Date Received: 2023-02-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Money wasn't available to use even though it was cash deposits, system for online mobile banking is not accurate as far as the time and date being processed for the deposit verses charges, bank refuses to acknowledge their errors. Have had a ruin of my entire life, not only did they commit fraud they're trying to hold me responsible for them stealing my money. I have called repeatedly and written letters to whom they instructed I write to, no change, no solution. I have had to fight everyone. I'm not giving up, I stand against bullying. I want everything and then some returned, resolved immediately please. This is not ok.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/23 I attempted to deposit {$260.00} cash through a US Bank ATM using a non-USBank card. The ATM malfunctioned and produced a reciept stating it was rejected, and the cash was not returned nor the funds added to my checking account. I immediately went inside and was told to call their customer service number. I then proceeded to talk to customer service, the dispute line, and somehow ended up with the employee line for US Bank ATM problems. They told me I would not receive my funds unless I filed a dispute through my bank XXXX XXXXXXXX XXXX ). I then called my bank, who began to file a dispute. They were unable to, as the transaction did not even appear on my bank statement as a declined transaction. My bank physically can not file a dispute on a charge that is not on my statement. Even so, I filed one anyways and went through the whole process only to have it denied due to not being on my statement. I then called XXXXXXXX XXXX customer service, who still agreed to file an escalated dispute on top of the original one. This one was also denied. The day it happened, I went into the bank and spoke to the manager who was very helpful. He documented my name, address, and all details of the situation for his records. He then said he would email me copies of the ATM count showing it was {$260.00} over, as well as email US Bank corporate on his end, which he did the following Thursday after the incident. I have the receipt from the transaction, the ATM count as a PDF and a copy of the email from the bank manager, all other communications between me and the bank manager, and proof that the funds were not returned to me through my bank statement. I have been dealing with this for nearly two months. I have called endless time and emailed multiple times, having records of all email correspondence. I am paycheck to paycheck, and this is a lot of money to be taken and not returned from me. I am not sure what to do now, but I am continuing to try and file ANOTHER dispute. US Bank customer service has been nothing but rude and unsympathetic to my situation, and have provided no help whatsoever, aside from the bank manager at the location.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: U.S bank fraudulently charged me for items that were never purchased. the transaction was rejected and the money was returned immediately due to there fraudulent and illegal banking practices they charged me several times multiple fines and fees for a transaction that never happened that is now being eported to chex systems, this violates many laws and many of my rights. including but not limited to The Electronic Funds Transfer Act ( EFTA ) : This law requires banks to accurately reflect all transactions on your account, and to provide you with a periodic statement that details all transactions. The Truth in Savings Act ( TISA ) : This law requires banks to disclose all fees associated with a deposit account, including overdraft fees. The Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations : This set of regulations prohibits banks from engaging in deceptive or unfair practices, including charging fees for services that were not provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear CFPB, I went in branch to open a new personal checking account at US Bank in XX/XX/2022 with the promo as following : Earn {$500.00} with total direct deposits of {$6000.00} or more, Enroll in online banking, Complete two or more direct deposits. I satisfied the conditions, and it has been over 60 days, but I do not see promotional credits posting on the account. This has been very frustrating experience for me! Please kindly advise!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX continues to report information i have proven is fraudulent and illegal. 