Date Received: 2023-04-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: See CFPB Complaint # XXXX which CFPB closed upon SUPPOSEDLY receiving a response from U.S.Bank. CFPB informed me that U.S.Bank responded on XX/XX/2023. XXXX is XX/XX/XXXX, and I have yet to receive a response, either written or by phone. Having not received the response by XX/XX/XXXX, I phoned the U.S.Bank phone number ( XXXX ) which CFPB provided. Having to leave a voicemail for a return call, I learned that the phone number belongs to U.S.Bank employee XXXX XXXX. She did NOT call back so I called again a few days later, and I still did not receive a call back. Apparently both XXXX and CFPB have been ignored. The problem which initiated the complaint has yet to be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 379XX
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: Opened a new US Bank Payment Solutions account and failed to receive {$600.00} bonus Approved XX/XX/2023 - Merchant ID ( MID ) : XXXX - XXXX Successfully completing the following terms : U.S. Bank is offering a {$600.00} bonus when you open a new U.S. Bank Payment Solutions Merchant Account by XX/XX/2023 and accept and settle a payment transaction within 60 days. First, complete an application for a U.S. Bank Payment Solutions account. Then, accept and settle a payment transaction into your qualified U.S. Bank business checking account within 60 days of the opening date of your payment solutions account. The new U.S. Bank Business Checking account must be open and have a positive balance for the Payment Solutions bonus to be deposited into the account ( within 45 days of settlement verification ). Settled in account ending in XXXX : XX/XX/2023 US Bank Business Center will not respond to emails or phone calls.
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a US bank, business and personal checking accounts. After several issues with the local branch I was working through, I had three credit applications submitted without my knowledge. That coupled with other issues, I closed, my personal account. Without owing any fees or balances. Soon there after, I needed to send a time sensitive business wire. I was told the only way new funds would be availed if it were cash. So I went to another one my banks, who didnt allow international wires with the account type I had with them, and carried the funds to the US bank branch in question. Upon attempting to deposit the funds, they told me the wire wouldnt be able to sent until the next day potentially longer. Completely different then what was told to me on the phone. This branch was a 2 hour drive from where I lived at the time. Due to this I requested immediate closer of my account. Today I attempted to open an account with US Bank for one of my different businesses. It was declined for : In reviewing your application, we noticed inconsistencies in the information provided. Although we tried to verify the information, an account can not be opened for you at this time. There were no inconsistencies. I called the number given via their email. After being transferred twice and being on the call for an hour, the representative simply stated I breached terms of service, and would not be able to open another account with US Bank moving forward. When I inquired what I had done to breach, no reason was given, simply they could provide a copy of terms of service. I read a copy of the terms of service, to which I could not find any reasons as to why I would not be allowed. I closed it in good standing, without owing any balances. I fill this decline is discriminating against me, and my previous account was inaccurately notated due to the complaint I filed about the issues with that branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35124
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: Closing on a mortgage
Subissue:
Consumer Complaint: I had an existing HELOC from US Bank which I wanted to close by refinancing from another bank. I requested for a payoff statement from US Bank which they provided with amount due based on a date an a per diem. I submitted the payoff statement to XXXX XXXX and they sent a check on XX/XX/2023. XXXX XXXX sent extra money to cover any delay in processing, postal delay etc. US bank returned this Check back to customer ( Myself ) stating they they can accept the payoff if the amount is in excess of XXXX from payoff statement and it took few weeks for XXXX to cancel the old check and process a new payments. Due to this delay I ended up paying ~4 weeks of interest to US bank and when I talked to a customer agent and escalated this, I was told an investigation will be done and possibly apply the new payment back dated ( Date when the original check was received ) but US bank refused to refund me for the interest for this additional 4 weeks. I asked several time to US bank 1. When I received a Payoff statement, there was no mentioned that US bank will refused the payment if payment is XXXX excess from payoff due. 2. After several requests, US bank is not able to provide any rules or terms which shows this policy. 3. My new bank XXXX was not aware of this policy from US bank, they told me any excess payment made by them is generally refunded to customer with in few weeks. 4. I have called several time to US bank and ask them to provide some written documentation of where is this XXXX policy rules and provide me some written documentation of why my the requested was denied, I have waited for a long time and there is no response from them. 5. I talked to some supervisor as well but US bank is not resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I attempted to purchase an item and there was 2 attempts to pay for this item. I was advised that 1 transaction did not go through because it was over my daily limit. so the whole purchase was cancelled and the 2 charges should have been returned to me. Only 1 transaction was reversed and disputed by the bank. Then the bank advised me that the dispute was done incorrectly and they would resubmit for the 2nd charge. I just received a denial for the previous complaint and I demand that a US bank representative call me from the office of the executives ASAP and credit the account for what they say i owe or am negative on. They did not properly handle my dispute and have incorrectly serviced my account. XXXX. There are federal rules and laws that protect me as a bank consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
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: 2023-04-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : ELAN FINANCI - XX/XX/2022 XXXX - XX/XX/2022 US BANK - XX/XX/2022 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 XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95132
