Date Received: 2022-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My social security card was stolen recently then when I checked my bank account I noticed a fraudulent charge of {$200.00} from my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90731
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: Managing an account
Subissue: Banking errors
Consumer Complaint: At the end of last year I opened a Bank account with my Ex at US Bank. When asked if we wanted Overdraft protection we declined and and specifically told the banker that if there was not money in the account we did not want our cards to allow any purchases. When we separated I stopped using the account and my ex continued to use the card and was able to use the card even though there was no money in the account and we accrued several over draft fees. The mail was going to his house and he did not check it or know that we had an outstanding balance. The account was sent to collections and dropped my credit from a XXXX to a very low scored. When I have gone into the bank or called, everyone acknowledges that we signed documents declining overdraft protection but has no way to help us. The late fees have accrued to such a high amount that I am drowning and have not been able to pull it out of collections which will make it very hard to find housing when my lease is up. I am completely lost as to what steps to take and the institution has no solution but to make me pay which I do not feel is fair or legal. The closed out the checking account and put the balance on a reserve line of credit that we never signed for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to US Bank resulting in a fraudulent credit inquiry on my XXXX credit report from US Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both US Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. US Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent US Bank inquiry removed from my XXXX credit report. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by US Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello US BANK, this is XXXX and Im writing about my US BANK account I recently opened, Im requesting for that checking account to be closed and online ID closed as well. I would like a cashiers check mailed to me in the amount of {$25.00} ( the funds in account from my initial deposit ). Thank you- XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello US Bank, im reporting today because I've been having issues with your online banking for some reason. I just made my online account for the first time on XX/XX/XXXX, XXXX my account was locked right after for no reason and I got it reinstated today XX/XX/XXXX after 48 hours. After having it unlocked, I applied for a second checking account and once again.. Online User ID Locked. not sure what's going on but I literally haven't been able to use my bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX there were fraudulent charges made on our credit card. An account was set up with automatic payment to XXXX for {$78.00} weekly to deliver food. Other fraudulent charges were also made. We finally resolved the issue with the credit card in XXXX and got those charges credited back. This was difficult to do as the credit company kept issuing new credit cards and allowing the new numbers to be given to the automatic pay for the XXXX account. We were told that even if we close the account, the dinnerly company can still charge us on the credit card. In XXXX we were charged with a {$110.00} charge from XXXX that is also a fraudulent charge. We reported that on XX/XX/XXXX. The Charge was supposedly made on XX/XX/XXXX. The credit card company gave us a provisional credit on XX/XX/XXXX and then reversed the provisional credit on XX/XX/XXXX. My credit card statement for XXXX has a provisional credit for {$110.00}, a charge ( dated XX/XX/XXXX ) for {$110.00}, and a reversal of the provisional credit for wordpress for {$110.00}. Thus I have been charged 2 times for the fraudulent charge. I am unable to convince the credit card company that this is a double charge of a fraudulent charge. I had a representative from XXXX insurance on the line with me for over 3 hours today to try and straighten this out. We spoke to 6 different people, none of whom could explain what the charges were for. One person actually told me that the reversal of the provisional credit appears as a debit on my account but that is is not a charge and not added to my balance. There is not one person who can help us clear these charges. I have personally spent over 80 hours on the phone since XX/XX/XXXX trying to get fraudulent charges taken care of and we still have no resolution. The company has NEVER returned a phone call, even when they say they will and say they have record that they did. I searched my phone calls and there is no call from them. As of right now, someone is going to look over the account ( after 6 people already have today ) and determine what happened. Supposedly someone MIGHT issue a credit. I have asked to be called, emailed, and a letter in writing that this account is zeroed out. The account has been closed since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49316
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello US BANK, this is XXXX and Im writing about my US BANK account I recently opened, my online ID IS locked and I literally just set it up on the XX/XX/XXXX. There is only {$25.00} in the account from my initial deposit, not sure whats going on with my account but I cant use it. Thank you - XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: in XX/XX/2021 I talked with XXXX XXXX XXXX of XXXX, because i had fallen a few payments behind and i was scared i was going to lose my home. So i gave them XXXX or XXXX XXXX dollars to start my case and i filled out with my signature a cease and desist form for my morgage with us bank. Then i was suppose to fill out more paperwork and send them more money. They started being real pushy and I suspected fraud right away. So I told them in email i wasnt going to be using there services. And i felt they were fraudulent. Months later when i went to do my taxes. I noticed them on my tax paperwork. I went to the bank, they actually were rude to me as if i was crazy. I felt discouraged and time went by. Im talking to morgage assistance yesterday and they pointed them out on my morgage statement. I had no idea they were on it. I called the bank I told them to take them off of person of contact they are fraud. She told me she could not do that.. Im upset that i never signed any paperwork or any contracts with them and i didnt do any of there obligations they said i had to do in a timley maner. now when i go to talk to my bank they cant help me out. I have proof of emails telling them i was not using there services. I cant believe the bank will quickly put them on my morgage. I have not gave them any money I have been paying the bank my morgage each month to us bank. Im so afraid. They are trying to take over my home. Espacally I never did any business with them. What do i do next?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Back in XXXX, I canceled the credit card with US Bank. The service agent promised USBank will refund my the {$99.00} annual fee charged in XXXX. But it never refunded to me, I called again in XXXX, and the service rep said they will requested it. On XX/XX/XXXX, US Bank sent a letter saying they will not honor the refund. I should receive the refund as the US Bank agent promised me back in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX the XXXX my company had our annual XXXX dinner at a restaurant, my employer always hands out our XXXX bonus checks same amount every year of XXXX. I tried to deposit the check through our mobile app and it approved it but returned it after a few days. I called the bank and they said reason for rejection is because the account number was really blurry on the companies check, she told me to bring it into the actual bank and deposit it there and I did. Now they are trying to say they might or are going to close my account, because they think the check is fraudulent and my account is on a hold. I just want to get my account out of the hold because I have direct deposits and more going through my account its XXXX time, I have adopted children and my daughter that I have to take care of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A