Date Received: 2023-05-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: used my XXXX at atm n it took my card n shredded it. why would it take my card that I've used at other atms, Us bank atms, along with others, it has never did that, I wasn't even allowed to process anything. just took my card, n I'm very upset. this card CAN not be replaced right away. I have to order a card. now I have no access to my funds. WHY WOULD YOUR ATM DO THIS? IF IT DOES NOT RECOGNIZE A CARD WHY DONT THE MACHINES REJECT THE CARDS " NOT SHREAD ''. How is this even legal. Your ATM TOOK MY CARD AND CUT IT UP. WHY? BECAUSE IT COULDN'T READ IT?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: US Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2023 Branch visit complaint Inbox XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX, XXXX, me, XXXX I am bringing to your attention that branch client relationship consultant XXXX XXXX refused to help me per other teller gave I'll-advised and discretions to charge me {$7.00} per page from XXXX XXXX XXXX in order to disputes on my unauthorized charges to my checking account and charging me for effective communication and accommodation fee before they allow to assist me. I have filed U.S. Bank internal and Consumer Finance Bureau on this follow up ongoing issues. I was upset and this is uncalled unacceptable. They are putting me in this jeopardy taking away my rent money and my bills needs to be paid today end of XXXX business day. Also they refused accept my deposits also. XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX, XXXX, me, XXXX I'm heading to meet up in your regional office to ask for you to help me with my account. Be there around XXXX. XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as there are three individuals in the TO line on this email I need to ask, Is this directed to Myself? XXXX XXXX, I am more than willing to assist sir, but I am a Regional Manager in Mortgage and not directly connected to the Retail Banking centers. My Partner at U.S. Bank, XXXX, is the District Manager of Retail Bank Branches, and possibly the correct person to talk to. I say possibly, as you do not reference which Retail Bank Branch you were in and had this issue. If she is not the correct District Manager, she can surely help get you there. I am more than willing to assist, my phone, cell is below sir. XXXX XXXX XXXX Vice President | Mtg Regional Retail Mgr NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX | XXXX | usbank.com From : XXXX XXXX XXXX Sent : XXXX XX/XX/2023 XXXX XXXX To : XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX Subject : [ EXTERNAL ] Re : US Bank Branch XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2023 Branch visit complaint [ WARNING ] Use caution when opening attachments or links from unknown senders. I'm heading to meet up in your regional office to ask for you to help me with my account. Be there around XXXX. On Mon, XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX wrote : I am bringing to your attention that branch client relationship consultant XXXX XXXX refused to help me per other teller gave I'll-advised and discretions to charge me {$7.00} per page from XXXX XXXX XXXX in order to disputes on my unauthorized charges to my checking account and charging me for effective communication and accommodation fee before they allow to assist me. I have filed U.S. Bank internal and Consumer Finance Bureau on this follow up ongoing issues. I was upset and this is uncalled unacceptable. They are putting me in this jeopardy taking away my rent money and my bills needs to be paid today end of XXXX business day. Also they refused accept my deposits also. XXXX XXXX XXXX account ending XXXX U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX me Thank you for your response. I thought the regional us bank office here in downtown XXXX I just got here at XXXX and XXXX XXXX in lobby to get branch manager to reach regional manager on my behalf. Thanks. XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that's the one I'm reach branch manager XXXX XXXX XXXX get her in touch with regional manager on my behalf and to resolve my account. XXXX XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to help. I tried calling you and left a message. Are you available to call me at XXXX? XXXX XXXX XXXX XXXX - U.S. Bank Vice President XXXX XXXX XXXX XXXX XXXX XXXX | a. XXXX | XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, me, XXXX XXXX XXXX XXXX XXXX XXXX I have talked to XXXX XXXX a team member at the branch you are at, she shared XXXX is currently with another customer. XXXX is able to assist and print your statements for you. Please reach out to me directly if I can assist additionally or throughout the interaction this morning. Thank you, XXXX XXXX XXXX XXXX - U.S. Bank Vice President XXXX XXXX XXXX XXXX XXXX XXXX | a. XXXX | XXXX Mail Delivery Subsystem XXXX XX/XX/2023, XXXX ( 3 days ago ) to me The original message was received at XXXX, XXXX XX/XX/2023 XXXX XXXX from XXXX [ XXXX ] -- -- - The following addresses had permanent fatal errors -- -- - XXXX ( reason : XXXX # XXXX Address rejected. ) -- -- - Transcript of session follows -- -- - ... while talking to XXXX. : XXXX XXXX To : XXXX <<< XXXX # XXXX Address rejected. XXXX XXXX XXXX... User unknown XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX me I just got your message. I tried to find right location regional office us bank and seems that I'm at wrong location. Cab just drop me off. Do I need to go to right location at right address? Or whatever? Your teller