Date Received: 2022-11-24
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: My checking account was closed by US Bank and there was enough money in my account to cover the two outstanding debits on my account. They closed my account and notified me by mail only with a check enclosed for the balance ( {$60.00} ) the day they closed the account. When the two outstanding items came in they charged me fees and bounced the transactions. And they reported me to XXXX XXXX. I have been unable to bank ever since. It is not my fault that they sent the money back to me that I had in the account to cover the two transactions that were outstanding. I had the money to cover the items in my account. I did not ask them to close my account. I still do not know why they did. The account number at US Bank is XXXX. I rceived an offer of settlement from US Bank, dated XXXX XXXX XXXX The letter says the contact person is XXXX -XXXX XXXX XXXX XXXX Their phone number is XXXX. It says the XXXX XXXX XXXX XXXX XXXX XXXX will be notified of the settled status within thirty days of the date they receive payment. I am not paying them for their own mistake I had the money in the account and they closes the account and sent me the balance without giving me chance to pay the outstanding two transactions. I was notified by us mail only and would not have known the items were outstanding or returned until I even got the letter in the mail and opened it and read it. The entire amount due is bank charges only. This is unfair and I have been unable to regain a bank account at any bank because they reported me to XXXX XXXX. They are discriminating against me because I am poor and other circumstances beyond my control. Please call me to discuss this complaint. It must be resolved. This is my second complaint to you on the matter. I have been to US Bank in XXXX XXXX, CA on XXXX XXXX to try to resolve the issue. The branch manager was extremely rude to me and told me it was too old, just to pay it and get on with my life. He was extremely rude to me. I'm not paying for their mistakes in cash. I have paid for two years now by not being allowed to bank at all. Unacceptable and very expensive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: US Bank is reported my credit report. I have never even heard of them. Obviously someone had connected to my email, somehow " cloned '' my phone. And really who knows what else. I've noticed numerous accounts that are NOT mine. I've tried to reach out to US BANK but I just received an attitude from someone who claimed to be the only person available. And then I disconnected the call. I want the account and all the other ones that DO NOT belong to me REMOVED immediately from my credit report. This is seriously the last thing I need in my life right now. Please REMOVE this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Monday, XX/XX/2022, My elderly mother and I went to XXXX. We went to the cashier to pay for our items. During that time, we starting hearing the commotion between the store clerks, that " they, XXXX '', were having problems with the credit/debit card machines My mother 's card was able to be processed with no problems, but unfortunately, my card did not go thru, but my mother was kind enough to pay for my items. I chalked this up to XXXX 's issue. Then, a couple of days later. on XX/XX/2022, I had to go back to XXXX, for some more items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I went to pay for my items, and guess what happened? My card was once again declined. The cashiers ran my card thru many other check out stands, upon my insistence, because I knew that there was more than enough money on my card to cover my expenses. But my card was declined every time My mother again, paid for my items. much to my horror and embarrassment. Earlier in the day, I had tried to make another purchase online. That was my birth certificate thru the online Oregon XXXX XXXX XXXX. I was having some problems with the purchase, but I had thought that perhaps, it was due to the fact that I had just gone thru a divorce and that my paperwork had not been processed yet, so I sent them an email asking them if there was anything that I could do, to help with the situation. I was wanting my birth certificate, so I could get a star on my drivers license ( yes, I have my drivers license, ODL, but for ID only, not for driving ), so I could fly. I was starting a relationship with a gentleman and we were trying to plan a trip. Needless to say,, he thought that I was making up the problems I was having, He thought that I was making excuses, that I really didn't want to go, so he called the entire thing off -- the relationship and the trip ( XX/XX/2022 ). On Thursday, XX/XX/2022, I tried to XXXX my daughter {$10.00}. That is when I found out that it was my card that was the problem. I called up US Bank XXXX, and a gum smacking customer service rep, told me that my card had been suspended for fraud She had given me an amount that matched up to a couple of purchases previous to XX/XX/2022, and could not tell me the valid reason nor what had kicked off the " suspension fraud alert ''. I was also not notified of any " fraud alerts ''. I have the app on my phone -- if there is an alert, I will get it. I ended up calling administration, ( XX/XX/2022 ) XXXX, and XXXX XXXX, was my first at the administration level. She told me that there will be an investigation and that someone will be getting in contact with me soon. Someone finally got in contact with me XX/XX/2022 at XXXX pm XXXX. I was surrounded by family and did not have anything to write with, so I did not get her name. She called to let me know that me trying to buy my own Birth Certificate was fraud. And that it had kicked off their " automated fraud system ''. All she offered for a solution was " Oopps.. We're Sorry ''.. I have had fraudulent charges on my account before, their system did NOT pick it up, I did. I had to fight a long time for them to clear it up!!! The fought me to clear it up!! They let the charges go thru!!! So their argument of their fraud system is a complete and utter fabrication. They went thru my account, and chose what I could purchase, from my OWN state! I can't even buy my own birth certificate?? With my own money?? My only other option to get my birth certificate is to drive to our XXXX XXXX here in Oregon which is over an hour and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a debit card from MY checking account we are talking about NOT a credit card. This is MY money, NOT the banks money. I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have now suffered immense humiliation and embarrassment and have lost a relationship due to US Bank 's interference. I have documentation, text messages, emails, and phone logs to prove all my claims. This has been devastating to me... I included the last cold text message I got from XXXX. My phone and pc have all the information inside it, and I will gladly hand them both over. I can not find all the places where the information is stored. US Bank has ALL the information, ALL the transactions that were denied, for no valid reasons. I was never given a receipt from XXXX, I was too mortified to ask. You can call down to XXXX XXXX XXXX XXXX. I do not know if XXXX will cooperate, since he is in the entertainment industry, and this might bring unwanted attention. No bank should be able to tell someone where, what, when and who can purchase items with their own private money. I am an XXXX XXXX, born and raised, I have a right to purchase a copy of own birth certificate. This is discrimination, fraud, ID Theft. US Bank, had absolutely NO right to interfere in my life what so ever, let alone in this manner. I can not stress how devastated I am. It took me alot to trust someone.. I don't think I will ever try to date again, or ever try to have a relationship, that is how traumatic this has been.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To Whom This May Concern, I am writing to express my concern that US Bank has unfairly closed my Secured Credit account and made deceptive statements to me over the phone and in at least one letter. Specifically, in a letter dated XX/XX/2022 I was informed that my secured card was permanently closed due to the attached secured savings account funds being " garnished ''. I subsequently called US Bank to ask for detail and was informed that the account was not garnished, instead, a hold had been placed on the funds until XX/XX/2022. The US Bank representative informed me that my account could be saved if I made payment to the creditor which was identified as the State of California tax board. After such a call I immediately made a payment to the State of California tax board, however, my account appears to be having issues online. US Bank markets their secured cards as a way to rebuild credit and I took the responsible action to pay the previously unknown creditor at the earliest possibility. However, I am now worried that US Bank is going to take action contrary to their representations of rebuilding credit by closing my account permanently- despite assurances by support staff that the account would not be closed if payment is made immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I canceled/closed my XXXX account ( checking, investing etc. ) XX/XX/XXXX, proceeding with the following steps and actions instructed on the site. These instructions were concise and pointily. I didn't think I would have any issues or occurrences until the following month XX/XX/XXXX, I received my first charge since the withdrawal and closure of my accounts. I proceeded to contact this company in their chat because I could not get through via phone line. The communication was that I had one feature turned on inside the app which wasn't simply didn't make sense, but I repeated the steps again and ask for a refund. Afterwards, everything appeared to be resolved, I deleted the app. I believe this was XXXX XXXX, I noticed a reoccurring charge on my account of maybe {$3.00}, charging my account. It was so small I hadn't even noticed it until I happened to do a deep dive of my spending for this particular month. I contacted XXXX via phone and ask for a refund. They didn't believe my charges and ask for me to send them an email, but I couldn't understand this because THEY are charging ME. I didn't want to expose my personal account. However, after some research I willing to send documents over to you all. They shortchanged me and refunded me the minimum. I had assumed at this point everything was resolved but no! This