Date Received: 2023-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/XXXX US Bank held a garnishment of my Social Security Disability benefits In the amount of {$920.00} for a commercial debt collector XXXX Funding. According to the SSA a commercial debt collector may not garnish SSDI and as of today XX/XX/XXXX, US Bank has not returned my funds to me, nor have they paid it to the creditor they withheld/garnished it for. Please enforce the law to have US Bank return my money to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX fraudulent active started on my bank account with US Bank. I had not given permission or account info to anyone. A fraudulent check was deposited into my account for {$640.00} on XX/XX/XXXX withdraws totaling {$230.00} we're withdrawn from my account. On XX/XX/XXXX {$440.00} was withdrawn from my account. On the XX/XX/XXXX XXXX more checks were fraudulently deposited into my account. On XX/XX/XXXX my Social Security check for {$1000.00} was deposited in my account via direct deposit and on XX/XX/XXXX another deposit was made to my account from Social Security for {$1000.00}. my account balance before all this fraud started was {$27.00} and with the 2 deposits from Social security {$2100.00} = {$2200.00} my home back now because mine closed during covid is US Bank on XXXX XXXX XXXX XXXX, Ca has returned {$1000.00} in XXXX XXXX and stated she ( XXXX XXXX the bank Manager didn't feel comfortable giving me any more money back from my closed account, she wasn't sure where the money came from. US Banks has {$1100.00} of my money and won't return it. All investigation have been closed since XX/XX/XXXX and the account closed. I did everything the fraud departs have asked me to do, I filed police reports, filled out countless amounts of paperwork for them and they found me not responsible for the crimes committed on my account. I was told the only way to get my money back was through my bank. Since the bank Manager won't do it I have called her boss, District manager for XXXX XXXX XXXX XXXX XXXX XXXX three times and left detailed messages, to which she has not returned. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
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: 2023-03-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I issued a check in XX/XX/XXXX costing XXXX to pay for my monthly rent ( in XXXX, IL ) and it was deducted to my checking account. In XXXXXXXX XXXX XXXXXXXX, I noticed that {XXXX was deducted to my checking account again and I take a look into the details of the deduction and found out that the same check ( check XXXX ) that I issued 3 years ago was used. I called the customer service/fraud dept and XXXX them why would they authorize a 3-year-old check to be deducted to my account and the fact that it has been deducted before ( in XXXX ) ; The agent over the phone can't give me an answer and said that it should not have happened cause checks are normally valid for 90 days only but I was told that they're gon na process to return my {XXXX} in my account within 2 business days. I waited for more than a week but it was not returned to my account so I called them again and again with weeks of interval and they will always say the same thing to wait within 2 business days, but still they didn't credit my money back to me. so, I went to one of the XXXXXXXX XXXX branch ( XXXX, IL where I currently live ) to talk to a banker but they said they can't do anything about it 'cause they don't process this kind of request and that I have to call their customer service so I called them again and was told the same thing and months have passed and I still haven't received my hard earned {XXXX}. and at this point, I'm just getting exhausted and hopeless in reaching out to them. I know it's not much to some people but it is to me and I needed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Check never came and they will not comunicate at all. XXXX, XXXX XXXX XXXX, XXXX XXXX email from XXXX, XXXX XXXX XXXX XX/XX/XXXX you wrote Thank you very much for sending the document over, I will proceed in closing the account. The check will go out Monday and should take 7 to 10 business days to arrive. Please let me know if you have any questions. Was the account closed or is still being drained with inactive account charges? Do you know why we never got the check? Thanks XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is not a duplicate. It is a description of US Bank 's risk to the consumer through systemic financial elder abuse. US Bank do not have the mandated liquidity requirements the XXXX XXXX framework requires. Under the XXXX XXXX framework, which is the international regulatory framework for bank capital adequacy, banks are required to maintain a minimum XXXX XXXX capital ratio of 6 %, which is calculated as Tier XXXX capital divided by risk-weighted assets. In terms of liquidity, the US regulators require banks to maintain certain liquidity ratios, such as the Liquidity Coverage Ratio ( LCR ) and the Net Stable Funding Ratio ( NSFR ), which measure a bank 's ability to meet short-term and long-term liquidity needs. Since they do not have the capital to cover losses, they systematically target elders to retain and grow their accounts with unauthorized next generation bank deposits. The modus operandi at US Bank is : XXXX ) When cognitively challenged elders are faced with trauma such as the death of a spouse, there is a potential for transition of the account to a different bank. XXXX XXXX U S Bank targets