Date Received: 2023-01-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Attempted to open a savings account today but was refused due to negative reports from US Bank. U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Because of their reports of a charge off debt I could not open an account at my bank XXXX XXXX. The reason for the debt is from an overdrawn amount of XXXX for which US Bank charged me {$50.00}
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: 2023-01-18
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: Deposits and withdrawals
Consumer Complaint: I am the custodian for two XXXX accounts through US Bank. I attempted to disperse funds to the minors, but US Bank will not allow me to set up an external transfer to the mother of the children because my account was given a " yellow '' rating out of fraud concern. So, US Bank was concerned about fraud with my account and made no attempt to contact me, and now they are saying it could take 3-4 business days to resolve. The cynic in me thinks that US Bank wants to make the external transfers of its customers difficult and slow to artificially buffer its ledger. But who knows what the truth is? All I know is that I don't feel well served by US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened the US Bank checking account in XX/XX/XXXX with promo code XXXX. The checking account mentions if you have direct deposit of {$6000.00} or more, i will be given {$500.00} checking bonus. I did all the requirements but still i didnt get the bonus. Its been more than 60 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27288
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Us Bank has an issue with their online bill payment systems which is leading to unfair late payment fees being charged to consumers. Currently the US bank lease systems are not set up in a way which allows their online website system accessible to customers to sync up to date information to their backend payment systems. In my personal example my lease payments were set up on autopay for US bank to be debited out of my checking account on the due date. US Banks systems have not debited the information out of my checking account despite their customer website designating that autopay is turned on for my account. When I spoke to a representative on the phone, the associate stated that their back end systems do not show autopay set up for my account at all. He mentioned that their back end systems do not sync with the online accounts and that it has been a problem before. I believe that US bank has a an issue with with their computer systems where the autopay setup information on their customer facing website doesn't sync on a timely basis with their back end payment collection systems. I believe this has caused me to be charged late fees in error and must be affecting other customers with similar issues. I believe this practice to be predatory in the sense that it stems from a lack of willful understanding of modern systems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45066
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: PAYMENTS SINCE XX/XX/2023 ARE NOT BEING APPLIED CORRECTLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received a check, thought it was legitimate deposited it in an ATM and it was fraudulent. US Bank contacted me of the fraudulent check and asked me questions about it and they decided to close my account because of scammers trying to log into my account and blaming me for giving out my login information to them but I have not done that, its been XXXX or XXXX weeks when they said it was been closed. I have not received my money yet. I had in the XXXX accounts. I had just checking and savings account. I have contacted them many of times and they say that they dont know when I will get my money back theres no time limit. And they also have hung up on me XXXX times and are very rude and will not give me any information of whats going on with it. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: the atms that are supposed to be releasing funds to a team of mine are actually being used by a separate team and they are being funded by releasing the maximum amount then letting the remaining amount get put towards further down the line projects or settlements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX I received a {$50.00} annual fee on my XXXX Bank card. At that time my card had a XXXX balance so I was not checking this account and missed that an annual fee had been charged, so I missed my payment. When I got a letter in the mail I called the consumer services person said they would reverse and {$41.00} fee and I authorized a {$50.00} payment for the annual fee. I did not hear anything from the bank in XXXX, but in XXXX I got a letter stating my account was passed due so I called the consumer service person said there was nothing wrong with my account and to discard the letter it was send by mistake. I hear nothing else so I thought everything was ok. In XXXX I received another letter so I called the bank on XXXX. The representative said the same thing that the account was current and there was no issue. on XX/XX/XXXX I got a letter and a check from the bank saying they closed my secured credit card due to non-payment and they deducted all the fees/interest + the annual payment amount total deducted was {$160.00}. I should not have been charged anything over the annual payment amount. When I called the bank the consumer services person laughed at me and told me she could not help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97212
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I went to XXXX XXXX XXXX XXXX us bank XXXX officially that must account close I say why! They don't tell me what happening and other bank block. Frustrated also they are bitclose account yet I say give me money the. They say XXXX no and feel like I am victimized I know this is set up for XXXX XXXX money I am fed up since 6 month call me XXXX sometime email block so I. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ive been banking with US bank for over XXXX years. I recieved a check as payment from someone I personally know. The check seemed a little fishy but it was directly from the XXXX XXXX because they are covering this persons rent paying for it directly. I did my due diligence including calling the issuer. This was a PROVEN TO BE A COMPLETELY LEGITIMATE check. I deposited it in my account. XXXX hours later I recieved an email saying the check was reviewed, AND ACCEPTED. I withdrew {$200.00} of the {$1500.00} check. The next morning I log into my account and its locked and Im told to call a XXXX number. I call the XXXX number and they give me the run around and eventually transfer me to my local branch to a gentleman named XXXX. XXXX is very confused why they transferred me to him and he seems stumped. His lack of knowledge made me wonder if I was actually even speaking with a genuine representative of US bank. I explained the situation and he said THERE IS NO RECORD OF THIS CHECK and was very adamant that I was wrong and that THEY NEVER RECEIVED IT until I was able to show him the email sent directly from US Bank that says YOU CHECK DEPOSIT WAS ACCEPTED because only then did I withdraw anything.I wasnt going to attempt to withdraw it until it was approved as it was. After I called XXXX out on this he was stumped and didnt know what to do so he placed me on hold for a XXXX or XXXX. When he came back he said very nonchalantly oh that account has been closed. I said excuse me what do you mean? Wheres my money? What do you mean my account has been closed? And he DIDNT HAVE ANY ANSWERS! He said we will send you a letter in a few weeks explaining all that. When I asked him any other questions he just refused to answer them or played XXXX. When I said what about my money!? He said oh actually you owe us money now. I almost fainted. I cant believe the gall of this man to not only tell me that I no longer have access to the money that I rightfully earned, he wanted more money from me!! I spent XXXX hours today starting at XXXX attempting to contact them whether via social media, email, or phone eventually they quit responding on all channels. Its disgusting to me how little they care and how they in fact seem to get off by leaving their victims helpless. They have XXXX regard for the fact that I have bills due Monday and have absolutely no access to my money with no answers as to if/ when/ how Ill get my money back. I just want my money back and I want the world to know how they will do this to anyone. I do not wish to bank with them any longer after this experience - I know they will take everything from me without any answers at their next given opportunity. I have been loyal to this bank for over XXXX years, Im a XXXX and I am a very successful XXXX XXXX. I have brought nothing but legitimate checks from various businesses, employers, institutions, and persons as well as legitimate direct deposits from companies like XXXX, XXXX, XXXX, XXXX, XXXX, etc. for well over XXXX years. Never once in my life have I ever done ANYTHING fraudulent, not only with this bank but with anyone, ever. Hypothetically if the check was fraudulent, in this case I would be the victim - not the criminal. How dare you treat me like XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44131
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A