Date Received: 2024-01-29
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I received a gift Visa debit card from US Bank National Association, it directs you to XXXX for account information then once you login, it tells you to call XXXX ( also on the back of card ) to choose a pin. However the phone number always immediately disconnects the call, resulting ultimately in not being able to use the {$50.00} at all. I am unable to ever connect/ get through to that phone number even after trying multiple times, different days. It instantly just hangs up on you. Is this a scam?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: THIS ALL HAPPENED AT A US BANK ON XX/XX/2023 A PERSON IN OREGON CLAIMING TO BE ME DEPOSITED A CHECK FOR {$4500.00} DOLLARS INTO MY ACCOUNT .THEN A FEW HOURS LATER WITH DREW THE {$4500.00} DOLLARS. THE BANK AFTER FINDING OUT THE CHECK WAS NO GOOD TOOK {$4500.00} OUT OF MY ACCOUNT .WE WENT TO THE BANK AND WORKED WITH THE MANAGER AND DID EVERYTHING THAT THEY ASKED WAS ASSURED WE WOULD RECEIVE OUR MONEY. WE KEPT IN TOUCH WITH THE FRAUD DEPT AT US BANK EVERY OTHER WEEK AND AGAIN WE WERE ASSURED WE WOULD RECEIVE OUR MONEY. WE WENT TO THE BANK AGAIN AND WORKED WITH THE BRANCH MANAGER AND WERE TOLD THAT THE CLAIM THAT WAS PUT IN AT THE BANK WAS DONE WRONG AND THAT THEY WOULD EMAIL US A NEW CLAIM FORM TO FILL OUT, WE WAITED 2 WEEKS AND NEVER RECEIVED ANY EMAIL SO WE CALLED AND WE WERE ASSURED SOME ONE WOULD CALL US. WE DID RECEIVE AN EMAIL SAYING IT WAS A WASH AS FAR AS THEY WERE CONCERNED BUT I HAVE PAPER WORK TO PROVE IT WAS NOT .THE SAD PART IS THE WE HAVE BEEN BANKING WITH THEM FOR OVER 20 YEARS AND IT IS SAD TO SEE HOW THEY TREAT SENIORS I AM SEVENTY SEVEN YEARS OLD AND ON A FIXED BUDGET
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
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: First off, this company 's dispute office is incompetent, and gives zero effort towards their cardholders, or their job in general. XX/XX/XXXX ordered a {$100.00} hoodie from a website ( XXXX XXXX XXXX ) I saw on a XXXX ad... yep, that's my bad. They advertised fast and free shipping. XX/XX/XXXX - XX/XX/XXXX Never received order update saying it was shipped, never received tracking number. Tried 4 different times to contact XXXX XXXX, the only way to contact them is through email, so I did that. Only ever received the same automated generic response that was completely unhelpful. XX/XX/XXXX Tried to dispute charge online, couldn't, had to call them and be put on hold at work. Finally got ahold of u.s. bank person to dispute, gave him in depth detail of product, order #, how I never received an item, and that after many attempts, I couldn't get ahold of the merchant, other than an automated email. XX/XX/XXXX I got a letter from u.s. bank that included a generic email from the merchant, it didn't say anything about them having issues and apologizing, it didn't include a tracking number, proof they shipped anything, or proof that they canceled the order, it just had my info on it, and the same description of the hoody I first gave to u.s. bank. Got online and I noticed u.s. bank credit card charged me back the full charge of the hoody, I called them asking how, they said I'd have to wait until their dispute investigation office gets ahold of me, meanwhile I reiterated my story to them. I even added how that company just recently went in and changed the order to show canceled 2 months ago. XX/XX/XXXX Investigation team finally calls me, rude lady says there's nothing they can do, she claims the merchants rebuttle, that had 0 proof of anything mind you, was good enough. When I told her how silly that was, she changed her story to blame me. She claimed that I needed to have written them a letter that said what I was trying to purchase, apparently the first person who took my dispute only put in hoody, which she claims it needed to be more descriptive. They dropped the ball, I lose {$100.00}, U.S. Bank loses a customer, and the scam merchant XXXX XXXX XXXX profits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: My complaint is about the deception in the wording, " covid relief '' when I had been making payments late I was offer the opportunity to take advantage of the program, at the time I was struggling, along with the entire world to make payments on basic necessities, it seemed as a revelation from God, so I didn't questioned it, as many others I was thankful, at the time I owed the bank XXXX more or less, and j thought that things were actually going to look up for me, well this year I decided to part ways with the house, since the struggling times had comeback as I was trying XXXX fix the house to sell it, I was ready to part ways in an as-is condition, willing to walk away with only the money I had invested on repairs, but it turned out that the XXXX page contract that the bank sent me had intricate wording behind its title of " relief '' giving the fact that now my balance of XXXX had increased to XXXX taking away the little bit I was planning to walk away to try to build a fresh start for me and my XXXX XXXX XXXXXXXX XXXX, after all I have been paying all my mortgage payments on time since I bought the house, can I walk away with something or is that not allowed? The bank will not loose, never has, now that my house is under contract and about to be sold, the bank will be paid in full, but my question is, why do me and my daughter have to start from minus zero? Is there any justice when the equilibrium of things are set? If a pandemic starts are the little taxpayers