Date Received: 2023-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have opened an account XXXX weeks ago and deposited our New Mexico income tax check they had put a hold on in for 7 days they released XXXX out of it was supposed to release the other XXXX on the XXXX of XXXX now being said they are trying to keep my funds but in that time I had deposited XXXX checks that came back as returned which I took care of that with the money that was released so I paid off those return checks now they are trying to hold my money and close my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88030
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Prior CFPB case XXXX In follow up to the bank 's prior response. I do not understand why they reported the account 30 days past due for XX/XX/2023, after I satisfied the XX/XX/2023 payment due when I brought the account current with a payment on my XX/XX/2023 call. I realize they indicated that they sent me statements, however, in the same call mentioned above I repeatedly did ask the agent and they confirmed I was good, and the next payment was not due until XX/XX/2023. The information that they confirmed when I called was misleading which resulted in the past due status of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
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: 2023-07-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged fraudulently for a phone I did not receive from XXXX XXXX XXXX and insurance for the phone I did not receive. I am still using my XXXX phone to this day because I was fraudulently charged by XXXX XXXX XXXX and did not receive a phone. I filed fraud charges with U.S. Bank and initially my money was returned. I opened an account with a different bank until this was resolved. The charges for the phone insurance continued to be taken out of my account even though I had reported the fraudulent charges and my card had been deactivated. The money that the bank initially returned to me was taken back out of my account and multiple overdraft fees were charged because of these fraudulent charges. I went to my local U.S. Bank branch and they told me they could not help and that I needed to call U.S. Bank customer service. I called U.S. Bank customer service line and they said that the money was taken back out of the account because it was not fraud but a dispute. I called the U.S. Bank dispute representative and she said there was nothing she could do because the account was closed but if I wanted to pay off the account charges she could reopen the account to start a dispute. U.S. Bank will not give me access to my banking statements because the account is closed. Even though this account is supposedly closed, money from refunds have mistakenly gone to this account and U.S. Bank has taken more of my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened a new business checking silver account to attain a {$500.00} bonus by depositing {$5000.00} in 30 days and keeping it for 60 days. I linked my XXXX XXXX XXXX using my U.S. bank app and on XX/XX/23 I initiated a {$2500.00} transfer and a second transfer the following day XX/XX/23 of {$2.00} for a total of {$5000.00}. The funds were posted on XXXX on XX/XX/23. I could no longer access my U.S. BANK account as of XX/XX/23 because they revoked access to my account and would not tell my why, and still do not tell me why. One thing Im told is that my XXXX triggered e fraud and my account was limited. My money of {$5000.00} is missing and still hasnt been refunded and US BANK is saying they never received it nor did it ever complete but I have email stating the opposite and the money is gone from my XXXX account All the Bank managers and representatives at US bank have been lying and deceiving. I just want my money back!! Its been over 10 business days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Around end of XX/XX/2023, my US Bank checking account was closed unexpectedly. I had received an email noting a suspicious activity on the account early XXXX. I called in to the number provided in the email, explained the activity and why it wasnt suspicious, and US Bank said they needed my sister to call them instead. My sister then called them and filled out a form, and US Bank said they will get back to us. They never got back to us and our account was closed. To this date, I was never notified that my account was closed. This has caused more than 10 bounced checks and fees totaling more than {$300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50023
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX Unverified XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INTENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My business checks were stolen and my account with US Bank was hacked. Someone used my account to pay XXXX {$94.00} on XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$320.00} on XX/XX/XXXX. After spending XXXX hours on the phone on XX/XX/XXXX with US Bank and talking to XXXX different representatives, I was told XXXX fraud claims had been opened. US Bank returned the {$94.00} from XXXX a week ago. Since it has been 26 days since I opened the fraud claims, and the {$320.00} had not been returned, I called US Bank again. Apparently they opened XXXX fraud claims on XXXX and none on XXXX. I asked them to open a claim for the missing {$320.00} with XXXX and I was told because it was a " contracted payment '' they could not file it as fraud. I was then told by their XXXX XXXX XXXX, XXXX, that because this was a CCD transaction there was no way to get my money back and that I needed to call XXXX myself. US Bank did a " stop payment '' to the merchant to reject any additional charges on XX/XX/XXXX, but can not seem to find a way to return my money. I'm out {$320.00} because this bank thinks they are NOT responsible for allowing someone else to set up a payment using my bank account number for my business account. I did NOT approve this