Date Received: 2022-10-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Where do i begin. I have a US bank secured card. I missed a payment because i was too focused on paying other bills. Mortgage, insurance, Etc. They apparently charged me a late fee. First of XXXX months ago. then a whopping XXXX. Now XXXX. The latest is not they charged me a XXXX late fee and then come telling me that they want a whopping XXXX minimum payment. When i called them to try to explain and ask them to waive the late fee, they come telling me that " it is not in their policy ''. I have never heard of such foolishness in my life. They expect to make a minimum payment of XXXX when my other cards have never asked for that much. I am not understanding this. US bank will not work with anyone and it is not fair. I am not going to postpone paying other bills just ot make their ridiculous minumum payment. Then they come telling me that the amount due includes a late fee. I have never in my life heard of a late fee of XXXX. I think that this bank is profiting off of these high interest rates making customers pay these outrageous fees. The worst part is, it is a securred card. meaning my money was put up as collaretral. I am not understanding this. I refuse to put off other expenses just to pay some mininum payment that is more than my unsecurred cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I Sent them a validation of debt, letter of demand and notice of dispute they told me I owe a debt I sent them those letters and got no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint is regarding Fidelity Rewards Visa Signature Credit Card 's cash advance practice. On XX/XX/2022, I conducted a cash advance transaction for {$79.00}. The statement issued on XX/XX/2022 had a balance of {$1900.00}. The payment due date was XX/XX/XXXX. On XX/XX/XXXX, I logged onto my online account and saw a balance of {$2000.00}. I manually transferred and paid that amount in full. After the transfer, my online account showed a balance of {$0.00}. However, on XX/XX/XXXX, I was charged an interest fee related to the XX/XX/XXXX cash advance payment again for " carrying a cash advance balance ''. The bank charges interest on cash advance daily, but they don't post it onto the account daily. So even though I paid my account in full on XX/XX/XXXX, the unposted cash advance fee was still outstanding, despite my payment was {$52.00} more than the XXXX statement balance. Because they don't post their daily fee every day and because they don't tell you there is a separate cash advance balance even on your online account, unsuspecting consumers who dutifully pay monthly statements in full will keep incurring an interest fee every month until you call and ask them to stop. And because they hide their daily interest online, there is no way to pay that amount even when you try to. After I made my payment on XX/XX/XXXX, I was shown a {$0.00} balance. They make it impossible for you to know and to pay for the cash advance balance completely unless you call and tell them specifically to stop. Even though they said they would reverse the charge this time, this practice will keep going if there is no government intervention. It was not the first time it happened to me. This practice is deceptive and intentional. It needs to be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited a money order on XX/XX/XXXX at ATM at a branch. Was not given {$220.00} available funds immediately as US Bank account rules state. All funds appeared to be put on hold. NO COMMUNICATION ever from US Bank -- there must be some rules about bank holding funds and at least communicating about it. I went to branch on XX/XX/XXXX and spoke with teller. She stated that 7-day hold, funds would be available first thing on XX/XX/XXXX. On XX/XX/XXXX no funds available. XX/XX/XXXX no funds available. XX/XX/XXXX called US Bank XXXX line -- very unhelpful and stated that US Bank DOES NOT COMMUNICATE when holding customer funds- phone agent could do nothing and hold investigations " usually complete '' in 7 business days ( big difference ), but could take longer. Funds were finally available on XXXX. There must be rules violated here about a bank not accepting their own deposit rules ( available immediate funds ) and then not even communicating with a customer about holding their funds. Please let me know what other regulatory agencies need to be aware of this so this practice stops.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX- I spoke to a US Bank XXXX XXXX XXXX Loan specialist to discuss the options that I have due to losing my home with this mortage last year when a car drove threw it on XXXX. This young male representative from XXXX Bank XXXX XXXX not only refused to assist me but was argumentative and denied me any options for mortage assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Received letter from US Bank dated XX/XX/22, but of course it did not arrive until about one week later. Letter is attached, stating " Please be advised that we have elected to close your deposit account with us. '' Local branch is still open and has no clue. Normal deposits and they see nothing out of ordinary. US Bank has given a mere 10 days from date of letter, this is way to short and under time pressure to change autopays and deposits. I notified social security today and that can not update until XXXX payment, so appears my XXXX Social Security payment for my wife and I will bounce back and have some follow up to do on this. In addition, lucky for us our tax refunds posted, or bigger issue to have those bounced by US bank. Pretty poor notice and NO REASON. I feel there is discrimination of some kind as well as possible corporate abuse for closing accounts with poor notification timing to give customer time to change banks. Luckily we have another one to map over accounts, but even more pain if did not have another bank. These banks really have to be more conscious of consumers instead of their abusive language and unilateral terms to do whatever they want cause their terms say they can. I have attached most recent history for review. I am really concerned as no