Date Received: 2023-01-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Simple. Apparently, US Bank has realized I am tired of receiving demands for {$0.00} for the current month when in reality I am nearly three ( 3 ) fully months ahead on my payments. My solution is really quite easy, and apparently, I maybe correct that those in processing have no idea what those in charge of the Fraud Department are thinking or doing, respectfully said of course. Because my most recent payment coupons are now labeled correspondence instead of indirect lending. So, I scanned and maintain a payment coupon in my index, and I adjust it accordingly because US Bank consistently and continually fails to issue a current ( again I am no less than two ( 2 ) months ahead so currently my ) payment coupons this payment is for XX/XX/2023, but what I get from that bank is for XXXX and a {$0.00} demand. Moreover, my Credit report is delinquent of facts necessary for anyone to fairly assess my creditworthiness. This is apparently a system wide problem as it happens to me in every banking debt I have. I bet if I was in default, they'd surely have that information readily available, which I may begin to elect to do so as to get the matters in for judicial review on the lenders dime as I possess each and every checking & banking statement for the past six years along with eft 's and all other information including handwritten ledgers. I contend this is a violation of the Uniform Commerical Code and may well be ripe for Jury Review and full unfettered ownership of that RV because of the prejudicial and dilatory actions of the creditors, same is currently under review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was an {$800.00} cash advance taken out of my credit card that I did not do. I reported it as fraud and my credit card company denied my claim. I tried to appeal and was denied again. I am still waiting to be given any information as far as where the atm was that the transaction took place, what time of day, was there a camera available. My statement says the transaction took place in Tennessee and I live in Minnesota. In my opinion if i can prove I was at work then it was clearly fraud. I have XXXX of dollars in my savings account and there is no reason I would need to cash advance off of a credit card. Case # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check Thur the us bank app and my check was cleared Thur the bank I wrote the check on and us bank is still holding back over {$2500.00} of my fund which the whole amount of the deposit was cleared
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 around XXXX I XXXX XXXX XXXX a applepay ( thru my US Bank Debit Card ) deposit of the amount of {$210.00} to US Bank ATM Machine at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX KS XXXX. After the deposit, I received a error receipt stating my deposit isn't reflecting my balance. This has never happen to me before! I called customer service and filed a claim with the representative, giving the rep all the information on the receipt they needed to fix and track my deposit. The rep told me it will take up to 10 days to finish my claim and recover my deposit to reflect my balance in my checking account. 10 days went by, and the claim was REJECTED, due to lack of information needed. I called customer service, and they stated they was missing XXXX and address, so they rejected the claim. I confused because I gave all that information to the claim representative in the beginning. I file another claim, with the physical address XXXX XXXX XXXX, XXXX XXXX, KS XXXX. Couldn't give them the transcode, because I no longer have the receipt. During the process of the XXXX claim, the claims department stated they needed more information, and wanted to know if I used applepay to make the deposit? Of course I said " yes '', and that was a week ago from the date of this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66223
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a US Bank credit card to make a specific purchase due to the great introductory offer they advertised ( 0 % interest until XX/XX/XXXX ). Now that I am ready to make the purchase, the card continually declines even though my available credit more than supports the charge. I have made multiple phone calls since XX/XX/XXXX to try to get the charge to go through with US Bank, spending almost 3 hours of my time at this point. I have been disconnected, transferred, given different phone numbers, and yet no one has been able to assist me in getting the charge to go through. At this point, it feels very much like predatory lending as I have fulfilled my obligations but US Bank has not fulfilled theirs. I would like assistance in remediating this issue in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I bought a gift card for my friend on XX/XX/2022 as a thank you, he has {$300.00}, and I registered in my name for safety, my friend lives in California, he used this The gift card was tied to his XXXX and spent on online shopping, but XXXX returned the money to the card on XX/XX/XXXX. My friend and I decided to lock the account of this card in order to keep this The card will be used at the XXXX XXXX XXXX XXXX party, but earlier this month I found out that the card was stolen the day after XXXX refunded the money, at a restaurant in Washington, I had no idea, because the registration information in this account It is mine, and I have locked the account. I must verify my name and address to unlock it. Why would it be stolen? I can't accept it. I called customer service and they didn't solve it for me at all. I asked to unlock the gift card account. They said they could only send me the remaining few cents in it. It's ridiculous. My {$300.00} is in the account. Locked and used by someone in far away Washington, why not be responsible for the safety of customers ' funds? Need to claim, hope to get help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: First Issue. On XX/XX/XXXX, I used my US Bank Altitude credit card ending in XXXX to pay rent for an apartment in XXXX purchased through XXXX. I used this card because it offered 0 % of each foreign purchase transaction or foreign ATM advance transaction in a XXXX XXXX. I authorized the charge of XXXX Euros. My statement shows a charge of {$870.00}. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX ( see attachment ). The transaction was posted on XX/XX/XXXX. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX. XXXX ( see attachment ). The correct conversion rate with 0 % of each foreign purchase transaction should be XXXX x XXXX {$850.00} and I should be charged this amount on this day, XX/XX/XXXX, instead of {$870.00}. Hence I was overcharged {$17.00} ( XXXX ). Even if the bank used the conversion rate on the day the transition was posted, the correct charge should be {$850.00}. In any even I was overcharged about {$18.00}. Second issue. My statement dated XX/XX/XXXX shows Points Earned this Statement XXXX, Total Points Balance as of XX/XX/XXXX - XXXX. So as of XX/XX/XXXX I have a total of XXXX points. The next statement dated XX/XX/XXXX shows only XXXX earn points and XXXX points available. Hence XXXX pints have gone missing ( XXXX ) with dollar value of {$10.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX in the statements from : End XXXX, End XXXX, End XXXX, End XXXX and End XXXX The category Bonus on my Cash+ card from US Bank were not credited. On the statements at the Bonus Furniture + Utilities the amount is {$0.00}. Strangely the statement of End of XXXX is correct. Charges were from XXXX XXXX ( XXXX ) and XXXX XXXX. Both charges have been credited each month prior without any issue or missing amounts. I contacted US Bank via phone on XX/XX/XXXX, they said to look into it. I received a letter dating XX/XX/XXXX saying that nothing is wrong but I can fax any transactions details where I see missing rewards. I faxed on XX/XX/XXXX all 6 statements of Q3 and Q4, highlight what is missing and the amount. I received a letter XX/XX/XXXX stating that Q4 the bonus category wasn't selected. How can that be? I am pretty sure I did and on the statements it also shows this. That still doesn't explain why two statements in Q3 don't have it, but XXXX has it.
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: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Elan Financial Services Card through XXXX XXXX has not been providing me with proper paper or online bill due notifications. The last payment I made with them, according to their records was on XX/XX/XXXX for my XXXX payment. I checked my balance multiple times over the course of the month to pay for XXXX due on XX/XX/XXXX. I never received my statement showing the balance due on XX/XX/XXXX and the amount. Instead I received a statement showing past due as of XX/XX/XXXX. I have checked the account multiple times in the span of 2 months and it always had my balance showing as {$0.00} due. Now all the sudden I go to make XXXX 's payment and I am XXXX days past due, my credit line has been cut, and now I have a mark on my credit report because this company can not update their systems online accurately. I never received so much as a call or inquiry or any email or paper notifications advising anything was due. The reps with them have not been helpful at all in rectifying this issue. I made a double payment today and they are still refusing to reinstate my credit line, remove the late fee, or take the 30 day past due off my credit. I am very upset that this financial institution has treated me this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have made several balance transfers to US bank on which I have paid fees up front and which carry a 0 % interest rate for a period of XXXX to XXXX months depending on the then current terms. XXXX of these transfers was for {$170.00}, and was to have a 0 % interest rate that expired with the XXXX of XX/XX/XXXX, this is shown on the attached XX/XX/XXXX statement with a closing date of XXXX, on page XXXX, the XXXX line. The XXXX statement closed on XXXX, as shown on the attached XXXX statement, so the 0 % interest on the {$170.00} balance transfer ended on XXXX. On page XXXX of this XXXX statement it shows that I paid the full {$170.00} amount on XX/XX/XXXX and it posted to the account on XX/XX/XXXX, which is XXXX days before the 0 % interest rate was to expire. Therefore no interest should have been due on this balance transfer. In the XX/XX/XXXX statement for activity ending on XXXX, on page XXXX, there is an interest charge of {$2.00} related to this {$170.00} balance transfer, when {$0.00} interest was due. I texted with a representative of US Bank today for some time trying to resolve this issue without success. I was repeatedly told that the interest charge was for lagging interest, but if the amount was paid before the expiration of the 0 % rate there should be no interest. I know this is not a lot of money, but it is not correct and if this is US Bank 's policy then possibly millions of customers are being charged these incorrect interest charges, resulting in millions of dollars in fraudulent charges and profits for the bank. I stood by end of the deal and I expect US Bank to stand by their end of the deal and not try to change the terms at the very end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A