Date Received: 2023-01-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I ended up having having 2 soft enquiries, at least that is what I wanted. Just to see if I pre qualified for credit cards. But the two companies ended up doing hard enquiries on XX/XX/2022. One of the companies is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that these hard inquiries be removed off my credit report As soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I contacted US Bank to redeem my CD which matured on XX/XX/XXXX. I had a 10 day window to do so. I was told that the CD would be redeemed and I would receive a cashiers check in the mail within 2 weeks. I was told on the call that I would be contacted if anything else was needed from me. Following the 2 weeks, after receiving no contact from US Bank, I contacted US Bank customer care who actually revealed to me that they renewed my CD and had no record of my request. On XXXX XXXX I made that request to redeem my CD, and now I have been requested to get a notarized request, and mail it to them to get my cashiers check, even though I requested this during my 10 day grace period. Meanwhile, they are supposed to be reviewing my call from XX/XX/XXXX it is clear as day, I requested my CD be redeemed after it matured, received no contact from US Bank, and then had to go out of my way to figure out what happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
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: XXXX XXXX XXXX XXXX - Realized my XXXX card with XXXX XXXX had been completely compromised with several transactions occurring outside of the country. The amounts totaled XXXX XXXX 2022 Received a letter stating investigation into {$34000.00} of charges had begun temporary credits issued. XXXX XXXX 2022 - Receive a letter stating that the credit issued in the amount of {$29000.00} was XXXX. XX/XX/2022 Receive a letter that the previous FINAL decision was reversed without any additional documentation whatsoever for charges I did not make. Impossible to escalate with bank after multiple phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was approved for a U.S. Bank XXXX XXXX credit card. This credit card has been a nightmare. At no point and time was I alerted or instructed to set up a " Central Billing Account. '' Every time I logged into my account it showed no balance due. No payment is due for months. Then I get a letter in the mail with a different account number saying my payment is late. I call and an hour + six customer service representatives later, they said that when I was approved for the card, someone should have setup my Central Billing Account. No one did that. I didnt do it because I didnt know it was a thing. This is my fifth biz card with U.S. Bank and no other card has this. I have literally never done this with any other business card, and even with U.S. Bank. I tried to setup the new Central Billing Account but it says my account doesnt exist. Ive called and emailed U.S. Bank. Theres one person whos been handling my issue. Her name is XXXX XXXX XXXX had 29 emails and multiple phone calls. No joke. She said my bonus has been posted but its not showing up in my rewards section. Shes called multiple times, shes contacted the business department, and she has worked her tail off to find out : why cant the central billing account be set up, why its erroring out when I try to do it and most importantly to me where is my {$500.00} bonus AS WELL AS I over paid while with a customer service representative and I have a {$40.00} credit on my account, that I can't open or use. XXXX XXXX, reached out to someone in business credit card department and he said he had to contact one of his supervisors. This has been going round and round and round and round. Literally, who should have to email 29 times? I got my statements but they were only from my credit card account number, never through a central billing account. Mine always saying, New Balance {$0.00} Minimum Payment Due {$0.00} Payment Due Date XX/XX/2022 ( etc ) How I found out, was receiving a past due notice about my Central Billing Account ( one I didnt set up NOR anyone from U.S. Bank setup ). I should have my {$500.00} + my {$40.00} credit and access to my account. This is ridiculous. No other bank would have done this. There is so much to send here and unpack. I'll forward you every email I've received in trying to handle this mess.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: THE MYSTERIOUS DISAPPEARANCE OF {$2000.00} FROM MY ACCOUNT During COVID-19, I experienced an unexpected layoff from my full-time regular job, which at the time, immediately caused a little fear to sink in when thinking about how I was going to get my bills paid. After reaching out to others and seeing on TV and Social media how bad this Pandemic was begging to pan out after all, I decided to follow through with the state 's recommendations being advertised : for anyone experiencing sudden job loss due to effects of the current Pandemic to visit the XXXX XXXXXXXX XXXX to file an Unemployment Insurance Claim. I took the advice, applied for Unemployment compensation Benefits with the XXXX XXXX XXXX and was approved for benefits. The XXXX issued me a total amount of {$4000.00} in XXXX Unemployment Compensation Benefits in XXXX. When I signed up for benefits on the official website, I was given 2 options to select how I would be issued my benefits, and the Debit Card option was highly suggested and recommended by the agency, so I chose it. The debit card was issued by U.S. Bank Reliacard and was mailed directly to me in the mail shortly after being approved. I called to activate the debit card as the mail notice instructed me, and registered my new account online to be able to track my funds. For awhile, I