Date Received: 2022-03-08
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: XXXX of 2021, I contacted US Bank to get help with turning off withdrawals as bills were about be withdrawn and my assistant lost the pay checks and they have to be recut, and unfortunately unemployment had not been reinstated due to the unlawful cut off of payments. I had asked for solutions because I did not want to overdraft. In XXXX, I had become severely ill which has slowed down my functions, which I explained to them. XXXX XXXX, My account had become severely overdrawn and I needed help. I spoke with corporate via XXXX then a phone call. They were able to connect me to the local Regional Manager. My XXXX account historically has never been allowed to surpass {$300.00} in overdraft before it declines transactions. My business account was different, It never exceeded {$1200.00}. I spoke with the Regional Manager, whom I explained my situation to that occured as a result of the pandemic. She proceeded to belittle me and tell me how to spend my money. I have auto order supplies for my business from XXXX, and she said if I watched how I spent my money and not shop so often. I stopped her right there because I was not calling a financial advisor, I needed a resolution to my issuer after trying to get help for 3 weeksr. I tried to do all the right things so I would not end up here. I focused on why the call is needed and trying to resolve the overdraft fees. She did have the fees removed, However someone changed my account type. In XXXX, I over drafted by one transaction due to a hold that was supposed to be released. With in 24 hours, I not only had over draft fees, I saw new fews that I have not seen ever on my account for over a decade. I did not know when I went to deposit another check, and found that my account was over drafted, again. This time I was being charged returned check fees on top of NSF fees. Every payment they rejected cost me {$72.00} in fees to US Bank, and then of course my billers charged me returned check fees 38 totally each rejection fee of {$110.00}. My accounts also supposed the {$300.00} threshold and I had turned off the option to allow over draft. Of course this time, they would not help me. I figured I could just hang tight since I had guaranteed money coming. Unfortunately, US bank Closed b both my accounts In XX/XX/2021. I only found out they were closed because the remained off my EILD which was going to help get back on my feet was rejected by US Bank on XXXX XXXX. Unfortunately, I still am waiting for the funds, since it auto restarts the process when banks reject. I was also finally going to receive Unemployment, But the same week as the loan, They tried to deposit and it was rejected. This issue raised red flags which them pushed my SBA loan and PUA in to fraud alert. Now again, I am still not well. It is now XX/XX/XXXX, I am still waiting for funds to get re-dispursed with no income and no money to pay bills or buy food as a result of someone changing my account type with out my permission at US Bank. I am unable to get the last 3 months of statements, which I have requested
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a XXXX XXXX XXXX XXXX XXXX credit card account in XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
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: 2022-03-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have US Bank XXXX credit card. US Bank sent me an email to open Business checking account ( online ) with promotion ( {$300.00} cash back ). On XXXX XX/XX/2022, I tried opening the account online and it was approved. But I didn't " got any email confirmation about my a/c # and routing #. So i called US Bank twice during last 4 days. Either US Bank customer service is unsure that account opened or asked me to call later. I have no idea what's going on? On XXXX XX/XX/2022 call, I was told that business account can not be opened online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have placed a permanent credit card offers opt out on all three credit agencies on XXXX on web site outoutpreescreen.com with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks for my Fidelity Investments /Elan financial service credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mother died in XXXX. I found out in XXXX that my bank declared me deceased and froze all my accounts. In XXXX I was able to finally use my credit card, but my autopay was still frozen. All my autopay bills and checks bounced. After many phone calls and complaints I ended up having to close all accounts and open new ones. I lost all my credit which was in the 800s. Yesterday I found out that two of my XXXX siblings have also been declared as deceased, and they do not use the same bank. Yesterday, I spent 45 minutes at the bank trying to figure out how this could happen. My siblings and I each shared a CD with my mom. I think that someone at US Bank marked the three of us deceased when they processed the CDs. The banker told me to have my siblings go to a US Bank to prove they are alive and have the bank call life events. I am still clearing up my accounts and now my two siblings are going to have to spend months trying to prove they are alive, fix bounced payments and credit cards, and try to fix their credit scores. Someone needs to find out where this major error occurred and correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My companys bank account with US Bank was frozen on XX/XX/2021. I made several phone calls to them and visited the branch more than 5 times. When I first called, they told me it would be resolved in 3 weeks or so. However, after a while, they informed me that my account would be officially closed on XX/XX/2021 and advised me to discuss with the XXXX XXXX branch regarding the balance being refunded to me. I visited the branch again in XXXX and around the end of XXXX. That is when they told me to submit invoices for 4 checks. They claim that verification is required for about {$17000.00} of the total frozen amount of about {$50000.00}. I asked one of the bankers at the branch if he could provide documents, such as bank statements for the checks that they needed verified. They told me to provide invoices for the 2 checks and the full bank statements for the other 2 checks, instead of partial statements. I was under the impression that US Bank can complete a verification process through copies of the cleared checks in question and/or statements showing the items had cleared. Many of these checks that they are wanting verified are checks from customers that have been deposited into my account several times prior. This random request makes me feel like this is just a way for them to stall releasing my funds that are currently still frozen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: They said our forbearance has been used up 18 months not continuous but we need to start paying mortgage, when I call to arrange & fix forbearance payments different XXXX bank reps keep giving me run around. For months saying its been escalated. We need to pay mortgage this XXXX already but everytime I call, they said we need a mgr to work payment plan for XXXX we owe but no one can help us. They keep saying call back. We dnt want to lose our home but it seems we cant get help either. They said dnt pay XXXX bec the past due needs to be discussed first. I will be delinquent this XXXX already. