Date Received: 2022-09-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was very confident about opening my new US Bank account on XX/XX/2022. I have been gradually transferring my retirement and 401K funds from my XXXX Account into this new account over the last few weeks and have much more to complete. Unfortunately, the teller that opened my checking and savings account illegally accessed my consumer credit report and attempted to open a credit card without my permission. We sat together at the desk and discussed the offer to open such an account which I verbally declined. He told me that I needed to open a credit card account to avoid fees. I explained to him that since I am over XXXX that US Bank will not charge me monthly fees, which he was not aware of. I also explained that my credit score was only XXXX that week due to an emergency the previous month when i had to quickly max out my current XXXX credit cards. I knew I would be declined and dont need an additional card at this time. I said that in the future I would apply for the US Bank card. I am VERY well-informed about repairing my credit score so that I can refinance my current car loan soon and possibly buy a home in the future. I am more cognizant of the credit game than your average person. Additionally, the teller ordered preprinted checks for my account after I declined preprinted checks. I told him that I would purchase some online from another company and he provided me with some counter checks. Hilariously, the checks that he ordered are NOTHING that I would have ordered. They were of a political nature and my political views, although personal, have nothing to do with those checks. He read my WRONG. The bank manager refunded those checks and shredded them for me. It always seems to me that US Bank pressures its employees to meet sales goals as part of their job requirements, offering them incentives for selling bank products because I am literally asked every single time I walk up to a teller at the branch if I want a US Bank credit card. I have told all XXXX of them, repeatedly, no, that I needed to raise my credit score first. They could attest to that if asked. Also, why would I say yes to one person and not the others or tell them that I had already applied? The answer is because I had no knowledge that an application had been submitted. The bank employee illegally accessed my customer credit report and personal data to open an account without my permission. I am requesting that the inquiry for credit be rescinded as it was fraudulent. I was taken advantage of by misappropriation of my consumer data to create a fictitious account for which employees now receive incentives only for accounts where the customer uses the service. U.S. Banks conduct harmed my financial opportunities in the form of a potential unwanted account and a negative effect on my credit profile. the only measure that was taken by the bank manager was to ask me if I had read the 1/4 inch form that the teller handed me which she said had my signature approving the inquiry. When I signed the tiny screen approving my new checking and savings account, after declining the offer for a credit card, I never gave it another though. I trusted that the teller had abided by our discussion and my needs..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/13 - I booked an air ticket for my grandmother through USBanks travel reward portal which shows ticket is refundable if canceled within 24 hours. Now when I tried to cancel, they said it cant be canceled and I have to contact the airline. I have been getting run arounds from both the credit card and airline. Airline said since credit card is a travel agent for us, you have to cancel with them. The amount is $ XXXX and need a refund for the ticket. Instead of canceling I was advised to open a dispute ( which I did ) but I feel this is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: ATM card fraud. {$2400.00} was fraudulently taken from my US Bank account. After filing several complaints, hours on the phone, and being told in writing the fraudulent funds would be credited back to my account within 10 days, it has not happened. It has been more than 20 business days and emails are not returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In the begging of XX/XX/2022 my wallet and phone were stolen. I didn't have access to my bank account until I got a new phone. When I finally got access to my mobile app I reached out to the bank to dispute some charged from XXXX which were taken place in XXXX XXXX. I also seen that there was a very obvious fake check that someone had tried to deposit using my mobile app. I was never once notified by the bank that there was any suspicious activity on my account until I called myself to ask about the situation. I was passed around to over a dozen departments with no answers. I was in the process of moving into my new apartment as well and was unable to because my funds were frozen. It's now been over two months with no update on the fraud status which had been very draining and mentally exhausting for me to still be dealing with. I went into the US bank brand in XXXX XXXX XXXX to speak to a consultant on XX/XX/2022 at XXXX. He gave me a temp card for the account that was showing as Active since XX/XX/2022 ... I was never informed that the account was still " active ''. So the next day I tried to