Date Received: 2022-03-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: I own a small business. I contracted through XXXX ( XXXX XXXX XXXX ) for all my payroll needs. XXXX sends an email to my employees. This email enables my employees to enter their account information for direct deposit. I had one employee enter the wrong account number. This employee told me that he did not get his direct deposit on XX/XX/XXXX, for the amount of # XXXX. I thought it might have taken 2 weeks to get money, so we waited. I pay my team every week. On XX/XX/XXXX, he did not get paid again for {$440.00}. After the second week of my employee not getting his money, I called XXXX. This was XX/XX/XXXX. They sent me the ACH Trace ID number for the deposited transaction and told me to contact my employee 's bank, US Bank. My employee called US Bank and they told him that I needed to call them. I went to the bank and then they told me he needed to go in. The next day we both went into US Bank, and they told us there was nothing they can do. That we needed to call the XXXX number. So, we did. After an hour, the US Bank representative told us that this is XXXX 's responsibility and they needed to take care of it. Ok, fine. I went home and called XXXX. After an hour and a half on the phone with XXXX, I got disconnected. However, I did call them back and they informed me that because I didn't contact them within 5 days of the transaction, there was nothing they can do. And that I needed to call US Bank it is their responsibility to get my money back. During this phone call that lasted an hour and a half, the XXXX representative had me change the pay for my employee to a check. After I did that, the transaction read return funds of {$0.00}. I asked what that meant, and the representative put me on hold, for an hour. Now that the pay was converted to a check but the notice on XXXX said I was getting nothing back from the bank transaction, I had to figure out a way to get my {$830.00}. I know that XXXX and US Bank may think that is nothing compared to the millions of dollars that they make a year, but I am a small business that just opened in XX/XX/XXXX. I am in my first three months of struggle. I just want my money back. My employee needed his money to pay rent and bills. I paid him in cash until all this is taken care of. I would like to know who's responsible for not verifying that the bank account number entered and the name on the bank account is correct? I would like to know how to get the money back from the wrong account it went into? I have ACH Trace ID number. I have the wrong account number where my money went. I have dates. I have amounts. I have everything I need to get my money back. If there is any way you can help, I would appreciate it. Please and Thank You for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/XXXX, we purchased two tickets through XXXX to travel to XXXX. Due to the pandemic, the flight was cancelled. These tickets were purchased using our XXXX XXXX credit card. In XX/XX/XXXX, XXXX stated they were crediting a refund for the tickets in the amount of XXXX due to the pandemic and to allow two billing cycles for the credit to show on our XXXX account. In XX/XX/XXXX, the credit still was not showing on our XXXX credit card account. We contacted XXXX who insisted the credit had been placed back into our account. We contacted XXXX who stated there was no credit on the account from XXXX. After numerous phone calls and emails to both XXXX and XXXX, XXXX forwarded a statement showing the refund was placed back on the Visa XXXX credit card # XXXX, However in XXXX of XXXX, XXXX changed the credit card from a Visa to a XXXX. Upon talking to the representative from XXXX, we were assured that the credit would be corrected and we would be contacted within XXXX hours, Three times this was promised and it never occurred. The only correspondence we received from XXXX stated they could not dispute the original charge for the tickets. We never disputed the price of the tickets that we paid in XXXX and did not have a problem with the original purchase. We wanted the credit that was issued in XXXX of XXXX. We have spoken to numerous persons at XXXX, the last person told us that we could not speak to anyone else and that they would get back to us in XXXX hours and that was on XX/XX/XXXX and the management was reviewing. XXXX XXXX XXXX was contacted and XXXX did not respond to their inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought 2 {$100.00} XXXX gift cards at XXXX apparently sold by US Bank. When I went to use them, they would not work. I had to put all my groceries back. I went home and called XXXX and was informed that the cards had been compromised several weeks earlier, but US Bank hadn't bothered to take them off the shelves. It took over an hour, but they finally agreed to send new cards, but refused to refund the activation fees or to overnight the cards. I was told that they would arrive in 14 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is a continuous problem with U. S. Bank. XXXX XXXX XXXX handled all of our C D ' and upon maturity, a check was always forwarded to us right away. Since U.S. Bank bought out XXXX XXXX XXXX, we have had nothing but trouble in getting our matured C D money. On XX/XX/2022, one of our C D 's matured and I called U.S. Bank and talked to XXXX, alias XXXX, to have our money mailed to us. XXXX said it would be 10 days before we would receive it, but as of today XX/XX/XXXX, we still have not received our money. I called on the XXXX of XXXX and spoke with XXXX XXXX to check on our funds and she said the bank had made a mistake, but she said we should receive the funds soon. I called XXXX and XXXX in personnel for them to check on our proceeds and nothing has been received. Communicated to the bank on their email to no avail in receiving our money. This is a float on our money and these mistakes by the bank should be punishable, please accept this as a Formal Complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We applied for a {$170000.00} XXXX on XX/XX/2022. We submitted all the request support immediately. We believe that met US Bank XXXX underwriting standards. There is an fraud alert on our credit reports that we placed several months ago. The US Bank Underwriter stated that they must call us regarding the fraud alert, which we agree with. To our knowledge US Bank never placed the calls, per our cell phones call history, and we asked US Bank to verify the number being called. He stated, via email, that he called XXXX times. The underwriter was unresponsive to our phone number information request, other then saying in an email that our loan was being " td ''. He further stated that he is not working on this XXXX application. Emails to/from US Bank are available upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I WILL SUBMIT MORE INFORMATION ON MY ORIGINAL FILING THAT WAS CLOSED WITHOUT MY RESPONSE TO THE COMPANY RESPONSE TO MY COMPLAINT. I HAVE MORE INFORMATION THAT I WILL BE SUBMITTING BY REGULAR MAIL. I AM CHARGED TWICE ON INTEREST ON MY ACCOUNT. ONCE ON THE " XXXX OF THE MONTH, WHICH IS CHARGED TO MY " CREDIT CARD '' WHICH IS TAKEN FROM THE BALANCE ON MY CARD. IF MY BALANCE IS BEFORE THE XXXX ( example {$130.00}, after the XXXX my account is charged {$44.00}, they take the money out of my charging balance, now it reads {$80.00} on my available credit charging ). THEN ON THE NEXT MONTHS BILLING I'M CHARGED " MORE INTEREST '' WHICH I PAY IN CASH WHEN I PAY MY MONTHLY CHARGE. HOW IS THIS RIGHT? OR FAIR? MY COMPLAINT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: When I transfered funds from a XXXX XXXX account into my US Bank account. I accidentally withdrew from the US Bank account when I had no funds. They fixed the issue but when I tried to transfer the same amount into the US Bank the fraud department thought it was the original transfer out of the us Bank and automatically " fixed it '' by taking our second transfer of XXXX XXXX We called US Bank they said it would be resolved in 10 days. We keep checking on the status and now they don't even have a record for part of the calls. We just want our money back and they would do that. Thank you.
