Date Received: 2023-06-01
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My complaint is about US Bank Focus Card. This is a payroll card instrument provided by the US Bank. I am unable to get my money out of the bank because of the following reasons : 1. When I go to the branch, they are unable to help me. They can't see the balance on it, nor can they disburse money per my request. They are telling me that the only way is to use their ATM. 2. When using an ATM, it is limited to only {$1500.00} per 24-hour limit. And the timing is controlled. If I made a withdrawal at XXXX PST, I have to come back the next day after that time or get rejected. 3. The only customer service number provided by the branch is the one on the back of the card. It is stated that this is a 24/7 number XXXX. I had dialed that number over 50 times at this point, including XXXX XXXX XXXX XXXX XXXX XXXX, and so on. It makes you jump through the hoops only to disconnect you after a few tones with an automated system telling you that there are too many callers. At XXXX XXXX? Such a lie! 4. Website is not letting me do anything with my money either! I can't transfer the money anywhere, and being forced to open a checking account with them is the only option. I don't need their checking account. I already have one, and I am set. 5. I feel that earned money is being held hostage by this banking institution which is a form of theft. They are making an interest on my funds daily, and I am forced to keep running around trying to extract my money! Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. I demand this be updated to paid as agreed on all XXXX credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: U S BANK {$1200.00} I have reported this company stating this debt is not mine. They keep verifying it with already-known information. However, I have an FTC, CFPB, and a police report stating I am an identity theft victim. It even shows on my credit reporting accounts. This said account is nothing more than another theft account that was opened fraudulently without my permission and knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was a XXXX XXXX customer who over this last weekend had their account shifted over to US Bank due to the merger. When I finally set up my US Bank portal, I noticed money missing from my account. After researching, I discovered at least 5, possibly more, duplicate pending charges. Contacted the US Bank customer service and was told that they were aware of the issue, but it's " not their fault '' and it's going to be resolved by the end of the business day. The customer service insisted that the five completely different charges by five different companies were doubled during the transition due to an error on the five different companies end. They said that there was nothing US Bank could do as it wasn't their fault, but somehow it would be resolved by end of business day today. If it's not US Bank 's fault, how can US Bank claim that it will be fixed by the end of the day? I don't appreciate being lied to and currently have a bank account that is overdrawn because of this problem. Waiting until the end of the business day is not an acceptable solution when I have bills to pay!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Three months ago, our checking account with U.S. Bank was closed to due to fraudulent activity. They created a new account for us, but within 2 weeks, the exact same thing too place. Therefore, we decided to just transer our money to another bank. U.S. Bank has told us that in order to do so, we need to be issued a check for the new account, but we've been waiting 2 months and no check has been issued. We call the Fraud Dept. weekly and the same thing is being said - " We have no timeline of when to expect the check to be issued ''. We are two XXXX XXXX people and all of our money exists in this account. We are forced to constantly use our credit cards, but those bills need to be paid and yet, we don't have access to our own money!! This situation is more than just frustrating, but it's causing us to receive notices from collection agencies because we don't have access to funds to pay our bills. Please please help us. We have a mortgage to pay and we are in a serious problem. We just want to be issued a check to move our funds out of U.S. Bank, Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I went into The US bank and spoke to XXXX. She informed me that my account was closed out because i owed {$20.00} on it they let run to be a larger sum. They worked with XXXX XXXX and XXXX XXXX Police Officer XXXX and XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX California. They stole my handbag on XX/XX/2021 at the XXXX XXXX XXXX parking lot. They turned it in at the XXXX Police Department almost a week later once they copied all my credit card numbers down to clone. They sent me fake mailers in the mail from alleged credit card companies so as to illegally have all my credit cards cancelled. This was to cut me out of money so i couldn't pay bill so that XXXX XXXX could get her hands on my inheritance money she stole behind my back by bribing alot of court, lawyers and public officials. It can easily be tracked by the Arizona car dealerships. There are hundreds of cars that were purchased with my stolen identity i did not authorize any of them. DMV and XXXX staff all in on the organized crime. At the same US bank XXXX XXXX XXXX XXXX XXXX lawyer also kept an account there in my name. The money in there was been disbured out to whoever you can pull security tape footage on. It was not me. My neighbor XXXX XXXX XXXX and her XXXX XXXXXXXX XXXX husband have been living off my stolen workmens comp. I reported XXXX XXXX XXXX to the XXXX XXXX XXXX back in XXXX. They got bribery money as well and shut down the investigation. An XXXX from XXXX XXXX called me but sounded like he was recording me and a sham. