Date Received: 2022-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XX/XX/22 I requested a stop payment for a draft from XXXX pay financial because they was drafting twice a month, instead of once. I've begged US Bank to monitor the situation, instead they ALLOWED XXXX Pay Financial to drain my checking account so they could accumulate Overdraft fees... So now my account is negative and I can't open an account somewhere else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/XXXX we were sold a XXXX XXXX XXXX XXXX Credit card. At that time we were told it's " like a XXXX '' just spend against it and when your child turns XXXX, you can use it for college loans or books, etc. In XXXX XXXX XXXX a company named XXXX XXXX took over the rewards aspect of the card and supposedly sent us a letter stating they changed the program and that we would need to redeem our points every year to make the program work. We never signed anything, no email was sent, and WE NEVER RECIEVED ANY LETTER. We have been using the card like we were told but in XX/XX/XXXX, we called XXXX to see how the account was doing and they said we haven't been redeeming our points so nothing has really happened. We redeemed that day for @ XXXX dollars in points. However, we lost 6 years of compound interest. After contacting XXXX, they say it's an XXXX XXXX problem, and vice versa. This is an easy fix, but both companies are stating they can't do anything because a letter was sent. We never got any letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/22 I placed an order with XXXX XXXX in the XXXX XXXX that totaled {$120.00}. That did not include transportation charges. I asked them to advise me of what the transportation charges would be before accepting and shipping my order. The next day they told me how much that would cost, and I decided not to proceed and told them to cancel my order. My problem is that my credit card company did not refund the foreign transaction fee of {$1.00} and also refunded me {$1.00} less than the original purchase amount. To correct this I am seeking a refund of {$2.00}. I just want to be made whole for a transaction that never went forward and was cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: When I closed my mortgage in 2014 at a local bank here I was required to have PMI -private mortgage insurance. I have heard and read in countless places that this insurance is only required until a certain Loan to Value is reached, which I believe I reached a while back I am easily below 80 % ( XXXX estimate puts my LTV at 60 % ) and I have no additional liens. but here is the thing : I have called US bank multiple times over the years about it and Ive been told that I must pay PMI over the entire life of the loan because it was shown in an amortization schedule. I cant find in my loan docs any really clear specifics about PMI, and I was never told the presence of the amortization schedule was a guarantee of payment over the entire life of the loan, and since Ive seen legal thresholds observed elsewhere, I am concerned my money is being taken inappropriately. I dont want to pay the ~ {$60.00} a month when all of my friends and family in similar situations say their mortgage companies dropped it. Can someone please look at canceling the PMI, and providing a refund for the overcharged amounts? I know US Bank is one of the biggest banks in the country, and this practice feels like a serious UDAAP violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28334
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a checking account with U.S. Bank and the overdraft option of this account is disabled since I opened it. On XX/XX/XXXX my account was all good with no overdraft payment I had couple pending charges which they were all covered, and they already been charged out of my available balance. Last time I brought an XXXXXXXX XXXX, and my dad helped me paying it by sending me a XXXX to cover its cost as soon as paid it the amount was taken out of my available balance and the transaction was on pending. So, at this point if my account did not have the enough amount of money Then I'm not able to purchase anything it should decline any charge because the overdraft of this account is disabled. My account after that had {$0.00} and I was expecting a deposit of {$620.00} from my friend it just got deposited on XX/XX/XXXX and when I logged into my account on XX/XX/XXXX instead of expecting {$620.00}, I saw {$350.00}, and I was shocked why my account has dropped this much! I also saw couple comments under multi transactions it says the account is overdraft after this and that transaction! I attached screen shots of the transactions. So, I called the bank I explained my situation and they figured out my overdraft is disabled, and they transferred me to their supervisor and the supervisor was explaining the charges and he was pushing that my account did not have enough money and the account was on overdraft status. I'd want to press charges on U.S. Bank for stealing my money.
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: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Back in XX/XX/2022 XXXX decided to close my account despite stellar payment history. When I called them the rep at the time said they decided to not do business with me any longer. I had the account for just on the nose of 6 months and it was my Fidelity Rewards which I loved. Losing a $ XXXX credit limit has negatively impacted me especially since I am in the process of purchase a new home. Recently as of last week XX/XX/2022, when I made another inquiry regarding this account, the reps couldn't see the reason at all why the account was closed in the first place and I was transferred XXXX different times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my checking account with US Bank in XX/XX/XXXX. I had exactly {$1500.00} in my account when I closed it. I called US Bank to close the account and they said a cashier 's check in that amount would be sent to my mailing address in a couple weeks. A month goes by and I don't receive the check. I called US Bank and they told me to go to a US Bank branch. A representative at the branch was able to make an inquiry and on XX/XX/XXXX, I received a letter in the mail that contained a copy of the cashier 's check that was sent to me. According to US Bank, it was cleared on XX/XX/XXXX. The cashier 's check is correctly made out to my name, has my mailing address and was for the amount of {$1500.00}. On the back, it showed XXXXwo signatures : 1 was forged in my name and the other I don't recognize. However, I never received this check and the signature on the back is not mine. Subsequent trips to the branch were not helpful and they said I had to call US Bank. Calls to US Bank 's Fraud Department were also not helpful. They took down my details, but never called me back. I do have a claim number with them if that is helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a joint checking and savings account at US Bank with my daughter. Both our names are on the account. I have a Visa credit card attached to the account as well. I have never missed a monthly payment. My daughter downloaded the US Bank app and made a {$2000.00} payment on XX/XX/2022 to the credit card balance by utilizing the " link bank account '' option which connected her XXXX account and submitted the payment to be applied to the card balance. Another payment of {$1000.00} was submitted on XX/XX/XXXX via the US Bank app to the Visa credit card account the same way, via the linked account. These were payments made in addition to my regular monthly payments. On XX/XX/2022 I received a letter from US Bank ( dated XX/XX/2022 ) stating that they had closed my credit card account effectively immediately. Their reason : " we are unable to determine that you are the owner and/or authorized agent for a Demand Deposit Account ( XXXX ) being used to facilitate payments to this account '' and " No further use of your card will be permitted effective immediately ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45247
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have spoken to multiple people at different times regarding my credit reporting during my mortgage modification with US Bank. I was told this would not effect my credit negatively and I have been reported as 30 days and 60 days past due. When I attempted to fix the situation, I was told there was nothing they could do about it now as it was already done. During the process, I was told at least 3 times it would be removed if it effected my credit or there would be no effect at all. I could lose my job because of the negative impact this is having as I work for a financial institution. Their calls are recorded and I would like someone to fix this as soon as possible as this is just wrong. I was lied to and told this would be okay when it is far from okay. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hi there, This is regarding the US bank altitude reserve card ending in XXXX. I was charged annual fee of {$400.00} on XX/XX/XXXX and has made the payment for the annual fee. The card comes with {$320.00} travel credit annually. I had a transaction with airbnb on purchase on XX/XX/2022 for {$290.00}. It's been over 3 weeks and I'm not seeing the travel credit being applied. I've tried calling the customer service numerous times and nobody was able to help. Could you please advise?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A