Date Received: 2022-06-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: US bank has an issue with profiling customers. I spoke to a manager at a brach regarding my account and a deposit of a government check for my business. The branch manager XXXX XXXX ( XXXX XXXX ) said he would send in my check to MN as it was above the limit for deposit. The check deposited was a tax return check for my business. The manager on the phone told me there would be no issues with the deposit but a week later I received a letter from the branch manager XXXX XXXX XXXX stating that US bank would be closing my account without any reasoning. I called the branch for further clarification as I knew It had nothing to do with my account. It was in good standing with no bounced checks for late payments. All my checks deposited where travelers checks - and they stated this not something they can discuss and I would need to call corporate. After spending 30 mins waiting to speak to someone at corporate they stated they do not have reasoning and nor do they need to provide one to close an account. The mentioned to me in the deposit agreement that ( page 14 ) that they can close and account for " any or no reason ''. This is the clause US bank uses to allow its employees to openly discriminate against customers with immunity. They will close down the accounts of anybody they please and without any warning or reasoning. As a citizen and taxpayer who paid for the bailouts of these banks I feel cheated and I want representation to fight these egregious laws US Banks has made to cause detriment to minority business owners. US Bank recently settled on a case where the branch manager declined to deposit a check from a Minority only to find out later that the check was in fact his and eventually settled with the individual.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: USBank : Account # XXXX US Bank Timeline XXXX I sent my Instrument of payment in the amount of {$130000.00} to USBANK CERTIFIED MAIL. XXXX XXXX XXXX XXXX XXXX, MO XXXX. TRACKING # XXXX. XXXXCertified Mail was delivered. XXXX I received refused Payment Of Instrument via ups from USBANK With notice dated XX/XX/2022. I spoke with supervisor XXXX ID number XXXX in regards to the refused payment and informed her of XXXX and XXXX. XXXX I sent a Conditional Agreement to USBANK with the Attention of XXXX XXXX CERTIFIED MAIL. TRACKING # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Money was not available when promised
Subissue:
Consumer Complaint: on XX/XX/2022 I wired transfer {$9000.00} from my US Bank account to XXXX Bank XXXX XXXX through my local US Bank branch in XXXX, Kansas. I have attached receipt of that transfer. The money supposed to be in the recipient bank on or before XX/XX/2022. It did not happened. I went to bank after 2 weeks to find out why transfer has been not completed. The branch told that it is not in their control anymore. I contacted their wire department by calling. Wire department told me to go to local branch and initiate trace case. I went to local branch and asked them to initiate trace case. They did open trace case. Next day I received call from branch and they told me that money was at XXXX XXXX XXXX and they have released today and recipient bank will receive within 2 to 3 days. I waited again for week. Nothing happened. I called local branch to find out again. I called so many times by now. No answer. Transfer not completed as of today XX/XX/2022. I do not know where the money is and what is the problem. I asked them to cancel transaction and deposit back to my account. No answer. Please help out to get my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66614
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I purchased a {$500.00} XXXX XXXX XXXX from XXXX. The issuer of the prepaid XXXX is USBank. I gave this as graduation gift. When the recipient went to use it, she was told that it has only {$0.00} on it. I have talked with XXXX three times. They state that they activated the card properly on their end it I have to deal with the XXXX issuers. I have talked with them twice. They tell me it has been put on " fraud monitoring '' hold and I have to submit several documents before they will unlock the card. This makes no sense, they don't know my name anyway. I do not know this issuing institution, I do not want to give them a copy of my Driver 's License, my granddaughter 's name, etc. The keep repeating that it has been put on fraud alert. I asked them who put it on alert and why. All they will say is that their fraud department flagged it. They are asking for my name, my ID, my granddaughter 's name, etc. They have no business asking for this info. I paid for the card and it was activated at the check stand. I am caught between XXXX being unwilling to help and USBank asking me for a lot of information that is unnecessary!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, On XX/XX/XXXX I opened a checking account with US Bank after seeing on their website advertisement that if I set up a direct deposit and paperless statements, and the direct deposit within 60 days is over {$5000.00}, I will receive {$400.00} bonus within 60 days. I met the {$5000.00} direct deposits threshold on XX/XX/XXXX, which is day XXXX after opening the account. Still counting 60 days after opening the account and another 60 days in which the bonus should be received, the due date was XX/XX/XXXX. I called US Bank on XX/XX/XXXX twice and spoke with two representatives providing all that info. I was told that they are forwarding my request to a specific department and I should be contacted by XX/XX/XXXX. I was not. I called again US Bank on XX/XX/XXXX and explained all of the above. I was told by the representative that there are no notes on my account. So neither of the two representatives from XX/XX/XXXX put note or escalated the issue to the appropriate department as I was told. That third representative assured me that he will forward my issue to the appropriate department and he will CC his supervisor to see why nothing was noted/done by the first two representatives, and that I will be contacted within 48 hours. I called again US Bank on XX/XX/XXXX and explained again all of the above and asked about the status because I was again not contacted as promised. The representative put me on hold and after a while i was told that they are still researching it. But when I asked for confirmation that there are notes on my account and what is the due date until I should wait, the representative asked me to provide information about the issue without confirming that there are notes on my account put at least after my third call on XX/XX/XXXX. In essence, each time ( four times now ) I called, the representative would tell me that they need to forward my issue to a specific department, but they would not do so. Neither would they put any notes about my inquiry and the issue on my account. Please help. The bonus offer is again on their website with the same terms as it was in XX/XX/XXXX when I opened the account. ( see : https : //www.usbank.comXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I can provide account information and call logs upon request. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2022, I purchased a {$100.00} XXXX XXXX card from XXXX in XXXX, Virginia. When I got home to activate the card, it didn't work. I called the number on the XXXX XXXX card and was informed they proactive shut down the card due to suspected fraud. I gave them my information on XX/XX/XXXX to send a replacement card, which they claimed would be shipped immediately and arrive in a few weeks. As of XX/XX/XXXX, I have still not received my replacement card. I tried calling back several times today only for customer service to continually hang up on me. I can not reach anyone to resolve my issue, and I have no confirmation a replacement card is actually being sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77092
