Date Received: 2023-06-20
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I've sent 2 identity theft report XXXX of XXXX and XX/XX/2023, I provided them with everything they requested and I'm still getting ignored. So here is goes. US BANK IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING THE CONSUMER HAS ADVISED ALL THE FRAUD. THE COMPANY ACCORDING TO LAW TO REMOVE SUCH ITEMS, FTC FRAUD REPORT WAS FILED ON THE BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING US BANK TO PROVIDE THE DOCUMENTATION USED TO DETERMINE EVIDENCE ON THE PUBLIC AND PRIVATE SIDE WAS INDEED AUTHORIZED BY THE CONSUMER, US BANK HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON SPOKEN TO, DOCUMENTATION USED, SIGNED WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR AN E-OSCAR REPORT. IF US BANK DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER SEC TO FOLLOW CERTAIN RULES. US BANK COMMISSION NUMBER XXXX, XXXX XXXX XXXX XXXX, MINNESOTA, XXXX. DEBT SECURITIES ISSUED U.S. BANK ASSOCIATION. TRUST SECURITIES ISSUED BY XXXX XXXX XXXXXXXX. FIXED TO FLOATING RATE PREFERRED STOCK ISSUED BY XXXX XXXX XXXX. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMER ACCOUNT. US BANK IS SECURITIZING CONSUMER DATA YET REFUSED TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. BY : XXXX XXXX XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023, I had an offer for a balance transfer on my Elan Business credit card. I went on-line to make the balance transfer as my credit limit was sufficient to make these balance transfers. I input all the required information for three companies - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I called to follow up with Elan on XX/XX/XXXX and the Card Services representative said that they received the request to transfer but it was not complete because they required an extra verification and so I gave her the verification over the phone. Prior to the end of the call it was dropped and so I called back on XX/XX/XXXX ( spoke to a supervisor ) and they told me they still saw the balance transfer and it would be submitted. I called back on XX/XX/XXXX ( spoke to a representative in Card Services ) and they also informed me that my balance transfers were indeed pending and would be processed and mailed out within 14 days. Fast forward to today, XX/XX/2023, I spoke to a Card Services Representative XXXX XXXX XXXX who said that there was a " fraud '' alert on my account and that she apologized but no checks had been mailed out. Then I spoke to the Cardmember services, XXXX XXXX who further stated that this company had already charged the balances to my account and never processed or mailed the checks. This is fraudulent activity, and I would like an investigation into the practices of this company. They are deducting from my available credit card balance from approximately XXXX XXXX XX/XX/XXXX and never mailed any checks to substantiate deducting this balance. During my second call to Cardmember Services Supervisor, XXXX she said that they could not remove the fraudulent charges on my card until XX/XX/XXXX. So, we have three areas of inquiry : 1 ) fraudulently offering balance transfers without fulfilling the deal and 2 ) deducting from customer balances without sending out the balance transfer checks and 3 ) misrepresenting to consumers that they have mailed checks when they havent been mailed. I am sure I am not the only one who has encountered this with this company and this needs to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Union Bank defrauded me of {$30.00}, XXXX from XX/XX/XXXX until XX/XX/XXXX. They allowed access to my account for someone, likely a bank employee to pay an XXXX XXXX account that was not mine by ACH transfer. I also have an XXXX account so I had duplicate amount debited in my checking account. XXXX reversed some of the fraudulent transfers but not all. On XX/XX/XXXX, Union Bank became US Bank and US Bank reopened the investigation. But this institution like the previous Union Bank is hiding behind a 60 rule where they say banking regulations do no require that they reimburse more than 60 days of fraudulent transfers. XXXX says it will reverse amounts if asked? I have filed a police report, an FBI report, have an attorney looking into the case and have filed an elder abuse complaint with the County of XXXX XXXX. I have been refunded appr XXXX and still have been defrauded XXXX. Can you please help? Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Dear Ombudsman : XXXX XXXX XXXX, through US Bank, did not let me know that they were charging me non-compliance fees in XXXX of XXXX by hiding them on an online Statement in stead of itemizing them on my checking statement like they used to when I signed up with them in XXXX. When did they start this unfair practice? Also on their emails it states " ... and you are now at risk of losing your PCI program fee discount. '' It did not state that I HAD LOST my DISCOUNT. This is a poor business practice. Then they refused to credit me back my 5 months of $ XXXX month fees when it is because of their lack of communication that I did not fill out my compliance. A couple of Months later, in XX/XX/XXXX and {$240.00} in fees later, when I confronted them about refunding me the hidden fees they told me no. This is outrageous when I have always been in compliance. I guess Elavon and US Bank are too big to care about small business. My husband and I thought they were different than the other corporate banks that we were with previously. If there is any thing you can do to get my {$240.00} in fees back and hopefully prevent this from happening to other businesses, it would be greatly appreciated. