Date Received: 2023-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The company is not being truthful! I ask for a judgement against the company for {$600.00} plus daily interest, plus punitive damages! Reason : the statement that I attached shows all the purchases plus payments! And their voice robot message that I attached, states the truth! Therefore, I pray for the company to pay me what I hope they ignorantly stolen!
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: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My USBank credit card has a feature called " XXXX XXXX XXXX which allows you to make monthly payments for a monthly fee rather than the monthly interest. In order to use the XXXX XXXX feature, you select the transaction you would like have on extend pay, and they will calculate a monthly fee. The marketing material on their website explains that the XXXX XXXX XXXX is seperate from your regular transactions and in the Q & A section, it says that you will not be charged a fee if paid in full. On XX/XX/XXXX, I made a transaction of {$6000.00}. This would make it part of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I clicked on the transaction and set up XXXX XXXX for a monthly fee of {$39.00}. On XX/XX/XXXX, I decided to pay the XXXX XXXX XXXX in full along with my current balance ( {$6400.00} ), due XX/XX/XXXX, XXXX XXXX XXXX. I asked to have the XXXX XXXX XXXX waived since I was paying it off in full before it was due and had an extended argument over whether or not the fee was valid. She eventually agreed to reverse the XXXX XXXX XXXX and my balance was paid in full by phone that day. I was surprised to receive XX/XX/XXXX bill with another XXXX XXXX XXXX for a balance that was paid in full. I called again to ask why that fee was being charged and spoke an agent that was once again arguing the validity of that fee. I asked to speak with a supervisor and was transferred. The supervisor said that she would waive the fee again and I thanked her for that but I asked why it was still active. She said that I had a remaining balance on the XXXX XXXX XXXX. I asked how that could be possible when I paid the balance in full on XX/XX/XXXX. She could not give me an answer but transferred me to Customer Service. I explained my situation again and spoke with a Customer Service Agent who apologized and said the XXXX XXXX XXXX was new and they needed more training on it. Her explanation was that when I called to pay my balance in full on XX/XX/XXXX, the system applied my payment only partially to the XXXX XXXX XXXX, leaving out the pending transactions from XX/XX/XXXX - XX/XX/XXXX, which weren't even present on my account, and not due until the next month 's statement, due XX/XX/XXXX. I tried to explain to her that I was clear with the agent on XX/XX/XXXX that I was paying off my XXXX XXXX XXXXXXXX and would have a XXXX balance that day. How am I supposed to pay the balance on payments that aren't even posted? What more could I do? I was paying my balance in full 3 weeks early, is that not enough? The Customer Service Agent I spoke with on XX/XX/XXXX said she could not terminate the XXXX XXXX XXXX but said it would be gone on this next cycle. The balance of the XXXX XXXX XXXX reflects transactions that I never agreed to put on XXXX XXXX. My complaint is that the USBank XXXX XXXX XXXX is presented deceptively online and the fees and payments are posted inappropriately, resulting in transactions being charged a fee to which I never agreed. I strongly encourage consumers to avoid the XXXX XXXX XXXX from USBank. It is not straightforward and full of technical glitches that result in fees and aggravation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
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: On XX/XX/XXXX at XXXX pm I used a XXXX XXXX XXXX a.t.m. I then proceeded to withdraw {$920.00} cash using my US Bank debit card. The a.t.m. opened up to release the funds and wouldn't let go, I struggled to pull but failed due to door shutting up my fingers, I did manage to take {$20.00}. I then parked and waited for over an hour contacting both banks. I filed a claim with both banks, and both came back with no error had occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My personal information was stolen an change due incorrect information can't verify my identity to any account or bank account information someone change my identity trying located my savings bonds an CD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The account was opened under an offer code XXXX where-in {$500.00} should have been deposited in case I fulfill the conditions of 2 direct deposit transactions which was done but the bonus was not credited till date. Also, I opened up a business account with them and they asked me to deposit some money in that account to make it active and when I did, the bank sent me a letter stating that they found some inconsistencies in the account info and they will not be able to process account opening. Post that, the account was closed by the bank and no 3 days after, account suddenly got opened automatically and the money also got deposited from somewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX. XXXX 2022, XXXX bought me a prepaid gift card from XXXX XXXXXXXX XXXX at XXXX for {$500.00}. I link my XXXX to buy what I need on a site, I shop a lot on this site, I know their customer service, they are loyal I am a regular customer, but on XX/XX/2022 this card Reported as unauthorized by XXXX. I am puzzled. I have the card and the card receipt in my hand. Why is it unauthorized? They canceled my order, then I called the back of the card and provided some documents as they requested, sent a fax to XXXX, including a driver 's license, the front and back of the card and the card receipt and my home address. The card is registered to a warehouse address, I asked them to mail the new replacement card to my home address or my company business address, then I called them again because it's been a month and I haven't heard anything, they just replied that I'm still investigating, let I'm waiting, I didn't even get in the case number, why they don't verify and believe it If someone reports unauthorized, my card and receipt are kept but it doesn't protect my card balance, I read a lot about this card online Complaints, they all acted the same way, embezzled our money and no one replied to you.
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: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The bank employee ( Branch Manager, maybe ) refused to provide service and asked me to leave the bank because they where closing even though I was at the bank prior to closing time and they were still working with other customers. He refused to tell me his name when I asked him, also refused to give me his business card as he lead me out and locked the door. Please let me know if there is anything you can assist me regarding this issue. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I held a XXXX XXXX card with US Bank for many years. In XXXX they charged me the annual fee but didn't credit my account with the renewal bonus of XXXX XXXX points. I followed up repeatedly in XXXX and XXXX with no resolution. The card has now been product changed without my consent to a new product, and US Bank still has not refunded me the annual fees for these years or credited my account with the missing XXXX points for either of these two cardmember years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: While negotiating loans, if the loan officer from U.S. BANK says- I understand people from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX try to bargain pricing on the street bla bla bla ( didn't want to hear any more ). No matter whether its racism or not, I felt super offended after hearing this from the loan officer from US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened my account with US Bank on XX/XX/2023. I made the funding deposit of {$25.00} on the same day XX/XX/2023. Two days later on XX/XX/2023 my boss deposited {$2100.00} into my checking account as a payroll check. When this was done, there were {$250.00} of funds held for debit card authorizations and {$1800.00} of funds held for deposits. This created an available balance of {$0.00}. Today is XX/XX/XXXX XXXX XXXX and my funds are still being held from me. I have went to the bank, pleading with them to help figure something out because I can not pay my bills or feed myself during this time. I just dont know what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63901
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A