Date Received: 2023-03-08
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: We received {$50.00} loaded on a VISA debit card issued by U.S.Bank Focus in XXXX XXXX for participating in a health study, including DNA, conducted by a U. of Florida group ( if I recall correctly ). I do not recall ANY notification about fees then, or at any time. We used the card once on XX/XX/XXXX, depleting the balance by XXXX to XXXX. That same month, we attempted to expand our usage of this bank to include a checking account that we could could with XXXX. We were totally unsuccessful in achieving that aim. Customer support via telephone seemed always to be someone who barely could communicate in English, requested that we submit multiple personal ID documents, never came to a post where we could deposit money. We are very concerned for the safety of our information, having been subject to identity theft in XXXX. Meanwhile, unknown to us, a clock was ticking that resulted in fees of {$2.00} being subtracted from the balance monthly starting in XX/XX/XXXX. We only discovered that these fees were happening when we used the card for an online newspaper subscription on XX/XX/XXXX, when we observed that {$10.00} had been depleted. Adding insult to injury, U.S. Bank is absorbing our local checking & savings institution, XXXX XXXX, as of XX/XX/XXXX. We can not trust the new institution to hold our funds and our identity. And, they are closing our nearby branch. The fees mentioned above are the very definition of JUNK FEES that Congress has indicated possible action on. I fervently hope that action will be taken.
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: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/ a check I write out for rent and mailed was stolen. I filed a claim that date and it has yet to be resolved. Each time I call I get a new resolution timeline and an update that continues to push out the decision date. This has taken way longer than they told me. I submitted all necessary documentation. US Bank has stated they are under staffed with check fraud cases at an all time high but I feel that isnt my fault. This is horrible to the consumer and this needs to be investigated. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: As of XX/XX/XXXX I deposited my tax refund for {$3300.00}. I made {$800.00} worth of transactions from that date through XX/XX/XXXX. However, my account was held for {$1700.00}. This caused my account to be overdrawn which has stopped me from bill payments and managing a daily line for myself and my family. On XX/XX/XXXX my ending available balance was approximately {$130.00}. By XXXX of XXXX my balance was {$2800.00} so I paid {$2000.00} for my rent which brought my balance to approximately {$700.00}. By XXXX that same morning, my account was suddenly overdrawn by - {$260.00} and has continuously grown since then. My rental payment was not scheduled for autopay, nor do I have overdraft protection. So how is it that there is no trace of a {$2800.00} deposit, yet my transaction was still approved? I have called us bank customer service multiple times and was provided no resolution. I visited branch number XXXX and spoke with their manager XXXX XXXX and he agreed that money has been mysteriously moving throughout my account and that the numbers are not adding up. He contacted accounting and they say my- {$1700.00} hold was due to my rent payment. This is untrue because the hold was established on XX/XX/XXXX ... rent was XXXX... again, I did not have auto pay. I paid {$2600.00} via apple pay for a car and even after that transaction & various others, my balance was still positive. I have not heard from XXXX XXXX regarding this matter and have left 2 voice messages and called their branch well over 5 times. I am under the impression that US Bank has stolen my hard earned, tax-paying dollars and has now caused unimaginable suffering. I am seeking legal counsel regarding this mattera as well as filing complaints with against FDIC, my banks Primary Regulator, and CFPB. All I want is my funds returned & my account brought back to a positive standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had an account with US Bank branch in XXXX XXXX, CA that was closed on me in XXXX because I got a bad check from someone. This was literally the first time this happened in 10 plus years. It wasn't my check either so how am I to know. Please help me recover my accoynts and restore them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95407
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open US Bank- Smartly Checking account following a promotion. But my application was denied for no specific reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back overseas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. The account listed below has violated my federal given consumer rights to privacy amongst other things. Account name- Elan Financial Service Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account # XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX Account name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Along with grossly reporting my accounts to these agencies, The following are exampled of errors that are being reported to credit agencies. I have challenged these with these companies and they have refused to change the reporting. below are examples. XXXX. In XX/XX/XXXX Elan financial stated I was 150 days late to XXXX but reported to XXXX that I was 120 days late. False information which is a major violation XXXX. In XX/XX/XXXX Elan Financial Stated I was 150 days late to XXXX but reported me as paid to XXXX. XXXX. From XX/XX/XXXX to XX/XX/XXXX Elan Financial allowed XXXX to list my account as charged off while XXXX lists my account as updated and " okay '' XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE 9. