Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a USBank personal credit card account which should currently have a XXXX balance, but does not as USBank is claiming that I owe yet another {$100.00} in interest charges in the next 8 days. I have a credit limit of {$14000.00}. According to my XX/XX/XXXX billing statement, I had a balance due of {$10000.00} where a {$350.00} payment credit was made, with alleged interest in the amount of {$220.00}, leaving a billed balance of {$10000.00}. This statement shows an opening date of XX/XX/XXXX and a closing date of XX/XX/XXXX. Unbeknownst to me, and based on the information provided to me through the online account, I submitted a payment of {$10000.00} on XX/XX/XXXX. My understanding was that my account would be a XXXX balance with said payment. However, I logged into my online account on or about XX/XX/XXXX and discovered that my balance was not XXXX, but instead, carried a balance due of {$220.00}. I reached out to customer service through the online site 's secure chat system about this issue and the representative informed me that the balance, which was XXXX 's interest, was valid and needed to be paid in order to bring the balance to zero. While I did not necessarily agree with the charge, I paid that in full. Now today ( XX/XX/XXXX ), I logged into my account yet again because it's normal practice for me to check my credit card online accounts frequently, and I discover yet again that I now have a balance of {$100.00}. I have not made any purchases or charged anything to this card in months. I reached out via telephone to customer service again today, and again, this representative tells me that the {$100.00} is a valid charge. She informed me that the {$100.00} balance was interest charged on the prior {$220.00} interest charge. How is that even possible? How does that make any sense? How could that possibly be legal? The rep stated that I should have paid the {$220.00} interest payment by XX/XX/XXXX - that making said payment on XX/XX/XXXX was the reason why I was charged interest on top of interest. According to the online account, this additional {$100.00} was also applied to my credit card account on XX/XX/XXXX. Not only was I charged interest on interest, but the percentage of interest I was charged was nearly 50 % which is not APR for my account. Additionally, interest is ONLY charged on " purchases '' not on interest. I expressed to the rep today that I disagreed with the charge, but she stood firm on her position that the {$100.00} was a valid charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Subject : Complaint Regarding Failure to Receive Promotional Bonus from U.S. Bank Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank for their failure to provide me with the promised promotional bonus, despite my having met all the specified requirements outlined in their promotional campaign. This issue pertains to a business checking account promotion that promised a significant reward for maintaining a certain deposit over a specified period. To summarize, I received an invitation from U.S. Bank on XX/XX/year>, to open a business checking account with the promise of a {$750.00} bonus for depositing {$15000.00} and maintaining it for over 60 days. I promptly met these requirements, only to be later informed that I supposedly did not fulfill another condition not previously communicated to me. For your convenience, I have included several attachments with this email : At attached documents include my checking account approved proof screenshot and 6 month bank statement of this account. Despite numerous attempts to resolve this issue directly with U.S. Bank, including multiple communications with their customer service department and provision of all requested documentation, my efforts have been fruitless. It has now been several months since I satisfied all promotional criteria, yet the promised bonus remains uncredited. This refusal to honor a clear promotional commitment not only constitutes a breach of agreement but also represents a broader issue of trust and integrity within the banking sector. I am therefore reaching out to the CFPB to seek assistance in resolving this matter, ensuring that U.S. Bank is held accountable for their promotional practices. I believe the CFPB 's commitment to ensuring fair banking practices and protecting consumer rights positions it uniquely to address and rectify this situation. I am hopeful for your support in securing the promotional bonus rightfully owed to me by U.S. Bank. Thank you very much for your attention to this important matter. I am eager for a resolution and remain available should you need any further information or clarification. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95134
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$100.00} VISA gift card from a realtor and have not been able to access the funds loaded on the card. In XXXX XXXX attempts to use the card in retail and on-line purchases were denied. After those attempts I noticed the 3 digit security code ( CV2 ) on the back was missing with a blank field where it should be. I tried resolving my issue on the company website XXXX XXXX but they required the security code to file my complaint. When I called the company toll-free number I was told the card had been flagged for fraud and, to receive a replacement card, I had to fax them photos of the card, front and back of my driver license, and receipt of purchase. Those requirements pose problems as I dont have a fax, the card was a gift, and Im not comfortable sending my license information via fax to an unknown company. On the website XXXX XXXX XXXX many people complained their cards were flagged for fraudulent use, requiring sending personal info to the vendor, and still not getting a usable credit. Please register a complaint with the company for failure to resolve my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84103
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My car was in an accident on XX/XX/2023. The car was totaled. The insurance from State Farm fully paid off the vehicle. The excess of insurance was kept by US Bank loan number XXXX. As US Bank received the full amount due under the lease, the overage should have been refunded. It was not. US Bank claimed the leasing contract provided for it to keep any overage. As the overage was due to my generous insurance policy, the overage should have been refunded to the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: I have a {$10000.00} in a CD at US BANK that rolled over without my taking any action. Because I happened to miss one email, the CD changed from 5 % to the lowest possible rate the bank could give, which is .05 %. If I wishes to change, I have to pay a {$100.00} penalty plus another {$25.00}. This is simply taking advantage of consumers. It may be legal, but losing XXXX of dollars of interest because you missed one email seems simply unethical. I can't believe this is legal, to take advantage of people like this. It is too late for her but is there anything that can be done to protect consumers from being ripped off like this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85747