you talk to. We can work it out here. Thanks. XXXX XXXX XXXX, XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you are able to go back into the branch at XXXX XXXX XXXX XXXX XXXX XXXX would be happy to assist with printing statements for you and no need to travel to an additional location. If while in the branch, you would like me to speak directly with the team member please have them call me or I can call them as well. I am hopeful we are able to assist and work to resolution. Thank you, XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : me I'm trying to clear my disputes account to get immediate provisional credits because I need to be paying my rent and storage bill due date is today. Instead of taking 3 to 10 business days to hit back to my account. I'm losing my home and belongings if I don't pay my rent dues. Please help me out. Thanks. XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Mon, XX/XX/2023 at XXXX Subject : US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Branch visit complaint To : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I'm trying to clear my disputes account to get immediate provisional credits because I need to be paying my rent and storage bill due date is today. Instead of taking 3 to 10 business days to hit back to my account. I'm losing my home and belongings if I don't pay my rent dues. Please help me out. Thanks. XXXX XXXX On Mon, XX/XX/2023, XXXX XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX XXXX, I would like to help. I tried calling you and left a message. Are you available to call me at XXXX? XXXX XXXX XXXX XXXX - U.S. Bank Vice President XXXX XXXX XXXX XXXX XXXX XXXX | a. XXXX | XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/2023 XXXX XXXX To : XXXX, XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : [ XXXX XXXX XXXX : Re : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 Branch visit complaint [ WARNING ] Use caution when opening attachments or links from unknown senders. Thank you for your response. I thought the regional us bank office here in downtown XXXX I just got here at XXXX and XXXX XXXX in lobby to get branch manager to reach regional manager on my behalf. Thanks. On Mon, XX/XX/2023, XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX, as there are three individuals in the TO line on this email I need to ask, Is this directed to Myself? XXXX XXXX, I am more than willing to assist sir, but I am a Regional Manager in Mortgage and not directly connected to the Retail Banking centers. My Partner at U.S. Bank, XXXX, is the District Manager of Retail Bank Branches, and possibly the correct person to talk to. I say possibly, as you do not reference which Retail Bank Branch you were in and had this issue. If she is not the correct District Manager, she can surely help get you there. I am more than willing to assist, my phone, cell is below sir. XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX Pronouns : He/ Him/ His O : XXXX | M : XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX | XXXX | usbank.com From : XXXX XXXX XXXX Sent : Monday, XX/XX/2023 XXXX XXXX To : XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX B XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX Cc : XXXX, XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2023 XXXX XXXX complaint XXXX WARNING XXXX Use caution when opening attachments or links from unknown senders. I'm heading to meet up in your regional office to ask for you to help me with my account. Be there around XXXX. On Mon, XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX wrote : I am bringing to your attention that branch client relationship consultant XXXX XXXX refused to help me per other teller gave I'll-advised and discretions to charge me {$7.00} per page from XXXX XXXX XXXX in order to disputes on my unauthorized charges to my checking account and charging me for effective communication and accommodation fee before they allow to assist me. I have filed U.S. Bank internal and Consumer Finance Bureau on this follow up ongoing issues. I was upset and this is uncalled unacceptable. They are putting me in this jeopardy taking away my rent money and my bills needs to be paid today end of XXXX business day. Also they refused accept my deposits also. XXXX XXXX XXXX account ending XXXX U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Send XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX, XXXX, XXXX, XXXX, XXXX Please do call us hopefully trying to figure out XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I wanted heads up that I spoke with US Bank. They are working on my debit card and checking account. Please allow give them time and be able to pay my rent on or about this Friday XX/XX/XXXX. Thank you for understanding and patience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 3 days ago ) to me Thank you! XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I will start off by saying I am a previous XXXX XXXX XXXX XXXX. I feel like each time I have a situation that is out of my hands that involves needing a banker, I have a hard time getting good customer service because of this. I feel like they are discriminating against me because of me being a previous XXXX that they may not necessarily like or agree with. However when it comes to bank errors, I do not feel like I should be treated like an employee but rather a customer.. The most recent happened today. Over last year. I randomly have paper statement fees hit my account. I believe today was the 4th or 5th time. I have asked more than once for an audit of my accounts