was wild! XXXX is still stealing money from me. I was still getting charged after about maybe 30-45 days later and again, I did not notice because the increments are so small. As soon as I discovered it this time, I am frustrated and consulted with a lawyer friend about my options. I had to pay to stop all FUTURE XXXX payments. Unfortunately for me, this is not a free service at my bank. To put simply, I feel taken advantage of as a consumer and anyone who has partner up with this company withdrawing funds from my accounts ... shame on you. I took every proper step. I can only imagine how many others this company is embezzling ( alleged ) money from by doing this. It is especially not okay for everyday worker. Not only was my mental affected by this, but my finances being also tipped to go negative causing over drafts. My emotional being was attacked because were only trying to do our best and it just wasn't good enough!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: For my US bank cash back credit card, I signed up the cash back deals to get {$15.00} back after making a purchase on XXXX. The deal expired in XX/XX/XXXX and the purchase was made in XX/XX/XXXX. From the description of the US bank website, I was supposed to receive the {$15.00} 7 days after XX/XX/XXXX. But its the end of XXXX, still see nothing. Called US bank card customers service, got transferred back and forth to several people, no one in the bank knows how to fix it. After spending hrs on the one, they are still unable to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US bank is holding a {$200.00} Check Deposit with no explanation given. I have not overdraft or given them any reason to hold these funds. They are making the availability several weeks from the date of deposit. I have spoken to a branch manager who requested the hold be removed, which was denied. I have contacted them by phone several times which I have never got a straight answer. Only to be yelled at by a phone banker. They do not treat their customers well, and are going against federal regulations on funds availability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47331
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hi, I am facing an issue with Elan Financial Services, the credit card company partner of Fidelity Investments. I was recently the victim of identity theft with the thief tricking my mobile phone company, XXXX. We have a letter acknowledging the issue from XXXX XXXX. The thieves used a phone number belonging to my wife to get a charge of ~ {$9000.00} authorized. See below for information on transactions that are fraudulent. Date Merchant Amount XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv {$9000.00} I have already called the credit card company at least 3 times to get the issue resolved. The calls occurred on XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Each time the fraud department said the processor would contact me in about XXXX hours to work on the issue. This has not occurred each time. The credit card company is now charging interest and late fees on this fraudulent amounts. They are also reporting to credit agencies that I legitimately owe the fraudulent amounts. The processor hasn't done any due diligence aside from saying a chip read occurred. I have told them in clear terms I didn't authorize the charge and don't know how the thief perpetrated the fraud. A view of the transaction history around the XXXX timeframe also shows a lot of suspicious activity. I have filed a Claim with them. The Claim ID is XXXX. I have also filed a policy report, XXXX. I have provided this information to Elan Financial Services already. The processor and fraud department have done nothing with this information for the past month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home mortgage is serviced through US Bank. My escrow account has a large positive balance remaining after all insurance and property taxes have been paid for the year. This is due to the actual tax bill being much lower than anticipated ( the property was assessed by the county before the house construction was finished ). I requested a refund of the excess money on XX/XX/XXXX ( taxes were paid on XX/XX/XXXX ). I was told they would have to perform an " off cycle escrow analysis '' to determine the amount to be refunded, which would take XXXX business days. I was told this would be completed by XX/XX/XXXX. On XX/XX/XXXX there was no refund issued, so I contacted the bank again. This time, I was informed that the analysis was not performed, as there was no change being made to the monthly escrow payments. Once again, I requested a refund of the excess money, and was told it would be another XXXX business days to process it, even though they already knew the exact figure that was to be refunded. This is absolutely unacceptable. After speaking with a supervisor I was told they would put a rush request on it, and it would be processed by XX/XX/XXXX. It is now XX/XX/XXXX and nothing has been processed. The bank is withholding my money that I have overpaid to the escrow account and is refusing to expeditiously refund the coverage. If I made a late mortgage payment, I would be hit with penalties and it would be reported to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A