Date Received: 2023-02-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: USBank presented me a cash back offer, which appealed to me. I applied for the card and received it late in XXXX. I did not use it until XXXX. At the time I received the card, or shortly after, in the very last week of XXXX, USBank asked me to name my preferred cash back options, and I did so. I stopped using my previous card and began using my new USBank card for the transactions that fit my options. When I received my statement, i saw that my cash back amount was less than promised. I made several calls and other contracts to USBank, all of which were deflected with no assistance. Finally, I received a call back from XXXX XXXX She gave me the flimsiest imaginable excuse. She said, because I chose my options in Quarter 4 of XXXX, they only counted for Quarter 4, and as of Quarter 1 of XXXX, I no longer had any chosen options. Seriously? I made a first-time selection before any purchases on a new card, and a few days later USBank pretends XXXX have not made any selections at all?. No doubt there is some fine print somewhere that renders this deception legal, but it is unfair and misleading. One wonders why a bank would make promotional offers, then drive customers away with petty tricks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, In XX/XX/XXXX I received an XXXX XXXX XXXX. In XX/XX/XXXX I did not receive an XXXX XXXX XXXX. In XX/XX/XXXX I received an XXXX XXXX XXXX. On the XX/XX/XXXX XXXX XXXX, it showed that there was an overage of XXXX. The letter said I was going to receive a check for the overage. After several months and a couple of calls US Bank said they would look into it. Never received a letter of explanation or check for the overage. I forgot about it and assumed it was still in XXXX. On the XX/XX/XXXX Escrow Statement, ( I did not receive a Statement for XX/XX/XXXX ), and thru email I received a video that I owed XXXX for a shortage in Escrow. I called US Bank and talked to XXXX ID XXXX, XXXX ID XXXX, and XXXX ID XXXX in customer service, then also to a XXXX in the XXXX Department who said we don't give out ID numbers. All of them repeated what the letter XXXX said, and I asked to talk to the tax department to see if they paid the property tax. When I talked to XXXX ID XXXX after I found the XX/XX/XXXX statement and she looked it up to verify that it said I had the XXXX in Escrow and that I never got a check, she then escalated to some department and said she will call me back on the XXXX of XXXX. I ask to see if they would mail me something and she said no, it has to be handled over the phone. None of the promises to call back have occurred. It is now XX/XX/XXXX and the countdown to change and charge me an additional XXXX happens in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for a US bank credit card. Whenever the bill was due, it tried to take a payment from an old linked bank account that was no longer open. Apparently, the bank made an error and instead of doing a stop payment on this, they allowed it to go through and then returned it. As a matter of fact, they sent me an apology letter and a check in the mail for like {$20.00} to cover any fees the issue may have caused. While I didn't incur any fees, I did lose my us bank credit card account because they shut me down for this. This is very upsetting for multiple reasons. Firstly, I loved the card and its offerings. Secondly, it doesn't look good on my credit to have a card closed by the issuer. And lastly, I didn't get any of my rewards. Despite meeting the spend requirement for the sign up bonus well before my account was closed and being promised an additional statement credit because one of the call center representatives lied and provided me false information so the manager said he'd apply a statement credit to my account as a customer service gesture. I ended up not receiving any of my rewards or credits and when my account was closed, I was forced to pay the balance in full. I believe they should've, at minimum, honored the statement credits since I legitimately qualified for it and deducted the amount from my final pay off amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Fraudulent transactions on XXXX and US bank credit card. Change mailing address on XXXX credit report. Applied fraudulent applications at XXXX XXXX credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ref. : US Bank Checking Account XXXX. XXXX I opened this checking account with US Bank in response to a promotion that if I bring {$5000.00} or more to this account and keep it for 3 months or more, I get a {$400.00} promotion. I did, but they did not honor the promotion and never gave me the {$400.00} credit. I called them after the three months period and they told me that I have earned the {$400.00}, but it will take 2 to 3 months to deposit the promotion. Now, it is more than 4 months after that call and the promotion has not been honored. I called them today to inquire about the promotion, and after keeping me on hold for half an hour saying they were researching the matter, the XXXX hung up the phone on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2022 I made an attempt to withdraw {$60.00} cash from a XXXXXXXX XXXX ATM machine. I accepted the XXXX fee and waited for about one minute. Nothing came out. I took my card out and tried again and then I was declined. I checked my XXXX card and it showed a - {$60.00} and a - {$2.00} fee. I called The number on the ATM machine ATM XXXX in XXXX I was advised to call the card issuer ( US Bank ReliaCard ). After 4 separate phone conversations the claim was filed. I called immediately after transaction. I called usbank ReliaCard to follow up on XX/XX/XXXX I was told I would receive a call back. That never happened. The claim was mishandled XXXX separate times each time I was told it would take up to 45 days. I spent many days and countless hours on the phone. Much of the time was on hold waiting for help. Finally on XX/XX/XXXX I was told I would get a provisional credit within 10 days I did not get provisional XXXX. On XX/XX/XXXX I started my calls every day in the morning and was never were answered. The hold lines would be over an hour and finally I would give up. Id try again the next day to no avail. Finally on XX/XX/XXXX. I reached a person she told me that the claim had been resolved and declined. She said that happened on XX/XX/XXXX XXXX received no such letter. She said the XXXX showed nothing went wrong and advise me to call XXXX which I did and they advised me to go back to ReliaCard US Bank. I was also told they would not reopen my claim, unless there was a new information. The whole thing is just a waste of time, but its a matter of principal, I did not get my money from this machine and Im very irate. I got the run around. All the time that I spent on this claim for XXXX and they cant seem to find an error. Please help me. Today, I changed my direct deposit to go into my regular banking account. If this incident happed on my regular banking account, I would not have this problem. ReliaCard is very unreliable and hard to reach this very messy business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a CD which was maturing on XX/XX/XXXX. The grace period for this XXXX was ten calendar days after maturity or XX/XX/XXXX. On XX/XX/XXXX, I called US Bank at XXXX which is their XXXX XXXX XXXX and spoke to XXXX in that group. I explained to XXXX that I received a flyer in the mail from US Bank which advertised a special CD rate of 4.10 % APY for 17 months. XXXX told me that he would take care of moving my CD into this new special rate CD at 4.10 % APY for 17 months. He said that I would receive confirmation of this in the mail. When I did not receive anything in the mail, I checked online only to find out that my CD was never transferred out of its original rate of .05 % APY for 24 months. I have since called US Bank on three separate occasions, and have gotten assurances from them that this would be taken care of and I would get a phone call back from them. It was never taken care of, and no one ever called me back. On XX/XX/XXXX, I spoke to XXXX, who said someone would get back to me. On XX/XX/XXXX, I spoke to XXXX, who transferred me to a manager named XXXX. I was told that the Customer Care Unit was working on this and would resolve it and get back to me in 2-3 days. On XX/XX/XXXX I spoke to XXXX who told me that XXXX was working on this with XXXX and the number for this file/issue was XXXX. XXXX transferred me to XXXX and I got her voicemail and left a message. As of today, I have not received any satisfactory resolution, nor has anyone from US Bank ever called me back. This is unacceptable and extremely poor customer service. I am also losing a considerable amount of money due to the bank 's error, as my CD is still in a 24 month .05 % term and rate instead of the 17 month 4.10 % term and rate which I was promised by the Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I had a merchant account with Elavon Inc, my account was closed unexpectedly and without warning, leaving my company unable to pay for services and my employee 's salaries. There was no warning or evident reason for Elavon to freeze and then close my account. