Date Received: 2022-10-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Hello I have savings and checking accounts with the US Bank. Im currently located in XXXX Tx for a year and 6months now and they have my address from texas on file. There are no branches here in Tx. But A teller from KS allowed around 8 transactions withdrawal from my savings and checking accounts They thiefs even deposited ficticios checks and withdrew money to XXXXhe point bt my balance is - XXXX XXXX The amouths withdrawn from my savings account reach to XXXXXXXX XXXX in 3 days from XX/XX/XXXX to the XXXX. I reported the issue as soon as I realized what was happening, the agent from the Fraud department at US bank said on XX/XX/XXXX they were sending an affidavit on the mail for me to sign and start the claim process to get my money back. I haven't received that affidavit but I have received other letters and notices from them dated XX/XX/XXXX. I called today twice The first agent was rude and misleading she said their fraud department was behind and that my affidavit was not even out yet. This raised a flag ... How many fraud cases do they have? So our money is not safe in that bank? During my second call another agent said the affidavit had been sent on the XXXX ... and that she requested it again to be sent by mail or e mail I was never explained before that could be sent by e mail. I don't trust they are giving me the right info, they are not consistent in what they are saying They are misleading and withholding information I need my money back as soon as possible my son is having a XXXX on XX/XX/XXXX If they are misleading about sending the form to start the process to get my money back, how Iam going to trust they are giving it back? They are also misleading about the time frame up to 4 weeks, or up to 90 days to resolve this issue?
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: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Back in XX/XX/2022, I noticed USBank has an online AD shows they will provides a {$400.00} welcome bonus offer for new personal checking account : " Complete two or more direct deposits within 60 days of opening your new Platinum, Gold or Easy checking account. Earn {$200.00} when your direct deposits total {$2500.00} to {$4900.00}. Earn {$400.00} when your direct deposits total {$5000.00} or more. This offer is valid through XX/XX/XXXX. XXXX XXXX : XXXX " I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84405
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since moving into my home, I have had issues with XXXX the management company of my HOA. The account number they gave me was invalid thus making it difficult for me to pay online. They did not send statements and so was it incredibly difficult to confirm the payments until the quarterly statement arrived right before payment was due. I then started sending the payment through my credit union 's bill pay to ensure timely payment. In early 2021 I received a noticed that I owed a {$70.00} payment. I informed the XXXX that I would research with my bank since my statement showed that the payment went out. With COVID still in effect it was not business as usual at the credit union so it took a couple of weeks to get the report. Soon after I sent the payment details, I received a letter from the attorney for the HOA. The amount had grown to {$480.00}, I sent them the details from the bank and the amount grew then to {$860.00}. I then overpaid my HOA fees and was running a credit but that did not matter to the attorneys. Even with all that the amount then grew to {$3200.00}. This is when I decided to get an attorney because they were threatening a lien against my home. Unfortunately, the nightmare was just beginning for me. The attorney noticed that the lien was not properly executed and that the HOA attorneys had violated a Florida law and the Fair Debt Collection Act. XXXX XXXX never contacted me to see if the debt was valid. They instead paid the {$3200.00} and added it to my escrow which in turned messed up the negotiation that my attorney was working on. I only learned about this because one of the attorneys in the HOA law office felt sorry for what had been done to me and contacted my attorneyXXXX XXXX XXXX never called and never provided a letter, phone call, or an email on the matter. We had to file a Fair Debt Collection lawsuit and I advised them providing the case number. They called and said that they would put the account on pause while I worked out the matter. Sadly, they continued to call me five times a day and loaded the account with late fees. They also reported me late even though I continued to make payments every month. I've written twice to their corporate office and sent several emails. It is always the same the form letter stating that customer service will look into it followed by a letter two weeks later stating we looked into it and the HOA lawyers gave us ten days to render payment to them. I believe ten days is enough time to contact your customer by letter, email, mail or phone. They have been bullies, they answer is always WE ARE BIG and you are not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ) I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. By now, I already made more than XXXX direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84405
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX, I was part of a XXXX XXXX through US Bank who refused to recognize it as a scam or refund my money. I have a police report, the scammers used fake US Bank phone numbers, and I did not know the person that the money was being transferred to. I was texted a message on XXXX XXXX from a US Bank phone number that asked if I authorized a transaction to XXXX, which I didn't. The text asked me to text yes or no. I texted no and I immediately got a phone call from a US Bank phone number. The scammer said his name and that he could see that someone had my account information and loaded it onto a XXXX XXXX phone and was using it to make purchases. He knew my bank balance, my address, phone number, etc... He then listed a bunch of transactions and asked me if I authorized them. He said he would cancel those transactions and then he asked if I transferred money through XXXX to a person named XXXX. I again said no. He then said per company policy he needed to walk me through the process of transferring the money back from XXXX so it would go back into my account. He then had me log into my XXXX account, which I haven't used in over 5 years, to go about the process of transferring money supposedly from XXXX 's account back into mine. We did three separate transactions totaling {$3500.00}. He then said it would take 24-48 hours for my account to go back to normal. After 48 hours when my account was not back to normal, I called the US Bank Fraud department and they figured out that I had been scammed. They completely shut down all of my accounts because they didn't want to get hacked further. I had no online access to anything and had to open a new account to transfer any money in all of my bank accounts ( my business account