Date Received: 2022-09-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: After nearly two years of having a us bank secured credit card I was able to establish a consumer credit rating score that was scaled good. I signed up with US Bank by opening a secured savings account and deposited {$300.00} dollars in XXXX of XXXX. I made all my monthly payment on time. On XX/XX/XXXX at the local branch with the manager, I completed the form provided, requesting to have the secured savings account closed. My balance owed at the time of closing was {$290.00} and US BANK was to apply the {$300.00} secured savings deposit to the secured credit card balance, and mail a cashier check to the address on file in the amount remaining XXXX - XXXX XXXX balance owed to me I never received. Instead US BANK on XXXX XXXX failed in their duties of trust and applied a late fee and interest on my closed account. The issue is I have sustained negative impact on my credit report, causing damage to me and XXXX business in excess of {$100000.00} dollars. It is a depressing world with the corporate banks and the inconvenience their games. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: XXXX XXXX im struggling with my us bank mortgage loans for fix heating furance since XXXX i application many times..my us bank mortage unable to provide us a loans many times due credit.. iam very frustraition no heating furance long time that is enough.. i need loan now before hate cold.. i used space heating burn plugs make me so XXXX. XXXX XXXX.. XXXX XXXX..i dont know what do? i wont sell due my horses need place to stay.. i can't afford buy other due price up..i did application for the heating company but unable to help me due credit .. my hubby call the oregon who made XXXX manfuctured home problem elertic system he need mannal they are saying no help.. its recalled.. worse upseting..i email to my usbank about new manfuctured home they are saying no.. iam very stuck since XXXX! i need fix..need warm for my health.. take care XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My mother, XXXX XXXX XXXXXXXX passed away XX/XX/2022. She had a checking account with US Bank which I attempted to close starting on XX/XX/2022 when I sent the requested death certificate, power of attorney and my identification to XXXX XXXX XXXXXXXX ( XXXX ) I received an auto reply directing my to make any further requests to US Bank Life Events. I have sent additional emails and left phone messages with US Bank Life Events throughout XXXX with absolutely no response other than 1 generic email sent XX/XX/XXXX stating that someone from US bank would contact me which no one has.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 I was communicating with a person who I was friends with on XXXX. I knew this person and had previously worked with them. We communicated via XXXX XXXX, and this person even sent me a video chat to verify that I was speaking to the correct person. I was going to purchase a four-wheeler from this individual and they gave me their XXXX information to send a down payment for the product for {$500.00}. After I sent the payment the person never again responded to any of my requests. After a few days there was a response that this person had been scammed and that the person that was making the requests was not in fact the person that I was speaking to. So I was scammed out of {$500.00} and did not receive any product. The XXXX information that was provided to me was XXXX XXXX at email address XXXX sent on XX/XX/XXXX for {$500.00}. I tried to dispute this transaction as not authorized with my bank at U.S. Bank and they have denied my claim as of XX/XX/2022. I feel as though since I was lied to about who exactly I was sending the money to, that this is in fact a scam and should be protected against from others in this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 421XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I called the Associated Bank " customer care line '' at XXXX regarding a statement I had received for my credit card which stated not only that I had a an overdue balance of {$75.00} on the card, but that my account was being assessed late fees on a monthly basis. I was told no associates were available to respond to my inquiry ; I remained on hold for a total of 116 minutes before hanging up without speaking to anyone. On XX/XX/XXXX, I called again regarding the same issue, and was able to speak to a representative after a 15 minute hold. I reported to this representative that the transaction for which late fees were being assessed was fraudulent, not made or authorized by me in any way, and should be struck from my statement immediately in addition to any and all associated late fees or charges. This representative informed me that they would be unable to assist me on my case, as they were not permitted to render decisions regarding fraudulent transactions. I was told by this representative that my case was being handed off to someone in the fraud department, and that someone would call me in 24-48 hours to gather additional information on my case. I never received a call from Associated Bank regarding this issue. Between XX/XX/XXXX and XX/XX/XXXX, I received another paper statement from Associated Bank stating my account was past due, and that additional late fees had been assessed to my account. On XX/XX/XXXX, I called again regarding this issue, stating that I had received no response from Associated Bank regarding my fraud claim. After another hold, the associate I spoke to connected me with a claims manager from the fraud department. I was asked a few questions regarding my claim ; I