Date Received: 2023-07-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/23, I used my card ending in XXXX to purchase several items on XXXX due to their XXXX XXXX event. The transactions went through without any problems. However, the following day on XX/XX/23, I noticed I could no longer view my entire card number online, which is a feature US Bank offers ( See Picture XXXX ). Consequently, I called in only to have several representatives tell me all my accounts were closed. I soon called the XXXX number to get an idea why all my accounts were closed and the representative told me it was because of gift card purchases on my card ending in XXXX ( See Picture XXXX ). However, the transactions are still pending and will later be reversed because the transactions have been refunded. So all in all, it seems US Bank waited for me to complete the {$2000.00} minimum spend requirement ( XXXX XXXX XXXX ) to get the signup bonus valued at {$500.00} on the card ending in XXXX and then closed all my accounts a day later without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for a Loan Modification on XX/XX/XXXX and XX/XX/XXXX and I was denied on XX/XX/XXXX and XX/XX/XXXX. I was struggling to pay my mortgage due to COVID-19 my job was shut down with the XXXX XXXX XXXX XXXX XXXX I second job I was XXXX XXXXXXXX XXXX and my hours were reduced. I was dismissed from Bankruptcy Court XXXX XXXX on XX/XX/XXXX. I had a pipe to burst in my master bathroom and my home had mold and mildew in XX/XX/XXXX. On XX/XX/XXXX Hurricane Sally damaged my home. So, for three and half years I was fighting with my insurance company, and I was getting denied. I had to hire a public adjuster to assist me with my claims prior to my dismissal from my BankruptcyXXXX XXXX ; however, I called US bank to schedule four payments to come out of my bank account every two weeks and it would have taken care of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX called US Bank and the representative canceled all four of my payments. On XX/XX/XXXX, US Bank sent me a return payment in the amount of {$230.00} dollars, and a second check on XX/XX/XXXX, in the amount of {$510.00}. In my restricted escrow account, there is a reminder {$17000.00} and my past due mortgage from XX/XX/XXXX, to XX/XX/XXXX, is {$17000.00} to bring my mortgage account current. I wrote US Bank Loss Draft, and they verbally informed me since I have a sell date of XX/XX/XXXX, I can write a letter and explain how I want the reminding amount of my claim funds to go toward my past due mortgage. I am aware of my payment for XX/XX/XXXX, I can pay my XXXX mortgage but I did request a reinstatement so I can bring my mortgage current. US Bank Loss Draft Insurance Department stated that my letter was approved but the Supervisor will have to contact US Bank which is my lender so that all the funds can cover my past due mortgage. I will call US Bank Loss Draft Insurance Department on XX/XX/XXXX, to see was my claims moved over because I became a homeowner on XX/XX/XXXX, and it will be 15 years on XX/XX/XXXX. I worked hard to purchase my home and I have all intentions to keep my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32514
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was sent a promotion by U.S. Bank telling me they would give me {$750.00} if I opened an account and deposited {$15000.00} within 30 days. I opened the account online on XX/XX/2023. They sent me an email confirming account was open but email did NOT contain my full account number. Because I did not have full account number, I could not create online account and then trigger transfer of the required {$15000.00} to get the signup bonus of {$750.00}. I called US Bank around XX/XX/2023 and asked for my account # and they said they could not provide it to me. They said they would mail it to me. Finally -- more than 30 days after opening the account -- on XX/XX/2023 they mailed me my account #. But now that 30 days has passed since account opening, I am not eligible for the promotion and the {$750.00} they promised me because I could not deposit my money within 30 days of account opening because they refused to tell me my account number. This is a complete bait-and-switch! They promised me a {$750.00} bonus for opening an account and I followed all the steps and they purposely withheld my account # until after 30 days had passed so I could not make the deposit necessary to earn the promotion. I can not believe this problem is unique to me. I bet they did this to everyone they sent the promotion to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94402
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The US Bank Home Mortgage has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account US Bank Home Mortgage # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have politely asked US Bank to remove this account, this loan did not originate with US Bank, I did not agree on its reporting to consumer reporting agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I file a Dispute 42 charges I found on my prepaid child support debit card one of them was for a {$170.00} and 1 of them was for {$71.00} and after waiting the a lot of time I received a letter that I received a permanent credit sighting in my favor but it was for the wrong amount it was only XXXX when I called the bank to talk to them about this they said that they thought the merchant had already issued a credit to me in which I replied to them that the merchant issued a credit for a completely separate transaction where I had returned merchandise and it had nothing to do with the charges that I had disputed they said they were gon na escalate it up to the dispute team to get it corrected and that I had to wait 5 days after 5 days I contacted them again I was told that they did it wrong and that they were sending it up again and that happened over and over again 4 times I was told it was escalated and that I need to wait 5 days. No resolution still
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I do XXXX XXXX on the side I'm on XXXX XXXXXXXX and I was given two checks that I mobile deposited into my account. after nearly 20 years with US Bank, the checks I was given bounced, and my account was closed. never had a bad check in my life anything to that extent and checks I was given from a customer they close my account. I'm on full blown XXXX. they told me in XXXX that they would close my account anything that was owed they would deduct and then mail me my {$1300.00} check. here we are pushing XXXX I mean XXXX and have yet to receive that money and they can not close my account. this is absolutely absurd and I am XXXX off and I need my money to live on.
