Date Received: 2023-07-05
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: XXXXnot a duplicate* Dear US Bank XXXX I am writing to address an issue regarding the {$500.00} bonus that I was going to receive upon signing up for a business checking account with your institution. Unfortunately, it appears that the promised bonus has not been credited to my account. During a conversation with XXXX on XX/XX/XXXX regarding my US Bank Silver Business Checking account, she assured me that the {$500.00} bonus would be forthcoming. On XX/XX/XXXX, I funded my account with an amount of {$3000.00}. Subsequently, I encountered a situation where the agent failed to provide proper assistance in setting up paperless statements, resulting in a {$6.00} fee waiver. However, through a co-browsing session in XXXX, I independently discovered the requirement to enroll in paperless statements using my mobile device. I promptly completed the sign-up process, but the {$500.00} promotion did not appear in my account. I understand that oversights can happen, and I genuinely believe this issue can be resolved amicably. Therefore, I kindly ask for your help in rectifying this situation by applying the {$500.00} bonus to my account, as originally promised. For reference, the last four digits of my account number related to this matter are XXXX. I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at your earliest convenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hi I applied the usbank reserve card with XXXX points after {$4500.00} spending with 3 months. But somehow I didnt receive the promised bonus points. Contacted us bank a few times, some told me I had to wait, some told me that I could not get it since I had the card before. However us bank didnt mention anything on the term that people cant get the bonus because they have the card before. Would you please help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I started an account online with US bAnk and transferred {$3000.00} from my XXXX account. I have denied access to the account because they didnt provide an account number until a week later. Once I received the number, I created a login. I attempted to transfer more money into the US Bank account from XXXX after i verified that account online with US Bank and was then locked out. I called and was told I'd regain access in 24 hours. that didn't happen. I called back and was told that the account was being closed but he fraud dept. for possible identity theft. I called the fraud dept and XXXX claimed that the fraud dept. had nothing to do with it but could not provide any other info. I have since disputed the transfer of {$3000.00} with XXXX as I have now taken back the authorization and east my money back- WITH INTEREST.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
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 which I believe has not been honored by the bank. In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The promotion stated that I would receive a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. Relying on this promise, I ensured to fulfill the necessary condition and maintained the stipulated amount for the required period. When I initiated the process of opening the account in late XXXX, the agent handling my application stated that the promotion was scheduled to end by XXXX end. However, my account opening process was delayed until XXXX due to the bank requesting additional documents, which I had to send via fax. Upon contacting the bank in XXXX to inquire about the promised bonus, I was informed that the promotional code had already expired at the time of my application. I believe this is a clear case of misleading communication as the delay in opening the account was due to the bank 's requirements, and the expiration of the promotional offer was never communicated to me during the account opening process. Moreover, the bank continues to advertise similar offers on their website, indicating a long-term promotional practice. This makes the 'expiration ' excuse questionable and gives me a strong impression of fraudulent and deceptive business behavior. In light of the aforementioned circumstances, I kindly request that the CFPB investigates this matter. I hope to ensure that the promised {$500.00} bonus, which played a significant role in my decision to open an account with US Bank, is credited to my account as initially advertised. As a consumer, it is crucial to me that businesses honor their commitments and promotions, especially when these promotions are instrumental in influencing decisions about where and how to conduct financial activities. Thank you for taking the time to review this complaint. I trust that the CFPB will do its utmost to protect the rights and interests of consumers like myself.
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: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received a letter from card member services of Elan Financial Services stating that the account could not be opened due to the inability to verify my identity. I immediately contacted the company and informed them that I did not apply for a credit card from there company. I was told that they could not confirm my identity or information and to contact the credit bureau`s
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have completed and returned to US Bank all the forms the requested in the bank 's response to my previous complaint. US Bank has not taken any action to return the money to my account. US Bank was negligent in allowing a forged {$10000.00} check to clear my account. The signature showing XXXX XXXX was an obvious forgery. US Bank is responsible for allowing the theft of {$10000.00} from my account. CFPB did not even challenge the bank 's response to my previous complaint. CFPB is guilty of not completing its due diligence in pursuing my complaint. I expect CFPB to insist that the bank again responds to my complaint. I insist that US Bank returns the {$10000.00} to my account. It is the duty of CFPB to instruct US Bank to return my {$10000.00}. {$10000.00} is a lot of money to me. US Bank allowed someone to steal {$10000.00} from my account, and CFPB is allowing US Bank to ignore any responsibility for the bank 's negligence. I have done nothing wrong. US Bank and CFPB are wrong! US Bank did not stop the theft and CFPB is complicit by not requiring US Bank to return my {$10000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: US Bank has frozen my accounts. I have had 4 counts of fraud within the past year and every time I report it I can't get reimbursed or the bank won't help out. They continue to make charges that aren't mine, threatened me and finally froze my accounts. I have tried repeatedly to get help and verify my charges but the bank keeps stealing my money. I don't know what to do and it's cost me dearly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81212