transaction nor was I ever contacted via email or text to ensure I authorized this {$320.00} payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by criminals in from XX/XX/XXXX through the first week of XXXX, who were posing as a home improvement company that would not only waterproof the foundation of my house inside and out but also renovate my whole basement with new walls, egress window, and also repair my chimney on my house that was built in XXXX. I had been experiencing extensive dampness in the basement for at least 4 years and had recently bought a dehumidifier to help the situation but we're still experiencing too much humidity downstairs. This company was under the fake name of XXXXXXXX XXXX paving and masonry, and later I learned it was " XXXX XXXX XXXX '' because they took off with all of the funds that I had written as checks to their so-called fake supplier ( the first was the cashier 's check, and the other two were my personal checks, one to another of their suppliers for the special air circulation machine deposit, that I never received, and the other was a personal check that I wrote to their XXXX company ) for building supplies and for their work. The business address on their business card turned out to be fake, as discovered by the private investigator with my local police department who went there physically at that address to find out that it was just a residential home and family. The scam company XXXX XXXX hired local workers to excavate around my foundation and installed waterproofing fabric, and those local laborers appear to be diligently working, however the XXXX XXXX managers made several mistakes on the project management while it was in progress. For example I learned later that they should have moved the air conditioner unit away from all of my house ; because they did not move it it was close to the house and almost fell into the trench that the laborers were building around my foundation so that they could attach waterproofing fabric to the foundation. And the XXXX managers should have explained to their laborers that the area in front of the house was for natural gas intake and that the workers should be careful working around it. Instead the different laborers that day only spoke XXXX and after they hit a metal pipe with their shovel, I ran upstairs and used a translator on my phone to tell them it was a natural gas hose and they should stop. They thought it was a water pipe. Anyway, XXXX XXXX first decided they would only have to do half of the house and so a contract was written up for only that half of the house, and then after I paid them in a cashier check for supplies Plus more cash for the laborers, they said that they needed to do the entire house because I missed foundation cracks on the other side of the house. And so an additional contract was written up for that half of the house. They said that an order for me to get there extensive 30 year Home warranty that I would have to get the Entire home updated with waterproofing and the foundation. Also they were supposed to waterproof the inside of the house, and renovate the interior of my basement by adding all new walls, and an egress window. The second contract they also said they would repair my chimney on the house that was built over 60 years ago. And so they had the labores complete the waterproofing on the outside of the home, only, around my home 's foundation on the outside, and then they said they could not work on it anymore until they received a special air circulation equipment to use, and that I had to put a large deposit down on that to get it here at my house. That was rather upsetting, however they said oh you get your money back after the machine is returned to their vendor. And so I kept waiting for this expensive machine to get here, and heard very little from them. And so I didn't see them here for almost an entire month of XX/XX/XXXX, and I could only reach them on the phone up until XX/XX/XXXX and then they entitely disappeared and I would get no response at all with my phone calls to them. The amount of money that they stole from me was {$110000.00}, and I believe that possibly their vendors were also partnered with them. I found out, through internet tracing, that two checks I'd written out to them for building supplies and their work, we're both cashed at jewelry stores on the XXXX XXXX of XXXX XXXX XXXX And the one personal check that I wrote to their company, ( after I said I would not give them any more money until it was written out to their business account ), was cashed at a bank in Washington DC. The enclosed attachment explains all of the details of the scheme and how I was fooled by these people, by the way had thick XXXX accents and said that they were first generation Americans. The test document also shows details in the tracings I have done about the checks and their business associates and Banks. I read that the same type of scheme has been happening in XXXX for the last two years and they believe that those people were on a 90 day Visa visitors visa from XXXX and XXXX the XXXX XXXX, forbidden to work while they were here, however a perfect opportunity for them to have a XXXX XXXX XXXX business and take off with their booty back to their home country after 90 days concerning their temporary federally issued visitor 's visa. And so I believe that these XXXX XXXX scammers could have been involved with temporary visas and we're not even American citizens. On their business card they also have their website listed, and their phone numbers, and last time I checked recently their website is still up. There is another company called XXXX XXXX that does paving restoration and they have another website I think that company 's based in california. The XXXX scammers had a website that was somewhat similar to that website, and I believe that both of the websites are still up. For all I know this could be a recurring scam. I did stop at my bank to ask if they