXX months. I was notified that the reason will be sent to my U.S Address and also they said they dont know how long the investigation takes and wont release my funds and when they do, they will send a check to my US address. This is not acceptable and I understand that they have a right to end the relationship for any reason, but they dont have a right to keep my funds especially when Im traveling and its very urgent for me to have access to my funds while Im traveling and they must immediately contact me and make sure I receive my funds in a timely matter by depositing my funds to my other account or any other possible way to make sure I will receive my funds immediately and completely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report I noticed an unauthorized inquiry on my credit profile and I believe that is information is inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A