Date Received: 2024-02-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a letter from US bank with the date XXXX saying that i tried tp open their credit card but they denied for some reason. This is the second time someone tried to open credit card on my name. What is happening i have no idea. Someone probably has my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Us bank took a couple of my stimulus checks and said my account was negative which it wasn't. There was fraudulent charges on my account. They also sent me a letter saying to take the money out by such and such date but that date had already passed. They sent the letter out after the date had passed. So there was no way for me to get the money. This all happened in XXXX XXXX I had business accounts. I went into the bank and tried to get the money explaining this was emergency money and they refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To whom it may concerned. On XX/XX/year>, I opened a certificate of deposit ( C.D. ), with US Bank through XXXX XXXX XXXX XXXX, in the amount of {$50000.00}. That C.D. was in account # XXXX. The Interest rate was 3.82607 % at an A.P.Y. 3.9 %. This was to mature on XX/XX/year>. I took a second C.D. out with US Bank on XX/XX/year> in the amount of {$50000.00} to mature on XX/XX/year> with an interest rate of 4.31 % at an A.P.Y. of 4.4 %. That Account is # XXXX. The second C.D. is of no concern at this time. The first C.D. with account number # XXXX is of great concern. I called US Bank on XX/XX/year>. I would have called on the XXXX but it was a weekend. I spoke to a person named XXXX, to redeem for the full amount plus interest and have a check sent to me. I did not receive a check or hear from US Bank after that phone call. I called XXXX XXXX to look into the issue. I received a called named XXXX at XXXXXXXX XXXX XXXX XXXX XXXX evening ). I told her I was not happy. So I called US Bank on XX/XX/year> and spoke to a person named XXXX at XXXX XXXX She had a very poor attitude. She told me that I had XXXX CD that matured. Which was not true. She was obviously referring to the second C.D. from account # XXXX. I disagreed with her. She told me that C.D. ending in XXXX and renewed. I told her they were wrong, were incompetent and that I wanted the extra interest for this time. She then went on to state, there would be a penalty fee to redeem the C.D. ending in XXXX. Now you can see why I am so greatly concerned about the integrate of US Bank. On XX/XX/year>, I received a call from a person named XXXX XXXX. She agreed that XXXX did not do his job in closing out and redeeming my C.D. ending in XXXX, and that I wanted the interested from that time of maturity date to when I received my money. She agreed with me and gave me a case number. That number is XXXX. I received my check dated for XX/XX/year>. This is XXXX days after the maturity date, with only {$1.00} of interest on a C.D. of {$51000.00}. The way I see it, US Bank should be giving me 3.9 % compounded daily interest on XXXX days. I am pretty sure {$1.00} is NOT the correct amount. Furthermore I have several days of severe angst in having to have dealt this issue in an institution that should have integrity, because a C.D. is a legal binding contract between US Bank and I. I called XXXX XXXX again on XX/XX/year> at XXXX and left a voice mail and heard nothing back. I called XXXX XXXX again on XX/XX/year>, I got her voice mail, but I did not feel that I should have to leave a second voice mail over this issue. Instead I called back again on XX/XX/year> and spoke to a XXXX. I explained what was going on, she looked up my case number and saw the progress or should I say lack there of, she apologize and reached out to XXXX XXXX. I still have heard nothing back from XXXX. In speaking with XXXX, I explained to her that I fully expect to be paid for the interest accrued. To this date I have heard nothing back from US Bank. This goes beyond not getting the interest, I have time tied up from work in dealing with this problem and feel I should be compensated for my lost time at work as well. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04901
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/year> Deposit sent to my account after this account is frozen i call XXXX number to see they tell me accounts being closed nothing i can do. I need money to pay my bills/rent Issue is with US Bank Account nunber XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, US Bank made an unauthorized " hard inquiry '' from all XXXX major credit reporting agencies. I asked that the hard inquiry be removed from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for a Silver Business checking account on XX/XX/2024. My application went pending the day that I applied. I never heard back from US Bank for over a week. I called them and they told me that my application was denied because of " a negative balance and/or an outstanding balance owed on a previously closed U.S. Bank account ( s ). '' I have only have XXXX personal US Bank account and it has never been closed. I have never closed a US Bank account. I asked for the reason that my application was denied and they would not give me an answer. I want to know why my application was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I opened a joint bank account with my then XXXX months ago. After