Date Received: 2024-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/24 at XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX ATM machine closed the door with my money and printed a receipt saying the deposit had an error and gave me an XXXX number to call. It did not put the funds in my account and I was told I had to wait 7-14 days. This is absurd! The company that picks up the money obviously did not balance and has my money. Yet I have to wait as my account goes into negative balance and checks returned. Not to mention I have had to cancel appointments that I had due to not having.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: On XX/XX/XXXX I requested a loan modification online from my bank because I can not work due to mental and physical conditions, I sent documents and on XX/XX/XXXX they rejected the documents, they did not explain well what documents to send, they did not send me an email explaining to me the communication is bad with USA Bank HOME MORTGAGE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To whom this may concern, I hope this email finds you well. I am writing to bring to your attention a series of challenges I have encountered with my business account at US Bank and seek urgent assistance in resolving the issues. On XX/XX/, I received a notification confirming a {$9000.00} deposit into my account, with the funds allegedly available. However, when attempting to make a withdrawal later that day at the branch located at XXXX XXXX XXXX, XXXX, Ohio, I was informed by the branch manager, XXXX XXXX, that the funds were pending. Despite showing availability on my end, XXXX suggested using my debit card, assuring me that the funds would be accessible the next business day. I subsequently made a purchase with my debit card for {$1100.00} at XXXX on the same day. To my surprise, on XXXX XXXX XXXX XXXX XXXXXXXX informed me that my business account was blocked. He requested documentation of ownership for XXXX XXXX, to which I promptly provided details for XXXX XXXX, XXXX XXXX, and relevant contracts. Subsequent communication with the vice president XXXX XXXX on XX/XX/XXXX revealed that my account was blocked for money laundering, leading to the closure of my account, as stated in the letter dated XX/XX/2023. I reached out to US Bank customer service on XXXX confirming the official closure of my account on XX/XX/. I was advised that a cashiers check would be mailed to my home within 15 business days. I sought clarification on whether the check would be returned to the bank institution or sent to my home, and the customer service representative confirmed it would be mailed to my home. Additionally, I requested confirmation of my address, which was provided as it wasnt specified in the XX/XX/, letter. Despite these assurances, on XXXX a customer service representative claimed to be emailing the fraud department, promising a callback that never materialized. On XX/XX/, I faced challenges with various departments unable to determine the status of my funds and attempts to contact the fraud department were unfruitful. Furthermore, I was directed to my home bank, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, to speak with the branch manager, XXXX. Our initial conversation on XX/XX/XXXX revealed Shermans lack of awareness regarding the business account opened online and the circumstances leading to its closure. I informed him about the XX/XX/XXXX letter, which suggested a cashiers check within 15 business days. Following up on XX/XX/XXXX, I provided XXXX with our XXXX. On XX/XX/XXXX, I called again to follow up. On XX/XX/XXXX, XXXX informed me that the deposit was made via ACH, and ACH payments had been returned to the bank institution. Despite informing XXXX of XXXX Internationals claim of non-receipt, there was no clarity on the return date of funds. On XXXX XXXX XXXXXXXX stated he was emailing someone for further information. Despite our efforts, communication with both XXXX XXXX, XXXX, and US Bank has been unhelpful in resolving the issue. XXXX XXXX claims that they never received the return of our funds from US Bank. Given the complexities involved, I kindly request your assistance in locating our funds so that they can be reimbursed to a different bank institution or sent via mail. Please let me know if there is any additional information or documentation needed from my end to facilitate this process. Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving the situation. Thank you for your understanding and assistance. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized inquiries on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98926
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/24, I received a letter from US Bank dated XX/XX/24 stating they'd elected to close my credit card account effective immediately and that all reward points were forfeited upon closure. The points amounted to about XXXX points, or roughly {$1400.00} in value from a recent sign up bonus and spend, that were instantly lost without reconciliation citing its alleged terms all while incapable of identifying an issue signaling the justification for its closure. Further, the {$400.00} annual fee that was paid upon opening in the XXXX wasn't returned, and this is a theft of well over {$1500.00} in value. That I even need to waste my time advocating that their criminality be reversed is abhorrent and abusive behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: US Bank offers a reward point system as their " cash back '' on credit cards. These points are transferable to cash, or redeemable via a US Bank portal, however to redeem to cash, you can only do so in units of XXXX points. All promotional materials for US Bank credit cards note that you can receive " cash back '' for rewards spending on their credit cards, but there is no where, including in the card member agreement, that tells you that the redemption can only occur in units of XXXX and that you must have a minimum of XXXX points [ equivalent to {$25.00} ] to redeem points. This is deeply misleading to consumers as nowhere in promotional material does it suggest that redemption of rewards would be restricted like that, and then once you have an account, you need to constantly spend in order to achieve certain points totals, and unless you exactly mete out spending, there will always be 'superfluous ' points that can functionally never be redeemed for their cash value.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX at 1731 hours, my wife and I deposited 6 {$50.00} bills in the ATM at US BANK in XXXX, Nevada at XXXX XXXX XXXX . The ATM took our money and did not deposit into our account with XXXX XXXX XXXX who is a sister bank that uses US Bank. when we made the deposit, we received a receipt that stated, " A MACHINE ERROR HAS OCCURRED WE ARE UNABLE TO CREDIT YOU ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. '' For the record it took all the money we attempted to deposit and after many emails and multiple dispute submissions US BANK has still not resolved the issue. The Bank Branch manager stated, after I showed her, the receipt verifying that their ATM stole our money she stated at the bank, and I quote " We don't have {$300.00} dollars to give you. '' This is theft, I filed a police report and the police will not investigate. US BANK has not returned our money. I want my money or the next stop is with an attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: The process started on XX/XX/XXXX when US Bank was approached to sign a form. I keep getting delays and lack of responses from them. I have been told by two managers ( XXXX XXXX XXXX ) that they are NOT allowed to call me back to give me an update on the progress. I am required to call in each time and spend approximately 20 minutes re-explaining the issues. There is rarely any update or progress from that phone call. US Bank does not allow me to communicate directly with their Customer Service Research or TIC Request Department. If that could happen, I could answer any questions they have immediately instead of playing the wait and see, wait and see, and wait and see. Other dates of communication have been XX/XX/XXXX & XXXX and XX/XX/XXXX, XXXX, and now the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: ive been dealing with this for a year i even filed a police report now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: U.S. Bank did it again. They did a payment reversal on my payment that I made to them. I know they are going to charge me a late fee they are I swear trying to XXXX me over and ruin my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67401
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A