Date Received: 2023-05-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotion that stated : Pay at least one insurance bill with your Fidelity Rewards Visa Signature Card by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a XXXX bill on XX/XX/XXXX in the amount of {$210.00}. The terms state within 2-3 billing cycles but the promotional points have not posted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A local ( XXXX, Mn Branch ) Us Bank Branch banker ( XXXX ) called me to solicit opening up a CD around XX/XX/2023 under a promotion with a XXXX APY for 11 month term. She sent me the application link via email and i completed it while on the phone with her. When we got to rates I questioned why the rate I saw was XXXX APY side said oh thats the current promotion ; however, I am submitting a special pricing request that is done with a form to my [ regional/district? ] Manager they approve it and then you will see it on your account. I work at a bank, familiar with this process, it is not uncommon so I felt comfortable proceeding. She committed to emailing me when she got confirmation of the approval. I did not receive email, but waited. The first month interest got paid. Still no change in interest. I called XXXX at the number she provided and left message and my number she never responded. 2 weeks later again called back left message still no call back. XXXX or so weeks later I called the main Us Bank customer Service and asked to file complaint and they said someone would call me within XXXX Business days and no one did. I called again on XXXX XXXX ( 2 months after opening CD, still at XXXX APY ) and asked to file another complaint. They had no record of my first complaint because they do not have a complaint system and no notes were on my account. They again said someone would call me in XXXX business days and no one has contacted me. I attempted calling Branch, but it rolled over to the main customer service line. At this point Im upset 1 ) that the banker misled me to opening the product up at an APY that was not valid ( Sales practice misconduct ) 2 ) the fact that US bank does not have a way to properly catalogue, remediate, and disposition customer complaints. 3 ) the lack of follow up, run around and transparency provided to me from the financial institution 4 ) lack of timelines and number of times I have had to make contact and still have no answers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: See fraudulent inquiries on my credit report for companies XXXX ( XX/XX/2023 ), XXXX XXXX ( XX/XX/2023 ), and XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX ( XX/XX/2023 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My credit card company processed duplicate transactions for 2 separate transactions. I tried to resolve the issue multiple times with their customer service department, but their system disconnects me. I attached a screenshot showing the 4 transactions on my online portal and I also attached the statements showing 2 transactions. The transactions were to a company called XXXX XXXX. See the attachements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good day from XXXX Called XXXX XXXX XXXX twice between XXXX and XXXX multiple transfers and no one knows how to complete my request : Cancel the u.s. bank secured credit card application submitted on XX/XX/XXXX. It has not gone through yet and I have already submitted to a better online offer. I AM NOT calling them back. I have no issues since opening the account. JUST THIS ONE They have 2 days to fix or the acct is going down on Friday XXXX. An additional complaint was submitted with the XXXX today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52404
Submitted Via: Web
Date Sent: 2023-05-30
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: Problem accessing account
Consumer Complaint: Starting XX/XX/2023 US Bank took over Union Bank & shut down on-line access for 5 whole days. During that time I could not access my Union Bank account via on line. On XX/XX/XXXX I received an email from US Bank stating their site was active & I could sign up for US Bank services. I tried to do so for hours, made over 5 calls, spent at least 3 hours trying to find out why, after setting my User & password, that the site was not working. Next morning, XX/XX/XXXX I tried logging in again in the morning, no luck ; error message " This is not a valid account. '' Called again, was place on long hold ( 23 + minutes ), had to leave so hung up. Came home, around XXXX tried to log in, account stated LOCKED due to too many log in errors ( not my fault ). Called again, was transferred to tech support. XXXX representative told me unless I WAS willing to use a different browsers, ( I use only XXXXi ) that she could not help me & someone else already had opened up a case w/ case # so she could not help me. She was very rude. She told me it would be XXXX days before the assigned case manager would be able to get back to me! That would make the total amount of days I have not had access to any on-line bank what-so-ever at least 8 days!! Shocking! They stated others were having same difficulties with trying to set up a new account! This is unacceptable. I am operating in the XXXX. I am afraid to deposit any money into US Bank because they do not seem to be responsive, helpful, or transparent! They needed to have all the bugs worked out before they made the transition! Also, they are making the consumer go thru all kinds of delays, calls, exercises with technology that the consumer may not be able to execute or access. IT IS NOT UP TO THE CONSUMER TO WORK FOR HOURS & DAYS & MAKE CHANGES TO THEIR PERSONAL SOFTWARE TO BE ABLE TO USE A SIMPLE ON LINE CHECKING ACCOUNT ACCESS. IT IS VERY STRESSFUL NOT TO KNOW WHERE I STAND WITH MY BALANCE WITHOUT HAVING TO CALL US BANK & BE VERBALLY TOLD BY A STRANGER WHAT MY BALANCE IS! I AM VERY WORRIED THAT MY SOCIAL SECURITY CHECK DIRECT DEPOSIT WILL BE MESSED UP WHEN IT DROPS ON XX/XX/XXXX! LIKELY THAT WILL BE MESSED UP AS WELL. THIS HAS BEEN A COMPLETE MIS-HANDLING OF A BANK TRANSITION and possibly the mis-handling of consumer accounts and their ability to access their checking account via on-line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93444
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2023, bank charged me a statement fee. On the previous statements no such fees were charged, and no communication was sent to me that such a fee will be charged on the next month statement. They have some sort of a policy that if I am enrolled into their smart rewards, I will not be charged a statement fee. I have been enrolled in this program since XXXX but was not charged a fee until I received the latest statement from XXXX which showed the fee in one of the transactions. Also, the fees are shown as one of the transactions under withdrawal. I think they should have shown me the fees charged Year to Date separately so that it is quite visible and clear. Contacting them is super difficult. One can only contact them via phone and no email. On phone the customer service agent when asked to file a complaint, seemed to justify fees rather than instruct me with directions on what happens when such a complaint is filed. They did not even honor correcting their mistake or crediting me the fee amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had XXXX points ; when I checked my account earlier, I only had XXXX points. I was told that my account had expired. I told them I did not cancel my account, and it remained open even though I hadn't used the card. I was told that I was supposed to receive a letter from them reminding me that my points were expiring. This is so misleading and unfair!! I spent a lot of money to earn the rewards and even paid off my credit card balance XXXX years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX US Bank had sent a message on my online account that my account was being suspended. When I called the number they didn't or wouldn't tell me anything. So I went to a US bank branch in XXXX XXXX on XXXX XXXX and spoke to a banker XXXX XXXX. She had to set an appointment for me on Wednesday the XXXX of XXXX because the offices of the fraud department was closed. At approximately XXXX XXXX on XX/XX/XXXX I meet with the banker and she called and spoke to someone regarding my situation. They told they didn't want my business anymore and they were closing my account due to me breaching my contract. The banker asked if they could un lock the hold so I could get some funds because I didn't have no money and this was about to be a holiday weekend. They told her NO they would mail me a check This almost criminal because I have no money to pay for me to live right now where I could be on the streets because I'm in between housing and I ve been stay in hotels. I have no money to eat or even get to my job because of this situation. I'm in a very distressed situation and no gave a darn about me and my well being. I need my funds now or if I need to call the XXXX on your side news people to let them know of the in justice that I'm going through. I would appreciate someone calling me to resolve this issue. My number is XXXX. I have not been able to eat and basically no place to stay through this situation. I don't a person should be treated the way that I was. I am a hard working individual that has put money in this bank and to get treated like a nobody is really disheartening. I hope to hear from Someone tomorrow Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95660
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A