Date Received: 2023-03-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding : US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN. To whom it may concern, Issue : I am writing for assistance with a matter that occurred at a US Bank ATM XXXX in XXXX, TN. On XX/XX/XXXX, I visited the ATM as I normally frequent this bank in order to make withdrawals from a none US Bank account. I was making a withdrawal from my XXXX XXXX XXXX account. Ive never had issues with withdrawing until this day. I attempted to withdraw {$100.00} ; however, the machine only dispersed {$60.00}. I frantically wondered what had happened to the remaining {$40.00}. I pulled a head to relieve myself from my vehicle thinking maybe the remaining funds had failed to the ground but that wasnt the case. So I returned to the ATM as obviously the remaining funds had gotten stuck somehow. So I attempted a second withdrawal of {$20.00} thinking perhaps this will disperse the remaining {$40.00} ( if it was possibly stuck ) in addition to the {$20.00} I requested. Well only the {$20.00} was dispersed and not the {$40.00}. So I quickly made my way to the inside of US Bank to explain the situation and was told I needed to contact US Bank ATM department to file a dispute. I contacted US Bank ATM department as instructed and was told I needed to file a dispute with my bank, XXXX XXXX. So I contact XXXX XXXX and they filed the dispute and the results from the investigation was yielded that the machine dispersed the full withdrawal amount of {$100.00} which is absolutely incorrect. While I am not sure what happened to my {$40.00}, I do know it was not dispersed by the ATM, which means that particular ATM machine should have been over by {$40.00}. I strongly believe the information provided in the investigation report by whomever is responsible for emptying the ATM provide a report full of inaccuracies. In addition, I know ATMs can be faulty, as I just recently visited this same ATM location and attempted to make a deposit of {$1400.00} but the ATM said the amount was only {$1300.00} so I had to request the entire deposit be returned and found that it was {$100.00} that the ATM machine was not registering. Just as the machine claims it gave me {$100.00} when it only gave me {$60.00} Resolution requested : I am requesting US Bank return to me the {$40.00} that its machine kept. Due to the inaccurate information provided by US Bank XXXX XXXX XXXX, the temp credit that was given to me by XXXX XXXX during the investigation will now be withdrawn. I want my money back. If the machine didnt disperse it then please help me understand what happened to it as it certainly didnt just disappear. Thanks in advance for your time and assistance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
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: I have reached out to the company in regards to a fraudulent activity on my card and I have tried to resolve the matter with the company but the company refused to help me out with the claim. On XX/XX/XXXX I filed a claim with US Bank for unauthorized charges on my checking account. The previous claim number is # XXXX. After refusing to help me out, the company claimed the film from the ATM transactions matches the film in the previous authorized transactions. I have requested to see the film and the company denied. I have submitted a claim with CFPB in regards to this matter and the company still claims the films match. I want to state that first and foremost, the company does not even have the amount right and I have tried to report it properly multiple times but the company seems to be unable to process the claim properly. The amount is not {$1500.00} but it is actually {$1900.00}. There were three {$500.00} dollar transactions and one {$400.00} dollar transaction. Also, the company does not have any image of me therefore they can not claim the transactions were authorized. I would love to put the film side by side with my picture and my picture ID or passport and also with my transactions that I have conducted and compare them side by side. The company refuses to provide a copy of those films and also refuses to properly compare the films with my image.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91331
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: Deposits and withdrawals
Consumer Complaint: I had already filed a complaint with US Bank their response does not make sense and this issue is not resolved. My account was compromised. Someone logged in from another device /location and linked to an external account. No verification was done to confirm it was me. Email alerts were sent and I did not receive them. I should be getting text messages. Money was transferred on XX/XX/XXXX, XX/XX/XXXX totaling {$9500.00}. There were not red flags raised stating this was against user patterns. I did not get any text messages indicating money was transferred just emails which must be gone SPAN and they tell me when I call to check my SPAM email when I call them. In this case I was not expecting any emails so if they happen to go SPAM email and I do not see them they are missed, SMS is better approach and should be enabled by default. Also how can account be linked without any proper ID verification? Their agent said anyone can link to anyone 's account now that is scary when account information is compromised. Account 2 factor authentication needs to be enabled by default going to text message. I have this for everything even Fidelity sends 2FA to my phone via a text message when an bank account is linked to confirm its me., US Bank credit card also has this by default and someone actually was trying to pretend to be me but failed on 