had no issues with the services, until... One day all of a sudden I was sitting at home relaxing, when my electricity was turned off at my house. To my girlfriend 's surprise, she went to pay our entergy bill on the morning of XX/XX/XXXX, and my account balance of {$2000.00} that should have been in my account ... .was suddenly GONE!! DISAPPEARED!! Account Balance = {$0.00}!!! ( which caused our Entergy Bill payment to not go through )! I immediately called U.S. ReliBank 's Customer Service Phone # provided on the back of my issued Debit Card, and was told by an Agent that the Unemployment Office took my remaining account balance of {$2000.00} out of the U.S. Bank Reliacard Account. They did not provide me with any reason, and advised me to call their office. I immediately called the XXXX 's XXXX XXXX and spoke with an Agent that advised me that they had nothing to do with the money being removed from my account, and advised me to call U.S. Bank Reliacard back to speak with a Supervisor about this... which I did... again... and again ... and again ... for months on end. In fact, I called the U.S. Bank Reliacard Office that referred me back to the XXXX XXXX XXXX for months without anyone EVER providing me WITH ANY RELEVANT INFORMATION or anything to work with. I was constantly just left not knowing where my money in my account disappeared to or who removed it from my account!!!! After months of being put on hold with customer service and arguing with every Supervisor from U.S. Bank Reliacard, the Supervisor finally agreed that they would mail me a printed copy of the account 's transaction history... ( BECAUSE UP UNTIL THIS POINT..MY ACCOUNT ONLINE WAS BLOCKED!! ). I had no way of being able to see my online banking account history so that I could even try to figure out on my own just why my {$2000.00} DISAPPEARED FROM MY ACCOUNT ON XXXX WITHOUT ANY PRIOR NOTICE ... WITHOUT HAVING AN ANSWER AS TO- WHO HAS MY MONEY AND WHERE DID IT GO?!? The printed banking statements that were eventually mailed to my address from U.S. Bank Reliacard, were selective-in that they only printed my transaction history from XX/XX/XXXX onward- showing some account history that had the account details provided, as follows : The activity from XXXX showing a total {$4000.00} was the total amount that XXXX Unemployment Benefits Office awarded me for my Unemployment Benefit Filing Claims that were issued and given to me via the U.S. Bank Reliacard Debit Card Account . My account started out with the amount {$4000.00} total, which the Unemployment Office uploaded on the Debit Card. The next transaction on XXXX was activity that I participated in, when I transferred {$2000.00} from U.S. Reliacard Debit Card Account to my other Personal Banking Account. After I made this transfer, my U.S. Bank Reliacard Debit Card Account should have had my remaining balance of {$2000.00} left in my account to spend, but it DISAPPEARED on XXXX at XXXX and my account balance was left to be {$0.00}, with no explanation from the bank besides I should call the Unemployment Office because they took it from my account. The Unemployment Office Agent Reps told me time and time again ( because I called both companies on a minimum bi-monthly basis to no oblige! ) that once the Unemployment Benefit Fund Amounts are issued out to me, that U.S. Bank Reliacard gets the money and they have nothing to do with it again. They explained to me that the Unemployment Office system shows no back refund of any money they ever issued me and advised that my account would show any type of transaction being made ( on their system administrator end and my personal online user customer account end of the system 's interface ) and it would be logged for me to see and them to see. XXXX XXXX has became very frustrated with my attempts at trying to call them to help locate my Unemployment Claim money from my U.S. Bank Reliacard account because they advised apparently that the bank has made this claim too many times recently with all the Unemployment Claims that were filed and they couldn't help me because they issued the Bank the money for my claim, so I'd have to deal with the U.S. Bank Reliacard. XX/XX/XXXX & XX/XX/XXXX Posted Account Activity : Date : Time : Amount : Account Detail Activity : $ Fees XXXX XXXX am + {$4000.00} U.S. Bank : ACH from Known Remitter. {$0.00} XXXX XXXX XXXX ( - {$2000.00} ) XXXXXXXX XXXX XXXX XXXXXXXX. {$0.00} XXXX XXXX XXXX ( - {$2000.00} ) XXXX XXXX XXXX ( XXXX ) Debit. {$0.00} Ultimately, I am struggling financially, since this crazy disappearance of my Unemployment Benefit Funds of {$2000.00} was removed without ANY WARNING OR ANY KNOWLEDGE AS TO ITS WHEREABOUTS SINCE IT TOOK PLACE BACK ON XXXX. I applied for the benefits in the first place because I desperately needed the financial assistance, and this event has set so many other catastrophic events off in my financial life because of my money going missing from my account, and has caused a downward spiral type domino effect for the worse unfortunately. I'd like my Unemployment Benefit Funds, that totaled {$2000.00}, and were in my account, to please be given back to me. I've waited too long, and haven't been able to gather any information from the U.S. Bank Reliacard Agents or Supervisors or XXXX Workforce Commission Office 's as to the whereabouts of my money, but I believe the Bank illegally took them from my account. I'm desperate and didn't know where else to go to get help to try and get my money back... and help trying to locate who took it from my account and help locating it to be able to utilize in my current financial struggle and hardships I'm enduring due to its disappearance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: 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 XXXX XXXX XXXX. 