Date Received: 2022-07-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello I opened a business checking account with US Bank on XX/XX/XXXX using online link on their site. Account opening bonus was {$500.00} on meeting eligibility criteria and using code " XXXX '' while opening account. I met the eligibility criteria well before the allowed time. They were supposed to deposit the bonus within 30 days but it's been 2 months and I haven't got any bonus yet I followed up with the US Bank and after a month delay they denied me the bonus saying I don't qualify which is completely false as per terms of the offer ( attached as part of my complaint ). This is very misleading and false behavior and feeling a victim of bad management at US Bank I would like to request you to help me in reaching out the bank and have the bonus credited. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: U.S. Bank illegally opened an extended line of credit without our permission, nor with written authorization from the Non-Profit Organization ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was opened at a branch ( which has not been divulged ) under an EIN number that had expired 10 years ago and tenure and authority changed on the account. US Bank is now trying to collect a debt under an account that has been closed, and no longer active, ( since XXXX ) and refuses to cooperate by providing copies of the alleged Agreement they allegedly had with a signature of the responsible party of the Organization. I am personally receiving debt collection calls at my home 2 x a day, XXXX XXXX and XXXX XXXX and I receive phone calls even on the week-ends. In the past I have written and tried to reach an understanding with many individuals even at the Headquarters in XXXX. I have been ignored, treated as if I did something terribly illegally wrong and US Bank is putting this burden from their inside mistakes on my shoulders. I am only a responsible Party of our Organization, not the owner. No written Debt Collection notification regarding our rights has been forthcoming. Therefore ; I ask, where is this paper work indicating who opened this line of credit and when? Here is the first contact made>>> Dispute regarding Extended Line of XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX This is just to confirm that a dispute was sent yesterday for the following Business Account in regards to alleged " Extended Line of Credit '' No. # XXXX. I am confirming that XXXX XXXX, XXXX in XXXX Ohio Branch initiated the complaint. Please respond in kind as to what else may be required at this time and/or if the dispute was received. Thank You XXXX XXXX XXXX XXXX XXXX NO RESPONSE Second Contact made>>>On Friday, XX/XX/2022 at XXXX XXXX EDT, XXXX XXXX XXXX wrote : In accordance to the Federal Investigators, your company US Bank has been ordered to refund all fees and monies owed to the abused account mentioned in this email for an extended line of credit that our organization nor myself as responsible party, agreed to in writing in accordance to Law. Unless authorized signatures are forthcoming we are allowed the refund of all fees and interest charged on the Line of Credit in the aforementioned account. Thank you. Responsible Party, XXXX XXXX XXXX' In conclusion, We need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: my XXXX credit card is only 6 weeks old and auto pay is set up. I have been put into collections because they company can not seem to get the payment correct. 1st they transposed numbers. 2nd they could not get auto pay to work for 1 to 2 months after the account was set up only with auto pay. then they reported me to the credit collections because they are not able to accept auto that they require to set up the credit card for 2 months. Do not use this company they are horrible for costumer service and will not help the customer fix they issues they created
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. US BANK XX/XX/2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Why the XXXX is the US bank branch in my town closed during the week? My husband went today on his way to work to get money out of the ATM and the ATM was not on. Went to go into the bank and sign said branch is temporarily closed. XXXX!! This is constantly the case at this branch. Called US bank customer service and they know nothing about it. Was surprised that the branch was closed. When we cant access our own money, this is a serious problem. I will not stand for it. I also called corporate ( US Bank ) and apparently no one is working there either because no one answered the phone. If US Bank doesnt give a XXXX about there customers, then we will go somewhere else. Not only that, the hours that they are open XXXX! They close at XXXX and they arent even open on XXXX anymore. XXXX XXXX XXXX has branches that are open till XXXX XXXX. US Bank, I suggest you start paying attention to what your branches are doing, or rather, not doing. And I dont want to hear the excuse that theyre closed because of Covid. Thats XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi, I was on a forbearance with US bank and have been trying to resolve or speak to someone with authority at US bank. Each time I call I speak to a different person and get different answers regarding my home and resuming a payment plan. I have been given a point of contact and have never been able