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: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Three complaints have already been submitted. Open complaints are XXXX submitted on XX/XX/XXXX and XXXX submitted on XX/XX/XXXX. XXXX was submitted on XX/XX/XXXX but closed without any proper resolution by US Bank XXXX This will be the third open complaint ; I wish open complaints could be supplemented so that it is available to the bank in 1 place. Last update yesterday was I called the fraud department and found out that money will not be returned unless XXXX XXXXXXXX XXXX submits new documents that US Bank has asked for. This is a completely new requirement and through my client company I contacted XXXX. They replied by email that " XXXX XXXX Department hasnt received any updated request or correspondence from US Bank at this time, US Bank still has the funds and needs to credit XXXX XXXX accounts. There is nothing we can do unless US Bank sends the funds back ''. Alarmed I called today and was told that the fraud back office in US bank is working with a secret department in XXXX and hence XXXX department is not aware of that. I was told to call back after 1 week on XX/XX/XXXX and hopefully the situation will be resolved by then, there is no guarantee. Also documenting that I am waiting from XX/XX/XXXX to get paid for work that I had done and XX/XX/XXXX will be 2.5 months and all this time the money had been lying with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear Sir/Ma'am Please review 2 attachments below. The merchant " XXXX XXXX '' was supposed to charge me ONE time for {$210.00} but they charged me a SECOND time for {$980.00} ( which I was not aware of why ). I filed a dispute with US bank Debit card dispute department. Without doing any investigation or providing me evidence of " valid transaction '', your department sent me just one page letter saying " we determined that your transactions were valid ''. How? How do they know that the TWO transactionswere BOTH valid?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello My name is XXXX XXXX and I had applied for a XXXX XXXX Checking Package back in XX/XX/2022 with U.S. Bank. The terms of the offer were that I to receive a {$400.00} bonus once I completed qualifying activities. My application was successfully processed and approved, and I completed all qualifying activities. I had even reached out directly to US bank and received a confirmation from a U.S. Bank employee/representative that I had fulfilled my requirements and would receive my bonus shortly. Months later after not receiving my bonus I reached out again. The rep then informed me that they claimed that the code that I used during my application had expired and did not work - " XXXX ''. I'm not even sure if that was the code that I used as it was auto generated through a promotional link that US bank provided me, but this was the first time I had heard of this error or difficulty, being almost half a year from my initial application, leading to great frustration. By withholding this information from me, U.S. bank is being intentionally misleading with their advertisements and offer terms in their promotions. Their reps had not informed me of this until after more than 6 months since my application and I completed their promotional terms. After much back and forth, I got another U.S. bank rep to call me and ask if I had any other valid promo codes. I provided her with " XXXX '' which would have been valid during the time and I have since not heard back from U.S. Bank. It has been almost 9 months since my application and I am extremely frustrated from what I interpret to be intentionally deceptive and misleading practices from U.S. Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: U.S. Bank continues to violate the 2022 Enforcement Action of the CFPB. Today I received an email from U.S. Bank stating, " Your XXXX checking e-statement is ready. Your statement for the account ending in XXXX is now available. To view your e- statement, log in to your account. '' To my knowledge, I have never had a checking account with them. This seems to fit your Enforcement Action in which U.S. Bank opened an unwanted account using my personally identifiable information they had back from when they were the processer for an XXXX Master Card I had. I logged in to today 's email using the old login information for the credit card. This pulled me up in their system. I called U.S. Bank today and was transferred to their XXXX Department with which I was on the phone for some time. They could offer no explanation and did not deny it seems to violate the Enforcement Action for a practice you have also caught XXXX and XXXX XXXX. There seems to be no honor among thieves. The Security Department recommended I visit a local branch office ; the same place the bank was found to be incentivizing employees to open sham accounts...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A