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: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mother in-law was recently diagnosed with XXXX XXXX XXXX after she went for a possible XXXX scan on XX/XX/XXXX. She wrote out a check to me, and my wife 's brother for {$3900.00}. We have 4 kids and a hectic schedule given the circumstances and my mother in-law wanted this money out quickly. She only had 3 checks and no more checkbooks left, and she has struggled with writing for a month now. She wrote me 2 separate checks so that I was able to mobile deposit ( limit of {$2500.00} ) so she had changed the amount from one {$3900.00} check to 2 separate ones- {$2000.00} and {$1900.00}. The checks were scribbled on, however my brief XXXX search made me think some banks would accept it and some banks wouldn't. Her brothers check was accepted just fine, and after my first deposit of the {$2000.00} check I received a call from my local bank manager on Friday, XX/XX/XXXX asking about the check even though it was already cleared in my account from my end. I explained the situation and he simply understood and started talking about how much money I could have received if I had a cash back debit card instead. Since I explained the situation to my branch manager and he seemed unconcerned, I deposited the second check ( {$1900.00} ) under the assumption everyone was on the same page. Both deposits have come out of my mother in-laws account and are still out today. Saturday, XX/XX/XXXX my card declined at a local store. I went into my branch and they issued me a replacement card- that still did not work. They told me I should wait until Monday since they couldn't understand the situation. I then called the XXXX number for my bank to which I was told by 3 separate people that my local branch was the only one who could access it, and to follow up with them on the next business day. Today, XX/XX/XXXX, both my wife and I attempted to meet with the branch manager as instructed. We were greeted by a regular employee who claimed he could not see anything on his end and they shouldn't have told us to come in. We called the customer service with him present and stated we were at the bank as directed and were told this wasn't the case. The rep phone seemed to act like he couldn't comprehend simple, straight forward questions as to what was going on, who was " reviewing '' it, and when we could expect to get some answers. He then repeated this to our branch rep on speaker, and requested that our branch rep take my wife 's phone off of speaker so he could tell him something privately regarding our own account. After the phone call, our rep revealed he was still learning and only 3 months into this position, wrote our contact info down for his manager who was currently in a meeting. He said that she was going to send an email to someone and attempt to escalate the issue. My main concern with all of this is that I feel I was blatantly lied to, and also led to believe that there were no issues pending my deposit of the second check. If the original phone call in regards to the first check seemed like there would be any issue, I would not have submitted the second check. Now I have anything but answers regarding my own money, which includes mine and my wife 's joint tax return, Rent due in 24 hours, my state tax return still set to be deposited into this mysterious frozen account, and what I have come to realizes is the large chance to have my only account closed and labeled as fraud. Unable to plead my case whatsoever and overall feeling scammed myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have never recieved my old Us bank Debit card. Someone had stole and activating my old US bank debit card and stole all my funds out of my account. They had maxed my card out of {$15000.00}. i have never authorize any of those fraud transactions i had disputed immediately. I contacted police immediate and had submitted a fraud report for investigation. Us bank fails to investigate this fraud activity. They have never investigate this situation for over a year. I have been waiting months for them to tell me they dont have any investigation going on or any disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have {$1500.00} in XXXX gift cards. I added a few of them to my XXXX account and to my XXXX account. When I try to pay using either of these applications using the XXXX gift card as the funding source the transaction is declined. I contacted XXXX by calling ( XXXX ) XXXX. I was told that they do not allow their gift cards to be used on these applications for purchases. I use gift cards due to safety reasons and I find this companies restrictions unacceptable. How can they pick and choose what online purchases will be accepted. These are from U.S. Bank. Inside of the package is a cardholder agreement that says nothing about restrictions for these applications. I have the receipts where I purchased these cards from XXXX XXXX of course there are no refunds on them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 251XX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A