Date Received: 2022-07-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2022 XXXXXXXX XXXX I went to my local branch to find out why my bank accounts were being held illegally by the institution. When I had finally seen the paperwork on the order to freeze my accounts, the bank violated their duty to me by locking up my bank accounts with the incorrect information on the paperwork from the XXXX. They had US bank XXXX as the account number to reference my accounts. This completely violates all my rights as a client of the bank that they were given a hold on my bank accounts without even serving the bank with the correct or accurate paperwork. This order prevented me from being able to attain counsel and be represented by an XXXX. The damage to my rights, my ability to defend myself against this illegal order was astronomical. This account held my employees payroll as well and because my financial institution locked down my account with such a broad order that had absolutely no accurate information that would apply to me I am in a serious situation caused directly by US BANK violating their fiduciary duty to me as their client. My employees were XXXX XXXX by not being able to cash their paychecks - amount in the bank was XXXX weeks of their payroll. The inability for me to attain counsel and representation by an XXXX and my employees inability to cash their payroll checks was illegal and a breach of US Banks relationship with me especially on an overly broad and inaccurate document. XXXX in XXXX refused to talk to me originally and said she would not speak to anyone that was a client, she would only speak to an XXXX. At the time she was telling the bankers that to tell me, I was representing myself due to US bank breaching their relationship with me and keeping me from mounting my own defense. XXXX told my banker to tell me to contact XXXX XXXX XXXX as the main point of contact for my accounts. That person is opposing counsel that is suing me. When I asked for documentation on why the main point of counsel on my bank accounts is an XXXX that is suing me I was told they had no information. Today, XX/XX/2022 when I went in to follow up and get some documentation regarding the illegal order that US Bank followed that did not have my actual bank account number and asking for documentation about why the main point of contact on my bank account was XXXX XXXX, they still could not provide me with any documentation. ****side note. When XXXX was served with the order she immediately locked down my bank account without any due diligence on her part and on the part of her having a fiduciary duty to me as the customer as well as breaching that relationship by locking down accounts based on a broad and over reaching incorrect document- but it took her over 3 days to release the order ***** When I left my local branch I called the business center number and got XXXX. He listened to my information and clarified what I was asking him for, I told him that I wanted to see the documentation that allowed my bank to put XXXX XXXX XXXX as the main point of contact for my bank account. He reached out to XXXX and again she refused to talk to me or provide me with the documentation that she is using to put someone else on my bank account. After he put me on hold a couple of times, he finally said, ( and he was reading something ) oh this must be it, XXXX XXXX, and he said, Hold on. THEN HE PROCEEDED TO TRANSFER OR CONNECT ME SOMEHOW TO THE OPPOSING COUNSEL 'S OFFICE!!!!!! XXXX XXXX XXXX XXXX XXXX ANSWERED AND I SAID WRONG NUMBER AND HUNG UP! I NEED AN IMMEDIATE RESPONSE- I AM SO VIOLATED AND XXXX BEYOND REPAIR. Now they will have a record of me phoning into their office. I am so absolutely astounded as to the massive violations and breach of my rights by US bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: ReliaCard XXXX XXXX XXXX ( for Child Support ) Spring of XXXX I was asked to confirm my identity with the new app ReliaCard was requiring. For XXXX months I was unable to use my account because the photos of myself weren't clear enough or light enough etc. I ended up attempting to validate my acct. XXXX XXXX with waiting time in between to see if it qualified. This accrued XXXX of child support that I was unable to use. When I finally got my ID confirmed with their app, I used it a couple of times to see it worked at a grocery store. Ironically, my account gets frozen again within that week of using it. XX/XX/XXXX Card to Bank XXXX to XXXXXXXX XXXX Personal Checking- ACH Withdrawal {$1900.00} XX/XX/XXXX Card to Bank XXXX XXXX XXXX same for {$1000.00}. XX/XX/XXXX Card to Bank XXXX to XXXXsame for {$800.00}. My online account was hacked, the hackers changed my email address and alerts to my phone. Reliacard said " no error occurred '' and will not refund my money. I have spoken with them on the phone XXXX times, various managers, fraud dept. with one finally realizing my email and phone were changed on my account and still no change in their findings. Police Report was filed the day after I realized fraud happened. Case XXXX XXXXXXXX XXXX XXXX XXXX Police Dept . ReliaCard Case number is # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never transferred money in my XXXX years of having this card for child support. See attached timeline and supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In reference to my account with ELAN FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows on time payments every other month. As you can see nothing is the same, there misinformation is hampering my ability to obtain a mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I'm really very upset at U.S. Bank. On or around Monday XX/XX/XXXX I was trying to login to my online banking, using the same username / password I always use and is saved in my password manager. After experiencing problems, I called the number on the screen with the error message that my 'Username had been disabled '. I have no idea why. The First agent was unwilling or unable to validate me b/c I didn't have my full account number available, and didn't know the date I 'opened the account '. My wallet and card were in my car, and I don't receive or keep paper statements. No other bank asks for this. They were rude, and unhelpful. So I called back, and got the same runaround. Was willing to answer ANY other security question, or provide personal information. Didn't help at all. The next day, I went to get my wallet and US Bank Visa to provide the information. Today ( Wednesday XX/XX/XXXX around XXXX PM ) I called a different number on the back of my card, and explained