Date Received: 2023-07-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a checking account based on a promotional offer that was advertised online. I met the necessary requirements to receive the advertised bonus, however, US Bank stated it was a direct marketing campaign and was only valid for targeted individuals. I believe this was intentionally deceptive advertising as I think any logical consumers would consider themselves to be targeted if it was advertised to them online. Below is the excerpt they stated disqualified me from receiving the bonus despite meeting the requirements : " This offer is valid for the intended recipient only and is not transferable. Restrictions may apply. Promotion code may only be used once. Bonus will not be paid if promotion code is retrieved by unintended recipient or if promotion code is retrieved from a deals website. '' I requested a review of my account which was decided on XX/XX/2023 when they stated I was not an intenteded recepient of the offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
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: 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: When I was XXXX yrs old with no job and no credit. I opened a US bank debit card with {$700.00} in XXXX. I did used the entire {$700.00} it was my first year as a college student. My mistake I didnt close the card after spending all of the {$700.00}. Later in the following years XXXX and XXXX, I began getting letters from US Bank and a bill collecting company Monarch requesting I pay them {$5100.00} for a over draft account. Myself and my mother have tried called US BANK telling them this is fraud and I have never had {$5000.00}, but we keep getting the run around with no assistance. Thank you for helping, I do not want my credit ruined before I even get a chance to start my career after college graduation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74014
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: 2023-07-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: on the XXXX separate mobile deposits I did, the checks I deposited were covered from my XXXX check that deposited into my account XXXX hours after my atm deposit. I was charged XXXX NSF fees, the total amount of the checks which were almost XXXX dollars, and this is what this complaint is about. My XXXX covered the checks hours after I did the atm deposit. so, I was never negative also, I should have never been charged NSF fees on the checks. I had anywhere between XXXX NSF fees XXXX So, the ONLY resolution to this is for US Bank to reimburse my NSF fees I was charged and the almost XXXX dollars for the checks. They did give me a partial credit but I'm still without money because of their due diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, my name is XXXX XXXX. I am doing a formal complaint for U.S bank, regarding a credit card application XXXX that Ive submitted since couple months ago. I have to mention that I have a checking and savings account with the financial institution since XX/XX/2022. I am a person whos always on the top of my credit score, managing my credit bureau at XXXX, XXXX and XXXX. U.S bank is declining my credit card application because due to too many trade lines opened in the last XXXX months. Fist of all I demand to U.S Bank to provide me an exactly number of how many is too many tradelines for the bank. Because too many is not a concise, clear and understandable answer for any customer. I met all requirements : *I have account history with the bank *My credit score is XXXX *I am a full time employee with an anual income of {$56000.00} *all payments due to date *no collections I called U.S Bank after get the letter with the explanation, the corresponding department never provide answers for my questions, and the documentation is not clear, please do a research to verify information by the recorded calls. Is not acceptable for me, to be part of a bank that provide features and benefits to just SOME of the customers. On my criteria, I understand that credit lines represent requirements in order to be approved, also I know that banks must provide to their customers with an explanation of denied applications, but TOO MANY TRADELINES, IS NOT an answer. I have some credit cards and a car loan, with no pending balances, credit usage of the 6 %, Exceptional payment history, Simply, U.S Bank is being discriminatory, with no concise reasons to denied my application. I demand to be approved for the credit card application, and have the right to enjoy the bank benefits like any other costumers that meet requirements established for the bank and the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I applied for credit card account from us bank and was denied pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied also 15 us code 1611 its illegal to deny us credit credit is our right. 15 us code 1691 a and ucc3-302 I should never be treated so inhumane I have been discriminated lied and my right infringed also reporting this to my credit report without my consent is illegal as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account that has not been honored by the bank, compounded with a distressing lack of adequate customer service. In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The advertisement promised a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. I took steps to meet this condition and kept the required balance in the account for the specified time. My account opening process commenced in late XXXX, but the completion of the process was delayed until XXXX due to the bank requesting additional documents. The bank 's agent informed me that the promotional offer would end by XXXX, but I was not informed of this during the account opening procedure, or of any potential issues that might arise due to the delay caused by the bank. Upon contacting the bank to inquire about the missing bonus, I was told that the promotional code had expired at the time of my application. This was not communicated to me during the account opening process, which I find to be misleading and disconcerting. Adding to this, my attempts to resolve this issue through their app and via phone calls have been unfruitful. When I sought help through the app by typing " missing open account bonus, '' it only provided instructions on how to open an account, repeatedly. Even when I typed " agent, '' there was no adequate response or help provided. My phone calls to the bank were no better. I spent more than XXXX minutes on the call, being transferred to XXXX different representatives, each time having to explain my situation anew. Unfortunately, none of them could provide assistance or resolution, leaving me frustrated and upset with their service. Thank you for your time and attention to this matter. I trust that the CFPB will act in the best interests of consumers like myself. Yours sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: us bank allowed the IRS to close both of my secured credit cards with them. XXXX of the cards was closed with a XXXX balance the other card was closed with me oweing XXXX due to the bank letting them over draw my secure account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I XXXX XXXX website looking for XXXX hotel rooms in XXXX XXXX South Dakota. A deal popped up which advertises XXXX rooms for {$300.00}. I proceeded to put my information in including my debit card number, name, email address etc. After that, at the bottom of the page there was the breakdown of cost including over {$600.00} dollars in fees. So I went to exit the website and the reservation submitted on its own. I never entered submit, and I never entered an otp code or anything. I logged into my bank account and saw the total of XXXX pending. I also Received reservation confirmation email and chose the cancel option, page indicated that it was canceled but non refundable. I then Called the companies customer service number to tell them what happened, and they told me they have my information and its non refundable and theres nothing I can do. Then I called my banks fraud department and spoke to customer service and they told me that they cant stop the transaction and its pending and can file a fraud claim after it posts. After this all happened we went to the website for the reservation and the website doesnt exist. I submitted my fraud claim on XX/XX/2023. I was told that I would get paperwork in the mail to follow up. They didnt send the paperwork until the XXXX and I submitted the paperwork both by fax and mail on the XXXX. I received provisional credit from USBank and then XXXX weeks later they took it back. They claimed that I had submitted a dispute not a fraud claim and that the merchant stated that I knew that their cancellations were non refundable at the time that I submitted it. The problem is that I never submitted it. The website is designed to force your transaction to go through. I x-ed out of the website and never entered any submit button or XXXX code and the transaction still went through. When I called the bank I intended to file a fraud claim, and mentioned such multiple times on the phone, and the bank did a dispute instead, regardless of the fact that I stated multiple times that I wanted to file a fraud claim. I am now our {$910.00} for a transaction that I did not authorize. Furthermore upon deeper investigation, I called the XXXX location that they claimed to make a reservation with, and there was never a reservation or cancellation on their system for me, which I believe is further indication that this company is fraudulent and fake. My reservation confirmation email came from XXXX which isnt even an existing website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60706
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is an unauthorized inquiry on my XXXX XXXX credit report from US Bank. I have attempted to have this corrected with both XXXX XXXX and US Bank to no avail. XXXX XXXX continues to send me letters informing me that inquiries remain for two years instead of deleting the unauthorized inquiry. US Bank is not responding to requests to delete the inquiry. According to the Fair Credit Reporting Act, erroneous or incorrect information can not remain on a person 's credit report, including unauthorized inquiries. The inquiry needs to be removed immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Was denied for low credit score but currently have XXXX credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A