Date Received: 2022-08-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received an offer in the mail from US Bank regarding a sign up bonus for a business checking account in connection with a credit card that I already had with them. I signed up for the business checking account for my sole proprietorship on XX/XX/22. The bonus terms stated that {$500.00} of rewards points would be deposited into my credit card account after completing a few requirements for the checking account, including depositing {$5000.00} in new money into the account within 30 days of opening the account. I deposited {$5000.00} into the account from XXXX and completed all requirements for the bonus that month as well. US Bank is refusing to pay out the bonus even though I satisfied all of the requirements as they are claiming that I did not deposit {$5000.00} into the account. I have attached screenshots of the offer terms along with my account activity documenting the $ XXXX in new funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78747
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: In XX/XX/XXXX, we booked a XXXX hotel through XXXX for a stay in XX/XX/XXXX. We paid in full at this time. We stayed at the hotel and after our trip we were charged {$1700.00}. We should not have been charged anything at this point as we had already paid in full. I called XXXX and had them investigate and they found no record of this transaction anywhere in their system. I have spent the last 12 months trying to work with US Bank to resolve this charge and they have been entirely unhelpful. Numerous times they told us they have sent out paperwork for us to fill out and return. We never received anything in the mail from them. Finally in XX/XX/XXXX, I found out what paperwork they needed and immediately sent it in. I called a week later to check that they got it, and it was confirmed that they had received the paperwork. Then next thing I hear back is in XX/XX/XXXX claiming that too much time has passed to resolve this charge. Meaning that they sat on this case, while possessing everything they needed to resolve it, for three months and did nothing with it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. USBANK XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request. Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) XXXX Requests for information. The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIA CERTIFIED MAIL US Bank National Association XXXX Department XXXX XXXX XXXX XXXX, KY XXXX cc : XXXX Department of Justice XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by US Bank XXXX on US Bank correspondence sent to XXXX XXXX, is an account number that is unknown to XXXX XXXX ( see attached US Bank Correspondence ) pages 3 & 6. The account number referenced above by US Bank correspondence sent to XXXX XXXX was also presented to XXXX XXXX and another third party on XX/XX/XXXX and XX/XX/XXXX ( see attached US Bank Correspondence pages 3 & 6 ). The account number referenced above by US Bank correspondence, was presented to XXXX XXXX, another third party, and was recorded in a public record system on XX/XX/XXXX, specifically referencing a second mortgage that is also unknown to XXXX XXXX ( see attached US Bank document provided to both parties and date stamped as being recorded into a public record recording system on XX/XX/XXXX at XXXX ) pages 3,4 & 5. XXXX XXXX has no knowledge of this account number : no original mortgage documents in her possession ( as US Bank stated in their XX/XX/XXXX that they have in their possession page 6 ) that were authenticated by XXXX XXXX. no knowledge of any legal association to, responsibility or accountability for this account number and any mortgage debt or second mortgage debt as specifically referenced on the XX/XX/XXXX US Bank Correspondence page 3 ). XXXX XXXX and other third parties have continuously received conflicting material information from US Bank and its agents, associating her to this account number, a mortgage, and a ( second ) mortgage in some type of way/shape/form creating a dispute requiring legal intervention. This material correspondence has brought about confusion that requires clarification. Therefore, XXXX XXXX is sending you this qualified written request pursuant to 12 U.S.C. 2605 ( e ). She requests ALL original material documentation with her signature purporting to be an execution or attestation of this account number, with a mortgage ( and/or second mortgage ) with US Bank National Association ( see TILA Sample Forms pages 10, 11, 12 ). XXXX XXXX looks forward to your response within 20 days from the date of this letter. Unless the specific documentation requested is provided to XXXX XXXX, any and all further written, USPS sent, and/or verbal communication to Ms XXXX or any other party/entity regarding Ms.Jackson AND this account number/ mortgage ( and/or second mortgage ) with US Bank National Association MUST CEASE IMMEDIATELY XXXX Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Very truly yours, 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: 323XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I tried to deposit {$840.00} into my account with a us bank atm, it seized up at {$500.00} and printed out an error receipt for {$450.00}, I took the remaining {$340.00} into the branch and deposited it to a teller, I called the us bank number on the receipt and made a claim for {$500.00}, I received a credit for {$160.00} and they sent a letter saying this was the amount of the claim, I called them and told them Im owed {$340.00} but just got the run around on the phone for hours and was eventually hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report does not relate to any transactions that I have made and are not related with my current accounts. It is FRAUD XXXX Report XX/XX/202XXXX US Bank {$480.00}, XX/XX/2022 US Bank XXXX Same bank reporting different amount XXXX XX/XX/2022 US Bank {$620.00} XX/XX/2022 US Bank {$480.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I activated the credit card cash back offer on the early of XX/XX/2022 which shows the offer expiration date as XX/XX/2022. After that, I finished two transactions as required under the terms on XX/XX/XXXX and XX/XX/XXXX with my credit card. I'm qualified for this offer but the {$75.00} cash back never gets to my account. I started to inquire it around XXXX XXXXXXXX XXXX. During their long process time, they agreed I'm qualified for the offer and should get the {$75.00} back to my account soon. But for now they still keep telling me that they are researching the issue and have no estimated date of resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: US Bank charged {$280.00} in fees in interest past the {$500.00} of credit card debt. That is over XXXX XXXX of what is actually owed on the card. This should be illegal. It is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 998XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX claiming to be a representative for US banks fraud department called and actually called from US Bank frauds number and asked if I had a charge out of state I said no they proceeded to take me through XXXX supposedly to give me back my money but instead they took it out of my account. XXXX and then XXXX and then XXXX. XXXX was taken out of my savings account when what I thought they were doing was getting my money back as they stated. They did this using XXXX which I had never used before.I sent in the proper requirements so they can investigate and refund my money. They sent a letter stating that they were not going to refund my money. My local bank manager again sent them a letter stating this is fraudulent and please investigate again they again sent me a letter saying they will not be refunding my money back. My problem is someone called representing US Bank and the number they are calling from is US banks fraud dept phone number. XXXX is part of us banks company. I have looked into this and I am not the only one this is happened to .There are four different banks using XXXX and this has happened to customers using these banks by going through XXXX XXXX I hope this can be resolved thank you for the time it takes to read this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I opened an account with US Bank on XX/XX/XXXX. I received a separate series of emails today with a different application number and account. We received your application on XX/XX/2022. Your application ID is XXXX. Email received Tue, XX/XX/XXXX, XXXX PM ( 7 days ago ) Your U.S. Bank Easy Checking application was approved. Email received XXXX PM ( XXXX hours ago ) Thank you for applying for a U.S. Bank Easy Checking Account. We received your application on XX/XX/2022. Your application ID is. Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away Seperate email XXXX PM ( XXXX hours ago ) Application ID : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42066
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A