Date Received: 2023-02-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I experienced fraud transactions on my acct with us bank, several were credited back but others werent. I expressed to US Bank I didnt authorize the transactions because I have been dealing with a an illness thats required me to have treatment and at times Ive spent multiple days in the hospital. On XX/XX/22 a rep called me asking for me to send my medical paperwork to them if not they would reverse provisional credit. I informed her that it would take me more time and she said I needed to do it by end of day Ive been sick, my XXXX causes me to exp weakness multiple days of throwing up and Ive been in and out of hospital. I dont understand why US bank is asking me for my medical docs as my doc stated its a HIPPA violation, I expressed this multiple times to them and no resolution and I havent received my funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is now the 4th Complaint in a series of complaints hoping to resolve this matter that is over 100 days old. Please see the prior complaints : XXXX XXXX XXXX According to the USBank response to complaint XXXX, I had not sent the Affidavit of Unauthorized Paper Debit form, that the bank requested that I prepare and submit. I submitted it on XX/XX/2023 and then again today ( XX/XX/2023 ), to the email address provided : XXXX I continue to get zero satisfaction with these complaints and only responses indicating " We appreciate that you have chosen us as you banking partner... blah, blah, blah ''. I want my over payment addressed timely and thoroughly. I do not believe that to be an unreasonable request. Either I am being given the run around or this is truly one of the most incompetent organizations or at least complaints processes ever. I challenge USBank to do better. I am starting to think that I need to elevate this concern to the OCC and of FRB, and if that is not enough, getting a lawyer and initiate legal proceedings to address this matter. I have wasted so much time trying to resolve this issue ( phone calls, visit to the bank, and now filing these complaints ), but it is now the principle of the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received promotional checks that could be written of of my existing credit line at U.S. Bank. They stated that using the checks would include a 0 % APR through my XX/XX/2023 billing cycle and could be written for an amount up to the amount of credit available on my card. I wrote two of these checks believing I understood the terms, only to find out that each of the checks incurred a 4 % fee. I had since shredded the last of the three checks so I accessed U.S. Bank 's site to see what I could find about the fees and in much smaller, legalese-type text it includes a note that refers me to Interest and Fee Information disclosures. I do not believe this was unfairly represented in the checks that I received in the mail. I feel the marketing of this promotion is deceptive and led me to believe that the only " fee '' I would be charged is standard interest if I were not to pay off the balance before the XX/XX/2023 billing cycle. It feels abusive to not be reasonably presented all information or the opportunity to access it without incurring extra time-cost and navigation to an area that wasn't clearly presented. I contacted U.S. Bank on XXXX and lodged a complaint under UDAAP principles and they stated it would be delivered to their marketing team and other " higher ups. '' Obviously, I don't know exactly what that entails but I'm hoping they see it and correct their marketing materials. I feel that these fees should be reversed in full and that their marketing materials should more clearly state that fees are applicable and detail what they are without requiring me ( the consumer ) to have a law degree to get there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: The inspection was by XXXX, Inspection ID XXXX on XX/XX/XXXX Car was XXXX XXXX XXXX XXXX XXXX XXXX Held by XXXX XXXX out of NY XXXX ( USB ) Charge for total windshield replacement at end of lease due to stone ding of 1/8 inch by 1/8 inch with picture on web -- but reading 1 x 0.5 inch cracked which is not true. The stone ding is verified by the photo and there is no visible crack. Charge for replacement of windshield is {$460.00}. This can be easily fixed with windshield resin. This is very inexpensive. I called XXXX on XXXX to tell them I disagree with the measurement and disagree with the remedy of the problem. They said the power belongs to them and I have no rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened up a US Bank checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$3000.00} or more into the account within 60 days. On XX/XX/XXXX, I made XXXX direct deposits for a total of {$3000.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account. Also, my account was charged a {$2.00} fee for receiving my monthly statement which was also unclear to me upon signup.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I opened a Smartly Checking account online with US Bank. I need a new bank as I was closing the account at my old bank. Direct deposit was set up, I went into the closest branch and was assisted in ordering checks and my debit card as well as was given a temporary debit card. The next week my direct deposit went into the account and I assumed everything was business a usual. On XX/XX/XXXX, my debit card stopped working. Each time I tried to use it, it would say declined. I had money in the bank, but no access to it. I contacted US bank and had no luck finding anything out and was told to contact XXXX XXXX for information. After getting no response from XXXX XXXX, I contacted US bank again on XXXX and after being transferred numerous times, I was finally transferred to a kind helpful lady who found out there was a couple of holds on my account and it was set to be closed. I had received no notice or anything about