could trace my checks in the effort of trying to recoup funds that were lost to the scammers, and the office person spoke to said that they could not until I sued the company, later I found out that I could not sue the company because they were XXXX XXXX XXXX and there was not a legitimate address for them, and therefore such a court suitcase would be thrown out by a judge. And so I assumed that there was no way at all for me to try to get the money back with the bank 's help, and so I contacted an agency to help me and the letter attached is my story about what happened with the scam and how it happened and, and how my bank did not help me beyond getting copies of the canceled check, except for they also canceled my checking account associated with the scam, but made no mention of why they were closing my account other than because of fraud. In XXXX, XXXX, The agent company that I contacted to see if they could help, did send a letter to my bank asking for their help and trying to recoup my money, but my bank refused. It appears that there is a catch-22 regarding scams and that evidently some banks do not go after the money unless there is a suit, however real scams are usually XXXX XXXX XXXX anyway and can not be sued because they were the likely have a fake address. And so as stated in the attached letter, I believe that my bank should have had built a much better database where they can check recipients of cash your checks and personal checks to find out if those companies are a legitimate or not before the check is sent, or as with credit cards there must be some way to retrieve the money when the scammers are found to be indeed criminal scammers. My agent helping me with the situation believes that my bank didn't follow the necessary rules and policies and dealing with me before and after I was scammed to this extensive amount of money, that I wrote and two personal checks with my bank, and one cashier check, where I withdrew all the monies from my checking account with my bank. I believe that my bank needs to go after the money trail and find out if they can retrieve money such as from the jewelry stores were supposed to have jewelry insurance by law, so that stolen money that they receive in trading for their products, can be returned with insurance at least to the victim customer. I received no building supplies to majorly complete this contracted project that I had with XXXX, other than tar and waterproofing material that was applied to the outside foundation of my home. I also learned later from a legitimate waterproofing company, that the work that was completed was shortly done with below par materials and methods. In fact I had to have the four new window wells ( that XXXX XXXX installed after waterproofing outside of my walls foundation ) replaced with entirely new window wells for the basement that were twice as tall, because the XXXX XXXX put in Windows so we're much too short and would have allowed rainwater and snow melt to enter my basement through those window well areas. And so please refer to my attached document that documents what happened to me and further detail and also has an appendix attachment with screen prints of the cancel checks and also tracing that I did regarding the scam XXXX XXXX website and another similar website for a company also named XXXX XXXX that does paving, in another state far away. And also is aforementioned the uploaded attached document appendix shows copies of the canceled checks and screen prints of my phone records with them this past summer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My XXXX wrote me a check. Her bank is nearby and I went to cash it. I waited over XXXX minutes to be told to cash a check at the bank where her account is costs {$7.00}. This is not service oriented at all for your members not for those they write checks to. Very bad policy. Speaks poorly of US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97233
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding an unnecessary hold that has been placed on my funds in my account with US Bank since last 2 Months, I believe that this hold is unjustified and has caused me significant inconvenience and financial hardship. On XXXX XX/XX/2023, I made a deposit of USD XXXX into my account number XXXX. According to the bank 's policy, funds from deposits should be made available to customers within a certain period, typically a few business days. However, I was informed that a hold was placed on the funds, preventing me from accessing my own money. I have contacted your customer service representatives several times to inquire about the reason for this hold, but I have received conflicting information and no satisfactory resolution even on customer support phone and branch phone as well as no responses on Email. Encl XXXX XXXX No Email Responses from any of the Authorities of US Bank Copy of Email Send Attached. Encl -XXXX Details of Call Done Encl XXXX ) They give us two options in the Letter dated XX/XX/XXXX ( Encl XXXX ) in response of the complaint. In the Response they gave us two options 1. Talk to the branch manager to release the funds : when I talk to them the branch manager XXXX, She doesn't have any update on the those funds on XX/XX/XXXX ( here are the screenshot of the communication Encl XXXX ) As This shows their Clear misrepresentation, manipulation and unnecessarily holding of funds since last 60 days which leads unnecessarily harassment of a customer. XXXX ) Our latest Communication with them on which we still not get any reply from there side. We have tried each and everything & They are just reading our mail but we are not getting any response from any one of the bank person over our email they just sent us reply over here only so we need the solution for that issue. They are just replying to you only on this platform so we request you to take care the same and do the needful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A