Date Received: 2022-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was incarcerated XXXX of last year and card end up stolen while incarcerated fraud charges had occurred and account closed and now nobody at the bank/? card issuers cant help nor get information about how to fix the problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid US Bank for a home appraisal and they are now saying they are going to refund the money I paid to get my home appraised. I am wanting to get rid of my PMI insurance due to having over 20 % equity in the home already. they want me to pay this PMI insurance so they are not being helpful. I purchased my house for $ XXXX and it is worth over $ XXXX. So they should remove my PMI insurance. I am having a terrible time working with US bank on this matter. They are making it next to impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The secured property is a condominium under management by an Association. Flood insurance is maintained on the common property by the Association 's insurance provider.. A copy of the master policy is not automatically sent to our lender, so every year the lender, U.S. Bank , requests a copy of it. Over the course of the years we have owned the property, we have mailed it to the address provided for this purpose, we have uploaded it to the website they direct and/or both. They allow 45 days for us to provide the information to avoid forced placed insurance. This year in particular, we requested the information from the insurance agent who indicated they could not provide it directly to me and instead needed to send it to U.S. Bank. Wonderful. It was sent on XXXX/XXXX/22, and per phone call today with US Bank, it has not yet been logged to our account. The represented then called the insurance agent and US Bank then gave her the ihaveinsurance website, a fax number and a mailing address to send it to - all BLACK HOLES. If this insurance certificate does not reach the appropriate person who knows how to read it ( yes, that is another issue ), then they put forced placed insurance on our account that I then have to fight to have reversed. OMG!!! How can it take more than 4 weeks for them to process this information. Plus the customer service reps I have talked to all feign ignorance as to the process and act as though there is nothing they can do about it. So my fate lies in the hands of some data entry person for which have apparently been understaffed FOR YEARS!! Based on past DOJ lawsuits of similar nature, it seems to me it is a deliberate and intentional way to fleece unsuspecting consumers out of a bunch of money. This happens EVERY SINGLE YEAR!! I have called them about this several times and yet the situation never improves! They know full well the importance of this to their customers, yet they treat it without any amount of caring or concern and total lack of urgency. Please make it stop. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Had a heated conversation with bank manager about policy, the next day i was called from another bank manager and we decided to end our relationship.I was told ant the end of the month my acts would be closed.The next day i went to close and pick up my money i was told my acts were closed the day before and checks were sent out fed ex tracking number would be available the following day.the next day i was told the checks went out XXXX and tracking number would be available the next day. the next day i was told the checks went out first class mail and wait 5 days if they would come.it is now 3 weeks later and the crippling effects this has had to me and my business by not having any of my funds, personal and business.has to be addressed.i never knew banks could steal all your money with the excuse of one of the oldest lies in the book, The check is in the mail. HELP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60087
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Approximately one month ago US Bank personnel embezzled, converted or otherwise unlawfully exercised dominion and control over, the complainants checking account as an unappointed fiduciary, overdrafting {XXXX}. Without the complainants consent, said personnel then tendered that amount to the XXXX XXXX XXXX and thereafter imposed overdraft penalties on the complainants account in the amount of {XXXX}. Notwithstanding, the complainant recently deposited money into [ his ] checking account, whereat which time US Bank personnel excised the overdraft penalty fees fraudulently manufactured by them. Since then, the complainant has been reluctant to deposit any more funds onto [ his ] checking account, due to these unfettered actions, and the lack of procedural safeguards associated therewith. Nevertheless, through recorded conversations between the companies and the complainant it was determined that funds would be redeposited onto the complainants checking account and the overdraft penalties remitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/22 I logged into my business US Bank mobile banking app and followed the process suggested by customer service representatives to apply for a credit card. I do not have any personal banking with US Bank. On the homepage of the app, there is an ad that states : " Explore and Apply>Reach for financial freedom>Credit Cards '' you can click on the credit card link and it opens a page that states " Credit Cards : Find a card that fits your lifestyle. '' It shows Filter by Card Feature and " All Credit Cards '' is selected. The following page shows ONLY personal consumer credit cards including all of the following : " U.S. Bank Altitude Go XXXX XXXX XXXX ; U.S. Bank XXXX XXXX XXXX XXXX XXXX ; U.S. Bank XXXX XXXX XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX ; U.S , Bank XXXX XXXX XXXX XXXX XXXX XXXX and the following Secure Credit Cards : " U.S. Bank XXXX XXXX XXXX XXXX U.S. Bank Altitude Go Visa Secured Card ; U.S. Bank XXXX XXXX Secured Card '' In addition to the ad posted on the homepage of the Business Banking App, you can click on the menu on the upper left and then click on " Explore accounts & offers '' From there you can click on " Credit Cards '' under financial products. This takes you to the same page that ONLY displays consumer credit cards. On the advice of the customer service rep I applied for a credit card while logged into my business account under the assumption that I was applying for a business credit card NOT a personal consumer credit card. When I spoke to the customer service rep inquiring about obtaining a business credit card for my new business account, I was advised to apply via the mobile banking app since it would be automatically tied to my business account. I asked since it was a new account with no credit history if I would first need to apply for a secured account and they advised me that no, it would look take into account the personal credit of myself and my business partner. I applied for the " U.S. Bank XXXX XXXXXXXX XXXX XXXX XXXX while logged into my business banking app thinking this was a business credit card. No where under the credit card page with " All credit cards '' did it show or mention any difference or availability of a business credit card. I applied on Friday, XX/XX/22 and added my business partner onto the application and was approved for {$20000.00}. On XX/XX/22, I called into US Bank customer service for an unrelated issue and inquired about my credit card application. I was told by the customer service