Date Received: 2022-12-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: US Bank credit card fraudulent card applied for in my name on XX/XX/2022 by former XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I received notification from US Bank that my business account was in the process of closing for suspected irregular activity, in accordance with the terms and conditions of the Deposit Account Agreement. In the letter it stated if i had questions to contact to a number that is no longer working. ( XXXX ). Therefore, I contacted the customer service number on the back of the debit card and for 3 hours I was transferred to about 15 people that still could not provide answers. I asked if I could at least pay my account to a XXXX balance and was told since there was no local branch in my area I could : 1. ) XXXX from another account- which did not work 2. ) Wire transfer- which was not true 3. ) Recovery department could not take a payment because my account was not officially closed Then after calling back from all the failed attempts the next day ( Friday ), I was setup with a virtual call with a branch manager at XXXX XXXX XXXX XX/XX/XXXX XXXX to only be called by a banker at XXXX XXXX and was told they was not sure why this meeting was setup. When I explained to the banker that the meeting was scheduled with a branch manager, I was told no one could help me and she hung up. I called back several times with no answer. I also let a very polite email and no response. I called one of the 15 numbers I had been giving previously to file a complaint and of course was told someone would contact me. As of today XX/XX/XXXX, I have not heard from one manager. On XXXXXXXX, I wrote an email to the chairman, president and CEO of US Bank to only receive an acknowledgment from the Executive communication department. As of XX/XX/XXXX, I have not received a phone call from anyone to assist me with my concerns. But only acknowledgement that they received my complaint. As of today, the account is at a XXXX balance but I had to pay more ( {$440.00} ), versus if I was given the opportunity to pay during the 3 weeks of denial ( {$390.00} ), run around and transferred to several different departments that had no clue of how to handle my situation. I honestly feel I was treated with disrespect which makes me feel this was done based on me being a female. No one asked me what the issue was as to why i had the return check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. On XX/XX/XXXX I called to check my balance and heard transactions that were not mine, ( XXXX ) XXXX XXXX dollar bank transfers on XX/XX/XXXX. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: took XXXX weeks to get my unemplement to be approved and finally when its time to collect thru us bank reliacard thats when the issue start i m in my XXXX week now waitting for them to send me a prepaid card but never got it and every time i called the want id verify or they telling me the fraud departement is stoping it. playing games with people money its not a game we have bills to pay and rent to pay and i m not gon na be evicted and live in the street in this cold wheater becouse those people dont care or dont know how to do their jobs their custmmer service is not trained or have the knowledge to fix problems or find a solution. fighting the scammers by punishing innocent people like us is not the right way to do it. us bank not a good choice for a goverment contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45241
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is the XXXX instance with US Bank where in I have had trouble with escrow recalculation and refunds. This complaint is for loan no. I have already paid the house tax for the year XXXX, in addition I have also paid the insurance premium for XXXX. I had called in early XXXX to get my escrow recalculated and a refund issued for the same. US Bank organizes all these departments differently, so while my tax liability for XXXX was set to {$0.00} no escrow recalculation was done. US Bank makes it hard to share information about tax/insurance payments, get escrow recalculated, does not track to SLAs on these requests and when customers call to get status or why there is a delay they are given the run around again. I was told my escrow recalculation would be done by XX/XX/XXXX, it was not. On calling in today, again I was given the loop by being redirected to the tax department again who did not pick the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Due to them saying Im either not a customer or authorized Im re doing this complaint because 1 after around 3 weeks i finally was told what document was need and am in the process of getting said document and 2 this complaint is still about them being informed of someone acting like me to make changes to the account ( probably why i cant be pulled up now even though all reps on the first day around 3 weeks ago said the account was mine ) my mother did in fact start the account for me as a minor via a court case i have reached out just in the first day alone atleast XXXX times and atleast XXXX of those times being fraud reps trying to access my account i even spoke with an ambassador who also confirmed the account was mine but the main issue here is the fact that i informed so many reps many being fraud reps, the ambassador witch informed a district and regional manager about someone pretending to be me and they still proceeded to contact the number that they was informed not to due to identity theft and not one single rep done anything to protect the account i was even told to not file a police report at the time by the ambassador because apparently it wasnt needed and i have the messages still alot of people here were informed of the situation and definitely at the