Date Received: 2022-11-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I am sorry that this is the only way I know how to contact you in order to get a response. Please see prior communications with US Bank / XXXX CFPB and myself for prior details ( also attached ). I opened a US Bank Business checking account and fulfilled the terms of the offer XXXX earlier this year. I was surprised to have been told that bill payments that were initiated from my checking account are somehow not qualifying transactions. I am seeking clarification on why using the desktop " Bill Payments '' and " Pay Bills '' options from my checking account are not considered " XXXX XXXX '' transactions for the purposes of this promotion. When logged into my checking account online ( screenshot attached ), the " Bill Payments '' and " Pay Bills '' options are what were used to initiate payments for credit card bills during the time period of the promotional offer. It seems that US Bank 's manual review of these transactions are classified as " online and web payments '' -- so what is a " Bill Pay '' transaction that would qualify under the terms of the promo, if it is not a payment of a bill initiated from the " Bill Payments '' -> " Pay Bills '' option from the account? This is a misrepresentation of the offer terms if there are somehow two types of paying bills- one which is a promotional qualifying transaction, and one that isn't. As a longtime US Bank customer, I am asking for at the very least a good faith credit for this promotional offer. I clearly read the terms and fulfilled them based on what any consumer would understand " XXXX XXXX '' to mean, and I still maintain that the transactions are valid based on the offer terms.
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: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I submitted a previois complaint on around XX/XX/XXXX. I'm still having issues with the US BANK Fraud Department. I '' m a victim of Fraud with the US Bank, since XX/XX/XXXX but my checking account still shows a negative balance so I can not make any payments or transactions. And I '' m still missing more than 40K stolen under their noses from my savings account. The Bank is still claiming the Fraud Department is behind, I'm questioning at this poin not only their ability to keep our money safe but their ability to process our claims and honor their own mission statement. I request a serious Audit to this institution the way this situation is being managed reflects serious organizational issues. After I filed this complaint and even emailed some members of their leadership team I received a set of incomplete affidavits to start my claim with them They sent 10 affidavits for me to sign all related to my savings account and no information at all about the withdrawals or transactions. I had to call and follow up and an agent had to dictate over the phone serial numbers of the 10 fraudulent transactions on my savings account for me to fill out the aforesaid affidavits. They sent separately copies of the fraudulent checks charged to my checking account. And No affidavits to fill out for that account.Therefore, on my follow up call I they sent an e mail with electronic forms for me to fill out. All this happened on or around XX/XX/XXXX and XXXX I '' m practically organizing my whole file at this point. I submitted supplemental in for the investigation by e mail and by mail. I called to follow up again on XX/XX/XXXX. I talked to 2agents the first one hung up on me when I mentioned I had filed a complaint here, the second agent said I was good and they didn't need anything else from me. She read something about front and back but summarized I didn't have to submit anything else. Today on XX/XX/XXXX I call back again and they tell me that they are missing the front part of a check I included in my supplemental information to make a poit about my signature being similar to my signature recently used when buying my house. They say my case is delayed now because of that missing piece Now my question is... What kind of investigation is this one if the bank onws those copies ... Is this a technique to delay the process or a beaurocratic technique? What kind of interdepartmet communication they have that they delay a case claiming they need a check they should have in front of them when reviewing my case ....? This is hard to understand What are the qualifications of the investigation team? How many investigators they have? Why the agent who talked to me on XX/XX/XXXX did not understand the note about front and back of the check and did not informed me bzck then? Why are they actually behind? Why hasn't the Bank paid attention to their alledged staff shortage in the fraud department? Why do they have so many check fraud cases? Are they in compliance with minimum scrutiny procedures? Do they provide support, training and education to their personnel? Im only daring to question these matters because either the institution is obviously struggling or they are purposely delaying to get this process done. The schoking part is that I was told today the investigation team leaves notes for agents to infeme IF I CALL, Question ... What kind of customer service is this one? Not first world class one that is for sure She added that eventually they will e mail me .... Question .... When? It is clear the note was there on XX/XX/XXXX and today is XX/XX/XXXX but have not received any calls from the US Bank. It is my perception they don't care or they are in serious trouble.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: After being approved for a business credit card in XX/XX/2021, Comerica Bank was not able to explain how another bank account ending in XXXX was linked to my business credit card on XX/XX/2021. 'See Attachment. '' I have continuously been overcharged fees going beyond the amount of {$3000.00} which I was approved. The bank manager alleges that I had taken out one cash advance which is causing the high interest rate. I can not recall ever doing a one time cash advance. I am continuously being charged over the rate when I have not used the card in a while. Due to severe Identity theft of my business, i.e ghost companies being established under both my tax ID and Soc Security Number, I believe I am being charged for the illegal schemes that occurred throughout this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I just need a loan to help get Christmas for my kids
