Date Received: 2022-08-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have US Bank checking account ending in XXXX. I tried closing it and called XXXX. 3 transfers and after that i spoke to XXXX at XXXX pm to XXXXpm. Already I was on the phone for 35 minutes and my time is valuable. This guy XXXX was asking way too many questions that one should be asking for closing the account. He didn't close the account and I told him that i will file CFPB complaint for this. US Bank is recently fined for opening sham bank accounts so I understand that US Bank will create obstacles not to close the account. Moreover US Bank hire very cheap XXXX workers rather than talented and hard working XXXX workers for their IT/operations work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I did a voluntary surrender to US Bank with my RV. The RV was in A+ condition I tried to sell it and they would not lower the payoff. When I surrendered it to US Bank they rented it out for California fires for people to live in. When they got the RV back maybe one year later they auctioned It Off for half of what it was worth. They also wrote off the debt as a bad debt. Now it is showing up on my credit statement as collecting interest monthly and that amount I still owe. It was showing as a bad debt that was written off for one year and then they put it back on as collecting interest still in collections .They are showing it as a personal loan not an RV loan that was written off after it was leased out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Hi my name is XXXX XXXX. I am a refugee from XXXX. I have lived here in XXXX Washington for 7 years and I speak little English. I have not received my tax refund, stimulant checks and child tax credits for 2020. US back was my former bank, then I closed my account because USBank kept charging me fees that I didn't know of. One month before I closed my account with US bank. I went to US bank branch to get a direct deposit form for my refund and the receptionist gave me some else 's check that I could use but at the time I though it was my check and due too my small English I didn't read to check if it was really my check but I took a picture of it. I gave the account number and routing number to the tax agent to file my 2020 tax refund. It has been two years and I still haven't got my money. I have reached out to the bank many times but they alway come up with excuses. I have filled claims with the IRS but they keep telling me that bank has to respond to them. One day I asked the bank to tack where the money went, and they actually confirmed that it went to some else. This issue has been driving me crazy because I am XXXX XXXX who doesn't know English US bank expects me to just give up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive never ever heard of elan financial or the bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: Unauthorized transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I utilize XXXX via my U.S. Bank checking account to transfer money from time to time. On Sunday XX/XX/XXXX at XXXXXXXX XXXX, I received the following text message, from what I though was U.S. Bank as it stated : " U.S. BANK ALERT : Did you use your debit card at : XXXX XXXX XXXX {$19.00} DECLINE XX/XX/XXXX? XXXX XXXX, {$3500.00} DECLINED XX/XX/XXXX. If you recognize this activity, reply YES If not, reply NO. STOP to end alerts. '' I replied " NO. '' Then received the following text, " Your debit card will be locked due to suspicious activity. A fraud specialist will contact you shortly. '' Minutes later my XXXX rang, showing the real US Bank phone number of XXXX. I didn't answer the first call, as I was in a loud area but they called right back with the same number, showing as US Bank. I answered the phone and the man identified himself as being with the US Bank Fraud department and asked me about the charges, I told him that both were invalid and shouldn't be put through. He told me they would need to cancel my debit card and would issue a new one via XXXX that I could receive regular or expediated delivery free of charge. I asked for expediated delivery, he asked me if I wanted to require a signature at time of delivery, I stated no. He then said that because the XXXX charge was via an independent app ( XXXX ) not US Bank, that he could not reverse the charge but would walk me through how to do it. He instructed me to go into XXXX and reverse the charge by creating a new XXXX recipient called " Reversal System '' and gave me the number to type below to reverse the funds, I had to type in the {$3500.00} amount. I followed his instructions which ultimately send the funds to the scammer. I kept checking my US bank checking accounts for the funds to come back and as they hadn't by the next day, XX/XX/XXXX, I started calling US Bank. They told me I'd have to talk to their fraud department and transferred me, but there was no answer from the fraud department ( I assume because of the bank holiday. ) I called again and told the representative I needed to talk to someone and no one was answering that line but the transferred me back to the same number and again no answer. The following morning, Tuesday XX/XX/XXXX, I called US Bank fraud around XXXX XXXX. I