Date Received: 2022-09-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a card mailer from U. S. Bank around XXXX XXXX XXXX, that to call and verify if I opened this checking acct. or not. I called XXXX on card and gave my name and reason for call, got treated like nothing, and was put on-hold without any further comment from person at that #.. I called listed fraud # XXXX, and was asked to give social sec. #, I didn't give it, and person at # didn't even ask for fraudulent acct. # ; immed. xfr 'd me to automated line to enter an extension #. And this is " theri '' fraud dept.?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89120
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
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: I received a phone call from US Bank - XXXX, stating that they have identified some type of fraud on my account. The lady whom I spoke to XXXX, asked me to provide sensitive information through the phone to confirm my identity. I did, prompted that the caller ID showed up as US Bank, and the lady had information regarding my account. While speaking to XXXX, she told me that there was a different phone number listed as the primary phone number on my account, XXXX, after asking me if that phone number belonged to me, I stated no, and then she proceeded to run transactions by me. All of which I stated were not me. US Bank proceeded to call me on the XXXX of the month. Telling me they are building a case, and have located who exactly was conducting fraud on my account. They then told me that they would provide me a synapsis of my fraud case via email, and that the money would be refunded to me. That following saturday, XXXX, I went into the XXXX XXXX Location in XXXX WA XXXX and met with XXXX XXXX a banker to check my balance. I then found out there was close to XXXX missing from my balance. Once XXXX told me there was this much money missing, I told him that cant be and that the bank has been calling me for a week explaining what is going on. He called over to the fraud department and there was no history of any fraud reporting whatsoever on my account. XXXX helped me file an actual fraud claim on my account, and told me I would be getting a phone call to go over what exactly happened. I received a call from US Bank, on the XXXX telling me that they are removing the fraudulent phone number, XXXX, and that my claim was being processed for approval, given they have had multiple similar claims since XXXX of 2022. I was relieved. However, XXXX, I receive a call from a lady name XXXX, who told me that my claim had been declined, because the purchases that were made totaling close to XXXX, were approved via Text Message. I tried telling her that I hadnt approved anything, and that there was a different phone number listed on my account. However she dismissed me, telling me to send a letter to their XXXX XXXX with a complaint. I went back into US Bank XXXX to speak with the manager at the XXXX XXXX XXXX, and she called over to the Fraud department with me. She told them what was going on, and that I had a different phone number listed, and they told her they would look back into the fraud claim. Today, XXXX I received a call back from XXXX, XXXX, asking me why I requested to speak to her again, because on their end the transactions were approved via text. But they are failing to realize, it was not my phone number that was listed on the account in the first place. I never even conducted online transaction verification until XXXX when XXXX told me it was a good way to track what was going in and out of my accounts. I am a semi truck driver, my wife is a cook. We are both in our XXXX 's and have been clients of US Bank for decades. If you look at our account history, we have never spent that much money in a period of 3 days, nor have we ever invested money online. We dont believe we are being heard out by the fraud department at US Bank XXXX We have records of text messages, call logs, and notes that I took when on the phone with them, but they are still declining to refund us our hard-earned money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98685
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with 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: My bank called, needless to say it was not my bank.They said someone was trying to use XXXX to get my money and they had to close them and I did what they said. So they got my money. {$3500.00}. I've never have used anything like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have made multiple attempts via certified mail to have Elan provide additional details of this debt- all signed by XXXX XXXX- but no response. I have also made multiple attempts in writing for a settlement offer of 30 % of the {$770.00} amount due just to get this off my credit report. I had been working with XXXX XXXX XXXX XXXX which is a national nonprofit agency providing credit counseling and was instructed by my debt management specialist to work out a settlement directly with Elan. Due to unexpected medical bills and a divorce, I am facing possible bankruptcy and am unable to pay this debt in full. I wrote them to request their consideration to accept a settlement offer of 30 % of the remaining balance, which would be {$230.00} and asked that my account be reported to the credit bureaus as satisfied in full when the settlement amount has been paid. Elan has NOT responded to any correspondance. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: It was difficult to select an option that fit my complaint. I received a call saying Fraud activity had been suspected on my credit card. When an called them back they asked way more questions than I have had happen in the past. Once I hung up with them I looked up US Banks Fraud Department and the number wasn't right. I call US Bank and couldn't get through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55082
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Unfortunately US bank states they are not opening accounts in my area. However they direct marketed me with a {$500.00} bonus. I provided a lot of personal information. My credit is very good. Incredulously they are still marketing in my area to this day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Was targeted for {$500.00} business checking offer. Fulfilled requirements. Have not received my payout.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My XXXX passed away in XX/XX/XXXX. My father had passed away previously in XXXX. Shortly prior to her death, she refinanced her home and and transferred her mortgage from US Bank to a reverse mortgage. I was appointed the Personal Representative ( XXXX XXXX ) for her estate. My XXXX XXXX estate did not go through probate, because he had a living spouse and they had signed a community property agreement. Under the terms of his will, she was his sole heir. When I went through her paperwork, I discovered an escrow refund check from US Bank. The check was made out to both my parents and dated XXXX days prior to my mother 's death. Because I have no authority over my father 's estate, I was not able to cash the check. I contacted the bank and asked them to reissue the check payable either to her alone, or to her estate. Since then, I have talked with the bank several times, and worked with XXXX XXXX in their Life Events department. The bank sent me a letter acknowledging me as the " XXXX in XXXX '' on the property, but I haven't had any further communication from them. When I have tried calling the contact in the Life Events department, I get voicemail. I have not received a call back. I have given them several weeks to respond to emails, but there has been no reply. I have also tried calling back to the mortgage department, but they are unable to help with closed mortgages. When I have called, I have been transferred to various departments, but it seems to be an unusual situation and no one is sure how to handle it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99507
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: My bank accounts were levied $ XXXX by XXXX XXXX XXXX XXXX. I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX XXXX woman in my XXXX. I am XXXX XXXX XXXX. I told them they served someone else and they didnt care. They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91755
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was involved in a XXXX accident on XX/XX/XXXX. This resulted in XXXX XXXX issuing a total loss payment in the amount of {$24000.00}. I have no complaint with XXXX XXXX. I received that payment and deposited it with US Bank on XX/XX/XXXX. On that date, I was provided a " Notice Of [ sic ] Hold '' document stating that {$24000.00} of that amount would be available on XX/XX/XXXX. I attempted to get a cashier 's check this morning ( XX/XX/XXXX ) and they declined, saying that the funds were on hold. They then provided me with another " Notice Of Hold '' document stating that the amount of deposit was {$24000.00} of which {$5300.00} would be available on XX/XX/XXXX, and the remaining balance of {$19000.00} would be available on XX/XX/XXXX. I did not make a deposit today ( XX/XX/XXXX ) for the amount of {$24000.00}. The new notice of hold is for 16 business days after the original deposit. Based on the original " Notice Of Hold '' I made financial plans to purchase a new vehicle today, XX/XX/XXXX. If I had written a personal check instead of seeking a cashier 's check, I would have bounced a {$24000.00} check which would have had severe consequences for me, especially considering it would have occurred on a down payment for a substantial loan. In addition, I had made vacation plans to visit people in other states that I will now need to cancel due to the fact that I am not able to purchase the vehicle today. This is all based on the XX/XX/XXXX original " Notice Of Hold ''. I attempted to speak with the branch twice and US Bank customer service on multiple occasions this morning and I was told that the teller was new and made a mistake. They apologized, but did nothing else after repeated attempts. They apology echoes hollow without any effort on the bank 's behalf to resolve the impact their errors have had on me and will have over the course of the next few weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A