Date Received: 2023-02-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been banking with the same bank for many years and I recently closed my credit card because of it being so high and I wanted not to use it. since I closed it in XXXX of 2023 I noticed I have been getting 2 finale charges per month. 1 of them is on cash advances which I understand but being charged over {$200.00} total in 2 months for a cash advance on {$400.00} is ridiculous. im XXXX XXXX XXXX and live on social security. this cant keep going on or I will file for bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX is the chairman, president and chief XXXX XXXX of U.S. Bancorp In XX/XX/XXXX, I worked for XXXX XXXX XXXX in teh US Bank XXXX building XXXX XXXX, XXXX. The government forced closure of place of employment and provided me with Covid Unemployment compensation which was too little too late and I very quickly fell behind on Mortgage/car/credit card payments. Prior to government forced unemployment, i had a high 700 credit score and always paid my bills on time. My mortgage, Car loan, and 2 high balance credit cards, and a reserve account were all current, and then i quickly fell behind when the place i worked at was forced to permanently close. Then US Bank started deducting all kinds of NSF and penalties across all my accounts. The amount is over {$1500.00} that was STOLEN from my government assistance funds. Then XXXX XXXX and US BANK tried to force signature on a quit claim deed to correct the mistake they made on a quit claim deed that originated with my mortgage in XXXX at XXXX XXXX XXXX # XXXX XXXX Mn XXXX They hired a bunch of XXXX to harass me and there are a few police reports at the XXXX Police Department regarding the XXXX. Then there was a cease and desist that was violated numerous times. All this occurred while I was forced to stay home. I was receiving Covid relief and I was enrolled in a Federal Government Mortgage Assistance program. I question the legality of USBANK attempting to foreclose on my primary residence while forced to stay home and on these Government Assisted Programs. I paid all back owed amount on my mortgage and re-enrolled in government mortgage assistance. I am also on Minnesota Medical Assistance and have filed identity theft affidavit with the IRS and have multiple agencies helping with the investigation. These banks are TOO BIG to MANAGE and they attacked the service industry victims. I would characterize XXXX XXXX and US BANK as XXXX, organized crime of UNITED STATES TREASURY FUNDS LOCK THEM UP I authorize you to investigate the FINANCIAL CRIMES on my behalf. My social security numbers is compromised. I will be requesting new Identity from the IRS Thank You for your help in recovering my losses and prosecuting the criminals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55122
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was sent a letter notifying me that US Bank had closed my credit card account after a thorough review. The letter indicates that Im in default under the terms of the CardMember Agreement. Per the default provisions, of the said CardMember Agreement, I am being accused of making false statements on account application or in the maintenance of my account, that my account is in danger of or being used for fraud, and Im not living up to my obligations under the said CardMember Agreement. I have had my card for awhile and Ive always made my payments on time. I have never been accused of crimes like fraud. Im an XXXX XXXX Retired XXXX Veteran. I take my responsibilities very seriously. Its a defamation of my character, and to be accused of being a criminal is sickening. While talking to Customer Service, I was berated and asked why I was making certain purchases. Im so disappointed with US Bank to question my integrity or flat out being a criminal. The letter sent to me didnt explain what I did wrong, but o have done nothing wrong. The Customer Authentication Department didnt have the courage to even sign the false statements in the letter. Very unprofessional and cowardly. By closing my account they have doubled the payment amount to XXXX. XXXX on a Veterans XXXX amount. I cant afford that amount XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: My claim start date began on XX/XX/2022, and I still have not received my card in the mail. My XXXX says I had received {$600.00} for last year, not sure how much I would be up to on the card by now, I receive about {$170.00} after taxes every week. I haven't contacted reemployme or usbankreliacard.com, I used the information provided to me that details information about the card/account, such as fees, card usage, replacements, etc. It looks like it says to contact cfpb.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