this. The way I found out is when my card quit working. Not a good way to do business. On XX/XX/XXXX, my account was closed and the branch XXXX of the closest branch opened a new account for me. Knowing my direct deposit was coming through the morning of XX/XX/XXXX, she put it a re-route for it to go into the new account and told me that it would be XXXX hours to get it. Then on XX/XX/XXXX, the fraud department XXXX access to my online account with no notice or reason. This would be another XXXX hours before I can see my account. Us Bank is also stating that they have no knowledge of my direct deposit being re-routed either. My company says it has not returned as of yet, so Im out of luck! Knowing my deposit was coming in, US BankXXXX XXXX XXXX XXXX until Friday to close the account, they had to close it Thursday. I called trying to find out if they could tell me when it would drop because I have no access to any money since this new account has been opened and they dont even see my money. At this point, I feel like US Bank has stolen my funds since they have XXXX my access to see anything either. I shouldve been notified in both instances and was not. This has been a complete inconvenience and frustration due to me having been without money, unable to provide for my household or put gas in my vehicle. I called back this evening and spoke to another customer service representative who said he did not see any direct deposit, but we can hope it will show up Monday night to be deposited Tuesday morning. He also said I can contact online services on Monday if my account is still XXXX. If a department is going to disable an account on a Friday, there should be a representative who can speak to you over the weekend to get it resolved. I feel like US Bank has failed me and has no desire to resolve this issue as they keep telling me there is no one I can talk to until Monday and when I asked for a XXXX, I was told they could not take the call but would contact me XXXX did not happen either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I ordered a canner / pressure-cooker from " XXXX XXXX '' at XXXXXXXX on XX/XX/XXXX for {$510.00} total because it had a nice website and looked legit. They said online checkout wasn't working in their " chat help '' and said they would call me to take the order - would then send the invoice to my email and I would pay be XXXX using credit card. I was told the sooner I paid, the order would clear for delivery within 24 hours and I would receive tracking details. I was in a hurry for XXXX so paid quickly by invoice with credit card branded by XXXX XXXX but issued by Elan Financial Services. By early XXXX I hadn't heard anything and was worried - " XXXX XXXX '' wasn't answering the phone number I had originally made contact with them by ( XXXX ) and wouldn't provide shipping details. I looked into them on internet and saw reviews saying they are a scam. I called " XXXX XXXX '' and left a voicemail to cancel the transaction. I saw they had billed my credit card so I called Elan Financial Services cardmember services on XX/XX/XXXX and informed them. They said charge would be reversed and they would " investigate. '' They took down the information I provided them regarding the lack of shipping details and correspondence from XXXX XXXX. The initial charge on my credit card was reversed. However, on XX/XX/XXXX I saw XXXX had recharged me for the initial charge ( {$510.00} ) and there were 2 more identical charges each of {$510.00} - so now there was {$1500.00} worth of charges for this on my credit card. I called Elan Financial Services Cardmember Services - spoke with representative who again took all of the information down that I told him about the case and evidence of fraud. He said " the case is closed because it has been 30 days, '' that they had finished their investigation and went ahead and re-charged me for the initial charge and the 2 additional charges. I protested and he said he would request the " case be reopened '' so they could investigate further. The representative said Elan Financial Services had sent a paper form in the mail for me to fill out in the case. I informed him I had not received the form he said they sent. He advised me to get a new credit card number / card. The representative then attempted to contact the " XXXX XXXX '' merchant at the number he had for them ( XXXX ) and they did not answer. He also agreed this seemed like a scam. I called that number as well and left a voicemail again to cancel the transaction. By XX/XX/XXXX I saw the charges remained on my account. I called Elan Financial cardmember services. They informed me again that the case was " closed '' but they would put in a request for the case to be " re-opened. '' I requested a call-back by the " case specialist '' who was supposed to be " investigating. '' They said the case specialist would call me back within " 24-48 hours. '' I called Elan back on XX/XX/XXXX after waiting over 48 hours without callback. They said there was no request for a callback or for the case to be reopened. I asked to speak with the case specialist 's supervisor- they said they would have the case specialist 's supervisor call me back within 2 business days. At the last minute, 2 business days later ( XX/XX/XXXX ) my phone got a call from an North Dakota area code ( XXXX ). I answered the phone and repeatedly said " hello '' - no one answered but the line didn't hang up. I repeatedly said I couldn't hear anything and to call back. After about XXXX seconds the line hung up. No voicemail was left. After several minutes I called the number- it said " this is a caller identification # for office that houses US Bank and Elan Financial Services. You can't reach a person at this # - refer to a voicemail for a valid callback #. '' However, they hadn't left a voicemail. I then called Elan Cardmember Services and told them what happened. They said the " case processor '' had questions but said I