Date Received: 2023-03-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I applied for US Bank account on XXXX XXXX XXXXpplication ID is XXXX ) and was approved on XXXX The deposit of {$25.00} was posted on XXXX XXXX Confirmation number : XXXX ) Besides the approval email, I did not receive any other documents or debit card. Therefore, I do not know the checking account number. When I called to request service, I was asked for either account number or debit card number and I do not know both numbers, therefore, I was unable to use the account or close the account. Please help me close the account and refund the {$25.00} deposit. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: So I applied for an Auto loan with U.S Bank on XX/XX/2023 because me and my family are in need of a new vehicle and I was denied the loan. Now we have to figure out how we can move around from work and daycare and its taking a toll on our expenses right now. One thing I do know is that by consumer 15 USC 1602 Chapter 41 Sub Chapter 1 that I have an Open end credit plan and by me being denied this loan, I am being denied my rights as a consumer. Also, when I gave them my social security number I know that when they ran my credit card ( which is my social security number ) anybody who ran it got paid something and in return from me giving them that I was denied which is not legal. I have contacted them and they were only telling me that I was denied and that is all they can do for me. I also received the denial letter and on the bottom of the letter it states that they can not discriminate anybody who has in good faith under the Consumer Credit Protection Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was sent a bank statement from US bank stating I had a business account with them, which I never applied for. When I called US bank they stated the line of credit was closed and the balance was XXXX. I also recieved a letter from XXXX XXXX regarding a recent application for a Credit card. I never applied for this card. I called XXXX XXXX and no account has been open. My bank account was hacked and {$13000.00} was stolen. I worked with my back to close and set up a new account and my money was retrurned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98264
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XXXX, we took out at home credit loan from XXXX XXXX XXXX XXXX. At a banking interaction with US Bank, the bank representative sold us on what appeared to be a better home credit deal through US Bank. He convinced us that the US Bank loan was a better deal for us. Weve attached emails from XXXX and XX/XX/XXXX that show details of what we understood the US Bank home loan to entailed. You can see through the emails that the US bank representative misunderstood aspects of the loan and never mentioned the loan had a variable interest rate ; however, we thought the loan did save us money so we decided to switch to the US Bank loan. The representative quickly went through the loan details with us during the signing. Our understanding was that the loan had an initial XXXX % percent interest rate for XXXX months then moving to a fixed rate of XXXX % for the remainder of the loan. We verbally confirmed with US Bank representative during the signing that the loan was fixed rate. In XX/XX/XXXX, we realized our loan payments had increased. We emailed both our US Bank branch XXXX and the representative who sold us the loan. See attached email dated XX/XX/XXXX. Neither of them responded to the email, so we followed up by phone call. The branch XXXX explained over the phone that the loan we signed was varied interest rate, only USBanks profit was fixed, and made no effort to correct the situation. We were shocked and frustrated at the admission of our loan rate being variable based on federal interest rates. We have excellent credit score and would not have agreed to US Banks loan if we had known it was a variable interest rate. Continuing to try to find a more sustainable solution, we called US Bank to explain that we were misled about the interest rates and ask for a solution prior to the next anticipated XXXX XXXX XXXX increase that would take effect on XX/XX/XXXX. We spoke with the USBank representative who sold us the loan on XX/XX/XXXX and he said he had been confused about the loan and that he would also be upset about the huge rate increase that led to a huge increase in our monthly payment. He told us he would make it right and work with the bank underwriter to lock in our loan at a lower rate. We attempted multiple times to follow up with him on his phone and through the bank branch, but we never received a return call. On XX/XX/XXXX, we sent the US Bank representative an email regarding the situation and we copied the loan underwriter as well as the US Bank XXXX XXXX XXXX XXXX. Attached are the emails showing that, even though we were misled on the interest rate, US Bank is not doing anything to correct the situation. We are currently paying an additional {$1100.00} a month on our loan because we were misled about the conditions of the loan and the details of the loan were not adequately explained during the signing. We want US Bank to return our loan to the XXXX % rate and lock in this rate as we were never informed that it was a variable interest rate and clearly the US Bank representative was confused about the details of the loan. Furthermore, we want to be refunded by US Bank for all additional payments above the 3.25 % interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went out of town on XX/XX/XXXX and i lost my card before I left town. My pin number was written on my debit card due to the fact of me having hard time remembering my pin numbers as I have a few. After getting back to town on XX/XX/2022, I realized there were unauthorized withdrawals from my checking account and I realized I do not have my card. After contacting US Bank to inform about what happened and filing a dispute, I was provided a claim number # XXXX. After waiting for weeks to hear back, my dispute was closed with absolutely no resolution. The reasoning given by US Bank was that since the pin number was used, the transactions were authorized. I have tried contacting US bank multiple times in regards to this issue after the decision, and I was finally able to get hold of someone who could provide me with more information. The representative said that they have reviewed the footage from the ATM machines and it matches my description. I have inquired about obtaining the copy of the videos or photos but they said they are not able to nor obligated to show me those and that it is used only for internal use. I have informed them that I was in XXXX XXXX and I have the proof for it but they were not interested.
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: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Hello US BANK, i ; ve had some major fraud occur with you guys and my identity. There was a fraudulent account opened in my name and i only found out recently because something was sent to me in the mail stating i had a negative balance and a new debit card was sent to me as well. I NEVER OPENED AN ACCOUNT WITH US BANK, i called and told US Bank the same thing over the phone. i dont think i should be liable to pay back something i didnt do and ive also placed freezes on my credit and identity because i have no idea what other accounts have been opened under my name. Id like this account closed ASAP, its fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 527XX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX reporting negative information on credit report. According to 15 U.S. Code 6802 ( B ) it's illegal to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was sent an email from US Bank to sign up for a merchant services account and spend a certain amount {$50.00} or have a transaction within 60 days and I would get a {$500.00} bonus deposited into my account. I met all of the requirements and the deadline has long passed. I contacted the CS for US Bank and was told I would get an email nearly a month ago as a follow-up ... ..nothing came. I then called and spoke to a CS rep who apologized and told me I would get a follow-up email nearly three weeks ago, which has never come. I feel like this bank is defrauding me currently. I have been getting charged monthly fees on this account since signing up for this service as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: It's U. S. Bank taken long time in closing my checking account ending in XXXX and also having restricted UNLAWFULLY withdrawal of positive credit balance of my checking account. Moreover, said bank as harassment returned my payments 1 ) {$1000.00} to XXXXXXXX XXXX XXXX with remark AS ACCOUNT FROZEN 2 ) Check number XXXX of {$500.00} returned unpaid on XX/XX/XXXX to XXXX with remark AS ACCOUNT CLOSED and let me without any hesitation that said bank done it as a FRAUDULENT PRACTICES WHEREAS said bank closed my checking account on XX/XX/XXXX. Too till todate said back not sent me their CASHIER 'S CHECK of my positive credit balance of {$1800.00} even after my many reminders. I firmly believe that CFPB must take legal steps punishing forcing to pay penalty of {$50000.00}. XXXX XXXX XXXXXXXX. Tks in advance with warm regards. Sincerely XXXX, XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A