Date Received: 2022-11-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: {$400.00} was taken out of my checking account for 2 ATM withdrawals that did not dispense any funds. On XX/XX/22 i attempted to withdraw {$200.00} at an ATM. No funds dispensed, so I tried again. No funds dispensed the second time. I called my bank on XX/XX/22 and opened 2 disputes for the transactions. On XX/XX/22, I received a letter from my bank stating one of the disputes was denied. I have not heard anything regarding the 2nd dispute. I have called the bank more than 10 times and spent hours trying to get the funds returned. The bank acknowledges that one of the disputes is still in process, well after XXXX months, but no one can assist me in getting the funds returned. On at least 3 occasions, I have been told a manager would call me back, but no one has. I contacted the ATM company. According to their records, no funds were dispensed. Their records show 3 attempts to withdraw {$200.00}, all of which show XXXX dollars were approved and XXXX dollars were dispensed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89120
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX XXXX XXXX have a Us bank business account number XXXX, Routing number XXXX. Our XXXX XXXX XXXX XXXX, Us bank business account are place on hold by Us bank XXXX XXXX with out our authorization or merit. XXXX XXXX XXXX XXXX, Us bank business account number XXXX, have {$110000.00} Capital Funds on hold since XX/XX/2022, and denying XXXX XXXX XXXX XXXX XXXX of directors, no access to the {$110000.00} Capital Funds for daily business. This unfair action by Us bank XXXX XXXX, violate, California XXXX Fair Business Practice Act Protection laws, California Deceptive Trade Practice Act Protection Laws, and the California unfair Competition act Protection laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My information is being used all across the United States my all my government XXXX XXXX XXXX XXXX from XXXXXXXX XXXX has numerous off people following me using my credit in stealing everything that belongs to me she is XXXX XXXX off age she has opened social security accounts with. My information everything she has my ID in playing with my identity right now as we speak there are XXXX in air line tickets everything being purchased with my information there keeping me homeless out here so I want have any where to send My mail XXXX XXXX XXXX everybody there connected playing with my information there is a us bank acount open in my name that I never opened At all there are bankers inside off banks connected with these people in each city in state Connected with these people stealing my funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Earlier this year I filed a complaint in regards to us bank. I'm not sure how the timing works. I didn't have access to exactly all of my old paperwork due to family funerals and the house of my family getting burglarized several times where majority of my old paperwork was stored. I had an account with U.S Bank in XXXX. I applied for a card to build MY CREDIT through XXXX XXXX on XX/XX/XXXX. I payed XXXX XXXX My card was not charged until XX/XX/XXXX. I called XXXX XXXX and they said they refunded the money and did not tell me why. The exact same week I get a letter of insufficient funds. On XX/XX/XXXX I got a refund. I was not given an opportunity to pay the {$46.00} WHEN I WENT INSIDE THE BANK IN PERSON, NOR keep my account open. I RECIEVED AN odd all XXXX XXXX XXXX XXXX in XXXX that year from the XXXX XXXX stating my account was closed. I tried to pay it again and asked if I could pay it and open a new account and was told I could not. I had no choice except to eventually go down the streeXXXX and open an account at XXXX XXXX XXXX XXXX WHERE MY ONLY OPTION WAS " SECOND CHANCE CHECKING '' I DIDNT LIKE HAVING TO DO THAT BUT MY ENTIRE FAMILY USED XXXX XXXX XXXX XXXX XXXX I TRUSTED TO USE THEM. THIS YEAR I found paperwork to a trust account for myself that my grandmother had put up for me XXXX XXXX When I searched all the places that took over XXXX bank it turned out To be XXXX XXXX now. The XXXX sent me a letter after I inquired with fdic about the trust account that stated I had not applied to XXXX XXXX XXXXor credit since XXXX and was denied. I applied on XX/XX/XXXX and payed and the money was refunded. XXXX letter from the XXXX was addressed to Mr. then another one to Ms XXXX more distortions. I am a woman, was born a woman. I do not have a guardian, at least not to my knowledge. Back to U.S. bank I RECIEVED AN