Date Received: 2024-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to the atm to do a cash deposit of {$200.00}. A followed the prompts and put my money in the slot when directed. A few seconds went by and it sent one of the XXXX {$20.00} bills I had placed inside. I removed it but the door stayed open. After a few seconds it said to remove the bills but I already had taken the one bill it sent back out. Then after a few more seconds it closed the door and said my transaction was canceled and my money had been retained. I tried to do this after hours so I called the banks XXXX number immediately. They said they would treat this as a fraud claim. That is not what this is. Its an ATM failure. They told me it would two weeks to get a provisional credit. So I went into the branch the next day and was told they dont service the atm themselves. A third party does. I was told that when they come in my money will likely be found and my account credited but that hasnt happened. I need someone to advocate for me or at least advise what I need to do. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45245
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Company XXXX called informing me they will take legal action for a debt I'm not aware and it is from 2010, when I requested identification for the law suit lawyer the person on the phone XXXX XXXX stated threatening me with legal action, a judgement against my property, I requested to e send information via email and they sent a docusign document that I refuse to open and signed, I called back to request to please send information about this debt via fax and/or mail, they did not provide and told me aggressively I was being childish and they will not provide any further proof of debt and take me directly to court. I kept calling XXXX XXXX to get more information regarding the company and law firm and she said to stop calling and they will take me to court
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I paid the full statement balance of {$19000.00} on my Flagstar VISA credit card. I believed that my balance was then at {$0.00}. However, on my next statement there was an interest charge of {$41.00} for the period of time between the date the statement was issued and the payment date. I was out of town on business when the statement arrived, and was unaware that there was additional interest to pay. Flagstar charged me {$30.00} late fee. When I got home, I saw the mailed statement. I called Flagstar, got the late fee waived, and paid the {$41.00} interest. I believed the balance was paid in full. As it turns out, Flagstar charged another {$1.00} interest on the period of time the previous month 's interest had been unpaid. However, I was out of town again at the time the statement arrived. When I got home I saw the new statement with additional interest and another {$31.00} in late fees. Today, XX/XX/XXXX, I called Flagstar and requested the new late fee be waived. Flagstar refused, because they had waived a late fee the month before. I explained that I had paid the balance on the account, but there was a charge of {$1.00} additional interest on the previous interest charge. I felt that it was unfair to charge {$31.00} late fee for unpaid interest of {$1.00} after I had paid the account balance. I expressed this to customer service rep XXXX, and to manage XXXX. The Call Confirmation number for my conversation with XXXX is XXXX. Due to Flagstar 's complete unwillingness to reverse the late charge, I cancelled my account. I did pay the current balance of {$33.00}, which XXXX assured me was the complete amount due and that there would be no additional charges. I feel that Flagstar 's late fee charge of {$31.00} in this instance is unfair and excessive and should be returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Account was opening during a time period where there was an available promo for new accounts. I my account was opened XX/XX/XXXX and the promo at that time was {$300.00} after I meet all the qualifications. I met the qualifications and I did not received my bonus. I called customers service and the representative looked over my account and told me I have meet the qualification and that she was going to submit a form for missing bonus and that they would reach out to me. Nothing happened, I did not get my bonus and no one called me to follow up. I called again XX/XX/XXXX and spoke to another presentative and she was not able to find any notes or ticket for the missing bonus she also reviewed my account and I met the qualification so she was going to submit another ticket and they would follow up with me. Time passed by and nothing, I called again and was told there was no ticket and I met the qualifications and they would submit another ticket. I am just tired of the going back and forth and no resolution. No one has been able to update me and let me know what was the outcome of those tickets submitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I challenged US Banks Financial Institution on the erroneous inaccuracy that was reported to XXXX XXXX after a long intensive investigation XXXXXXXX XXXX removed the account off my consumer report on XX/XX/XXXX. Unfortunately when I try contacting US Bank Corp they refuse to be compliant with removing this account out of their system, even after I have supplied them proof of removal with documentation to prove it was removed off XXXX XXXX due to the inaccuracy and still they continue to be non compliant with my request. On XX/XX/XXXX I went inside the branch and tried to get assistance with a manager however it was still a discrepancy between the back office and the account was still showing up unfortunately this has caused chaos and is a clear violation of my consumer rights!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: i had a previous complaint closed but the problem was not solved and the US BANK was not true.What should have a very simple intra bank transfer from my IRA account to my checking was 8 weeks of frustration. If the CFPB had not gotten involved i would be still trying to get my transfer done.The USBANK response was not true and problem is still not fixed.WHY would the bank be dishonest.This should not be possible but it is and this the reason for this complaint. Thank response was not factual.the response said a letter of XX/XX/XXXX was sent saying that my request was being returned because the birthday was either missing or wrong.NO letter was received and nothing could be returned because the request was made by .There was nothing to return .and the transfer was rejected because of an error in name address DOB or SS #. NOT true true. .t he request for transfer was correct.in respect to the bank response to the problem .They backdated the to XXXX. I don't think this was legal.There was active claim in XXXX nor was there constructive receipt in XXXX. After all this the problem is not solved and could have a TAX problem.I think i understand what is wrong at the bank and i am also know that there are others with this issue..USBANK MUST FIX THE PROBLEM. If not the customers will be able access there and they to will have tax problems and lots of misery.The bank employees made misstatements so they could move the problem somewhere else because they couldn't fix it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: To Whom it May Concern : Re : Discrimination by US Bank Due to ethnicity, age, sex, or disability My name is XXXX XXXX my Home equity loan # XXXX Loan application date XX/XX/year> It is clear that U.S. Bank Corp has persistently discriminated against certain customers due to their religious or political affiliation. This discrimination is unacceptable. U.S. Bank Corp must stop such behavior and align its business practices with the anti-discrimination policies that U.S. Bank Corp proclaims. In its public-facing statements, U.S. Bank Corp markets the companys professed openness and inclusivity. U.S. Bank Corp touts that it opposes discrimination in any form and promote an inclusive society where everyone feels welcomed, equal and included. Likewise, the banks Equal Opportunity, Anti-Discrimination and Anti-Harassment Statement promises : No form of discrimination, harassment, inappropriate or abusive conduct is tolerated by or against employees, customers, vendors, contractors or any other individuals who conduct business with U.S. Bank Corp. All employees, including managers and employees in non-managerial positions, are required to promote equal opportunity. This is far from the experience i received while applying for financing for a home equity loan from this banking institution. My loan application was unfairly processed and ultimately denied even though I met all the guideline required for this loan. I was asked by my loan officer certain alarming questions like my race and my sexual orientation these leading questions gave me some form of in-site as to the true nature and practices of this company through the line of questioning. I was not given a definitive answer as to why my loan was denied other than a made up guideline that was not associated with my initial pre qualification requirements to be approved for this loan. I met all the required guidelines outlined. it was only after i was questioned about my race was i denied a short time after.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act ELAN FINANCIAL SERVICES has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : US BANK DS WEST Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: on XX/XX/23 my us bank checking account showed 2 unauthorized transactions worth of over {$270.00} that werent made by me. i called and contacted my bank and was told theyll cancel the charges. the charges are still there and they charged me 4 extra overdraft fees because of the unauthorized charges as well. even though my account was completely fine before the fraud charges. and they said they wont refund me now. even though i was told yesterday they would.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A