Date Received: 2023-03-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was told my account would be closed in XXXX never got closed. Was told something different never could get my funds out. Had to go with out many times and can not get my funds out. Had to pay my worker and couldnt do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I sent money through XXXX and was scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX XXXX I submitted complaint number XXXX against US Bank regarding a fraudulent mortgage account being opened in my name, US Bank has subsequently marked that mortgage charged off as bad debt, refusal to apply my payments correctly, refusing to correct errors regarding the deed to my home and adding my wife as instructed and agreed upon prior to closing, our mortgage representative 's refusing to stop the closing and instead she insisted I violate the terms of my contract by filing a Quit Claim Deed knowing the terms clearly state I would be subjected to a mortgage acceleration, their refusal to compensate me for the fees I paid to record the deed and include my wife, they do not hold title to my home and blatantly refuse to take any action ( s ) to locate it, telling my wife and I it was our problem and to contact our county to locate it, closing on my mortgage without having insurance on the property. Which we didn't know about until our agent contacted us in XXXX asking for specifics on our home so he could give that information to underwriting to complete the policy. Now, our escrow is for the amount of {$1700.00} yet our annual premium is {$120.00} less. US Bank refuses to lower my monthly payment accordingly and refuse to issue the {$120.00} escrow overage I will pay each year. Yet, I am forced to honor a contract for a home to which I will never hold a title as XXXX XXXX does not hold the title nor does the seller nor does US Bank. No one knows where this title is and no one will do anything to locate it. As of today XX/XX/XXXX they have clearly and undeniably retaliated after receiving the initial complaint by way of reporting this mortgage to all three credit bureaus four full months after closing, maliciously omitting and/or falsifying my payment history causing yet another negative detriment to my credit score. US Bank reported to XXXX that I made a payment in XXXX XXXX Not only did I not make a payment in XX/XX/XXXX, as contractually my first payment was not due until XX/XX/XXXX, but they have reported the payment was short in excess of {$160.00}. They failed to report any subsequent payments with the exception of XXXX XXXX XXXX To any potential lenders, this would appear that I made a partial ( very first ) payment in XX/XX/XXXX, failed to pay for the months of XXXX, XXXX or XXXX, causing my credit file to reflect a negative payment history. As of today XX/XX/XXXX US Bank reported my mortgage account to XXXX and XXXX and failed to report any payment history whatsoever. I have disputed this information with all three credit reporting agencies. Thankfully, my wife is seasoned in credit and finance with a 23 year finance manager portfolio, which prompted her to obtain copies of all three of my credit files, immediately after I submitted the first complaint. Neither of the three credit files reported a mortgage with US Bank. It was not reported until today XXXX XXXX XXXX This is clearly a malicious retaliation from US Bank and a deliberate action to further the detriment they have caused to my credit score.
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: 2023-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ my checking account at US Bank was frozen. I did not know this until Friday XX/XX/XXXX when I tried to use my card and it was declined. After it was declined I looked at the US Bank app on my phone and it showed there was {$1000.00} in the account. The {$50.00} of gas I was trying to buy should have been more than covered. I had opened this new account on XX/XX/XXXX right after I had moved to XXXX XXXX. When I was opening the account I was telling the guy helping me that XXXX, XX/XX/XXXX, I was getting on a plane to go see family in Alabama. The guy helping me open the account showed me how to go into the banking app and schedule me being out of town and where I would be so the system wouldn't be triggered by out of town purchases. All that got set up and I went out of town. I made purchases with the new card and things went smooth until my card was declined on XX/XX/XXXX. That morning, as I was 5 states away from the branch I had opened the account at, I called customer service to ask why my card wasn't working. I was told they needed proof of my new address because my driver 's license and address I had put on the account didn't match. The customer service person on the phone said I needed to physically bring the bank a piece of mail with my new address printed on it. I explained that I was 5 states away and not able to get to my mailbox and provide that until I got home. They would not work with me and the lady on the phone said the department putting the freeze on it didn't have anyone 's name attached to it or a phone number she could call or give me to call. Just an email address. Nobody local had any power over this. My plane landed in XXXX XXXX on the evening of XX/XX/XXXX. On XX/XX/XXXX I took my mail in there so they could see it. At this point I just wanted my money out and to close the account. The person who helped me sorted through the mail and said only one piece was usable because the other pieces had been forwarded to the address. He scanned and uploaded the piece of mail that worked and then told me it would be 48 hours before I could get my