Date Received: 2022-12-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am the beneficiary of my late husband 's traditional XXXX XXXX account held by U.S. Bank. I notified them on XX/XX/XXXX of his passing. All requested paperwork was mailed XX/XX/XXXX to : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( that US Bank specifically requested ) was resent via mail and fax on XX/XX/XXXX. Spoke with bank clerks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I am the sole beneficiary of the account and am requesting the account closed and check mailed to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17202
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am having a continual issue of opening up a checking, savings, and secured credit card account with U.S. Bank due to having previous U.S. Bank accounts that was XXXX under XXXX XXXX bankruptcy 2 years ago and me having a previous bankruptcy on my XXXX XXXX, XXXX, XXXX, and XXXX XXXX credit report. U.S. Bank is refusing to open any accounts for me due to the previous accounts that was XXXX in bankruptcy in the U.S District Court District of Minnesota Bankruptcy Court. U.S. Bank is discriminating against me based on my previous relationship with the bank, based on my race, income, and me having a previous bankruptcy on my credit reports. U.S. Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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 filed a dispute in the amount of {$2600.00} on XX/XX/XXXX to US Bank and XXXX under the following categories. My dispute number is XXXX. Charges on goods or services that weren't delivered. Charges for goods or services that are received by not as described. This is part of the Fair Credit Billing Act ( FCBA ) enacted to protect consumers from unfair credit billing practices and enables individuals to dispute unauthorized charges and undelivered goods or services. I submitted all documents showing that the merchant is doing fraudulent business and the service has not been delivered. However, US Bank and XXXX made a FINAL decision favors the merchant and does not allow me to appeal/reopen since Ive signed an agreement of no chargeback and no refund. I disagree with the decision. I made multiple phone calls to reopen my dispute but all the requests are denied. I requested copy of the merchant response after being informed the merchant submitted XXXX pages of response to my dispute. I havent had any rebuttal response chance to the merchants response. Ive received only XXXX pages of merchants response and all agents and even the supervisor said this is a FINAL decision and there is nothing they can do since I singed it. Even though I signed the contract, US Bank and XXXX must have policies based on the FCBA that supersedes the merchants return policy if the product is " significantly not as described '', " misrepresentation '', or not as advertised. The merchant has been misrepresenting themselves and has been selling faulty product and not fixing and refunding it. Misrepresentation is illegal in US. This is my first dispute with US Bank since I have been a US Bank customer from XXXX. I am attaching all documents Ive submitted. The merchant information is as follows. XXXX XXXX has been selling counterfeit product. They have been doing their sales based on the XXXX XXXX clinical experiences as a physician and as an US trained doctor, he has been selling how to make $ XXXXXXXX XXXX XXXX monthly passive income and achieve financial independence without working more hours. The purchase includes access to the website with lecture materials, access to the online community, and weekly feedback sessions with XXXX XXXX for 90 days. Their dominant and primary service is the weekly feedback sessions with XXXX XXXX. Their product is not digital product. They have been selling service. I havent received the weekly feedback session. I requested cancelation ( XX/XX/XXXX ) a day after payment ( XX/XX/XXXX ). They and I, both parties, have recorded sales presentation session which was free occurred before payment. Therefore, the merchant response showing access log on XX/XX/XXXX and 74 % course completion are all false statement. I even realized after talking with a credit card company representative that the transaction was international charges in XXXX XXXX. The sales rep ( XXXX XXXX XXXX, who is also the president of XXXX XXXX XXXX said that XXXX XXXX is an emergency doctor trained in XXXX XXXX and the United States and has vast experience in business as well, which qualifies his teaching where he has successfully guided many doctors making passive income. All their website XXXX has advertisement that he is an ER doctor. Based on National Provider Identifier Standard ( www.cms.gov ), all health care providers who are HIPAA-covered entities, whether individuals or organizations, must get an NPI. All doctors during training ( residents ) and who finished their training get a National Provider Identifier ( NPI ) number, which XXXX does not have. XXXX information is public records in the United States. No information is found with name of XXXX XXXX NPI number. The identity of the XXXX is also in question. No medical training information in the United States is available. XXXX has not been trained in the United States and he is not an US physician as he and the president of XXXX XXXX XXXX XXXX XXXX XXXX ) described. XXXX XXXX is a scammer who pretends to be a US trained doctor and deceives people. I believe that I am a victim of high-level fraudulent organization or scam. XXXX XXXX does not have credentials to say that he is trained in the United States and is misinformed about his credentials that qualifies him to teach US doctors or US health care professionals. This is an intentional fraudulent statement that the rep ( who is also the president of XXXX XXXX ) repeatedly gives to consumers advertently to lure customers to purchase the course. I realized all these facts after paying money. No one would buy this product or pay money for their service if they knew XXXX XXXX XXXX finished his emergency medicine residency and hasn't even started his residency. I am also attaching the response from XXXX XXXX XXXX of XXXX XXXX showing XXXX XXXX is currently not included on the XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX ( the Council ) and the response from XXXX XXXX XXXX why he is not allowed to represent themselves as an XXXX physician trained in US and XXXX XXXX. The official agencies support that this is obvious misrepresentation since he has not finished his residency. Additionally, I have been reporting my case to scam reporting sites.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
