Date Received: 2024-02-07
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I opened a dispute with US Bank that has continued to have ongoing issues after they closed my first complaint. This pertains to my HELOC opened in XX/XX/XXXX. Upon opening and sending out checks on my behalf, the branch did not scan in the paperwork and my balance remained at XXXX until XX/XX/XXXX. In XXXX, I took two withdrawals from the line, in addition to the checks they sent out. However, I paid them both back in a matter of days ( as evidenced by my US Bank checking XXXX XXXX, and XXXX XXXX statements ). The payments were as follows : XXXX. {$24000.00} on XX/XX/XXXX XXXX. {$5000.00} on XX/XX/XXXX XXXX. {$2.00}. XXXX on XX/XX/XXXX. These three payments zeroed out anything I electronically pulled from the line while I awaited the cashed checks to appear. After claiming this issue was resolved, I received a letter dated XX/XX/XXXX that my balance was {$190000.00}. The max I can take from my HELOC is {$170000.00}. Then, on XX/XX/XXXX, I opened the US Bank app to see that the balance had jumped from {$160000.00} ( the result of them correcting the errors ) with a XXXX balance due to {$170000.00} with a late charge of {$29.00}. This is simple math that their back office can not seem to understand. I have attached the statements proving that anything I personally took outside of the checks US Bank sent out was repaid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a credit card of U.S.Bank. Last XXXX ( XXXX ) I found out that someone using my card information and I reported my fraud case and asked closing my account as soon as i found it. But after 6months, I still a blance mail from us bank and found out my crdit score is degraded. I called us bank and they told me that they just pending my fraud case and not processing my request so that's why I still got the blance mail and degraded credit score. I want to solve this issue and get back my original credit score Please help me get back my original credit asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a gift card months ago ( XXXX, XXXX I believe ) from XXXX XXXX grocery store. This is a prepaid XXXXXXXX XXXX XXXX ) for {$100.00}. I tried to use the card in the store immediately after the transaction, but it was denied. I've never had a problem doing this in the past but I was told by the store clerk that everything looked good and that I would just have to wait XXXX minutes for activation. I then registered the card online as instructed, before placing an order on XXXX. The transaction was declined as well. So I called the number on the back of the card and they told me that the card was cancelled citing fraud! After verifying my receipt & that my purchase was valid, The customer service rep pointed me to a website and told me I needed to upload my driver 's license to prove I was a real person, and so I did. Several weeks go by and there is no contact, so I call them back for a status update. They then tell me that I need to upload a copy of the giftcard alongside the copy of my driver 's license, front and back for both. I attempted to do this on the site again as instructed but because I had already submitted documentation for the card/dispute in question, I was unable to add additional documentation to the ticket. The customer service rep was unable to assist me any further and insisted that I send the requested copies via FAX or USPS snail mail. I opted to send the documents via XXXX on XX/XX/year> and verified SEVERAL times that I had the correct address before sending them out! I waited XXXX weeks to reach back out to customer service. They are now telling me that they never received the requested documentation and are unable to help me until they do. I have had several other calls intermittently throughout these months and no one can assist me. I feel strongly that this is a scam to simply take people 's money who are simply unwilling or unable to take them to task. I have done everything they have asked of me, multiple times, and they are still holding my money XXXX! Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Well in my credit report it was telling me that I had to open account so I go to the bank and the bank teller tells me it's because I was left as a beneficiary so I got the certificate after I went back she said she couldn't find the account no more cuz they have a new system and they were just giving me a bunch of problems because the account was from XXXX and the person who left me is for beneficiary she's not related to me but I knew her since a kid so I don't know who to ask information from
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: We currently have an escrow account with US Bank. In XXXX XXXX XXXX we received notice from XXXX XXXX XXXX that our account was in default. Our property taxes had not been paid for the entire year with a balance of {$3400.00} and deliquent fees of {$650.00}. What we learned was that their was one parcel number change and that US Bank computer disregarded it. The county sends all banks property owners names and parcel numbers that need taxes paid. Our names were on file with one parcel number that was different. we believe this should have been flagged. But we were unaware till notification in XXXX. After contacting the mortgage department, they assured us that the taxes would be paid and they would pay the deliquent fee. We have received notice that US Bank is charging us for the deliquent fees plus adding on an escrow advance amount of {$1100.00}. All we are asking is that the bank refund the deliquent fee and the advance escrow fee and we will bring our escrow account up to date. But prior to this we had sent a letter in regards to closing our escrow account, because of what happened. US bank responded with a fee of over {$600.00} to close this account. Mentioning it had something to do with RESPA. I reminded them that we did not do a mortgage loan with them. They had bought our loan fromXXXX XXXX XXXX XXXX XXXX XXXX ). We set up the account just like we did before. There was nothing mentioned in fees if we chose to close the escrow at a later date in any of the Bank or Title disclosure paperwork.