supposed to be the only ones to suffer while the big entities like the banks thrive on? Or can we make it an even struggle? And let the bank actually provide said " relief '' since they already ripped the benefits of years and years of high interests rates and principals? I am not here to complain about my high interest 30 year mortgage, I agreed to it and was gladly making those payments, my complaint here is that we entered a global pandemic and a disaster package wrapped in the word " relief '' was offered to us, just to find out later on that there was no relief in it but sorrow, are we to let big entities thrive in the pain of the people without batting an eye or doing anything about it? The XXXX I could have walked away with it is nothing to a big entity that rips benefits of 30 year long loans, but to me and my baby was the one and only option we had between looking for shelter or being able to afford one. If this is what " COVID relief '' from a company supported and backed by the government does when a worldwide pandemic hits, which is, to use the name of said pandemic to take from the impacted without remorse and become fatter thereof, then I must say, worldwide pandemics make for good business. I must remark, that I was not looking for " loan modification '' or " forbearance '' plans, I took the " COVID19 relief '' bait, and I sure fell for it, as I was laying on the ground they made sure to take it all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Us bank has locked me out of my account, repeatedly lied to me and even employees have hung up in my face ( XXXX ) supervisor fraud and dispute division after having me on hold for over a hour. They attribute me lock out to me changing my phone number on the account but thats complete XXXX! My account has been locked since Thursday the XXXX XXXX XXXX and no change has occurred. I havent been able to eat, buy any food, get transportation or even feel comfortable and its effecting my sleep because Im filled with XXXX, I am very very upset and angry at US Bank for basically stealing my money and not doing anything to help me! This is so XXXX annoying and Im over it with US BANK, I have called everyday and nothing has happened. This is so XXXX for them to be able to just lock me out of my XXXX account where us bank is taking no risk on my secured card I put my own money on that card so I WANT MY ACCOUNT UNLCOKED AND IM MOST LIKELY GOING TO CLOSE THE ACCOUNT BECAUSE THIS XXXX IS ILLEGAL! I literally cant even buy XXXX food and Im starving because some XXXX at US bank decided to put a lock on my account and now I have to wait for a call back to make sure I made the changed on my account thats completely ridiculous and I extremely upset US BANK CALL ME IMMEDIATELY AND UNLOCK MY XXXX ACCOUNT!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im a US bank customer for more than 10 years. I mailed two checks to the county of XXXX on XX/XX/XXXX for my property taxes. I dropped off the mails in the mailbox in front of the post office. Both checks were stolen. One with the amount of {$9900.00}. I filed an investigation with US bank on XXXX The other check with the amount of {$5700.00} filed on XXXX I am following up with the bank by phone and in person to a branch. Every time I receive different information regarding how soon I can receive my money back. Last conversation with XXXX XXXX the fraud supervisor was today, he said that it can take up to 4 months to complete the investigation. And bank is not liable to give me provisional credit. Please kindly assist me. Since I am paying interest on this amount, I have already had {$550.00} delinquency fee. Sincerely
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I was paid by my job. And thats when someone from US bank authorized a {$2000.00} at XXXX. I was not notified of this amount being taken out of my account until I logged into my app on Friday XX/XX/XXXX. When I immediately noticed this, I contacted my local branch. They couldnt tell me the location of the bank this had occurred in and transferred me over to their fraud department. I was advised to head over to a branch and file official paper work regarding the matter. All that was done at the time was my account became frozen. Following that conversation I initiated a police report and was able to file report on Saturday, XX/XX/XXXX. My documents were sent over to their fraud department. I was able to open a new account and transfer what was left remaining of my money into it. However, I never heard back from them once since then. Until I made a call to them two weeks after having sent my paper work. I was told that these cases take up to multiple months. And that they are currently working on getting as much information to build a case. Im honestly distraught because I have trusted them with my service for years, and it seems that I am really receiving the short end of the stick. I am not sure how in the world XXXX can be taken out of my account without having been showed an ID. Or why the bank where this had occurred in was not brought into this discussion. I will NOT be recommending this bank to anyone. As someone who has been a loyal customer I am completely appalled by their negligence with my money. I was told that if any updated information was found I would be sent something in the mail. It has passed almost two whole months. And still I have no information. I live in XXXX XXXX, and the bank that allowed for this is located in XXXX XXXX IL in XXXX. It is about XXXX miles away from my home, and I have never set foot in