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was on XXXX got the card started using the card. Next thing you know notice that my money was disappearing I was getting you know never let the the car was letting me know that stuff is going on but I'll call the bank and told them that I wasn't spending any money. At that point I had to freeze my account. Because they wouldn't us XXXX would not then from there they said they can identify me. My phone got stolen so a lot of things happen but now they now the bank has closed my account but now they can identify me I'm asking for help they tell me to call XXXX XXXX won't pick up the phone. I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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: XX/XX/XXXX Received late payment-due notice from Elan Financial Services . I didn't recognize the card number ending in XXXX. Discovered later it was a card issued to me in XXXX from XXXX XXXX XXXX. I never activated the card and cut it up. According to Elan rep, XXXX, he said it looks like a replacement card issued in XX/XX/XXXX. To verify my identity, XXXX sent a text message to the phone # they have on file for the card. I never received the text because the number they have is XXXX ( he wouldn't tell me the whole number ). Area code XXXX is a Florida number. I have lived in XXXX CA my whole life, I only have XXXX area codes on every phone I've had. XXXX said it looks fraudulent and he would send it to the fraud department to investigate. Said I should expect a follow up in the mail. I was never contacted about the fraud investigation- only received more late payment notices. XX/XX/XXXX XXXX open letters/statements from XXXX XXXX XXXX XXXX I discover I started receiving statements for activity on this card in XXXX. I don't open things from XXXX in a timely manner because I don't do any transactions with XXXX except to let XXXX IRAs sit there. I see the card was being used in XXXX from XXXX, XXXX, XXXX. I've never been out of the XXXX, I've never had a passport. XX/XX/XXXX I visit my local XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and talk to XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX. She is very helpful and offers advice including filing a report on XXXX. The next day I send her XXXX, XXXX XXXX, XXXX, an email expressing my appreciation for her help. XX/XX/XXXX I file an Identity Theft report on XXXX. Report # XXXX. XX/XX/XXXX Not hearing anything I called Elan again. I was told that the fraud investigation was closed and it was " not found in my favor. '' I asked why I was never notified and was told that a letter was sent to me. I dispute that claim ; I definitely open anything from Elan as soon as I see it. I was given the name and phone # of the investigator and the case # : XXXX, XXXX, ext. XXXX, case # XXXX. I called and left a voicemail for her to call me back. Never received a call back. XX/XX/XXXX Interesting timing, after I call and ask to speak to the investigator assigned to my case, I receive a Settlement Program Offer of 65 % of the current balance. Balance is {$10000.00} ; settlement is {$6700.00}. These are clearly fraudulent charges. I will not settle for charges I never made. I'd like to know what sort of investigation they did to determine that I'm lying. What investigation took place that shows I went to XXXX and used that credit card? I've never left the country in all my XXXX years of being on earth -- I've never had a passport. How could they do a full investigation without interviewing me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I contacted U.S. Bank on XX/XX/24 at XXXX XXXX regarding my remaining balance of {$1400.00} ( Checking ) and {$5.00} ( Saving ). I provided proof, and the U.S. Bank has dismissed the issue and treated it as a minor issue. U.S. Bank has taken Union Bank and converted customers of Union Bank to U.S. Bank. Union Bank ceases to exist. U.S. Bank is fully aware of the unresolved issue and still has not fixed the problem. I obtained information from my bank account linked to my credit card, XXXX. To my recollection, U.S. Bank stated that my bank account is closed. I have not received any official letter stating that both accounts have been closed. U.S. Bank failed at not only transferring funds from Union Bank to U.S. Bank, but they did not provide proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Multiple fraudulent attempts to impersonate vendors were attempted using US Bank bank accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: My husband passed away on XX/XX/XXXX. He had a first loan and a second loan on the house. The second US Bank, I have been having difficulty with communication. US Bank said they needed {$6400.00} in XXXX to bring it current. I sent US Bank a cashiers check via overnight mail. Weeks went by, and I received nothing by mail. I contacted them, and they said I should receive something in the mail. I wait. In XXXX, I called and inquired again about the {$6400.00} XXXX sent, and they could not talk to me because I was not on the loan. I said well, you took my {$6400.00} to bring the loan current. They said sorry, you are not on the loan, but we can accept the money to bring the loan current. By this time, they stopped sending statements in the mail. In XXXX ( possibly the XXXX ), I came home to a Notice of Sale on my door, set for XX/XX/XXXX. I immediately called them back, and they said yes. I spoke with a gentleman named XXXX. He said that US Bank did not file a paper that stopped the foreclosure when the account was brought current. In the meantime, I had to contact the US Bank attorney to try to get it stopped. I received a letter of rescission on XX/XX/XXXX. At that time, I applied for assistance. The bank responded by mail they are reviewing it and could take up to 30 days. Last week I received a letter saying they have closed the application for assistance due to Successor in interest has not been established. This is so frustrating that they can not just let me know they need documents that I have. They closed the case as of XX/XX/XXXX. I am currently seeking an attorney or other guidance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A