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: I have disputed the account 5 times. I have asked for a full file disclosure letter and never received XXXX. I have sent in proof that i am the one making the request to have the account removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: They never gave me an application or loan number but they would have it under my SS # XXXX. I applied for a HELOC with US Bank a little over 90 days ago. They ran my credit. I gave them all the documentation they requested. I had a specific representative assigned to me for my contact through the process. Her name was XXXX XXXX. XXXX XXXX XXXX Mortgage Customer Specialist XXXX | XXXX. I was told via email that my credit income were all verified and everything was ready to go. They then sent their Certification of Revokable Trust Form that had numerous questions on it that had to be notarized by myself and my wife as we have revokable trust. I also had sent them the " certification of trust '' document from my trust as well. I am attorney for over 30 years. I understand the questions very clearly on US Bank 's " Certification of trust form. I filled it out four times, had it notarized four times. Three times the review team stated it was filled out " incorrectly. '' On the third time I requested that they point out what was wrong or at least the item number they were looking at. I was told, since this is legal document they can't tell me. I found to small errors on the first two which were inconsequential and not material I have no idea what was wrong on the third or fourth. I reviewed them several times before sending them back. They were property notarized, dated and signed correctly. The problem is every time I submitted the Trust Doc to them it took them ten to 14 days to get back to me that it was " incorrect '' but would not tell me what was incorrect so I could correct the issue, which for the life of me could not see an error. I was just told, ten days later after the fourth attempt the review team says it is still " incorrect. '' but refuse to point out to them what is incorrect. They have now closed their filed denied the loan because it has " timed out '' over 90 days. The delay was caused by their delay, and REFUSAL to simply let me know what was incorrect or what item they were concerned about. Without telling me what they thought was " incorrect '' I can't fix it when everything is correct when I look at it. I gave them every document they asked for. I was approved and the trust document was the ONLY hangup but would not tell me what was " incorrect '' so the application timed out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I reached out to request a new card on XX/XX/XXXX and was told it would take 10 business days to receive a new card. I called 8 business days later because I still had not received it the agent I spoke with said to give it a few more days and I could receive it and if not to call back and they would issue a new one. I called after the 10th day and after having so much issues with agents and poor customer service I asked they cancel the account and send a check and the supervisor I spoke with said that in order for the account to be canceled I would have to spend all the money, so I continued to wait for this card. Days later I call to speak to a supervisor and am told that there are none available. Every time after this I call to speak to a supervisor and one is never available. I mentioned that I wanted a check and they they said they could but that a supervisor would have to approve it but that there are still none available and then today i speak to someone and they issue it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i did not apply for this card please Take this inquiry off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: There were some international unauthorized transactions to some illegal only gambling site out of XXXX or XXXX. I filed a dispute on XXXX with US Bank Relia Card . I was told provisional credits card be added once theyve received my dispute form. Ive sent it several times, however it finally showed in their system today. I was initially happy thinking finally those credits could be added but thats not the case. Today I was told that provisional credits could take up to 45 days. Thats not what I was initially told. In fact the EFT Act indicates that they need to be applied after 10 days if the institution is still investigating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The agent I spoke to in XX/XX/XXXX was XXXX XXXX on your service request number XXXX who told me in XX/XX/XXXX that if I made XXXX final payment, he would credit the other charges on my account because I had not set up or authorized US Bank to artificially keep accounts open that I have tried to close for XXXX years. XXXX told me if I made XXXX more payment of {$100.00}, which was posted on XX/XX/XXXX, he would credit all your other transactions that I did not make, set up, or authorize on all accounts I tried to close entirely in XX/XX/XXXX. Instead, on your side, without my authorization, you continued to make credits and debits on accounts I closed in XX/XX/XXXX. And US Bank failed to send me any of these transactions because you again failed to update the new XXXX address I gave you every time I spoke to your agents. US Bank closed checking account XXXX but did not credit it to the cash flow manager account number XXXX, which is accruing daily interest. I do not owe US Bank {$200.00}. US Bank needs to get those internal funds from the Silver Business Checking account XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A