included ) into it. I then had to wait two weeks for the fraud department to do an investigation. After two weeks I called the fraud department back and was told that my claims were denied. I was then told that I should get a police report from my local police department, which I did, and have my local branch submit a claim again. I did all of this. I was quickly sent a letter saying this was a duplicate claim and it was again denied. According to CFPB, banks are supposed to treat these XXXX scams as a lost or stolen card, which US Bank did not. They acknowledged that I was scammed and I followed all of their procedures, but have no recourse. According to recent Senate hearings with other bank CEOs, these banks knowingly use XXXX even though they are very susceptible for hacking, which my account obviously was. There are also law suits against other banks for not reimbursing their customers, and there should be one against US Bank as well. I was also not treated well throughout this entire process, more like I was the criminal. This was a very sophisticated scam and I would like my {$3500.00} returned to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53045
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I accessed my credit report XXXX XXXX XXXX and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to XXXX, and Elan Financial via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I submitted a prequalification application for a home loan at US Bank on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with US Bank, because at the bottom of the report it says, " Real estate on behalf of Us Bank Home Mortgage. '' A loan officer named XXXX XXXX at US Bank was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called US Bank nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with US Bank and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask US Bank to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by US Bank are " authorized by law '' which does not make any sense. US Bank specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In early XXXX, US Bank instructed me to pay the taxes on my property to ensure I did not pay the taxes late and incur a late fee with Washington DC. While on the phone with US Bank ( on a recorded line ) I made the payment directly to the city. The representative on the phone from US Bank assured me on numerous occasions that US Bank would not send a duplicate payment to Washington XXXX DC and assured me that US Bank would cancel any pending payments to Washington DC. US Bank sent a duplicate payment on my behalf for {$2000.00} to Washington DC out of my escrow account. US Bank assured the payment would be returned to my account by XX/XX/XXXX -- 3 weeks after the US Bank servicing error. On XX/XX/XXXX they are now telling me they are unsure when the payment will be returned. I have since closed the loan and US Bank has not returned the money to me or my escrow account. US Bank has a servicing error that has resulted in significant financial harm to me as I am owed over {$2000.00}. US Bank has acknowledged their error, but has not provided a timely resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: As a brand new customer of US BANK I had fraud on my checking account. I reported it immediately, and was advised by branch manager to open new account and close old account. The new account had nearly identical fraud immediately. I again reported each and every detail. I receive provisional credit in XX/XX/2022 and on XX/XX/XXXX a note was placed on the account of the second fraud in fractions stating do not remove hold. Account will be closed and remaining funds Will arrive to consumer in form of cashiers check. I did not receive the full amount for provisional credits and with the help of the fraud liaison department was able to conclude the work up of the fraud was incomplete. The fraud liaison submitted the additional items, provisional credit was awarded nearly immediately, and letters of final judgments in my favor for the prior provisional credit have been trickling in as each incident is worked up by different members of the fraud team. Again the note/hold was placed by the department of risk assessment on XX/XX/XXXX. On XX/XX/XXXX the additional items were located because the amount deposited was definitely not adding up to the amount of provisional credits. I went into the bank as advised by the fraud liaison department on Saturday to have the bank manager override the hold and place the {$650.00} into a new account which is waiting to be funded. The bank manager refused to remove the hold as advised by the fraud liability supervisor. Internal messaging went back and forth. I have made several trips to the bank as well as my home bank which I have only been to one time but was told I must go through that bank. It is a simple transfer of funds and or close the account give me the cashiers check at the teller and I will move on. I received notice today from a banker at the bank for the bank manager originally refused to override the hold which is in his power. The banker, XXXX, I received an email from the person who placed the whole back in XXXX on the first and the person stated they will not be removing the hold, and my funds will not be released until the account is closed and all of the fraud items are final. The computer has awarded me provisional credit. There are checks and balances in place for this reason. The person who placed the hold on the account did it at my request in the first place. I wanted the account closed. I was told the account could not be closed until all provisional credits were received and I was finished with the entire claim. I have spoken to no less than over 50 employees of US BANK and at least 40 of them in the fraud department. This is not an exaggeration. The person who originally placed the hold on the count waited until the original provisional credit was awarded. I was advised to remove the funds as I did. The person who placed the original hold on the account was unaware that the fraud claim was incomplete. I was told to be patient and I was. I have lost patience at this point. My funds are being held XXXX for no reason. There is no legitimate reason my funds should not be in my hands at this moment. It is a provisional credit awarded to me. The person who placed the hold on the account and the bank manager who refuses to override the hold and is able to, are completely out of line and playing XXXX. I was reading in the parameters and it states clearly 10 business days then 20 business days for new account which would happen its been over months now and I am getting absolutely nowhere. I am a XXXX veteran of the United States XXXX and whether I am a veteran or a civilian it simply shouldnt even come into play. My funds, my money, it is not only unlawful to hold them without just cause, it is inhumane.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were accounts trying to be opened in my name for US Bank, XXXX XXXX XXXX and XXXX XXXX. It looks like some of the mail may be fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A