Date Received: 2023-03-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My previous CFPB and XXXX complaints about my card being blocked from Apple Pay were responded to by US Bank with a phone number for XXXX XXXX XXXX XXXX. I called the number to finally get my card added and was told my entire account is under review and it had nothing to do with the XXXX XXXX situation. When the representative couldnt provide any more details about what this means, I was transferred to manager XXXX ( XXXX ID # XXXX ) who was immediately combative on the phone, overtalking me and not attempting to assist at all. Right after I got off the phone with XXXX, my debit card was suspended and removed from my US Bank app completely. Im continuously dealing with issues when attempting to do normal, simple things like using my US Bank debit card or adding it to XXXX XXXX. When I call customer service to get it resolved, the representatives never know whats going on and I always get to a very rude supervisor who attempts to argue with me and proceeds to suspend my debit card. This is the second time this exact situation is happening - supervisor XXXX suspended my debit card the same way as reported in my previous complaint when I couldnt use my debit card. After hours more of phone calls and waiting on hold to get to different departments, Im still being told that a specialist needs to call me directly with absolutely no additional details provided. I have no idea when this block was placed or why, how long it will take for a specialist to contact me ( Ive never had a request like this actually fulfilled by US bank ), and what wouldve happened if I put money in my account or attempted to use it for something important. Dealing with this bank has been a headache from the start, I can barely make a transaction and Im constantly on the phone trying to resolve problems I wouldnt have at a more established bank. Overall a joke of an experience with very very low-grade supervisors answering customer calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotion in the mail to spend a certain amount and receive an extra {$20.00} statement. The promotional credit was due and has not been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2023 I opened a new business checking account online and funded it with {$200.00} via credit credit card and {$3000.00} via ACH transfer. The {$200.00} deposit never showed up, so after about a week or so, I called in. They said they didn't have any record of that deposit. I decided to go into the XXXX, CA branch and spoke to the branch manager. He said he couldn't see it on his end either and to contact my credit card company. I contacted my credit card issuer ( XXXX XXXX ) and they said everything looks find on their end. The {$200.00} had been charged to my credit card already. At this point, I reversed the charge since I didn't want to be out {$200.00}. A week after this, the {$200.00} deposit showed up in my account, so I canceled the charge reversal. Awhile later, US Bank debits {$200.00} from my account and freezes it. I call in again, and they said they thought it was fraud so froze and are going to close my account. I did want the account still at this point, so I go into the XXXX, CA branch again and speak to the manager. He makes some calls, and the end result is that there was nothing that could be done. The account was slated for closure. Fine. Fast forward to over 30 days later, they are still holding my funds. There's over $ XXXX still in the account and I can not withdraw or transfer out. This is unacceptable. I feel like my account is permanently in limbo with no resolution. I just want my funds back at this point and am disappointed in how this is being handled. I felt like I had no other choice but to file a CFPB complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: US BANK applied a wrong check from XXXX XXXX XXXX that they claimed our vehicle was a total loss and send us a check that included our overpayment. We had XXXX XXXX at that time. The overpayment was for XX/XX/XXXX, of {$310.00}. US Bank found the mistake and found out that the check from XXXX XXXX XXXX had been applied to the wrong vehicle. But now they have not send us our overpayment. We have been communicating since XX/XX/XXXX and they keep saying we will receive it XXXX business day but nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I saw a promotion that if I open a U.S. Bank new checking account and complete two or more direct deposits within 60 days of opening your account that total : {$3000.00} to {$5900.00} I will get rewarded as {$300.00}. The promotional Code is XXXX. I made more than total amount of {$3000.00} and two or more direct deposit soon after I receive my bank information te deposit, they don't give the money. I've already contacted them about this issue but they just told me to wait for the investigation result ( they said it'll be taking a 7 business days ), but they didn't answer me back after that. One again I contacted them and they asked me to wait another 3days, they didn't answer me back either. So I've come up with to report this issue to CFPB. please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a call saying that my USBank account has been compromised and asking if I had authorized XXXX payment of {$3500.00} to a person in XXXX Florida to which I responded no. The person on the phone then had me access XXXX via my US Bank app. He then had me create a contact with my name and phone number and said that they would be a third-party coming in which is helping to transfer the money back to my self. As soon as I hit send the money was gone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I recently paid a XXXX dollars credit card debt by way of Fasfa Student loans and was unsure how the process was going.