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX all paid XXXX XXXX a XXXX from XXXX XXXX to steal my phones imei number to block my communications and run money romance scams in jail via XXXXXXXX XXXX XXXX money wire transfers in my name and credit card fraud. They are using military security clearances to hack into the local cell tower in XXXX XXXX and blocking my communications with lawyers, banks, and other important people i need to speak with. They also used their access to the local cell tower to bounce my call to US bank customer service to a telemarketing center scammer who stole all my info from my front and back of card. She never helped me with resetting my online bank account. it was all a set up to steal my card information. When i reported it stolen a few weeks later they order me a new one. Almost 2 months pass i have not received my card yet. When i went to inquire at the XXXX XXXX US branch, XXXX told me it never arrived because they closed my account. This police officer XXXX and XXXX XXXX have been intercepting my mail with help from XXXX XXXX XXXX. She is the XXXX XXXX XXXX XXXX and also worked at XXXX XXXX. This needs to be forwarded to the IRS and The US Postal Inspectors. If you look online hundreds of people all over the country have also never received their stimulus money as well. They are getting assistance from XXXX XXXX XXXX XXXX XXXX XXXX an d if questioned by authorities he is witness to these crimes and more. He is also the one helping these folks pull of the hacking and rerouting by abusing his job position. XXXX XXXX and his roommate both are military and abusing their security clearances. They are re-routing IRS documents printed at the local library to his XXXXXXXX XXXX in Utah. Police officer XXXX is pretending to be married t me. That is false and fraudulent. The power of attorney is also fraudulent. These area career scams artists. they pull scams and fraud all over the country. Look at my XXXX XXXX XXXX in around XXXX i posted all the fraud they perpetuate through the postal service and via hacking into cell towers stealing phones information. They probably learned all this hacking at the military to rip off banks. Notable hacks include XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and others. Another law group they used to steal from me was XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX were also stealing from me through a XXXXXXXX XXXX account. XXXX XXXX is anther lawyer stealing. Then we have XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX ALSO FALSIFYING DOCUMENTS AND STEALING FROM ME AND OTHER CLIENTS. The accounts are in my name with joint account so the thief " fake husband '' could steal out of it. there XXXX be other accounts there. That is ehy they have been stelaing my mail out of teh post office and mail carrier so i wouldnt find out about the fraud. My neighbo at XXXX XXXX XXXX XXXX gets the mailman XXXX and others to hand deliver tehy mail they steal from me. Other witnesses are the XXXX XXXX XXXX who runs prison scams and the others who live at XXXX XXXX XXXX XXXX. The electrician that install XXXX XXXX cameras inside home for XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX all in XXXX XXXX AZ XXXX. You can send investigators there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/, I received an email from US Bank, stating a payment of {$800.00} had been sent from my US bank account to a XXXX XXXX, via XXXX. I have never desired or attempted to apply for XXXX. When I tried to sign in to my account, I was blocked out. I called the number provided and set up an appointment to visit the branch office, to close out my old account and open a new one. I was told, at the end of the appointment, that I would receive a call to set up a new login and pin for the new account ; that call never came. I was also told that I would be receiving a new debit card and checks in the mail. As of today, XX/XX/2023, I have received neither. I did, however, receive a letter from US Bank stating that my complaint, regarding the {$800.00}, taken from my account had been denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a customer of XXXX, which recently was acquired by U.S. Bank. On Saturday XX/XX/XXXX, I was frozen out of any access to my online checking account, such that I could not even check my balance. By Tuesday XX/XX/XXXX, access was back up only if I filled out a form to create a U.S. Bank online account. However, I have not received my debit card in the mail, and U.S. Bank ( as my bank now is ) cancelled my XXXX debit card, so that I can not pay bills, withdraw cash, or otherwise have access to my money. This was compounded by the servers for online banking crashing for U.S. Bank, such that I currently have no debit card or access to online banking, putting me in unexpected financial precarity. I would respectfully submit the bank failed in its duty of care to customers during the merger, when these foreseeable problems should have been anticipated and avoided. The handling of customers has left me and many other XXXX customers financially adrift, and is far below standard to which any financial institution ought to treat customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday XX/XX/2023 I deposited {$900.00} cash in the US Bank ATM on XXXX XXXX in XXXX California. I filed a dispute immediately inside the bank. The bank manager responded be stating I would be credited by the following business day. I have not yet been credited. I contacted US Bank customer service almost every day. At first they told me to check the next day, then they told it would be ten days before they would credit me. Then after ten days they told me it would be ten business days ( excluding weekends, and holidays ). Now they are telling me it could be up to 45 day before they credit my account. I am a XXXX XXXX, I needed that money to pay my bills and am afraid my utilities may be shut off please help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: US Bank allowed fraudulent transactions over several months after I reported fraud and stolen debit card. My social security XXXX automatically deposited to my account, US Bank never resolved all of the fraudulent transactions over a year period. Withdrawals, deposits made to other online financial services which were unauthorized, US BANK refused to resolve the disputed and fraud accounts and never issued a replacement bank debit card. Checking and savings both impacted. Over $ XXXX in monies stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A