Date Received: 2023-04-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: We opened an escrow account with another company. By direction of the joint owners, two disbursements were made by US Bank. US Bank advised that one of the disbursements were made in error. We advised US Bank that both disbursements were made and error and sought to correct both errors. US Bank only wants us to correct one error. Not correcting both disbursement errors will result in our company being defrauded by the other joint owner of the account. The escrow account administrator has failed to act in an impartial, fair manner to correct both erroneous disbursements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I opened a US Business Bank Checking account with a promo to receive a {$400.00} bonus if the following terms were met : 1- Enroll in online banking, 2 - Make 5 debit card transactions, 3 - Total deposits of {$3000.00} within 30 days of account opening. As you can see in the attached screenshot, I was given confirmation on XX/XX/2023 I was enrolled in the bonus and had already enrolled in online banking. I then made 5 transactions, and deposited {$3000.00} as shown in the screenshots. A couple months later I followed up to ask when I would receive the bonus, since I had met at the terms. They informed me that I was not enrolled in the bonus, as the bonus expired on XX/XX/XXXX, and I signed up XX/XX/XXXX. This was not the case, as I signed up directly online, so if the bonus wasn't applicable, it should not have been showing. Also the agent should have never informed me I was enrolled in the bonus and on my way to meet the requirements. I am seeking payment of the {$400.00} bonus that is owed to me for meeting the terms of this sign up offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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 have tried resolving this for MONTHS and keep ketting the same FALSE response from US Bank. I provided them with everything they requested. According to the terms and conditions on my credit card I am entitled to be protected against fraudulent charges. Below is the details of my issue. They keep responded FALSELY that I didn't return the correct item or I didn't provide them with correct info. They alternate between these 2 FALSE statements. I returned the correct item with the return label that was provided to me by the merchant and I provided proof that they received it. If it were true that I sent the incorrect item where is the tracking showing that they returned that false item to me? THEY NEVER DID because I returned the correct item and an XXXX employee probably stole it!!! XX/XX/XXXX I placed an order with XXXX for a coffee machine. The order was placed under my partners account. The XXXX # XXXX. After spending 3 hours trying to get coffee out of it I couldn't get it to work so I requested to return it. XXXX provided me with a return label with tracking number XXXX. They received the return on XX/XX/XXXX XX/XX/XXXX I received an email from XXXX saying that they received the wrong item and they " disposed of it '' I knew I returned the correct item because I handed it to the ups driver myself. I got nowhere with XXXX customer service so I called US Bank to dispute the charge on my credit card. I received a provisional credit that US Bank reversed on XXXX XXXX. I contacted US Bank again at that time and they said they would reopen the dispute. I contacted them again this morning to see the status and was told that they never reopened it and basically they're doing nothing for me. I can't understand what I could have done differently. I purchased a defective coffee machine. Return it with the label THEY provided me and I have to pay for the defective coffee machine? Please help. Below are the tracking details of the return Tracking details XX/XX/XXXX XXXX picked up the return from my home XX/XX/XXXX XXXX XXXX.Delivered XXXX, KY, XXXX Attachments Image XXXX at XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX ( XXXX KB ) XXXX XXXX XXXX XXXX ( XXXX KB ) Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Attachments may take a few minutes to be available. Please see attached response. Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Feedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS The response was completely false. XXXX did not state in their response that I returned the incorrect item and I did send in all of the p