the bank was open, I was not ever given checks, debit cards, or access to this account. I was told by the main account holder that he closed the account and pulled out all of the money. when in fact this was not the case the account was closed due to account abuse. I never received a call from the bank or any letters stating this was the case or a balance was owed. After I tried opening just recently my bank account, I was denied due to an outstanding balance I was not aware of. In the amount of {$2000.00}. I made contact with the bank, and they let me know I wanted off the account. They then told me they could not help me because it was transferred over to a collection agency. I told my story to the collection agency that I wanted my name off this debit because I was never allowed access to it. They let me know that I was responsible for it unless the main account holder called to release my name. I let them know I no longer had contact with this person that he was in XXXX on felony charges, and that I wanted no communication with him. I told them that this balance was not mine as I did not do any activity on this account and that it should be solely his debit. The manager let me know that it was not just his it was mine also and I was responsible for payment. I explained I had no way of paying them that the relationship I was in took every single one of my checks and I had no money to my name. I am trying to get back on my feet and this is one thing that is holding me back. They were no help and told me they could drop payments down, but it would remain in my name, and I had to pay it. I called the Sheriff 's station in the city I lived in and filed a report, I was then advised by the DA to make a report as this could be added to the charges that are already under the main account holder 's name. All I want is for my name to be taken off of this account as I never had access to it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a statement balance with purchases of {$820.00} on my XXXX Statement that is due on XX/XX/24. I have made 2 payments of {$410.00} on XX/XX/24 and XX/XX/24 respectively to pay the statement balance of {$820.00}. US bank access a finance charge of {$17.00} in which i have disputed with a phone call on XX/XX/24. The representative that i have spoken to said that she will going to forward the request to another department for determination. She got my contact number and claimed that if i do not hear from USBank by the end of business that day, the finance charges will be reversed and will take 5 days to process. On Friday, XXXX XXXX i checked my account online and not only that the finance charge of {$17.00} was not reversed, But US bank has also added {$10.00} interest to my XXXX statement with a statement balance of {$470.00} due on XX/XX/24. I scheduled a payment of the statement balance on XX/XX/24. I spoke with supposedly spoke to a supervisor named XXXX ( woman ), she can not explain to me why finance charges were applied for both months where the statement balance with purchases were paid in full. She keeps on claiming that the finance charges are applied correctly, she was overtalking me when i challenged her with statements. In XXXX XXXX a manger called me and discussed the issue and i thought this issue has been resolved already and will not have any problems with it. She has reversed all the finance charges applied incorrectly to this account from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I get a CD at U.S. Bank XX/XX/XXXX. At XX/XX/XXXX, I called U.S. Bank to cash my CD into my checking account. The customer service said no problem but 1 % will be deduct due to early withdrawal and I suppose to get my XXXX into my checking account within 5 business days as they mentioned. So I checked my balance at XX/XX/XXXX, it shows XXXX in my checking account perfectly. However, at XX/XX/XXXX, when I looked my balance again XXXX disappeared. So I made multiple phone calls in the next following days and all the responses are the same, tell me to wait and the money will be available tomorrow. Until now 7 business days has passed, and I still don't know why my money disappeared, and when it will be available again. Not a single reason being provided to me, which makes me frustrated. More importantly, I need the money as soon as possible to pay tax! Please help me!
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: 2024-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a {$100.00} prepaid card from US Bancorp through XXXX which uses the XXXX website. In order to use the card, US Bancorp states you must register your name and address. The website on the back of the card - XXXX - will not allow me to sign in and register my name and address. I called the phone number on the back of the card and asked to register my name and address as they require, but they will not do so over the phone. They say you must use an automated system, but when they transfer you, there is no option to register using the automated system. The fraud that US Bancorp is perpetrating : requiring you to register your name and address to use a XXXX prepaid giftcard, but not actually allowing you to register your name and address through any means ( website or phone. ) They then decline 100 % of transactions and steal your money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A