money. I moved to XXXX XXXX from XXXX, XXXX and had one last carload of stuff left to get from XXXX and XXXX XXXX XXXXXX/XX/XXXX drove down to XXXX to get it from my friend 's house. I spent the night with my friend and the morning of XX/XX/XXXX I walked into the local US Bank in XXXX and tried to get my money out and close the account since 48 hours has now passed. I was told they couldn't give me my money and the account was still frozen pending proof of address verification. I told them I had turned everything in to the branch in XXXX XXXX two days earlier on Tuesday. All I want at this point is to get my money and close the account. The US Bank branch in XXXX was unable to release my funds because of this hold for address verification. I didn't have my mail with me because people normally don't travel with mail to prove their address. US Bank was fine with me for two weeks banking and using my card without this address proof but now that I have provided it they are still holding my funds. I left the XXXX branch an hour ago still without access to my money. Moving is expensive and stressful without a bank acting this way. I want my money and my account to be closed. US Bank 's behavior is dangerous and falls into the category of harassment and is probably illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
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: Called XXXXXXXX XXXX ( XXXX ) on XXXX for help disputing an incorrect XXXX WEB ORDER charge for {$1200.00}. I provided the necessary information and was told someone would be in contact. I received a XXXX letter the week of the XXXX explaining that the charge never posted and no further action would be taken. I contacted XXXX via phone and explained that the charge had in fact posted and been paid at that point. The lady looked up and confirmed the letter was in error and they did show the charge posted and would place it in dispute at this time. She transferred me to another lady who asked a series of in depth questions around the transaction and explained they would issue a credit for the charges while they worked to resolve the dispute. I received another XXXX letter on the 3rd advising that a credit had been issue but a series of documents asking the same questions were included with the letter. On XXXX, I attempted to call XXXX to ask if this was needed since clearly it was the same questions previously provided over the phone. I was unable to complete this question due to the amount if account verification information that was being required. I was asked by XXXX first to verify account information which I did before being transferred to XXXX. XXXX proceeded to ask ( and I'm serious, pull the call ) for my full name, address including zip, last 4 of SSN, DOB, and a code from a verification SMS that was sent. At this point I cleared the call since this clearly is not intended for any type of account verification and instead is an intentional hurdle to keep for providing customer service. I would like help resolving the billing dispute but I am unable to work through the intentional hurdles to even ask questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27288
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I am alleging a UDAAP regulatory violation in connection to a promotion offered by US Bank. Below is a summary of my communications with US Bank. Some of the dates listed below are approximations. In XX/XX/XXXX, I received a promotion offer from US Bank to receive a {$500.00} bonus if I opened a checking account, set up direct deposit and met some other qualifying factors. The promotion offer included a promo code that indicated it needed to be entered directly on the application. In XX/XX/XXXX, I applied for a checking account with US Bank and entered the promo code that I was provided. I was approved for the account and shortly thereafter I contacted US Bank to ensure that the promotion was applied to my account, that I was eligible for the promotion and that I just needed to satisfy the rest of the requirements ( such as certain direct deposit thresholds ) to receive the bonus. In approximately XX/XX/XXXX, once I had sufficient direct deposits made to my account I contacted US Bank to confirm that the promo was still applied to my account, that I was eligible for the promo and that I had satisfied the requirements. The US Bank representative confirmed all my inquiries in the affirmative. Further, the US Bank employee indicated that there had been some internal problems at US Bank in paying out this promotion and that the representative would need to submit a manual request to have the payout sent to me. After doing this, she indicated that if I did not receive the bonus within a week to call back. After a week I had not received the bonus so I called US Bank again. I asked the agent to confirm that the promo applied to my account, that I was eligible for the promotion and that I satisfied all the requirements, in addition to the details the previous US Bank agent had told me. This US Bank agent confirmed all my inquiries in the affirmative and indicated that US Bank would not be paying out the bonus until the bonus promotional period had ended. At the end of the promotion period I would receive the bonus. I also received a letter from US Bank indicating that the bonus would be paid out on XX/XX/XXXX. On XX/XX/XXXX, after not receiving my bonus, I contacted US Bank and asked the agent to confirm that the promo applied to my account, that I was eligible to receive the bonus and that I satisfied all the requirements. The US Bank agent, again, confirmed all my inquiries in the affirmative and indicated she did not know why the bonus was