Date Received: 2023-06-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: US Bank offered a very generous promotion that stated by opening a business checking account and leaving a minimum of {$3000.00} in the account for 60 days, that they would pay out a bonus of {$500.00}. This was a ploy to then illegally charge those accounts for an account that was advertised as a free account, meaning no fees. Despite the fact that me and my associates all selected electronic statements when opening the account, US Bank defaulted all accounts to paper statements, without any notice on the promotion or while opening the account. This default not only caused my account to be illegally charged a monthly fee for paper statements, but then disqualified my account for the bonus they promised. This was done by design, and without any remorse as proven by the fact that they happily reversed the monthly fee, while stating to me that it was not disclosed anywhere, and then refused to honor the {$500.00} bonus with the excuse that my account fell below the {$3000.00} minimum when they illegally charged my account for the monthly fee. This goes to misleading and deceptive sales practices which was further perpetuated by US Bank then stating that only a branch manager could solve the problem causing me to drive to a branch that I had never been to, to only be told by that manager that he would have to call the same number I did and would most likely not get anywhere with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone keeps taking money out of my account illegally
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: The bank will not take my outstanding payment of {XXXX} for a closed checking account. You heard me correctly. Apparently, no one at U.S. Bank knows how to take a payment owed to a closed account that appeared as some fee or charge after the fact and after everything was supposedly cleared and settled. The letter I received is threatening to discontinue services, report me to credit reporting agencies therefore ruining my credit, send current outstanding bill to collections therefore ruining my credit, yet they have no way for me to settle this debt. After spending hours and hours being transferred from one customer service representative to another over the phone, they finally admitted that they have no way to take my payment and that they don't know how to do it because something is blocked due to the account being in closure. I called my branch and asked if they could take the payment in the bank and XXXX said he couldn't do it in the system but that if I walk into the branch he will take the payment and give me a hand-written receipt. A hand-written receipt means the payment will not show as being " paid '' in the system meaning it will still be an outstanding debt, even though all my checks were cleared and paid and I have no idea what it is for, I am just trying to settle this ridiculous charge that nobody knows how to process and resolve for me before this horrible bank sends this to collections to ruin my credit because they don't know how to take a payment for a closed account. I'm a retired senior who pays all my bills yet the bank can't give me a person with the authority and knowledge to take a {XXXX} payment I am willing and trying to pay. I have a XXXX XXXX with this bank yet they are threatening to ruin my credit and report me to collections over a {XXXX charge that they are too inept and inefficient to collect from me. I once again attempted to pay the outstanding fee by walking into the U.S. Bank closest to me on XXXX XXXX XXXX today ( XX/XX/2023 ) to try and resolve this debt. Again, no one would take my payment including the branch manager. I waited over an hour while she was on the phone. She informed me that now, because of the {XXXX debt that they are giving me no way of paying, that they are going to take the payment from my XXXX account as well as close that account. This means that the XXXX will not only not be allowed to mature as stated in my contract with the bank, but that since they are closing this account as well for no reason, I will forfeit about {XXXX} as an early withdrawal penalty. My XXXX recently passed away, my XXXX died of a XXXX, and my best friend died of XXXX all within the same year. I never imagined that a bank would resort to these unfair practices, especially with a senior citizen who has done nothing wrong. I have a contract with the bank and I wanted to leave the XXXX alone until maturity but the bank is now ruining that for me. The teller at my branch talked me into the XXXX which I didn't mind. but now I'm starting to realize that the bank is profiting on customer early withdrawal penalties that they are making by unexplained account closures, unexplained fees ( XXXX ) that were added after my account was already resolved and closed by their bank teller with a XXXX balance and no outstanding checks. No explanation for closure, my XXXX XXXX account I wanted to leave alone until maturity in XXXX that now is going to cost me money. I am nearly XXXX XXXX XXXX and alone. I have been crying every single day over how this bank is refusing to help me, won't take my payment for an unknown charge, is threatening my credit and ruining my XXXX account that they talked me into investing in. I had to get another bank which has been fine so far but U.S. Bank has made my life miserable and for no reason other than to illegally profit off my XXXX account I will end up making nothing as I was supposed to. This is a rotten thing to do to good customers that have had an account over a year without any problems.