15 usc 1681 requires reporting agencies to do maximum due diligence that is clearly being neglected The Electronic Fund Transfer Act ( EFTA ) : This law establishes the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers. Under the EFTA, consumers have the right to stop payment on a preauthorized electronic fund transfer by notifying the financial institution before the scheduled transfer date. The Fair Credit Reporting Act ( FCRA ) : This law governs the collection, dissemination, and use of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate or incomplete information contained in their credit reports, and to request that inaccurate information be corrected or removed. The Consumer Financial Protection Act ( CFPA ) : This law prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. If a company continues to use your financial information without your permission, they may be engaging in an abusive or deceptive practice, which would be a violation of the CFPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I deposited a pay check for {$4900.00} in the ATM of US Bank XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Twice a month my paycheck was directly deposited to this same account for 1.5 years. I received a letter from US Bank dated XX/XX/XXXX stating the check was on hold because there was reason to believe the check would not be paid. I called the US Bank customer service and fraud dept. and the representatives repeatedly explained to me they could not give me any specific details. On XX/XX/XXXX I received a second letter stating that US Bank was closing my account for suspected irregular activity. The funds that were in my account before the pay check was deposited were not available for me to withdraw. I continued to call US Bank customer service and fraud departments and was given the same response each time that no details were available explaining why may account was closing. On XX/XX/XXXX I received a letter stating that my US Bank checking account was closed and I would receive an official check for the credit. I did receive a check for {$250.00} dated XX/XX/XXXX. I called my local branch and was told by the branch manager there was nothing she could do and there was no notes with details on my account. I did email and speak with the employer who issued the check on XX/XX/XXXX and they informed me the check had been deducted from their bank account. I filed a claim with the CA XXXX XXXX regarding the final pay check owed to me. I had a meeting with the CA XXXX XXXX on XX/XX/XXXX and was instructed to obtain a letter from US Bank specifically stating why the funds were not deposited into my checking account. I called US Bank fraud dept. on XX/XX/XXXX and and spoke with my local branch manager and was told the funds were put in a holding account on XX/XX/XXXX. I asked why I was not notified or sent a check for the money owed to me from over a year ago. My account was closed after the money was put on hold in my name. But, when I called multiple times after XX/XX/XXXX no representative from US Bank would give me any details regarding the funds I deposited or why my check account was closed. The branch manager explained to me she was waiting for the funds on hold to be transferred to her bank and she would mail me a cashiers check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, we applied to have a loan modification due to not being able to afford the mortgage. The loan modification was approved and we signed paperwork for HUD to apply {$24000.00}. The loan amount was {$110000.00} to start XX/XX/XXXX. This would make the payoff XXXX in XX/XX/XXXX. I have made all my payments since this time, and I am in process of refinancing my loan. US Bank is attempting to add a different HUD amount to my US Bank balance bringing my payoff XX/XX/XXXX to {$130000.00}. The error amount is {$14000.00} US Bank is not providing a payment history ledger showing how my payments have been applied. My current balance on their website is {$93000.00}. They are attempting to increase my current balance {$14000.00}. There is no way my current loan should be the same as I purchased the house for in XXXX. It appears US Bank misfiled the HUD amount and they are attempting to correct it to {$24000.00} from the {$14000.00}. In addition, they are wanting to add this to my balance, which is XXXX % not correct. I am requesting US Bank to provide all documents of the proper HUD amount and ledger of my transactions from the time they assumed my loan from XXXX bank to the loan modification and after.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: APPROVED WITH HAF FOR PAYMENT ASSISTANCE, THEY SAID THEY HAVE SUBMITTED PAYMENTS TO US BANK AND YET NOTHING HAS POSTED SINCE XX/XX/2022 AND IM STILL ACCUMULATING LATE FEES AND NEGATIVE CREDIT REPORTING. HAF US BANK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Cfpb I woukd Like for you to first act upon this issue vs automatically closing my complaint I've been contacted for a purported debt. Elan Financial 's US bank account number is xxxxx. I've been receiving harassing calls from XXXX XXXX XXXX XXXX nonstop. Each day, I take several calls. On one particular occasion, I received three consecutive calls inside a minute. I'm not kidding, not even for a minute. which my rights under the Constitution are currently being violated. I'm specifically referring to the fair debt collection practice statute. By this firm, I am continuously being bothered. This type of calling is abusive and harassing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Yes, here I am again, I complained to XXXX XXXX XXXX that I lost my money by not refunding my money, they promised me to send me a new gift card instead, and instead I received a non-usable gift card card, I called customer service again and again, they just kept verifying my information my card number, but they didn't do anything for me, made me wait till today I didn't get any money back to me It's really too bad, the new card sent to me can't be activated or used, it's a liar
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A