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: I have a positive balance on my credit card # XXXX. In the middle of XXXX I have called the company to have it refunded in the form of the check however when I called back on XX/XX/23 to inquire why the check has not been received I was informed that the check was never issued and the {$1000.00} positive balance is still there. When I requested to speak with the supervisor I got an employee named XXXX who informed me that " I am sorry that I feel the bank didn't fulfill its responsibility toward me as their customer. '' Since the issue is not my feelings but a complete breach of contract on behalf of the bank that refuses to refund my own money which belongs to me I requested to speak to a supervisor with a position of authority to address the issue. I was informed that " nobody is available '' and someone will call me at the later time. Well, nobody did. Here is the issue : beyond just a complete arrogance and lack of responsibility to provide any kind of customer service, the US Bank employees use talking points without understanding what they actually mean that wind up offending customers. They also provide a service in bad faith as they have no authority to address issues with the US bank holding my money against my will and instruction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive been a depositor with US bank for over 10 years. I moved to XXXX, Wyoming over 2 years ago. On XX/XX/XXXX XXXXXXXX XXXX XXXX issued me some blank checks to use for a balance transfer at XXXX percent interest for 10 months. I deposited one of those checks in the amount of {$10000.00} into my US Bank checking account to pay down 2 large interest bearing credit cards. After the check had cleared and the 2 payments cleared, US Bank decided to reverse the XXXXXXXX XXXX and reverse the 2 payments to my 2 credit card companies and close my account for Suspicious Activity. They also kept my last auto deposit from my employer dated XX/XX/2023 and caused me considerable hardship. They finally issued me a check on XX/XX/XXXX. I had to borrow money to pay my mortgage on time and to make a car payment on time. I have 3 auto deposits going into my US Bank checking account each month, 2 from my employer and 1 from Social Security. My checking transactions are pretty much the same each month, no unusual activity. Using bill pay I pay my mortgage, utilities, car payment and credit card debts. The only difference this month was the {$10000.00} deposit from a reputable financial institution. The treachery of this act has caused me to reconsider leaving my money in any bank. Now I keep all my money safe at home. Recalling how the prime minister in XXXX had frozen the assets of the truck drivers who protested the unlawful vaccine mandate, I thought at the time that this could happen here in America too. But I didnt think it could happen to me. And since it happened to me, then it could happen to anyone. It is a sad day in America when a bank can commit such an egregious act against a law abiding citizen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 824XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Anything that is showing up on my 3 bureau credit reporting company and any other data reporting company that take our info. I'm a person that has never had credit cause always denied and I always wonder why ... After 3 months of figuring out how credit company 's work and data company work and XXXX and XXXX and XXXX them sites work... I found out why I could never get credit and always had to operated using cash .... I've never had a car finance or a house because credit stayed messed up .... But how can my credit be messed up if I haven't ever had credit to mess up, I kept asking myself that question .... And end up coming across 9 merchants that has been fraudulent accessing history without my authorization .... Have tried disputing them thru XXXX but not getting help .... I just want my life that's been stolen for years now back and any funds taking from any trust to be recouped back and resourced back to the to rightful control in party in matter .... Companys like XXXX I see why they trying to steal people info .... The news show them being bankrupt so now they try to hold others innocent ones down by messing up there name .... And I'm tired of wasting my life fixing somein I didn't have any place in doing .... I been a victim I this since birth when us state representatives change my birth certificate 18 days after born without authorization from the owner or his parents .... I have all my proof as well the same proof that bout to be submitted to OIG and supreme Court and secret services to present ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39209
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A