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 credit card statement dated XX/XX/22 showing a charge of {$260.00} that I did not recognize. I contacted Fidelity Rewards Credit Card on XX/XX/22 about the charge and told them I did charge a sandwich at food truck on that date and cost was {$15.00}. The Fidelity representative stated that this was a likely a fraudulent charge and provided a provisional credit of {$260.00} and said they would research. They also canceled card and provided new card number. On XX/XX/22 Fidelity reversed the provisional credit and provided a receipt from a XXXX XXXX XXXX XXXX XXXX in XXXX Ohio XXXX see attached ) showing a 'custom amount ' {$15.00} charge plus another {$250.00} XXXXcustom amount '. I have never been to XXXX XXXX XXXX XXXX and again contested the charge to Fidelity. During the week of XX/XX/22, after multiple attempts, I was able to contact the owner of the XXXX XXXX who said he also owned a food truck. I described the problem and he agreed I should not be charged the additional {$250.00}. He requested I contact the credit card company and have them review it again. At this point, I again contacted Fidelity, but the dispute department at Fidelity stated that the decision on the matter was final and they refused to further review. I have been fraudulently charged {$250.00}. I feel I should be protected by the laws regarding credit card transactions. I have been charged an amount for something I did not purchase and Fidelity is refusing to correct the issue or work with us in an attempt to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX I obtained a business credit card with US Bank, this card was held in the name of a corporation. In XX/XX/XXXX I fell behind on payments because my business was forced to close due to XXXX. I reached out to US bank trying to establish a payment I could afford, they told me they could not lower my payment. I reached out 6 months or so later again trying to establish an affordable payment plan and they told me they could not accept less. According to US bank this account was charged off in XXXX. On XX/XX/XXXX I received a letter stating {$18000.00} had been charged to a joint account I have with a family member. On Monday XX/XX/XXXX I called US bank to explain that they took money that was not mine out of a joint account, they were not able to assist me in resolving the issue. I was never notified that US bank was going to take this action. I wanted to set up a payment plan I could afford and was not able to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My name is XXXX XXXX XXXX not XXXX XXXX XXXX. I have noticed that banks and bank account are getting changed over from XXXX XXXX XXXX to XXXX XXXX XXXX. I have XXXX hackers. XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Who have been stealing money from my accounts. I have not touched a XXXX of the money in any account. I need this to be corrected immediately. I need law enforcement to track down every XXXX these XXXX have taken. Please. They are harassing me and will not leave me alone. Please. Also change the reference XXXX on ally forms. XXXX has passed away and her family is in on trying tos teal everything I have. Please do not reference XXXX with anything to do with any of my accountsm XXXX XXXX. Please be aware that XXXX XXXX XXXX and XXXX XXXX XXXX have a fake passport and a fake POA. Please do not use in any bank transaction. Do not allow bank transfers of any type. In the XXXX and XXXX international. The XXXX and XXXX are no longer an association with me. In any matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78114
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Us bank relia card account been compromised and funds depleted and info compromised with my account last XXXX of my social is it what is on the card account to begin with a long with the correct amount money that has been swapped on the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97601
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have XXXX issues with the US bank XXXX account that triggered me to submit this to CFPB and need assistance to get the resolution right. XXXX I have been repeatedly charged for a paper statement fee. Notably on the most recent statement, i was charged for the paper statement fee although I have changed to XXXX statement more than XXXX days ago, and the us bank agent is able to confirm I changed the setting. I have received the refund after I called in, but this is a very bad practice that many other customer might have the similar situation and they might not aware they are being charged incorrectly. I won't have time to call US bank every month to get the fee waived, so I decided to cancel my XXXX account with US bank due to the ongoing bad experience XXXX When I opened this account, I was given a promotional offer if I fulfilled the XXXX XXXX requirement, It has been XXXX months since opening this account, I still don't get it. When I called in, the agent told me that they can not see an offer on my account. So I think I am being tricked when I open this account. this is another reason I cancelled my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a letter from U.S. Bank dated XX/XX/2022 stating that they are pleased to inform me that a claim that I made against XXXX was approved and a debit of {$360.00} was made to my checking account. However, they took {$360.00} from my account instead. I was on the phone on a recorded line for XXXX minutes today ( XX/XX/2022 ), they transferred my call XXXX or XXXX times and no one can tell me why they took that amount from my account and they need to put the money back in my checking account ASAP. My claim number for that transaction is XXXX. Having said that, it makes absolutely no sense as to why they approved that particular claim from XXXX that is more than 60 days old when they denied my other XXXX claims totaling an amount of {$13000.00}. Their reasoning for denying my claims is that the disputed transactions were more than 60 days ago, but this fraudulent transaction occurred on XX/XX/2022 which was way more than 60 days ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US bank is creating fraudulent information in my name. I have asked them to cease this illegal action and they are refusing. this is not only my right but also their legal responsibility. US Bank is claiming they closed a account in my name in 2018 leaving a balance of {$170.00}. the transaction claimed to have cause {$170.00} in overdraft fees was declined and returned us banks own policies took 5 days to recognize them to charge {$35.00} dollars a day in overdraft fees which they continued to do for 5 days. This practice is illegal. and violates my rights and neglects their lawful duty. i demand this account be closed and removed and i be granted payment for my financial loss pain and suffering for the years of financial harm resulting from this malicious act. this has stopped me from opening bank accounts, getting a vehicle, driving my children to school, maximizing my credit, providing financial disclosers. has given me anxiety dealing with the financial world and affected my ability to live my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A