Date Received: 2022-08-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The problem is that I was on unemployment due to the pandemic and the Colorado unemployment had deposited {$13000.00} and on XX/XX/XXXX a debit card was ordered and was shipped to an address that did not belong to me as someone had stolen my information as well as my phone I was not even in the united states at the time plus unemployment had found that my accounts had been compromised then on XX/XX/XXXX I had spoken to someone who had given me information pertaining to my card and I had asked them to due a online bill pay for {$1600.00} to XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pay the deposit on a steel building i had ordered which was supposed to be delivered XX/XX/XXXX which the building did not show up and I had contacted the company who no longer is in business and told me I will have to dispute the charges which I did and us bank rejected my dispute which I have documentation to back up my claims within this complaint them on the following days both the purchases and ATM with drawls were unauthorized transaction and were not done by me or anyone authorized to use my card reminding you i have never received my ATM debit card where there charges have been charged upon so the following ATM withdrawals on XX/XX/XXXX for {$500.00} another one on XX/XX/XXXX for another {$500.00} on XX/XX/XXXX in the amount of {$500.00} on XX/XX/XXXX for {$1000.00} on XX/XX/XXXX an unauthorized purchase for {$26.00}, {$47.00}, {$12.00}, and $ XXXX XX/XX/XXXX ATM withdrawal for {$1500.00} on. XX/XX/XXXX ATM withdrawal for another {$1500.00} on XXXX unauthorized purchase for {$80.00} and {$72.00} then on XX/XX/XXXX ATM withdrawal for {$1500.00} then again on. XXXX XXXX ATM withdrawals for {$23.00}, {$100.00} and $ XXXXand an unauthorized purchase for the amount {$150.00} on XX/XX/XXXX unauthorized purchase for {$77.00} then another unauthorized ATM withdrawal for {$600.00} with another unauthorized purchase for {$220.00}, {$170.00} then on XX/XX/XXXX unauthorized purchase in the amount of {$150.00} on XX/XX/XXXX for {$12.00} & on XX/XX/XXXX for {$14.00} once I realized my account was compermised I called the bank and explained to them that someone had stolen my information and had used my stolen phone to access all of my accounts and had changed my address in both the bank account and my unemployment account and that Colorado unemployment had found that to be true as I was and have been stuck in XXXX and none of the transactions had been made by me nor were they authorized by me and I had sent them proof that I was in XXXX and California and not in Colorado. Plus the surveillance footage should also prove that that none of the transactions were made by me. Further i was contacted by a creditor stating that us bank had gotten there money back on the disputed transaction but did not reimburse me at all for any of my disputed transactions. Which I don't understand how the banks can get away with this and how they can denied me and keep my money. I had sent them proof on numerous occasions that I have been in XXXX XXXX just to be denied further I had asked the bank to send me the documentation they used to denied my claim. And on both occasions they had told .me they would send me that information and still to this date I have not yet received anything in the mail nor by email. I have gone above and beyond to comply with the bank and have proved my claim. But still i have nothing. and still as of this date I am still residing in XXXX due to not being able to cross back over to the USA because I. Dont have my pass port. Please help me resolve this issue thank you for your time and consideration in this matter. Respectfully submitted, XXXX XXXX I will send. The documentation upon request as I have tried to up load it numerous times just to be logged out XXXX having to re due this complain tome after time .so I am submitting this now and will try and up load the documentation at a later date.thank you for understanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Credit card applied for through my bank, application was denied. I did not apply for a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Hello, I just received a notice in the mail from US Bank that someone or entity tried to applied for a credit line under my private information. I'm really upset about this and this is not the first attempt. Lucky for me the thief was not able to get the credit line because it was not approved accordingly. I would like this to also be removed from my credit cord, being that I am doing my best to fix it. US Bank XXXX needs to do better by protecting people information to prevent these theft from happening. Please le t me know if there is any additional information needed to address this issue head on. Thank you for your time and assistance with this very delicate matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Money was not available when promised
Subissue:
