Date Received: 2023-02-16
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: This situation began when I purchased concert tickets on XX/XX/XXXX using my U.S. Bank credit card ending in XXXX. I then paid the balance in full. XX/XX/XXXX - I filled for a charge back because I was working as a traveling front line health care worker and would not be in XXXX on the new date. I live in XXXX XX/XX/XXXX - The charge back was denied to me by U.S. Bank. XX/XX/XXXX - XXXX notified me by email that me concert was postponed until XX/XX/XXXX. XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. XX/XX/XXXX - XXXX notified me by email that my concert was CANCELLED and my REFUND WILL BE PROCESSED BACK TO MY ORIGINAL FORM OF PAYMENT. That card ( ending in XXXX ) had expired. I ordered a new credit card and was told that my refund would automatically post to my new card. ( I was told by XXXX more service reps on subsequent phone calls that my old card and new card would be linked. ) XX/XX/XXXX - I requested a refund from XXXX. XX/XX/XXXX - XXXX emailed me that my refund will be processed within XXXX days. XX/XX/XXXX - I entered the credit card number of my new U.S. Bank credit card on my XXXX account so they could process my refund on to the new card. XX/XX/XXXX - As requested by me XXXX processed my refund back to my expired credit card ending in XXXX on XX/XX/XXXX but when I called U.S. Bank they told me they could not process my payment. There have been MANY phone calls and emails to both XXXX and U S. Bank concerning this refund. I am told by XXXX that the refund has been processed on their end and it is U. S. Bank that has the issue. I am told U. S. Bank that they can not process my refund. I have told them on multiple occasions that I don't understand why my refund is not being returned to me. I am under extreme duress due to this and need help to resolve and get my money returned to me. I called US Bank on XX/XX/XXXX to let them know I'm want to fill a UDAAP claim and they said they didn't know what that was and they couldn't help me. I have sent many emails and made many phone calls and have left a lot out due to the extent of my documentation. I can give any info that is needed. Thank you, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: late XX/XX/2022 i had fradulant activity occor in reguards to my debit card. id chekced my mobil banking app around the 3rd or the 4th and noticed amounts of moneys being soent out of my account that i knew i didnt have there to begin with. as soon as i noticed this i made what i thought were the proper steps to handle the situation. i notifyed the bank of the moneys i did not have leaving my account, questioned how they got there to begin with ect ect. at that point my debit card was closed and turned off. i was told later that it was at that point that i was supposed to recieve another one. that didnt happen. in the mean time i moved to a new adress and wasnt aware that i had an additional piece of mailed paperwork to complete the closing of the debit card account and so as a result of that i can only assume is why i never recieved a new account of which to conduct my regular banking needs with. now, fast forward to XXXX : i get into a car accident. the car iw as driving gets totaled and was therin paid off in an amount of over {$6000.00}. upon finding out i was recieveing this large lumpsum of money i made the mistake of allowing it to be direct deposited into u.s. banks control. that said, i called us bank to recieve the checking and routing number for the only account that i knew i had. that account was the same account that was supposed to be closed. the banker on the phone mentioned nothing of this and was even asked on a recorded line by my self, " will this be ok to do even though about a month ago i had some fraudulent activity on my account ''. the lady i talked to on the recorded line said that it would be fine. XXXX weeks later after calling the bank numerous times to confirm werther or not the money was in my account, i finally got an ok that the money was indeed in my account. i went to the bank on north division to withdrawl it. the teller confirms my moneyu is in the account. i go to withdrawl some of said moneys in the amount of XXXX XXXX the teller does the wiothdrawl and hands me the XXXX within seconds thoubh he says that he had made a mistake and the machine had counted the wrong amount of money out and needed me to give him the money back so he could recount it and give me the correct ammount. like an XXXX i believed him and gave it to him. it was at this tinme that he told me my account had a hold and i was not able to withdral my money.. that was foul, unprofessional and i personally would like for that gentleman to be fired for said events. its all on camera. its all right there to be seen on their cameras. since that day i have talked to customer service on the debit card division, the checking account division, the fraud deptment on both ends, the bank closest to my house and also the bank in XXXX XXXX Washington to get my money and i have gotten nothing but the run around. the banker in XXXX XXXX where i opened my account even had the audacity to tell me that he didnt know when i would get my money, didnt care, and alsio that he didnt feel comfortable giving it to me or reopening my account. it has now been almost 5 months since this started and all i want is the money that is legaly mine. i dont want anything else from this financial institution except the money that was supposed to be for my car being totaled. i have not had a car since this event happened be cause of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99208
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been using US Bank ReliaCard Bill Pay for years. I have myself setup as a payee with my home address. In the past they have always issued a paper check that has been sent to my house. On XX/XX/XXXX, I logged into US Banks bill pay as normal and requested {$2000.00}. They deducted the money from my account but I never received the check. I called multiple times to see what happened to my money and tickets where opened. On XX/XX/XXXX, I requested another bill payment for {$2000.00} and the funds were automatically. On this same day, I called US Bank again to find out the status of my XX/XX/XXXX dispute. During this call the rep told me the funds were wired to an account so I would probably have the same issue with the XX/XX/XXXX request. Within 3-10 minutes of me submitting the request she sent a cancelation request. When I called again today they said they didn't process the cancellation in time and they deducted another {$2000.00} and wired it to somewhere I did not request. On one of my calls today, we discovered this may have happened to another bill pay request of {$2000.00} on XX/XX/XXXX. In summary, {$4000.00} for sure and possibly {$6000.00} were withdrawn from my account and not sent to me. They were wired to some account that is not mine. In summary, I had myself set up in as a payee in bill pay to receive a paper check when I needed to get money and instead of following the delivery method, they auto wired it to some account that I didn't set up. Thus far, I have been unable to get my money back into my account and I have no idea where the bank/bill pay partner deposited it. They need to get my money back from wherever they sent it and deposit it back in my account. There should have been no wire transfers. This has been an extreme hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97756
