Date Received: 2023-07-11
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: First I would like to say with all honesty why wouldnt I have called sooner if I new it was fraud I would have called the next day to report. I wouldnt have waited 2 an half years an then report because I didnt now until we were trying to buy a house threw your bank an thats is when we found out we were being defraud for the last two years an now you send me a letter saying I am responsible for it. How can I be responsible for sum thing I had no idea was going on until XXXXwe called the government to see if are money was in fact going toward are student loans an they were not an that is when we called immediately to stop payment an report fraud. An now you wan na say it is are fault that we just have to eat it when you bank with a bank for years you would think they would insurance your money for fraud.I even sent you a letter with all the forms you keep having me fill out for nothing because you send one back saying it is my fault for not reporting sooner if I had known it was fraud I would have reported it a lot sooner then XXXX XXXX years later I am out XXXX for the first payment an XXXX a month up until XXXX of this year which you all did get back three months but you arent investigating that good because if you was you would see that cornerstone is fraud an they have stolen millions from millions of people thinking they were paying there student loans but in fact it was fraud all along an we didnt not now until we tried to buy a house an that even messed that up too an now you wont help me get my money back at all. US Bank wont help us get are money back from fraud that we had no idea about if they would investigate it thoroughly to see it is fraud an human error for trying to pay for are debt if I had knowing we would have report it a lot sooner we didnt not now!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 404XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email on XXXX regarding a Checking account opening being declined that I did not open myself under US Bank. I called the bank asking if this was an issue regarding me current account and they stated it wasn't, and they felt the activity looked fraudulent and sent me to the fraud liaison to speak with them. After providing them more information, and giving them the application ID that was included in the email, they stated that the number did not look right, and that someone must have stole my SSN and tried to open another account under my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/, I went through the ATM at my personal bank to withdraw funds from my checking account using my debit card for unemployment income. My ATM gave me a receipt showing the amount ( {$500.00} ) I wanted to withdraw and showed my balance with that amount deducted, but I received no cash ; the ATM did not disburse my money to me. I spoke with the Bank ATM clerk, and went inside the bank to inquire how to get my money. I was told I needed to contact US Bank ( on whom the card is drawn ), so I called 5 times before getting to speak with a person. I was told that I needed to wait 10 business days to get any resolution ; the situation would be referred to the ( investigation dept? ) for review. I was extremely livid that I could not receive my money right away. I was also told that I would receive communications through the mail ; I have not yet received any type of communications. I believe that my 10 days are up Tuesday, XX/XX/XXXX, at which time, I plan on following up with US Bank to find out if they have resolved their issue. I am being patient as possible at this point. In addition to this issue, I feel I being charged overtly incorrectly for the use of my card. Each time I withdraw funds at my personal ATM I am being charged {$5.00}, but I also am seeing I am being charged {$1.00} in addition. I do not understand this and I was not provided sufficient explanation for that. I had initially requested having my unemployment funds direct deposited into my personal checking account, but was told that was not possible due to my living in VA am out of that network. I feel that this also is unfair ; it is not my fault that I had to move to VA to be closer to my family, yes it was a choice, but a necessary one. Therefore, I feel there is a better option that could be attained for my situation. If a check in the mail, that might be better than being charged for using my own funds. I have been in such desperate attempts to gain employment and after so much time, and so many fees charged to me by US Bank to use the debit card, I have lost much money and also am quite stressed over these issues. I need some resolution soon, and I wish there would be another option for me to receive my money. Appreciate your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: It all started with a XXXX I had sent that was denied for security purposes on Tuesday, XX/XX/XXXX. I contacted XXXX support and was told on XX/XX/2023 that my {$2200.00} payment made on XX/XX/XXXX had been returned to my bank account. It