rep that the card was being mailed but in the meantime I could see details ( credit availability, etc. ) on my mobile banking app. I let the customer service rep know that nothing showed on my account. She researched and let me know that I would need to create a PERSONAL banking account to access my credit card info because I had applied for a personal consumer credit card instead of a business credit card. From that point I spoke to multiple customer service reps and managers to try to cancel my personal credit card applcation. I spoke to customer service representatives and managers from both personal and business banking who all advised me ( including while on a cobrowsing/screen sharing process ) that if I wanted to apply for a credit card for my business, I would need to follow the steps I listed above ( click on the menu in the upper left hand corner then click on credit cards ). After these multiple customer service representatives realized that they had all advised me to XXXX for a personal credit card instead of a business credit card they apologized and said they would escalate my issue to cancel my application and reach out to the credit bureaus on my behalf to void any application and hard inquiry into my credit for the application. I was on the phone and placed on hold by 6 different representatives and when I reached their credit card department they said that all other representatives lied to me to get me off of the phone and that was no way that they could rectify the situation with the credit bureaus and that I would need to mail in a letter so that they could review the situation. This rep tried to get me to keep the personal consumer credit card by suggesting " maybe you can use this personal credit card '' and can I incentivize you to keep this if I offer you a " {$25.00} cash credit towards a future purchase ''. I responded that I do not need a personal consumer credit card and have no need for personal banking and/or credit with the bank, that I wanted the application cancelled/removed from my credit report through their escalation process and that if I were to open a business credit card with them, I would take the cash credit there. This customer service rep cancelled my application and then let me know there was nothing else he can do which makes it seem like I ( as a consumer ) decided to apply and then cancel an approved credit card. Multiple customer service representatives placed me on hold and were unable/unwilling to assist me. Several did not listen to my issue and attempted to transfer me to the wrong department just to get me off the phone. I realized that there is a way to apply for a business card while logged into business mobile banking app by clicking on the menu in the upper left hand corner, clicking on " Explore accounts & offers '', scrolling down to " business banking '' and then clicking " Business credit cards ''. There you have the option of seeing their 3 business credit cards. US Bank is practicing deceptive marketing tactics and not properly training their staff in order to get business account holders to apply for personal consumer credit cards. This practice is unethical and their overall customer service is absolutely horrendous.
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: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a call on XX/XX/XXXX, from an unknown number. After not answering the call I proceeded to receive a voice mail recording. The recording stated " XXXX XXXX here and skip tracing a pre-legal department at XXXX XXXX '' The voice recording then gave a website to pay off the debt. I then went to the website : XXXX and there is no address listed on the site to send any debt validation letters, or cease and desist letters. After entering in some of my information I was presented with XXXX options for payment, but no information about the debt that I could verify. Shortly after and without asking I started receiving text messages to my phone number. However every time I request an address to send a debt validation letter the communication stops. I believe this to be in violation of the Fair Credit Reporting Act, as I am allowed to send a debt validation by mail and they are refusing to send an address to do so. It also appears upon further investigation that the website registers to XXXX and not the United States. I believe this to be a fraudulent collection activity, on a debt I do not know and am not able to verify.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54703
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone used my identity to open an account with US Bank. The information on file with US Bank says that this account was opened and used by someone in XXXX. I have never been nor do I live in XXXX. After trying after trying to solve this problem I was told by XXXX and the credit card company will XXXX US Bank to file a report. My contact number is cell phone XXXX please feel free to contact me at anytime thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a US Bank small business checking account as a sole proprietor on XXXX under the terms of a bonus that stated 'You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening ' to receive {$300.00}. On XXXX, I deposited {$3000.00} in money new to US Bank from my XXXX bank account. This money, having been deposited within 30 days, was in the account in question ( ending in XXXX ) until XXXX, well after 60 days. Despite meeting the terms of the bonus, I did not receive it. After contacting US Bank, I was told " The customer did not make the required amount of deposits from eligible sources within the 30 day time frame. Per the disclosure : You must make new deposit ( s ) of at least {$3000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening and then maintain a balance of at least {$3000.00} through 60 days after account opening. '' Despite my complaints that this was patently false, US Bank has refused to offer anything more in response. They can not be allowed to simply disregard the terms in their promotion in an attempt to gin up new accounts false advertising and deceptive and malicious practices are particularly dangerous when it comes to banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: My husband & I are in the final stages of closing escrow on a new home. We were waiting for the wiring instructions as this was a cash purchase. We received the wire instructions for our escrow agent as well as an email from our real estate agent asking us to confirm receipt of the wire instructions. We responded we had and wired the money that day according to the instructions. Both emails looked exactly like previous emails from both our realtor and escrow company so we were not suspicious. We wired funds on Wednesday, XX/XX/XXXX. On Friday I contacted the escrow company VP to complain that my agent was not returning calls and that we had not been given the signing date as promised. He informed me that they had not sent wire instructions and that our {$580000.00} had been sent to a fraudulent company. The escrow company reviewed everything we were sent and were amazed at how the fraudsters were able to clone their own documents. We contacted our bank and reported the fraud on Friday, XX/XX/XXXX. my banks fraud department contacted US Bank oXXXX XXXX, CA ( the receiving bank ) and requested a recall based on fraud. At this point XXXX Bank has not made the decision to return our funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A