2FA using the text message and account was disabled. US Bank customer support also said I will be getting money lost due to Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I bank at US Bank and still do. On or about XX/XX/2023 I placed a check # XXXX in the mail for payment towards my peoples gas bill. Some time after this date the check was intercepted, washed and the payee altered to an unknown and unauthorized payee by the name of XXXX XXXX. The check had been altered from {$370.00} to {$4400.00}. This altered item cleared my account and the fraudulent amount of {$4400.00} was withdrawn from my account. I discovered the altered check upon reviewing my statement and I immediately attended a USBank branch and froze the affected account and moved the remaining funds to another account. Considering XXXX XXXX XXXX XXXX my children assisted with helping redirect my SSA payment and retirement deposits. US bank to this date has failed to reimburse be for the unauthorized withdrawal. I have completed all the necessary affidavits and statements to US Bank but have been provided NO response to my requestS for when Ill be reimbursed. I advised USBank that I dont know this person and didnt write this check to THEM. I am blessed to have the funds available to be able to pay my expenses but how many other victims are not as fortunate.. This has been going on for over two months I dont understand the delay and need the assistance. The US BANK account in question is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
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: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XXXX received my USBank Reliacard and went on their website to set up my account. I had called the customer service number more than 3 times to get guidance and the " BillPay '' option that is linked to my account. I was told many times that " you do not have this access ''. I was placed on hold for long periods only to not have my issue resolved. XXXXSince I was not able to get any help with the bill pay process, I decided to set up a " test '' Bill Pay on my account. I noticed the {$100.00} was deducted from my account immediately. I had no guidance as to how the payment would be processed, mailed or electronic. XXXX-I called the customer service number again and expressed concern about this, but was told once again that " you do not have access to Bill Pay ''. I had to insist upon speaking to a supervisor and was placed on hold for another 20 minutes. She could not cancel or do anything to return my funds. As of today, my money is in limbo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank had to open a new account one week ago XX/XX/XXXX and I still can not Transfer funds. I had been with US Bank over ten years and had to Open a new account because my old one was compromised. It is now XX/XX/XXXX and can not transfer funds thru XXXX. I called 6 plus times to give social security number plus date of birth and mothers maiden name. In our society we call that The forgotten man! On Monday U S Bank Did call to take out payment for a loan but no go on transferring funds. Amount was {$1100.00} plus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Us Bank XXXX XXXX XXXX XXXX Account number XXXX Routing number XXXX US BANK XXXX CA XXXX THEY OVERDRAW MY ACCOUNT AND NOW THEY ARE HOLDING MY FOUNDS AND MY PAYMENTS.. AND MY MORGAGE LOA. EVEN I PROVIDE THE LATTER LOAN APROVAL THEY LEFT ME ON HOLD FOR AN 1HR AND 30 MIN AND THEY HANG UP AND SEND ME TO A SURVEY AND NEVER GOT HELP WITH. AFTER THEY TRANFER ME WITH 5 DIFERENT PEOPLE AND THEY COULDT GET IN THE SISTEM. THANK YOU FOR REVIEWING MY PETITION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95501
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received a letter on XX/XX/23 from US Bank dated XX/XX/23 ; application for XXXX XXXX XXXX XXXX XXXX XXXX denied ; I never applied for such an account. Called the bank, bounced around to 4 or 5 different people ; they said nothing they can do since it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I scheduled a credit card payment with my current bank ( XXXX XXXX XXXX ). The credit was redirected to a closed account at Us Bank. This happened XX/XX/2023. Since I have contacted and spent several hours on the phone with US Bank trying to get the issue resolved. They issued a refund check but didnt verify my current address and sent the check to the wrong address this was back in early XXXX. Since then I keep getting told that a new checked has been approved to be issued. They still have not issued the check to the correct address and no one at US bank can give me anymore information. Also they have made zero effort to stay in communication with me or even get this situation resolved in a timely manner. Their supervisors have taken down my contact information but have not contacted me once. After speaking with them today XX/XX/2023 they havent even saved my contact information. The amount owed is {$2200.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Other service problem
Subissue:
Consumer Complaint: The Company that I was previously a customer with is Called Elavon INC. The Company recently closed my account with them in XXXX and Placed both the My registered company and Myself on the MATCH LIST. As A result of this, I can no longer run my company or apply for new merchant processing. Elavon 's actions have caused harm to the reputation and financial stability of these individuals and businesses, and it is unacceptable. Their Actions will ultimately lead to greater Damages such as lost revenue, the Inability to accept future payments, and perhaps total insolvency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A