didn't answer the phone. The cardmember representative then asked me the two questions which I answered ( 1. were charges supposed to be recurring, and 2. do you still want to cancel the transaction. ) I let her know they were not recurring and of course I want the transaction cancelled and had tried to do so repeatedly. I then asked for a transcript of our conversation- she said they couldn't give me a transcript or " release that information to me. '' She also didn't have a reason for why the " case processor '' hadn't left a voicemail to speak with me or call back again if they were having difficulty. Now, I have received mail from Elan Financial Services with a letter dated XX/XX/XXXX and post-marked XX/XX/XXXX that has enclosed forms they want me to fill out that are back-dated XX/XX/XXXX and XX/XX/XXXX instead of properly dated as to when they sent them to me. In the meantime, I sent a certified letter by USPS to Elan Financial Services dated XX/XX/XXXX and post-marked on XX/XX/XXXX and delivered XX/XX/XXXX that disputes the charges and provided the original order email received and invoice from Delight Furniture. This is the worst kind of treatment by a credit card company towards those who are supposed to be their " customers. '' Instead, at every turn, Elan Financial Services has gone out of their way to make this process difficult for the consumer. They have done very little to " investigate '' the dispute. They have put a great burden on the consumer to communicate with them and will not provide transcripts or records to the consumer to help them in the process. Elan Financial Services appears to have a vested interest in not letting the consumer know what they are, ( or are not ) doing to " investigate '' or to allow them access to information they need to move the process forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased my home in XXXX. After my divorce, I eventually fell behind. I filed chapter XXXX in XXXX. Then I was furloughed from my job when XXXX hit. When I was again gainfully employed as a XXXX XXXX, I discovered that little other than lawyer fees were being consistantly paid by the trustee. I let my chapter XXXX dismiss in XXXX and signed an agreement with US Bank to rework my mortgage. I have been paying my mortgage in full and on time since then, but the account still shows as inactive, which is affecting my XXXX XXXX. A representative told me that once a bankruptcy has been filed, regardless of what happens afterward, US Bank no longer reports to the bureaus. I will soon be closing on this house and paying it off, and I want that and the last XXXX months or so of an account in good standing to reflect on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX filed a complaint in foreclosure stating they are US Bank National attorneys and not acting as debt collectors. I never received anything not did i send them written consent to contact. I sent XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, request for proof of Authority that they were hired by US Bank National Board of directors and they ignored my request. XXXX XXXX XXXX in collusion with XXXX XXXX XXXX XXXX XXXX agents entered the Foreclosure Complaint and opened up a XXXX XXXX Common Pleas account to collect a debt without prior written consent to contact using private information I did not provide them nor did I approve anyone to provide them. Neither XXXX XXXX XXXX agents nor the XXXX XXXX XXXX XXXX XXXX have entered on the record a prior judgement from a court of competent jurisdiction or prior written consent. Though I did not receive first communication about a debt the post master stamped XXXX on 4 certified return receipt mailings and pulled off the XXXX XXXX pretending to be agent and having representative capacity. The US postal Service does not have POA over myself and committed Federal Crimes. I have reported the Federal Crimes to the XXXX XXXX Clerk as well as to the US post office but neither have done anything to correct the matter. The request for proof of authority to the Debt Collectors misrepresenting as US Bank attorneys was a Judicial Notice sent to everyone involved. That Judicial notice was entered as an answer to the Foreclosure Complaint rather than a Judicial notice of Intent to Sue and Attorney No Authority. It was in no way an answer and explicitly was titled Judicial notice. The XXXX XXXX XXXX XXXX XXXX XXXX will not correct the record. Once the Judicial notice that included Intent to Sue and a Cease and desist was entered as an answer to the complaint in foreclosure all other communications between the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX debt collectors was sent to the XXXX XXXX XXXX XXXX XXXX XXXX. I have verification that the XXXX XXXX Treasurer was also sending mail addressed to XXXX XXXX XXXX to the Sheriff 's address and it was never returned to sender. The XXXX XXXX XXXX XXXX XXXX XXXX does not have a power of Attorney or agent representative capacity to receive mail addressed to XXXX XXXX XXXX. I have tried to correct this matter sever times and not even the Commissioner will respond. My house was allegedly sold at Sheriff auction with full knowledge of all the abuse of process and I and my daughter and pets are in danger of being forcibly removed from my home. XXXX XXXX XXXX debt Collectors published a ss # on public record and opened up several accounts pretending to be me requesting information form the Dept of Defence and a Title Company. Again i did not give them POA or prior written consent to do anything on my behalf. This is an emergent matter I have evidence of everything stated and am willing to aver in open court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: That card was opened up in my name without my consent. This card is an unauthorized card and was opened up as fraud in my name and personal information. I been trying to get this resolved for years now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A