use the temp card and it declined.. leaving me with all the items I had ordered at dinner unpaid for.. Now I tried to speak to the branch manager and she was giving me no information about my own account. I will have to get my attorney involved if this matter isn't handled. I do not want to bank with US bank any longer. I want my last deposit from current employer released. There has been over 12 people I've spoken to and no one person has been able to help me. The consultant at the bank lied to me about a new account that was made for me on XX/XX/2022 when I reported the fraud. I will not stop until I get my money out of that account. The bank in XXXX XXXX XXXX has be very awful and rude towards me in every which way possible. I also received a letter in the mail with a picture of the fake check and a letter stating the account was going to be closed. I HAVE NO RECEIVED ANY FUNDS THAT ARE RIGHTFULLY MINE IN OVER TWO MONTHS NOW!!! THIS IS VERY UPSETTING AND MENTALLY DRAINING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Ive had the XXXX XXXX credit card for over 10 years. They recently switched the cards from USBank to XXXX. USBank neglected to send some customers ( including me ) their last bill before the switch. Therefore the bill was not paid and XXXX assessed late fees and interest fees to those affected. USBank admitted the mistake to XXXX and XXXX ( but not me ) so XXXX agreed to waive ( credit back ) the fees. However, the delinquency and the fees may get reported to the credit bureaus and affect our credit ratings. I am in the process of applying for a home loan for which they will check my credit. I simply asked USBank for a letter explaining their mistake so I could show that to my lender to prove the delinquency was not my fault. USBank VERY RUDELY and repeatedly refused. I asked XXXX for a letter and they refused as well. I have asked XXXX for a letter too but havent heard back. I am one of many innocent victims in this horrible situation and no one will help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Received a call on XX/XX/XXXX from a company called XXXX XXXX ( XXXX ) XXXX. They stated I was being sued over an outstanding debt from US Bank from XXXX to XXXX. I do not recognize this debt and asked them to provide me with copies of the agreements. They told me that they didn't have to provide this information and that I could " tell this to the judge ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Inquiries added to my credit report that were not authorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: US Bank offered a cards that would give a cash back of {$200.00} after spending {$1000.00} in 90 days. I spent {$1300.00} then stopped using the card while waiting to see the {$200.00} credit applied. Four months later I did not see the credit and called the bank. I was told the credit wouldn't be applied until the " offer '' ended, which was 1 to 2 months later ( reportedly ). After not seeing the credit, I called the bank two months later and was told there was no such offer, that I was to have spent {$2000.00} in the time period not {$1000.00}, so I wasn't entitled to any credit. I subsequently cancelled the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from XXXX ( XXXX XXXX XXXX? XXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : //www.facebook.com/baohannguyen.helia. Please help me, what should I do to get my funds back. Should I go and report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX Can they be trusted?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Friday, XX/XX/XXXX, I attempted to log into my online US Bank account. However, I had changed my password a couple weeks back and my browser incorrectly saved the updated passcode so I mistakenly used a previous password. After XXXX attempts at logging in, I requested a new password. However, after going through XXXX authentication and in creating a new password, I was then presented with an error message when attempting to re-log in with the new password. I contacted US Bank customer support almost immediately and, after speaking to an agent, I was directed to the company 's fraud response department. However, the agent I was directed to was not available and I was presented with her voice mail. I made several subsequent attempts to contact US Bank 's fraud response department and, each time, I would speak to an initial agent, then be referred to another agent, only to then be directed to a voice mail. Each time I was directed to a voice mail, I provided my name, phone number and account number as requested. On XX/XX/XXXX, at approximately XXXX XXXX PST, after calling US Bank once again, I was informed that an agent named " XXXX '' with the fraud response department was the only individual who was able to remove the hold on my account. The agent who informed me of this provided me with XXXX 's direct phone number, along with forwarding me to her. Again, I was directed to her voice mail. On XX/XX/XXXX, at approximately XXXXXXXX XXXX PST, I called XXXX 's direct line. I was again directed to her voice mail. XXXX, nor any other US Bank agent, has made a subsequent attempt to contact me directly despite providing them with my contact information and a description of the issue I have been experiencing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97305
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A