Date Received: 2022-02-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This is the continuing response- I should not be charged overdraft fees, US Bank says, due to these being " automatic withdrawals '' they must do so. See Below- Hi again XXXX XXXX I'm sorry we aren't able to refund additional fees unless they're from a bank error. As I mentioned before, to avoid overdraft fees, the balance must be brought positive the same day it falls negative. I found the account was negative from XX/XX/2022 until a direct deposit came in on XX/XX/2022. If you aren't wanting to open a Safe Debit account, I'd recommend setting up one of your other accounts as overdraft protection. In the future, if there were a time where a payment were to come out of your main checking and there was not sufficient funds, if you are wanting to link your other accounts as Overdraft Protection, we can automatically transfer the money to your checking account to cover the balance and make sure no fee is charged. If you are wanting to link your other accounts as overdraft protection pleas follow these steps once signed in. * Select your checking account and choose " Overdraft Options '' from the menu on the left * Select " Overdraft Protection '' * From the drop down, select your checking account and set up your overdraft protection as desired and submit Respectfully, XXXX XXXX U.S. Bank Email Operations Department
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: US Bank is making the process for creating automatic payments ( 'AutoPay ' ) for auto loans unduly and exceedingly burdensome, in what seems to be an effort to make more revenue from late fees at the expense of the consumer 's credit score. On XX/XX/2022, I got an alert from XXXX XXXX that my nearly perfect Credit Score had dropped by 32 points because I had missed a payment. I raced to my computer, pulled up XXXX XXXX, and was befuddled to see US Bank making a hit against my credit report. I immediately signed in the my US Bank account and was bewildered as I was sure I had set up automatic payments. As a busy startup CEO, I sometimes forget the details as I'm making life-and-death business decisions on a daily basis. But, much to my surprise, AutoPay was not turned on. My mind then raced to 3 months ago when I was in the same predicament, and realized I could not turn on US Bank 's AutoPay at this time due to owing a payment. Which is -- odd. Being a programmer by trade, I knew this wasn't a technical issue Memory coming back now, three months ago when this happened, I ended up getting so frustrated I made a {$5000.00} payment just so I wouldn't have to deal with it until after the Holidays. Well, here we are. No AutoPay, late fees in hand, plus negative 32 points on my Credit Report. US Bank does offer a way to download a PDF and manually put in your AutoPay information, mail it back to them, and hope that they start deducting payments on time. But when you try to actually click on the link for this PDF document, it is error 404, which is the most common error in HTTP -- a missing file. After calling US Bank and alerting them of this fact, they simply told me to try again in a few days. It almost feels like these series of unfortunate events were purposes set up to take advantage of those who are busy, forgetful, or unable to print PDF documents -- for the sole purpose of making more revenue off consumer fees. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78739
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have secured credit card from XXXX XXXX XXXX serviced by Elan Financial Services. Made ACH payments to pay credit card payment. The lates were caused by error on behalf of XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My complaint is with US Bank Visa and XXXX XXXX, XXXX I placed an order for windows in XXXX of XXXX ' with a deposit on my US bank visa for {$3900.00}, a balance of {$7900.00} was due at installation completion and signoff. In XXXX of XXXX, the installation, and cleanup began, but was never completed and signoff never happen. The lead rep on the job was supposed to return to bring screens and complete a walk through and signoff, which never occurred. We found a damaged window and a need for screens on two windows to be added to complete installation. The lead rep never returned and the only indication that i had that the job was complete from their perspective was an unauthorized charge to my credit card. This was deemed to be illegal from all sources i managed to check, including US bank reps. I have tried to contact the merchant, who did not have my authorization to charge my card, with a supervisor from the credit card company. I left a message with the merchants answering service, which was recorded by the US bank, which i never received a reply. I have been working with US Bank since XXXX, which is when i noticed the charge on my credit card statement. I have made XXXX calls to the credit card company over XXXX months without success. I was told that because i did not respond timely to an inquiry they made, which i never received, that the case was closed and could not be revisited period. Later i was told by a supervisor that this was not completely accurate ...... My complaint is the following, with both the bank and the merchant : how can you charge my account without my authorization? This is a question that the bank could have answered on day one, but they have not, so if i had an oversight of a call, which i have not, they should have been able to answer this question on my initial inquiry. Why has the merchant not been contacted to see why they charged the account without authorization? Had they bothered, i am certain the transaction would have been resolved by now. Since the merchant and i both are paying for the bank 's service, why are we not