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX Bank issued mortgage including establishing an escrow account to pay California property taxes -In California, the first year of property tax has a a primary tax bill at a lower rate, stemming from the previous valuation of the property, which is typically substantially below market value. There is then a supplemental bill issued in the same year that covers the taxes due on the difference between the the previous assessment and the new assessment ( sale price ). For homes like ours, where a sale has not occurred in a long time, this supplemental bill is the bulk of the tax owed, and financial institutions are prepared for it. -US Bank correctly calculated the expected tax bill for the sale price, which covers the supplemental bill for the difference -US bank issued an initial Escrow account disclosure statement, showing the dates the payments would be made and the estimated amounts - these estimated amounts included the full tax due ( the initial tax payment and the supplemental payment ) -We funded and paid into the escrow account and kept it at the correct balance, which was set by US bank to be sufficient to cover the primary and supplemental tax owed. -When the payments were due to the county for property tax, US bank did not pay the full amount, only the small initial amount ( not the supplemental amount ). This amounts to a payment of {$1700.00}, instead of the {$7100.00} the bank stated it would pay in the disclosure statement. The bank also did not inform us that it underpaid. This resulted in an overdue balance of {$5500.00}, for which a delinquent bill was issued with a {$510.00} late fee. -The bank was informed by us of this error. They acknowledged the discrepancy and promptly paid the county the delinquent amount owed. -The loan agent asked for the bank {$510.00} to be reimbursed to us, and stated she felt that was fair, but the bank ultimately decided not to. Instead, they cited a letter sent to us in the past indicating that they could not pay the bill unless we took certain steps. We had not received this letter at any point. -My opinion is that the bank committed to paying the bill from our escrow, stated they would do so in the disclosure, and then failed to do so, leaving us with a penalty. The fact that they sent one letter in the mail, which we did not receive, is insufficient to overturn the original indication they gave. It is fairly common for mail to not get delivered. There was no other follow-up with us. -We seek that the bank reimburse the {$510.00} fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a US Bank checking account in a branch using an offer code that I found on US Bank 's website available to the general public. The offer was for a {$500.00} bonus after meeting direct deposit requirements which I satisfied. I found out much later that the offer code had not been applied even though it was definitely added at the time of application. I was told by a branch employee long after applying that the offer code was " targeted '' which was definitely not one of the stipulations listed online where I found the offer code nor was there any mention of this when I applied so the bank employees themselves were unaware of this being a " targeted '' offer when I applied in person. The branch manager has tried to get the code added retroactively but I am not optimistic as it should post no later than XX/XX/25 so I am filing this complaint now in the hopes that will actually happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: US. Bank is one of the owners of XXXX XXXX XXXX, a consumer reporting agency is reporting an account that was included in a bankruptcy I file more than 10 years ago. This account should not even reported to XXXX XXXX XXXX because it was part of the bankruptcy. Since they are the owner of such service they feel they can do. what ever they want. US Bank at the time I opened the account was an issuer of secured credit cards. In order to get the credit card I had to deposit {$300.00} into a savings account at the bank. After a few years I had to file bankruptcy on the amount that was used on the credit card. At the time US Bank would not simply take the security I put up the cure the debt. Also they would not return the {$300.00} after the bankruptcy was discharged. Now dating back from XX/XX/2022 they have the account listed as Saving Closed-Purged. By the definition they have listed on XXXX XXXX XXXX a company that the bank partially owns it says I mishandled the bank account. Filing bankruptcy something I had legal right to do should not translate to me or anyone else mishandling an account. This entry they have listed on XXXX XXXX XXXX a company owed by US Bank is causing me to not be eligible to open an account at other banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased XXXX dollars us bank gift card on XX/XX/. When I tried to use the card, it was not working. I called the phone # on the back of the card, and the agent told me the card was disabled because someone was trying to use the card several months before I purchased the card. The agent advised me to use their website to submit purchase proof and IDs for replacement. I did what as instructed and weeks later, I called them again ; they told me they could not view the files I submitted due to an incorrect file type, and they could only take PDFs. I asked the agent how can the website designed to receive the file with the incorrect type in the first place!!! She told me to resubmit the document in PDF, but their website is no longer working. Once some documents were submitted for a card, you can not resubmit any other information. It is a terrible design indeed! The agent again advised me to mail the documents to them using the US MAIL. I again did what as instructed, and weeks later, I called the phone again to check the status. The agent told me he does not see any updates yet. I need to call back after 2-3 business days. I think this is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27617