reason given in letter and local branch has no clue. It appears coming from corporate cost cutters- and super short notice which can cause many consumer major headaches for a Bank 's apparent unilateral terms without cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I had opened my US Bank Easy Checking account during the promotional period wherein if I get a direct deposit of {$4000.00} or above then I would be eligible for a {$400.00} bonus for opening my bank account. I opened my account over the phone and the representative over the phone said that I was registered for the promotion and that I would get it within a couple of business days of fulfilling the requirements. I opened my US Bank Easy Checking account back in late XXXX and I have already funded it with multiple direct deposits of over {$4000.00}. However, I have not received that bank bonus yet and after calling customer service, I did not get any proper response as to why the bonus has not been posted. They did not provide any resolution on the matter. I am hoping to escalate this matter so I can get the issue resolved and attain that {$400.00} bonus that I am missing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased a XXXX Tool cart from this website using XXXX which withdrew the money from my Usbank checking acct {$93.00} was withdrawn on XX/XX/22. I never got an confirmation email from the website I purchased it from and I never recieved the item I purchased but I still had the website pulled up on my phone so tried contacting the website with no response on there end. So I looked on my XXXX to see where the money came out of and it came out as a transaction to a person XXXX XXXX which is not what I authorized I purchased a product. XXXX denied my claim after I provided them with the fraudulent website and referred me to my bank and said I should have buyer protection. I called Usbank was referred to XXXX XXXX XXXX I spoke with a lady who said she was going to send out paperwork for me to fill out and also informed me I only had XXXX days to submit the paperwork and that I could send my own note explaining what happened and faxed it. I called again several times I always got transferred to several different departments was told by a couple of people that my end was breaking up and they couldnt hear me so had to hang up and call back again to start the process all over again XXXX different times. I finally get a letter back from the bank stating that my claim was denied because it was determined that I authorized this transaction when I didnt. I thought I was purchasing a item from a sales website and the person set up the website to scam shoppers out of there money. I sent a link to the website I purchased from so the bank could see it is a fraudulent website and reimburse me the money I lost. Usbank is also making it very hard to talk to the correct person or department when I call to get this worked out. They advertise buyer protection but have not properly investigated my claim otherwise they would have ruled in my favor. XXXX was also quick to deny my claim saying I authorized it. I was scammed my money by a fraudulent website I did NOT authorize a payment to and individual it was supposed to be for the item on this website. I never knew websites like this existed. I do a lot of online and have only been scammed maybe XXXX other time but looked legitimate and than the person set up the payment as a friends and family payment to scam me out of my money and XXXX and Usbank are denying my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 in the morning I checked my checking account. I saw XXXX transactions that I did not approve of. There was a phone number attached to XXXX transaction so I called the number and asked the person why were they taking this money from my account. They said sorry we didn't mean to do it I will back it out. Then the US bank called me and asked if I aproved of these transactions and I said no. When I was speaking with the bank the person put in another transaction and since it was pending the bank was able to stop it. I asked if they would give me my money back on the other XXXX and they said I had to go to my bank to do it. I did several times then I got XXXX letters from the bank stating that " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. Why would they call me to ask me if the transaction was ok and I say no and they stopped the XXXX but they didn't give me my money back on the other 3? Claim numbers are XXXX for {$980.00}, XXXX for {$1900.00} and XXXX for {$500.00}. I don't understand why I can't get my money back when I told them when the back call to find out if I aproved these transaction I told them no I didn't
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2022 US Bank received my check for the amount of {$25000.00}, cashed my check and never applied the check to my auto loan balance. After I received notification that my check was cashed I called US Bank and they assured me that they were doing some calculations to apply the amount to the outstanding balance. After about 15 days I received a cashier 's check from US Bank for the same {$25000.00} XXXX sent to them. I called them and was told that since my balance was lower than {$25000.00} they refunded me the check. I tried to cash the check but they had put a stop payment to the check. I called them and was informed that they would send a new check without explanation why they had put a stop-payment. I have not received the check from them since XXXX. In the mean time I have my auto loan with them for which they charge me {$1200.00} interest every month. So my money is sitting with them without gaining interest but their money gains them {$1200.00} every month. I have been calling them from XXXX on and it seems like I am dealing with a XXXX XXXXXXXX XXXX bank. I have never seen a bank this incompetent and unorganized. One telephone number to call for all your US Bank needs, and no one knows what is going on, except for the manager will call me. No check, no phone calls only my payments to them for the loan that must have long been paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A