treated equally with this transaction? Am I not able to get a hearing from the credit card company? Finally, the credit card company told me, which I still did not get an answer to my original question of why, but told me that i could claim a lesser amount to dispute because part of the job was completed. I did not agree, but i capitulated in an attempt to bring closure, but this too failed as the bank never responded to this solution either, which they suggested. Final complaint, they charged me interest on a dispute, which they claimed to restore, but the never did. Why am i paying interest on a dispute?? I can provide bills, contracts, account numbers and statements at your request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not consent to, authorize, or benefit from the above-mentioned inquiries and I ask that they be removed immediately from my credit file : 1. XXXX XXXX XXXX on XXXX ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27330
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My unemployment card was being used by someone else for over a year and a half. Ive never received a card. I was trying to get into my account with XXXX XXXX for over the last year and a half due to someone else stole my identity. I finally got into my account and was told to contact the card that the payments came through and I contacted them told them the situation and they disputed the cards that the person who stole from me had used. They denied my claim automatically without even doing an investigation that was promised when I first called. Im devastated as Ive been basically lied to and now I am out of XXXX! That Ive been waiting over a year for. I havent received not XXXX payment! The bank can see that the addresses that were on file are not mine and nothing is being done. They wont even disclose the addresses to me to give the police. I literally have been robbed and the bank does not care. US bank is not following their policy or anything. The charges arent even made where I reside.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Called Customer service during XX/XX/XXXX. The reps all noted that I have satisfied the purchase requirement required for the XXXX XXXX XXXX account Promotion of 50,000 points ( {$3000.00} purchase within 120 days of account opening ). The rep sent this request for further " research ''. However, after few weeks, I received letter stating that I did not meet the requirements. Called Customer service again during XX/XX/XXXX. The reps all noted again that I have satisfied the purchase requirement and will send it for further " research '' one more time. However, it is still not resolved after several weeks. XX/XX/XXXX Account Opening Purchases Made from : XXXX {$120.00} XXXX {$2400.00} ( Purchases ) XXXX ( Credit ) = XXXX XXXX {$530.00} Total {$3000.00} I have satisfied the purchase requirement way before the 120 days, but their " research '' kept saying I did not meet minimum requirement. They have continuously ignored a detailed manual calculation and only relied on their system number which is in error by their " research '' team.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Opened account in XX/XX/XXXX. With {$1000.00} in purchases over 3 months we were to receive a {$200.00} bonus. Over 2 months we spent {$3000.00}. The account was closed in XX/XX/XXXX with no explanation and the {$200.00} bonus was not paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53704
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My XXXX credit card was transferred to XXXX XXXX XXXX XXXX in XXXX. I received an email stating that it was doing so and I would be getting a packet from XXXX XXXX along with a new credit card. I still have not received a packet or credit card. My last payment went to them via online banking on XX/XX/XXXX and I have not been able to get an account number or access to pay my account other than calling them. The first XXXX months of calling them since XXXX they stated that I was not in their system and it may take time to transition. This continued for months. I then received a letter from them on XX/XX/XXXX dated XX/XX/XXXX that my bill was approaching 90 days overdue and was in risk of losing it. I have not received any additional account information or statements since my account was transitioned. I had tried reaching out again to the number provided in the original email and they again said they couldn't find me in the system. I then called XXXX to get some assistance. The rep there called a different number and after XXXX minutes they were able to find me in their system. I am still unable to access my account online and was just sent all statements since XXXX from XXXX. I am now unable to refinance my house because of this issue as it is killing my credit. I have been transferred to a manager finally after weeks of being on the phone with their representative to hopefully find a solution. I a fully able to pay what is owed I just want them to accept the fact that I was not sent appropriate documentation in order for me to pay my bills. I have also submitted a letter with details of the lack of documents from them since XXXX and they at first said that they had investigated and it looked like they sent everything out. Well I did not get anything from them in the mail until XX/XX/XXXX and I will not settle for that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have a credit card with Elan Cardmember Service, today I discovered an excessive interest charged of {$60.00}. This is more thatn any other charges from other compaines. I attempted to resolve with a representative of Elan and what I experienced was a very nasty and unprofessional person. I have attached XXXX billing and ask that this be resolved. See attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A