Date Received: 2023-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX : My sister passed away Late XXXX : I met with attorney. Advised to keep one account open to receive any checks in sister 's name only. I notified US Bank via phone and spoke to XXXX XXXX to inform them of her death. XX/XX/XXXX : I went to XXXX branch of US Bank. I was told no beneficiary was listed on the checking account. They told us no further new transactions could come out of account and only pre-existing auto-pays such as her mortgage and utilities would continue. They told us the rest would have to go to probate. the plan was to request a small estate recovery once all checks had been deposited from sale of house. XX/XX/XXXX : ( date on letter ) XX/XX/XXXX : ( date of my phone call ) I received a letter stating that my stop payment request had been received. I never made any such request and obviously neither had my sister so I called to confirm they were aware she had passed. They would not discuss any information on the checking account or even discuss the letter but confirmed they were aware she had passed ( they transferred me to XXXX XXXX twice ). They did confirm no new business could come out of account. XXXX of XXXX : The house sold. XXXX and XX/XX/XXXX : Receiving checks from sale from real estate taxes and unused insurance. XXXX XXXX : Received statement from US Bank which showed an unauthorized withdrawal on XX/XX/XXXX of XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. I called US Bank again and once again directed to XXXX XXXX and told would sort these out once probate happened. XX/XX/XXXX : I spoke to attorney and started probate proceedings. XX/XX/XXXX : I received a statement from US Bank which showed an additional XXXX withdrawn on XX/XX/XXXX. I once again called and this was a repeat of earlier conversation. XXXX XXXX : I received statement showing unauthorized withdrawal of XXXX on XX/XX/XXXX. I did not call this time. XX/XX/XXXX : Probate hearing for small estate in XXXX XXXX XXXX. XX/XX/XXXX : Received paperwork from court. XX/XX/XXXX : Had an appointment with branch manager at XXXX XXXX. I presented my paperwork and was told I could only have what was left in the account. I wanted to discuss this further with the attorney. They assured me the account was truly frozen and no further transactions could occur ( even pre- arranged autopays ). I noticed even the XXXX to patreon my sister had coming out of the account stopped at this time. XXXX XXXX : I received statement showing another unauthorized withdrawal of XXXX from the account on XX/XX/XXXX. XX/XX/XXXX : I received Notice of Insufficient Funds in mail. They had actually given out more than what was in account. XX/XX/XXXX : I called and reported all above to OCC. XX/XX/XXXX : I filed my complaint. XXXX : referred my complaint to you by OCC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I bank at US Bank in XXXX. In mid XXXX a check I mailed to a company was stolen from the mail. The check was washed and altered from {$7400.00} payable to business to {$17000.00} payable to an individual. The thief also changed the date on the check from XXXX to XX/XX/15. I check my bank app every day and caught the theft within XXXX hours and drove to my branch. They told me no problem and to not even bother doing a stop payment. The branch helped me send in all affidavits and copies of both the original check and the altered check and a copy of the police report. Its now been over a month and the fraud department told me today if they dont recover the money I will lose it. This clearly violates the law and State regulations on washed checks. Its a clear cut case with clear proof. They also had me send in the affidavit 3 times saying it didnt arrive or a minor error. I have formally requested the money be returned and was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I realized XXXX was running a scam, so I called Elan Financial Services whom I have a XXXX XXXX XXXX XXXX XXXX card with and told them I was finished doing business with XXXX because they are running a scam, so dont let XXXX charge my card anymore, and I got my credit card number changed with Elan , and I asked them not to let XXXX know my new credit card number! Elan gave XXXX my new credit card number and allowed XXXX to charge my card unauthorized charges in the amount of {$450.00} on XX/XX/XXXX. I tell Elan Services these are unauthorized services, and Elans rep tells me the {$450.00} cant be unauthorized charges : because, I have used turo before : which makes no sense! Elan needs to credit my card for these unauthorized charges from XXXX for {$450.00}! Now today Im finding out that there are several unauthorized charges on this Elan Financial Services credit card up under recurring which Ive never noticed before and they still have XXXX up under recurring : eventhough, I told Elan on XX/XX/XXXX that I no longer do business with XXXX. Now I want all these recurring merchants and unauthorized charges taken off my account and I need to be credited for all these recurring charges except for the XXXX charge from XXXX XXXX XXXX. Unauthorized charges are XXXX XXXX {$410.