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: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX I noticed a transaction in my banking account that stated " Return from deposit '' with a withdrawal amount of {$1900.00}. I called my local bank, US Bank, and they were able to inform me that there was a check that was cashed in my husbands name on XX/XX/XXXX. Then on XX/XX/XXXX the person who wrote that check issued a stop payment. So, that money was then deducted from my checking account. This check was cashed against my account in a town that is at least 4 hours away from where we live, in the same state. I was advised by my local bank to contact the fraud center, which is a 24 hour service, so at around XXXX XXXX., I contacted the fraud center. The initial person I spoke with, XXXX, had me on hold for 50 minutes before disconnecting my call. When I called back, I got another representative, XXXX, he was able to give me claim XXXX XXXX He told me that within 48 hours I would receive the {$1900.00} back in my account as a provisional. I called back again on Monday, XX/XX/XXXX and spoke with XXXX. She told me that the previous representative should not have told me that we would receive a provisional as that normally does not occur until the investigation has begun. I then asked to speak with the supervisor and she was able to have XXXX call me back. When I spoke with XXXX, she was finally able to realize what had happened with the account, so she kept the claim open. She advised that we close our bank account as we were afraid that my husband 's identity had been compromised. I was able to call my local bank again and spoke with XXXX. She was able to get us into the office that day to get our account closed and to open a new account. She was also able to get the outstanding checks that we had moved over to the new account as well as my pay check, which is direct deposit. XXXX also printed out the forms that needed to be filled out and signed so that we could start our process quicker. The forms were also mailed to us from the fraud center. We filled out the forms that night at home and I returned the following day, XX/XX/XXXX, to have XXXX fax the forms for us back to the fraud department. I called the fraud department again on XX/XX/XXXX and spoke with XXXX. She told me that the account was noted on XX/XX/XXXX as having received the documents faxed. I was advised to call back on XX/XX/XXXX or XX/XX/XXXX to ensure that nothing additional was needed. I did call back to the fraud center on XX/XX/XXXX and was advised that nothing additional was needed at that time. On XX/XX/XXXX, we received a letter in the mail indicating that one of the forms was filled out incorrectly and needed to be filled out again. This time the document needed to be completed by my husband. They did not let us know this to begin with, so we thought it was ok for me to fill everything out. They should have advised us of that at that time, but they did not. I returned to the bank on Tuesday, XX/XX/XXXX and showed the paper to XXXX to have her fax it back into the fraud office. I again called the fraud department on XX/XX/XXXX and was told that the updated document had been received and was attached to my claim on that day. I am not receiving follow ups from the fraud center while this investigation is taking place. The only communication is when I call them. I'm confused as to why we never received a provisional amount back into our checking account. I was told this could take 2-3 weeks to be resolved, but it has been much longer than that. It has been 7 weeks as of Friday, XX/XX/XXXX. This is unacceptable. I have had to sell stock to ensure that I have money in place to cover our bills and necessities for daily living. We have not done anything wrong and have followed their guidelines and given them the information that's required in a timely manner. Any help that you can provide with resolving this issue between us and US Bank would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Background : I opened my checking account with US Bank ( XXXX XXXX branch ) in XXXX in the summer. Since then I've been depositing my 1099 income into it and I used that account for only that purpose. The fund is sent by XXXX ( a common payment company used by enterprises ) and the amount is sent every two weeks, consistently, with a traceable payer. So in short, there is only one income source for this checking account and the payer is verified and traceable. In addition to the checking account, I also have two credit cards with US Bank. However, in XX/XX/XXXX, US Bank suddenly closed my account without any explanation. I contacted bank via the customer service line multiple times, and was informed that there were " suspicious activities '' in my account. I explained to them the source of funds but no one could help me to resolve the issue. This is not the worse part. What is truly horrible is that US Bank then disabled my online login and does not allow me to re-enable it or create a new one. I tried to do this both online or via the customer support line, and I was informed that, from now on, I won't be able to use the online banking services anymore. How can I pay my credit cards? Will they be responsible if there are late fees or credit card interests incurred? I was trying to give my best respect to their decisions with the checking account. But not allowing me to use any online systems -- even if I try to be a responsible person and pay for my credit cards -- is just pure disrespecting its customers. I demand a response from the US Bank and fix the issues before any financial damaged are done to any further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/XXXX or XXXX, I went to my local U S Bank branch to instigate a wire transfer of money to XXXX. Their computer told them I had recently moved, and I spent XXXX hours proving I had not moved. Then, there was a problem with the SWIFT number the XXXX bank gave me. It was