Date Received: 2023-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX, I opened a business checking account with US Bank in response to a promotion that it was running : open an account, deposit {$3000.00} into it within 30 days, maintain the balance for 60 days, make 5 transactions, and receive a {$400.00} bonus within 45 days of meeting the requirements. I met the requirements on XX/XX/XXXX, so I should have received my bonus payment no later thanXX/XX/XXXX I still hadn't received the money on XX/XX/, so I called the bank, and the rep that I spoke to confirmed that I qualified for the bonus but didn't tell me when I would receive the money or make any apologies for not paying me the {$400.00}. For a bank that claims to be " ethical, '' I find it interesting that it avoids paying bonuses on promotional offers that it runs. There is no doubt that if I hadn't called the bank, I never would have received a XXXX, and I still have no idea when I'll receive my {$400.00}. US Bank is still running the promotion, but the bonus has been bumped up from {$400.00} to {$500.00}, and there's no longer a transaction requirement. My account number is XXXX XXXX XXXX. My account balance still has never been less than {$3000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Their has been virtual cards that I dont have and like u.s.bank accounts that I never even opened need help with like my credit report being pulled up threw other agencies I never did and home mortgage opening under my name and wen I try to get my IRS tax I can not dew to these things I'm having so many issues please help thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93212
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
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 sent two notices to US Bank dispute department on XX/XX/2023 saying : Attn : Dispute department US Bank I have not seen on my US BANK XXXX credit card account the credit for {$100.00} proof enclosed on You just went ahead after faxing this proof before to charge me for this amount. I am filing a complaint with the federal government against your bank for denying my legal credit and other forms of complaints. They keep ignoring my refund sent to them by XXXX for an item I never received. The bank keeps ignoring me! I want my money due me. XXXX XXXX # XXXX. I hope you do more than just file the complaint in your database making your federal division totally worthless to all concerned, and letting banks rip customers off?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a credit card from XXXX I never applied for. I shredded it. Today I recieved the credit card statement with XXXX balance but a XXXX credit limit. It is a XXXX. XXXX. I NEVER applied for this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55122
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX, I called US Bank about overdraft charges being made to my US Bank checking account ending in XXXX. US Bank removed those charges. While I was speaking to the US Bank Customer representative, I remember telling her that I was sick and tired of having to call each month about this matter and that if it didn't stop I was going to close my checking account. I then terminated the conversation. I ended this conversation not knowing that my US Bank checking account ending in XXXX was closed. When I logged back into my US Bank account, my checking account no longer appeared on my dashboard. This is a free senior account that I can not replace. After seeing that my US Bank checking account had been closed, I called US Bank to find out what happened. The US Bank representative whom I spoke with tried to help me reopen the account. After a few minutes of trying to reopen the account, the US Bank representative said that her " manager '' would not reopen the account. It was not my intent to close my US Bank checking account because it is a free senior account that I have used for many years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX shows no mortgage on my credit report? Do I have a mortgage? If I pay US Bank mortgage payments, I will get no credit for my payments because it's not on any of my of my credit reports. How fair is that?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Why does US Bank not respond to my requests for a mortgage modification? From the year XXXX to the year XXXX, I have been asking for a mortgage modification ( please see attached proof ). Direct your Attorney, XXXX XXXX XXXX, to cancel the sale he has scheduled for XXXX XXXX XXXX US Bank needs to directly with me ( they never have ). Stop running Attorneys who run to the State Court to overpower me by giving them a false impression that I am in default on a mortgage loan. How is that possible when there is not one on my credit reports? US Bank has never met with me face to face as required by HUD prior foreclosure action. US Bank has done nothing to help me stay in my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: on XX/XX/2023 someone hacked my computer and XXXX, them self $ XXXX dollars and $ XXXX .I have contacted my bank and XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Every time I try to make a purchase with the card it declines and says that the bank issuer refused the payment and it says there is an error. It keeps saying to update the payment method. It says an unknown error has occurred
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2023 a third party deposited a check in the amount of {$14000.00} into my US Bank checking account. He was told by his bank that there would be a 10 day hold on his check. He felt bad that I would have to wait XXXX for the funds to be good so he stopped payment on his check and immediately sent the funds thru XXXX into my account. I then tried to withdraw funds from my account and I was told my account was frozen. At that point my checking account balance was {$15000.00}. They said my account was being investigated. For what I do not know. They did not tell me. I personally did nothing wrong and the bank was not out any money. I called the fraud department several times and they said the only person to give me an update was the branch manager at my bank. The branch manager says she can not give me an update and for me to call the fraud department. I've been getting the run around for three months now. I do not know why my account is even being investigated and I do not know why does it takes that long to get my funds. I am very frustrated at this point. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91362
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A