Date Received: 2023-02-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for secured credit card with U.S.Bank and they withdrew {$300.00} for the deposit despite not approving me for the card. Countless calls and hours on phone with a plethora of small time crooks that make up there customer service have netted zero results. Every person i spoke to gave me multiple fabricated stories, the most recent being that they sent back my money on the XXXX of XXXX and that it must be XXXX that is refusing to credit it back to my account. I was 99 % sure that was a lie when i heard it but went ahead and confirmed with XXXX that that was a lie, they confirmed. We both know they'll never be punished or even forced to stop attempting to defraud potential customers, I just want & need my {$300.00} back, its been weeks already, no ach transfer takes this long. And of course they refuse to provide any email confirmation of any conversations as well as no email i can contact them with
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I write to demand that US Bank investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close EX PARTE investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that US Bank was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about US Bank reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, US Bank summarily closed my second complaint EX PARTE to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, US Bank mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as OPEN on XX/XX/2023. The truth matters!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: Purchased pre-paid XXXX XXXX from XXXX XXXX on XX/XX/2023. Called number on back of card to activate ( XXXX ), system put me into a call with customer service representative who told me the card could not be activated due to being compromised. Was advised to go to XXXX XXXXo file/upload documents supporting the purchase of card ( Drivers license, front of card, back of card, reciept of purchase and activation status receipt ) Documents were uploaded. Waited 7 days before calling back to check on status of replacement card. Was told no documents had been received. Was advised to fax documents to them ( XXXX ). Waited 7 days before calling back, was told fax had been received, but documents, specifically Drivers License was unreadable and told to enlarge document and upload through their website. Documents would not upload. Called back ( now, XXXX XXXX, 2023 ) and was told to fax documents again and that a case number had been created to reflect issue on uploading documents to their web site ( case # XXXX ) I asked and was denied to speak to a supervisor on all calls. Customer Service Reps all spoke barely understandable English and I was disconnected/hung up on several times. I've had it. I want my money back and ideally the money it cost me to send faxes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have my mortgage through U.S. Bank. I am a victim of Hurricane Ida. U.S. Bank is refusing to release the money from my insurance company that I need in order to make repairs on my home. To date, they have only released approximately {$40000.00} and are refusing to release the remaining {$28000.00} - I have over {$300000.00} in damages. They have intentionally misdated letters I sent to them to avoid violating their own deadlines. I have sent them numerous invoices and proof of payments they requested ; each time they mark them as inactive to pretend they haven't received them. Each and every time I call, they allege that they have received no documentation that this is a partial settlement ; my attorney has sent them the same paperwork requested on three separate occasions now. On XX/XX/XXXX, I was finally introduced to their portal, and was told to upload all of my documentation along with a letter requesting the release of remaining funds. I immediately did as instructed ; they marked the letter as inactive. I resent the request on XX/XX/XXXX ; they moved the received date to XX/XX/XXXX, acknowledged it was a letter requesting the release of funds, then moved it to inactive. I resubmitted the same letter again on XX/XX/XXXX ; again it was moved to the following day. When I called, I was told that they have two business days to make a decision. I called and they told me they hadn't received the results of the VIRTUAL INSPECTION they performed on my roof- the one where I walked around on the ground around the perimeter of my home while they snapped pictures- so they couldn't release the funds. I called the next day and was told they would escalate it to a Supervisor. I called again on XX/XX/XXXX and requested to speak to a Supervisor ; they put me on hold for over an hour and refused to allow me to speak with someone. Every time I call, they make up some new excuse as to why they continue to hold onto my money that they're accruing interest on. Their failure to release the remainder of funds is causing additional damage to my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing due to some very frustrating issues I am having at the US Bank XXXX XXXX office with multiple staff