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: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Received visa gift card XX/XX/2022. Card website : XXXX Should have {$100.00} balance Tried to use card in store- was rejected Tried numerous times to register card online, always received message to call number on back of card. Called number on back of card : 1st time was told to try different browsers, clear cache, etc - all to no avail 2nd time no answer, unable to reach live person or voicemail 3rd time was told call being transferred to someone who could help - call went to no one and was cut off 4th time no answer, no voicemail 5th time was told the same as 1st call 6th time was told a ticket was put in to fix the problem and wait five days and try again to register card online. Continued to get message there is a problem with your card despite numerous attempts to register online using different computers, browsers, clearing cache, using or not using VPN, etc 7th time told to try different browsers, etc. I explained everything that has happened so far with no resolution, agent then hung up 8th time told I could report that card is not working using link at bottom of website Tried multiple times over 2 months to report card not working using the link, using different browsers, different computers, etc, and always get message there is a problem with your card. Contact customer service. Calls to customer service again, get variations on the above
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97211
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: 2023-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
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: What Happened and What We Have Done : On XXXX XXXX, 2023 my husband received an email from XXXX confirming a reservation ( booking number XXXX ) at XXXX XXXX XXXX for XX/XX/XXXX and XXXX, 2023. We saw the email on XX/XX/XXXX. We did not make this reservation so notified XXXX of the fraudulent {$410.00} charge on XX/XX/XXXX. XXXX issued a provisional credit of {$410.00}, closed the account, and issued a new credit card. We are in possession of our credit cards but the reservation was made using our credit card number. The street address and postal code were NOT provided to XXXX at the time of the reservation. I keep all paper and digital receipts and reconcile them to our credit card statement. When reconciling I became aware of a XXXX credit on XX/XX/XXXX in the amount of {$200.00} thus I expected XXXX to be refunded for the {$200.00}. In XXXX I called XXXX XXXX and was told that the reservation was a no show thus explaining the {$200.00} credit. In late XXXX, I received a letter from XXXX XXXX dated XXXX23 stating that the XXXX transaction was authorized and you received benefit from the transaction, thus the {$410.00} was added back to our account and the case was closed. I was extremely upset by this incorrect decision and have now been charged {$200.00} for a reservation which we did not make. In early XXXX, I was able to talk with XXXX XXXX, XXXX XXXX case officer ( XXXX ). She said that she was responsible for making the decision that this was a valid transaction. She said she would talk with her supervisor and promised to call me back. I called two more times, left a message requesting a call back. To date I have not heard from her. I then called XXXX XXXX XXXX at XXXX and worked with XXXX XXXX ( XXXX ). XXXX was very helpful. She requested I fax a copy of the XXXX receipt which I did. I asked her to send me the XXXX XXXX XXXX information in my file which she mailed to me. I then called XXXX to try to get this corrected and was told that the booking confirmation number on my receipt was not in their records. I was also told that I could not make a reservation thru XXXX without providing my postal code. I last spoke with XXXX XXXX On XX/XX/XXXX. She was sending my information to XXXX XXXX and requested I receive a call back. No call back has been received to date. Under XXXX XXXX XXXX in the XXXX Documentation it is noted that the billing address and postal code were not provided by whomever made the reservation. The billing address/ postal code is part of the proof of who you are and the validity of ownership of the card. The absence of this information should have been a red flag that the reservation was not made by us. The disputed amount should have been {$200.00} and should have been refunded to the merchant. Had XXXX charged our account {$200.00} then the case would have been correctly closed. Instead she charged our account the full {$410.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX ) XX/XX/XXXX I purchased a XXXX XXXX XXXX seller assigned its interest in the contract to XXXX XXXX XXXX in the loan amount of {$91000.00}. XXXX ) XX/XX/XXXX, The vehicle had Sudden acceleration when stopped, the vehicle smashed iron security gate, crashed through the reinforced concrete wall. XXXX ) XX/XX/XXXX, designation of attorney to XXXX office of XXXX XXXX at XXXX XXXX, CA filed lawsuit against XXXX XXXX. XXXX ) XX/XX/XXXX XXXX XXXX referred an auto repair shop, the vehicle towed to XXXX XXXX XXXX XXXX XXXX.The lawyers office has advised the body shop in numerous times that the XXXX car is in litigation and should be preserved as it and is component parts are material evidence with the claims in this case. XXXX ) I keep paying the monthly mortgage payment {$1600.00} to US bank since XX/XX/XXXX though the vehicle is not operable, waited for trial of litigation. XXXX ) Suddenly, A letter mailed to me from US bank dated XX/XX/XXXX notified that the bank to sell the vehicle at private sale after XX/XX/XXXX. US banks agent, auto secure recovery repossessed the vehicle from XXXX XXXX XXXX XXXX XXXX, the bodyshop had received payment of {$20000.00} in cash on XX/XX/XXXX for parking fees. Neither Myself nor my insurance company, My lawyer had received notice from the bank before they authorized the payment and had lien against my account. My attorney office and me had contacted with US bank to find out who had authorized to pay the {$20000.00} in cash without verified or notified to me as the holder and owner. I was told that XXXXXXXX XXXX XXXX XXXX misrepresentation that the vehicle owner abandoned subject vehicle, they intentionally failure to disclose the fact of pending litigation with XXXX XXXX. There are missing parts and body shop spoliation of evidence with the claims in this case. several tows by the body shop to auto secure recovery and retrieved, they damage the evidences, the parts lost. The delay of the trial and inspection of XXXX XXXX caused the body shop to defraud me of {$20000.00} for parking fees. XXXX ) Twenty three months after the accident, the defendants technicians finally came to my place to inspect the vehicle. XXXX ) Theres no estimate or any contract with XXXX XXXX XXXX.the body shop did not repair the vehicle. I'm the customer who paid auto mortgage as scheduled every month and did not break the contract. Why US bank pay {$20000.00} parking fees to the body shop so easily without notify or consulting with their customer? After that, My lawyer and me requested explanations from US Bank. Whats department and who authorized the {$20000.00} in cash payment to the body shop, but the bank dragged and ignored to respond. Now XXXX 's is unwilling to bear the losses caused by their delay in inspected the incident XXXX vehicle. US bank need to explain and remove the lien against me. Please investigate all parties of US bank, XXXX XXXX XXXX XXXX XXXX related to this frauds. Who actually received /shared the {$20000.00} parking fees?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A