these accounts by opening unauthorized US Bank Guardian accounts opened without guardianship appointments by a court of law. These accounts are utilized with the children as guardians to keep the large accounts in house. Children transfer income such as Social Security, Veteran 's pay and required minimum distributions from IRA '' s received in these guardian accounts to US Bank accounts in their name. XXXX ) Children open out of state US Bank accounts to transfer parent 's money into US Bank accounts in their name. In my case, accounts were opened online in Florida. My mother and sister resided in Oregon. {$15.00} XXXX was transferred to my sister 's name through US Bank XXXX This is an illegal transaction. It violates many banking laws including BSA, AML, SAR. US Bank commits fraud. XXXX ) Changing the beneficiaries on IRA 's and pensions so that US Bank retains the accounts after the elder dies. ERISA violations were cited by former employees and families of elders in several court cases against US Bank. This is fraud. When US Bank is subpoenaed or requests for information made, US Bank makes up a new law to fit the crime. In XXXX I subpoenaed for bank records, they stated that the records could only go back XXXX years. My mother died in XXXX. That is XXXX years. This is a made up law to keep the records secret. This is fraud. Bank responds with fictitious laws when client requests information. My parent 's died intestate. As everyone knows, intestate means the children inherit the estate. Their latest response required that I send them a court ordered document stating that I was a representative of the estate. Another made up law. US Bank is breaking the law to get and retain money that does not belong to them. They commit violations of several laws including money laundering, BSA, SAR, and fraud to keep these accounts. This is due to inadequate risk-loss ratio that does not conform to the law causing further violations to maintain existing accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: on or around the end of XXXX we went through hurricane Ian in XXXX XXXX Florida. Our home owners insurance had been dropped just before the hurricane hit and we were left trying to find new home owners insurance. The hurricane hit the day before we had secured new insurance and our home was damaged on the roof and inside damage such as floors and furniture from the open roof tore away by the hurricane. Our pool cage was totally destroyed. We had many new large bills and no insurance. So to help us get some relief we applied to US banks forbearance plan, They accepted our application and that is where the harassment started by US bank. We were told we would be able to tack the payments of forbearance to the end of our loan XXXX or XXXX times. We were sent threatening mailings telling us we were late and that our credit would be affected and we would be reported to the credit bureau. Our credit did drop XXXX points during this time.We were then told toward the end of our forbearance program that we would have to pay the entire amount back in total. If it were possible to tack the additional forbearance loan they would charge us the current interest rate which they said would be much higher. I have been paying the entire amount in monthly installments allowed by the bank and they are still sending me late payment notices. After about 10 calls and arguing my case i find they have been putting my payments in the wrong place in my accounts. All i receive from my calls is sarcasm and threats Now they tell me its illegal for them to not add my forbearance and they cant charge me interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34287
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Good Morning Im reaching out because my bank is holding my liable for a thief by trickery scam. I was looking for a part time job on line on the XXXX XXXXr app. And I was offered a job, this job was working from home XXXX hours Monday through Friday, I gladly accepted it and thats when the dilemma started, the Hiring person ( XXXX XXXX ) sent me a check to purchase working equipment, told me to deposit the check into my personal bank account asking me to take pictures of the check the deposit slip and the receipt from the bank, ( which shows all my back information ) still I did thinking they sent me the check they are probably just making sure Im not a crook? Then they contacted me the next morning early to tell the funds were released and to XXXX a payment of {$500.00} To the vendor ( XXXX XXXX ) I would be purchasing the equipment from, so I did, once that payment was received I was asked to send via XXXX an additional {$1000.00}. To the vendor, XXXX payment was not available, so I was asked to go to my bank and withdraw in cash {$3500.00}. From the check I deposited the day before, by the way check was for {$4300.00}. So I did still not thinking anything. I figure it was their Money, once I had cash in hand the hiring Person ( XXXX XXXX ) asked me to buy XXXX I had no idea what XXXX was nor how to purchase it, but they did they sent me an address to the XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX and located the XXXX machine and I submitted all the {$3500.00} In cash and got a receipt, while I was processing the transaction I was told to screenshot each screen as I proceeded and I did which showed my ssn, scanning my drivers license, my email address, phone numbers etc. So now I have given them everything of my information Once I was done I was asked to go home