Date Received: 2022-02-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: US Bank reached out with a resolution. However, their letter states to speak to the branch manager which I have done several times. He suggested to wait longer and it has now been twXXXX months. Now, he is asking for me to provide invoices for deposited checks so they can be " verified ''. These requested checks have been deposited in the account for over a year and there have been multiple checks prior from the same companies over the span of the account being open. When the account was closed, I was told several times that I would have a check sent within a certain amount of days. During this time, a " verification '' process was never discussed as a condition of releasing my funds. As time went on, the time frames for the check increased. With this sudden request with lack of explanation or reason, I do not feel obligated to give them invoices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I was checking my account online and seen an unknown electronic withdrawal pending for {$810.00} I call my bank and was sent to fraud prevention I asked him to please put a stop payment on the company and not allow this transaction to go thru .. that was successful but in turn I was paid my direct deposit {$4400.00} the next day my paycheck and went to pay my bills and my funds where put on hold both my business checking account and my savings account, I called right away and was told I need to go into a branch and they could lift the hold but there where no notes attached to my account except Do Not Remove Hold and to contact XXXX XXXX XXXX XXXX XXXX with any questions. Went directly to my main branch talked to my branch manager XXXX she looked everything up and could only send a message to XXXX so she did no response until XXXX and the response was to tell the customer ( Me ) to refer to my deposit Agreement that I signed when opening my account and that they have 30 days to review my account before releasing my funds. Nothing has been resolved I have called many more times and all I get is no one knows what to do or they can't do anything yo help me.. main branch has reached out to many upper management and to no resolve. I called again on XX/XX/2022 and talked to a man in my business banking department he said the hold was scheduled to be lifted at XXXX. I got online at XXXX and tried to withdrawl my funds and the hold was back on. Called in the morning and was told a new hold was put in place on the XXXX of XXXX. I have been given zero reasons for this hold on both of my accounts and I run a small business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is making it impossible to run my business and to pay my bills my mortgage payment is due no later that the XXXX and so my mortgage is going to be late along with all my other bills. I find this to be unexceptable and very unprofessional. There is no explanation of why my bank is doing this I owe them nothing and they are withholding my money from me. Thank you I hope you can help me resolve this. This is U.S Bank in XXXX Wa
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98902
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In 2019, I unfortunately filed for XXXX XXXX bankruptcy. This was the result of a XXXX I had, which made me incur more debt load, in addition to an inability to generate savings at that time. I did reaffirm my MORTGAGE ( MRTG ) with US Bank, but was told an internal memo prohibited reporting of MRTGs that have been included in the bankruptcy. This was news to me, as my lawyer assured me it would be reported. My MRTG is a Federal Housing Administration ( FHA ) loan, so is there any recourse that I have here? I find it a little concerning that a bank drafts an internal memo that the public can not see or is not made aware of, especially when it impacts the customer 's account ( s ). Additionally, I can not access the MRTG payment side of the online banking, which isnt a big deal entirely ; however, it does make my MRTG payment late by 5 or so days since I am forced to transfer the funds from XXXX or write and deposit a check electronically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received gift cards for my XXXX children for {$100.00} each. ( XXXX cards ) As I tried to activate the card it stated that there was no funds in the cards. I called the consumer services at XXXX And they stated that there was fraud and that they will go ahead and issue me a new card. On XX/XX/22 I received new card and activated both cards again for {$100.00} each and set up a pin per institutions. I went to XXXX in XXXX, Ca and tried using the cards and is was invalid again. I called customer service again and they said that due to fraud card was disabled. These people are frauds and they shouldnt be allowed to sell cards. I asked their company name they wouldnt provide it. The gentleman stated that they are unable to provide that information. He stated he will reload and that I should be able to use the cards in 1 hour. No consumer should go to the extend of frustration to use a card that was a gift and unable to use it for months now. This was a XXXX gift for my kids. They are purposely not allowing consumers to use the cards and that they get frustrated and throw the cards away and they keep the money. There shouldve be able to sell! They are fraud!!! XXXX info : XXXX XXXX My name is XXXX XXXX XXXX : XXXX Phone : XXXX
