Date Received: 2022-09-27
Issue: Problem with customer service
Subissue:
Consumer Complaint: I went to my bank us bank XX/XX/22 asked for cashier 's check told them to whom I needed it for they denied me and said they don't write checks for that business.like it's any of their business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In previous case # XXXX US Bank Responded see attached. AS YOU WILL SEE XXXX XXXX senior customer service frivolous response not to mention a lye, my address is clearly right as well same they mailed checks to and statements his response clearly has no waiver and is wrong as council was secured this goes in the record and clearly shows from inter office correspondences that now not only discrimtory but he has taken this personal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89106
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX2022-I called the company and they just transferred me to another company that was a credit counselor who couldn't help they just told me to call XXXX XXXX and they just forwarded me to XXXX XXXX XXXX that the robot just hangs up on me. Plus I don't want to go this route. I want to negotiate with the company itself. I requested a hardship. Nobody cared. dead ends everywhere I go. The company is US Bank Visa. my monthly payment now is $ XXXX and they are charging me {$170.00} interest for the month of XXXX, 2022, {$140.00} interest for XXXX, 2022 and {$140.00} for XXXX, 2022. I will never pay this bill off and I told US Bank that I'm going to stop paying all together, and ill have to claim bankruptcy. I owe approximately {$8000.00} on this one bill and it never goes down. I can not keep paying this bill when only {$50.00} a month goes to the principal. its Ludacris. I am XXXX years old, XXXX and I live on a limited income. Also I would never agreed to a 26.99 % interest rate, when im living off of social security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XX/XX/2022 I opened a checking account with US Bank. I deposited {$4000.00} when I opened the account. I never had a bounced deposit, bounced check or overdraft. Approximately mid XX/XX/2022 I was locked out of the online access. That begin a period of repeated calling the customer service phone line, local branches and multiple in person visits to find out why I could not access my account of over {$4000.00} funds still remaining. By early XXXX, I was told my account had been " flagged for fraud '' because I had deposited a monthly check in another state, that my account had been closed and I should receive a check for the balance within a week. That never happened. The most disturbing part of this is that US Bank has never once contacted me - no email, no letters or phone calls. I was not allowed to contact the " fraud department ' either - only 'customer fraud XXXX department XXXX who continually said they had no information on my account status. I have been endlessly calling only to be given misleading or flat out incorrect information. I was told repeatedly a balance check had been mailed out in XXXX. I never received the check so they said they would put a 'trace ' on it. This was a lie, no check had ever been mailed out which was finally confirmed this week by a local branch employee. How is it legal that a bank can lock your account and not be required to notify the account holder as to why or how to remedy the situation? Are they not required to notify account holders of fraud claims or other problems with the account? Is there so little oversight of banking practices they can freeze funds indefinitely without any due process?
