Date Received: 2023-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX. The balance was positive of {$37.00} for this checking account while transferring to THE NEW checking and savings accounts due to old accounts that were compromised on XX/XX/XXXX. We went into the branch to close them the next day and open a new checking and saving accounts. However, a {$100.00} XXXX XXXX of XXXX appeared on statement for XX/XX/XXXX until XX/XX/XXXX for no reason on XX/XX/XXXX a few days after we reported the unauthorized transfer by viewing our statements. Also, per the statement on XX/XX/XXXX through XX/XX/XXXX, why would you advance {$50.00} XXXX XXXX of XXXX on an compromised account that was to be closed on XX/XX/XXXX? More importantly, the previous statement clearly states through all of this we did not have a negative balance on this checking account for a XXXX XXXX of XXXX to kick in AND did not have any overdrafts as of this reported compromised account on XX/XX/XXXX. Again, we never authorized a very large mobile transfer credit of from savings to checking on XX/XX/XXXX and was forced to close these accounts. XXXX. Somehow, the statements for this account stopped. We did not receive any statements by postal mail as of XX/XX/XXXX until XX/XX/XXXX from your organization. We had no reason to even get statements on an account that we were told was closed. XXXX. You sent us one bill XXXX without any explanation or summary of charges ( previously or current ) and we had no help from the branch. In an nutshell, we did not receive any bills from your organization between XX/XX/XXXX and XX/XX/XXXX while your organization let these fees and interest spiral out of control. XXXX. We spoke to an employee of the bank who is in XXXX XXXX from the XXXX, XXXX XXXX XXXX about a month and half ago regarding these charges. He was puzzled about the fees and told her he was going to close the account ( which should have been closed in XX/XX/XXXX ) and never did close the account. The same goes for every other customer service member at this branch. On top of it, we have returned phone calls to your US Bank XXXX Department and have not heard back from them. We have since visited the branch several times to get this straightened out. Furthermore, we are puzzled as to where a branch manager was when we needed them every time we stopped in. XXXX. We have been a customer since XXXX with this account, receiving veteran 's benefits via this checking account, to find out after 6 months later we are late on a XXXX XXXX XXXX which was due to a compromised account but still had a positive balance? You have also affected our credit scores DRAMATICALLY when your organization can't simply realize we were the ones who caught the fraudulent transaction ( police reports were filed ) and went to the bank TO CLOSE these accounts on XX/XX/XXXX to avoid further fraud. XXXX. WE ARE REQUESTING US BANK TO RELINQUISH YOUR DEMANDS, GIVE US BONAFIDE PROOF OF YOUR FEES AND CHARGES ON THIS RESERVE LINE OF CREDIT ON A CHECKING ACCOUNT WITH A POSITIVE BALANCE AND WHY IT KICKED IN ON A CHECKING ACCOUNT REQUESTED TO BE CLOSED AT THE BRANCH ON XX/XX/XXXX, DUE TO UNRECOGNIZED ACTIVITY NOTICED BY US. WE ARE ALSO REQUESTING THE ERROR BE REMOVED FOR THIS JOINT ACCOUNT FROM ALL XXXX CREDIT BUREAUS : XXXX, XXXX, AND XXXX CAUSING A DROP IN CREDIT BY OVER XXXX POINTS. WE PAID THE BILL IN FULL FOR {$170.00} ON XX/XX/XXXX TO FOREGO ANY FURTHER DAMAGES TO THE JOINT ACCOUNT HOLDER 'S CREDIT AND REQUEST A RETURN OF THESE FUNDS. AGAIN, INSTEAD YOUR ORGANIZATION OPTS TO SENDING US ONE BILL AFTER 6 MONTHS SINCE XX/XX/XXXX WITHOUT AN EXPLANATION OR AN ITEMIZED SUMMARY OF THE CHARGES AND NO OTHER WARNINGS OF SPIRALING FEES AND INTEREST SINCE XXXX OF XXXX. In XX/XX/XXXX, my accounts with another banking institution were actually hacked and drained down to almost nothing. Way more severe than this. This organization returned my checking and savings up to full status in a prompt manner without any aggravation and extraneous fees of this kind. WE RECEIVED NO RELIEF FROM YOUR CUSTOMER SERVICE AND BRANCH LOCATION AS PROMISED IN XXXX, OHIO ON XXXX XXXX WHICH HAS NOT BEEN APPRECIATED CAUSING XXXX TIME, UNDUE AND HORRIBLE GRIEF. REMEMBER, WE WERE THE VICTIMS OF YOUR COMPROMISED ACCOUNTS which we caught ourselves, as well as UNPROFESSIONALISM TOWARD A MILITARY family and loyal CUSTOMER SINCE XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44134
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: Transaction was not authorized