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: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had 35000 points on my credit card for a {$350.00} gift card, this individual hacked my account and redeemed and cashed my gift card. The rewards and credit card issuer refused to investigate as they claim I redeemed those rewards and put in the following email address " XXXX '' instead of the email that is posted on all of my accounts as " XXXX ''. Since the rewards program sent it to the incorrect email BUT was redeemed ( By the hacker ) - they will not investigate or redeem my rewards points. The email address is no longer valid as well as the website. It took me a long time to accumulate 35000 points and I am furious that NEITHER the credit card or rewards company will investigate this as a fraud issue. The card issuer is US Bank/ Rewards program XXXX XXXX I was told by the rewards people that this was redeemed at a XXXX dealership in XXXX NY, but they will not track the card # to find out who cashed it. XXXX is XXXX miles away from me! Please have them review the history of this account and notice the number times I had to file for fraud charges and have the card replaced! I have had nothing but issues with this credit card and rewards program, but their refusal to investigate a fraud issue for a long term customer is completely unacceptable. Please help resolve this issue as I have run out of options!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I XXXX XXXX choose not to contract with XXXX XXXX XXXX ( XXXX )./ XXXX XXXX XXXX XXXX Attorney for Plaintiff. U.S. Bank XXXX XXXX XXXX XXXX has committed FRAUD, i did not consent to paying extra monthly payments to cover pass do H.O.A fees. My monthly payments has increased starting XXXX XXXX by {$400.00}. I do not have a contract with ( XXXX ). XXXX XXXX XXXX, XXXX a Corporation meaning fiction. No man or woman can not owe money to a fictitious entity according to XXXX known as XXXX XXXX XXXX ... ...... I XXXX XXXX have the right to Self-determination and Human Rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Around XX/XX/2021 got a phone call from US Bank stating that both checking accounts had been restricted. He accused me of being a criminal. Once a week I would check with the fraud department in reference to the account and no response. I have made numerous attempts to talk to someone at the bank. I even had a problem changing my address, because I recently moved. I froze one of the accounts due unauthorized transactions. This was brought up by the bank that was an option that I could do. And then I got the call stating my accounts were closed due to fraud. They would not give me an explanation of the fraud charge. He said there was a transaction in the amount {$340.00} from XXXX that was turned in as a fraudulent transaction and that was the reason for closing. They have not released all of my funds to me yet. They returned {$3200.00}. They still owe me {$2000.00}. But most of all I did not do anything criminal. And want fraud off of my background. I can not open a checking now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 661XX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a non-reloadable visa prepaid card issued by US Bank National association ( " XXXX XXXX '' ). I can not either register online or use it to purchase in store. I called their customer service and they told me that they could not access to the account. There is no other way to contact them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I entered into a COVID-19 JOB LOSS forbearance program with US Bank , that began in XX/XX/2021. I did not make a mortgage payment in the months of XXXX, XXXX, XXXX, XXXX, XXXX or XXXX. Over the XXXX ( XXXX ) month period I spoke several times with US Bank, via telephone regarding the terms of the forbearance program. I was advised to call US Bank in the fifth ( XXXX ) month so US Bank could determine my options. In late XX/XX/2021 I had a phone conversation with US Bank. I was offered a mortgage loan modification, as follows : Modification terms Unpaid principal balance : {$110000.00} Payment : {$860.00} Interest rate : 3.125 % Term : 360 Maturity date : XX/XX/2051 First monthly mortgage payment due : XX/XX/2021 XXXX payment was made : {$860.00}, with {$130.00} additional principal = {$1000.00}. Note : There is no XXXX on the property at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX payment was made : {$860.00} XXXX US Bank refused to accept payment. No explanation given, other than, I would have to reapply. Numerous attempts to get an explanation have been futile.
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: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied the XXXX credit card with USBank with the XXXX miles promotion offer. The USBank not give me the promotion mileage after I spend up to the limit of required. I called the USBank customer service several time and any time they tell me different story to avoid the promotion mileage. I didnt agree with the service and cancel my credit card. Since I only used this card less then 3 months and requested the USBank to reimburse the annual fee of {$95.00}. The USBank refused my request and not reimburse the {$95.00} of the annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A