Date Received: 2023-07-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am currently banking with US BANK Ive called several times to remove my overdraft protection & I keep getting over draft fees. Everyone Ive spoke to tells me something different about their overdraft fees and that I am not enrolled in overdraft protection. I have hundreds of dollars in fees for something that I shouldnt have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: A domestic transfer of {$5000.00} was initiated on Sunday XX/XX/XXXX from US Bank Savings account to my XXXX XXXX ( XXXX ) checking account. The funds cleared US Bank on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at XXXX. I called XXXX XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided XXXX verbal approval to cancel the transaction. On the morning of XX/XX/XXXX funds were no longer pending at XXXX. By Monday, XX/XX/XXXX the funds had not arrived back at US Bank. I called US Bank- they had no record of any pending transaction. I called XXXX shortly thereafter. XXXX confirmed again the transaction was cancelled morning of XX/XX/XXXX. XXXX did not have a 15 digit trace number to provide since the transaction was cancelled. I called US Bank Monday, XX/XX/XXXX and spoke to representatives at US Bank for 2 hours. Eventually US Bank informed me there was no trace number since the transfer was cancelled, and they were unable to see the funds pending in my account since the cancellation of transfer had not been processed. They assured me the funds would clear by Tuesday XX/XX/XXXX close of business, and to call back Wednesday XX/XX/XXXX if I hadnt seen anything. Wednesday, XX/XX/XXXX arrives and still no pending deposits and no funds have arrived. Wheres the {$5000.00}? I call US Bank, and once again they have no idea. They spend 30 min trying to figure it out, but no one can tell me where the money is, if its lost, or when ( if ever it will arrive ). I have exhausted all options I am unable to reach anyone at US Bank that is able to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got a secured credit card with Us bank, I put XXXX dollars in the account was trying to build my credit and suddenly they closed my account without previous notification affecting my credit score for XXXX XXXX. So I called them to see whats going on, they said they cant verify my identity. So I sent them a copy of My driver license and social security, They never fix the problem, so I called them to Send my secured deposit back, and they refused to do it. So Im feeling discriminated because Im XXXX, they assumed the person on the the account its not me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27217
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am filing this complaint because both mine, and my husbands accounts, have been defrauded by US Bank. We both signed up for the US Bank Savings Accounts under the offer that if we maintained a balance of {$3000.00} for 90 days, we would get {$600.00}. We met all the requirements, except for how we funded our account. We were unable to fund the account due to titling on our accounts, and were instructed by a US Bank Employee to fund our accounts in an alternative method. Therefore, US Bank deliberately defrauded us out of the Savings Bonus totaling {$1200.00}. We have already submitted a CFPB complaint on this, but US Bank responded incorrectly in reference to an entirely different account. These are the business SAVINGS accounts. We have met all the requirements and done everything asked of us, we just want US Bank to uphold their end of the agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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 XX/XX/XXXX, I ordered a cosmetic item from an XXXX seller. The total cost of the item was {$11.00}. I paid for this using a combination of my US Bank XXXX XXXX XXXX card, and rewards points I had accrued by using this same card. I paid {$5.00} from my card, and the remainder of {$6.00} from my rewards points. The item showed as delivered onXX/XX/XXXX ; however when I looked in my mailbox and all around the front area of my home, the item wasn't able to be found. I have no idea where USPS delivered it. I immediately requested a replacement or refund from the seller since the fault was with USPS and I shouldn't have to pay for an item they failed to deliver. The seller refused to provide a refund, and neither XXXX nor XXXX would refund the cost since they accept USPS 's delivery status. So I contacted US Bank to raise a dispute to claim the full cost back. I explained that partial payment had come from my rewards points, and I specifically asked on 3 occasions during this phone call how I would get the rewards points back. I was told that it would be credited back to my rewards balance. I waited 2 weeks and after not hearing anything about the status, I contacted US Bank again. I was told that the dispute had been resolved in my favor and that the {$5.00} had been refunded to my account. I asked why the {$6.00} in rewards points wasn't showing in my rewards balance, and the agent couldnt provide me with an answer. I then had to wait a long time while she went to ask someone else. Eventually I was put through to someone in the rewards department. I explained the problem yet again, and this time was told that they couldn't add the funds back to my rewards account. I asked how I was supposed to receive a refund for the {$6.00} spent on an item which hadn't arrived and had been partially refunded. I also pointed out that in fact I'd been told by 3 people that in fact the amount WOULD be credited to my rewards. This agent said this wasn't possible. This is blatantly untrue. It would have been very simple to add the amount of {$6.00} to my rewards balance. But the agent just didn't want to go to the trouble to find out how to go about doing it. I want the amount outstanding on my now resolved disputed transaction to be credited, either to my rewards account or to my credit card balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97266
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinance and U.S. Bank refuse to provide me information on why my application was denied. I started the process last month, I have repeatedly request the lender to provide more information on my debit to income ratio denial to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My checking account with US Bank was closed on XX/XX/2023. They issued me a cashier 's check which was stolen and upon investigation it looked like the perosn who stole the check was able to deposit the check into their account. I have been in contact with the bank since XXXX and i have not yet received a replacement check. My concern is that im not getting any update from the bank. Every time i call the customer service they are not able to tell me what is the status of my claim and advise me to go to a branch and when i do go to a branch they are also not able to assist me or even tell me what is going on. I have been very patience trying to get this resolved but im starting to get very frustrated because its been 7 months trying to get my money back from US Bank.They already know the name of the person who stole and deposited the check into their account and i don't know who that person is so why is it taking them this long to issue me a replacement check and go after the person who stole the check. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: At the end of 2022, US Bank was advertising a promotion that included a bonus for signing up for one of their checking account products. As I was looking for a new financial institution at the time, I evaluated a few choices and decided this one was slightly superior to the close competitors because of this relatively unique bonus offer. After confirming with multiple customer service representatives from multiple departments ( and repeatedly being promised follow-up ) on multiple occasions that all steps were completed correctly and approved and that the bonus would be posted, absolutely no follow-up has been communicated and no bonus has been posted. Ultimately, I have been far more than patient and fair in both the process and duration of this transaction and believe they are operating in bad faith, hence the need for CFPB intervention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: 2 fraudulent cards where opened in my name. One is a XXXX business card and the other is a fidelity credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: i had thousands of my dollars stolen by card services relia card id card # is XXXX their phone # isXXXX XXXX XXXXXXXX XXXX the company stole my identity and did business without my consent the worse part is that they did this with the tax company XXXXXXXX XXXX but the company was unlawful to accept thrid parties this card is not allowed to reload and they put my taxes on the account and they were stolen by others they have then seen the errors when I reported the dishonor and made me wait still to this day they have not funded my account with a refund im not able to say how much was taken but my taxes and my government funding was taken I have been XXXX because of my money being mishandled by these fraud actors they need to refund me asap because of unlawful acts that is not in their policy none reloadable accounts that were unable to get reloaded by other agents this robbery and violate title 15 1028.and title 15 1681 a findings and truth lending remove any cases against me and allow the agents to refund upon this notice i shall not have to wait on my funds as the company has seen they made big errors with my funds and after reporting the first funds gone they did a illegal transaction with XXXX XXXX and robbed me again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A