Date Received: 2023-01-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX I purchased 4 {$100.00} XXXX gift cards. After purchased once opened the four cards did not have a 3 digit code on back of cards. These cards where a miss print according to XXXX and can not be used. The original store XXXX will not issue refunds and XXXX is not allowing purchase if not registered. Without the 3 digit code you can not register. I have submitted all requested documentation to XXXX XXXXXXXX XXXX on XXXX XXXX XXXX. Each time I call XXXX they have not corrected this issue and the customer service agent is not allowed to transfer to other departments and no supervisor is never on shift. I'm currently out of {$400.00}. I have the fax confirmation including the XXXX case number that XXXX acknowledged the problem. These cards where purchased using my personal XXXX bank card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX attempts to open a checking account were made on XX/XX/XXXX with US Bank XXXX XXXX ND. I found out about this when the bank sent a letter an attempt to open an account had been made but could not be completed as they were unable to verify my identity. I called US Bank to report this was a fraudulent attempt to open an account and they have noted that. They told me of XXXX other attempts to open an account during the call, and both of those were also stopped. I am suspicious that my identity was stolen when traveling through XXXX when I checked in to the XXXX XXXX in XXXX on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/XXXX while reviewing my credit monitoring report, I noticed an entry that a US Bank account ( joint account with my wife ) was closed. I asked my wife if she knew anything about this and she did not. The next day she made an appointment with our neighborhood US Bank branch in XXXX, WA to investigate this issue. She asked the US Bank employee for more information and he pulled up our account on his computer. He said, It looks like your husband took out nearly all your money. He printed off a copy of the transaction and pointed out the customer signature line. My wife looked at it and remarked, Thats not my husbands signature!. The account had a balance of {$87.00} on XX/XX/XXXX. On XX/XX/XXXX, there was a fraudulent withdrawal of {$87.00} to this account to leave a net balance of {$0.00}, an amount below the monthly maintenance fee assessed for a low balance ( {$6.00} ), but not enough to close the account. The withdrawal occurred at a branch office over one hundred miles from my home. When she brought the copy of the transaction to show me, the signature was obviously forged and not a very good one. My wife contacted US Bank again and the bank employee suggested we fill out two fraud investigation forms, ( Unauthorized Paper Debit, and Affidavit of Unauthorized Paper Debit ). We did so and submitted the paperwork to the XXXX, WA US Bank branch. Several weeks passed and we did not hear anything so my wife called the US Bank fraud investigation number to check on the case. The fraud office denied our claim and said that we should have caught it sooner. I have not visited any US Bank branch in years and have never withdrawn any money from this account. The debit card has never been used. This account has had very little activity and no checks have been written on it in years. I have not had any identity theft issues with any of my other financial accounts nor have I lost any personal forms of identification. Because of the low-level amount of activity on this account, the only other people besides my wife and I that know of this account are US Bank employees . I believe I know what happened. A dishonest US Bank employee was looking for inactive US Bank accounts with low balances in the event the account owner had forgotten the account or was now deceased. The employees goal was to embezzle the money from these accounts in the hopes no one would notice the loss. The employee ( or accomplice ) forged a withdrawal in an amount slightly under the account balance, which he had knowledge of. The remaining balance is now at an amount less than the amount of the maintenance fee for the next monthly accounting cycle. Once the next monthly accounting cycle completes, the new balance ( below the monthly maintenance fee ) is too low and the account is closed. {$87.00} is an unusual amount to withdraw and ATM machines cant do this specific amount. Then leave only {$0.00} left in the account? The forged signature is proof the fraud was perpetrated in person at a US Bank branch and not a result from an account that was electronically hacked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98074
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Elan Financial - Inquiry Date XX/XX/2022 - This account is not reported on my personal credit report nor did I apply for credit with this organization or this date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/2022 I got a new credit card offer from my insurance company which was State Farm and the bank to sign up with was US Bank I had to spend XXXX dollars with it in 6 months and I earned a XXXX bonus. I did everything within 6 months and correctly and now they are refusing to honor the offer and pay the bonus. I have the original mailing I was sent, also I complained to State Farm insurance and they had a liason they said talked to them and still US Bank have refused to honor the offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Sold a car that was paid by wire transfer... us bank wont release the funds although they are shown as available. The reason they claim is to protect me from fraud when there was no fraud. I have bills due and cant access my money. The funds have been posted for over a week! The branch manager cant tell me when I can have access to my money. This was a wire transfer from a verified buyer NOT a credit card ACH that can easily be reversed. The bank has no reason to do this. I do not need them to protect me from my mnoney! The funds have posted I should either be able to get my money or told when I can get the funds. They cant seem to tell me that and it is creating a hardship for me. Once they figure out there is no issue other than the one THEY created for me... I will be closing my US bank account! Additionally the buyer of the car has a car carrier comong to pick it up ... if the funds are locked ... I cant release the car. I get sued and in turn I have to sue US Bank. Additionally when I asked the branch manager for the district managers contact info she would not give it to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In the summer of 2022 I was contacted by US bank and informed that they wanted to refinance my home loan. I worked with them for many months getting them all the documents that they requested all the time the company kept assuring me that the terms were still good. The underwriting was taking forever and I kept checking in with them and they told me because of a merger with another bank. I finely received notice that I was being denied due to insufficient collateral even though I have 80 % of the loan amount in a bank account. I feel the reason the loan was denied was because the agreed upon terms were not as lucrative for the company as the federal rates increased. I feel they should honor the agreed upon terms and the loan officers garentee that the loan terms were still good.
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: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
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 is a follow up and documentation of the XXXX Card company contending to harass me by sending me by XXXX XXXX XXXX of their policies on interest rates and et al. This is not about any of that information! This is about the voice message of {$600.00} clearly shown owed to me clear and simple! They have admitted the money is mine in an earlier letter sent through this method and then lied that I spent it in following purchases! But that's a lie! All they had to do was do simple addition and subtraction on the statement I attached at the beginning! That statement shows the purchases at that time! They think because a little person that they can harass me as they been doing with their multiple mailers all saying the same thing! When in fact I only want what is mine that I worked hard to earn legally and honestly! But I wonder if they really understand that! " Their '' voice message attached is clear that they owe me {$600.00}. The attached statement is clear showing the purchases at that time! I don't see why they refuse to honor the truth and give me my money! Please deposit it in my XXXX checking account! But please add daily interest and punitive damages! I'm asking the " pfpb '' to instruct the card company to communicate using this method to obtain trailers and paper trails for legal action against them, similar to the class action case against XXXX XXXX! In which I ask the XXXX to ask The card company for a XXXX to see how many others are effected to stop the methos of theft! It's a shame it had to go this far!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Elan Financial pulled an unauthorized credit report for me. See below : Phone : XXXX Elan Financial XXXX XXXX XXXX XXXX, XXXX, MN XXXX Please have this credit inquiry canceled, as it is fraudulent. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX pulled an unauthorized credit report for me. See below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please have this credit inquiry canceled, as it is fraudulent. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A