Date Received: 2023-04-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022 I received an invite to apply for a US Bank Smartly Checking account and earn a {$500.00} bonus by completing the qualified activities consisting of setting up two or more direct deposits in the amount of {$6000.00} over a 60 day period as well as manually entering the specified promo code in the offer. I completed all the qualified activities ( terms and submission in the attachments ) and waited well past the stated/promised bonus date ( 60 days after direct deposit is verified ) but the bonus never posted. I called customer service at XXXXXXXX XXXX on XX/XX/XXXX and spoke to a representative who indicted I had met all the terms in the promotion and would create a ticket for my bonus to be escalated and posted with a call back within 2 business days. I did not receive a call back so I called again on XX/XX/XXXX at XXXX XXXX. Representative informed me that the ticket was never created and bonus could not be awarded. Representative indicated that it appeared that I met the criteria for the bonus but if I wanted to launch an investigation he would need to file an additional ticket that required me to give my full social security number over the phone which I did not feel comfortable doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone used my Social Security number to apply for a mortgage With US Bank Corp. I contacted US Bank Corp. and they stated they are unable to remove the hard inquiry from my credit report. I have disputed the hard inquiry with all of the credit agencies, and they have stated the inquiry will remain on my report for two years. I would like to have this hard inquiry removed, because during my discussion with US Bankcorp, I was informed by them declined, because I have a lock on my credit, and they determined that it was a fraudulent application. This is not my inquiry, and I dont want it affecting my credit rating. Please take the necessary action to have it removed from my report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hereon ; this day of an XX/XX/2023, I had hereon the so stated herein this legal notice as in fact a civil claim ( s ) ; I had received ; two certain phone calls from XXXX ; at XXXX XXXX, and XXXX XXXX ; therefrom ; a debt collector ( s ) ; who is in fact a bank official for a USBank concerning my USBank XXXX Credit Card XXXX ; unreasonably ; the USBank official they had called me pleading a claim ( s ) ; so stating an attempt ; to collect unreasonably ; an outstanding debt for my USBank XXXX Credit Card XXXX ; however the USBank XXXX Credit Card XXXX has hereby been closed ; in accordance to the XXXX credit reporting agency ; therefore I dont owe the bank officials for a USBank XXXX Credit Card XXXX any money for an bank account that has hereby ; been closed officially ; therefrom ; this so stated cause or matter herein this legal notice as in fact a civil litigation process you as an official for a USBank XXXX Credit Card XXXX XXXX must under an Oath, as well as a Testimony of an office of a certain civil jurisdiction, sir-mam you must hereby respond as an answer either ; as an affirmation ; or as in fact ; a denial hereto ; this civil notice as in fact a civil claim ; all within a 72 hrs. time frame after service hereof this civil claim ( s ) ; thereafter a 72 hrs. time frame a failure not to affirm or deny the so stated cause or matter herein this legal notice sir-mam you will hereby considered as being in fact a refusal to hereby respond as in fact an answer hereto this civil claim. Therefrom any and all pleadings as a claim ( s ) will hereby be denied and become unacceptable pleadings ; as in fact a claim ( s ) ; also sir-mam you must service your pleadings hereto myself a XXXX XXXX XXXX XXXX XXXX XXXX ; in addition, sir-mam must also hereby the legal notice respond hereto the XXXX case no. XXXX ; FTC XXXX ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: On or about XX/XX/2023, my XXXX card was charged an 'automated, ' 'atm XXXX XXXX fee, ' after using my XXXX card at merchant to process a payment for goods, in the amount of {$20.00} XXXX This extortionate 'junk fee, ' erroneously charged by the bank, {$10.00} XXXX amounting to a 50 % premium on the goods purchased. This purchase was made on the premises of a merchant business, was not performed at an 'automated teller machine, ' ( ATM ) no pin was entered at any point during this transaction. The bank will describe this fee as 'reasonable ' and customary, but a 50 % fee is just outright 'rent seeking, ' profiteering.This type of unjustifiable fee should be examined by regulators and disallowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023 U.S Bank decided to put a hold on my cc and requested documents to be provided to them for authentication of identification. They asked for copies of social security card, drivers license, last two years of federal tax returns, and two months of statements for personal checking accounts. This information was faxed to U.S Bank on XX/XX/2023. Spoke with them on XX/XX/2023 to verify they recieved the documents and at the at time they stated that yes and after a review of the documents they would be closing the account and it could not be reopened provided no information as to why they decided to close. I proceeded to ask to redeem the rewards from the card that was accumulated over three years. I was informed because the account was closed the rewards could not be redeemed. They gave no notice they were putting a hold on the account or closing the account which prevented me as a consumer the ability to prepare and redeem the rewards ahead of time. The amount of rewards is near XXXX that was earned by me for using the card and paying off the card every month in time. Over three years never missed a payment and never recieved any interest as the statement balance was paid off every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Cardmember Service/Elan Financial Services XXXX XXXX XXXX XXXX, XXXX, ND XXXX XXXX sent me a letter on XX/XX/2023 indicating that they were closing my credit card " in accordance with the terms of the Cardmember Agreement ''. I called several times ( XXXX XXXX XXXX is the number ) during the month of XXXX culminating in a final call with a XXXX named XXXX at her number XXXX XXXX XXXX on XX/XX/2023 who told me the same message that I have been getting all along : the card was cancelled in accordance with the cardmember agreement. NO one has been