Date Received: 2023-06-01
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: On XX/XX/XXXX XXXX my active business account with US Bank was accessed by the bank 's collections dept and a deduction of {$1800.00} was made, under claim that the bank was exercising the right of offset ; charging that account for an amount which they claimed was in default in connection with a previous credit card account with the bank which had been closed since XXXX My complaint, is that I did not receive any written, telephonic or electronic notice from the US Bank of their intention to garnish my current business account for a past credit card account that had been cancelled and closed in XXXX In a call to the bank to address this issue, on XX/XX/XXXX XXXX, US Bank disclosed that the alleged default resulted in a charge off sometime in XXXX. However, this fact was never communicated prior to that conversation. A Charge Off, means the lender or creditor has written the account off as a loss and that account is then closed to further charges and the bank is then able to to receive tax exemptions, adjustments, etc., in their efforts to offset, cancel or otherwise discharge the defaulted debt. I believe US Bank acted in bad faith, when taking money from my current business account without giving a fair notice of its intention to collect on the default it alleged. I never received any communication from the bank to address this issue, until receiving a XXXX extremely Urgent delivery the day after monies were deducted from the account. This clearly demonstrated that the bank had the ability to contact me about the default, but chose not to do so. This allows US Bank to arbitrarily impose immediate financial harm to my living situation, as they have taken what was in fact, my rent money. As a XXXX XXXX now living in a fixed income which does not adequately cover my monthly living expenses, the bank 's action to collect have caused undue harm, when done without giving a fair notice and opportunity to address the issue while avoiding the severe financial difficulties I now find myself in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/23 I purchased XXXX but when I did the transaction the Company XXXX said my account debit card could not be used so I thought nothing else about it but the company took out the money anyway thru my US Bank account. I was in contact with bank and a banker noted my account of what happened thus leaving my account in the negative. After that I was told to report this to Fraud Dept where I left numerous messages but the person did not return my message. I called back got same message and held for another fraud person. I explained the situation and this person didnt want to hear anything I had to say he told me my account was closed and I tried to ask why and I was rudely responded by is there anything else after 3 times. This was not fraud I was doing nothing wrong. I have his name and should be in notes. I will furnish more information when requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I signed up to a US Bank XXXX account on XX/XX/2023. The promotion states that I will receive {$500.00} after depositing {$3000.00} and having the account open for 60 days with a balance of at least {$3000.00} by day 60. It is now past the 60 day mark and I have received no information from the company regarding the bonus. My acct # is XXXX Please investigate this. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had four accounts with Union Bank, which as of a week or so ago was absorbed by US Bank. US Bank appears to have successfully transitioned my two personal checking accounts. But something went wrong with my business checking and business savings accounts. While I can deposit money into and write checks on at least the business checking account, US Bank is telling me that I can not access the business checking account via US Bank 's website because of some problem during the transition. ( There may be a similar problem with my business savings account. ) Then they said I'd need to go to a US Bank branch to resolve the issue. Except the US Bank branch nearest me ( which used to be a Union Bank branch ) has no availability in XXXX or XXXX, according to US Bank 's website. When I asked for a supervisor, I was routed to a voicemail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am an existing Union Bank business customer. US Bank acquired Union Bank and online bank account was supposed to be switched from Union Bank to US Bank starting XX/XX/2023, according to US Bank. On XX/XX/2023, when I tried to transition my online account access to US Bank, I received a variety of errors from their website. The first few attempts were met with a message that said, " There is a problem on our end. It shouldn't last long. '' Eventually I was able to get past that error, but US Bank 's website gave me more, different errors while trying to access my account, stating that it could not identify my identity. I spoke to a customer service agent who said that due to a " coding error '' by Union Bank during the transfer process, I would not be able to access my own business account, even though the agent admitted I was who I claimed, the sole proprietor of this business. They said the only way to resolve it was for me to make an in-person appointment at a branch and providing them with ID and documentation. Or else I could resolve it by mail, a process which they said typically takes 2 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a prepaid XXXX gift card which advised that if I wanted to use it online I needed to register online. I attempted to register the card and system advised me to call the card center. I was instructed to upload a picture of the front and back of the gift card and a picture of my driver 's license, which I was hesitate to give a picture of my driver 's license, but was told they wouldn't activate or reissue my card with no official government I.D . I followed all instructions, including uploading the required documentation and when I clicked submitted, I got an error notice and was told to do it all over again, which I did and got the same error notice. Now the website tells me to call the card center again. This is an arduous process in which it appears to be a deterrent by the card company to make the process frustrating and time consuming so the gift card recipient never uses the card, thereby allowing the card company to keep the money. This is far from the only time this has happened to me, as a matter of fact it happens quite often and this time I decided to make a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was a customer of Union Bank, US Bank took over my account and I haven't been able to access my account online. I've spoken with the bank 3 times now and my issue has not been resolved, even though 2 of the 3 said it was taken care of. XX/XX/31 was my first call. 2 other calls were on XXXX. They say they have customer service 24/7 but apparently that doesn't include issues such as a fraud alert. I have to speak to a specific person who put a fraud alert on my account instead of being able to have it handled by someone else who in the company. Additionally in notes of the report that has shut off my account there is no last name or department mentioned. So the 24/7 line that I called wasn't able to give me any answers. To summarize, my account was cut off with no explanation and seemingly no accountability, and apparently this is under the control of one person, without whom I have no hope of accessing my account for the first time since becoming a US Bank customer. I never had a single issue with Union Bank. And now since the merge I haven't been able to access my account for 5 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with US Bank on XX/XX/XXXX with a promotional code of XXXX which based upon amount of direct deposit a promotional bonus was to be paid. I met this criteria in the first 60 days with XXXX XXXXXXXX in money direct deposited into the account. I called in early XXXX to ask why the bonus hadnt been paid and they said wait until XX/XX/XXXX and if it wasnt paid to contact them back again. I contacted them back again on XX/XX/XXXX and they entered yet another case this time and told me someone would contact me to ensure it was paid out. I filed a CFPB complaint and the reasoning stated that the reason the promotion was not paid was because the intended recipient was different than the person filing the complaint. I am the person filing the complaint, the person that opened the account, and the person for which the direct deposit was from. Contact information was provided by US Bank if I wanted to discuss further or get a further explanation and I left voicemails with them but no one has ever returned my phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: on XX/XX/2023, consumer of XXXX XXXX XXXX XXXX credit card, issued and administered by Elan Financial Services attempted to log into account to pay off the balance. User was unable to do so due to 'technical difficulties '. System put a security block on the account without provocation or notification preventing user from logging in to view transactions, balance, or pay account off. XXXX failed attempts to contact 'customer server ' resulted in no service to make a payment due to a fallacious statement made by agent stating the block was placed AFTER i made the calls. This would be impossible, as I was calling due to the block having been placed and unable to access the account. There have been no issues with logging into view and pay balances in the past. This is a retaliation against another Elan financial services card ( Fidelity ) where several statements against Elan have been made regarding their lack of protection against fraud and their failure to follow up on said allegations with all 3 consumer credit bureaus. Solution : remove block from user 's account to allow user to pay balance in full. At this time, I have no ability to access my account, putting it in jeopardy of being late. This is a purposeful attack by Elan and needs to be halted, immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27012
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have looked at the inquires for XXXX and noticed some discrepancies. Starting with one named XXXXXXXX XXXX inquiring about finance other than personal on XX/XX/2022. Also have a couple miscellaneous inquires from XXXX XXXX on XX/XX/2022 that i have no clue what for. And another from US Bank that falsely ran my credit. I have also called them and they state there is nothing they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A