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: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022, I canceled my application after 48 days ( application date : XX/XX/XXXX ). During that time period Loan Officer XXXX XXXX failed to complete the tasks required for the loan in a timely manner. The loan XXXXfficer referenced took 3 weeks alone to complete the request for an appraisal because she submitted the request with the incorrect address. It took escalating the matter, and another member of US Bank 's team to rectify the situation. Once that occurred an appraisal was completed in 2 days, On several occasions, XXXX failed to communicate with me and my team. XXXX would fail to answer calls or messages for days at a time from both myself and my realtor. I often would call her multiple times per day and follow up with emails and still not receive any sort of communication or feedback. Over the course of working with her, XXXX also provided me with blatantly incorrect information. She would often justify her incompetence by citing " these are the VA requirements ''. After several requests for information, I ended up having to double-check all of her work with the Regional VA office , and they would tell me that the VA had no such requirement. XXXX knew full well that I was in communication with the VA regional office, and continued to lie about the VA requirements for the loan. Her repeated requests for irrelevant information resulted in my closing date being extended 3 times. After weeks of her incompetence, I decided to switch banks and notified XXXX that I would be canceling my loan application. From application to approval with a new institution, the entire process took 10 DAYS. US Bank has now lost a customer and I will not recommend anyone use US Bank because of the issues I have gone through. I would like to have my file reviewed and have the " denial '' removed from my file completely. The file needs to reflect that I canceled this request for a loan after WEEKS of incompetence by XXXX on behalf of US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20111
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank Home Mortgage- I was approved through the HAF program for past due payment and 6 months of forward payments. I received my past due XX/XX/2022 and XXXX payment XX/XX/2022. I have not received XXXX payment. The HAF program says they sent XXXX payment and has now sent XXXX payment and US Bank are saying they have received nothing. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hi I closed my US bank checking account on XXXX XXXX. I was told a check would be mailed to me with the remaining balance in the account. I waited for almost a month and the check never arrived. So I contacted the bank early XXXX to inform them that the check went missing and the rep I spoke to requested a form to be mailed to me. I then need to fill out and notarize the form and then mail it back so they can issue a new check. I waited for another month and the form never arrived. We verified many times that the address I have on file is correct. So I contacted the bank again at least three times last and this week and even spoke to a supervisor trying to get this resolved asap. But everytime there was no resolution and when they told me they would call me back, never called. They could not find the same person I spoke to in their system so I had to keep repeating myself everytime I called. I have never received any status update from the bank whatsoever. It has been really frustrating to not be able to get my funds back since XXXX last year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I know I've already sent a complaint prior but I'm just so overly welcomed that when you're the victim of the situation and you're being told that you can't get your funds back no matter how it happened it happened to me and I've been fighting to get my funds to me since the end of XXXX and I feel this is so unfair I said so many letters in I sent police report and I've sent even text messages amongst the people that had something to do with like I said they did refund some to me but I'm still waiting for {$1000.00} withdrawal and XXXX {$500.00} withdrawals with an {$800.00} withdrawal and in the copies of a text messages I send to them it states that they had a picture of my bank card and that's how they were doing the online transactions and they went to the mailbox and got my card out and they did a few other transactions because I had definitely known it was someone that was around me that done this to me so I start confronting people and then a certain person to text me and told me that they seen the pictures of my card and they were using my card and they went to the mailbox and this was told to me from a friend of mine and I swear to XXXX I had sooner or later you know karma will get them I don't have actual proof of them doing that something like that to me but I thought that was a good enough proof for them to refund my money back to me I'm definitely the victim and I would love to be treated as the victim. I mean I said in the last one I sent the documents of XXXX transfers that was on my account that I never took out you can see it's not on my XXXX account and it shows whenever they take out withdrawals there was like a XXXX transactions along with it the bank have no problem refunding XXXX to me and when you look at it it's like back to back XXXX, XXXX XXXX XXXX and it's like that through my whole Bank summary like anything they took out there was a XXXX transfer with it. And they had no problem with doing refunded online transactions. But the withdrawals is what they're having a problem with but you can see the XXXX along with that too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A