Date Received: 2024-02-01
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XX/XX/XXXX, US Bank denied my business a line of credit, business credit card increase, and equipment loan. I called my local branch to see why I was denied. I spoke with XXXX XXXX, multiple times. She brought XXXX in on the conversation. I had a meeting with XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX. She ran my credit on XX/XX/XXXX ( second time ). XXXX said the underwriter declined my request due to bankruptcy in XXXX. This is the second time, within XXXX months, I have been declined credit from US Bank. XX/XX/XXXX, I was denied a personal credit card. I came into the branch asking why because I know my score and credit history. The bank representative stated my score was above XXXX and my history was good and didn't understand why I was denied. She spoke with underwriters, and a few days later, I was approved for a personal credit card. Somehow, US Bank sent a Cash Flow Manager email with {$12000.00} XXXX Loan in my previous business name. I never applied for a XXXX Loan in XXXX. I spoke with US BANK XXXX Customer Service they said they could not see what happened and that I would need to go into the branch. I called again. I spoke with XXXX. I was on the phone with XXXX for XXXX minutes. XXXX also said he looked at my business account and did not understand why I was denied. I left my information and time for his manager to call me back, but he never called me. I spoke with XXXX. XXXX said US Bank has reported " Paid as agreed, '' not " Poor credit performance with U.S. Bank '' US Bank approved me for a Business Credit a couple of years ago, so how could a bankruptcy from XXXX hurt me?
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: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX I opened a XXXX XXXX with a US Bank agent. I open this account for a {$500.00} bonus incentive. When I went to fund the account via XXXX it was rejected. I called US Bank only to learn that they closed the account ( I received a check book for this account ) without my knowledge nor consent. They then reopened the account again without my knowledge. I had to send in the signature card as there is no branch in NY. Then I funded the account with over {$7500.00} & did a direct deposit which was a requirement for the bonus. I fulfilled all the necessary actions for the bonus. I have called numerous times to inquire when I would be receiving the {$500.00} bonus, I was informed that I am not getting the bonus as this new account was opened in XXXX & the bonus was only in XXXX & XXXX. I was scammed as the original account was opened in XXXX & a US Bank agent added a new code ( XXXX ) to my account to insure that I got the bonus. I am a victim of fraud, & US Bank CEO ( XXXX XXXX ) ignored my emails. I would like you to investigate this issue as I am entitled to the {$500.00} bonus ( which is the only reason I opened this XXXX XXXX account. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for US Banks secured credit card which I understand requires a credit inquiry. I applied on XX/XX/2024. Application went into review and the next business day ( XX/XX/2024 ) US Bank ran another credit inquiry resulting in XXXX credit pulls for one application. Both inquiries were only processed on my XXXX credit file. This 2nd inquiry should be removed as I only have authorization once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After entering the wrong password, my online account was locked out. I was told they would not do anything for 48 hours. This is unacceptable and punishes the customer. Especially when you are trying to move your bills from one bank to another.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72301
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Us bank I opened an account with. Closed it after taking my initial XXXX XXXX deposit a week later and said it bounced after I had XXXX dollars weekly deposit payroll. It had taken over XXXX days and had not received my debit card so I used XXXX to transfer funds into the account to pay bills too many times in a week after calling about the debit card. They said closing the account and speak to a branch manager. They held XXXX XXXX in funds and a XXXX deposit and XXXX paycheck when they told me nothing could go in or out. Now my bills will be returned I will be charged : XXXX lady was kind with me and told me the truth - XXXX XXXX XXXX Nc branch manager, I spoke with and he told me to XXXX off he didnt understand the XXXX transfers and called me a XXXX XXXX XXXX words I wont say and I am not of either respected or any denomination of such for lack of better word. My funds are frozen and bills late and I have a XXXX veteran husband whom may lose heat or a vehicle payment missed because us bank lied and froze my money. Dont bother with them. No answers for XXXX days, XXXX almost frozen and I was harassed and without money with no answers as a working XXXX plus hour a week human being who cant pay bills now because I used XXXX and us bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX, As this is the only way I can contact you ( you have no email, phone, or other contact listed ), I must wonder why you avoid answering my question and keep referring to my account not showing a stop payment request on our part. Obviously it is impossible to request a stop payment on our part if the fraud is only spotted AFTER the check has been debited from our account. If I used the words " stop payment '' incorrectly I apologise, but obviously I was referring to the approximately 4 month period from when US Bank froze the forgers account, to when I had the debited amounts credited back to my account. If the CFPB won't deal with this absurd time period, I'll find another regulatory agency that will!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92835
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I complained to you with complaint XXXX, and the bank responded with old bills on the account I closed. The sen t me the same bills. They did ot respond to you or me on why after closing the account paying some money, and receiving some money back, and they cut up my bank card, my account was closed.Later they said the Cash Advance wasn't closed... it was part of my account... bank SCAM. A few months after closing he account I got a bill for {$26.00} for the fee on the Cash Advance the a few months later a bill for {$56.00} for the same thing, then again a bill for {$76.00} for the same thing... .SCAM
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I listed my truck for sale and a gentleman in Kentucky answered my ad and said he would like to purchase my truck he said he was going to send me a certified cashier 's check which he did and the amount of XXXX XXXXXXXX I deposited that check into my bank and the teller told me it usually takes two business days to clear so it should be posted to your account by Tuesday I deposit it on Thursday evening. This morning Wednesday XX/XX/XXXX I get a notification that my bank is overdrawn by XXXX because yesterday Tuesday I saw it had cleared and I paid a couple of bills off When I contacted the buyer they sent me this check he stopped responding to me and said I was a liar I contacted the company on the check they said I was the third or fourth person that had contacted them and they advised me that these are fraudulent checks and they refused to pay them now I'm going to be liable for over XXXX} negative on my checking account I'm just a single lady I can't do this I don't know what else to do I've never been scammed like this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97305
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem with customer service
Subissue:
Consumer Complaint: My name is XXXX XXXX, ive XXXX a XXXX XXXX XXXX customer since XXXX. I went to US bank ( check was drawn from US BANK ) in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) from XXXX XXXX XXXX XXXX and It was required to be verified before cashing. So since the check had usbank on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check beforeverification ( FIRST MISTAKE ) which kicked the check out as fraud. She then called to get the verification code ( SECOND MISTAKE ) which they provided her with which allowed the bank ( usbank ) to be paid. She then attempted to cashed the check a second time ( THIRD MISTAKE, IM OUT! ) which came back as fraud again. There was nothing she could do therefore I left usbank ( without my {$4300.00} ) and with check in hand, called my issuing bank XXXX XXXX XXXX XXXX XXXX to void the check. Long story short the check couldn't be voided due to usbank was provided the authorization code which entitled them to the funds. Well ( usbank ) did receive the funds on the XXXX of XXXX and told me they returned it on the XXXX, since I was not their customer. Well as of today, XX/XX/XXXX, my issuing bank XXXX XXXX XXXX XXXX says nothing was returned to them. l 've been to usbank several times since the XXXX, I even went to a different US bank branch thinking that the original location was trying to cover their mistakes. I also called XXXX several times and i also have a recordingof the supervisor stating " US BANK have the funds, and this was on the XXXX of XXXX. I've done nothing wrong. Im a working single mother of XXXX children. Those funds were a loan from my XXXX tax refund and my family are in dire need. We are facing a Eviction at the end of XXXX due to this mishap. Please look into this matter as to I don't know what to do or where to turn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Elan Financial Services reported that I missed 1 payment on my account. But I remember paying them so I asked for written proof and it wasn't given so i'm disputing this missed payment and need it removed immediately from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A