lacking the last 3 numbers ( branch indicator ). U S Bank did not know that if there are no last 3 numbers, XXXX is the default. I found this information on the internet. I went back the next week, Wednesday XX/XX/XXXX. After about 2 hours of intense interrogation regarding the purpose of the transfer and my relationship with the recipient, the branch informed me the transfer was approved. Before the verbal approval, they gave me papers, which I thought was a receipt, and which I reviewed later. They papers were not a receipt, they described the transfer. In very small print, the papers had informed me that the bank 's exchange rate was much less than the going rate, which resulted in me being charged {$250.00} for a {$10000.00} transfer in addition to the {$50.00} transfer fee. The paperwork states that the funds would be availasble to the recipient XX/XX/XXXX. After the transfer was accepted by U S Bank, I was informed it could take up to two weeks for the XXXX bank to make available the funds to the recipient. The disclosures were made in tiny print, and after the fact. As of this date, the money has not been received by the recipient. U S Bank tells me they can not get any information. I have no idea where my {$10000.00} is. I can only hope it shows up in the recipient 's account. I am not even sure that the XXXX might yet reject the transfer. It is as though my money has gone into a black hole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87108
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: I have this bank called U.S. Bank and I have a focus prepaid card that I have received from an old employer. I had just gotten a new job a few months ago and normally I receive my payments on time with them but for the past two weeks I have not received my two paychecks in that card. I was told by my bank on XXXX that they were conducting a maintenance system update, which is why a lot of people who used this bank have not had their balances updated received deposits, or have been able to use their cards. They said that the issue would be resolved between XX/XX/XXXX and XX/XX/XXXX but I still have not seen any changes in my balance because my two checks did not go through. I had called the bank two days later in the beginning of XXXX to ask if the maintenance has been resolved and they said that they dont know when it would be resolved. I waited two more weeks to call because I didnt receive another check and they told me that they didnt understand what I was talking about, that Im talking about a system maintenance that happened in XXXX, that there is not system maintenance and that I need to talk to my employer about the issue. My employer told me yesterday that they had emailed my pay provider company and they said my two checks are pending because they didnt go through. The banker on the phone was rude to me and did not help me at all with my issue. I was suppose to receive my checks on XX/XX/XXXX and XX/XX/XXXX. A lot of people have been having issues with this bank playing games with their money and accounts. I hope that this issue gets resolved and that the bank receives consequences for their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I do a freelance work to do web development. I recently got a client that engaged me for XXXX fee for a simple website. He requested me to also help pay his consultant XXXX since he has no capability to do it. He sent me a check for XXXX, which breakdowns to XXXX as downpayment for my service, XXXX for the consultant, and XXXX convenience for me for facilitating this transaction. This seemed suspicious to me at first so I left a mental note that I would not send any money without getting assurance that I get the funds first. I was very careful and tried to be as vigilant as possible. I got the check in the mail on XX/XX/XXXX, Monday and deposited it on the same day at a US Bank branch near my house. The bank representative assisted me to deposit the check. I watched her check it, and had a sigh of relief because she seemed to know how to scrutinize the check for any signs of tampering or illegitimacy. She scanned and entered the check and again felt a relief when she said it is now good and there are no issues. I checked my account and saw that it is still in hold, something I understand as they need to hold the money since there is a clearing process needed. The next day, XX/XX/XXXX, I was surprised that the amount was already available in my account. As a customer, that is a clear sign that they have completed the clearing process, got the handshake from the other bank, and got the green light to release the account. Since the amount is already in my account, I got confident to proceed with the next steps of my transaction. For my work to commence, I need to release the XXXX fee via XXXX to the consultant so they can release the documents in order for me to start with the specs of the website. All this happened while Im thinking that the amount is already safe in my account since it is already available for me. To my surprise, the client backed out and requested me to give them back the remaining amount. At this point I became suspicious once again, but since the money is not mine, and I just want to end the transaction, i gave them back the remaining amount via XXXX from my another bank since I am nearing my limit in the US Bank XXXX. I slept comfortable that night knowing that XXXX XXXX have any liability anymore. The next morning, Wednesday XX/XX/XXXX, I was shocked that my account in US Bank reflected that the amount XXXX was reversed and that they are taking back that from my account. I was surprised that what I thought was a cleared check transaction can still be reversed. I have called the bank and their fraud dept resulting to reports being filed and a communication to zelle that a malicious transaction has happened. I also called my other bank for the other zelle transaction and they also filed reports for it. I think that the US Bank branch should bear responsibility on this based on these following complaints : 1. US Bank Fraud revealed that the check is fake, and the account in not existing in City National Bank. Why didnt the branch representative caught signs of fake and fraud and still proceeded with the transaction? As a non-banker, I wouldnt know the things they should have checked before accepting a check. Isn't it part of their training? 