time when i still had decent access no one done anything i now can not be pulled up and its not because of this situation because my mother is still 100 % able to access her part of the account with no issue oh and i cant forget to mention the rep over the phone literally asking for mine and my moms personal information for a suposed form and come to find out she got our information and you cant do that form over the phone i mean what do i need to provide as proof? The fact that i have the account number? Or the routing? Or maybe the exact balance? Or possibly the hours upon hours of calls to the XXXX customer service line? Or maybe the calls to the branches? Or maybe the call a branch made to me? Or orrrr the court case file from when i was a kid? What proof is exactly needed? How is it ok for a bank to be informed MULTIPLE TIMES about someone acting as me and allowing changes and XXXX knows what else to be done? Will getting the screenshots from the posers messages or the ambassador be suffice enough? This isnt ok with me that not only did someone i know act like me but a US BANK worker got mine and my moms social and other info and done XXXX knows what with it..almost a month later and still circles even when trying to file a complaint about them the only helpful person at this company has been this lady from the XXXX california branch shes the one that knew my local branch was in the wrong for not telling me what document i needed so she personally got on the phone when i called to inform me ONE person out of hours and days of people has helped me in this entire situation regardless of whats needed to gain the accessthe allowing someone access once informed is wayyyyyyy to wrong for me to not say anything and honestly hopefully i can get access once my lawyer helps get this document for me because of the changes made because if not i wont sit and stay quiet about it at all allowing this person access has completely messed up this entire situation its one thing if they wasnt informed but they was many many times and nothing was done to protect me or my mom and being told to not file a police report about it..that was asked because i have never dealt with someone acting like me and i was completely informed the way wrong direction i really hope this complaint gets somewhere im already beyond annoyed and frustrated nobody has even attempted to reach out even after multiple messages on social media or calling branches i just want whats mine thats it and thankfully because of one person im on that track but i do think people need to know that when i informed them of a major security issue nothing was done oh and i find it real concerning that after i make a complaint now i cant be pulled up with my name, social and account number but my mom can? Irony.real weird that thats an issue once i made the complaint.i can provide them with almost anything they need just about the account let alone all the numbers for it and to it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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: I am writing to you because US Bank is violating the FCRA. I filed a dispute regarding an inaccurate Date of Last Active. They were reporting it as XX/XX/, this account was paid off and they are also reporting a balance. This is another inaccuracy. According to the FCRA furnisher must pay {$1000.00} per violation of account is not corrected. In this case it has not been corrected so it must be deleted from my credit file. I have records of the disputes and was advised by my lawyer that I am able to file a law suit with the evidence I have if this account is not deleted. Please investigate this matter. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was approved for the XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 ( See attachment ) XXXX XXXX mailed payment on the first of each month to the service provider ( US Bank Mortgage ) service provider received the payment around the XXXX day of each month. I make my mortgage payment of {$360.00} XXXX on XX/XX/2022 loan balance was {$47000.00} ( See payment history ) On XX/XX/2022, and XX/XX/2022 total of {$720.00} Instead of applying each XXXX payment to my mortgage, they deposit it in a suspense balance. ( See attached ) Now my loan balance is {$47000.00} this is incorrect. please investigate my payment history and make adjustments accordingly. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Have contacted US bank by phone ov er five times on different days now to try and understand why my externals transfer 's ability was suspended. Ridiculous, over five calls and the issue is not fixed. Told twice by reps that the hold was removed, and should work within 24 hours. That was several days ago. After 48 hours, called again, spoke to another rep, who said it should be removed within 24 hours. Absolutely ridiculous, unable to transfer money from my bank account to my other bank accounts. Such poor customer service, that I've had to call over five times, spend over 15 minutes on the phone each time, and told that the issue is resolved, which is clearly wrong, or a lie. US bank need 's serious overhaul, fix of their procedures, and representatives knowledge. No customer should be locked out of there account for no reason for multiple days, with multiple representatives giving wrong and incorrect information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received an email saying my phone number changed on a US Bank account, which I dont even have. Then the next day ( XX/XX/22 ) got an email from XXXX saying I had a new hard inquiry. I called US Bank and they said a XXXX XXXX credit card was opened but that they were closing it down. I called all three credit agencies and placed fraud alert on accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A