Date Received: 2022-11-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have had a checking account with US Bank for over 20 years. I was NEVER charged a fee for having the account until recently. They began charging my account a {$24.00} fee on XXXX. This fee was waived for two months. I'm assuming I called about it, but honestly can ; t remember. After that, they charged the fee for nine more months before I noticed and called about it. At that time ( XXXX ) they waived three of the fees ( leaving 6 others ) and said that was all they could do. Since then, I have spoken to XXXX at the XXXX, XXXX branch. She reached out to her district manager, XXXX XXXX, who told her they could return three more months of money they STOLE from my account without any notice ( still leaving 3 months ' fees ). This is unacceptable. I was not notified that this fee was going to be added to an account I have had for OVER 20 YEARS. Their explanation is that I had taken out two car loans and paid them off which put me in a different kind of account. What?! Why?! Again, I was not notified of this. Had I been, I would have taken my money elsewhere or asked if I could have the kind of account I had had prior to the car loans-which, again, I was never made aware of any kind of change in my checking account. In addition, XXXX apparently tried to call and email me on XX/XX/2022 to follow up on my complaint. The phone rang once and went dead. The email asked when would be a good time to call. I explained that the call didn't go through and she could call any time. I did not hear back from her until today and only because I called her again aXXXX XXXX XXXX and left a voicemail ( Friday, XXXX ) She was obviously trying to dodge me by calling at XXXXXXXX XXXX before quitting time on a Friday. I asked for XXXX XXXX 's number and called him before XXXXXXXX XXXX It went straight to voicemail, so here I wait once again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 382XX
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022, there are 2 transactions from my credit card company listed as XXXX XXXX ( which is XXXX XXXX XXXX XXXX One of the transaction ( $ XXXX ) is my credit card balance which is good but XXXX XXXX also pull additional {$470.00} which I don't understand. XXXX XXXX Withdrawal - {$5900.00} XXXX XXXX Withdrawal - {$470.00} XXXX contacted both my bank ( XXXX Money ) and Elan Financial Services. My bank confirmed that both transactions went through. I contacted Elan Financial Services ( XXXX XXXX ) a few times and they kept saying the {$470.00} is not in their system. I didn't initiate that transaction as well. They kept insisting that there's nothing they can do if they don't see it in their system. Now as a customer to the credit card, it looks like I lost {$470.00} which is hugely unfair to me given that it looks like an issue on Elan Financial Services ( XXXX XXXX ). From external point of view, It looks like the system of Elan Financial Services is not sound or buggy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98006
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: 2022-11-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have had the XXXX XXXX XXXX since XXXX. Id kept the balance very low. They sent us promotional checks with 0 % APR for 12-18 months. I used one of these checks for a home improvement project. In the next statement I saw a fee for {$290.00} as balance transfer fee. When I called customer service and pointed out thered been no balance transfer they basically stone walled me an insisted that I was not being charged interest. This is clearly misleading promotion. Is should point out that XXXX XXXX sold their credit card business to Elan Financial services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Reliacard, US Bank Corp, {$13000.00} balance. Account was closed effective XX/XX/2022. Reason given in letter XX/XX/2022 : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/2022, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Received a call from the " prosecutors office '' to call an " attorney to avoid prosecution '' for an supposed debt from XXXX US BANK. I recorded the collectors and and the " attorney that files suites '' and after they announced they were recording I announced that my end was recorded as well and they instantly dropped the " attorney '' persona and ended the call. US Bank is performing and funding predatory debt collections and releasing personal identifying information to family and friends, who they called after contacting me, about a debt from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/XXXX, I found out I couldnt login in to my online banking, so I tried reach customer service, but they told me there is a hold and can not tell me why and what happened. So I go down to my home branch, and I spoke to the branch manager, he said will help me find out what happened and whats going on. The same day afternoon I received a call from the branch told me that my account will expect closure and they will not able to provide any reason, and about the money that still in my checking account, they said they dont know, and said there is no number I can call or can ask when I will get my money back. Also I have a secure credit card account I put down XXXX deposit and dont know when will be refund to me. They just tell me wait for the mail. They will mail me the check but there is no date or any information. Until now no one contact me and no mail coming to my house. All my money left over its inside I dont know how to pay my bills and my rental payment, I want my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or about XXXX, XXXX, XXXX my debit card ending # XXXX was used to make unauthorized purchases and withdrawals in the amount of XXXX $ I