Date Received: 2022-02-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have sent US Bank documentation showing my debit was paid off and they are still showing my account as open and owing money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2020 US Bank took {$4300.00} from my checking account # XXXX stating there was suspicious activity because of a bank transfer my daughter sent me of {$5000.00}. It has been XXXX year and XXXX months the fraud investigation has been done for a year and me nor my daughter have not received any funds back from US Bank. I have spoken to XXXX XXXX XXXX the branch manager from the XXXX Ca branch. She informed me that US bank has tried to return the funds back to my daughters account which was false US Bank never tried to return the funds. My daughter was then told by US bank to file a claim with Bank XXXX XXXX to retract funds so she filed a claim and XXXX XXXX XXXX told my daughter that they have no record of US banks request to return the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I filled a complaint and concerns with U.S. Bank and there negative practices towards their customers. I spoke to one of their supervisors name XXXX. She made the problem worst. Without my permission she decided to close both of my U.S. Bank and XXXX credit cards. I did not authorize this. I have recording to back this up. I was not allowed to use my cards. Later on I received two letters from U.S. Bank stating both of my accounts were closed. When I called U.S. Bank a representative stated both accounts were closed, but someone at the Bank reopened both accounts a few days later. For their I apologize they offered me {$50.00} reward card. I explained to them I did not want it. They tried to force me to spend it and I said no. I found out today, XX/XX/2022 someone added money to my rewards account of {$50.00}. I explained to U.S. Bank I did not want the money because they were trying to bribe me. Also, because of tax purposes, I did not U.S. Bank illegally adding and deducting money from my credit card accounts. XXXX has been illegally tampering with my accounts, and it needs to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
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: The following charges appeared on my account : {$2900.00} - XX/XX/2021 {$4200.00} - XX/XX/2021 {$1400.00} - XX/XX/2021 {$95.00} - XX/XX/2021 {$70.00} - XX/XX/2021 {$17.00} - XX/XX/2021 I reported these fraudulent charges to the company, and they reported that they believed the charges were valid. I requested rights to evidence used during the investigation on XX/XX/XXXX, as well as the opportunity to speak with the investigator. I have not received this information, and I have not been given the opportunity to speak to the investigator. Furthermore, they will not give me the phone number of the investigator, and they ask me to leave a phone number, which the investigator will call back, but he or she never does.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I leased, with the agreement to purchase in XXXX years a XXXX XXXX XXXX XXXX in XXXX of XXXX. The lender is US Bank. As part of the lease agreement the lender was to send a current registration to me annually in order to renew my vehicle license tags through our local license bureau. The process began in XXXX of XXXX when we failed to receive our current registration in order to renew. US Bank customer service representatives and legal representatives continued to dismiss our requests and complaints and as of today, XX/XX/XXXX I still do not have my current registration. I have been unable to move my vehicle from my garage since the tags expired in XXXX of XXXX. I am receiving no cooperation from this lender, US Bank, although I continue to make my timely lease payments each and every month. I would greatly appreciate some sort of assistance so that I can drive my vehicle legally. THANK YOU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received an undated letter by US Mail on XX/XX/XXXX, from Cardmember Service ( Elan Financial Services for Fidelity Investments ) XXXX XXXX XXXX XXXX ND XXXX. " To keep your [ Fidelity Visa ] card open, make at least one purchase by XX/XX/XXXX. '' ( [ sic ] XXXX of last year ) Elan Financial contacted me only by regular US Mail ; they admitted not attempting to send email nor call me by telephone before cancelling my Visa account. ( They certainly have all my contact information through Fidelity. ) The actual Fidelity Visa credit card shows its expiration date as XX/XX/XXXX, but the account was closed by Elan Financial last year because I had not made a purchase in 24 months. I have had this same card since XXXX with a {$31000.00} credit limit ; I used it for emergencies ( life events ). There were certainly longer prior periods of disuse, so theirs can only be a brand new policy. I spoke with Elan financial Services on Sunday XX/XX/XXXX, and spoke with Fidelity Investments on Monday XX/XX/XXXX. Because I was not able to respond to their paper letter within 30 days, Elan Financial refuses to reopen the account nor will they agree to issue a new Visa card with the same credit limit. The only path forward they offer is to reapply for a credit card, with no guarantee of achieving the same credit limit. This is not merely an inconvenience. I have depended on this card to pay for things like a funeral and a cemetery plot ; things in life you can't plan for. Elan has rendered me insolvent, and has negatively impacted my credit rating. Further, Elan Financial closed this Visa account without my authorization, even though my several other Fidelity accounts were active.
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: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called five times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXXXXXX monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. I was informed that my account could not be reopened, with no other explanation or options. Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been $ 58 monthly. I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. That is why I filed this complaint. US Bank responded to this original compaint XXXX with no explanation. They only sent me two attachments of all my monthly credit card statement. They did not address any of my issues.
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: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2022, I called to make some corrections to my account the person on the phone picked up the phone took it off the hook, and I can hear the person working on the phone at the office instead of saying anything the person is leaving the hook off the phone. I have a I encountered this XXXX XXXX XXXX they usually do this often, I was a patient there somebody called and the person picked up the phone and left it off the hook and this is what U.S. bank is doing this morning time now is XXXX Am Central it reflects back on the company ah I demand apology for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: On XX/XX/2022 I started a fraud dispute for XXXX XXXX XXXX XXXX because I never received this card and I found out that someone fraudulently spent all the funds in the account. Per federal guidelines and my understanding is that the company must resolve the dispute within 10 business days and if they are unable to resolve the claim within 10 business days then they must issue a provisional credit while they investigate the claim. Well the company is still investigating my claim past the 10 business days and they are refusing to issue my provisional credit. To my understanding that violates federal mandates and guidelines that must be followed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I got scammed, i sent {$650.00} to XXXX XXXX on XX/XX/2021 and on the XXXX receipt for the transaction it says, this payment is to investigate my sister XXXX XXXX. I never received anything from this man so i first tried filing with XXXX but they are helping the thieves because they first said they couldn't help because it was a transaction among friends then when i pointed out what my receipt says they just ignored me. I cantacted us bank and they refused to do anything stating they had no proof that this money was for services, i sent them the receipt and called them over and over. In the end they admitted the only reason they wouldnt refund my money was because it went through XXXX and they knew XXXX wouldnt help me
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: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A