Date Received: 2023-05-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I started the case XXXX. YOUR COMPLAINT I would like to report how US bank is cheating clients. It was advertisement that U.S. Bank will give you up to a {$600.00} cash bonus when you open a U.S. Bank Smartly Checking account, enroll in online banking or the U.S. Bank mobile app, and complete 2 or more direct deposits totaling {$3000.00} or more for the {$200.00} bonus, {$6000.00} or more for the {$400.00} bonus. By the way advertisement is still on the web. I followed the bank link with promised promotion, opened a checking account on XX/XX/2022 and set up a direct deposit for a total like XXXX for the first couple months. Then I figured out that I got no bonus for this. I started to call a bank and customer service representatives that I talked with told me that I am eligible and will get it soon. Last call I talked to XXXX and he spent a lot of time trying to figure out what had happened. I said that I would complain about bank cheating and He escalated this to the next level and said to me that somebody will be in contact soon. A few days later XXXX called me and said that I was supposed to have a special invitation for this bonus. This is a clear way of cheating. I followed the link, opened all required actions and the bank in XXXX said you have no invitation for a getting bonus. What is even more ridiculous is that I called like 3 times and nobody told me that. I consider that I did everything according to the procedure described in the advertisement. The bank cheating practice is not following the link of the opening account with the promotion bonus. I claim that the bonus should be paid as it was promised. The response i got is just confirmation of the scam that bank does. Here is my answer and i am looking the way to escalate the issue : Thank you for your response but you answer confirms that you are cheating clients. How could I possibly know that without an invitation letter the offer would not be valid. Moreover, I called much earlier several times, and nobody told me that. So, I would like to escalate this for the next level. I would like to report to CFPB that the Bank practice is a scam, completely unappropriated and not transparent. I believe that happened to many clients that follow your promise. They make advertisement and do not follow the rule they promise to. This is typical scam, and I will be complaining again. Such practice should be stopped because I see there a lot of advertisement of this type from US bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On the XXXX of XXXX, I deposit a check for {$330.00} into my XXXX XXXX checking account from another institution ( XXXX XXXX ) through the ATM, on the XXXX of XXXX I received the check as a returned item ( the check was returned for NSF ) the same day XXXX XXXX took the funds of {$330.00} from my checking account to cover the returned item deposit. On the XXXX of XXXX XXXX XXXX withdrawal again another {$330.00} from my checking account for the same returned check of the XXXX of XXXX. On the XXXX of XXXX, I contact XXXX XXXX and inform them of both withdrawals and it should have been only one withdrawal. The customer svc rep files a paper credit adjustment and inform me that in two business days, I will see the credit in my account. On the XXXX of XXXX, I contacted XXXX XXXX again questioning why the credit is still not showing they inform me by the end of the business day I would see it in my account. On the XXXX of XXXX, no credit was yet in the account and I contact XXXX XXXX again, they are stating the department that review these transactions had no answers, and they will forward this to the manager dept. They also inform me a manager will contact me as of today XX/XX/XXXX no one has contacted me back and I call again and no answer and no credit on my account. I have been waiting for this money to pay my XXXX rent. Please help me! I m not getting no answers from the bank and no money back. Your help will be appreciate it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/, I received an email from XXXX XXXX of XXXX XXXX XXXX, stating that they would AUTO-renew and charge against my account in the amount of {$260.00}. I had never heard of this company. I called their number to make sure they wouldn't charge me. The person I talked to said that a XXXX XXXX from XXXX XXXX, California was using my ip address to remove funds from my bank account. He asked me to open my account. When I did, he drained my checking and savings account using XXXX, in the amount of {$2600.00}. I immediately called my bank to report this. A fraud claim was filed. I received letters from US Bank Digital Claims Services dated XX/XX/. Without ever contacting me for information on this " investigation '', they " determined the transaction posted as requested ". and was denied. When I took this to a customer representative, XXXX, at US Bank, she connected with XXXX in their fraud department via telephone and they both determined that the initial claim report was not filed properly. They resubmitted it. The letters I then received from US Bank Digital Claims Services on XXXX XXXX XXXX, stated, " we determined this is a duplicate claim. Your claim has been denied. '' I have attempted many times to talk to them on the phone but could never get any information or the opportunity to tell what actually happened and that I did not authorize these transactions. I have reported this theft to the Police Department. They sent an officer to my home to talk to me and file an investigative report. I have asked US Bank Digital Claims Services to send the documents used in their investigation, which is told in their letters I could request, but they never sent them. They said I would need to get a subpoena. ( I didn't understand who was supposed to get the subpoena ). The name on my bank statement of the recipient of the stolen funds is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 511XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Hello, Since my auto lease was offered to me by my local XXXX dealership in XXXX XXXX, Texas on XX/XX/2023, I was told that US Bank passes the new-for-2023 Inflation Reduction Act ( IRA ) {$7500.00} Plug-in Hybrid Electric Vehicle ( PHEV ) tax credit to its leasees by adding the {$7500.00} to the