Date Received: 2023-04-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I wrote and mailed check # XXXX to XXXX XXXX Treasury for {$7300.00} as payment of the 2nd half real estate tax. I balance my checking account weekly via XXXX and I balance it with the Bank statement monthly. My bank statement does not have digital images of checks, just the date, amount and check number. Everything balanced but on or about XX/XX/XXXX we received notice of our new real estate tax bill along with notice that our previous 2nd half payment was past due, along with a substantial overdue financial penalty. I immediately went online to US Bank, where I was able to access a copy of check # XXXX, which had been changed to an unknown party but left the dollar amount unchanged. I immediately notified the US Bank fraud office and followed their directions to document everything and appeal for reimbursement for the fraudulent check. I provided a copy of my check stub, which showed how check # XXXX was originally written ( the amount was identical to the first half check written XX/XX/XXXX. ) On XX/XX/XXXX I received notice that US Bank had denied reimbursement because I had not notified them within 30 days after the relevant bank statement. Obviously, I had no reasonable way to know of the fraud until I received the overdue notice from XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: ALL OPEN CLAIM HAVE BEEN CLOSED PER MY REQUEST AND THE FUND IS SUPPOSE TO BE REVERSED SO YALL CAN GET YALL LIL MONEY 15 BUSINESS DAYS WILL BE UP ON THE XXXX OF XXXX THERE ARE NO MORE PENDING TRANSACTIONS OR OPEN CLAIMS SO THERES NO REASON TO STIL LHOLD MY FUNDS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: U.S. Bank vastly over reported the amount of interest income I received for the XXXX tax year to the IRS and has failed to correct the issue despite repeated my repeated attempts to come to a resolution. On or around XX/XX/XXXX, I contacted U.S. Bank to notify them of the issue and was told an investigation into the situation would be completed and I would be informed of the outcome of the investigation via letter. Rather than investigating, U.S. Bank simply sent me a duplicate copy of the XXXX I had originally received. On XX/XX/XXXX, I called U.S. Bank to follow-up on the issue and spoke with an employee named XXXX at XXXX PM XXXX who told me he was submitted a " CC request form '' and that someone would follow-up with me via phone within 48 hours. No one followed-up with me as promised. It is not XX/XX/XXXX and the deadline for filing taxes is rapidly approaching, and U.S. Bank has been totally unhelpful in correcting the mistake they made on my XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: U.S. Bank Advertised to offer {$500.00} cash bonus for opening a new checking account on their website ( www.usbank.com ). I opened a new checking account through their website on XX/XX/XXXX. I printed the screenshot which showing their requirements and cash offer details while I was doing my checking account application online. I met all the requirements and I was eligible for {$500.00} cash bonus on XX/XX/XXXX. On their advisement, they said that they would deposit the cash bonus into the consumers checking account within 60 days. 90 days passed, I still didnt receive my {$500.00} cash bonus. I contacted their customer service center several times. At XXXX AM XXXX XXXX on XX/XX/XXXX, the customer service representative called me ( phone number : XXXX ( XXXX ) XXXX ) and told me that they did not want to give me the {$500.00} cash bonus because I didnt have a credit card or other accounts in their bank. I told the customer service representative that they did not have this kind of requirement on their check offer advertisement. The customer service representative just terminated the phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi im writing regarding some fraudulent account on my credit report.I tried to fix it with credit bureaus and creditors no luck credit reporting agencies come back after investigation as the " information is accurate and verified '' i sent an FTC report those accounts does not belong to me i did not give any authorization to anyone to use my personal information to apply for goods and services som personal information is also wrong.I will attach FTC report .FTC report number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Thanks to Covid I had reduced income due to being a XXXX XXXX. US Bank was more than willing to be helpful during that process and granted me a forbearance on the loan. XXXX of 2022 I was ready to resume paying on the loan and they did a loan modification and lowered my payment to {$790.00} ( I'm not sure of the exact change ) and I made my first installment payment on time. Then I go to make my next payment and it's rejected. I called after I had received new modification applications confused as to why I was receiving them and was told not to send them again, that everything was fine. But