Consumer Complaint: For four months I have been trying to transfer an IRA from US Bank to XXXX XXXX. For four months I have been unsuccessful. I have filled out multiple transfer forms, been to the local branch in XXXX many times, spoken with the corporate office multiple times, talked with XXXX XXXX at XXXX XXXX multiple times and I have gotten nowhere. The balance is around XXXX. I have filled out the transfer forms at least three times and XXXX XXXX has overnighted them each time and when I call US Bank a few weeks later they said they have not received anything. Is it possible they are that incompetent or that uncaring. I am not sure but all it would take is a simple phone call to XXXX XXXX to clear this up and they won't do it. I am sure they pick up their phone ten times a day and call their girlfriend but to do this for a customer is a no go. I was in the medical profession for forty years and we made calls all day long to solve problems. This is the worst experience I think I have ever had with any corporate institution. These people at the US Corporate office will not even call their branch offices to help a customer. Simply put they have been total XXXX to me and after four months I have gotten nowhere. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37388
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX I deposited a small XXXX XXXX check for missing items from my deceased father 's apartment which was sent to me after his death on XX/XX/XXXX. He died of XXXX and due to grieving and other family complications ( husband diagnosed with XXXX XXXX XXXX XXXX XXXX following his XXXX XXXX ), I did not deposit this check for quite some time. My husband 's father passed in the interim and we were told by his father 's executor that we could deposit an older check written to him in the automatic teller and it would be fine. I did that and it turned into a nasty fiasco with US Bank in which they REFUSED TO COMMUNICATE WITH ME, REFUSED TO ACCEPT MONEY TO BRING THE ACCOUNT TO XXXX BEFORE CLOSURE, REFUSED TO INFORM ME FOR MONTHS. This is the work of the so-called " back office '' which strikes fear into the hearts of tellers, bankers and managers. As a result, I was treated like a criminal when I first went to a US Bank branch in XXXX XXXX, XXXX on a Saturday ( XX/XX/XXXX ) after learning that my account was frozen and we could therefore not get back to our hotel in XXXX XXXX, XXXX Not only was I refused to deposit cash in the amount of roughly {$190.00} but I was treated roughly. My XXXX XXXX XXXX, terminally XXXX XXXX and I and XXXX XXXX XXXX were left without transportation. I finally found old-fashioned cabs to take cash payments and, hours later, found our way back. The following Monday, I called for the Manager of my branch who was " in meetings ', next day " out '', then " out of vacation '', same for Assistant Manager and both at the same time. I was also very rudely treated when I called the branch on XX/XX/XXXX as XXXX employee was yelling on the phone and told me there was nothing she could do or she'd lose her job. I was seeking information at that time about what happened. I had no knowledge of what the problem was, etc. I asked for the check or a copy returned to me multiple times and a letter or call. Nothing was received. I called the number on the back of our cards. I was told yesterday XX/XX/XXXX that our account was " charged off '' for {$180.00} without so much as even allowing us to pay cash to clear it though I tried XXXX different times at my branch and another branch. THIS BANK IS CREATING WRITE OFFS FOR ITSELF AT THE EXPENSE OF ACCOUNT HOLDERS AND THE PUBLIC AND FOR NO GOOD REASON. This check has since been reissued and could have been reissued much earlier by XXXX with a little old fashioned communication and customer service on the part of " US BANK ''. I have obtained the necessary paperwork from my new bank ( XXXX ) to have notarized for small estate status, which applies here, in order to appropriately cash this check. WHAT A SHAME THAT PEOPLE SITTING AT HOME IN PAJAMAS BACK OFFICE ARE ALLOWED TO MISTREAT GRIEVING FAMILY MEMBERS FOLLOWING COVID LOSES TO CLAIM WRITE OFFS FOR A CROOKED BANK. My husband was also lied to about having qualified for a credit card so he would give our account opening agent at our home branch permission to " send him a credit card ''. He was denied and did not receive a card but did receive a hit on his report. I questioned it at the time. If he is qualified, then why does he need to wait to qualify? THIS BANK IS SUPER XXXX!!!! AND EMPLOYEES SUPER NASTY!!! THE XXXX OF OUR HOME BRANCH WAS EACH TIME I EVER APPROACHED HER FOR ASSISTANCE ON ANYTHING JUST AS SNYDE AND RUDE AS SHE COULD BE. Be done with this bank. We want to pay off this charged off amount and have the charge off reversed. WHAT A NASTY MEMORY OF LOSING MY FATHER TO XXXX. AND TERRIBLE TREATMENT FOR SUCH A SMALL AMOUNT OF MONEY WIHTOUT ANY COMMUNICATION. Other banks also have these similar practices. Get rid of " back offices '' or heavily regulate them now. THEY ARE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applicated for a Home Equity Line of Credit. I provided all documents and met the Credit score needed to be accepted. I was done provided a deny letter because unable to verify identity. Which is completely absorbed. I feel this is a discrimination because I am a XXXX male to be denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I received a XXXX GIFT CARD from my work for XXXX dollars. I tried to go online and register it using the provided website ( XXXX ) and was given an error message. I found this website