email in XXXX stating that my address on my account was updated. I did not have an account, my account was CLOSED IN XXXX OF XXXX IN XXXX I BELIEVE SOMEONE FRAUDULENTLY FILED GUARDIANSHIP OF ME. I WAS IN THE THE ER ON XX/XX/XXXX THIS YEAR I WAS TRICKED INTO SIGNING A BLANK GUARDIANSHIP, I WAS THERE FOR AN INJURED ARM. THE WOMAN TRIED GIVING ME DRUGS, WOULD NOT LOOK AT MY ARM AND SENT ME HOME WITH PAPERWORK FOR AN INJURED LEG AND WRONG INSURANCE INFORMATION. I FEEL WHO EVER IT IS THAT CHANGED MY INFORMATION IN US BANK IN XXXX has something to do with this entire issue BECAUSE I HAVE HAD ISSUES TRYING TO GET ANY OF MY INFORMATION FROM SEVERAL BANKS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am the XXXX and XXXX of XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX have a Us bank business Account # XXXX, Routing # XXXX with an account balance of {$110000.00}. XXXX XXXX XXXX XXXX Us Bank business account are being partially closed by the Us bank manager at the XXXX, California Branch with no merit. I am a XXXXXXXX XXXX XXXX XXXX trying to develop a Economic system to work for me and my associate family. However, I believe Us bank are trying to derail my business, XXXX XXXX XXXX XXXX. I believe this Unfair business practice, Deceptive Trade Practice, and Unfair Competitive actions are raise against my XXXX XXXX business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California. I also believe Us bank Corporation are discriminating against XXXX XXXXXXXX XXXX XXXX, and all our Board of Directors from within aiming to stop are XXXXXXXX XXXX business growth and expansion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have a Us bank business Account number XXXX, and Routing number XXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX exemption status, Us bank business account number XXXX, Routing number XXXX are partially closed without the XXXX XXXX XXXX XXXXXXXX XXXX, authorization or merit. The Us bank business account XXXX are partially closed with {$21000.00} dollars on hold, inside the Us bank business account, and blocking XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Board of Directors access to the {$21000.00} Capital without any explanation. Us bank Corporate are using Unfair business practice, Deceptive Trade practice, and unfair competitive actions against our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Us bank Corporate Office, Unfair business practice against XXXX XXXX XXXX XXXX XXXX non-profit organization are deemed as a form of discrimination from within Us bank managerXXXX Branch XXXX This Unfair business practice action by Us bank XXXX XXXX XXXX XXXX XXXX XXXX are aimed to destroy XXXX XXXX XXXX XXXX XXXX XXXX, growth and expansion in the United States Of America 's Economic system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX. I was denied by Fidelity Visa Signature Card account. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 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 : 15 USC 1611
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are two inquiries showing on my XXXX report On XX/XX/01 from Elan financial one of those inquiries need to deleted only applied for one account did not apply for two accounts showing my credit was pulled twice from their company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This company continued to charge overdrafts for a total of XXXX $ - They offer no ability to catch us and charge every day. I have tried to reach out to the company to see if they would be willing to negotiate the fees with me due to recently losing my job from the horrendous economy we are in and covid and they were unwilling to budge on any of the fees. I need help desperately. This should be illegal to charge that much money in fees especially in this economy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 I had {$920.00} & XX/XX/XXXX. XXXX {$240.00} withdrawn from my checking account without my consent! It caused overdraft fees of {$250.00}. I called US Bank immediately to report what I thought was fraud. I spent XXXX hours on XXXX XXXX and spoke to XXXX departments. Today XXXX, XXXX I spent XXXX hours and spoke to XXXX people! US Bank acknowledged they took the funds and claim its for a old charged off line of credit but I never had a line or credit! I cant get proof from them because nobody is 100 % sure. In the meantime it has now bounced my car payment and left me in a negative account balance and I need money! This is fraud in my eyes!!!! Help please!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A