2. US Bank releasing the amount is a clear sign for customers that the check has cleared. Multiple times they have said that the bank wants to avoid comments from irate customers for not releasing the money immediately thats why they release the amount even if the clearing is not yet. I believe that it is a risk that they take to cater other customers in order for them to provide better and faster services. In turn, they put other customers in risk whithout us knowing the process. 3. Upon depositing the check, they did not give the option to release the amount immediately or hold the amount since they can not fullt cerify the check which is from another bank. They also diid not disclose the fact they it may take them XXXX days to fully clear the check. 4. The customer ls have no way of knowing, either in person, text or email that the check has been fully cleared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of Identity Theft. The credit card company is called us bank. On my credit report it said it opened date open XX/XX/2022 credit limit XXXX. I reported it as Identity Theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a customer of US Bank for 3 years and 2 weeks ago there were 7 fraudent charges I noticed upon checking my account transactions, in which I immediately contacted US Bank customer support and they took the report and in the meantime sent me THREE new debit cards at oonce when I have no idea why considering I only need one, and they did their investigation and found I was not at fault and sent me a letter confirming this and that they had credited my account for the fraudulent charges and that was all and I felt relieved and thought everything was fine. Then within a week or so I was experiencing problems trying to XXXX money to a friend and I wasn't able to transfer funds between my 2 accounts and not able to do anything online so I called them to after a huge run around and being transferred 3 times because nobody could figure out what was wrong I finally get a representative who conferred with her supervisor about what the problem was and got back on the line with me and informed me that US Bank had closed my account and when I asked why, she assured me that it was strictly for my protection because of the fraudelent activity and that they were protecting me as their customer and that all I needed to do was to go into a branch and open a brand new account and I even asked her if there was going to be any problems because nothing I did was wrong and she once again promised me everything was fine and to go open a new account the following business day. I then went into a branch of US Bank located in XXXX XXXX California branch located on XXXX XXXX inside a grocery store and when I went to the counter, I explained why I was their and what US Bank representative had told me to do and what happened next blindsided me and felt like I had been slapped in the face when the branch manager named XXXX proceeded to stand behind a teller and IN FRONT OF EVERYONE INCLUDING CUSTOMERS AND BANK EMPLOYEES AND SAY TO ME IN THE NASTIEST, LOUDEST, RUDEST, UNPROFFESSIONAL, DESPICABLE WAY THAT, " I WAS NO LONGER WELCOME TO BE A CUSTOMER AND TO GO TAKE MY BANKING ISSUES ELSEWHERE! '' THUS ABSOLUTELY HUMILIATING ME, MAKING ME LOOK SOO STUPID AND LIKE I WAS SOME KIND OF TRASH AND I WAS MADE TO FEEL LIKE I WANTED TO SHRINK INTO THE FLOOR I WAS SO EMBARRASED FROM THE SHEER, INTENTIONAL, DISGUSTING WAY I WAS TALKED TO IN THE MOST DEMEANING WAY! I asked why customer support had told me that it was for my protection and told me to go in person into a branch and there would be no problem opening a new account to which he gave me one of the ugliest looks I have ever seen and stated, " They told you that so you would show up in person so we could tell you that you are no longer a customer and that we don't want your business and to bank somehwere else! " So I was lied to, tricked, told to go into a US Bank branch under the pretenses that everything was fine and that I was just being protected as a customer, only to set me up to go into the branch and get blindsided and treated like I was garbage, humiliating me in front of everyone and put down in the nastiest most evil way possible by this manager XXXX. I didn't deserve that treatment or to be lied to and given instructions as a set up to make me look and feel stupid by US Bank and I am filing this complaint because what they did to me and how I was treated is despicable and just about as badly as one can be treated in any business let alone a banking institution that I was a loyal customer of for years with no problems and I never did anything wrong. Now as a result I have not been able to open a bank account at a major bank because of US Bank closing my account without reason and has messed up my finances, with bills not going thru that are attached to my US Bank account on auto pay and I am getting returned checks and incurring fees all due to US Bank and their unscrupulous business practices. This is unnaceptable behaviour and unprofessional and that's putting it mildly. I believe US Bank should be held accountable including their representatives who set me up and lied to me giving me false information and especially the manageXXXX XXXX at the branch I went to because this all has been humiliating and now I am having horrible problems scrambling to get a bank account and having problems solely due to US Bank and their unsavory ways. Please do something about this, Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A