to be and act suspiciously as it wouldn't let me login into my account from any different computer I used. After a while, I gave up and called the Customer service number provided on both the website and gift card. I gave my card number to a person who could hardly speak XXXX only for him to mumble that my never-before-used gift card was flagged for misuse and I would need to be issued a new one for no given reason and it would take 7 to 14 days. I was very upset because this seems to be the case for this website/gift card company if you check any review site ie. XXXX. XXXX is a website that never works and it seems like the people running the site keep changing it so that it can not be accessed unless you use an obscure web browser, not like chrome. It is obvious that there is foul play abroad for a gift card company that is available in all major retails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: When I opened the small business credit card account reacting to {$750.00} marketing cash back offer at {$7500.00} spent within 120 days, I was told that the company will honor the offer. Since the credit limit was sent at {$1000.00} per statement ( despite having a XXXX credit rating and no debt ) I was told by the US Bank Executive team member that in order to overcome the {$1000.00} limit and still meet the required spend I have to keep making payments at {$1000.00} intervals to free up credit for the transaction. This worked until XXXX when all of the sudden and without warning the US Bank decided to transfer the payment to a central payment escrow account thus freezing the available credit at {$1000.00} regardless of positive balance exceeding it. I attempted to work with the bank using following : 1 ) close the other US bank credit card account to increase the available credit : denied 2 ) increase the credit limit available : denied but available after 180 days review period which will put it behind the XX/XX/2022 {$750.00} marketing offer expiry 3 ) requested to have the offer to be extended to XX/XX/2022 ( an additional billing period so the billing spent can be met ) ; denied. 4 ) requested the payments to be made to the card directly instead of the central payment escrow account : denied. I was told that the transfer of the central credit payment to direct credit card payment will take 1-2 billing cycles thus it will take place after the expiry of the XX/XX/2022 deadline making it useless. I was also not informed why the central bill pay is mandatory at the US Bank as the company is actually holding the money in escrow instead of applying it the very day it received it but I was informed that it is done " automatically. '' This is despite the fact that I didn't ask for the billing to be done this way and contrary to my wishes. Subsequently the bank also denied a confirmation that the transfer of the central pay escrow to direct card pay will not affect the points already accrued on the account as result of the transactional activities. So in the last pay period I have had the following totals ( since XX/XX/2022 ) : {$300.00} positive balance {$1000.00} payment {$630.00} payment {$1000.00} credit limit {$2900.00} ( that if direct pay should be more than enough to meet the {$7500.00} spend ( as of XX/XX/2022 : $ XXXX XXXX {$7600.00} ). However as of today the card despite reaching an overall limit of spend at {$7000.00} ( {$480.00} more to go as of XX/XX/2022 ) the transactions going forward are being rejected : XX/XX/2022 {$90.00} XXXX XX/XX/2022 {$14.00} XXXXXXXX XXXX XXXXXX/XX/2022 {$54.00} XXXX It is obvious that the US Bank is blocking these transaction on purpose and keeping the payments already made in account pay escrow so the {$7500.00} is not met thus the offer 's terms will not be met by XX/XX/2022. After the offer deadline passes the US Bank will apply the credit to the account however it will be too late to collect what is owed. It is very disappointing that the US Bank will be playing games such as these and structuring its credit products in bad faith so the customers are not made whole. I attempted to be flexible and offer the bank several ways to address this issue but not to avail. It also appears that the advice given to me in XX/XX/2022 to address this problem by the US bank executive office was given in bad faith as shortly after my payments were stopped being credited to the account and sent instead to the central pay escrow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: For some reason I have been scammed on XXXX from my account with US bank. I have 5 fraud charges two XXXX, one XXXX dollars, one XXXX, one XXXX, one XXXX I have no idea of those charges I called and dispute them with my bank they keep playing it doesn't matter what I tell them still not getting my money back. My account been compromise I need help getting those charges back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: We received XXXX XXXX XXXX debit cards for XXXX XXXX and both of them have no money on them. These XXXX XXXX debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX Oregon at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} XXXX XXXX debit card. I have tried the card several times and tried to see the card balance on prepaidgiftbalance.com as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A