Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have Two inquiries on my credit report that i did not authorize nor have knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Elan financial Inquiry Date : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Problem when making payments
Subissue:
Consumer Complaint: I had a reserve line of Credit at US bank, in addition to my regular checking account. The reserve line was in past due status, as I was going thru a tough time financially. They called me demanding that I need to make a minimum payment ( well before 90 days past due btw ) to keep my account in good standing. I asked them if I was to scramble and somehow make that payment, that my account would be in full good standing. I was VERY clear about this. They lied and said it would be, then I scrambled to make the payment, only to find out that they had put the account into a paydown status only BEFORE our call. So, essentially the account was closed and they lied to me to get me to make a payment. This is a screwed up thing to do to someone when funds are extremely tight.
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: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 US BANK XXXX XXXX XXXX XXXX XXXX and/or Office of the president, Dear Sir or Maam, I received your mailed response on XX/XX/XXXX. I would like to discuss further somethings that were mentioned in your response to me. First in regards to the check that was deposited in error and from my wrong account, I apologize but I accidentally deposited that check into my US Bank checking account ending in XXXX from my XXXX XXXX account that was closed instead of my active XXXX XXXX account. That was done in error and when I caught it I immediately contacted US Bank to have them stop the check but was told by US Banks 24 hour banking dept that they had no way of cancelling that deposit and I fully explained to them the error that was made. The agent still wasnt trying to be of any assistance in contacting a higher up department to see what could be done in this situation. I did not intend to deposit that particular check. I also feel like after Ive expressed to XXXX as well as every agent Ive spoken to in regards to the check fraud claim that I am experiencing a real financial hardship because of me not receiving my cashiers checks from US BANK which has since caused me to become behind on my mortgage, my auto loan and other bills and has since affected my credit score and could cause other long term affects. I did not cause this issue and I feel very saddened that US Bank would allow this to continue to happen to me when they have all the ability to provide provisional credit while this check claim is still being worked so that Im not caused any further hardship. The fact that you stated in your response to me that you would not offer me a credit knowing very well you could is very disheartening and frustrating to me. So I would have to absolutely disagree with you when you say US Bank delivers an exceptional level of service. Because every time I contact the fraud Liason dept. the agents never know how to address my concern when Im very clear to them what the purpose of my call is about. Either Im left having to argue with the agent back and forth about the reason Im calling and because they never want to get management to the phone when I request a supervisor or manager. Or Im constantly being transferred to XXXX voicemail as if shes the only one that Im allowed to speak to as a customer calling in to discuss business. She never return phone calls. Or the agent doesnt know how to reach the XXXX Department to get the most up to date status of my claim. Or the call is disconnected by the agent on me. This has been a horrific situation and US BANK fraud Liason dept has not made the situation any less stressful. I am experiencing a hardship here because of me not receiving my checks from U.S Bank and is causing longterm affects on my credit and payment history. To receive a response that provisional credit wouldnt be honored after it was promised to me is not a sign of showing exceptional service. I am deeply saddened by US Banks response to me and how long it took to even receive a response. Also I do believe that the response was suppose to be given on the XXXX website but Ill be sure to contact the agent there and send her copy of the letter US Bank sent to me letting her know I am still not satisfied with the stance US Bank has chosen even in the midst of me expressing that this situation has caused a hardship for me yet nothing has been done to relieve or rectify that. I will also be reaching out to the Consumer Financial Protection Bureau as well as the FDIC to get the official policy on cashiers check claims. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I sent this email to the District Manager of USBank the other day. It has the whole story, in a nutshell : ATM failed to give me my money XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX ( 2 days ago ) to XXXX XXXX XXXX XXXX On Saturday, XX/XX/2023, I went to the USBank located at XXXX XXXX, XXXX XXXX CA XXXX XXXX I have a XXXX card, and this ATM is in their network. I put in the card, I put in my PIN number, and I requested {$300.00}. The machine made the typical whirring noises as if it was going to give me money, but the door opened and shut immediately. I did not get my money, and the screen said something about the transaction not being supported, or something to that effect. I did not get a receipt, it took a bit for me to even get my card back, and the next thing I did was to try and see what my balance was. I have a receipt that shows a XXXX balance, and in reality, I have {$25.00} still left on the card. If you need to see a copy of the receipt, I can send it, but I am sure you know that ATM was {$300.00} over on that day. You also have cameras to see that I did not get any money out of it. I can also provide you with a picture of me... So, I made a phone appointment yesterday at XXXXXXXX XXXX, and XXXX XXXX called me, was very condescending, and told me to file a claim with XXXX. It's not their machine. It's your machine. I WANT MY MONEY. I am prepared to file a claim with the Consumer Financial Protection Bureau. I am going to give you until tomorrow to tell me that I can go to that branch and get my money on Friday of this week. If you do not, I will not only file the complaint, but I will post online in as many forums as I can, telling people that you are thieves, and to take their business elsewhere. Just FYI, I have been an XXXX XXXX XXXX XXXX XXXX for seven years. I have posted MANY reviews in that time. My posts have had over XXXX views. Do you really need that much bad publicity? FIX THIS. Waiting for your reply, XXXX XXXX XXXX ( XXXX ) XXXX ( I will be available to receive phone calls from XXXX XXXX XXXX XXXX