Date Received: 2023-01-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was trying to access my account today with USBank at XXXX XXXX XXXX. I entered all the credentialing information, and it sent me to reset passwords three times, and none of the passwords worked to access the account. Afterward, I contacted XXXX, and an agent got on the phone, and she asked for all of my information. She was very XXXX XXXX XXXX. Instead of trying to assist me, she stated to download the app and, if I had any other concerns, to call back. I explained that my issue wasn't resolved and wanted to speak with a supervisor. She waited 5 minutes and stated that a supervisor wasn't available. I hung up the phone. Neither the app nor online services work to access the funds due to me in the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was incorrectly charged a {$5.00} " XXXX XXXX '' on my business checking account for a " printed statement '' that I didn't ask for. Apparently, the bank defaults all accounts to these paper statements and charges customers $ XXXX for the printing fees, which is straight-up fraud. There were no clear disclosures about this practice anywhere in the account set up process. I wasn't using this account and definitely didn't need a statement printed and I certainly would never have paid {$5.00} for it either. I already tried to resolve this with the bank directly and they refused to refund the money they stole from me. This is not ok. I need reparations!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Back in the XX/XX/XXXX, my mother and I went to the US Bank branch in XXXX, Ohio to add a beneficiary to the account. That's all we inquired about and then signed up for what we needed. Then in XX/XX/XXXX, a mobile transfer credit was not authorized from savings to checking between these accounts after checking the statements online. We immediately went to the branch to close both accounts and start again due to fraud activity with fresh new accounts believing these old accounts were closed. After 6 months, we received only one bill from US Bank for the closed checking account in the amount of {$170.00} without any regard as to what it was for or an itemized summary of the charges. After calling the number listed on the bill and getting no answers as to what equates this charge, we find only the amount is now {$170.00} on a Reserve Line of Credit and should go to the branch. We immediately went to the bank branch on XXXX XXXX in XXXX, Ohio, to figure this out. Mind you, my mother and I have been getting strange calls claiming to be US Bank, calling back to be asked for our account numbers (? ), social security numbers or just to simply to call back and just leave a message. ( We did not divulge any personal information. ) I left a message about two weeks ago from the US Bank Fraud Department XXXX ( name and number only ) and have not heard back since. Mind you, the branch could not verify this number originally ONLY after my second visit in XXXX regarding this Reserve Line of Credit. Nonetheless, the branch informed us apparently, the old account was not closed AND a Reserve Line of Credit was added to the closed checking account without our knowledge. The branch could not give us an itemized summary of these charges. After coming home, hunting and pecking with rude US Bank customer service regarding this charge, this bank, for example, added a deposit on XX/XX/XXXX, in the amount of {$50.00} via the Reserve Line of Credit as well as numerous late fees since the close of the account we knew nothing about totaling {$170.00}. Again, on a CLOSED checking account? I also received a strange letter on XX/XX/XXXX, informing us the old checking account needed to be closed by XX/XX/XXXX? In summary, there was no reason to even sign up for this so called Reserve Line of Credit when originally we were merely adding a secondary name to the account in XX/XX/XXXX and just merely opened fresh new accounts in XX/XX/XXXX due compromised accounts. Furthermore, we were told the old checking and savings account were closed due to fraud activity as of XX/XX/XXXX the minute we opened new accounts. It has been noted that there have been fines for this bank illegally exploiting personal data while opening sham accounts like Reserve Lines of Credit for unsuspecting customers and we are one of them causing us undue grief.