submitted a fraud complaint case ( # XXXX ) XX/XX/XXXX ; while detained in a Pennsylvania XXXX XXXX XXXX Once released on XX/XX/XXXX I was able to formally inform the fraud department by phone numerous occasions and was directed to wait the mandatory XXXX day review period which ended on XX/XX/XXXX. I subsequently forwarded more evidence i.e. Police Report, POA, to rebut the first Denial to no avail. I contacted the fraud department numerous times from XXXX XXXX XXXX, XXXX under the impression that a second claim was initiated by following instructions given by a fraud agent during a phone conversation on or about XX/XX/XXXX. Their terms and conditions don't explicitly state the prerequisites on how to initiate a second fraud claim nor was I explained that internal due process. I deem my consumer rights have been denied by this lack luster administrative process...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX i went to US Bank website to find a US Bank ATM website to withdraw money XXXX XXXX XXXX but there is none in my city and in the same website it says that i can use a moneypass atm to withdraw money, there will be a surcharge fee but it will be waived, also written here XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Then right away i withdrew money and the ATM says there will be a fee which is what i expected since US Bank website says so. Today, XXXX the transaction cleared out and saw the surcharge fee for using moneypass atm, then i contacted us bank rep from their website using live chat, explained the situationed, and they said that its not a fee that they will waive, i gave them proofs of those websites but the rep still says no. Aside from that, the rep is extremely rude right after i showed them the proofs from their own website and tried to end the chat as soon as possible, the rep name was XXXX, i'm sure they store transcription of chat history that if you request you can see it yourself. I'm reaching out to CFPB to get help, as usual, bank write in their own website they will waive the fee, comes time when they have to waive the fee, they do not honor their words
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US Bank made two inquires on my credit without my authorization on XX/XX/2022 that are showing on my XXXX credit report. I called US Bank and they gave me the runaround and would not provide me with a deletion letter for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I have a Checking account at US Bank. I logged into my account online XXXX. The account looked fine. Two sperate {$1000.00} deposits reached my account. I tried to login XXXX and couldn't. I figured it was a technical issue and tried on XXXX. Still couldn't login. On Monday XXXX I called US Bank customer support, after being transferred and talking to 4 different reps who did have any answers. I found US bank fraud department # and talked to a rep there. The rep did some digging and said one of transfers was sent back to sender and my account was locked and they will close my account and send me a check in the mail. I inquired what was the issue. According to the rep because one of the {$1000.00} deposits came from XXXX and person 's name wasn't listed on my account they sent back the funds and closed my account. I explained that I know the person that sent the money. They rep said how did they get your checking account info. I said, I gave it to them. I didn't have an issue with receiving from some ones XXXX in my XXXX XXXX account. The rep said at US Bank that kind of transfer isn't allowed. I said Ok, when will I have access to my money. The rep said since the account is in the process of closing I will receive a check in the mail. I asked when exactly, rep said likely within 2 weeks. I said fine, and waited for my money to show up. On XXXX I went to a local branch. Explained my situation. Was given the same customer service # to call. After talking to many different reps over the course of an hour. One rep was helpful and kept me on the line as she reached out to dept after dept until she was told that the issue hasn't been worked on but now it will because of my inquiry. She told me the fraud dept will contact me 24 to 48 hours with a decision. The rep said my account might be opened back up. I explained, after all that has went on I just want my money, have no interest in keeping the account. I waited for the return call... I received no call, email or XXXX mail from US Bank. I did receive a automated email survey about my customer experience. I DID complete the survey. Lol I called the fraud department again on XXXX I was transferred to a electronic or mobile fraud dept. The rep there said he has no new information to tell me and the department people making the decision can't be reached by me so I can't be transferred over. He also said since the account is in the " closing process '' I will get a check in the mail. I asked about an XXXX for my funds. He claimed he had no info, could be 4 weeks. I said its going on 4 weeks now. He repeated there was no information to tell me. Its been more than a month since sent money to my account at US bank. One transfer a friend sent {$1000.00} from their XXXX account the other {$1000.00} transfer I sent from one of my checking accounts. So now I'm reaching out to CFPB for some assistance and guidance. Btw. I do have audio recordings of all my calls with US Bank. One observation. I went to my local US Bank branch 3 times. The first 2 times the lobby was closed during business hours. As I went to open the door I was waved away by security. The day I was able to go in I asked the security guard why the lobby was closed 2 previous times. He said a former customer lashed out at the employees... Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A