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XX/XX/2022, I opened a checking account at US Bank Branch located at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, In response to a promotion code XXXX which says that if I opened an account and make a direct deposit that would amount to XXXX or more within 2 months of opening the account I would received a bonus of {$500.00} which will be deposited into my new checking account within 60 ; days of direct deposit verification and verification of enrollment in US Bank mobile App. I was enrolled at US mobile App the day I opened the account which is XX/XX/2022. My first direct deposit on my new Checking Acct was dated XX/XX/2022. As of XX/XX/2022 I already have a direct deposit totalling {$6700.00} posted in my account. XXXX XXXX I called US BANK customer service, representative XXXX attended my call and told me that I won't receive the said bonus until after 5 months. Request assistance to make US BANK comply to their promise to give me said bonus within 60 days from from direct deposit verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: RE : CFPB Complaint Number : XXXX. CFPB sent my original complaint to the company ( US Bank ) fifteen days ago, on XX/XX/2023. US Bank has failed to respond to CFPB or to me regarding my complaint. Therefore, US Banks response to my original complaint is untimely according to the CFPB regulations. Since having filed the original complaint, I received a letter ( photo attached ) from US Banks credit department dated XX/XX/2023. The letter states more reasons than was told me by the telephone conversations with employees of US Bank immediately after learning that my application for the credit card State Farm / US Bank invited me via a letter to apply for had been declined. By telephone, I was given only one reason for my application being turned down and that was but for having been granted too many new lines of credit by other companies within the most recent twelve months. ( In my original complaint I acknowledged the amount of the recent personal unsecured line of credit granted me by XXXX XXXX in error at [ {$20000.00} ], when in fact the new line of credit with XXXX XXXX is for [ {$25000.00} ] ). The attached letter states multiple reasons for US Bank declining its solicitation to me via the United States Postal Service to apply for yet another State Farm / US Bank credit card and stating, We hope you are enjoying the State Farm / US Bank credit card the companies had granted me long ago that I have, in fact, enjoyed which is why I accepted their new offer to apply for yet another of their credit cards. Since filing my original complaint with CFPB, I wrote to the chief executive officer of US Bank, XXXX XXXX XXXX. I reminded XXXX XXXX that State Farm / US Bank had performed a soft pull of my credit standing BEFORE mailing to me its solicitation to apply for the Good Neighbor credit card and therefore the companies knew all of the reasons it stated for denying me their offer AFTER US Bank then pulled the hard pull it used to deny me their offer and that there was no more information that US Bank could have learned about me that it already knew from the soft pull. My learning that a soft pull was performed to qualify me to be mailed the offer only to be turned down with the results of the hard pull that hurt my credit rating is outrageous and is another reason for me making this second complaint with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My checking account at US Bank became overdrawn on XX/XX/XXXX, after a banking error resulted in a mobile check deposit being duplicated. This error occurred in XX/XX/XXXX but the funds were not taken out of my account until XX/XX/XXXX. This took all my money from my checking and savings accounts and left me with a negative balance of {$1000.00}. I called and was told my account would automatically close in 30 days if the balance wasn't brought to a XXXX or positive balance. During these 30 days, overdraft fees of {$36.00} each accrued, and my balance became negative {$1400.00}. On the XXXX day, I contacted US Bank Customer Service and was told my account was closed and nothing would come out or go into it. I could no longer access my checking account through the Mobile Banking App. On XX/XX/XXXX, I received notification of a {$2400.00} deposit into my supposedly closed checking account. I went to the US Bank Branch and was told my account isn't closed ; it is " pending closure ''. I should have a refund of {$1000.00} but as of today, XX/XX/XXXX, I have yet to receive anything. When I have called the US Bank customer service line, they tell me they don't know how long it will take to complete the closure process and if applicable, a cashier 's check will be sent to me. I asked to speak to a supervisor and was informed that they do not speak directly to customers. I asked the bank to refund a portion of these overdraft fees, but they refuse to do so. I just want my money at this point. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Elan debt was consolidated and paid in XXXX. When I was notified that the payment was paid to the wrong account it was 2 years later and hit my credit file. When I disputed the information I was credited with paying off the account in XXXX of XXXX and not XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A