members. in XXXX I opened a business bank act online, and deposited XXXX XX/XX/XXXX ) in the branch a week or XXXX later, the same day I received a forwarded message that my account had been closed in the mail ( it was dated XX/XX/XXXX ). I called in and customer support said to disregard the message as it was likely an error as I had waited a week to deposit the cash. I told them on the phone I had a registered agent. ) I was hoping to be able to use the Promo code for XXXX that was going on in XXXX. in XXXX I received more messages that my account was closed and they had sent a check written out to " XXXX '' to XXXX XXXX ( where my registered agent it ). I have called for customer support maybe XXXX times and each time they dont know or cant help me. I then went in to the branch and first saw XXXX XXXX, who told me it was an address issue so I provided an address in colorado, which she at the time told me, she " had changed the address and submitted the reversal of the account closure '' this was never done, the next week I got a message saying my account was reopened then closed the same day. I went into the branch and XXXX then told me, " I never told you I changed your address and never submitted the closure reveral application '' I was disgusted as her attitude towards me as I was just in there to figure out why I couldnt get the account going. she told me she couldnt help me for over an hour and no one in the branch was able to help. When I called into customer service they told me that they couldnt do this over the phone, but that the branch could help me. Frustrated with my experience but wanting to get this sorted out I made an appointment with XXXX XXXX, for the next day. when I was in he told me there was no way to fix the issue w the address and reopen the act. I asked to get the check issue sorted as I can not cash a check made to my business without my business having an act. It was also sent to NM - I am also unable to get a hard copy of it without paying for mail forwarding. He told me in person that he would " submit paperwork to get the old check voided, and mail it out via overnight serivice the next day. '' this was a week ago and this was a blatant lie. I just called in to speak with the branch manager and this is also a different story than what I was told now over a week ago. I am absolutely disgusted with the lies and gaslighting that the staff here has done. They have completely wasted my time, while holding XXXX away from me for nearly XXXX months, while I am unable to make business purchases that I need to make to make money. I'm super frustrated. I've never experienced this horrible customer service from a bank before. Ive in the past been a victim of coercive control and to have not XXXX but XXXX bank employees lie to me that they did a task and then didnt, while also pretending that they knew anything to help me- is traumatic and disgusting. I was always upfront about having a registered agent so if this was an issue- it should have been addressed before I even went to put XXXX into the account. I have now gone into the branch XXXX times, and now have to go in in person yet again, wasting another hour of my time and even more gas. -Ive probably spent over 20 hours of my working time just dealing with this XXXX, as well as wasted gas driving to a branch that then lies to me, or doesnt know what to actually do to sort out the issue I'm not really sure what you can do but I wanted to let you know this kind of behaviour is going on at the branch. They have XXXX respect for people 's time and money and I'd like to see some kind of disciplinary action, as well as my time and interest covered of the XXXX. I'd also like the XXXX back as soon as possible. I was upfront about my business having a registered agent so it would be appropriate for your staff to be educated on how you as a bank can work with these llcs, or to have them trained so people aren't wasting time trying to open accounts that will never be opened. I have still not received my XXXX dollars back and they have had my money now for XXXX months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80203
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is NOT a duplicate complaint to previous one filed.- XXXX US Bank has NOT paid the fine authorized by CFPB for {$37.00} XXXX or the fine for opening unauthorized accounts in XX/XX/XXXX : XXXX XXXX XXXXXXXX US Bank has NOT paid the fine authorized by Southern District of New York fines that were supposed to be paid in XXXX two years after the lawsuit in XXXX for {$520.00} XXXX : XXXX XXXX XXXXXXXX US Bank opened several unauthorized accounts and money transfers in XXXX. 1 ) Unauthorized opening of guardian account for XXXX XXXX by XXXX XXXX without a guardianship award by a court of law 2 ) Unauthorized transfers of XXXX XXXX 's money, over {$10.00} XXXX, from Oregon US Bank accounts into XXXX XXXX 's online US Bank accounts in Florida and monthly guardian account transfers 3 ) Unauthorized changes of US Bank IRA beneficiaries on XXXX XXXX 's accounts by XXXX XXXX enabled by US Bank 4 ) US Bank Non-compliance with subpoena in XXXX 5 ) US Bank is responsible for money laundering and BSA violations of stolen money from XXXX XXXX 's accounts US Bancorp refused to pay the {$37.00} penalty levied by CFPB or the Southern District of New York penalty of {$520.00} XXXX for these violations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
