Date Received: 2022-03-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XX/XX/XXXX I reported to us bank that my wallet and all bank cards was stolen and asked that my account be put on hold. Well I finailly got a chance to go in a branch office in XX/XX/XXXX to take care of everything and I and I ordered new cards well us bank closed all my accounts even after I went in the branch location and the stole all my money in my account and all my refunds from XXXX and this is after I reported to them I had no access to my account at all since XX/XX/XXXX. I am hightly upset that this happened and something needs to be done about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71603
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi, My name is XXXX XXXX I have been trying to reach out to US BANK HOME MTG concerning my account I had refinanced a while back. In which they have added a late payment to my mortgage in which was never late there was refinance, payment issue going on in which they marked late payments on my credit report in which ultimately is severely hurting my credit. I have reached out to this company in which for a few months to no avail in which they haven't reached back out. I am asking the CFPB help with this issue to get this fixed, please see the attached documentation down below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Please refer to close case # XXXX The issue still not being resolved per U.S. Bank -- I have not received refund requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX XXXX XXXX credit card serviced by XXXX XXXX XXXX continues to charge foreign transaction fees for purchases made in US dollars on US sites. On at least 5 occasions they charged fees of {$0.00}, {$2.00}, {$0.00}, {$1.00}, and {$1.00} ( a percentage of transaction ) for transactions they did not have to convert to USD to post to my account. The transactions were completed and processed in US Dollars. One of the transactions was even for a in store pick up transaction in Ohio. The explanation given by customer service is that they use the company 's base as a definition of a foreign transaction and expect a customer to know where the base is located. This feels like a deceptive process. No purchase was made in another country or shipped from another country. No currency conversion has taken place. The transaction is in US Dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This criminal company ELAN financial IS NOT CALCULATING my reward points correctly and refused to give over 5500 rewards point, after calling 3 times and waiting over 20 minutes each time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Good Morning, My account has been placed in collections with US Bank however, the company keeps charging my account with late fees. My account has an increased balance of over {$300.00} fees. I have spoken with three managers and they've stated that they can continue to charge late fees. Please advise on any legal advice. Hope to hear from someone soon. Kind Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/2022 I sent a cashiers check for {$31000.00} to pay off my lease to US Bank. Today is XXXX XXXX and I have not received a title, lien release or other documentation for this car that I possess and own in theory. US Bank claims the they mailed documents but can not verify this. I was told they would re-issue the lien release 2+ weeks ago, and have since received nothing. This is unfair practice and behavior for a major bank.They have proven themselves incompetent in all aspects other than cashing my check.I have no ability to sell, trade or even change the loss payee on my insurance policy. Any automobile dealer would be subject to punitive actions for such behavior. Just making a late payment on the lease would come with a stiff penalty, why are they held to no standards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14617
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have tried multiple times to contact U.S. Bank regarding my credit card. I have been unable to log into my account for 6-8 weeks. I have a new phone number, which I had updated, but they did not make a change to using it as account recovery. Therefore, when I try to reset my password it will not allow me. I have not had access to my account to review any charges, verify accuracy of my bill, or make an online payment. I have called them via phone in XXXX, XXXX, and again today XX/XX/XXXX. Today, I learned that they did not update my account properly and that I will take 3 business days to correct. I requested to speak to someone in their credit department as I wanted to request they remove the negative remarks since it was their error that did not allow me to view or pay my bill online. I spent 54 minutes on the phone but was disconnected. I called back, spent another 5-10minutes on the phone and was disconnected. I called a 3rd time and was told no one would help me unless I paid my bill and when I requested a supervisor the call was again disconnected. I do not think I should be at fault when U.S. Bank has not provided me with the ability to view and pay my bill online. I can bring my account current once I finally gain access to my account ( supposedly on XX/XX/XXXX yet my next billing date is XX/XX/XXXX so they will report me for a 3rd month ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have contacted US bank several times now regarding me getting sick and being hospitalized, which makes me unable to work and get money into my accounts. I need to catch up with my bills, and it's impossible to clear the balance. I have gotten numerous overdrafts and or returned check fees and am looking for some assistance with the charges, please. I have XXXX children and I'm trying to make ends meet until I'm back at work. Customer service has not helped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased XXXX prepaid XXXX 's each for {$100.00} dollars on XX/XX/22 at XXXX. After purchase I gave them to people and was immediately notified by all people that none of them worked. I spent several days and a lot of hours calling Gift Card Services ( The number on the back of the cards ), I was told that the cards " Could not be validated ''. I tried to dispute the transaction with XXXX XXXX ( My credit card that I purchased these with ), and they said that XXXX provided proof that they loaded the cards. I spoke to XXXX 's Corporate office, the told me to go back to the store and speak with the store Manager. The Manager said to contact XXXX. XXXX said that I needed to talk with US Bank National Association. And US bank sent me to " Marketing Solutions '' who does not answer their phone or return my voicemails. No one has been able to assist me, and {$1200.00} is a lot of money for no one to care that I never received what I paid for. It has now been 30 days, this is ridiculous. I would never purchase pre-paid cards ever again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A