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I reached out to U.S.BANK in the beginning of XXXX to refinance our mortgage. We had received different offers in the mail, including offers from U.S. BANK. The whole process was a mess! From uploading the information to who ever needed it. I was having trouble with scanning everything into the portal, so I stopped into a newby location and asked if they would scan everything in for me. Which they gave me a hard time about, because I didn't have an appointment. But, there was no other customers there or on the phone... Then she didn't scan all the information, which caused a hold up. Then the confusion of my husbands job. He has been a XXXX for many years! Which caused confusion. I would get multiple calls, often asking the same thing, asking for XXXX 's business information. In order to refinance we needed to have an appraisal done. Which they supplied the person but had to pay for it, which we did on XX/XX/2021. I get the call from my refinance lady XXXX XXXX saying everything is looking well, and they just needed to verify our employment information. She called me and let me know she did, and everything checked out, and our loan would be closing soon. At this point I did speak with my employers about going down to part time because I had received a better job offer. The conversation did not go well, and I was told they were not interested in that. Later, to find out that some how my information was wrong either from my then employer or at the bank but they had to call them back to verify which they also told them I didnt work for them anymore. Sigh, so another hurdle, even though I left for a better occupation, and have a solid work history my income no longer counted. Even though I would have waited to give my notice until after the loan was closed. So at this point XXXX tells me it will be ok, XXXX will be approved on his own income. Ok great! Well, maybe you might have to pay off your vehicle, even though in the mean time we had paid off his truck. After, working on paying off my vehicle, she then informs me that she was wrong that won't work... And that we have to wait at least 3 months for my income to count again.. At which point our interest rate was going to be 2.5 for a 15 year loan. Needless to say, after trying to work with U.S.BANK for 4 months to refinance we decided to look else where. The reason we were going with U.S. Bank in the first place was because that's were we had our original mortgage thru, that is where we have all accounts we thought that it would be the easiest. They already have all our information. Well we decided to work with XXXX XXXX, which requested the appraisal information. XXXX XXXX informed me that I needed to get the appraisal and a form n from U.S.BANK because they had tried via email and fax requesting it. Which I then forwarded the emails to XXXX and XXXX XXXX. I did not get a copy myself. I could not get anything to open. I asked several times, even called multiple times. XXXX XXXX sent me back a reply stating that in the 20 years he has worked in mortgage he has never sent an appraisal. Time went on, with more request even asking them to find a supervisor or someone else to send the information back over. Well the information was never sent, and time ran out. The appraisal expired, so I just had to pay to have another one done. This was a total nightmare experience, that was costly in our time, stress level, and money with no results. We have had lots of small problems here and there with this company, but this is the final straw with this company. After our refinance is completed we are closing all of ours accounts, and strongly recommending everyone else we know do the same thing. Currently we have our checkings, savings, credit cards and mortgage with U.S.BANK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The credit card is the US Bank XXXX XXXX card. One of the advertised benefits is they will reimburse you for XXXX. This was the first charge that I had placed after I received the card back on XX/XX/XXXX. After my statement closed and I noticed I didn't get reimbursed, I called and was first told it could take a couple weeks. When that didn't happen the next person I called told me it could take 6 to 8 weeks after the purchase was made to receive it. When that didn't happen the next person said he had no idea when I would get reimbursed and couldn't give me a reason why it was not happening. Hoping to get better results, I contacted a member from their social media team on XXXX. This person actually contacted me on the phone and seemed to understand my problems and concerns. He told me he would submit a complaint on my behalf to corporate. He stated " this will usually light a fire under their XXXX '' and I should expect a call within a few days. This took place on XX/XX/XXXX. I haven't heard anything back yet. It has been 10 weeks since this purchase was made and I haven't received anything other than one sorry excuse after another.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62002
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Received phone call from someone claiming to be from " XXXX & XXXX XXXX XXXX and XXXX. '' The person stated I had a debt owed to US Bank for over {$2000.00} and liens had been placed against my home, bank accounts, and properties. I asked when the original debt was created, as I have filed bankruptcy and my debts were discharged in 2013. The person refused to answer. Then the person stated " Good luck in court '' and hung up. I called back to get further information and the same person answered but could not give me any details regarding the debt and insisted I would receive the information when I was served.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64093
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A