residual value line of the vehicle. After signing the contract just before the dealership closed on a Saturday evening, I forgot to look at the line items of my lease contract, but since the dealership did not give me a copy of the contract, I did not have a chance to double-check it. A few days later, after calling US Bank to check in with them since I had not heard from them, I finally got my hands on my lease contract. I was shocked to NOT see the {$7500.00} in the residual line, which my dealer 's Finance Manager, XXXX, advised me was where the tax credit should be. I immediately called US Bank 's leasing department asking for clarification and of course, proof in writing that the {$7500.00} is indeed within the residual value line. I have been given the run-around by US Bank for three weeks now. I have asked for supervisors and even spoken to the " dealer '' option in their call tree, yet, no one, and I mean no one, has any domain expertise in leasing, which is shockingly frustrating, as one can imagine. How can a leasing department of a publicly traded firm not know almost anything about how their leases work, and when coupled with XXXX expertise in the new IRA tax credits for PHEV vehicles, it makes for many inane conversations with leasing reps at US Banks who know nothing about the {$7500.00} tax credit or where it shows up in the lease contract, if it does ta all. This seems super shady and super frustrating. No one at US Bank cares to call me back to resolve the simple issue of proving that the {$7500.00} tax credit was passed on to me in the lease. Seems very simple, but it has taken me moving heaven and earth to get to this point. In 2023, this is a shockingly negative customer experience for me and the levels of non-informed people in the leasing department at US Bank is really astonishing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76904
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XXXX XXXX and XXXX I was charged high exchange rate fees with no advance warning at the U.S. Bank XXXX branch ATM. In each transaction I requested {$1000.00} and was charged around {$60.00} ( 6 % ). This same ATM used to perform transactions straight in US dollars, while in these last 2 times it chose to do it in the foreign currency behind the international card I was using. It gave no warning what so ever about this choice. The branch advised me to call their 24-hour banking number, but neither of them were willing to help with the ATM issue. However the call center did confirm that it was U.S. Bank that charged me those fees. I'm looking to be reimbursed for these fees for a total amount of {$120.00}. I am not a U.S. Bank customer.
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: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: My car was stolen and is projected to be a total loss. My payoff amount is much less than the current vehicle payout, approximately XXXX us dollars. The bank is keeping all funds over what I owe them. The contract does not stipulate that they keep positive equity. They are denying a payoff request. The bank is profiting from me being victimized through a crime. Absolutely no support was given. I spent 4 hours on the phone being transferred from person to person. In the end, they said it's our car and our money. You were just renting it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was notified that my us bank account of 6 years is being closed with no explanation. I am a single mother that was involved a head on collision. My bank account is literally all I had to provide for also feed my child. I spoke to several bank managers also representatives. I was given a different answer by every staff. I Was hung up on several times by different representatives. I have been diagnosed with XXXX because of this matter. I have several XXXX of dollars they are not releasing to me. Why have they not released my money with no explanation. Are they legally able to hold my balance with no explanation over 90days! As I type this I am receiving past bill notices for my current bills because of this! Please help! I feel robbed by my own bank. How is this possible?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been banking with US Bank for about 10 years. When I transferred my checking account here to XXXX XXXX, I have had several illegal transactions happen. I made cash deposits in early XXXX and the cash was held over the weekend!!! They have been inconsistent with my overdraft protection!!! Just before I closed the account, there are several overdraft charges included in the final checking account statement. Overdraft protection should not be cancelled when a banker feels like it!!!! Very Unhappy with the bank. The branch here in XXXX has been closed!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: U.S. Bank run a {$500.00} welcome bonus for opening new checking account by XXXX XX/XX/XXXX and have qualified direct deposit of {$6000.00} during the first 60 days. Here is the detail of the promotion https : XXXX But after I fulfilled my requirements on direct deposit, I have not seen my bonus to be credited. When I contacted CS through Live agent chat, the XXXX agent refuse to credit my bonus. I was told that even though I met all requirements of apply promo code and direct deposit amount, their system showed that the account was opened on XXXX XX/XX/XXXX. This is not verified as I completed all the step to open my account and received U.S. Bank 's notification email mentioning that the checking account number was ready and deposit transaction was successful all on XXXX XX/XX/XXXX. These emails was attached with this complaint. I was not convinced by what they said, because I got the email from U.S.Bank about successful account opening on XXXX XX/XX/XXXX not on XXXX XX/XX/XXXX. If the code was expired, it should have notified me right on when I applied it. But everything went through as they still it the promo code attaching to my profile currently. The date of XXXX XX/XX/XXXX they are seeing on the system could be the date of first deposit showing up, but it should not be the account opening date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX : Credit Card Dispute {$500.00} limit card XXXX Ref XXXX # XXXX Take it off my all 3 credit reports now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A