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
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: Re : U.S. Bank XXXX Acct XXXX XXXX Dear Sir/Maam, I recently used a check provided by your bank to Integrity XXXX in the amount of {$15000.00}, since the check noted that was the limit for use. Not having any idea that I had gone over any limit, as soon as I got home, I immediately sent in a payment in the amount of {$500.00} as I customarily do as opposed to waiting for my first bill to come in the mail to make my first payment. In the spirit of being a good customer and taking proactive action towards my debts, two days later I receive a notice from my credit monitoring agency that your bank has notified them that I was over the limit on my account and that this information generated a XXXX point drop in my credit score. U.S. Bank did not call me or take any type of action to allow me to remedy this situation and neither waited five days for my payment to reach them ( which would have easily resolved the situation ) nor wait for me to receive the first billing cycle to find out this information so that I could take corrective action. I have been a good client of U.S. Bank for quite sometime and was honestly surprised to see U.S. Bank react in such a manner towards my account. At this time I am requesting that U.S. Bank remove this information from any and all credit reporting agencies and to restore and reflect my rightful credit worthiness with these reporting agencies. If I may be of further assistance please feel free to contact me through the information provided. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38501
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a Fidelity credit card and they offered me {$150.00} worth of points if a spending threshold was met in the first 90 days. I met the threshold and then they promptly canceled my account and will not pay me the {$180.00} worth of points in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act, US Bank account number XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have a right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states that a creditor may not treat a payment on an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a long time customer with US Bank. I recently went to add my son ( who also has checking/savings account with them ) as an authorized user to help build his credit history. I was told the credit card account was inactive even though my card is not expired and I have not been sent a new card. I have a XXXX balance on the card and I was told if it is not active for 12 months they close the account. Closing an account with long good standing of on-time payments would have a negative impact on my credit score. Furthermore, if they have already reported my card as inactive in their internal system without notifying me, before my existing card is expired, and even before they issued my a new card is deceptive because I have no idea what date they reported this and therefore have no idea when they started the 12 month inactivity rule. They are punishing customers for paying down their card to a XXXX balance and furthermore, forcing card holders to use the card to keep it active. I try to use cards responsibly and for emergencies it is wrong what they are doing even though they say it's in the agreement I signed. You not be punished for using credit cards responsibly. Is it legal for them to close an account because they're not making enough money off of you?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} XXXX account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Regarding a joint checking account with my teenage daughter : In XX/XX/2022, Funds were illegally transferred out of the account through the XXXX money transfer service. Then forged/ invalid checks were deposited into the account to have the fake funds also transferred out via XXXX XXXX Once the fake checks were returned the account went into negative balance. Never used XXXX previously on the account nor authorized its usage. My daughter had never even heard of XXXX nor ever deposited checks remotely. Filed a Fraud complaint with US Bank. The branch manager said the issue would be resolved and the actual stolen funds of ~ {$300.00} would be reimbursed, and the fake check funds would be removed. Did not hear anything until XX/XX/2022, when received a letter stating the account would be closed and the negative balance would be considered " XXXX XXXX ''. Subsequent call to US Bank said they had denied the Fraud claim- but they did not notify us. US Bank gave no path forward for resolution even though the XXXX security was at fault and it is a known problem. US Bank has no procedures to dispute fraud claim findings and do not even allow customers to speak to the Fraud department. I can not provide documents because the account was closed and removed from the online access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A