to speak to that person and when leaving a message the calls have never been returned. US bank has appraised my house 4 times now. I have to keep reapplying and resubmitting paper work. I have been trying to get back on a regular payment plan since XXXX of XXXX.They have sent an appraiser into my home 4 times. Each time they become more stringent or give me different answers and are apparently making me fully requalify for a loan. I have been told numerous times they will give me a modified loan. I am currently XXXX behind which keeps growing with their lack of offering a resolution. They tell me I have to pay that amount now and resume payments or face foreclosure or they tell me just reapply again. I cant even send in a partial monthly payment. I was told they wont accept it. I have never been late in 12 years before the pandemic but now they have told me that I do not qualify. On my forth attempt and run around they are asking me for a mountain of documents. I will be denied again as I cant prove my income. I am self employed. I can resume some sort of payments but I need to have the lump sum pushed to the back of the loan. They have made themselves unavailable or I can never speak to a person who has knowledge or authority to even answer questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: US Bank is holding my funds from my unemployment insurance for Texas in my account. This is not the first time US Bank has done this either. First of all two weeks ago, US Bank Locked my card right after I activated it. The very next day the card was locked. I did not even get a chance to use the card, because as soon as I received it US Bank LOCKED the card and put a fraud block. US Bank then left a voicemail telling me to verify my identity. So I went to the site US Bank instructed me to go to verify.usbank.com/identity and uploaded my documents 3 DIFFERENT TIMES. US Bank told me it takes them a week to verify it. So on Friday, I called to make sure they got the documents. After speaking with a supervisor and waiting on hold for 2 hours. US Bank supervisor confirmed that they received the documents and processed my submission and unblocked the card. Without apologizing. Then this week, I got another deposit and attempted to use the card to make 1 purchase and 1 transfer. The purchase was for apple itunes store, and the transfer was to my own checking account. on XX/XX/22 US BANK Cancelled my transfers 3 Days LATER. It says ACH Cancelled by Fraud Ops. So once again I had to wait on a 2 hour hold, and after speaking with both customer service and a manager I was told they need to verify my identity again. This is absolutely rediculas, Last week US Bank Confirmed they verified my identity and then when you use the card once every transaction they want you to reverify your identity? I told the supervisor I already did this last week and they confirmed it, and she told me she doesn't care I need to resubmit it and that they fraud monitor 24/7. As I instructed my identity documents have not changed in 1 week. She didn't care her name was XXXX. She told me that they can do this as many times as they want and it takes a week each time, She told me until I resubmit again, and again, and again they will freeze my account, and I am not allowed access to my OWN FUNDS. I believe this is definitely a case of consumer abuse. Especially when I am using my own money that I earned from direct deposit and they freeze my account every transaction. I do not believe I should have to continue to upload my documents every single day. That seems absurd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for a forbearance through my mortgage company and come the end I said my hardship was resolved. They sent me an application to figure out my options. I was told my app was complete and I could start making payments after signing a packet of papers. Packet never arrived. Got a letter in the mail stating my app was then incomplete. Talked to mortgage and they said it was because I had already done a modification that I couldnt do another one within 2 years. I did a deferment 3 years agoso whats the problem? They have me in never ending circle where Ive filled out the same application XXXX to no avail. The only option is I can {$5000.00} to make myself current and then the rest thats owed in a payment plan. I wouldnt need to be 8 months behind and have to pay 5 months worth if they didnt have me in a never ending circle. Ive been wanting to make my payments since XXXX and they are not allowing me to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was informed by US Bank that all of the late payments on my loan with US Bank would be removed from all XXXX major Credit bureaus, XXXX, XXXX, XXXX. I have yet to see the Credit information be updated on all XXXX reports. I was told this information would be updated within 60 days of the information being reported to each major credit bureau. I am requesting that US Bank honor what the company Customer care team informed me of so that this negative information can be removed off my credit report. Thank yoiu, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was on a payment plan due to me missing a payment because I was out of work for XXXX. I called U.S. Bank and asked to get this late charge removed from my account. Representative refused to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A