also shows in my bank account before any transactions occurred afterwards. I have proof of all of this. I was confused why i couldnt withdrawal money from ATM. I have a second checking account ( an account that just showed up one day. No idea how ). Both are connected to same debit card. So i tried to withdrawal from 2nd account, assuming i must have selected wrong account. So i tried XXXX and it went through. So i proceeded to withdrawal {$400.00} more. Next thing I know, checking account 2 is negative XXXX plus i got hit with a bunch of overdrafts. At the same time, im getting hit with overdrafts in account # XXXX after US Bank cleared my debits before my {$2200.00} deposit/refund from XXXX. While I'm trying to resolve those fees and figure out my finances and how to get by and feed my kids with hundreds of dollars in overdrafts hurting me, I had to take payday advances until I got paid. I contact us bank multiple times, still with no help. Nobody seems to understand my explanation of events or they say I'm not eligible for overdrafts being waived. Then my paycheck is direct deposited and I make some purchases and withdrawals that day. As well as pay back cash advances and fees, only to have my bank account # XXXX emptied that same day to take care of negative balance in bank account # XXXX that I never even wanted and had been confused with. Which put bank account # XXXX BACK in the negative causing fee and more panic and desperation for money for myself and kids to survive. Also trying to pay back loans I've had to make to get by. That caused even more extra financial hurt to me. US Bank has sent me into financial crisis I can't seem to get out of. To make matters worse, the same day they emptied my account, they reversed a debit card dispute I had made months ago for no valid reason. I explained how it was fraudulent. That somebody accessed my XXXX at my boyfriends house while I was asleep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 507XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Summary : US Bank charged me {$100.00} worth of checking account fees despite me being eligible for a free checking account with them. After talking to their agents they agreed that their fees were bogus but they were only able to refund {$59.00}. I spoke with a manager at a local US Bank Branch in XXXX, CO and she promised to refund the remaining {$44.00} promptly. This still has not occurred after almost two weeks of waiting. Timeline : I opened a checking account with US Bank on XX/XX/XXXX The bank charged me a {$14.00} fee every month and refunded the amount right away since I met their eligibility requirements for free checking. On XX/XX/XXXX the bank stopped refunding the {$14.00} fee with no notice. There was no change in my eligibility status and no reason for them to start charging me for banking with them. I noticed that I was being charged in XXXX of XXXX and I called the bank. They told me they will issue a refund for all of the fees and fix my account. Instead I received a letter a few weeks later saying they can't find the " transaction being despited '' and did NOT refund any money. I was charged {$14.00} again in XXXX with no refund, this brought the total number of incorrect charges to XXXX for a total of {$100.00} I called again in XXXX and the agent agreed that I should not have been charged the fees but she was only able to refund the last 3 months ( for some reason ). I told the agent that this is nonsense and after some back and forth she was able to get me a refund for 4 months and stated that the other 3 months will be refunded later. Nothing happened for two weeks and I called again and the agent claimed that she can not issue me a refund for the last 3 months ( {$44.00} ) and that I would have to go into a branch to do that. I went to a US Bank Branch in XXXX on XX/XX/XXXX. The manager there agreed that the fees were nonsense but that she couldn't do anything. I told her that this is unacceptable and after some back and forth she agreed to refund the remaining {$44.00}. It has been 11 days since that conversation occurred and no refund. I will be going back to the bank again 2 weeks from now when I am back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: US Bank XXXX department was paid and has yet to give me a letter with there Bank logo on it. They send me some type of letter with nothing on it as proof. Have gotten nothing but the run around with US Bank in regards to this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank is holding my social security deposit in the amount of {$1200.00} I first noticed there was a problem with my bank account when a debit card transaction got declined on XX/XX/. I immediately contacted US Bank customer support and they could not provide a clear answer as to the status of my account, they just told me the funds on the account could not be accessed and I would receive a check in the mail. I then visited on the same day XX/XX/ the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and I got different conflicting information from the staff at the