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX {$190.00}, XXXX XXXX {$9.00} XX/XX/XXXX, I dont remember XXXX XXXX XXXX being {$54.00} on XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$42.00}, XXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX, XXXX {$13.00} on XX/XX/XXXX, XXXX XXXX {$50.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have made multiple transfers from XXXX to my US Bank checking account using both 1-3 day delivery and instant transfer with no issues. However, I made an instant transfer of the balance of my XXXX to US Bank on XX/XX/2023. The transfer was initiated at XXXX XXXX and showed as completed at XXXX XXXX. The funds were never credited to my US Bank account. I filed a Reg E dispute claim for the missing deposit and received a denial letter on the 10th business day by mail. I had already contacted XXXX and was provided a tracing number for the bank-to-bank Real-Time Payment network transfer of {$290.00} XXXX XXXX ) as this is not considered an ACH transfer. US Bank has done nothing to attempt to locate where the funds went or credit my account. This information was provided to them when I filed my dispute for the missing deposit. The OCC states the issue does not fall under its jurisdiction and referred me to the CFPB. It is frustrating that is has been 2 months and the bank nor the regulator want to performance their due diligence in resolving the issue. The funds did not just disappear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: I entered into a merchant services agreement on XX/XX/ with XXXX, through an individual named XXXX XXXX who represented himself as part of a company called XXXX XXXX XXXX The agreement stipulated that termination must be completed using a form provided only by XXXX. I sent notice of termination of that agreement to XXXX XXXX on XX/XX/, which was acknowledged by reply email stating that he would send the termination form. The form was never sent. The agreement also stipulated that if it's terminated within 45 days of inception there will be no termination fees. Now that XXXX XXXX has XXXX the termination form past 45 days the termination fees will incur. It should be noted that I interacted with no other individuals beside XXXX XXXX and representatives from his company XXXX XXXX XXXX. I was never given contact information for XXXX or a company, XXXX XXXX XXXX, who has sent me a default notice threatening collection based on fees charged by the agreement that XXXX XXXX should've cancelled on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: {$500.00} promotion stated that the bonus woul dbe posted with 45 days of the deposit being verified and held in account for 60 days. Spoke to XXXX at US Bank on XX/XX/XXXX and she confirmed withthe back office that the qualifications were met and to wait an additional 4 to 8 weeks. This goes agaonst the promtion bonus payout terms. Deposit made on XX/XX/XXXX. Deposit to be held for 60 days and the bonus to be paid within 45 days of that date. " The new money deposit can not be funds held by U.S. Bank or its affiliates. The business checking bonus will be deposited into your new U.S. Bank Business Checking account within 45 days of balance verification, as long as the account is open and has a positive balance ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 I received a letter stating that all my personal accounts, business accounts, and credit cards with US Bank stating they are cancelling all the above accounts. When I asked then why they stated they are able to close these accounts without giving a reason. I feel like this was targeted because I am a XXXX American Male and I own a ATM machines and they closed my account because they believe for whatever reason I was engaging in money laundering activity or some type of illegal activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, my wife XXXX XXXX and I, XXXX XXXX, put money down to buy a house from XXXX XXXX in XXXX XXXX, Arizona. XXXX XXXX referred us to US Bank for financing because I operate a small business. Through U.S. Bank, were were prequalified and we had planned to use them to secure a Jumbo loan for {$1.00} XXXX less 20 % down. The house was delayed significantly due to supply chain and labor related issues. However, the home is now scheduled to close on XX/XX/XXXX ( changed by XXXX XXXX from the original closing date of XX/XX/XXXX ). The US Bank person we've been worked with all along is : XXXX XXXX, Mortgage Loan Originator | NMLS # XXXX. Direct : XXXX or XXXX. XXXX has been there for us throughout this process and an excellent resource. However, there was a series of unfortunate, corporate-driven events that occurred that prevented us from locking in rates on XX/XX/XXXX and XXXX, XXXX where we could not get a 7-year ARM rate quote from XXXX to make a rate lock decision. While I'm uncertain of the exact reason, I was told that one day " the system was down '' and, the next, XXXX did not have access because US Bank Corp changed their pricing parameters. XXXX indicated the threshold and price parameters likely changed due to tightening concerns as US Bank prepared to close on their acquisition of Union Bank. Consequently, as consumers we are being subjected to this new threshold whereas we should have been grandfathered in as the old pricing parameters in existence before