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: Managing an account
Subissue: Problem with renewal
Consumer Complaint: I had a 30 month cd with State Farm at 1.98 % beginning in XX/XX/XXXX that was maturing on XX/XX/XXXX. The account was sold to US Bank in XXXX. The letter fronm usBank on XX/XX/XXXX said your CD will be maturing on XX/XX/XXXX and if you wish to automatically renew your certificate no action is required. I had no reason to believe anything was changing on my CD. As of XX/XX/XXXX, today, i learned they renewed my certificate at .05 % interest. If i had not made call today, to USBank about proof of CD renewing i would never have found out that they had reduced my interest rate to almost nothing. I canceled my CD and had to pay a penalty of {$3200.00}. I was given no explanation of how legally they dropped my interest rate, other than that i should have asked for their " special rate ''. Not only have i not made ANY money in the last 8 months, but it cost me {$3200.00} to cancel my CD so i could move it somewhere for a higher rate. I have all the paperwork and names of relevant people involved for reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a secured credit card with US Bank. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called US Bank to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard credit check from US Bank on my credit report from XX/XX/23 that I did not authorize. It has impacted my credit score and I would like it removed from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
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: 2023-02-15
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was given a XXXX gift card from a relative, had had problems from the beginning trying to use the card. when I went to a store in XXXX it was declined, I had never used the card. called the company and there was a XXXX withdrawl to XXXX new york. I have never shopped at XXXX. I have called the credit card company 5 times and have faxed all the info they have wanted from me 4 times. Now they state after over a month that they can not read the info, the faxed cards number 's will never be seen on a fax due to the picture on it, I was asked to supply all info, receipt, my drivers license, copy of the card front and back, my address, phone, name etc. the credit card company is abcorp. issued by U.S. Bank National Association. I did not use his card. I was asked my code when I was unable to use the first time. I think am employee of the company used the card, it was used on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I can not get USBank to correctly update and remove a paid off account from my report on all 3 bureaus. I have requested they remove the account and their own processes do not allow this. I simply need it removed entirely and they refuse to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for mortgage assistance from the Maryland XXXX XXXX XXXX XXXX XXXX ) program back in XX/XX/2022. I have submitted all the documentation for the assistance by XX/XX/2022 and they are now waiting for US Bank to respond to the request. The Maryland XXXX has been repeatedly trying to contact US Bank but haven't received a response with the information needed to get me the assistance from Maryland XXXX. I have called my mortgage company and they keep telling me they haven't received anything. I need someone to contact them to make them send in the information so I can get back on track with my mortgage payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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: On XX/XX/XXXX, I placed an order with XXXX in the amount of {$170.00} which was not delivered. ( Order # XXXX ) XXXX tracking ( XXXX ) shows it was returned to the sender. XXXX did not notify me of the issue. The item was a XXXX gift and I did not become aware of the issue until XX/XX/XXXX. This FIRST order included a credit of {$21.00}. On XX/XX/XXXX I placed a SECOND order ( Order # XXXX ) for a similar item in the amount of {$170.00} so that my daughter could have her XXXX gift, and this item was delivered on XX/XX/XXXX. I contacted XXXX and asked for a refund for the first purchase. They also agreed to apply the previous credit TO THE SECOND ORDER. They immediately issued amount of the credit to the second purchase, XXXX ( XXXX plus CA sales tax ) because the original purchase had this discount. However, they said they would not issue the refund of {$170.00} until they completed an investigation with the shipper. XXXX at XXXX ADVISED ME TO DISPUTE THE CHARGE. The Performance Lead ( XXXX ) at XXXX documented these statements in an email which I provided to my credit card company with my other documentation. XXXX still has not refunded the full amount of the undelivered purchase because apparently they have no internal system of dealing with their errors. The credit card company ( Fidelity Investments through Elan Financial Services ) is taking XXXX 's word that the refund of {$21.00} was towards the FIRST order rather than the SECOND and will not refund the full amount. I am asking that I be made whole in my dealings with XXXX, a company which has not followed through on its commitments and has no internal processes to protect its customers from unnecessary grief and hardship due to their sloppy and incompetent performance. The FTC says the seller of an item which is not delivered must refund the payment to the buyer and deal with the shipper separately. XXXX is in violation of this law. I provided Elan Financial Services with FULL DOCUMENTATION on this matter, including email, purchase receipts, and tracking information, and they still have not issued a complete temporary credit to my account while they wait for XXXX to approve the credit. I am asking that Elan Financial Services properly apply the {$21.00} credit to the SECOND Vitamix charge and refund the ENTIRE {$170.00} for the UNDELIVERED FIRST PURCHASE. I paid for a replacement gift for my daughter because of the XXXX holiday. Otherwise, I would have waited to work out the details with XXXX over the phone before placing a second order. No one answered the phone at XXXX when I decided to place the order in the hope that the item would arrive while we were still visiting with my daughter. Needless to say, it took XXXX weeks for delivery, so all was in vain. Just because the XXXX order was never delivered does not erase that credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A