spoke to someone and explained the situation and she informed me that I was scammed, that it was not US Bank calling me and that I actually sent the money to the scammer versus reversing the fraudulent charge and said they would open an investigation and that I needed to go to the US Bank branch in XXXX, KY to close my checking accounts and open a new one. I went to the bank in tears as {$3500.00} was basically all of my money. The associates at the bank asked me to come back later in the afternoon and then they could help me close the account and open a new one. When I came back I worked with XXXX and XXXX XXXX the branch manager ) who both informed me, US Bank would issue me a provisional credit of {$3500.00} within 10 business days while they completed the investigation. I never received the credit so I began calling and emailing the branch after the 10 business days. They told me they would check into and let me know. On XX/XX/XXXX, XXXX responded to my email saying the credit was denied and she would try to find out more. I have not heard back from her since. I also received a letter in the mail from US Bank dated XX/XX/XXXX, stating, " On, XX/XX/XXXX US Bank Digital Claims Services received a claim for a funds transfer that posted to your account ending in XXXX. The information of this transaction is listed below : Claim Number : XXXX Payee : XXXX XXXX Date of Transaction : XX/XX/XXXX Amount : {$3500.00} During our investigation, we determined the transaction posted as requested ; therefore your claim has been denied. '' Although, I realize the scammer tricked me into actually sending the money, I thought I was speaking to US Bank who was instructing me how to reverse the charge. I know that they know this is a scam because less than a week later when I went into XXXX via my US Bank app, the following alert showed up in XXXX " Be on alert for scammers. US Bank will never ask you to send money to anyone, including yourself. '' US Bank also sent out mass emails stating " As more and more people use mobile payment apps, the number of scams is growing. Heres what you can do to keep your personal information safe. Look out for this. Fraudster sends you an email or text asking for confirmation of a payment. You reply, I didn't make the payment. Fraudster may then call you pretending to be the bank or business, maybe even using a fake phone number. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41051
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to US Bank for {$520.00} on XX/XX/XXXX towards my credit card. And it has not applied yet. This is the second time happening my money keeps disappearing. I call them they first kept telling me that they dont see the payment I think that was about 6 different people. Then I mentioned to the supervisor that I was going to file a lawsuit immediately she found it and found out that there system messed up! and that shes glad she found it and that this is simple she will refund my money back to my card I paid it with and plus the XXXX {$41.00} return fees that was changed for nothing and it will be back on my card 3 to 5 business days which was XX/XX/XXXX still nothing. I called back Friday XX/XX/XXXX a different supervisor said I h shes sorry that she put another rush in that will take 2 business days still I havent seen my money. It was debited from my account on XX/XX/XXXX 3 days after I made the ach payment :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called US Bank about their platinum credit card. At the end of our conversation I told the agent that I was not interested and that I needed to shop around more And that I might give them a call later on that week if I dont found a better offer. Today I am receiving an email saying that I have an account with them and that my card is on the way. I called them to cancel the account but a customer service told me that they were going to transfer me to the right person and then I was hang up on. I am worried that they will send a report to the credit bureau and therefore impact my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I tried paying a bill for XXXX with available funds and they did not let it go through this was my first purchase within 24 hours of last use I have the card holder agreement form with withdrawal and fees/ deposits information on here it says withdrawal daily limits for ATM are 10 transactions up to XXXX I was only able to take XXXX out of ATM and it was stopped. It also says maximum daily debits limits are20 transactions up to XXXX I have only made to transactions of XXXX via debit on XX/XX/2022. I went to a bank teller to try and withdraw cash and the card would not read all my transactions are block or declining and I contacted the company and they told me they don't know why I can't use my funds available I had XXXX when attempting these transactions can you all help me get access to my funds when needed the company is U.S Bank Reliacard thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Card showed a balance of {$280.00} when the balance was supposed to come out automatically as told to me by the tellers at the bank. It didnt and dropped my credit score XXXX points. Balance is now paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A