able to tell me why. I just want a reasonable explanation. I have always paid the card balances over the many many years I have had the card and I use the card almost exclusively for every expense I have. The cancellation will be a huge imposition as it has been entrenched in my financial life for every form of payment and service. I locked my credit a decade ago so applying for another card will be next to impossible. Furthermore, the card provides cash back and i spend in excess of $ XXXX with business travel on this card. I don't understand why it was cancelled and no one at Elan will give me a good reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 497XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On or about XX/XX/XXXX, i opened a Certificate of Deposit online with US Bank at their website. On XX/XX/XXXX, I visited the US Bank Branch at XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX Branch " XXXX '' to deposit {$1000.00} in cash to fund the CD. I was given a receipt and told it would be deposited in a couple of days. As of one week ago, when i contacted US Bank, which in turn pushed the complaint to the branch manager, XXXX XXXX XXXX XXXX, he told me that it would be a couple of days to complete the deposit. Daily I have checked the account ; daily the {$1000.00} has not been deposited into the account. Although he said that the money would be credited as the funded date, there is no evidence of what happened to the {$1000.00}. I contacted US Bank again today with no luck ; i then called the Federal Reserve Bank Consumer division and they forwarded me to the consumerfinance.gov website where i am filing this complaint against US Bank. This is the year XXXX ; i can't have the foggiest idea what would take more than a couple of days to fund this account and bee accountable for the {$1000.00} cash i gave the branch manager on XX/XX/XXXX Is there something i don't know about the registration of a CD that takes more than a couple of days. When i put money into the bank, it is immediate, when i take money out of the bank, it is immediate. Why would it take over ( at this point ) two weeks to show where my money is. Please look into what i would think is a violation of the law. While writing this complaint from work, the copy of the cash receipt is at home. I can forward it when i return home..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: My bank account at US bank never shows my accurate account amount. Number ours employees have informed me that it is an ongoing issue. The previous two weeks leading up to my account being in the negative I had charged from places I did not go charged to my account, then disappear and come back again. It then got to a point that my balance was changing with money showing up XXXX at a time and again disappearing l, every time nothing would show as to why this was happening to my account, meaning towers the end I had no idea why my account was going up and down on the amount of money. Multiple calls to us bank and not one person could tell me why, in fact, they couldnt see anything I was seeing on my end. This is alarming considering everything should be seen by the bank. I was given no explication at all. Then a little less then three weeks ago, I went to enjoy my night off, I go to get money out of my account and the ATM refuses, it states to call the bank, so I end up leaving and calling, where some more unprofessional and ridiculous things happen. A fraud alert was placed on my account, they said it was fixed so I left my home drive back down in attempt to salavage my night out but it doesnt work and does the same thing again. I call back and have to deal with it again, about forty minutes later, I was able to do one transaction to get my money but my account. I then see my email has us bank stating that I called to make sure I could use my card outside of the country. I did not ask that. I find it really funny that my account was so messed up and I got zero actual help but now that they feel I owe them money, which isnt true, I should be about XXXX positive. They decide to call me and act like they know what they are talking about. I have gotten no help, I have spoken to nobody who knew what they were doing, I have been told the system is messed up, ignored when telling telling them they owe me money and more insulting is the fact they are calling me over and over trying to get me to pay a balance I shouldnt have. Ive wasted hours of time trying to get help from them and my hours at work, working 6 to 7 days a week, doesnt allow me to go in and I am not going to miss work and lose more money because this bank has messed up. They need to fix this, figure it out and give me my money back, not me give them money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: US Bank {$400.00} Business Checking Bonus Business : XXXX XXXX Approved XX/XX/2023 - Account ending in XXXX Followed all terms : U.S. Bank is offering a bonus of {$400.00} when you open a new Silver, Gold or Platinum Business Checking account and complete the following requirements : Use XXXX XXXX XXXX Deposit {$3000.00} within 30 days of account opening and maintain that for at least 60 days Complete XXXX qualifying transactions within 60 days of account opening Enroll In the U.S. Bank Mobile App or U.S. Bank Online Banking within 60 days of account opening. US Bank has not contacted me after several attempts to rectify.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my daughters SSI check got deposited into the local branch US bank account and my account was in the process of being closed due to it being a freeze on it because of fraud so no funds can go in and no funds can go out US Bank cashed my daughters check and I have a outstanding balance of {$900.00} that should be all to me but US Bank is actively holding the funds. It has been 30 days now and I have not gotten through to anyone I reached out to social media to take a stand on trying to get my son so that I can pay my rent. Im currently 30 days back now due to not able to get my funds. I have also reached out to the local branch manager, the fraud department, and online banking, I have not gotten through to anyone that could give me any type of financial help. I am now assessing fees in late payments when my rent. I am now 30 days back on my rent and it is a crewing up to now {$1000.00}. My rent is XXXX dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95820
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A