Date Received: 2023-02-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My wife and I took out a home improvement loan for a pool the pool funds were sent to US Bank in XXXX of 2022. We were delayed due to construction of new suer installed around our property. when that construction ended I started making arrangements for the pool to be installed. I found out that the co borrower my wife took the funds from the bank lied to the pool company the financial institution and to me and misappropriated the funds for self gain and the US Bank refused to give any information as to where the funds went how they were used and who took them. I asked them for a complete investigation but US Bank refused to provide any information about the funds and told me that there was no fraud at there bank. I am filing this complaint because as a consumer I shave a right to know what happened to the funds I signed up for a pool the US Bank refused to give any details of the funds who withdrew the funds and where the funds are. As the primary person who is on the loan for repayment I ask for a complete investigation of those XXXX dollars deposited at US Bsnk in XXXX of 2022 this is bank fraud you can not borrow money from the lender for a pool on a home improvement loan and use the funds for self gain benefit defrauding the bank the pool company and the primary borrower she is in breach of the contract and may have committed forgery too thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to withdraw {$7000.00} cash on XX/XX/2023 and deposit It to different financial institution to pay credit card bill I was told we have only {$3000.00} cash on hand and we will get drop on Friday XX/XX/2023 to already made payment to XXXX XXXX XXXX for {$5000.00} and {$1700.00} to XXXX XXXX and was planing to withdraw another {$5000.00} to deposit to XXXX to reduce my debt ratio now I dont know what to do I have {$89000.00} in US bank and can not withdraw {$10000.00} that wasnt intent before month end please let me know what to do this never happened with others bank the teller name was XXXX at US Bank in La XXXX XXXX in XXXX Ca XXXX XXXX I only withdrew {$3000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On approximately XX/XX/ 2022, I deposited {$4000.00} into a U.S. Bank branch atm. The machine took an unusual amount of time to process the deposit, and after some time, returned my money and displayed an error message, that to the best of my recollection stated a foreign object was detected. The atm returned {$2700.00}, it kept {$1300.00}. I made this deposit in the evening. I went into the branch the next morning and opened a dispute with the branch manager. Since XXXX or XXXX, the bank has continued to deny my claim and their reason for denying my claim states " the requested amount ( {$1300.00} ) was dispensed. '' Could this bank be any more careless in investigating my dispute? I never requested {$1300.00}. I never requested any monies at all. I deposited {$4000.00}, the atm returned {$2700.00} due to an atm error, and kept {$1300.00}. How they arrived at the conclusion, time and time again that I requested {$1300.00} or even received {$1300.00} is beyond me. It shows they are not investigating my dispute at all. I've refiled this same dispute at least four times and I've received the same letter from us bank denying my claim for the same reason every time, despite the half dozen times I've called and talked with a U.S. Bank representative and explained to different customer service reps each time that I wasn't making a withdrawal, but a deposit. I requested to speak with a supervisor, I was never contacted by one, and the supervisor was always " busy ''. I requested the documentation used in the investigation, I only got the runaround. Of all the people I've talked to, and the different departments I was transferred to, no one has access to the documentation. It feels as if they purposely won't allow me to speak to a supervisor, or send the documentation used in their investigation of my dispute. These atms are checked every morning from what I understand. What's so hard about this? Clearly the atm had {$1300.00} in it unaccounted for. Then you see my dispute which was filed immediately the very next day with the branch where the atm is located. So from this point on, any energy I give to this incident will be in filing complaints with organizations that hopefully will take this claim seriously, and can help me reclaim the monies stolen from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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: The XXXX XXXX XXXX XXXXXXXX XXXX granted me a {$77.00} credit on my Fidelity CC that is serviced by U.S. Banks Elan Financial Services. The vendor processed the credit on XX/XX/2023 and has provided me with the credit slip and authorization # XXXX. I contact Elan at XXXX and they tell me the vendor has not sent the credit through. When I provide them with the authorization # they do not provide an answer as to why the credit has not been added to my account and they say it's a problem with XXXX XXXX credit card services provider. XXXX has been very helpful and they too are wondering what is going on. This appears on their online platform : XX/XX/2023 XXXX XXXX : XXXX XXXX XXXX - {$77.00} Pending XX/XX/2023 Amount {$77.00} Last 4 of card XXXX Type DEFAULTCREDIT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt Collection {$9500.00} paid to XXXX XXXX XXXX File # XXXX XXXX sent XXXX XXXX XXXX XXXX check via certified mail. XXXX Funds were received and check cleared by XXXX XXXX XXXX XXXX Received letter saying check was returned by our bank unpaid. Any arrangements that we may have with you to withhold the next step in the Kegan process were breached by sending us a dishonored check. Unless we receive a replacement payment, ee may proceed with legal action. XXXX XXXX from XXXX XXXX XXXXXXXX Enclosed cashier 's check ( possible copy ) with multiple dated stamps and handwriting " XXXX ''. XXXX I, XXXX XXXX, contact XXXX XXXX XXXX. They say the funds were in-fact sent to the debt collector XXXX XXXX XXXX and will send my a copy of proof. XXXX I, XXXX XXXX, call XXXX XXXX XXXX XXXX XXXX XXXX They decline to be recorded after I grant my permission to them and refuse to talk via telephone. XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX XXXX, is committing mail fraud and an attempt to receive multiple payments for debt already paid for and deducted from my account a month after receiving payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96080
