Date Received: 2022-10-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 @ XXXX I went to US Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX to deposit {$300.00} cash and get quarters. At the time it happened to be quite a line so I decided to use XXXX of the ATM that are inside the Branch that are located along the wall to deposit my cash and then I would just need to go to the teller for quarters. I successfully deposited the cash in the ATM ID : XXXX. I received a confirmation email receipt. As I approached the teller I realized that my cash deposit had not been credited to my account yet so I asked him to check into it because he had just watched me deposit the cash. He was puzzled as to what happened but then I received another email saying the transaction had been reversed as if I did not deposit the cash. The teller tells me I have to call the main US bank line. I called them and the system continues to hang up when I call from my phone number. I called from another number and finally got an agent who says I have to wait until the transaction is no longer pending and file a dispute. I advised that this was a CASH transaction so it should be no PENDING to it!! I spoke to a supervisor who said the only other way is if the brand manager is able to fix it. I have {$300.00} cash now gone and no one has answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of an elaborate bitcoin investment scam. The fraudulent company is XXXX XXXX XXXX. I will attach a detailed letter about the scam and what happened. I first contacted my bank, XXXXXXXX XXXX, to report the fraud on XX/XX/XXXX but they ignored my email. I have sent multiple letters to their fraud department email and every single one of them went ignored. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to report the fraud on XX/XX/2022 and they said that they could not help me. I sent a letter in the mail to their corporate office in Minnesota on XX/XX/XXXX as well and I never received a letter back from them. They should have been aware of the fraudulent activity that was happening on my account and that I was scammed out of {$19000.00} in less than a year. They have failed to protect me as a customer by not seeing and stopping the unusual activity that was happening on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I mailed check number XXXX in the amount of {$3100.00} as payment to one of my vendors. Check number XXXX was stolen from a USPS mail box. On XX/XX/2022 I discovered check number XXXX had been cashed by a person of the name XXXX XXXX instead of my vendor XXXX XXXX XXXX. I immediately called US Bank and got in touch with the fraud department. Since then I have received three letters asking for the same information in regards to what happened. The first letter I responded to from US Bank was on XX/XX/2022. The second letter I responded to XX/XX/2022. The third letter I responded to XX/XX/2022. Each time I filled out the requested paperwork and emailed it back to US Bank. Nothing has happened since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: UNRESOLVED FRAUD ISSUE ON MY CHECKING ACCOUNT I mailed a check for {$50.00} to XXXX XXXX XXXX in XXXX. I received my bank statement in XXXX. The check had been altered to XXXX XXXX for {$7000.00}. I notified the bank and the police of the fraud. I completed multiple forms for the bank and a statement for the police. The paperwork included an affidavit of unauthorized paper debit. I have contacted the bank multiple times with no success. I am looking for help moving this forward and resolving this issue. Every time I talk to the bank they request more of the same thing. Each time they push the resolution time later for a month more. As of this week they have pushed the time back to XX/XX/XXXX. This is going onto five months of delay. I need assistance getting my {$7000.00} back.
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: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Elan Financial Services ( Secured credit card ) is holding me responsible for a {$510.00} fraudulent charge on services I didnt receive. I took my car to a body shop and my car was stolen from a mechanic XXXX XXXX at XXXX XXXX XXXX. I also provided them with a police case number and also the detective personal cell phone number to reach him and confirm the situation of the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: while living XXXX XXXX XXXX XXXX I XXXX XXXX open a US bank Checking account in XXXX and I relocated to XXXX in XXXX where there are no US Banks. On XXXX I called and requested that my checking account be closed and the representative stated that the remaining balance of XXXX will be mailed to my current address via a cashier check. On XXXX I received a postcard from US Bank stating that I have insufficient funds. I immediately called US Bank to inquire why I owe on a closed account and the representative relayed that a transaction was presented to the account on XXXX and was paid. I was given different reasons why the transaction was paid but could not get an answer to why a transaction was paid on a closed account, but was told that someone will give me a call within 48 hours. So I have no cashier 's check or no return phone call as of yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a US Bank Easy Checking account using the promo code XXXX. The terms of the offer stated that I must complete recurring direct deposits of two or more that total {$5000.00} or more to earn {$400.00} bonus, and be enrolled in U.S. Bank online banking or the U.S. Bank mobile app within 60 days of account opening. I fulfilled these conditions on XX/XX/XXXX, with 2 direct deposits of {$2000.00} each from employer on XXXX and XX/XX/19. Per the terms and conditions, the bonus should have been deposited into my new checking account within 60 days of direct deposit verification, and verification of enrollment in e-statements. I fulfilled these conditions, but have not received the {$400.