this. She had me try to login again from a new browser, which initially worked just fine, and asked me to change my password which I did and as part of this had to enter a code sent to my mobile phone, which worked initially. However, when trying to login again it gave me the same error. That my user ID had been disabled. She then transferred me to 'Web Support ' who proceeded to explain my User ID had been disabled *today* ( even though I've been getting the error for 3 days ) and that I would have to call back Friday to try and resolve this... What???? I asked *why* my UserID had been disabled in the first place, when all I want to do is make a payment on my account and my car payment... She could not give me an answer, other than call back Friday. I asked to speak with a supervisor, but she told me even a supervisor could not do anything. So now I've wasted at least an hour of my time ( *Worth $ XXXX {$1000.00} ) and have gotten nowhere ... To make matters worse, I have to call back on Friday and attempt to resolve this again, when I've done nothing wrong to cause any of this. It's incredibly frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a U.S. Bank National Association XXXX XXXX XXXX for {$100.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ. When my niece went to use her graduation gift card a few weeks after I purchased it, she kept getting an " invalid card number '' from the site she was attempting to purchase from. She tried calling the XXXX service number on the back of the card for help. The recording stated they were having a large call volume and to call back another time. The call was then disconnected. She mailed it back to me and I tried calling the number as well. I got the same recording and disconnect. I tried calling several days in a row and continued to get the same recording no matter which option I tried. I was unable to get in touch with anyone at the number listed on the card. However, I found an article online that discusses this same scenario happening in 2015 with compromised U.S. Bank National Association XXXX XXXX sold at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in AZ, is a sister company of XXXX. I attempted to speak with the XXXX at the location on XXXX XXXX where I purchased the gift card. She said she didn't know anything about it and there was nothing they can do as gift cards are non-refundable. I get that but why is XXXX still selling these compromised cards 7 years after it was brought to their attention? These cards should be removed from the XXXX shelves until U.S Bank figures out how to handle the compromise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85711
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, we sent by certified mail a letter from our attorney to US Bank stating to a change of our beneficiary to our new XXXX dated XX/XX/2022. On XX/XX/2022 we received a call from US Bank for more information. We told him what needed to be done and he said he would talk to the legal team and call us back XX/XX/2022. No call back from them. We called on XX/XX/2022 to find out if this was taken care of for the trust and were told our account would have to be closed first and reopened under a new account number. US Bank will charge us {$570.00} penalty for early withdrawal plus a {$30.00} fee for our {$19000.00} XXXX. We said these have got to be a mistake ; but she insisted this was right. All we wanted to do is just to change our beneficiary to our Trust. There was no way around it. At this point we were so frustrated and told her to send us the money and will not be returning to US Bank again. We had accounts with them for as long as they were open in XXXX XXXX, XXXX some 20-30 years. What can we do now to get some compensation for these outrages penalties?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, {$2000.00} was stolen from my USBank checking account in a series of six transactions using XXXX Instant Transfer. I filed a fraud claim with USBank, but my bank failed to investigate properly and denied the claim. An appeal was subsequently denied as well after an equally ineffectual investigation. Multiple conversations with the bank during the course of these investigations clearly identified the fraud, but I was never able to get the actual investigator to call me, email me, or communicate with me in any way. This seems to me to be a very poor investigation method- to never talk with the affected party. This checking account had never been used previously for XXXX transfers in the 10+ years it had been in existence, and therefore these transactions were completely inconsistent with how this account had been used. Unfortunately, the account had been infiltrated by bad actors via a phishing message which is why they had our credentials and were able to steal our money. A police report has been filed and we have taken the extraordinary steps of closing all our bank accounts and creating new ones with new numbers and credentials. As anyone who has done this before can attest, this is a lengthy and difficult process which only further adds credibility to the fact that these transactions were indeed fraudulent. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. XXXX Bank XXXX Mortgage XXXX XXXX XXXX XXXX, MN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, OR XXXX. Owner : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( US Bank Home Mortgage ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. I have owned the subject property since XXXX. Although US Bank Home Mortgage is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. Therefore, because US Bank Home Mortgage has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under XXXX ( and all relevant laws ), because my application was denied for lack of documents despite US Bank Home Mortgage previously acknowledging that my loan modification/RMA packet XXXX packet ) was complete? Although there is no pending sale date, is US Bank Home Mortgage intentionally declining to review my subsequent packet? For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible? In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to US Bank Home Mortgage. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to? At present, there is no sale date on my subject property. From my review of the laws under XXXX, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me. Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: SOMEONE STOLE A CHECK AND DEPOSITED INTO MY ACCOUNT WITHOUT MY PERMSISSION AND IT HAVE CAUSED OVERDRAFT FEES AND ALSO CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A