Date Received: 2023-07-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I XXXX two times from my checking account, the amounts were : {$500.00} and {$1400.00}, to a Water company that shortly after I learned it was a scheme when I checked with my water company, I right away called US Bank customer service, phone XXXX XXXX XXXX XXXX at about XXXX XXXX on the very same day : XX/XX/2023, to notify about the fraudulent XXXX that I was just schemed, I was with Union Bank a long time and very satisfied with their service, i also learned that US Bank has recently acquired Union Bank, They said they would look into the matter and refund me the money. Two days later, on XX/XX/XXXX I received the bank 's letter, that said their investigation were done and they were sorry that they could not refund me those fraudulent transactions, and did not explain why in the letter. I was so upset about the way the bank handling this, it did not seem they did a thorough look into the matter, no explaination of why, and I wonder how come their investigation did not take long, ususally with other bank I see like a week or so. I wonder if they ever even did their real search in this, or do they ever care, or can I trust anything of it? Then on XX/XX/XXXX, I XXXX to my family {$100.00}. XXXX to my family member, the money did not go thru to them, i called the bank again, and they said the XXXX hasd a glitch on that day, and will show up in my family 's XXXX 5 days later, nothing showed up 5 days later, but the money was already taken out right away at the time of sent??? Then a week later they said they would refund this {$100.00} back to my account, the XXXX did not go thru, why if it did not go thru, then it shoulbe reversed right away, that is how I see with XXXX normally. All of this sound suspiciuos to me, I would start to think that US Bank might have not done their part to help their customer in their best,, or it would be a possible that why US bank is trying to keep customer 's money, when transaction was not succesful, and not doing their job to address the complaint as they are supposed to do as a bank. I am very upset, sad, frustrated and so very disappointed about this bank. US bank is a new bank for my account, I was with Union Bank a long time, never experienced any problems like this, with this new bank, I have already experienced very disappointed customer cares in them, I already started to lose trust in this bank service and have thought about choosing another bank. I am a hard working senior citizen in my later age, and I feel so terrible about all these, I have lost my money to pay for my essentials bills last month, about {$2000.00}, I work full time 5 days a week and sometimes even more, to meet basic living expenses, and I am very struggling because of the money lost, can you imagine how horrible anyone would feel at my age or at any age? Thank you so much, please help..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was affected by Hurricane Ian. I called US Bank on XX/XX/XXXX to go on a forbearance plan that they offered for natural disasters. On XX/XX/XXXX US Bank sent me a letter detailing the forbearance plan. They said I would not be affected by late charges or late payments towards my credit. They currently have 5 late payments on my account. The forbearance plan is caught up and paid in full. On XX/XX/XXXX I called to have them remove the late payments on my credit report. They denied my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Sometime near the end of XXXX, I received a piece of direct mail ( see attachment ) that came jointly from State Farm ( the insurance company I use ) and US Bank ( a bank I had never heard of or used before. ) The mailer stated the following : " Earn {$500.00} Deposit Account Bonus with a new U.S. Bank Business Checking account. Follow these three steps to qualify : 1. Open a new U.S. Bank Silver, Gold, or Platinum Business Checking Package using promo code XXXX. 2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or the U.S. Bank Mobil App within 60 days of account opening. '' After opening the account, I experienced extreme difficulty funding the account with the {$5000.00} amount due to errors beyond my control at the bank. By the time I was able to get the correct amount into the account, the 60 days had passed. After many phone conversations, including with a call center manager who confirmed it would never happen, I finally gave up on ever receiving the {$500.00} bonus that was promised. A week or so later, I received a phone call out of the blue from someone at US Bank who had reviewed the recordings of the phone conversations and the records of my account. She apologized profusely about the problems and promised that I would indeed be eligible to receive the {$500.00} bonus. After transferring {$5200.00} on XX/XX/XXXX, I proceeded to make qualifying transactions and enroll in both online banking and the mobile app. I noticed on XX/XX/XXXX or XX/XX/XXXX that my account balance had dipped slightly below the {$5000.00} mark -- the lowest it got was {$4800.00}. I immediately deposited an additional {$250.00}, which put the balance back to {$5100.00} on XX/XX/XXXX. I also called US Bank and was assured by the first person I spoke to that US Bank " would use an average daily balance '' to determine the {$5000.00} balance for the promotion. Last week I checked the balance to see if the {$500.00} had indeed been deposited. It had not. So, I called again - likely the XXXX time total for calling or receiving calls about this issue -- a HUGE investment of my precious time. I was told that they would look into the issue and get back to me about a resolution. A few days later I did get a phone call back stating that I would NOT receive the {$500.00} bonus because the account had dipped below the {$5000.00} mark for a few days. This is the reason I do business with small, local banks who resolve problems the first time and stick with their word.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 048XX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear US Bank, I am writing to address an issue regarding the {$500.00} bonus that I was supposed 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/XXXXXXXX regarding my US Bank XXXX XXXX XXXX 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: 77584