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 988XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter. Specifically, the inquiries were recorded on the following dates and by the following companies : US Bank on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries. To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information. Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue. I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future. Your prompt attention to this matter is highly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/24 {$200.00} XXXX {$100.00} XXXX {$92.00} XXXX {$290.00} XXXX {$370.00} XXXX {$980.00} XXXX XXXX XXXX XXXX After noticing transactions that was not made by me I immediately contact us back XXXX and file a claim. I received a letter in the mail XXXX telling me that my claims were denied and included that I initiated, authorized, or benefited from the transactions. Which is false accusations with no proof..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90062
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, I sent an ACH payment to my daughters account at XXXX XXXX from my account at US Bank. This payment was to be for a deposit to her IRA. My understanding is that she could only accept {$5000.00} for an ACH, so the payment amount was {$4900.00}. After several days, the ACH had not gone through, but the payment had posted to my US Bank account. I called XXXX XXXX, and they needed the ACH Trace ID to find the transaction. I have called US Bank many times over the past 5 weeks, and the Fraud Department keeps submitting a dispute to their disputes department, because they admit that the required Trace ID was never given to the ACH transaction, and they can not track the funds. After going back and forth, today I spoke again with the Fraud Department, and they resubmitted the dispute again. Meanwhile, no funds have been transferred to XXXX XXXX for over 5 weeks. US Bank needs to provide me the mandatory Trace ID for both the transmittal of the ACH, and the receipt from XXXX XXXX, so that XXXX XXXX can find the payment. I do not believe the payment was ever sent, which is a sentiment shared by some of the people I have spoken to at US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93619
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account with U.S. Bank with the terms that I will receive {$400.00} in welcome bonus if the direct deposit exceeds {$6000.00} within a 90-day period. I completed the requirements and called and the customer persons said that the welcome bonus was on my account and will be added soon. Two months go by and I call again to inquire. They say they will confirm and let me know what happened. They mentioned I will get an email. I got nothing. Two months go by and I call again. The customer care person keeps me on hold for 30 minutes and every time I ask, she says she is researching what happened. At the end of XXXX minutes, she stops replying and cuts the call. This is the worst experience I have had with a bank and I have received no information about my welcome bonus and why I still do not have it even though I completed the requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99354
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a USBank personal credit card account which should currently have a XXXX balance, but does not as USBank is claiming that I owe yet another {$100.00} in interest charges in the next 8 days. I have a credit limit of {$14000.00}. According to my XX/XX/XXXX billing statement, I had a balance due of {$10000.00} where a {$350.00} payment credit was made, with alleged interest in the amount of {$220.00}, leaving a billed balance of {$10000.00}. This statement shows an opening date of XX/XX/XXXX and a closing date of XX/XX/XXXX. Unbeknownst to me, and based on the information provided to me through the online account, I submitted a payment of {$10000.00} on XX/XX/XXXX. My understanding was that my account would be a XXXX balance with said payment. However, I logged into my online account on or about XX/XX/XXXX and discovered that my balance was not XXXX, but instead, carried a balance due of {$220.00}. I reached out to customer service through the online site 's secure chat system about this issue and the representative informed me that the balance, which was XXXX 's interest, was valid and needed to be paid in order to bring the balance to zero. While I did not necessarily agree with the charge, I paid that in full. Now today ( XX/XX/XXXX ), I logged into my account yet again because it's normal practice for me to check my credit card online accounts frequently, and I discover yet again that I now have a balance of {$100.00}. I have not made any purchases or charged anything to this card in months. I reached out via telephone to customer service again today, and again, this representative tells me that the {$100.00} is a valid charge. She informed me that the {$100.00} balance was interest charged on the prior {$220.00} interest charge. How is that even possible? How does that make any sense? How could that possibly be legal? The rep stated that I should have paid the {$220.00} interest payment by XX/XX/XXXX - that making said payment on XX/XX/XXXX was the reason why I was charged interest on top of interest. According to the online account, this additional {$100.00} was also applied to my credit card account on XX/XX/XXXX. Not only was I charged interest on interest, but the percentage of interest I was charged was nearly 50 % which is not APR for my account. Additionally, interest is ONLY charged on " purchases '' not on interest. I expressed to the rep today that I disagreed with the charge, but she stood firm on her position that the {$100.00} was a valid charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A