XX/XX/XXXX. With quoted rates of 6.5 % as of XX/XX/XXXX, the process is subjective, deceptive and discriminatory. If we were to lock today, the rate spread will cost us ~ {$760.00} per month. Ultimately, US Bank changed the rules in the game without telling us or formally sending us a notification. Plus, they locked us out from being able to make an informed decision with our mortgage agent. And, had we know this were the situation, we would have been more aggressively shopping for another provider. XXXX shares in our concern and has expressed this to management for an appeal, but they have said no so far. He plans to appeal again today. With the closing just over a couple of weeks away, we now need to lock-in a rate by this Friday, XX/XX/XXXX. Your help is greatly appreciated in helping to facilitate this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been approved for Georgia HAF program and they sent the ACH payment to my mortgage company, US Bank on XX/XX/23. US Bank received all the funds on XXXX to reinstate my mortgage ( {$11000.00} ) plus 3 months of future mortgage payments ( {$4500.00} ) for a total payment of ( {$16000.00} ). They still have NOT applied the funds to my mortgage account to reinstate it. There is a foreclosure sale date of XX/XX/23 and I still have no concrete answer from US Bank on when they're going to post the funds to my mortgage account so the sale date can be canceled. They have not even sent me a letter in the mail with info on the status of the foreclosure since they have the money. No one is giving me concrete firm dates on when I can expect the funds from the HAF program to be posted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been banking with US Bank for around 3 years now with no other problems. I attend college and was recently reached out to by someone who I thought was within my school ( they were using a school email account ), about a job proposition. We email back and forth about job details before he agrees to send me a check for my first pay and for the errands I was going to run supposedly ( the job was a XXXX position for someone claiming to with a security company ). When the check arrived it had the sum of a little under XXXX , I made an additional account with my bank for the funds I was going to receive from the supposed job. I deposited the funds by mistake originally into my main account, but after a day the check was processed and accepted into my bank. Where I then moved all but XXXX $ ( my supposed pay amount ) into the new account. Thursday XX/XX/2023 My supposed employer was then asking me to XXXX a local camera shop XXXX $ XXXX supposedly. When I did this and it didn't immediately go through they asked me to cancel the payments, which I then did, so none of the money was spent. They then kept asking me to buy gift cards to pay the Camera shop, which I did not do, because despite all the other red flags that was the one that screamed in my face that this was most likely a scam. I still was in my mobile banking app with it open, not doing anything but was then told my mobile banking was unavailable and my XXXX XXXX was notifying me that my debit cards attached to my wallet were no longer valid cards. I call my bank immediately to find out what was going on, which they informed me my account was under review for fraud and was most likely going to be terminated, but that I might be able to talk with my branch manager about this to still save my account. I went in and all that she was able to tell me was that my account was currently being closed by the fraud department and that this job was a scam. My branch manager also told me that there wasn't anything she could do for my account as it was handled by the fraud department and also that I would never be able to bank at US Bank again because I am a risk for fraud now and they have a XXXX tolerance policy for even accidental fraud, where the person didn't know what they were doing. They then advised if I wanted some other resolution that I would need to call the fraud department about it. Sunday XX/XX/2023 I called the fraud department again and they explained that yes my account is under review for fraud, in which none of my funds are accessible and they will not be closing my account to dispense any funds to me yet, and that there is no time duration on how long it will take them to close my account, or send me my funds from the account to me. They also informed me that this process falls under a different branch besides the fraud department, in which has no email or phone number to contact them at and that any communication when sent will be done so only by mail. My issue is, I work, yet I have no money to pay my bills that are due at the end of the month like my rent. I am going to be evicted because I can't access my bank account or its funds for the next however long the bank decides to take. I did not spend any money received from the faulty check that had my account shut down and have been a good customer to the bank for a long time, and now I can not bank with them ever again because of something I wasn't involved in besides being the victim who is scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89506
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A