Date Received: 2023-05-18
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Please reference case # XXXX. US Bank response to this claim has missed the point. Please note that a CURRENCY EXCHANGE WAS NOT REQUESTED. The request entered into the ATM was for a WITHDRAWAL in XXXX DOLLARS. The ATM has decided on its own to perform a currency exchange without notifying me. These 2 cases were handled differently by the ATM from the many previous withdrawals at the same ATM, where no currency exchange was performed, and which is how other ATMs at other banks in the area are handling this. To summarize : 1. In both dates, ATM performed a currency exchange that was not requested and charged a fee of around {$60.00} for each. 2. ATM did not notify of it's decision. The screens were the same as the usual for a regular withdrawal. Please review and reconsider a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: US Bank negligently did not close a debit card that has fraud charges, charges continued to accumulate and they are now giving me a hard time closing my account after I have been informed that the fraud claims have been closed and credit has been issued for all the transactions that happened due to their negligence. Ive contacted multiple employees, branch, fraud, fraud leasion, executive management, and customer service. I keep getting the run around and this issue has been going on since last year. Im under too much stress, and dealing with and emotional and financial burden due to US BAnks inability to accept negligence! They keep trying to close my CFPB claim with the initial fraud claim but they are again neglecting to review recent claim that I filed this year, for a debit card they did not close last year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
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: on XX/XX/2023 USBank took XXXX dollars out my account due to someone stealing my check we have pressed charges on her we going to court for it > but due to us bank taking it out my XXXX account it shut my account down I lost my account an i have over XXXX XXXX threw up in the air cause u won't give it back the check that ya let her come in there an cash it stats on the back of my payroll check deposit only for chase an ya allowed her to come in there cash it again.my bank has send numerous complaints in a nothing getting done. due to XXXX XXXX XXXX being my employer 's banker, nothing is getting done. i have hired a attorney for this because this isnt my fault an no one wants to give my money back look on the check it says only to chase to be deposited an ya let her cash it again on XXXX XXXX an we deposited on XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on the XX/XX/XXXX since I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. I am tired of being given the run around and just want my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I learned that someone had attempted to apply for credit with Elan Financial on XX/XX/. I called Elan Financial and they told me Fulton Bank has funding through Elan Financial. I spoke to XXXX at Fulton Bank. He stated the fraudster presented what looked like a legitimate drivers license. I, along with my representative from XXXX XXXX XXXX ( XXXX ) called Fulton Bank at XXXX and spoke to XXXX about the inquiry on XX/XX/. They have an investigation about the application that was put in on the 9th and they pulled the credit report again on the 12th to decline it. They flagged the account for fraud. A bank account was opened also that is now closed. The investigator at Elan Financial is XXXX XXXX at number XXXX. I was told XXXX XXXX would contact me. I have never heard from him. Around XX/XX/ I received two alerts from XXXX XXXX XXXX that a new account was showing on my XXXX and XXXX credit reports for Elan Financial. My XXXX rep and I contacted Elan Financial and spoke to XXXX. We found out an another account had been opened with a {$20000.00} credit limit and NOT CREDIT CHECK BEING RUN. THIS IS UNACCEPTABLE!!! I did my due diligence to make sure this account was NOT opened by putting a freeze on my credit through all 3 bureau 's, and yet Elan Financial opened it anyway. CONTACT INFO : Fulton Bank XXXX XXXX ) XXXX Elan Financial ( XXXX XXXX - Fraud Investigator ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07006
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Complaint about the US Bank Security/Identity Verification checking procedures. I live in SC. Someone went into a US Bank in XXXX, IA. This person only had a drivers license ( which was not original ) and the last XXXX digit of my savings account #. They did not have their phone with them or their bank card. So with only a drivers license ( which the license was ran through a scanner at the bank which verified the licensed ) ( which was a fraud license ) the person was able to withdraw over {$31000.00} out of my savings account. Only one form of ID was obtained, ( out of state drivers license ) and only had 4 digit of an account #. The person got {$7400.00} in cash and had the bank do 3 cashier checks with the other XXXX monies and walked out the door.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX Elan Financial Services sent out a letter notifying me of the closure of my account number XXXX issued by Valley Bank, at the time the account had a credit balance of {$2600.00}, in another letter dated XXXX XXXX XXXX the bank states that they have sent the credit balance of to the remitter of the last payment made onthe account, as of today XXXX XXXX XXXX, the owner of the checking account has not received any check nor has been any ACH issued to their account, I made numerous attempts to contact the bank regarding this matter and literally every time I got different information regarding this refund payment, I feel like I've exhausted all my options, so I am sending this complaint so the CFPB can intervene and attempt to retrieve these funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new business checking account with US Bank and was to get a {$500.00} bonus if I deposited {$3000.00} into the account and kept a balance of that amount for at least 60 days. The fine print was the following : New Customers : XXXX code XXXX MUST be used when opening the business checking account. Limit of XXXX business checking bonus per business. A {$100.00} minimum deposit is required to open a U.S. Bank XXXX, Gold, Gold with Interest or Platinum Business Checking account. Earn your {$500.00} business checking bonus by opening a new XXXX Bank XXXX XXXX XXXX, Gold Business Checking, Gold Business Checking with Interest or Platinum Business Checking account between XX/XX/2023 and XX/XX/2023. You must make new money deposit ( XXXX ) of at least {$3000.00} ( Direct, Mobile Check Deposit, XXXX or Wires ) and then maintain a balance of at least {$3000.00} through 60 days after account opening. The new money deposit can not be funds held by U.S. XXXXnk or its affiliates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98802
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account with US Bank. Prior to XX/XX/XXXX. I used promotional Code : XXXX. I had to direct deposit {$6000.00} within 60 days of opening the account. I have yet to receive my {$500.00}. I fulfilled all the requirements on XXXX XXXX, XXXX. I have called multiple times. Claims to the " investigation '' team have been submitted each time. I asked to speak directly to the team and was told " NO one can talk to the team, only request for information forms can be submitted through their backend system. '' So three claims were submitted. XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case number : XXXX XX/XX/XXXX : Case Number : refused to give to me Called again on XX/XX/XXXX. Customer service transferred me to Promotional team, since she said she couldn't help me. Promotional team told me they can't help me and transferred me back to customer service team. I asked to speak to manager. He did not get on the line. Told me they can only open another case and Manager is claiming that he will call me within 2-3 business days. His name is XXXX XXXX would not give me last name ). XXXX call center. told they can't give me a case number but manager would in a few days. I asked again to talk to manager. XXXX got on the phone and claimed the special group contacted me, but they did not. Also claimed that the fine print said that it would take up to 90 days for funds to be deposited after the promotional terms have been met. I challenged his information and told him to look at the fine print. He put me on hold. Looked at the fine print. Came back and told me that it was only 60 days. I told him that it has been more than 60 days and I wanted my money. XXXX then stated the back office will call me in 2-3 days, not him. Different story again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98116
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been contacting US Bank since XXXX XXXX it is now XX/XX/XXXX and I still have not been able to at the least receive a confirmation number that a debit card was ordered. Even though they continue to assure me it will be delivered tomorrow to me from Indiana to North Carolina but there is no tracking number available. Apparently a debit card is the.only way to access my funds because there is no location for a prepaid debit card account ; but no alternative to accessing your money. A debit card they claim to have sent without notice six months ago. I have called and talked to at least XXXX people. Everyone has neglected to offer me a solid solution whatsoever. So another day goes by without me being able to touch my own money and no assistant at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A