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, was very unattentive to my needs and rather cold, I didn't even receive a phone call from her explaining why my account was locked and subsequently closed, even though she said she would call me about the resolution. Elavon has failed to provide a resolution and they seem to not care to resolve this issue with me. Also, Elavon withdrew prior deposits from my bank account leaving me in a serious debt, when my customers have paid and received their services, but my payment ended being stolen by Elavon. They say they will hold my monies for 120 days in an impersonal template email I received from their automated system, There is no reason to hold my funds and I want them NOW! Elavon , Inc has stolen {$5200.00} from me and I want it back immediately, there is no lawful reason for them to have withdrawn money from my bank account and to withhold my {$5200.00}. They can not provide a reason for them keeping my money, my customers paid for their services and received them and I'm the one that doesn't get paid, plus my employees have to go without their pay?! This is unnaceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: US Bank, Ohio. Received 1099-INT Saturday for {$500.00} on XX/XX/XXXX. After researching my checking account for all of XXXX, the only item this could be referring to is for : XX/XX/XXXX shows + {$500.00} credit " Adjusted Interest ''. This should have been " XXXX payment received '' as I sent money to myself from other banks to pay my own USBank credit card. USBANK did not give me a free {$500.00} - this is an error. In fact, I do not have any interest bearing accounts at all with USBANK ; I have 1 credit card and a non-interest bearing checking account. I did the numbers - I'd have had to have {>= $1,000,000} at .05 interest for a year to earn {$500.00} interest. ( I don't have nor have I ever had that kind of money ). Called Saturday XX/XX/XXXX XXXXXXXX XXXX to USBANK - spoke for 45 min, was told I'd get a call back later Saturday. No calls Saturday or Sunday. Called USBANK again XXXX on Monday XX/XX/XXXX XXXX XXXX Spoke to XXXX- she submitted a form to get an interest amount corrected. XXXX called back 2-3 days later and told me to call back in for a 3rd time in XXXX ; nothing could be done until after XX/XX/XXXX and all the 1099s have gone out. Pretty silly they can not fix a simple error after 2 long phone calls. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: US Bank XXXX XXXX XXXX new checking and savings account for direct deposit from XXXX XXXX XXXX XXXX. {$5200.00} deposited XX/XX/XXXX. {$5000.00} cashiers check for rental deposit and XXXX rent was withdrawn and given to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX pm Deposit account ending in XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX am Withdrawal account ending in XXXX US Bank {$5000.00} " XXXX '' of the E-fraud department just shut my account and it not available to talk to me. XXXX XXXX will or can not give me any information about why my account was just suddenly shut down!!! My wife and I have been cyber and physically stalked by criminal synthetic identity ring for the last XXXX years egregiously. XXXX " XXXX XXXX XXXX is part of this ring that includes Armenians from XXXX XXXX, WA XXXX XXXX XXXX and XXXX, XXXX, XXXX, XXXX and XXXX XXXX. All of them involved in epic real estate fraud and property tax evasion. As well as XXXX and XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX and US Bank XXXX XXXX XXXX, WA. Massive fraud. US Bank just closed my account today XX/XX/XXXX from the E-fraud department without XXXX explanation. XXXX XXXX of the XXXX XXXX is corrupt as well. The criminals keep closing my bank accounts, XXXX as well, illegally by employees who work for the banks. Totally corrupt making it impossible for me to survive and pay bills and build my credit back from their synthetic cyber sabotage. XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX, CA Full Name : XXXX XXXX XXXX Known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Related to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Associates : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Phones : ( XXXX ) XXXX Addreses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Ct, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, CA Sun XXXX, CA XXXX, CA XXXX XXXX, CA XXXX, CA XXXX XXXX XXXX, XXXX XXXX, CA XXXX Age : XXXX Occupation : Protective Service Occupations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX He is connected to the Delaware criminals that my spouse connected to XXXX XXXX from the XXXX XXXX XXXX, etc. She has connected him to the entire ring, we have sent all this information to XXXX XXXX and corrupt DOJ XXXX XXXX and FBI. My wife was gang XXXX, beaten, starved, tortured, burned held illegally for XXXX by XXXX for XXXX and uncovering this criminal ring that goes all the way up the ladder. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dignity Memorial, The XXXX XXXX XXXX, so many shell companies from Delaware to Puerto Rico. All XXXX and verifiable. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A