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: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 105 days ago, on XX/XX/2022, my XXXX and ID were stolen. I was concerned that the thieves would be able to access my U.S. Bank account on my phone. When I tried to log on to my U.S. Bank online account from my computer to check for fraudulent activity, I discovered my account had been hacked, and my password and contact information had been changed. Since I didnt have my XXXX for two-factor authorization to regain access to my accounts, U.S. Bank froze my online banking access, making it impossible to see exactly what was being withdrawn from or charged on my accounts. On XX/XX/XXXX, I called U.S. Bank to freeze my checking account and credit cards. On XX/XX/XXXX, I made a police report, put a freeze on all 3 credit agencies, then went to my U.S. Bank branch to file a complete fraud report. That's when I discovered that over {$6000.00} had been fraudulently withdrawn from my account via fraudulent " Teller Savings Withdrawals '' at 2 different U.S. Bank branches, multiple ATM withdrawals on the same day in different locations, and unauthorized XXXX transactions to recipients added to my account after my phone was stolen. That day at the branch, I immediately opened a new checking account and transferred my remaining balance for safe-keeping. The branch banker handed me a PDF of debits and charges on my ( now-closed ) checking account and credit cards. I was shocked to see how many transactions U.S. Bank had allowed to go through, even though the fraud was obvious. I highlighted each fraudulent transaction on the PDF, and they filed the report with their fraud department. I filled out a separate paper form to report fraudulent Teller Withdrawals, and the branch faxed it to their fraud department - however, in mid-XXXX, on one of my many calls to U.S. Banks Fraud Liaison Center, I was told that my fraud claim wasnt proceeding because one page of this paper claim form faxed by the branch was missing. I immediately went to the branch and had them re-fax the entire report. On XX/XX/XXXX, I called U.S. Banks Fraud Liaison Center to make sure all of the fraudulent transactions had been reported by the branch banker. At the recommendation of an XXXX XXXX, I also filed a security freeze with XXXX for all bank and personal data. I combed through my XXXX account and discovered a fraudulent account had been opened with XXXX XXXX and a new XXXX XXXX had been opened in my name. My XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX accounts had been hacked. I made phone calls to all banks, credit, and cash card companies to report and cancel these fraudulent accounts and reported the fraudulent accounts to all three credit agencies. From XXXX XXXX XXXX XXXX, I called U.S. Banks Fraud Liaison Center 23 times for a total of 321 minutes and made 7 calls for a total of 107 minutes to other U.S. Bank customer service numbers to find out the status of my fraud claim ( I have cellphone records to prove this ). In total to day, I have made 39 calls, talked to bank representatives for over 8 hours, visited my local branch to file fraud claims multiple times to file and follow up on my claim, and tweeted to U.S. Bank repeatedly regarding the fraud that occurred on my accounts over 100 days ago. To date, the bank has not restored the {$6600.00} in stolen funds or given me an update on why my fraud case is still ongoing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60137
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX Someone called me and pretended to be a us bank employee and said that there are three pending charges via XXXX and they were wondering if I authorized those. I said no and we went through the process to reverse them only to find out that that person was taking my money. Three transfers totaling {$3400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a text message alert from U.S Bank fraud on XX/XX/22 with someone who said they were a U.S bank employee had the last XXXX digits of my card, last four digits of my SSN and the city I lived in. Stating someone had used my card in a different state at a XXXX XXXX for the amount {$460.00}. Then they said someone was trying to get money from XXXX for {$2800.00}. They told me a confirmation number they were investigation that turned out to be a phone number. It was not a confirmation number the person was not from U.S bank. I tried to call the number but was not a valid number. I checked and the money was gone. I called U.S bank Fraud and they said they would open a case. My wife had a concern about the checking account being comprised went to the branch and they were rude to her about opening a new account and freezing the old account. I have had issues trying to get the issue resolved with the U.S bank fraud department. The branch open wrong case. It was opened as a dispute not a fraud case. The branch also promised a provisional credit which was is accurate. The branch also didn't close my cards linked to the comprise account. Also the police department asked for a fraud affivate but the bank gave us a indefinitve agreement asking us to waive our rights for any fraud actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I opened my checking account with US bank on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX. Since that day I been having trouble to access to the online banking, I already have my user ID and Password but the system doesnt allow me to access. I sent several emails to XXXX, and on the last email I was requested to go to te branch, situation that is impossible because Im in Florida right now until next year, there are no branches here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I got a car loan from US Bank and my payment got delayed since I was suffering from XXXX complications for the last few months. I had this XXXX complications since I work at a XXXX XXXX and I have to XXXX XXXX XXXX with XXXX Also I tried to setup automatic bill pay from US bank web site and keep getting error online banking is not available at this time ( attached is the snapshot ) and along with XXXX complications and long wait time to get hold of US bank customer care I missed a payment. I kindly request that US bank waived the late payment as a courtesy and the US bank web site allow me to set up an online bill pay to avoid late fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hackers used my social security number and drivers license to try and open an account! It was denied, but I received a letter from the bank!
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: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A