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: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been speaking to XXXX in XXXX XXXX about receiving a new check XX/XX/XXXX. She said she has a supervisor verify that the check I was mailed, back in early XXXX for closing my account hasn't been cashed. Meaning that US Bank still has my money. ALL I am asking is that I get a new check made out for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
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: This is getting really old. What do I have to do to get someone to take this issue seriously? What happened is the same thing I have complained about countless times to you. The last complaints I filed were, XXXX and XXXX. There were many before that. You sent me an email saying the issue was closed and the company responded. No the issue is not closed and no, the company did not respond. You are doing nothing to assist or facilitate the problem here and US Bank Reliacard is doing nothing to return my stolen funds to me. They did not respond to my dispute now, and they have not responded to my dispute before. I keep telling you this. US Bank Reliacard owes me for my disputes that involve a government issued, ID verified, payroll card from the Kansas Department of Labor. My card was stolen without my knowledge or permission. My card was used at an ATM, at a credit union I am not a member of, nor do I use their services. I have provided my GPS locations on the days in question proving I was no where near when the stolen card was used. I have witness statements that verify I was no where near when my stolen card was used. A sworn affidavidt! I did not make these withdrawls. The very first time I filed a dispute with US Bank Reliacard, they denied my dispute without providing a valid reason. They instead offered me a monthly statement, which I already have many of, and made a blanket statement that did not provide any information what so ever. I have requested the documents they used in their decision making process and again, I get nothing but a monthly statement. This statement is not evidence of anything other than the transactions I did make, and the transactions I did not make. US Bank Reliacard continues to provide me no explanation, no evidence, and has yet to answer a single question I have asked them. To add insult to injury, US Bank Reliacard has gotten even lazier about addressing the issue by not addressing it at all. Yet again, on my last dispute, US Bank Reliacard did not even take the time to look over any of my evidence or documentation. Instead, I received a copy of the monthly statement and the denied dispute letter, that was a copy of the denied dispute letter and statement from the time before, which was a copy of the original dispute letter and statement. Do you follow what I am saying? They are not looking into anything but instead just printing out the same garbage they have always sent while continuing to avoid this problem. I am furious! Make them provide me evidence. Make them answer my questions. Hold them accountable already! If you can not do that I fail to see what, if any, purpose the CFPB serves. Do you just take the complaints I write here and mail them to US Bank Reliacard or what? Is there a real live human being at the CFPB, that can call a human being at US Bank Reliacard, and ask them to answer my questions? Those questions again are : XXXX. In what way does US Bank think I benefitted from the fradulent ATM withdrawls? XXXX. What evidence does US Bank hold that puts me in the location of the fradulent ATM withdrawls? XXXX. How can US Bank derive a pattern of use at an ATM, which I have not used, other than the pattern being that I have not used the ATM at that location? XXXX. What specifically does US Bank Reliacard claim to possess that is evidence that these were not fradulent ATM withdrawls that occured after the theft of my government issued payroll card? XXXX. Why does US Bank Reliacard not have to adhere to the customer agreement we had in place? XXXX. Why does US Bank Reliacard feel that they can violate regulation XXXX by denying me provisional credit when the agreement states they have XXXX days to make a decision without issuing credit, when the response to my dispute took them 26 days to reply? The next questions are for the CFPB : XXXX. Why do you allow US Bank to continue to avoid these questions? XXXX. What precisely has the CFPB done to address any of the complaints I have lodged against this criminal organization posing as a bank? XXXX Who is in charge at the CFPB? How do I contact them? XXXX. Do you ever read the responses that US Bank Reliacard has provided me in the past? XXXX. If so, why have you not noticed that they are in fact not providing answers to my questions? XXXX. Why do you continue to allow this? XXXX. Why is it okay for US Bank Reliacard to just print off more copies of the same old monthly statements, over and over, and call that a valid response? For the love of XXXX, do something about this already!!! Do your job, and if this isn't your job to facilitate this matter, direct me to someone who can do the job for you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 671XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are over 31 hard inquiries on my report I do not reconie. XXXX XXXX resent, XXXX XXXX XXXXXXXX XXXX recent for car there is 3, loan inquiries did not do, us bank, XXXX XXXX XXXX debt consolidation. all but 3 are in correct
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98001
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. Account Name : Account Number : Charge : Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. Also, make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. XXXX thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a savings account with U.S. Bank that has not received an interest payment since XX/XX/2022. I have called to have this corrected, and I keep getting the same response " It will be credited this month ''. This has not occurred, and no one seems to care because it is a smaller dollar account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I want my account closed but as requested on or before XX/XX/22 but they have refused to acknowledge my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My name is XXXX XXXX and I was contacted by a number ( XXXX ) XXXX on XXXX XXXX regarding an account that I opened up with XXXXXXXX XXXX back in XXXX. The account went into over draft in XXXX, but I was XXXX in XXXX and was released in the middle of XXXX. I told the person on the phone that i was XXXX and i was trying to get a fax number but she was rude and unprofessional and was arguing with me about what i was saying. They said that I have 2 civil suites being filed against me but I keep telling them I was XXXX and they keep saying they don't care. She also said that she was gon na XXXX XXXX papers and contact my wife who wasn't even with me at that time nor was on the account. And than she hung up in my face all the associates hung up in my face. I was requesting a cease and desists because I know the statue of limitations ran out. They call me multiple times a day and leave multiple voicemails. I never respond because I don't know who it is. Can you please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A