Date Received: 2022-12-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX my US bank checking account was restricted after I received a XXXX loan from XXXX XXXX and I withdrew XXXX. I was told I would receive a cashier 's check within 60 days after account was closed. On XX/XX/XXXX I called and was told that the check was already in the mail and if I don't get by Friday call back. I called back on XX/XX/XXXX and discovered that was a lie when rep told me a check was never mailed out. Then a senior relationship manager told me that the funds were returned to the originator which was the second lie. I called XXXX XXXX and they said they never received any funds and for me to call back and get the check info US bank supposedly sent. After that call the US bank retail branch called me and said he actually had the funds in a general ledger and if I wasn't going to come to branch I would have to call US Bank XXXX to get a check issued. When I called they opened up a customer care unit request and I was told they would resolve within 3 business days but I never got a response. Then on XX/XX/2022 I called again and was told they refuse to send me my cashiers check unless I come to branch or do a virtual meeting. Even as I've received letters from the branch at the address on file saying a cashier 's check would be sent upon positive balance closure US branch continues to violate my rights and is withholding funds I have to pay back with interest to XXXX XXXX. Please have them mail my cashier check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was charged twice for a transaction from vroom in the amt of XXXX for the downpayment on a vehicle that i purchaced. XXXX does not show the XXXX pymnt when i contact them due to me only buying one vehicle. placed in dispute with reliacard us bank in the middle of XXXX and they have been coming up with every way possible to drag the dispute out all the way until the end of XXXX. they sent a letter claiming i did not submit the requested docs over the day after they recvd the final requested documents. i have proof of all faxed docs and success of these. i have faxed proof over to them as well and have yet to hear back. i have all proof that they have been sent the requested info and yet they still claim nothing recvd and do not have anyone to speak with and cust svc agents are rude and nasty. so you hit a brick wall
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This complaint relates to US Bank account number XXXX. ( co-borrowers XXXX XXXX and XXXX XXXX ). We have had this loan with US bank for approximately 6 months and have never incurred a late payment until we tried to schedule the monthly payments to auto-draft. For the months of XXXX and XXXX we mailed one payment and called in the second payment. Both were made timely even though there were issues receiving the monthly invoices. To avoid the issue of receiving the monthly invoices, in XX/XX/2022 I signed the necessary paperwork to allow my bookkeeper to enroll the payments to be auto-drafted. My bookkeeper confirmed that all payments forward would be paid via auto-draft. The same month, XX/XX/2022 my bookkeeper contracted XXXX and has been off work on XXXX thru to date. I am unable to communicate with her about this payment or any other issue. Immediately upon learning that the XXXX and XXXX payments had not been made and confirming with my bank no auto-drafts had been executed, my new bookkeeper made both the XXXX and XXXX payments on XX/XX/2022. Additionally, the new bookkeeper made sure to schedule the payments to auto-draft in XX/XX/2022 and forward thru the term of the loan. My new bookkeeper has confirmed that the XXXX payment did in fact auto-draft on XX/XX/2022 and can see online that the XXXX payment will draft on XX/XX/2022, In the interim, US bank XXXX to the various credit bureaus the late payments for XXXX and XXXX which drastically impacted my credit score. I have never had late payments on any of sorts and my credit score has never dropped this severely. I think it's unfair of US bank to report me and my partner to the credit bureaus when we were not receiving invoices and trying our best to set-up the payment to auto-draft to avoid the issues we are now facing. I can't communicate with my bookkeeper who is out on leave because of health reasons or I would check to see if she had any communications or confirmations in XXXX when she originally tried to schedule the auto draft. We were unaware that the account was delinquent until an email was received by our accountant from XXXX XXXX ( XXXX ) alerting us that the bank offers hardship options. Even two months overdue, we had not received a notice in the mail alerting us that the payments were delinquent. We received the email from the bank on XX/XX/2022 and we paid both delinquent payments on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I called US Bank to dispute charges on a non stolen debit card from the dates of XX/XX/XXXX - XX/XX/XXXX the total amount stolen was XXXX through a XXXX XXXX account. The bank gave me provisional credits which it later revoked totalling XXXX. Not only is the amount revoked higher than the original complaint but they also refused to give me my money back which was clearly frauded and verified through XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a letter on XX/XX/2022 from my branch indicating that they were closing my account