Date Received: 2023-04-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/XXXX, I notice my card wasn't working when trying to make a transaction. I called customer service and found out my credit card account was under review and needed to be transfer to another department for customer authentication, after being verified I was told that my account was closed down because it appeared that I was using the credit card for business which is 100 % NOT true at all. The card has always been used for personal use and I have supporting documents that supports what I am stating. I received a Text to my working number on XX/XX/XXXX about a {$620.00} at XXXX that was charged. I replied that it was Valid and made a call to verify that it was me. I don't understand why my account was closed down. I've been a valued customer of your bank for many years and make All my payments on time. I also have Business line of credit, Equipment loans and checking accounts with US Bank. I am willing to work with US Bank to find a solution and get my account reinstated. I have also removed my Authorized Users that were family members if that was the problem and risk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78155
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/23 I applied for a credit card with US bank. I have not received the card as of today XX/XX/23. However, the credit card is already activated as I can see on my online banking. I called the credit customer service, explained situation and asked them to close my credit card. After speaking with 3 different representatives with 3 different phone calls, my account is sill not closed even if they told me they were closing it every single time. I called 4th time and this time they kept transferring my call from one person to another and the credit card is sill not closed. US bank has major security issues with horrible customer support. I will close all my accounts with US bank in person and never use their service again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was selling a bag through my XXXX account when an interested individual contacted me named as XXXX XXXX. We agreed for a certain price and said that the payment will be through XXXX. I said okay and the next day I sent the bag thru XXXX and waited for the payment. As time goes by, XXXX emailed me that they can't sent the money because of XXXX. Dear : XXXX We apologise for the late response as we were upgrading our server which has now been sorted out. We have successfully verified and confirmed that you have refunded the buyer and the funds have been approved to be credited into your account immediately. But on the verge of crediting the total pending payment of {$3500.00} USD as we notified you earlier which was paid by the buyer XXXX XXXX. We looked through our Data-Base and found a total pending payment of {$3500.00} USD. There has been another new payment of {$1000.00} USD from the same buyer XXXX XXXX making a double payment from the same buyer. We are unable to separate the payments as they have been added to our database and all the funds are pending in your account, as such, we can't proceed to credit your account with your initial pending payment of {$2500.00} USD. We are aware of the fact that the new payment of {$1000.00} USD was a mistake on the part of the buyer 's Accountant as he over credited your account. We have then looked into ways of resolving the issue so we can then credit your account with the payment. But as it is now, it has already been recorded in our Data-base and there is no way we can separate these funds. Funds are not returnable to the buyer. In this case, you own the total money. We have also tabled the transaction before the Board Of Directors and they have advised that the payment ( s ) still remain " ON-HOLD/Pending here while you make the refund of the new payment of {$100.00} USD through XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Gift card options after which we shall then credit your account with total payments of {$3500.00} USD Note the buyer 's account has now been suspended. So you are allowed to send the refund through the XXXX, XXXX, XXXX pay or Gift card option so that we can credit your account with the total pending of {$3500.00} USD. NOTE : Funds deducted from the buyer 's account is not returnable to the buyer 's account. So you are in total control of the funds once we credit it. We await your swift response which should include the details of the refund. Thanks for choosing XXXX and we are looking forward to serve all our valuable customers better. Thank you for using XXXX! The XXXX Team This emailed really shocked me and sent them {$2000.00} through XXXX and the phone number is XXXX in the name XXXX. I tried contacting them after I realized that I was scammed but I never got my money back. I reported it to my bank ( USBANK ) but they said that it was my fault on my part. In short, I never got my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Thank you for your service at the CFPB. It has been brought to my attention that my consumer rights and protections are being violated and trespassed upon by US BANK. US BANK has seized my credit report by reporting information on my property without a court order or my written consent and is authorizing XXXX to not remove my personal addresses because US BANK is reporting to XXXX where I live at. I was told by an agent at XXXX that I could not remove my personal information ( addresses ) because US BANK is reporting where I live. Im pretty sure that is identity theft at Most and at minimum a violation of the F.D.C.P.A ( Fair Debt Collection Practices Act ). US BANK is committing identity theft against my Estate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX {$2500.00} Fraud Account does not belong to me Elan Financial service {$4400.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$21000.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : 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: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023, I started a balance transfer with US Bank credit card. I was transferring from XXXX credit card to US Bank. The check from US Bank was sent to XXXX XXXX XXXX XXXX PA XXXX in the amount of {$1900.00}, check number XXXX. Apparently XXXX 's ( old address XXXX XXXX XXXX XXXX PA, now XXXX ) no longer represents XXXX. The check has my name and account number on it that was sent to XXXX. Now that address belongs to XXXX, instead of aeeing XXXX XXXX, does not have an account with then, also seeing there is an account number and name on the check, they decided to cash the check frim US Bank meant for a balance transfer I have called several times with no real answers other than pointing fingers. The {$1900.00} is still showing on my XXXX card but is also showing on my US Bank card. I need the money back from XXXX in the amount of {$1900.00} or sent to US.Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently pulled my XXXX, XXXX and XXXX credit files to be startled. I came across this company that views my credit file twice on the same day. I never authorized them to look at it once, especially twice. Im guessing XX/XX/XXXX is their lucky day or decided to try it for a second time. I never gave them permission to look at my personal file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was very disappointed how US bank handled the situation I had problems with US bank a long time ago and they are just arent a good bank to bank with charge a ton of fees so I had issues closing my account so I had my father who is no longer with me close my account and went to a different bank they just werent very helpful the people at us bank werent very nice just wanted to let you know how we were treated I wish us bank could have handled things better hope this wont happen again and it wont because we wont be doing business with us bank at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: At the end of my lease with US Bank, I went through the process of paying it off. I called to get the final payoff amount, which was {$25000.00}. The day I called and got the balance ( XX/XX/XXXX ), I went to my bank and withdrew the amount of {$25000.00} in a cashier 's check and overnighted the check to the address that was given to me. Within a few days the {$0.00} balance was reflected on my account and we were just waiting for the title to arrive. Then, on XX/XX/XXXX, US Bank withdrew the auto debit payment of {$340.00} after the vehicle had been paid off. I called multiple times to have this corrected and each time I was told there wasn't anything they could do. Finally, I filed a complaint with my personal bank, XXXX, and they said they would take care of it. We received a reimbursement for the {$340.00} on XX/XX/XXXX. Then we noticed on XX/XX/XXXX that the claim was reversed and we were charged yet again for the {$340.00}. I called US Bank again on XX/XX/XXXX to try to resolve this. They asked me to verify my address, which I did and they told me that was incorrect and that they could not help me unless I could physically go to a US bank. I attempted to explain to them that I changed my address with them on XX/XX/XXXX to the address I gave them. I tried to give a previous address but they said they could not accept it. I let them know that when I changed my address on XX/XX/XXXX with US Bank that I received a confirmation letter. I told them I could provide evidence of the address change and again I was met with, " I'm sorry, there is nothing we can do ''. I told them that I am currently living abroad and that going to a US Bank was not possible. I gave them our US mailing address but they still refused to refund the amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A