Date Received: 2022-09-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I closed my account on XXXX and was assured that no transactions would allow the account to reopen. I specifically asked about ACH transactions and they reassured me that no attempted transaction would reopen the account. However, on XXXX an attempted ACH transaction from the previous co-account holder was issued and caused the account to go negative in the amount of {$450.00}. As the previous co-account holder can not be contacted, I called the fraud department and asked that they reverse the transaction and reclose the account. They initially agree but then retracted stating that there was nothing they could do about an ACH, contrary to what I was told when I closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: XXXX XXXX or XXXX XXXX XXXX XXXX Loan # XXXX VIN XXXX Pay off letter was obtained XX/XX/22 for the amount of {$59000.00} good through XX/XX/22. The amount of {$59000.00} was wire transferred to the loan on XX/XX/22. The loan was paid off and closed and the title was sent to me by mail I have it in my hand with a letter from the bank stating the loan was paid in full. See attachments. On XX/XX/22 I reviewed loan online and the bank opened loan back up reversed the wire transfer then reposted the wire transfer for the incorrect amount of {$56000.00} reflect a outstanding balance owed of {$2400.00}. This is illegal and a violation of consumer protections regulations and UDAAP. This must be investigated and corrected asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Elian Financial Service Refused to send me credit card statements that I requested, I have contacted them for XXXX more n=months, each time I spent 5+ hours, My Elan Fianncial Service credit card associated with XXXX I opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX, I requested Elan Financial Service XXXXo send me teh XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my activity statements, I called Elan Financial Service multiple times , their customer service sometimes can not find the card ending on XXXX, then they asked to change mu card, they said that it was opened in XXXX, and you changed the last 4 digits, there were no activates in XXXX, so they refused to send to me anything. Some find the card, then thye said that It was out in Archive, so the dept does nto aloow Archive statement to send out to credit owner, some found it and made the request, I still received nothing until today, and some asked my fax, offered to fax to me, after gave out the fax number, I still does not receive anything!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt collector - servicer - keeps sending monthly statements to my home. Notice to CEASE & DESIST being mailed to the address they requested it be mailed to ( per their statements ) see attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2022 I went to https : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do and saw a promotional offer advertised with the following terms : {$500.00} cash back if spend {$4500.00} in 3 months. I have proof that on XX/XX/2022 the website advertised this offer via XXXX. See : XXXX XXXX XXXX : //bizcards.usbank.com/credit/business-triple-cash-back-credit-card.do I clicked the apply link and applied for the card. I spent {$4500.00} in 3 months. I never received the bonus. I called to ask why I did not receive the bonus, I was told that when I registered for the card no such bonus was applied to my account. I asked for them to fix it, and some days later received a letter stating : " We are unable to change your enrollment offer '' Please consider the date of the archive.org snapshot that displays an offer of {$500.00} cash back on XX/XX/XXXX, and consider the PDF of email dated XX/XX/XXXX stating that I have signed up for this exact card. I am due {$500.00} cash back. This is false advertisement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I contacted the company several times to change my personal information that was compromised. They refused to change my information to help my identity. My local bank has a different story. I payed through them every month on top for all my payments I made through out every month. I made a XXXX dollar payment out of XXXX dollars before they closed the card then added another XXXX dollars this past month. They seem to raise my loan all the time. The current balance is {$610.00} no transactions so far. available credit is XXXX. Last statement balance {$610.00}. They wanted to have a payment quickly. statement closing date XX/XX/2022 payment due date XXXX ; XXXX miminumun payment {$40.00} When I call them they tell me I have to pay them every XXXX by that date. I told them I have social security. They didnt seem to care. My first payment was XX/XX/2022 of {$100.00} Payment description was payment thank you. for each payment. next payment receeived was XX/XX/2022 of XXXX then XX/XX/2022 {$200.00} then the next payment was XX/XX/2022 of {$50.00}. After my second payment I noticed someone from my local bank contacted me and told me to come in and said someone was pulling out money without my permission. I found out it was the credit card company. They took out the rest of the payment of the card without my permission and consent that month after I payed them {$100.00} on XX/XX/2022 everytime someone uses that card or number my loan increases. They refuse to close it. They keep it open all the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email from credit karma that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( US Bank ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2022 at US BANK branch location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I was subject to improperly manipulation in my debit card transactions in order to generate excess overdraft fee revenue. US BANK has been sued for this before in the past. I was rudely kicked out of the US Bank XXXX on XX/XX/2022 by bank XXXX XXXX XXXX ID # XXXX contact info direct line XXXX branch line XXXX fax XXXX E-mail XXXX. I was told by the XXXX and I quote " we close in XXXX minutes I don't have time for this you can leave. '' I was taken back after she said I was being rude for asking her to help figure this issue out. And she would not show me her screen and scroll past all the invalid charges not wanting answer my questions. She continued to humiliate me in front of staff and customers kicking me out not wanting to help due to them closing in XXXX minutes. I was mad and asked what I can do cancel the account and she canceled it with confirming it first and said goodbye its done. And when asked for proof I wasn't given any and was told I would get it to an old address I don't live at any more. I'm reaching out because I didn't receive my charges waived and they will now effect my credit and be sent to owe something that is truly mine. In the past a U.S. Bank 's settle a law XXXX XXXX the exact same reason that i had gone into the bank today. The lawsuits claim that U.S. Bank 's internal computer system re-sequenced the actual order of its customers ' debit card and ATM transactions, by posting them in highest-to-lowest dollar amount rather than in the actual order in which they were initiated by customers and authorized by the bank. According to the lawsuits, U.S. Bank 's practice resulted in its customers being charged substantially more in overdraft fees than if the debit card and ATM transactions had been posted in the order in which they were initiated and authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have attached a letter that i have been a victim of identity theft and fraud in my bank account. I have supplied all documentation to US Bank informing them that I am a victim of identity theft, there were multiple eft ach debits taken out of my account from XXXX XXXX and XXXX XXXX XXXX XXXX. Upon contacting the companies and sending my information over they used my maiden last name different social and other fraud information to obtain 2 rental properties. I have suplied the documents to US bank s well as proof of my residence since XXXX i would like this matter investigated and in the attachments you willl see all of the information supporting clearly this is a case of fraud and identity theft charges started XX/XX/XXXX and ended XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a business checking account with US Bank on XX/XX/XXXX - a new account bonus of {$500.00} was offered via an online ad if I deposited {$5000.00} within 30 days and completed 5 qualifying transactions within 90 days. I signed up for the account after clicking on the ad with promo code XXXX. I deposited {$5000.00} on XX/XX/XXXX and completed the XXXX qualifying transaction on or before XX/XX/XXXX. The {$5000.00} remained on deposit with the bank until XX/XX/XXXX. I contacted the bank in early XXXX and was told it would be 45 days from my last transaction for the bonus to post ( which would equate to XX/XX/XXXX ). As of today, XX/XX/XXXX, the bonus has still not posted and after contacting the bank again today, I was transferred to 3 different departments with no resolution and was disconnected without getting additional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18944
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A