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Since last year, I have been trying to get two US Bank accounts ( ending in XXXX & XXXX ), that no longer belong to me, removed from my credit reports without success. As they are no longer joint accounts, I am no longer liable for any of the transactions, charges or balances on these two credit card accounts. US Bank has been notified, both verbally and in writing, multiple times in XXXX & XX/XX/XXXX, while both accounts ( XXXX & XXXX ) were in good standing, to remove me from two credit card accounts as a co-applicant, authorized user, or in any other way even if it meant closing both accounts, which they eventually were. XXXX has been provided copies of the written correspondence sent to US Bank instructing them to remove me from those two accounts. To this day US Bank has ignored all of my attempts and failed to comply with my explicit instructions. PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORTS NOW. XXXX XXXX XXXX XXXX XXXX, IN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46236
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was closed with a balance of {$1900.00} but I only received a check of {$10.00} dated XX/XX/2023. The remaining {$1900.00} is yet to be sent. I have tried calling several times but no assistance has been issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Chronologically : 1 ) Friday XX/XX/XXXX, I received a notification from my customer XXXX that my consulting fees of {$24000.00} have been ACH transferred to my bank account at US bank ( checking account ) 2 ) Weekend of XXXX XXXX, I tried to check online and found username disabled. I called customer service and was told account has been locked by fraud department. Since this is the weekend, call the fraud department on Monday. 3 ) Monday called customer service and after a long wait connected to the fraud department. She refused to say what is the fraud and refused to help. On Tuesday, I was told briefly that the reason they see is names do not match. I was also told to go to my local branch in XXXX XXXX, IL and talk to branch manager. I could not since I was traveling. 4 ) On XX/XX/XXXX my customer XXXX called and asked if everything is OK with my bank. Someone from US Bank called them and asked her if transfer is legit. She told them of course it was. 5 ) On Saturday, XX/XX/XXXX I went to local US Bank and was told manager is on vacation. He will return next Tuesday XX/XX/XXXX. I reached out to US Bank efraud department who has frozen my account- XXXX XXXX by phone multiple times, she never replied. Called local branch manager XXXX on XX/XX/XXXX, he was the only one who was helpful. I was told that bank suspected fraud since the name on ACH was XXXX XXXX XXXX XXXX and the name on account is my name XXXX XXXX. I told him that is my company name and I and my wife are the only owners and workers in the company. Also, I had been receiving 8-9 ACH payments from XXXX to US Bank this way without any issues. He told me to reach out to XXXX XXXX from XXXX to resolve. I called and emailed him tens of times without a single response from efraud department. 6 ) On Friday XX/XX/XXXX, I sent my business license XXXX to XXXX, local branch manager by email proving that I am the President and owner of XXXX XXXX XXXX. 7 ) Tuesday XX/XX/XXXX - response from XXXX - " I received a reply from XXXX, the XXXX manager you had reached out to. After sending the business documents, they are required to send the funds back to the sender and the account be closed. They are not allowing branches to release the funds. I asked him to expedite the process and he was able to submit the request but no time frame. '' 8 ) Time passed, followed up with my customer XXXX if they received any request, they never did and nor did their bank XXXX XXXX bank. From XX/XX/XXXX - XXXX followed up with US Bank XXXX department multiple times and never any response. Received a response from XXXX - bank manager on XX/XX/XXXX - " I apologize that they are unresponsive. There are updated notes stating US Bank has submitted the request to send the funds back to the originator and we are waiting for the originator to respond to the request. '' Again, my customer XXXX said they received no request. I don't know if their bank XXXX received any request. 9 ) Monday XX/XX/XXXX - email from XXXX- '' I received a response today regarding the account. They gave me approval to release the holds and release the funds to your business name. However, we have to wait until the XXXX in order to create the check. '' 10 ) Went to bank on XX/XX/XXXX hoping that I will see my money. I was told by XXXX that there is a new claim ( from my customer XXXX bank XXXX XXXX XXXX ) - XXXX ( description in letter that I received says Hold Harmless Request ). US Bank debited {$24000.00} from my account and is holding it. The funds will be held for 15 business days ( after already being held for a month ) before being released to XXXX. The option is to dispute the claim which I was advised to do by the fraud liaison center and the bank manager. Bank manager again submitted my business license papers to US Bank fraud center by email. 