and wait for future instructions. I get home I text my children to tell them the good news about the part time job and ask them if the ever used XXXX or heard of it as soon as I mentioned XXXX my daughter calls me, then my son is calling me I sent my son a text that Im on the phone and with in minutes hes at my door, ( my daughter in law works for a credit union ) and shes seen this scenario a few time and they target older individuals. I went to the bank to close my accounts was told me Im liable for the check since they ( the bank ) said I willingly deposited it and then withdrew cash from the account, and they were going to put my information on a check plus list so that I would not be able to open another account anywhere. Because I was a victim of thief of trickery, also I notifying my credit cards and creditors, I went to file a police report but was told because the monies are not in this state its not their jurisdiction Thank you for your time, XXXX XXXX XXXX Here is the names that were used and in the order I was contact : XXXX XXXX XXXX XXXX is my initial contact With an email invite to interview Then was asked to download XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) only contacted through the XXXX XXXX Third contact : XXXX XXXX CPA sent check via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vendor Also reached out to the XXXX support and their reply was : Due to the nature of XXXX, reversing the transaction or changing the destination of the funds once the transaction is sent is not possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I would like to report Predatory Lending practices on behalf of Elan Financial Services. A previous complaint was filed in which they admitted they had told me I was not required to pay an exorbitant minimum payment for the month of XXXX, but is still charging me anyway. This is Predatory Lending practices. Elan Financial 's response to my complaint was " Our review found that you were provided inaccurate information regarding how your credit from XXXX was applied to your account. We have confirmed that the account is not being reported as delinquent for XX/XX/2023. '' Their response also stated my XXXX balance was {$6000.00} and that they received my {$160.00} payment ( as I was told by their Customer Service that I did not need to make the exorbitant payment of {$1100.00} minimum due because my Target credit was received on XX/XX/2023. Elan 's response then goes on to say by XXXX statement had a balance of {$4800.00} and a minimum payment of {$1000.00} ''. How can I have a XXXX balance of XXXX, if only {$160.00} was applied? Elan flat-out lied to me ( as a holder of the XXXX XXXX XXXX ) about receiving the XXXX credit of {$1100.00} on XX/XX/2023. They told me on the phone that I no longer needed to pay the {$1100.00} minimum due and that they would note this in my file. Elan is still saying they want the {$1100.00} by XX/XX/XXXX, even after admitting THEIR mistake ( i.e. " you were provided inaccurate information ... '' ). I refuse to pay 25 % of my balance due to ELAN taking XXXX weeks to credit a return back my account. Elan 's response to my complaint states they still want me to pay {$840.00} on top of the {$360.00} that I have already paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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: Filed fraud complaint # XXXX with XXXX XXXX XXXX after finding fraudulent purchases on card. Was alerted by my personal bank XXXX XXXX that US bank had made an unauthorized transfer from my checking account of {$4000.00}. Accessed account and found fraudulent charges of just over {$9900.00}. Was sent a letter saying I was responsible for charges as I had received benefit from them. Service rep called me after I sent in unfavorable survey, reopened investigation, determined an unsolicited replacement card had been sent to me and was likely stolen in the mail. Got e-mails every 2 weeks assuring me they were working on it. On XXXX/XXXX/22 received e-mail saying claim was near resolution and I would receive an explanation letter. Never got it. Called and was told it was resolved and I had credits but they couldn't do anything about it because XXXX XXXX account was changes to XXXX XXXX. XXXX XXXX said I hadn't filed a complaint in a timely manner. Sent certified letter to US Bank requesting explanation letter and documents on XX/XX/22, still have not received a reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: During COVID I tried multiple times to get assistance with my checking account due to an ongoing financial domestic abuse issue and me not being able to understand some of the details of transactions. After my bank location closed and the next nearest branch was operating a skeleton staff I was unable to get the assistance I needed. Near the the last 2 months I was turned away with representative stating it was past the time they could do anything about the overages, charges I didnt authorize, and the holding of a deposit from the State of.California. So completely frustrated I drove to XXXX XXXX where I opened my account to hopefully get assistance there but found out my bank representative retired. I spoke with another person and after her not responding with any understanding I said forget it and I left. I found out upon arriving home she with out my authorization closed my account. I am upset because I couldnt reconcile my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95662
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A