that area. I am tired of waiting and not hearing anything back regarding my isssue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was traveling out of town due to the death of my father and was not able to handle the payment of my credit card and wanted my card to be current for I had this credit card for years and wanted to remain in good standing so my brother told me that due to our fathers death he would take care of my balance but unfortunately after the complete balance was paid off in full my account was closed due to authenticity and the credit card department told me I needed further authenticity to reopen it that if I showed I was on the account that paid off the balance they would reopen my account I never knew if my account was paid off in full my account would be dealt with in such a despicable manner but due to the death of my father I was unable to handle my affairs in a prompt manner so my brother willingly assisted me to correct the high balance I never knew it would create such a big problem infact when I logged on it showed as if it my account was still open but now its closed due to paying the entire balance off in full which is ridiculous so not only am I dealing with the death of my father I am being penalized for paying in full a credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXXXXXX XXXX I was contacted by a company named XXXX to XXXX my membership for XXXX Services XXXX I did not want to renew. Then I am told I had a {$120.00} credit which I disputed. After much discussion I agreed to accept the credit and was told to go to my computer to enter refund to my bank account. At this point they had complete control of my computer. Rather than enter {$120.00} they entered {$12000.00}. I told them I needed an account # to return these monies via electronic transfer. I was told they do not have this capability which I questioned. After XXXX XXXX of constant phone calls I agreed to return the money via their method. Directed to go to XXXX 's to locate a bit coin machine which I am not familiar with ( XXXX XXXX I visited ). Found a machine at a service station across from my US Bank, Made XXXX transactions in amounts of {$4800.00} & {$4900.00} with my debit card ending in XXXX. Fast XXXX : Later US Bank denied my claim in a XXXX sentence memo because I had given them my account number. They already had access to my accounts on line. They did not ask for an explanation from me. Whereas I immediately went to my US Bank and closed both my accounts and opened new ones. In fact I was told to let this run through before doing anything further. In the meantime the bank employee when setting up new accounts verified that they did not enter {$12000.00} into my account. In fact they merely transferred the {$12000.00} from another account I had. They did this without my giving them any account numbers.. I assumed that was the conclusion and I had been had. Then I received notice that my payment of {$170.00} was due on a US Bank Visa Credit Card ending in XXXX. I was not aware I even had this card as it was never used before this transaction. My next mistake was paying the entire amount on this card from my XXXX account. Why? Because I did not want to incur additional interest on an account I did not know how long it would take to pay this account off. Nor I did not want to affect my XXXX XXXX which it took years to build up Very Good XXXX XXXX. Although my account statement shows these XXXX transactions of {$4800.00} & {$4900.00} show as being charged to my bank account but this is not what happened.. The account was closed and no monies available so someone transferred these amounts to a credit card I did not know I even had without my approval. I use only XXXX credit card and this was not the card I had been using at that time. After this year of going from the Credit Card Acct to the Bank for answers nothing has been accomplished other than each saying the other is responsible. Always someone will get back to me and nothing I would think that a charge that came through with this amount needed to be approved. And I was not notified of this transaction and would not have approved this. I get calls from the bank XXXX credit card company for amounts that are so much less and I either approve or deny the questioned amounts. Why did I not receive a call questioning this transaction? I have been with US Bank when they were XXXX XXXX, XXXX XXXX now US Bank with no major issues. The memo also said in review of my transaction in my accounts. I never withdraw large amounts other than XXXX XXXX, XXXX XXXX XXXX XXXX transactions that are legally due. XXXX : I have any document that would be necessary to file with this claim BUT I do not know how to accomplish this. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XXXX XXXX I submitted the information that XXXX requested. I had to buy a fax app to submit the information because their website did not work for the card. I spoke to 2 representatives again on XXXX XXXX trying to get a replacement card. They told me to upload information to their website which I tried numerous times and it would always give me an error. I explained that and they told me they cant fix the website so I would need to again pay to fax them the information. I told them Im not paying more money to send them information again about the card that they shut off and I paid for. I asked them to have someone call me back that could help me and they hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46725
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A