to make sure that all of my accounts have the fees being waived. Each time I call in, I am being told that it is something on my end and that they will be willing to waive the fee just one more time. They are constantly asking to remote into my phone to verify that I am not lying when I tell them how my online banking is showing.. However when I ask them what I am doing they can not give me an answer.. Today when I asked what would happen If I got a fee again the employee told me they would have to escalate it to a department higher to figure it out, And/or the fee would not be waived again. I asked if they would just escalate it today so that this is not happened later.. I was constantly put on hold so that the employee could talk to her manager, with whom I have had problems with in the past. The first employee told me she would escalate it but then the XXXX came on the phone And through our conversation she told me She never said she would escalate it and that that first employee was not being truthful, But she can note the account of our conversation. She also told me this would be the last time. They have a fee reimbursed even though they don't know why I'm receiving them.. This is just XXXX of many situations that I am constantly having a problem with.. Last month I had a problem with fraud on the account and I was told to call the XXXX # Because the manager doesn't like when the employees help me out. The XXXX number told me it sounded like a branch issue and I went back-and-forth trying to get help wasting my time. I was also told that I needed a contact XXXX in regards to my dispute even though I am not the one that committed the fraud, they expected XXXX to help me, which of course XXXX declined. A time before this I was shorter {$2000.00} while doing a withdrawal which I understand happens however as the cash was being given back to me, i was Told I need to be more Careful And not just take the cash being handed over the counter because next time I won't get my money back... Even though they were aware I was the customer that they shorted.. Apparently because I was an employee I should know better and the customer service is on a different level. I am stuck with having my checking accounts at US bank because my mortgage is there. However I would like my Home branch to be transferred to a different location, I no longer want to deal with this branch or this manager.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44001
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX I requested for loan modification due to I was laid off XX/XX/XXXX and new job less half income. My account remained current in XXXX I received approval for trial payments. Per the letter step 1 I was to make payment no later than XX/XX/XXXX. I made the payment of XXXX as indicated by the date on letter even though trial was not to start until XXXX. I made 2nd payment XX/XX/XXXX and 3rd payment XX/XX/XXXX. US Bank reported me 30 days late for XXXX payment. If the letter had not indicated to make trial by XXXX I would have made my regular payment as always and trial on XXXX but that is not what the letter stated and US Bank will not correct I believe this is unfair and deceptive as the letter stated step 1 pay by XXXX
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: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: a credit card was fraudulently opened in my name, through the XXXX XXXX XXXX XXXX through US Bank and the financial institution sent me a letter stating it was closed as fraudulent, but yet the account remains open and took me to collections when I have never opened an account, nor have I ever had that financial institution. They never call back when calling and getting voicemail. They say they never receive the police report that I have sent them 3 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: U.S. Bank did not answer any of my Questions or Concerns in reference to Complaint ID XXXX Complaint ID XXXX Response to letter dated XXXX XXXX from U.S. Bank 1 ) U.S. Bank keeps saying I knew about fraud account XXXX since XXXX but did not report a fraud report until XXXX. Can U.S. Bank please provide any evidence that proves I knew about the fraud since XXXX? Response to XXXX ) Once again I did not discover the Fraud until XX/XX/XXXX. My documentation I provided are emails with XXXX XXXX Department asking them to find the full account number ending in XXXX b/c U.S. Bank stated they could not help me or provide me any information unless they had the full account # XXXX. Once XXXX provided the full account # for XXXX in XX/XX/XXXX, I did a little more investigation and then filed a Police Report in XX/XX/XXXX stating I only had 1 checking account with U.S. Bank, which is acct ending in XXXX. NOT XXXX. A statement that U.S. Bank provide to me shows DOA acct XXXX with the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX, this is the same address that was on a statement for CC XXXX judgment. My only U.S. Bank checking account XXXX has my XXXX, IA address on it. U.S. Bank States since I knew the ID Thief, U.S. Bank claims it is not consider ID Theft? I don't understand how that is not ID Theft? I filed a Police report soon after I discovered the Fraud. XXXX ) U.S. Bank states the judgement issued against me was from XXXX XXXX XXXX not U.S. Bank- U.S. Bank was the original creditor of the judgement. Response to XXXX ) I already provided the judgment dismissal that shows U.S. Bank was the original creditor from the judgement. The judgment dismissal is a legal document that clearly shows and states the