Date Received: 2022-12-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received a call on XX/XX/22 from someone indicated they were with XXXX and asking if I had made an online purchase on XXXX and used my XXXX XXXX for $ XXXX. They wanted me to confirm that this was correct. I stated that I did not make a purchase and they wanted me to verify my card number which I did not do. I then proceeded to ask them where their office location was and all they would tell me was they were located in XXXX but they could not give direct address for privacy concerns. I was then transferred to another individual who stated they were from US Bank ; I told this individual that I did not own any cards issued by US Bank. He then used some profane words towards me and hung up. I don't need anything resolved from this call but wanted to make sure to report the number and incident. The number I received a call from was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: For the past XXXX XXXX or so, I tried to use the card at my XXXX XXXX XXXX XXXX XXXX They declined the card I used many times. I called the credit card many times. All I get is hang-ups or say it's not their card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I receive an annuity payment from XXXX XXXX in the XXXX which is deposited as a international wire transfer into my US Bank account each XXXX. The annual payment is for XXXX. When I received my first payment on XX/XX/2021, I received the dollar equivalent of {$4400.00}. This month on XX/XX/XXXX, I received the amount of {$3400.00} which is not I believe coincidentally the exact amount in pounds sterling that was deposited by XXXX XXXX. When I contacted US Bank about this on XX/XX/XXXX, they said they were unable and unwilling to tell me the exact amount that had been deposited in my account. I believe that US Bank has made an error in not converting the pounds sterling deposit they received into dollars. I have verified with XXXX XXXX that they made the deposit by international wire transfer this year as they had done last year. I have attached a cover letter from XXXX XXXX showing the details of the annuity payment and also a screenshot from US Bank showing the deposit amount in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: U.S. Bank has been charging me XXXX XXXX interest on a cash advance for {$160.00}, but for some unknown reason, the money was removed from the cash advance category and added to my account balance, which is thousands of dollars. I contacted U.S. Bank on XX/XX/2022 and spoke with customer service and requested to pay off the cash advance to eliminate the XXXX XXXX interest charges, but was told that I couldn't do that unless I paid the entire balance in full. I informed her that I could not afford to pay the entire balance at XXXX time and that trying to do so would cause me serious financial distress! She was indifferent to my situation and continue to repeat their policy. At this time I told her that this was very unfair and I would be filing a complaint. In addition to being prevented to pay off my cash advance, U.S. Bank has also been charging me added interest on my card that was not listed on my billing statement under, " Interest Charged ''. After paying the interest on my monthly billing statement each month, several days later U.S. Bank has been notifying me, via email that I am being charged for a " Purchase '', but the reality is that it's more interest payments! On my latest due date billing for XX/XX/2022, it stated that my interest charge was {$310.00}. But after paying the added interest of {$280.00}, I actually paid {$590.00} interest! And when you factor in my XX/XX/2022 automatic payment of {$690.00}, my total payment for XX/XX/2022 was {$1200.00}! U.S. Bank taking money from my cash advance category and placing it into my account balance category thereby making it impossible for me to pay, and charging me added interest that was not included for payment on my monthly statement is highly irregular and should be cause for an investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I have a problem with US BANK car lease. I leased a car thru the dealer and they financed me with US BANK. I had 42 month payment and a residual of {$27000.00} to pay off the car at the end of the lease to buy it off. I had a car accident XX/XX/2022 and my car got total loss. I had already made XXXX payments and I had XXXX payments remaining. XXXX payments $ XXXX residual payoff {$27000.00} totaling= {$37000.00} My Insurance paid US BANK {$49000.00} and they profited {$11000.00}. They sent out a check to me for overpayment of only {$1000.00}. While US BANK profited from my accident, I had to purchase a new car at a higher rate and gave me financial loss. They should have only taken what was owed to them with the contract they had with me was the remaining payment plus the payoff to take the car. I did not break the lease I had paid upon agreement and was unfortunate to have a car accident. Now, I am paying extra to get another car and has put a burden on me financially.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Payments totaling approximately {$18000.00} were scheduled to be delivered by XX/XX/2022 for my payees via XXXX XXXX. The payments were allegedly sent on XX/XX/2022. XXXX of the payments never reached my payees and the checks never returned as undeliverable. US Bank does not have evidence to prove the checks were sent that they can share with me. Supposedly checks # XXXX and # XXXX were mailed but there is no proof they can provide. Other checks were delivered only two days ago to other payees. I suspect the Bank did not even send the check timely or at all in a scheme that allows them to use the money on the markets such as XXXX XXXX for their own gain. A total of approximately {$18000.00} has not been delivered timely - over 20 days whereas normal delivery time is 2-3 days. Both me and my clients are experiencing more than inconvenience as this type of transactions affects time and money in a financial environment where time is money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The US Bank account was suddenly closed without any warning. I received a letter stating I was to receive a cashiers check with the remaining ballance of XXXX and next thing I know the account balance dropped to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
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: Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response. Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to no response.
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: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Mailed Check was stolen and altered amount, payee and written amount. Original amount was {$120.00}, altered to {$820.00}. Money not returned to our account since we filed fraudulent affidavit with US Bank in XXXX CA, XX/XX/XXXX, XXXX Bank has since closed in our area. Numerous calls to US Bank Fraud Department with many promises and no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Account was hacked and depleted. I contacted US bank and they investigated and said they wouldnt do anything. XXXX was used to withdrawl {$130.00} out of my checking. Then XXXX was used to withdrawl {$130.00} from savings then once those cleared XXXX was used to withdrwal {$3000.00} from savings clearing me out completely. I have never used XXXX ever. I told my bank that I never authorized this and there should be some protection for this activity. The fraudulent user went under a name of a XXXX XXXX XXXX XXXX. I asked US Bank that they should have some sort of fingerprint of the transaction and we could be able to go to that user but they said they would not assist. They said everything was done on a device they recognize. I have filed a police report. Im not sure what else to do. There are reported issues with XXXX and scammers but my bank wont do anything to assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A