for irregular activity and that they would mail me a cashier 's check within 15 days. It's been a year of going back and forth with US Banks Branch, fraud department, and Risk Department and I've yet to receive my funds. They froze {$10000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like us bank would prefer I die rather than help me- just judging from their continual assassination of my supposed character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I purchased an on line golf instruction video. The company wrongly added additional services I never asked for. I received a bill and noted these additional charges. I called and had them removed, and even had a reference number. I never got a bill from US Bank again but I logged on to the account to check. This is when I found out that the golf company never removed the charge. I also found out that I never got a bill as I was now on " paperless '' payments with US Bank. I was never on paperless billing and have been paying bills for years. This I never knowingly requested, nor was I aware of this change and I had never begun the process of changing over to paperless banking. It is quite elaborate and one has to submit a routing number to a bank, etc. I called US Bank and discussed my concerns. I gave all the information about the on line golf company, including the reference number. The US Bank rep noted I may have " clicked '' on something when logging in to US Bank that changed my billing preferences. I pointed out that when I was logging in recently, I may have inadvertently checked request for paperless banking. That was how the on line page was set up. I requested she send a note to their IT dept, and clarified I did not want paperless billing. I went to a US Bank office and paid the bill in person.US Bank sent a form requesting the same information as I gave over the phone. However, When I received the letter it was " Due '' three days later. It was going to be late. They said they never got it and so, could not reverse the refunds for the late fees, etc. US Bank has all the dates and information. If they deny it, they are lying. They lied about me requesting " paperless " banking and changed their on line form. I, with my wife present, logged back in since and had to actually search for the page requesting paperless banking, so there is no way I did this before. Their page setup had been changed on line, so a person might click on this choice in the very beginning. Same un ethical practice as XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX XX/XX/XXXX I opened an email from US Bank telling me to activate my credit card account ending in [ 4 digit number ]. The email was time stamped XX/XX/XXXX at XXXXXXXX XXXX and came fro XXXX. I called the number in the email : XXXX XXXX to let them know I had not applied for any credit card with US Bank in the last 18 months. They asked for my social security number and I refused to provide it. They asked for the account number and I gave them the [ 4 digit number ] provided to me in the email. They said they needed the whole account number. I explained I don't have one and asked they look that up with the data they had sent me in the email which was my former name " XXXX XXXX '' and the [ 4 digit number ]. They said they had to have my social security number or the 16 digit credit card number. I refused to provide by social security number. The lady at that number said I would have to call back M-F, XXXX XXXX XXXX XXXX XXXX CT. Seriously, I asked? I'm trying to report a fraud and you want me to call you tomorrow between XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT?? She got annoyed, was rude and hung up on me. There is an email address in the email to use so I did : XXXX. I emailed them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received a letter via XXXX providing the same [ 4 digit number ] and REF number : XXXX. This letter has my former name and a former address and says " we are concerned that the information on the application may not be accurate or that you did not apply for this credit card ... '' Provides another phone number XXXX XXXX and says " specialists are available from XXXX XXXX XXXX XXXX XXXX XXXX '' M-F. I called them again on XX/XX/XXXX. They were rude again. I emailed them again. The two emails and their letter are in the attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX payments sent several times before but in XXXX - XXXX the funds were not received by the recipient. The bank shows it being withdrawn but cant say where is went. The money is missing from my account and not received by the recipient as it usually does. Nothing changed from one transaction received to the ones that didn't. The bank doesn't know and says call XXXX and XXXX says to call the bank. Where did the funds go
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges were made in XXXX XXXX by someone who is not me. Initially, the bank refunded the charges. Then after their " research '', they recharged all the charges except XXXX. The difference is approximately {$700.00}. I was told today that the " research showed '' the card was " used in person '' despite being with me in XXXX There were charges by me in XXXX, XXXX XXXX where I work ) the day before the fraud and I called to claim fraud the day after they posted. I have canceled the card as of today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A