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly contacted ELAN FINANCIAL SERVICE to dispute an inaccurate debt they are reporting as belonging to me. I have requested verification of the debt on several occasions and the company has refused, saying they do not need to verify anything with me. I requested they only contact me by mail and to provide a verification of debt as recently as XX/XX/XXXX by calling them at their listed contact of ( XXXX ) XXXX and again was refused verification. I have disputed this with XXXX and XXXX, where I was informed that they don't actually require any documentation of the debt to confirm it's legitimacy, they just rely on the company stating the debt is verified. All my disputes are marked as debt confirmed but have no documentation attached. I believe this is a wilful violation of the Fair Debt Collection Practices Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the fair credit Reporting act, Elan Financial services and XXXX XXXX services has violated my rights. These cards were not in my possession at the time of the accused late payments. Furthermore, 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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: My complaint is against US bank and how they mishandled a stop payment which caused a {$2000.00} deduction from my account. I scheduled a payment through an App with XXXX XXXX on XX/XX/23 and when I entered to submit the application it did not return a 'correct ' to check for accuracy but took out two payments totaling {$1300.00} for the month of XXXX and XXXX. I was attempting to only submit one payment in the amount of {$660.00}. XXXX XXXX stated that I would need to call my bank to stop the payment so I called US bank to stop the payment and they said as long as the payment is not pending they should be able to stop the payment. The first representative I spoke to said that I would need to cancel my debit card to stop the transaction from going through. So, the debit card was stopped and I had to go to a branch to pick up a temporary card. I was never asked by the representative if it was through the checking account or was it a debit card transaction. The account was set up through a checking account number. The representative ; XXXX XXXX did not ask if a bank account vs a debit card was used. Because he cancelled the card I had to walk into a branch to retrieve a temporary card and this did little to resolve the situation. A stop payment should have been offered. So, I called the bank a 2nd time and explained that XXXX XXXX had cancelled my card which would not stop any transactions from coming through. I then called back and spoke with a representative who put through a formal stop payment and was told that as long as the amount was not pending I would not have any issues with the amount of {$1300.00} posting. On XX/XX/23, the amount posted to my account. This has caused a great deal of stress, inconvenience and monies that are now coming out of my account and US bank is not taking responsibility for the role they played. I also show that the stop payment was cancelled by them and the monies where taken from my account. The bank is maintaining that the {$1300.00} was posted because they were unable to catch it but I believe it was their error because the stop payment was cancelled ( see uploaded image ), the bank will not admit that it was there error. The account statement showed that the original amount of {$1300.00} was removed and upon inspection of my statement/online account today I show that the {$1300.00} posted. Not only am I out of {$2000.00}, but am now told that the bank may take up to 30 days to return the money to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Foreclosed while on forbearance by US BANK attorney USBANK didn't know that this happened and tried to collect payment after my HOME was STOLEN Over {$1500.00} in NSF fees Multiple police reports of harassment were made against USBANK and the attorney XXXX XXXX XXXX Severe criminal misconduct has occurred. Please send investigator and United States Marshal I would like to be a witness at the next Senate finance testimony of the big bank CEOs I have specific incriminating questions I want to ask XXXX XXXX and the rest of the CEOs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55122
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage servicer is US Bank. Due to COVID-19, I experienced a loss of income and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX for assistance. With the help of Legal Aid, I applied for mortgage assistance through XXXX XXXX XXXX XXXX XXXX Homeowners Assistance Fund ( HAF ) program, Save the Dream Ohio. On XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXX conditionally approved my application. They sent a verification record to US Bank for them to send back to the XXXX XXXX XXXX XXXX. US Bank completed this step in XX/XX/XXXX. Shortly after, the XXXX XXXX XXXX XXXX notified me that my application had been fully approved. Save the Dream Ohio made the first payment on XX/XX/XXXX, which reinstated my loan. I was also approved for six months of additional mortgage assistance. To date, the XXXX XXXX XXXX XXXX has sent mortgage assistance payments to US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, my most recent billing statement, dated XX/XX/XXXX, indicates that I am two payments behind. I have erroneously been charged late fees for two months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A