not paid and that further investigation was needed. She indicated she would get back to me within 3 days. On XX/XX/XXXX, I received a voicemail from US Bank indicating the promo would not be paid to me because they could not find evidence that an email offer had been sent to me and that the terms and conditions of this promotion require that the promo be sent directly to recipient. On XX/XX/XXXX, I called US Bank about the voicemail I received, and the US Bank representative indicated that they could not find record of sending an email to me with this direct offer. I indicated that I did not recall if I received the promotion via email or direct mail but that I had received the promotion from US Bank and I had used the promotion code with no issue during the application process. The US Bank agent did not provide further assistance on resolving my problem or why prior US Bank agents had all confirmed that the promo was applied to my account and that I was eligible. On XX/XX/XXXX, I had a final conversation with a Customer Care Unit representative who reaffirmed that the promotion was applied to my account but that it would not be paid out because there was no record of directly marketing this promotion to me. The representative admitted that they reviewed the calls that I had made and that all the US Bank representatives had improperly told me that I would be receiving the promotion. I was also told that there is currently no error message that is set to appear if someone enters an invalid promo code during the application process. In summary, during the application process I entered the promotion code that US Bank provided to me into the application itself. At no point did I get an error message indicating that the promo code was incorrect, that it had already been used, or that I did not qualify for the promotion. Further, numerous US Bank agents confirmed that the promo was applied to my account and that I was eligible for the offer. Eventually, I met all the requirements to satisfy the promotion requirements. Based on the above information, US Bank has engaged in unfair, abusive, and deceptive acts and practices regarding this promotion in violation of the UDAAP regulation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX i was contacted bu US bank about deposits from Insurance funds that was for the purchase a vehicle, i have been harassed by employees at 2 separate locations about account information as well as had service denied to me due to the color of my skin, i have been forced to fill out internal documents that I had no idea what was the origin of, and several other discriminative incidents that are offensive and unnecessary, this bank has broken several civil rights laws and im going to get representation i have been humiliated publicly in front of other customers and they are going to pay for these malicious acts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: USBank is sending me much too many spam marketing emails. These are pure spam marketing email, not notifications about the accounts etc. I have no problem with useful emails. I'm talking about strictly marketing. These spam emails have no unsubscribe option. There is no preference in my account profile online to opt out of marketing spam. I call the best number for consumer support at USBank to get them to opt me out of their spam. They moved me to another division. They transferred me to another division, they transferred me to another division. That division was going to put my call through after I convinced the computer that neither of the two options they offered were my problem, but it disconnected me. I did a web search and found a special page to opt out of USBank marketing XXXX. It had a number to call. I called that number. After investigation USBank 's opt out specialist couldn't find a way to opt me out of USBank marketing spam. This may be the wrong place to complain, but unsolicited marketing spam should provide an opt out link on the email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97062
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: U.S. Bank sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. Below is information sent to me after I attempted to dispute the information. Supposedly : Original Creditor : U.S. Bank, N.A. Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I opened my bank account and noticed some suspicious transactions. The amount was {$14000.00}. Someone had done an external debit transfer and I did not receive any text messages in this regards. I called the bank. I asked them to freeze outgoing transactions. Next day XX/XX/XXXX, They took notes and filed a claim. They told me new accounts will be created and I needed to sign some documents. I called every since then till Tuesday XX/XX/XXXX. They kept giving me different information. They also said since there is an issue on their system, this debit external transfer is new I will get all my money back that was taken. Today XX/XX/XXXX when I called them they said investigator has denied {$9500.00}. I told the bank there was no text messages as I rely on that and how come their system can allow these external transfers to go to an unknown person. There is no profiile matching and this is a security breach. The bank said they are just front line and the notes that had was vague for ex someone used my IP address, I have virus software and use VPN to avoid this from happening, I have low vision so I am expecting Banks to safe guard my hard earned money. Now its so difficult to get my money back and US bank has not been helpful.
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: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A