judgment was dismissed for evidence of fraud and forgery with XXXX XXXX that originated from U.S. Bank. When I was looking into the judgement, I found XXXX acct XXXX also in XX/XX/XXXX. I reported this right away to the XXXX Police Department and it's in my Police Report. How is this not a fraud? XXXX ) U.S. Bank States I did not provide any new documentation -- U.S. Bank stated the judgement was never made by U.S. Bank. Response to XXXX ) I provide the dismissal papers from the judgement showing U.S. Bank was the original creditor. What else does U.S. Bank need? XXXX ) U.S. Bank states my claim that U.S, Bank told me of a personal Loan I took out in XXXX of XXXX does not exist. Response to XXXX ) How can U.S. Bank tell me I took out a personal loan in XXXX XXXX and paid it in full, and tell me they can not release any information to me unless I get a subpoena? U.S. Bank no claims theres no evidence at all to prove this personal loan ever existed or that I paid it. Why would U.S. Bank tell me this? XXXX ) U.S. Bank states there's no documentation for Acct XXXX, XXXX, and the personal loan " I took out in XX/XX/XXXX '' Response to XXXX ) If your not able to prove XXXX account belongs to me, or that I even opened it. then it should be accepted as a fraud claim just like XXXX. XXXX was opened and used at the same U.S. Bank Branch and linked to XXXX. How is this not Fraud? Response to XXXX ) - I understand it's already been dismissed for EVIDENCE OF FRAUD AND FORGERY. I was never reimbursed for my expenses, time, and for the 8 years it was reported on my credit report. I sent demand letters, request for expenses, etc. Response to Loan taken out and paid in full in XXXX XXXX ) Why would U.S. Bank tell me I took this out and now stating it never existed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55318
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a smart checking account with US Bank in XX/XX/2022. I opened the account online using their promo code XXXX. I read all the terms and conditions including the fine print before opening the account. The bank promised that I would be paid a bonus of {$500.00} if i open the account and meet some conditions like setting up a direct deposit and a cumulative deposits of {$5000.00} by 60 days of setting up the direct deposit and that my account should be in good standing. I met all those conditions within the first 45 days of my account opening. I then started to enquire about my account opening bonus by visiting XXXX XXXX in XXXX, calling up US Bank customer care at least 3 times and also had two on-phone appointments with XXXX XXXX XXXXXXXX XXXX XXXX. Every time I call them, they verify my details, validate the promo code and say that I met all the criteria and they are not sure why the bonus amount was not credited. They raise a Research Request with their back office and then say they will get back to me in a week or I would get an email response back from their team. But nothing happened. Its been close to three months my follow ups are going in vain. I am now concerned and my confidence of getting my bonus of {$500.00} is fading. I would request your help in this regard. I am happy to provide more details like checking account number, name etc if you need them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45242
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: USBank sold the credit card we had through them to another bank. Then, they sent a notice that the type of checking account we had with them would start incurring monthly fees because we no longer had a credit card with them. When we called customer service we were told that they were launching a new checking account type that would waive the fees with direct deposit and we were told our account would get changed to the new account type ( " Smartly checking '' ) so no fees would be charged. Today I discover they have been charging a XXXX monthly fee since XXXX of this year, 5 fees, totaling XXXX Customer service partially addressed the problem and refunded the last 3 of those fees but refuse to remedy the other 2 fees ( XXXX XXXX ). Customer service says they can not fix more than 3 months and when asked, they say there is no one at the bank who can authorize more than 3 corrections. net result : USbank has charged us XXXX in inappropriate and unauthorized fees that they refuse to correct under the guise of a customer service policy to not refund fees charged more then 3 months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: To Who it may concern, I am reaching out to try and get my problem resolved properly. My daughter passed away on XX/XX/2023, in a fatal traffic accident. When trying to close her account US Bank refused to do what was obviously right. On XX/XX/2023, I contacted US Bank to report the passing of my daughter and if they can freeze the account. I noticed that my daughter 's account was showing transactions occurring after her passing. I called again to advise of this activity. US Bank did not act to freeze the account. I let them know that it would take at least 4 weeks to get the Death Certificate. Once I received it I presented the certificate to US Bank. I asked them if they could reverse the fraudulent activity to the account and they proceeded to tell me I need Letters of Administration. I would have agreed had it not been for the XXXX Affidavit that I submitted. My daughter 's estate consisted of just her bank account she was only 26 years of age. In a large estate, it is very reasonable to require such documents under the probate code. In my circumstance, this