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is XXXX XXXX on XXXX XXXX I noticed on my credit report some inquiries that I did not authorized the first one I see is XXXX XXXX on XX/XX/XXXX. The second one is Elan financial on XX/XX/XXXX and XX/XX/XXXX. The third one is XXXX XXXX XXXX XXXX on XX/XX/XXXX. The third one is XXXX on XX/XX/XXXX. the fourth inquiry was XXXX XXXX on XXXX on XX/XX/XXXX, XX/XX/XXXX. I would just like for the inquiries to be removed thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On or about XX/XX/XXXX I finalized the purchase of a vehicle I as leasing from US Bank. My account was in good standing and always paid on time. XX/XX/XXXX : Received a collection letter from US Bank demanding {$960.00} and make payment no later than XX/XX/XXXX. XX/XX/XXXX : Received a collection call from US Bank {$960.00} but they couldn't tell me what the amount due was fro since the vehicle was paid in full back in XXXX of XXXX. XX/XX/XXXX : Received another collection call from US Bank demanding {$960.00}, customer service rep still could not tell me what the {$960.00} was in regards to. Again according to the collection letter dated XX/XX/XXXX the payment wasn't due until XX/XX/XXXX, but they keep calling demanding payment ... .thats not even due according to their own paperwork. XX/XX/XXXX : I wrote to US Bank disputing the {$960.00} ( Certified mail return receipt : XXXX ) demanding an explanation of the alleged charges and detailed accounting for a vehicle that was paid and titled to me months prior. XX/XX/XXXX : Received copy of an invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The invoice total was {$940.00} ( not {$960.00} US Bank was demanding ). XX/XX/XXXX : I called and spoke to XXXX asking if payment on the account in question had been paid or still open and pending because US Bank was demanding I pay them back for making payment for the XXXX toll violations. XXXX confirmed NO PAYMENT had been made and the invoice totals of {$940.00} were still due. I spoke to Supervisor XXXX in the XXXX XXXX office. XX/XX/XXXX : I received a response to my dispute letter dated XX/XX/XXXX from XXXX XXXX Customer Advocacy of US Bank and a copy of the XXXX invoice as of XX/XX/XXXX in the amount of {$940.00}. US Bank was demanding payment and in her letter to me stated that US Bank had paid the toll citations on my behalf because as of XX/XX/XXXX US Bank was still the owner of the vehicle. This is wrong as I paid off the vehicle in full and was the sole owner of the vehicle on the date she cited in her letter of XX/XX/XXXX. XX/XX/XXXX : I sent a dispute letter to XXXX XXXX ( Certified Mail Return Receipt XXXX ) demanding copies of payment to XXXX from US Bank on my behalf as of or prior to the XX/XX/XXXX date she said the invoices were paid and asking why US Bank was acting as a third party collection agency for a vehicle they do not own and any discrepancies are between myself the vehicle owner and any third party, in this case the XXXX. I also informed XXXX XXXX, that no payment has been made to XXXX and that simply calling the number and invoice number would get you the same non-paid results I got. XX/XX/XXXX : I recieved another collection letter from US Bank which I have written a dispute response to but have not mailed until I get a tracking number to attach. In my letter to XXXX XXXX, I informed her that I have a toll transponder issued by the XXXX XXXX XXXX ( XXXX ). XXXX and the XXXX have reciprocal agreements between the governing agencies that will collect tolls for each other. The XXXX transponder is tided to my vehicle license plate. I have proof I had a valid account with the XXXX for the vehicle in question, so there would be no fines or penalties owed to XXXX. US Bank is trying to defraud me by demanding I make payments for fines/penalties I do not owe, and that they say they have already paid for which is 100 % a lie, and I have been assured by the XXXX that XXXX of XX/XX/XXXX no payment has been received ( well after the letters demanding I pay them back ). I have not received any proof that US Bank has made the {$940.00} they say they paid to XXXX ( because they haven't ), and I still am continuing to receive collection letters along with threats to damage my credit report if not paid in full at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A