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: U.S. Bank is continuing to charge me for a {$5.00} charge that was paid off and verified with a hand written receipt from my branch manager XXXX XXXX at the XXXX XXXX. branch in XXXX XXXX, CA. The debt I have been trying to pay for weeks on end, that nobody over the phone or inside the XXXX XXXX XXXX branch closest to me, including the manager was able or knew how to take on a closed account, was finally addressed by the bank stating that XXXX XXXX could take the payment. I paid the debt inside my branch on XX/XX/XXXX and have a dated hand written receipt since they still have no way of paying the debt within the banking system on closed checking accounts which they closed on me without reason or explanation. The account was in good standing with a positive balance when they closed it on me. On XX/XX/XXXX the bank responded with a letter to my complaint with the XXXX that not only do I still owe the {$5.00} that I paid on the XXXX, but that they are also adding on an overdraft fee of {$30.00} bringing the total to {$35.00}. XXXX, the branch manager apologized for the inconvenience on the XXXX and told me everything was settled and at a XXXX balance. This bank is continuing to threaten collection by breaching my {$50000.00} CD account, reporting me to collections and 3rd party credit bureaus and therefore ruining my credit over a debt I have already paid. Something told me this was going to happen since they obviously have no way of erasing this charge within the banking system itself on closed accounts that mind you, that they closed on me. I never wanted to close the account I have had for over a year without any issues. I have good reason to believe they do this to breach CD accounts, profiting off the early withdrawal fee they are hoping the customer incurs before the bank closes the account and ties up their funds for months before refunding. I am convinced that all 4 of my other accounts that were all in good standing would still be open had I not invested in the CD which triggered all the account closures. This explains why they have no reason for any of the closures. The employees at my branch are just as baffled as I am and they have nothing to do with any closures as this comes down from corporate. How can I get them to credit my payment, drop the overdraft fee that should not have happened because the debt was already paid, and isn't it illegal to double charge a customer plus an extra {$30.00} for a {$5.00} debt that has already been paid and settled that they are refusing to acknowledge payment? I am XXXX XXXX XXXX and this is continuing to affect my health and well-being on a daily basis since they not only gave me no way to pay the debt for weeks on end until I filed the complaints, but now that it's paid, they are continuing to not credit or honor my payment and adding additional charges to a debt I have already settled. I am positive they are doing this so they can breach my CD account so it won't be allowed to mature as stated in the contract. Can your bureau please stop the harassment as this constitutes unwarranted XXXX financial abuse of a XXXX citizen who has done nothing wrong and has paid all outstanding debts that they are refusing to honor. I just want them to be fair and credit my payment, stop threatening collections and closure of my {$50000.00} CD account that I want left alone until maturity in XXXX. It's my very 1st CD and I purchased a 7 month maturity date. I want them to honor the contract for the CD as they should so I can make the interest they promised without them continuing to not honor payments for debts that have been paid, double charging me for the debt, adding on additional charges to the paid off debt and continuing to threaten breach and closure of an account I shouldn't have to continually worry about on an on-going basis. I implore your bureau to please consider how unfair, unethical, as well as illegal this bank is acting by not crediting my paid off debt as they should as well as honoring my investment account without threats that they are using to get me to close my CD early. The on-going harassment has been unbearable and something they shouldn't be imposing on someone who has done nothing to deserve it. Please investigate other large CD accounts held by US Bank customers, especially seniors, as I presume it's very likely they are experiencing the same unfair tactics this bank is still imposing on me by not crediting payments that have already been paid. I don't know what else I can do to make them erase a debt I paid in good faith and to stop harassing me about my CD as soon as it matures as it should in XXXX, I will take my interest and principle to my current bank and never bother them again. It can't possibly be legal what they are doing to me. I paid off all my debts with them and they refuse to credit the payment I have a receipt for from the manager! They are charging me AGAIN plus additional fees for what is already settled and paid in full. Please inform what I can do about the on-going stress, threatening letters, and constant worry this bank has unfairly and illegally imposed on my daily life. No financial institution should be allowed to cause this kind of undeserved grief and confusion to anybody, let alone a XXXX citizen who's retired and doesn't have many years left. The bank is committing fraud against it's own account holders for profit and gain while the customer loses what he/she was promised in a legal and binding contract. Please consider these actions a serious offense that turns account holders into victims. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: HARD INQUIRY DETAILS XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, US bank XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/23, I was on the US Mobile App. Under the manage account, it stated that you can add Smart Rewards to your account. So I clicked to add them. This ended up changing my account type, which is not what I wanted to do. I immediately called upon seeing the change in my account. I was told that the 24 hours bankers couldn't change it back and that I had to go to a branch to change it back as they no longer offered that account. I made a virtual appointment as well as emailed the CEO. The virtual banker said that she had to reach out to the tech team to fix it. Then she emailed me that they couldn't change it back. I got an email from the executive team that they don't offer it anymore so they wouldn't change it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A