when I go to make the payment over the phone I was told that an underwriter decided a signature was illegible and that my modification application was denied, even after I had already made the first payment. Then I had to go through applying all over again. This time they made my payment {$400.00} higher than what it originally was. My paychecks are only XXXX at best. That new payment option is more than an entire paycheck. NOT AFFORDABLE. Now I'm currently dealing with a wage garnishment, also due to COVID, and I've told US BANK this and they chose to ignore it. I'm a single mother, desperately trying to save my home and US Bank keeps offering me only options of {$1100.00} or higher in the repayment offer and expect the first payment before I even get paid again, then another payment 2 weeks later. I can't afford that. I tried asking for another forbearance and reverting back to the last approved payment amount of XXXX they won't approve that either. I've asked to speak to someone about this and I keep getting told no. So now I'm escalating my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. ELAN FIN SVCSXXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX See an error? Find out how to dispute a hard inquiry Institution Information ELAN FIN SVCSXXXX XXXXXXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Approximately 4 to 5 years ago my wife and I set up a banking account with US Bank located in XXXX Colorado. We initially deposited nearly {$5000.00} ( XXXX XXXX dollars ) and were issued a pre-paid Visa card for the amount - mentioned. I had also arranged for my direct deposit through Social Security Administration to be deposited to this account. The bank cards we received ate US Bank Conveinent Cash. After a few years my wife and I divorced. She said she would take care of this particular bank account but apparently she failed to do so. I am inquiring about this account because according to what my ex-wife said that there was still a balance in the account of approximately {$3000.00} dollars- which is still unclaimed - though it was my direct deposits from Social Security Administration which accumulated during a lengthy hospitalization of mine. My ex-wife along with myself visited one of the branch locations of US Bank in downtown XXXX but they were extremely incooperative in ovtaing the information if we still had an unclaimed balance. We both called numerous US Bank locations and were given a runaround by US Bank employees. I still have my US Bank card since our divorce a couple years ago. I am requesting assistance from Help With My Bank.Giov to determine if I still have an unclaimed balance in this account since US Bank has been extremely uncooperative in this matter. Also, the location of the bank where we first opened the account was located at the corner of XXXX XXXX and XXXX XXXX. This US Bank location has long since closed and the building was demolished. However, I am still entitled to claim any monies still with US Bank. *** Images of US Bank Card -Attached The account information from the bank card received upon opening of this account is as follows ; US BANK Conveinent Cash Card XXXX Valid Thru XX/XX/19 XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Complaint was filed previously due to fraud transactions on account. US Bank approved partial and denied partial and they are claiming I did transactions after I have informed them I was under medical treatments, XXXX, and I having fraudulent alerts on my credit reports. After I informed them of this they didnt due their due diligence to close the debit card. Continued transactions occurred and now they arent accepting accountability on their end and have placed a hold on my account and are stating they will be closing it. I have bad health and this is causing me a financial burden, credit reporting, and emotional distress. Release my money, credit me back for the fraud, and do not close account. I dont need a XXXX debit card, I just need my account open due to XXXX payment that will process. I am ready to go to XXXX XXXX! I feel like Im getting harassed and discriminated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I took a deposit totaling {$2400.00} to US Bank. The teller incorrectly entered this deposit as {$3400.00}. My bank account was credited an extra {$1000.00} when it should not have been. Someone who wrote me a check has their bank account overdrawn because US Bank withdrew an extra {$1000.00} from their account. US Bank was notified by me of this error on XX/XX/XXXX ( the following day ). XXXX promised it would be corrected " as soon as they figured out how to fix it. '' Three business days later, nothing had changed. On XX/XX/XXXX, I spoke with XXXX at US Bank. He promised that it would be corrected by XX/XX/XXXX. It is now XX/XX/XXXX and it still has not been corrected. It is over a week that US Bank withdrew an extra {$1000.00} from someone's account illegally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A