11 ) Today XX/XX/XXXX, I received a notification from customer XXXX that the bank XXXX has told them that US bank has denied the claim and there is nothing more XXXX can do. US Bank will be able to release the funds to my account. 12 ) I called US Bank fraud liaison center and talked to front office CSR. First issue is front office knows nothing about the case, only back office knows, and they wont speak with me. Front office told me that back office says claim is still there from XXXX. They can not do anything. XXXX already said there is no claim anymore since they received the denial affidavit. Back office also said to front office ( CSR I was speaking to ) that even after claim is withdrawn, they wont pay me back. They can only return money to XXXX which anyway they failed to do after more than 1 month. 13 ) Reached out to XXXX branch manager again and requested that he release the funds now that there is no claim from XXXX XXXX He himself wrote before " I received a response today regarding the account. They gave me approval to release the holds and release the funds to your business name. However, we have to wait until the XXXX in order to create the check. '' 14 ) He responded " Prior to the funds being taken out of your account from our fraud department, that statement was true. Once the funds were taken out, the approval to release funds was revoked. It is now completely out of the hands of the branches as everything has been taken over by US Bank fraud, which is why I have provided you with the case # and phone number to the fraud liaison center. When the funds are returned with no holds on the account, that is when I can obtain a new approval to release the funds. '' I believe that US Bank Fraud department has no intention of releasing the funds to me nor returning the funds to the originator bank XXXX since they did not do this for more than a month.
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: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: On XX/XX/XXXX, I purchased a variable-load prepaid XXXX debit XXXX ( issued by XXXX Bank XXXX XXXX person at XXXX XXXX XXXX XXXX of XXXX ) for the amount of {$500.00}. On XX/XX/XXXX, I called the phone number on the back of the card to confirm the available balance & reset the PIN : XXXX. The XXXX routed my call to a XXXX agent. Agent informed me the card was blocked & funds frozen because it was compromised and the next steps for a replacement card. The agent directed me to https : XXXX to upload a set of required documents. After the call, I uploaded the required documents ( store receipt, images of the prepaid card and my photo ID ). On XX/XX/XXXX, I called for the status of my replacement card & informed there were issues with the images. I called back several times because it hard to understand the issues- in particular, the documents that were missing or incomplete. Agents advised me to upload the documents. I was unable to upload the documents to the website. I used XXXX and XXXX XXXX browsers and XXXX XXXX & received the same error message on the first screen ( entering basic information of Gift Card number, barcode ). https XXXX XXXX After several calls about the issues uploading images, I spoke to a manager that advised faxing the documents to XXXX. On XX/XX/XXXX, I faxed the documents again using XXXX XXXX app ( Mobile Fax ). On XX/XX/XXXX, I called to confirm receipt of the documents. The XXXX agent informed me there was no update and to call back. When I asked her the fax number, she told me XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had XXXX business credit card with us bank and for some reason they have XXXX accounts open for me. On my credit card account it would state only a fraction of my payment was due and on the second account my balance would show the remaining balance but I didnt know about any second account. Therefore I thought I was paying my credit card in full each month until I got XXXX statements in the mail and one of them showed over XXXX owed when I thought I was paying it up in full each month. I asked why there were XXXX accounts for XXXX credit card and they gave me a run around that this is the way us bank handles business accounts and I am not the only one this happens to as many business customers have the same Issue and dont know they have a balance or XXXX account numbers. They stated very clearly they have had this happen often where a business owner did not know there were XXXX account numbers and their balance would grow without noticing until months after which is what happened to me. I asked for some sort of payment plan and they declined. They said I either have to pay it in full, pay it off monthly and receive a hefty interest charge every month or go to collections. I then explained no one ever told me there was a second account where I was supposed to make payments and the representative stated someone should have explained that to me and its unfortunate no one did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hello, Im here to make another complaint on a fraudulent bank account opened under my identity. Its causing major problems with my active bank account that I opened, XXXX XXXX XXXX XXXX. This is completely insane. Never was i a consumer of US Bank. This matter needs to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A