explained that I did not make the purchase that was overdue on my account, and that I had not had any interaction with the merchant ( XXXX ) for many years ( I can not eat most XXXX products due to XXXX XXXX ). I was told that the issue was resolved ; the charge on my account was fraud and the charge would be removed, in addition to any late fees associated with it. I was told I would also receive documents in the mail that would confirm the closure of my account ( which I also requested ). I did not receive any such documentation, as of XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail from Associated Bank, dated XX/XX/XXXX, which read that ( 1 ) the charge I had reported as fraud was still applied to my statement and ( 2 ) yet more late fees for non payment had been assessed to my account. I immediately called Associated Bank again at XXXX. I explained the situation thus far, and was connected with a supervisor. This supervisor told me that my fraud claim had erroneously been filed as a " dispute '' rather than " fraud '' and was rejected by Associated Bank. I was told that additional information was required to remove the charge from my account and that a representative would be in contact within 48 hours. I expressed my concern that I would not receive this call, given the above history, and requested that communications regarding this matter be exchanged in some form of writing ( for better documentation ). I was told that there are no methods of written communication ( mail, email, etc. ) that I could use to discuss further matters on this claim. I proceeded to ask this supervisor for the contact information for their FTC regulatory authority, with the intention of contacting them to file a complaint. After a brief hold, I was told that no such regulator presides over the bank, and that their contact information was not available. I was told I could send complaints regarding this matter to : Office of the President XXXX XXXX XXXX XXXX, ND XXXX Before hanging up, I also requested that I receive copies of any and all communications sent from Associated Bank to me in the last 6 months, a letter detailing the reasons my claim was rejected, in addition to the methodology used to come to such a determination, and copies of any and all information that Associated Bank has collected on me congruent with FDIC regulations. I was told these would be sent to me ( the supervisor was not specific on which medium I would receive them in ) I feel that I should not be responsible for these fraudulent charges due to the following : ( 1 ) I reported this as a fraudulent transaction to Associated Bank as soon as I saw the overdue statement ( 2 ) Associated Bank improperly filed my claim as a " dispute '' rather than " fraud '' ( 3 ) I was told prior to XX/XX/XXXX that my claim was resolved, my account would be closed, and that no additional monies were due from me to Associated Bank in relation to this claim ( 4 ) I did not receive any corroborating documents related to my claim, it's resolution, or any reasoning behind its rejection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Facts : I have been a customer for literally decades, for the past two years they have been our primary provider of services for a general-purpose credit card for myself, my wife, and our XXXX children as I've tried to simplify/minimize how many financial institutions I interact with. On or about the XXXX of XXXX, and with no warning or any explanation, our account was permanently closed. XX/XX/XXXX 's payment was returned XXXX. Why? I can tell you exactly why the last payment was made late. Typically, when you go onto their website the day your payment is due, and make said payment by the cutoff, those funds will then be pulled from your designated/linked funding account the following day. In my case, my payments are typically made right on the XXXX ( due date ), and the funds come out of my checking account on the XXXX, like clockwork ( or the following business day ). Since this was my first time for the automatic payment, I had set it up for the due date, the XXXX, and so would have expected the XXXX request to be submitted that day and then would have pulled from my checking account on the XXXX. However, that was not the case, they pulled on the XXXX and I had not yet transferred funds and it was therefore returned NSF. This difference in timing of pulling funds .is 'unfair and deceptive '. Just like the due date never changes, why would the date change for when the payment would pull? As soon as I noticed this, I immediately called and submitted a new replacement payment of {$17000.00} which cleared no problem on XX/XX/XXXX ( only delayed due to the weekend in between the dates of the original payment and the second payment ). During this time our cards were no longer working, while traveling and the holiday, and my kids on their own, so I had called Fidelity to find out why ( it took multiple LONG calls/wait times, to finally get an answer ) and they said due to the large, returned payment the card had a temporary hold until XX/XX/XXXX. Rewards from XX/XX/XXXX - XX/XX/XXXX were available and could have been cashed out as they were 100 % earned. Fidelity 's default setting is to pay you your rewards out each month, normally I would have been paid these points, and accordingly- they were 100 % earned based on their normal/standard practice and all of a sudden saying they were no longer mine is yet another way they have been unfair and deceptive. On XX/XX/XXXX our cards were still not working so I called to find out why they still were not working and THEN ( never before had I any reason to believe