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: During covid I entered into a forbearance with us bank and ended that XX/XX/2021 till this day they have been unable to take my account out of the forbearance status and US Bank says that my account has not gone through system changes but they can not explain why. I have been trying to refinance with another lender XXXX since XXXX. us bank is aware i am trying to refinance. I have called US Bank over and over and over again And have been told they are working on it and that there would be a resolution very soon but have not seen any results. I also put a complaint in with their advocacy resolution team and was told they would have a resolution for me by XX/XX/XXXX. This was not the case, no one has giving any kind of update. I have not heard anything and when I have call they tell me my complaint was made and there is nothing else they can do for me. I have done 3 way phone calls with my potential lender and US Bank. US Bank has explained to the lender that I am not in forbearance and I have signed the modification, that it is their error that the account has not gone through system changes and they are working on it. The XXXX letters they have provide out of several being asked for do not have the required information. This issue, I found out is going on 5 months of me calling over and over again trying to get no results. My forbearance ended over 7 months ago. The payment I have been making to us bank are not being posted to my mortgage of forbearance but being help in some kind of limbo account. I need help please. The lender XXXX has stated they do not know how much longer they can continue to hold my rate after months of waiting for US Bank to complete modification. I am getting the run around from us bank and am stressed, frustrated and overwhelmed with this ongoing issue. Any assistance is welcomed and appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a phone call from US Bank Fraud Department, XXXX, at or around XXXX on Thursday, XX/XX/2022. The associate introduced herself as XXXX and she was a member of the fraud department at US Bank. She proceeded to tell me there were several attempted transactions that day and her department was alerted. She continued to tell me that someone was trying to use my debit card number at a XXXX in XXXX, FL. She then proceeded to tell me that the 'thieves ' had infiltrated my accounts and were trying to use the XXXX application to send themselves money from my account. She then asked if I would be willing to help the bank, local police and FBI to catch these perpetrators by approving a XXXX transfer to an agent who was in charge of this investigation. She stated that the money would be replaced into my account within 24 hours. I, regretfully, obliged. The following day I continuously checked my account for the reimbursement. I called US Bank Fraud department again to check on the status of this process. As I was on hold for the Fraud Liaison department, I received another call from 'US Bank Fraud Department '. My waiting time on hold was to be 30 minutes, so I answered the incoming call. Another female representative said that my number had been 'flagged ' so that I could get through to their department immediately. She began to reassure me that this process was legitimate and they were investigating the source ( s ) of my issue. She, again, said that my money would be deposited within 24 hours, no later than Monday, XX/XX/2022. On Monday I call the US Bank Fraud Department, XXXX, and spoke with an agent, XXXX ', who listened to my story and immediately told me that I had been the victim of a fraudulent scam. When I asked how they could call me using the banks phone number and when I called the same number the next day how did the " scammers '' know to intercept my call into the bank, her response was that she did not know but they will investigate thoroughly. Unfortunately, I have very little confidence that US Bank will do anything to refund my money because of a hack into their own phone system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: CFPB Should NOTE this is my 4th COMPLAINT AGAINST US BANK CARD MEMBER SERVICES IN THE PAST XXXX Months. Two Disputes were filed with US Bank for Debit Card XXXX for services paid for in advance that were not received. 1. {$940.00} XXXX XXXX XXXX XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 XXXX. {$770.00} XXXX XXXX XXXX XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 I received provisional credits for both {$940.00}, {$770.00} on XX/XX/22. On XX/XX/22 the Provisional Credit for {$770.00} was reversed without any prior notice being sent. On XX/XX/22 the Provisional Credit for {$940.00} was reversed without any prior notice being sent. On XX/XX/22 I Called the Card Member Services Department to find out why the Provisional Credit were reversed and was told that they were DENIED but no reason was given. on XX/XX/22 on the same call I asked the investigation reports be sent to my business address, I verified the correct address and asked that a new claim be opened for both charges, {$940.00}, {$770.00} as I have never received any services for which were paid for in advance. Today I tried calling to get an update on these and was transferred 5 times to 5 different departments. To date I have received nothing from US Bank in regards to my original disputes, the information requests, and additional filings. I demand the return of my money {$940.00} and {$770.00} since I have never received any services for which I paid for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 I opened a U.S bank checking account with the promo code of XXXX. It said if you have direct deposits of {$5000.00} or more I would get a {$500.00} bonus. I called U.S bank that same month to confirm that when I applied I has the promo code attached to my account the customer service representative I spoke with said yes, her name was XXXX. It is now XX/XX/2022 and I have yet to receive my {$500.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A