Consumer Complaint: I was injured on the job XXXX XXXX XXXX I suffered a severe XXXX XXXX due to pilot 's landing badly in XXXX. I have been a XXXX XXXX with XXXX XXXX since XXXX Due to my ONLY income at this time being XXXX from my divorce, and XXXXXXXX XXXX XXXX, I had to move back home to the XXXXXXXX XXXX area from XXXX and give up my dream apartment. I paid for a one way moving truck ( though XXXX ) rental using my employee discount that only should have cost me {$550.00} total if I got the correct truck that worked. That was using my employee discount as well. It is all I could afford at the time. I will include the links of what followed after. They verbally and financially abused me/extorted me and refused to give a full refund. If needed, I will take them to small claims court. But US Bank assured me they would handle it. After getting the initial provisional credit back, I contracted XXXX. I had a XXXX of over XXXX for 3 days straight, and then I was XXXX in the ER due to such extreme symptoms. At this time is when US bank sent me the mail invoices to fax my proof paperwork for all of this. I went to my local branch and had a XXXX named XXXX XXXX in XXXXXXXX XXXX said she would handle it all for me. She faxed all documentation and assured me I would be receiving the provisional credit, and any overdraft fees I incurred due to this would be refunded as well. This was over a month ago. She has since ghosted me. I have went to multiple banks, talked to the fraud department on the phone over 20 times, and nothing. Even when they claim to escalate my issue to be resolved in 72 hours, I never hear from them again. They owe me thousands at this point. I also had my information breached with the XXXX XXXX breach. They refunded me most of the charges that were made, except for the XXXX XXXX charge that was fraudulently made. Both times they reversed the provisional credits from my accounts they were positive. They then charged me over 7 overdraft fees. They refuse to reimburse me for the overdraft fees. I am about to lose my car my dead grandmother bought me and they do not even care. I just need someone to actually care and show compassion for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 470XX
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: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: I received a convenience check from my U.S. Bank credit card. I deposited it into my bank account. While the check was in the process of getting cleared my account was charged an unauthorized purchase. I called to inform customer service and told them about the check that was deposited. They told me that they would wait a few days for the check to clear and then close the account and send me a new card. They did not do what they told me and the check bounced. I was charged a {$12.00} fee. The new card was sent to me on XXXX XXXX. On XX/XX/2023 I received new convenience checks so I tried to deposit XXXX of them. They check bounced and I was charged another {$12.00} fee. When I called U.S Bank I was told the checks were from the old account and were no good. I asked them how I would know since they were sent to me three weeks after my account had been changed. The agent and supervisor I talked to said it was my problem not theirs. Now I have had two returned check fees in less than a month and my bank is placing holds on all my deposited checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: In XXXX and XXXX of XXXX, my sister suddenly withdrew from our planned trip flights to XXXX I was paying with frequent flyer miles. But soon after, the COVID pandemic hit and our world changed. But I had called to cancel the trip and get the mileage back as well. But the employee I spoke with would not honor all of the miles. This was hurtful. I haven't located the page where I wrote notes on this conversation. Not long after, I received four debit cards totaling {$450.00} from US Bank. Currently I'm living in a declared disaster zone! Power was out for over a week and everything spoiled in the fridge. Although it is flooding everywhere, I can make it safely to the local market XXXX XXXX away. I'm currently overdrawn at my bank so I need to use these debit cards. I located them yesterday thank goodness! I called to find out the amounts on each card. It was then I learned the original amounts had been greatly reduced due to fees! There is an expiration date on them but I didn't have any idea about these fees. We've been in a pandemic for over two years. I'm currently in a disaster zone. I'm over XXXX XXXX XXXX and I need to buy food! As an example, I learned that a card that originally had {$50.00} now has only {$14.00}! This is unconscionable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a dispute claim with XXXX Credit Card issuer Elan Financial Service, the date of dispute XX/XX/XXXX for XXXX in the amount of {$730.00}. Since that date of opening the claim, the company XXXX Credit Card/Card Member Service/Elan Financial Service never requested supporting documents. The date of XX/XX/XXXX the case manager XXXX, called back from a spam phone # XXXX, stating that the XXXX claims department, had submitted supporting documents that says otherwise from what my claim was. I advised XXXX that I have supporting documents that support my claim, she advised if she did not received documentation by the end of business day of XX/XX/XXXX, she WILL close my case and I can take my matter somewhere else, I was appalled by the way of ethics they manage their claim process, I tried to explain that they are not allowing a reasonable timeframe for someone to provide supporting documentations, XXXX stated that it does not matter to her, if the supporting document was not received by XX/XX/XXXX, she would closed