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: US bank Claim # XXXX I had contacted US bank on XX/XX/XXXX at around XXXX and spent 45 mins explaining the dispute situation wherein I was disputing the charge from XXXX for {$390.00} out of which I was disputing only {$190.00} which is half the amount. Originally I had purchased two pairs of XXXX XXXX from this merchant {$190.00} each which totaled to {$390.00} for 2 pairs. I received only 1 pair so I called XXXX and they refunded me for one pair that was missing and that was {$190.00} and then 1 day after I tried to return the second pair which I had actually received but I couldn't as XXXX deactivated my online account and told me that they wouldn't activate it so if I wanted the money back the only way to do that was to dispute the remaining {$190.00} with my bank and I explained this entire situation to " XXXX '' who claimed to be the manager at the US bank card member services and he assured me that there won't be any mishaps. I spent 45 mins on the call, but guess what US bank closed my dispute saying that XXXX already gave you a refund of {$190.00}. Are you seriously XXXX? Neither XXXX nor the adjustor are fit to be in the job they are. Has the adjustor even looked at this properly before closing this out and when I called back on XX/XX/XXXX at XXXX EST the lady I spoke to dint even care. I told her I will go to CFBP and she said go ahead. This is ridiculous. Her name was XXXX. US bank has the worst customer care agents and is the toughest bank to deal with. I had clearly mentioned that I am disputing the other half which is {$190.00}. Claim # XXXX I need my {$190.00} back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03051
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Over the last XXXX years, I have experienced an extremely large amount of funds being debited to my account as " over draft fees ''. When going over statements, it is clear that the overdraft fees were most often taken prior to the actual transaction was to post and clear. This activity has been going on for years. I have complained to the bank on numerous occasions with the results continuing even thru this last week where XXXX charges totaling {$170.00} were withdrawn from my account. It is my belief that US Bank uses this form of theft in their normal business practices and would like to see it stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95965
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased a home in XXXX, XXXX. There were XXXX separate accounts with HUD holding a small mortgage in the approximate amount of {$5900.00}. The HUD account was paid to US Bank Home Mortgage in XXXX and I received a " satisfaction of mortgage '' on the HUD account. In XXXX, I paid off the other mortgage and again received a " satisfaction of mortgage ''. In approximately XXXX, XXXX, I received a notice from HUD that the full amount was due and payable since I had paid off my mortgage. Subsequently, a lien was placed on my home. I contacted US Bank Home Mortgage and was advised that they have no record of either account. I have my records and both account numbers should you need them. Your assistance is most appreciated regarding this issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a prepaid visa gift card from XXXX before XXXX in XXXX of XXXX. I put {$200.00} on it to spend for XXXX. I registered the card at XXXX with my name and address. I spent {$63.00} online. When I went to make another purchase it wouldn't work. I saw that someone went in and hacked into my card account and re-registered it in their name. They spend the rest of my {$130.00} at XXXX and XXXX XXXX in XXXX. They re-registered the card in the name " XXXX. '' I have called this company at XXXX 5 times and they give me the runaround about the theft. The last time I called on XX/XX/XXXX at XXXX a customer service person by the name of XXXX helped me ( and my brother who had {$130.00} stolen by a hacker ) fill out a dispute form over the phone. She told me to call back in 5 days to find out the results of their investigation. I called again on XX/XX/XXXX at XXXX : XXXX and another person named XXXX said it would take up to 90 days for the investigation to be complete. She said they would then send me a letter to my address to inform me about the results. I asked to speak to a supervisor and she said there wasn't one and he would say the same thing. I told them the money was stolen within days of me purchasing the card and they can see on their end that someone re-registered the card in their name after I registered it in my name. I have the card and the person who didn't have the card was able to get in and re-register the card. This is frustrating because they won't refund the stolen money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A