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was in a US bank today to open an account myself I told to the lady that I want to open account and she said ok go and seat down I was waiting patiently because she was doing something on her computer after that she assess drop off a deposit and is still waiting for one another lady came out said wait and we will be with you so I'm still waiting for nobody else inside except me I'm just seating there if there is no drop-off deposit they working something inside the teller office then there is a woman came inside and they assess here I was thought maybe after this lady they will assess me then but I'm wrong because they do another thing again I feel I'm discriminate me because I am a XXXX, but I'm US CITIZEN ALREADY then I decide to leave because nobody want to assess me to open my account and when I leave nobody says anything US BAND IN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 416XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my mortgage online on XX/XX/XXXX from a saved value within the US Bank online portal. A popup confirmed my payment. I received a letter in early XXXX that payment not received. I called and two representatives reported not receiving payment. Called back and a representative reported she saw my payment on XX/XX/XXXX and that their system canceled it. NO ONE since has admitted to it. I corrected it by paying on XXXX and XXXX on XXXX, due XX/XX/XXXX. I made a reporting to the credit bureaus, US Bank stated I was late and refused to correct, but they did correct the XXXX, but not XXXX or XXXX. I appealed to their credit dispute department, and they stand behind that I was late although I referenced the proof of their representative and name and date and recording number. I again appealed to the credit bureaus, they again denied to fix. I called and the representative stated her computer shows XXXX late, She insisted, but the credit bureaus shows XXXX 30 days late. I received a letter with crazy story about how they are entitled to show XXXX late because they have a late XXXX payment. I have again appealed to US Bank. I have now been made aware that US Bank is fully aware they had a technical problem in XXXX that canceled members payments and they tried to adjust for the problem by not make reporting to the credit bureaus in a data dump in XXXX of 30 days late while trying to repair the problem, and only did in XXXX the data dump to credit bureaus of late payments. When they reported in XXXX, it picked up the incorrect data about my late XXXX payment, and I am sure many more, and reported XXXX as more then 30 days past due. Never has my account been 30 days past due. I am obviously not the only person effected, and they refuse to fix peoples credit reports when reported and lie about the ongoing technical problems. They should have fixed the late reports retroactively knowing they had a problem, advised customer service to handle these as priority and repair, instead they continue to keep bad reporting and lie about their faulty technial issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to access a us bank atm at XXXXXXXX XXXX XXXXXX/XX/23 and deposit XXXXus currency which was took from and in turn I only received a receipt & no money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61201
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XXXX, 2023, I submitted my VISA debit card to my doctor 's cashier to pay the {$40.00} copay for my doctor 's visit. The card was rejected. ( Embarrassment! ) This was the second time US Bank VISA has blocked my credit and debit cards, so I was quite upset when I called them for a reason why. The reasons stated both times have been : " Protecting elderly customers from being scammed by unethical online businesses that have been flagged by their credit card business operations. '' My complaint : 1. No notice of blocking my purchases, only to find out at the time of my next purchase my card is rejected - as in local grocery stores or payments for medical visits ; 2. Credit/Debit card company deciding who I purchase goods from and where I spend my money ; 3. Credit card company deciding how I spend my money. The agent I talked with said a " phone message was left ''. I do not have access to my message system and their phone number lacks caller identification. They do have my email address. No further contact with me to advise they would be blocking my card! NO NOTIFICATION of blocking card. I have been a client with and had the same US Bank VISA card numbers for over 40 years, I have a XXXX credit rating. I make it a priority to pay off my card balances before payment due date ( which is why they don't value my business- I have never paid them a dime of interest! ). The rep. told me at the time of my call she was closing my debit card account - and did. The last time they blocked my credit card for online purchases, I didn't realize at the same time they had also blocked my debit card. Again, suffering embarrassment and stress! It is a real rigmarole to get my cards unblocked... several efforts talking with at least 3 operations reps and being placed on looonngg hold during call transfers- after which usage still rejected and more phone calls/transfers and waiting for change to kick in. I would like their system and methods of PROTECTING THEMSELVES from unscrupulous vendors kept in-house and NOT PUNISH card users for not knowing the vendors on their list! Thank you, XXXX XXXX
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: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: XXXX XXXXXXXX XXXX uses US Bank to send our benefits. For 11 days, I have been trying to get US Bank to update my address and send out my replacement card, valued at {$6500.00}. US Bank refuses and everyday they tell me to Call XXXX and update my address. I have sent proof in to US BAnk, and XXXX has also sent in proof that my address has been updated and yet US Bank refuses to update my address and send out my replacement card. For 11 days, US Bank tells me to call, I call XXXX, I spend hours on the phone everyday between the 2 and everyday, US Bank tells me to wait 24 hours for the update to their system, when I call back to verify, I am told XXXX hasn't updated my address yet. I have proof that XXXX has updated my address, yet US BAnk refuses to acknowledge, they just say that I need to call XXXX and tell them to update the portal for US bank. I have requested to speak to Supervisors, IT departments, anyone else that can look and see if faxes have been received from XXXX to verify my address, and yet, US Bank just repeats the same thing. They refuse to call XXXX to verify what I am saying, they refuse to hold while I call XXXX, they refuse to give me any contact information so when I call XXXX I can get them back on the line. They just keep referring me back to cardholder services XXXX number. 11 days I have spent trying to get this corrected, and I am still where I started. US Bank is holding my {$6500.00} and refusing to send it to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A