the case. I had to pay {$8.00} to have the documents fax as they requested. I called back and asked for a Supervisor to call me back. On XX/XX/XXXX I received another call from the same phone number by a Supervisor called XXXX, she has no idea why I requested the call back, & that they received their documentations and that was the end of it, when I asked about their ethic handling of their claims and threats, she just stated we do what we do and that is all. When she was asked if she listened to the call from the previous rep, her response was " we do not record those calls ''. Which basically means the handling of the call from either of them have no repercussion because they can say whatever they want without anyone listen to their handling of calls. When I asked if this was their way they conduct their case management process & their response was that once again, they do what they do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I submitted a complaint and the response the CFPB closed the case on was a blatant lie. They stated that they do not have an option to choose savings or checking and I have screenshots proving there lie. I am still requesting reimbursement for the fees my external bank charge as US bank made unauthorized withdraw from my checking causing {$50.00} in fees. My Credit union has one account number used for both checking or savings and teh radio button on US bank side is supposed to direct it to the correct account. If the radio button is not working that is US bank issue. I have called and US bank did confirm this is a known issue causing customer harm Here is the original CFP details : Original Complaint # : XXXX Specific US Bank Lie : `` The payment you made via web/mobile banking on XX/XX/XXXX, was returned as non-sufficient funds, and reversed off the account. When customers add an external account for payment, there is no option to specify if the account is savings or checking. Since no errors were found in the payment application, we recommend you work with your other financial institution regarding this issue. '' Proof of LIE ( Screen shots ) attached below Please note : I re-made the payment using the same saving setup and they pulled it from checking 's again. ORIGINAL COMLAINT : I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank America First CU. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other 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: UT
Zip: 84128
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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: I did a credit card consolidation on XX/XX/2022 and there was an overpayment of {$11000.00} so on XX/XX/2022 I asked that they send me a check for balance and they said they would. On XX/XX/2022 I noticed an ACH payment for this amount and the credit was gone out of my account. I called and they said that they decided to refund it to a bill payment service but were not sure which one or the account number. My credit consolidation company XXXX has not received the money and US Bank can not find it. I would like to find this money and receive it or have it received by the credit consolidation company as my payments on my consolidations are {$750.00} a week and I am paying for something I do not have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account with the promise of a {$500.00} bonus if I made direct deposits totaling {$6000.00} or more within 60 days of account opening. I opened the account on XX/XX/2022 and completed over {$6000.00} by XX/XX/2022, fulfilling the requirements for the bonus. The {$500.00} bonus was supposed to be deposited into my account within one statement period after completing the required deposits. I should have received the bonus by XX/XX/2022. It is now more than 60 days after I completed the requirements, and I have not yet received the {$500.00} bonus. I called to ask about this issue, but after spending more than half an hour on hold and being passed to three different operators, I was informed that they had no way of helping me because their " system is down. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I, a consumer and natural person, was denied credit by U.S. Bank when I applied for Application Number XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by U.S. Bank due to the response I received. U.S. Bank is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of U.S. Bank according to law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX2023 I received an alert on my XXXX Banking app that I had XXXX new inquiries on my credit, XXXX from XXXX Financial, which was XXXX of the financial institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " US BANK DS WEST '' and it happened around the same time as the XXXX Financial inquiry. I made a phone call on XX/XX/XXXX to XXXX XXXX and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXX Credit Bureau to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called US Bank, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX pm XXXX time and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX app stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A