or be led to believe this was nothing more than a temporary hold ) was told my account was permanently closed and I was in complete shock and dismay as to why. This caused, and is still causing, myself, my wife, and each of our XXXX children who all had linked cards and impacts each of our credit reports/scores. If they dont want me as a customer, fine, but I'm due an explanation as to why because Im about as good a credit risk as you could ever find. Having one NSF payment, which was immediately corrected, and as I mentioned is as much their fault as mine, does not seem like it warranted closing my account. In addition to the problems this created financially, and the ongoing problems with all six of our credit reports, they also stole over {$1300.00} worth of rewards I had 100 % EARNED and now they are just gone. Had they told me in the beginning that my account was under review for potential closure, as opposed to just being temporarily suspended until XX/XX/XXXX due to the XXXX I could have cashed out these rewards/applied them to my outstanding balance, but they gave me NO reason to believe that this was anything other than temporary. They are still 'adding & subtracting ' rewards for trailing activity, as represented most recently by my recent statement ( XX/XX/XXXX - XX/XX/XXXX ) showing a " Rewards Points Balance '' of XXXX. These rewards should absolutely be paid out to me because the bulk of them were all earned long before this late payment. I do expect a straight answer as to the reason my account was closed and how my family has all of a sudden lost our main source of access to credit for our daily needs. I ultimately want this account restored, but at a minimum I want my rewards that had were 100 % earned and eligible for withdrawal and/or statement credit or I will continue to fight this either with legal counsel or mediation. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A bunch of inquiries appeared on my credit report without me knowledge or consent. these inquiries are : XXXX XXXX, XXXX, ELAN FINANCIAL XXXX XXXX XXXX, XXXX XXXX XXXX CITIZENS BANK, XXXX XXXX plus more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Having tried to resolve in a previous complaint with this Bureau, the fact that the U.S. Bank continues to withdraw money without authorization, the complainant now states that this same problem has arisen again. In that on, or about XX/XX/2022, U.S. Bank over drafted the checking account after we discussed removing any and all courtesy transaction features that exceeded the amount available. Even so, today I discovered a charge that exceeded the amount available in the account, though they agreed to discontinue this practice. The amount was in the sum of {$780.00}. Steps were taken to remedy this problem and mitigate the loss. However, the bank violated our contractual agreement irrespectively. Once again demonstrating they are gaining transactional permission without my consent. This problem wasn't corrected, and I have now been affected thereby. Both physically and emotionally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Original complaint # XXXX Within the previous complaint I filed US Bank admitted ( in their written response ) they initially thought funds that were credited to my account were from the HAF Program. US Bank stated in the letter that the funds were from the loan modification ( which I was only aware of the distribution of payments/funds XX/XX/XXXX when I called to inquire. ( Please see statement from US Bank response to previous complaint ) " On XX/XX/XXXX, you spoke with an agent regarding cancelling the modification and using the HAF assistance funds to bring the account current. The agent informed you that HAF funds had been applied to your account and they would attempt to cancel your modification. Upon further review, we determined the funds that were applied to your account were the result of the loan modification, not HAF funds. '' I was not aware of the funds being applied because of the loan modification and not HAF ; therefore I received incorrect information pertaining to my account. The account is current because I also had to make a payment with the loan modification. US Bank also failed to include in their response that I applied several times beginning XX/XX/XXXX until XX/XX/XXXX ( denied several times and received incorrect information from US Bank representatives ) for a loan modification with the same information that was used to complete the last request ( XX/XX/XXXX ) for a loan modification. This process alone was extremely stressful due to the COVID pandemic as well as financially due to the hardships I experienced. I also forwarded my HAF Award Letter on XX/XX/XXXX as well as called several times in reference to US Bank receiving the letter. From my understanding the award letter could be forwarded to the lender as a correspondence to show the customers award amounts. I also forwarded the letter which clearly show forward payments for 18 months. The loan modification was completed on XX/XX/XXXX which is after the award letter was sent via email. The funds for the past due balance were sent back because US Bank purposely waited until the timeframe to cancel the loan modification had passed. I'm still unsure if my forward payments will be applied to my account once they are received from HAF. I have attached the HAF Award Letters ( which was sent to the XXXX email address ) as well as my initial mortgage assistance application and hardship dated XX/XX/XXXX ; which is the time I initially requested assistance to bring my account current
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A