is beyond unethical of a bank like US Bank to deny a beneficiary the ability to file fraud on the account. They state that only the account holder can file the fraud or someone who has Letters of Administration. I advised them that a XXXX small affidavit should be sufficient. The purpose of Letters of Administration is for large estates, not small estates like this case with just a bank account. The account might have had a few XXXX dollars but US bank wants me to file for Letters of Administration that cost {$490.00} to file so they could act on what is right. It is wrong that a large bank will do this and I am sure there is plenty of other individuals they have done this to. This has brought me so much anguish that such a large bank would be so reluctant to do what is right. They refused to freeze the account and this is why I am now dealing with this. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX, and I am writing to formally address an incident that occurred on XX/XX/23 at XXXX at ATM XXXX located in XXXX XXXX, AZ XXXX, within The XXXX XXXX US Bank XXXX. During the aforementioned incident, I deposited five {$100.00} bills into the ATM. However, due to a malfunction, the ATM failed to credit my account and retained my cash. Although a receipt was generated, my account did not reflect the deposit. Upon entering the branch, I regrettably encountered a distinct lack of professionalism and courteousness. The staff treated me as a second-class citizen and directed me to consult with a gentleman banker. Approaching him, I explained the situation and presented the receipt as evidence. To my dismay, the banker rudely dismissed my concerns, stating, " Call the number ; I can't assist you. '' His response lacked any form of empathy or willingness to address the issue of my missing funds. Additionally, it is disheartening to note that the bank 's staff, consisting entirely of white, middle-aged individuals, did not include a single person of color. This lack of diversity further contributed to the overall sense of unwelcomeness that I experienced. Subsequently, I dialed the US Bank number provided on the receipt to lodge a complaint and report the incident. While speaking privately on the phone, I discovered that the branch manager, XXXX, had been eavesdropping on my conversation. Upon hearing my complaints about the bank 's staff, XXXX abruptly interrupted and instructed me to leave the premises. Notably, she addressed me by my first name, implying familiarity despite my complete lack of prior acquaintance with her. I am led to believe that her actions were driven by personal bias and a retaliatory motive stemming from my podcast/video company, XXXX, which occasionally presents controversial opinions. Is it possible that XXXX harbors preconceived animosity towards me due to my appearance or the nature of my work? Given the circumstances, I decided to contact the local authorities and informed them of the situation, as I was left without answers regarding my missing funds and was unjustly denied access to the bank. Furthermore, I reached out to the US Bank main helpline, where a gentleman attempted to mediate between myself and the bank to facilitate the resolution of the issue. Unfortunately, the branch manager adamantly refused to cooperate with any ideas the bank rep had and insisted that I wait for the standard 10-40 day period to receive reimbursement for the missing ATM funds. Regrettably, this incident has had severe financial ramifications for me. The deposit was intended to cover my rent payment, which was due today, as well as a car repair bill. As a result of the missing funds, I have incurred a {$250.00} late fee for the rent and an additional {$150.00} fee from my mechanic for failing to fulfill my payment obligations as agreed. Consequently, the situation has cost me more than the {$500.00} that remains in limbo due to the ATM malfunction as well as if my rent is not paid in the next ten days I face eviction. Adding insult to injury, the branch manager took it upon herself to have the police trespass me, resulting in a one-year ban from the bank 's premises. Furthermore, she proceeded to close my account with out my permission or information, thereby complicating the already delayed process of receiving the missing ATM funds, which will now be issued in the form of a mailed check after the 10-40 day waiting period. I have never encountered such deplorable treatment elsewhere, and it is distressing to witness your employees dismiss customers without any inclination to fulfill their job responsibilities or provide assistance. It is my firm belief that The XXXX XXXX XXXX has a pervasive problem rooted in ignorance and hostility, demonstrated by their profound disregard for customer care and compassion. In light of the aforementioned circumstances, I kindly request a thorough investigation into this matter and prompt resolution of the issues at hand. Specifically, I expect immediate reimbursement of the missing {$500.00}, as well as compensation for the financial losses incurred due to the bank 's negligence and the branch manager 's unwarranted actions. Moreover, I insist upon a formal apology from the bank for the distress, inconvenience, and discrimination I have endured throughout this ordeal. It is crucial that corrective measures be taken to address the lack of diversity within the branch 's staff, ensuring a more inclusive and welcoming environment for all customers. Thank you
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: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A