tomorrow if you would like to discuss this and apologize to me for your equipment failure )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been attempting to close my account with US bank for over three weeks. They keep telling me they have placed a hard hold on my account, but then continue to post transactions. I then make covering deposits, and again ask to finally close my account. The complete failure of the bank to simply close my account is hugely problematic. I continue to monitor the account and act in good faith, but they continue to fail to close it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Today, XX/XX/2023, I tried to pay my hotel bill with my US Bank Visa debit card and it was declined even though I have enough money in my account. I called customer service for US Bank and they said they suspected fraud and transferred me to the fraud department. The fraud department left me on hold for a long time and I had no guidance from their phone system as to how long the hold was. Since I did not do anything unusual, I think the fraud tag is their fault not mine and that is why there are so many customers being transferred to fraud. I can not get this fraud tag taken off without calling them but it is impossible to talk to their fraud department. They never do anything when I email them, so I am not falling for that again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98021
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my check account on XX/XX/2023, US bank said they will send me a check # XXXX with {$3100.00} ( balance ) in 7-10 days. I did not receive the check. I need call them 10 times and waited 30 minutes per calling, agents did not know how to deal with. Then they asked me to do notary public to state of loss the check. In fact I did not receive it at all. US bank checked online and did cancel the check on XX/XX/2023. After I sent them notary public XX/XX/2023. They did not send me the check. I called again and again, they said we will send. However I did not get it at all as today, Note : I did not remember my XXXX XXXX XXXX is the check of US bank that said to be sent to me, but I did not get. They can find it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: About 2 years ago I refinanced a commerical property with US BANK. Around last XXXX they came back and said they need to do additional paperwork to match the loan to title. For 6 months I provided requested information. I went in to a branch last fall to sign the new documents. AT ALL TIMES I WAS TOLD THIS WAS JUST FIXING THE PAPERWOR AND NO CHANGES WERE BEING MADE TO THE LOAN. They had me come back around XXXX of this year to sign even more documents. Then in late XXXX, XXXX again said he needed more documents signed. I was busy and couldn't get to it right away and XXXX said he needed them ASAP and would even come by and pick them up. So i went to sign but read the documents first. They attemped to MODIFY the note by adding in a PREPAYMENT penalty that was not in the original loan. This was stuck in the middle of a bunch of other RUSH signings. At no time was I told that they would be modifying the note. I responded that I would not sign the amendment because it was a fraudulent attempt to modify the note. They also have falsy reported negative information to the credit bureaus. I tendered payment in full and on time. But UNKNOWN to me, they changed the loan number. And US BANK rejected my payment. This was discovered and corrected. But they not only reported a late payment ( wrongly ) but they haven't fixed it and now there are 60 day late payments. My credit score dropped almost XXXX points and i was denied credit ( this is how i found out ). And this doesn't even begin to relate a separte major screw up on their credit card/banking side that took me 9 months and cost my thousands just to get them to fix their problem. And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused. Another Complaint : US Bank credit card reps ignored mutliple direct demands not to withdraw money out of a closed account because there was no money in the account. They did it anyway causing an overdraft. US Bank credit card side DOES NOT COMMUNICATE AT ALL to their banking side. I spent over XXXX hours on the phone on multiple occasions, went in to TWO branch offices and was ALWAYS told that they would take care of it. NO ONE DID ANYTHING. But of course i got multiple threatening letters telling me i had to pay it. I wrote emails and letters to branch managers and regional managers before i got this taken care of. AND I STILL HAD TO PAY THEM MONEY I DIDN'T OWE THEM! And this isn't 1/10 of what i had to go through. Complete incompetence at every level. They simply ignored me and demanded that i pay them. And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused, AGAIN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84124
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: 1. Signed up, opened the business checking account as a sole proprietor and enrolled in mobile banking, with the promotional offer XXXX, which offered {$500.00} bonus for those depositing new funds of {$3000.00} to the account. 2. On XX/XX/2023, it was opened successfully with a funding deposit of {$100.00}. Thereafter, depositing {$3000.00} on the account on XX/XX/2023. 3. Left money for over 60 days on the account to meet stipulations. Withdrew the money on XX/XX/2023. 4. Called 30 days post all requirements ( including code being entered correctly while opening the account ) being completed since my offer still was not credited. 5. Representatives XXXX and XXXX have both verified that the offer requirements were fulfilled ( not sure when the phone conversations took place ) and one of them escalated this to the promotional offer department. They should also have notes on the account, as between XXXX, I have called four times to get to the bottom of this situation. 6. As of XX/XX/2023, nobody from the promotional department or from US bank has called me or shown accountability for this error and inconvenience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX at around XXXX I attempted to use an ATM but the ATMS ar four different locations were out of order. I ran into customers who also could not access funds. Sometimes the ATM said my card was invalid, other times it said out of order. I attemped to use my card at the grocery store and it was denied. I was not able to buy dinner with my credit card either. I called US Bank and they insisted there was no outage and nothing they could do. I see on XXXX there was huge outage starting on XX/XX/XXXX but US Bank won't acknowledge it is ongoing or tell us when it will be fixed. I have not been able to access my account for several days now. I'm concerned my autopayments and rent won't be processed either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A