Date Received: 2022-02-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I don't entirely know if this complaint is going to the right place but here goes. I got a text message at roughly XXXX XXXX on Friday, XX/XX/XXXX stating the following : USBANK : Your bank account is temporarily limited due to suspicious activities, visit XXXX XXXX XXXXXXXX for account verification. I did not open the link. This came off as immediately suspicious because I don't bank with US Bank. This is clearly a scam/phishing scheme and I just wanted to report it. 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: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2022 I made a reservation for XXXX totally XXXX which includes XXXX in insurance. shorty afterwards I canceled the flight and insurance. I was toldthat my funds would go back to my card immediately because the funds where never transfered to the airline 's system.I called XXXX XXXX XXXX days later to file a dispute, I was told to contact XXXX because they have a 20day hold on my account and since the charge is stil lpending I can not disputethe charges, I have called XXXX several times and they said the hold up ison XXXX XXXX card. Today whenI call XXXX XXXX confirmed what XXXX said that the funds where never transfered tothe airline and the hold is on their end, but they refused to release my funds. I have spoke to several supervisors whohavehung up on me. i have requested for a manager to callme on several occassions, I'm been told that theres no manager only CSR and supervisors.I have asked several times to have a ticket submited for a call back and I have been denied. Because of these people I wasnot able to have all of things moved out of my old apartment and into my new apartment. I was being charged {$140.00} an hour, so still today I have things still in my apartment that needs to be moved and the landlord is still charging everyday that my things remain in the apartmentandthe garage.I am physically not able to move the items, due tothe factthat I was being charged i was trying to move as much myself as I could and I have been in bed for the last 2 days because of the pain.The bank has no reason tohold my money except for the fact they want to. I suppose they are making interest no matter how small the amount, I'm sure when they hold enough ofthe consumers small amounts for 20 days they have some kind ofbenefit other wise they would not be holding it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against US Bank for its inappropriate behavior which violates consumer 's right. CFPB notified that the company has 60 days to provide the answers. US Bank did not provide any answers. It is more than 60 days. US Bank even reported to CFPB that it is researching the issue and will submit a report. Where is the report? Why did CFPB close the complaints without an investigation? US Bank is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Continue to not receive any cooperation from US Bank on receiving my {$25000.00} from the account they closed without provocation. Have traveled to branch bank where manager XXXX XXXX works & continue being denied access to my funds. My next step is to contact the Kentucky Attorney General and filing a complaint with that organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have open a checking account at US Bank branch of XXXX and also a credit card with online banking but unfortunately I have been a victim of scams after that US Bank closed my checking account and I am unable to access at my online account even for my credit card so I am trying to fix this issue with US Bank. They didn't accept my request. Now I need to have acces to my credit card transactions but I can't, I must make a call each time and I loose a lot of time to follow transactions and payments. I would like to reopen my online banking with my credit card.How may I do and proceed.thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/XXXX of this year my unemployment agency had requested a card from relai card/ US bank services for me to receive my unemployment benefits on. Online it states that the card should be received within 3-5 business days. On the 6th business day I called the company because I have yet to receive my card they told me that it will take 10 business days due. I said okay well on the 11th business I still havent received my card so I gave them a call back. During this time they told me my card was in the mail.On XX/XX/XXXX I contacted the company again on this day they told me my card hasnt processed and that they would issue me out another card which would be expedited shipped and I should receive it within one to twXXXX business days. Every time I called I got a different answer and no one can tell me why my card hasnt even been shipped. It is now XX/XX/XXXX almost a month later and I still dont have my card. I have bills
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I made a deposit of {$7000.00} from a sale of a motorcycle via mobile deposit with U.S. Bank. On XX/XX/XXXX, I was notified via email that the deposit was accepted and they released {$220.00} of those funds, pending verification of those fund. I checked my online banking account to verify that the {$220.00} was there and it was. The available balance was near {$0.00} at that time so any transactions would have been declined as I did not set up overdraft protection. I went out to eat and there was a second purchase that went through and mostly took from that {$220.00}. On XX/XX/XXXX, I noticed my account was negative. I went in to look at details and found that the {$220.00} was removed and I was charge overdrafts for my two transactions. After working with the bank via phone, they said that the check needed further security checks and had to wait XXXX business days. They could not explain why {$220.00} was released as they did not see it. On XX/XX/XXXX, I explained what happened and was basically told that I was lying as there is no evidence of the {$220.00} ever being released. I explained if that {$220.00} was not there, that my two transactions would have been declined. I closed the account because I feel I was extorted for those two overdraft fees and an additional extended overdraft fee because of those as well as making me look like I was lying as there was no evidence outside of my email, that says there was {$220.00} released from that deposit. Unfortunately, the only evidence I have is of the email, because I do not think to take a screen shot of every bank transaction and would not know that the bank would remove evidence of releasing such funds, they made the funds release look like it never occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a Mortgage with US Bank. I use there online payment system to make my mortgage payment. I Like to have serval months of mortgage payments paid in advance. so I pay in advance in case something happens and i cant make the payment. In the past this was not an issue with the bank, but NOW it is for some reason I have had st spend several hours on phone correcting this issue with them and they have still not resolved the issue. When i make an EXTRA payment on my mortgage it does not show that i made an extra payment after the payment has processed like it use to in the past. So when I call they tell me that the payment was put to 100 % of my principle. Which it should not have been. This makes it very difficult for me to keep track of the actual principle and interest on my account. It also effects my taxes because in my payment I pay my taxes to the bank and then they pay it to the Tax collector when it is due. This has also caused issues when they pay my taxes in the past which has made me pay penalties that the bank should have incurred, not me. If they cant do their job that is not my fault especially when i have no control when the money gets sent out. It also could potentially make me late in my payment if I did not know this, not to mention is against the law. I would ask that this gets resolved with this bank because by doing this they are creating false Financial Accounting which I would assume helps the bank get more money for loans which is Against the law. This is not to mention that it makes it very easy for them to ACCIDENTLY continue to make this mistake and it makes it harder to keep track of my actual payments that are made and my Principle, Tax and Balance of my mortgage. Please address this problem with this US BANK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had been searching online for an engagement ring for months, and found a reputable company that had stellar reviews and seemed like the best option. So now that I made that decision, on which company to go to for an engagement ring ; now to choose the ring. I put together the setting, the diamond and then other options associated with the ring and it came to a total of about {$9800.00}. I obviously didn't want to let my soon to be fiance to see the purchase and so I wanted to put it on my credit card that had a limit of {$10000.00}. I had more than double that amount in my joint savings account ( that was with the same bank ) and about half of that in an account at another bank.. The transaction ( not surprisingly ) was blocked by fraud, so I contacted them to allow the transaction and get the process going for my ring. I got the run around, I spoke to about XXXX different " fraud specialists '' in XXXX different " fraud '' departments at US Bank. All telling me that I needed to speak with this OTHER department. Turns out, from one fraud specialist, that US Bank doesn't like people buying jewelry on their credit cards. So they closed my account, no questions, nothing. They just closed my account, I have worked for years at rebuilding my credit, and this was not a new account, and now they closed my account. AND I had over {$200.00} in cash back that I didn't cash out yet, that now they're keeping. And now they say that they can't reopen my account, that I would have to reapply. This is ridiculous, I understand that a bank can close an account at their own will, but there has to be some sort of protection on this. All because I tried to buy a piece of jewelry, and that is not in any of their customer agreements, not to mention that I had more than double that in a savings account at the same bank. This is going to hurt my credit, this was my largest credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX I wrote check number XXXX for {$100.00} to XXXX XXXX. On XXXX it was cashed as check number XXXX. On XXXX it was cashed again as check number XXXX. I first called US Bank on XXXX. I was told I would receive paperwork I never received. I called again on XXXX and spoke to XXXX. I was told it was a double posting and I should see the money in my account in XXXX days. On XXXX I called a third time and spoke with XXXX and XXXX. I was told a fraud case was opened and I would receive paperwork in the mail. I never received the paperwork. On XXXX I went to my US Bank and met with XXXX. I was told it appeared both a double posting and a fraud case were opened. Both times more information was requested by the company, although no one requested more information from me. Both times the requested information was not received and no one followed up or contacted me. On XXXX I left a message for XXXX wanting to know where the case stood. I received a message back saying it was being worked on. On XXXX I returned to US Bank and spoke to XXXX who opened another case and said the money should be in the account within XXXX days. I then asked to speak to the manager, last name XXXX, and requested the money be placed in my account now while they continue to investigate. I was told that was not possible as " debits have to equal credits! '' and told I should see the money in my account in XXXX days. I don't believe them anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50014
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A