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open the account at XX/XX/2022 and the person in charge at this moment tell me they not havent in this time the temporary card I believe it I can wait 14 business day I call in the Costomer service I wait almost 30 day this people take me like fools they take avance of me because they work in there and they use the position they have to abuse peoples they lied I hope I dont know they trying and disrespect my right I m goin to sue them I dont know this person they freeze my account to make me have problems with my deposit from de XXXX XXXX XXXXXXXX I have the letter they notification they send to me I want to know what it they freeze my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Business credit card issued to a women and minority owned small business. We had not applied for credit before. In business XXXX full years. Our first billing cycle was XXXX XXXX, so right before Covid. In XXXX and again in XXXX of XXXX we called the company trying to enroll in an automatic payment plan, after being assessed {$39.00} both months in late fees. In XXXX we asked to have the account placed on auto-pay. In XXXX we wanted to know why it had NOT happened. My recollection is that we were told that it took an entire billing cycle before going into effect. By the XXXX billing cycle, Covid had resulted in a lock-down. Our business was closed, and when we were able to reopen, it was only XXXX hours a week, kept open by a new employee willing to do so. I handed the entire operation to our son-in-law to handle at that time, being past XXXX and ordered to stay home. I caught up with the credit card in XXXX of XXXX, when business mail began to be delivered to me, after our business failed. Doors closed XX/XX/XXXX. By XXXX, our son-in-law had left our family for a new one, having taken the business records with him, but leaving me some significant bills. On XX/XX/XXXX, I called US Bank where we had our business checking, concerned that our online banking showed the account {$700.00} overdrawn. I was upset and felt helpless, as I had not concerned myself with the financial part of the business. The bank informed me that I could close the account, and I did so. The credit card showed XXXX and I can only surmise that this was because no payment was owing. I remember being relieved that my son-in-law had paid off the credit card as he had promised to do. The auto-pay in XXXX was denied, as I had closed the account. By the time the bills caught up with me, our daughter was involved with Family Court regarding matters of child custody, child support, and parental visitation. I frankly, could not deal with more. I certainly did not want to increase the stress and danger involved in such a fraught situation. I wondered if this bill was now my responsibility alone. I learned later that it was, and that the bill had been sent to collections. I contacted the debt collection company and requested the history of the account. I agreed to begin making monthly payments to them on a balance close to $ XXXX. Yesterday I attempted to make the case to the credit card company that our account should have been placed on auto-pay no later than XXXX of XXXX, and asked for the phone recordings as proof. I was told that auto-pay cant be set up by phone, and that the phone record was unavailable now. What happened in our case is that nearly {$2000.00} in fees and interest were charged to usI believe before auto-pay was finally instituted by my son-in-law and commenced in XXXX of XXXX. Then the company made auto-payments until XXXX of XXXX. We were charged XXXX XXXX interest on a balance that reached our credit limit during the Covid pandemic. Yes, I take responsibility for the debt. No, I have no source of cash to settle, although the debt collector offered a settlement for XXXX XXXX of the balance. I contend that if we were helped through the auto-pay process which we tried twice to institute, I would not be facing such a devastating debt because we would not have been socked with the XXXX XXXX interest rate. That is my complaint. I just read in the news about the 5th circuit court declaring the agency unconstitutional. Obviously, people need help, and I hope the ruling is over-ruled!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I received an international transfer of funds into my checking account on XX/XX/2022 at a low exchange rate. I have checked with numerous websites. I have called my bank, USbank foreign exchange department asking what rate of exchange they gave me on that day. I was told that they receive rates from the federal reserve every day. The federal reserve website for that day gave me the same rate that I had found online which was much higher than what USbank gave me. I sent an email to the CEO of USbank I then received an email back saying that they would resolve this promptly. This last week I received a voicemail from the CO Head of the XXXX Team asking me to contact her. She also had sent me an email on another day. So I returned her email saying that I would contact her today the XXXX XXXX at a certain time, I'm PT she is CT. I can not get her on the phone she's always on a conference call. Now it is over an hour and a half later and I feel like I'm getting the run around. This bank owes me anywhere between {$2000.00} & {$2700.00} because of the low exchange rate that they gave me compared to the federal reserve rate where apparently they get their rates everyday. The USbank personnel so far have not been very helpful, abrupt and off putting. I am not getting the customer service I deserve after having banked with them for, now 22 years. I also am receiving pensions from my own country BUT at what exchange rate? This is another query I have with them because nothing is detailed on my E- statements. No amount of foreign currency coming into my account and no mention of the exchange rate for the day that it was wired. Surely, there is a breach of international trading here? This incident that I am reporting is part of my pension and I feel like this money is being stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96130
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A