Date Received: 2023-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive had a U.S. bank account for less than a month and it has been the most inconvenient experience Ive ever had. I havent been able to use my card for large transactions, and merchants have blocked me from using their services online due to the restrictions and flags placed by US bank. When adding my card to XXXX XXXX, I had to call in and wait on hold to complete the process. Not even 24 hours after having my card attached to XXXX XXXX, I had to remove it and have been unable to add it back. After almost an hour on the phone with 4 different departments and a manager, theyre telling me there is a block on my card and a specialist will reach out to me in 24-48 hours to unblock my card. Manager XXXX I just spoke to also informed me I may not be able to withdraw my funds from this account in person. This makes absolutely no sense that US bank is holding my funds from me with no resolution from customer service. Need this rectified asap as I need to use my card and have access to my money.
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: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
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: Please help me secure from US Bank ( USB ) {$210.00} owed to me by them for over 5 months plus {$20.00} for loss of use of those funds. On XXXX the XXXX XXXX XXXX reversed ( in full ) a XXXX charge to my USB credit card for {$220.00}. A dispute form was received by them onXXXX : USB Case ID XXXX. Despite repeated phone calls to USB ( XXXX, XXXX, XXXX ), they have refused to credit my account for the full amount despite my having paid the full amount on time. Details are in the attached PDF.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XX/XX/XXXX 36-month lease obtained with US Bank , Purchase price of {$56000.00}. Put down {$15000.00}. XX/XX/XXXX Vehicle totaled in accident that was not my fault. XX/XX/XXXX Called to obtain payoff amount to use in negations with insurance company for settlement purposes. XX/XX/XXXX Received letter ( confirming phone conversation on XX/XX/XXXX ) that my payoff was {$45000.00} ( reasonably believed based on my down payment ) XXXX - Accepted settlement with The XXXX, they requested payoff directly to issue check. XX/XX/XXXX - The XXXX received a fax stating payoff was {$53000.00}. XX/XX/XXXX - I'm still waiting on an answer after multiple attempts at contacting for an explanation. I have called multiple times and their " Loss Department '' and they refuse to speak to consumers. They will only speak to Insurance Companies. I can get no explanations on how they can possibly determine that {$53000.00} is what I still owe. I have put multiple negative reviews on XXXX and that got riled enough to send a " response '' letter but that still did not address the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46514
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account Elan Financial Service shows in collection, charged off bad debt. I do not have or never had an account with them. They have negatively reported on my credit report recently after a request to remove false information. It has caused me stress. I asked for original physical verification from them. They have never sent me original signatures information requested. This appears to be a stall tactic which has hurt my ability to obtain credit. Also they have purposely listed account is over the limit in retaliation of my request. They are purposely hurting my credit with false information about being over the credit limit. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified account be removed. Section 611 ( 5 ) ( A ) of FCRA - you are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at by mail at po box XXXX XXXX XXXX CA XXXX or XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I applied at US BANK for a business credit card on Monday XX/XX/XXXX and received an email on Weds XX/XX/XXXX that I was approved for a credit limit of {$3000.00}. When you apply you can not request how much of a credit line you need. It's a random number that's given to you by the bank. I called to get a credit line increase today, XX/XX/XXXX, and I was told by the Analysts Dept. at US Bank that in order for them to process the request to try to increase my credit limit they will need to pull my credit, again, after not even 5 days have past. And they can not move forward with the request unless they pull credit, again. I don't see how is this ok, since that already have my credit report from when it was pulled on XX/XX/XXXX. I blindly apply for a random number they give you and then they have to pull credit, again, a 2nd time just for them to try to increase it. If I knew they will have to re pull credit for a credit line increase after I had just applied, not even a week passed, I would have never done so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Rewards program gift cards were sent by XXXX but not delivered due to damaged package. Contacted the company noting the information provided by XXXX but was denied because the gift cards had been used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Was usbank personal checking and credit card customer since XXXX Opened business checking account with usbank XX/XX/XXXX Deposited a check XX/XX/XXXX then found out XX/XX/XXXX account got closed Called mobile department then transfered to business department then asked to come branch then asked me to call fruad department then asked me to come branch Branch manager confirmed my business account got closed by fruad department said would received a call from fruad department and rereinstate my account csince my check got no problem at all Received account clousure letter and never received a call from fruad department since that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account with US Bank has been set to close since the XXXX of XXXX which is exactly a month ago. Since then I have received no correspondence to this affair and my funds are being held for reasons unknown as the closure process has yet to be initiated and all " fraudulent activity '' on my account and on my funds were authorized by myself as well as confirmed with staff to be done on my own accord. After receiving an exceptionally corporate and unperson-able response to my last complaint, I would like to point out you have committed fraud yourself by lying about a piece of correspondence which you claim was sent and responded to XX/XX/XXXX when I have only just received it in the mail yesterday as of XX/XX/XXXX. Spoiler alert, mail within the united states takes a maximum of three business days to reach your recipient. Stop the XXXX, give me my remaining funds and you can stop wasting my time. What an unprofessional financial institution, stop with the corporate XXXX and give me my remaining funds before you face a legal battle that will cost you more than the funds that remain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45701
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Reference Case # XXXX We were never aware of alleged {$500.00} promotion bonus when we opened the account in XXXX of 2022. The only promotion we had was waiver of monthly account fees due to the large amount of business we gave US Bank. I do see the adjusted interest in the statement. Which is bazaar. Why not name things the way they are : Promotion bonus, for example. But that's not the issue here. THE ISSUE IS SOMETHING THAT COULD BE EXPLAINED AFTER I FILE A COMPLAINT, WHY CAN'T THAT SAME THING BE EXPLAINED ON THE PHONE? WHY ISN'T THIS INFORMATION EASILY AVAILABLE FOR BANKERS ASSISTING CUSTOMERS ON THE PHONE? WHY WOULD THEY PUT ME ON HOLD FOR OURS, THEN DROP THE CALL, THEN TELL ME HOW BAZAAR THIS IS BECAUSE THEY CAN NOT FIGURE OUT WHERE IS ALLEGED INTEREST CAME FROM. WHY? WHY NOT NAMED THINGS THE WAY THEY ARE, SUCH AS A " BONUS FOR OPENING ACCOUNT '' and confuse both customer service reps and consumers??? US BANK is spiring out of control, it's the worst bank in the whole nation, their system is set up to cover up illegal practices, as if they are hiding something from their own representatives. You have to waste time to file a complaint every time there is an issue because US Bank representatives are clueless, because their system is intentionally blocking them from seeing the facts in order to help consumers. This is an illegal practice, at best. Maybe, if they named things the way they are, we wouldn't have issues, or simply state the facts in their internal system for represntatives to see and assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In the month of XX/XX/2023 we made an appointment to meet with a bank specialist to assist with the errors made on the accounts with the atm cards that were sent were to wrong card numbers and they did not coincide with the mobile app for US bank another attempt was also unsuccessful to correct these issues and it has been overlooked for too long.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A