Date Received: 2023-06-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A line of credit was successfully opened under my name without my knowledge or consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33781
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: 2023-06-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a US Bank Visa gift card today. I went home to register the gift card at prepaidgiftbalance.com, but it said my account was locked and to call. I called the number on the back of the card XXXX and the rep said my card was compromised and to fill out the form at the bottom of the website, " Card not working? Click here to begin the process Click Here. '' I filled out the form, but it said, " Your request can not be completed at this time. Please contact the number on the back of your card. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX I bought a {$500.00} US Bank Visa gift card. Total cost was {$500.00}. When I opened the package the 3-digit security code on the back was missing or misprinted. I need this to assign a pin. I immediately called the number on the back of the card to get a replacement. I was told to fax three things : 1. front & back of gift card 2. government ID 3. statement of ownership I faxed this information on XXXX XXXX. Two weeks from my first phone call I had not heard from US Bank. I called again today. I was told my fax was received but I need to send my purchase receipt. This was not requested before. No one at US Bank reached out to request this. They are treating me not as a customer but as a nuisance that should go away. Today I'm trying to fax again with a the additional documents but the fax fails before completion. Help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I attempted to pay the balance in full on XX/XX/XXXX via the mobile app. I had to link an external bank account to make the payment, t=but that account did not appear in the dropdown as an option for making the payment. I attempted to link the account again but was given a message that it was already added and was ready to make payments. I took a screenshot of that, and of the page where that account was not an option even after being added. On XX/XX/19 I called customer service to resolve the situation and ask that the interest charges be removed, as I attempted to pay the balance in full by the due date but was unable to due solely to the bank 's IT issues. The representative refused to waive the interest charges and I asked that the account be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: XXXXX
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a US Bank XXXX XXXX credit card, which offers trip delay insurance, as advertised here : https XXXX XXXX I filed a legit trip delay claim through US Bank 's partner XXXX on XX/XX/XXXX, requesting ~ {$400.00} reimbursement. Additional documents were submitted as required on XX/XX/XXXX. However, it has been over 4 months, I haven't received any feedback & payment. Today, XX/XX/XXXX, I noticed that XXXX closed my claim without payment & notification. Additionally, US Bank refused to act on behalf of me. This is a false advertisement of the benefit. I request US Bank 's response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I opened up a new business checking account with USBank for the first time. I responded to a promotional offer USBank sent me, which offered {$500.00} in new business account setup after {$3000.00} was deposited into the account and maintained for 60 days. Then, on XX/XX/XXXX, I receive in the mail a paper statement from USBank informing me that a {$6.00} " analysis service charge '' was assessed to the account. I immediately called USBank and spoke with XXXX, who informed me that USBank charges a monthly {$6.00} service fee to receive a paper statement in the mail. This fee was NOT disclosed on the offer signup, nor when I signed up with the account. As a result of the {$6.00} fee, my account did not maintain a {$3000.00} threshold amount. XXXX walked me through my online account to turn off the paper statements, so that a fee would not be assessed AND XXXX credited back the {$6.00} XXXX paper statement fee, as well as the future XXXX statement fee! A statement fee was NOT assessed on my account for XXXX or XXXX, after XXXX setup my account AND by default, USBank has set up my account to receive a paper statement ... that was NOT my default preference and I did not agree to a {$6.00} bank statement fee!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I purchased a secured Credit Card with U.S. Bank called Altitude GO. I have made all my payments on time and still have credit left on my card which they have blocked for no reason and are not allowing me to access my remaining credit which is my money. Please note, U.S. Bank is not extending credit to me. I am basically paying interest on my own money so I could use this higher limit card to help improve my credit score. I put {$5000.00} on the card so in effect U.S. Bank is taking my money that I still have on my card by not allowing me access to it and I have not received a check for my money that is still on the card. I haven't received any letter that they are going to pay me what they owe me, only that they are going to close the account for no known reason. I believe they are doing this to profit illegally off of the consumer. Since I put {$5000.00} of my money on the secured card and there is about 10 % of room left on the card I am presuming that because I'm a retired senior, they are thinking that I won't take the time or be bothered to try and collect the remaining {$500.00} of my money. This isn't the biggest issue, however, because if they refuse to return my remaining funds, I can proceed to collect my money in small claims. The biggest issue is that they have begun to ruin my credit score which has already been damaged by the locking and closure of this card. I noticed that The Bureau previously found that U.S. Bank violated the Fair Credit Reporting Act and that the banks conduct likely caused substantial injury in the form of fees as well as negative effects on consumer-credit profiles. I also read that U.S. Bank was ordered to stop its unlawful practices and to compensate consumers harmed by it's actions. I would like to remind the Bureau that this bank is continuing to harm consumers, including senior citizens like myself who have done nothing wrong nor committed any fraud. They have ruined my credit score which was increasing before they locked and closed my card as well as 4 other accounts I had in good standing including a {$50000.00} CD account of which I currently have another complaint on file. The Bureau should really take a close look at how this bank abuses it's customers, their funds, and their credit. I am just grateful that the majority of my inheritance, which is a large amount of real estate equity, will be invested with my new bank which has been absolutely great, considerate and professional to deal with. It's a shame that U.S. Bank can't conduct itself with the same integrity. Especially when part of their name which symbolizes our country being the United States, while ironically the bank completely ignores upholding the U.S. Constitution by treating it's customers unethically and unlawfully.
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: 2023-06-19
Company Response to Consumer: Closed with explanation
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: I was involved in a robbery. All my confidential information was stolen. A police report has been filed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
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: 2023-06-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have two checking accounts with US Bank. One checking account had a hold on the account. The other checking account was without a hold. I also had a power of attorney agreement with my son to have access to both checking accounts because I am home-bound and unable to personally go to the bank branch. My son on XX/XX/2023 at approximately XXXX pacific standard time went to the USBank branch located on XXXX XXXX XXXX XXXX XXXX California and requested to the bank teller to transfer {$9000.00} from the checking account with the hold to the checking account without the hold restriction. The bank teller explained that only US Bank 's 24 banker can remove the hold on the checking account. Prior to XX/XX/2023, the 24 hour banker explained that only the bank branch could remove the hold. In addition, the branch bank teller also explained that the account holder who placed the hold on the checking account needed to be present at the bank branch to remove the hold, no hold would be removed to a person with a power of attorney on file with the bank. My son requested to speak to the branch manager. The branch manager, XXXX XXXX, agreed with the branch teller. My son called the 24 hour banker. The 24 hour banker disagreed with the branch bank teller and branch manager. The 24 hour banker called the branch three times, but, the branch manager refused to answer the telephone calls. The 24 hour banker transferred my call to US Bank 's fraud department. The fraud department also tried to call the branch manager to explain that the branch manager was mistaken and the hold should be removed. However, the branch manager refused to accept the calls from the fraud department. The branch manager told my son to go to the " home '' branch where the checking account was originated. The home branch should be able to remove the hold. The branch manager violated my civil rights as a XXXX person to do banking with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted the bank that I had already reopened a account with after settling a large amount owed after being incarcerated. They claim I re-owe the same money I already paid back. I was evicted wrongfully during covid and lost all of my paperwork that shows prof of payments to several collection agency involving U.S.Bank. They are trying to collect thousands of dollars dating back almost 10 years ago. They are super rude and have no working telephone service to talk to a rep any more. Also there apps suggest that it makes and manages my phone calls. Also my credit score has been badly affected for a long period of time due to this, it's also causing me not to be able to get a lone to buy a vehicle and other things. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A