bank. First spoke to a banker and she said the account was closed but that I could withdraw the funds in the account. Then I proceeded to withdraw the funds in the account but the teller first asked why did I want to withdraw all the funds in the account since the account was still active. But later she said the account was closed and the funds could not be withdrawn. Then I spoke to the branch manager, he apparently did not have business cards and wrote his name on a piece of paper, XXXX XXXX, and he said the account was closed on XX/XX/XXXX and that I would get a check for the funds in the account within 5 to 7 business days. And finally today XX/XX/2023, I contacted US Bank customer support again and was given different information again ; now they said the account is not closed and is still under investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: It all started on XX/XX/2022. My balance was {$1300.00}. Thus, I made that payment for the same amount. I had a balance transfer that month of {$870.00}. But, I had purchased {$680.00}. I called that month to figure out why I was charged interest on my XXXX statement and it was because I was reminded that I needed to also pay my purchases for the month. I then understood my promotional balance transfer offer to be : my payment would take the first minimum payment and apply it towards my balance transfer, then, the next payment application would go to my previous months purchases. Only then, would my payment apply back to my balance transfer. In XXXX, I reluctantly was only able to pay {$690.00} on my {$860.00} purchases, after removing my {$40.00} minimum payment. I didn't understand why I was charged so much interest. I called and was reminded that I did not completely pay off my XXXX purchases. Thus my 'interest balance by type was {$880.00}. I decided that I would not do another balance transfer until I paid off my purchases thus effectively utilizing the purpose of my balance transfer. Here is where my complaint comes into the scenario : I paid $ {$250.00} on a 'Balance by type : purchases ' of {$170.00}. With my mimimum payment of {$46.00} removed to be applied to my new balance transfer of {$1600.00}. I do not understand why I was charged {$2.00} interest. In XXXX, I paid {$1000.00} thus charged {$1.00} in interest due to that being the minimum interest charge. In XXXX I paid {$310.00} on {$270.00} with a minimum payment of {$43.00}. Doing the math, how am I charged {$2.00} interest when I paid very close to the calculation method. In XXXX, I paid {$550.00} on {$110.00} of purchases and was charged {$0.00} in interest. I thought the minimum interest charge was {$1.00}? Why was I even charged interest at all? I will never do balance transfers again. And thankfully I have put this all behind me financially. I did talk to a representative in XXXX and XXXX but only the XXXX rep was willing to reverse my interest charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed a savings account at US BANK on XXXX. The balance of {$41.00} was returned in a check. I was also having auto-withdrawal from my primary checking account from my local bank deposited into this savings account, I signed paperwork on XXXX, a Thursday, to stop payment on those {$15.00} deposits into my US BANK account. The deposit went through on the following Monday, XXXX to the closed US BANK savings account. I waited for the return of the {$15.00} until I called US BANK and was told it was " bounced back '' to my original home bank. They never received it & suggested asking the US BANK for a tracing number, which I was given. My home bank investigated the tracing number and found it was returned to them without a name or account number so it was returned back to US BANK.An investigation was started by US BANK over the {$15.00} dollars. I made three separate phone calls on XXXX requesting instructions on how to fill out the claim form. I faxed the form they sent, the form I signed at my home bank and a sign statement from my home bank explaining what happened on my home bank 's end and why my {$15.00} was " bounced back '' again to US BANK. I don't know what else could prove the money never returned back to my account. I received a letter today, XXXX, stating my claim was denied. I have called the US BANK more times than I could remember to document but always got the same answer, the money came back to me when it did not. I don't know what other recourse I have other than reaching out to you for help. Why would I make up something over {$15.00}? I am XXXX & have little access or understanding where/who can help. {$15.00} is a lot for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Roughly one-third of the way past the first of each month, I consistently receive a text message between approximately XXXX XXXX XXXX XXXX XXXX. from XXXX XXXX ( XXXX ) telling me that owe them money for a credit card. These text messages rudely awaken me, disturbing my sleep and have adversely affected my XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 449XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A