Date Received: 2022-01-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Yes I opened a us Bank account for my small business. I had heard someone to keep track of business funding so I added them to the account well they set up direct deposit through XXXX on their own and then when I asked them to provide proof of hours work they still made sure that deposit went through of over XXXX bucks. I contacted the bank US Bank and was pretty much told it doesn't matter they couldn't help me. I feel like due to this they unjustly shut my account down which now I owe them money. I don't see how this is a fair practice for a bank to close your account after you report to them that the direct deposit was fraudulently made. As you can see with this attachment I contacted US Bank on this matter and this is their response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/2022 I need to close acct. Been on phone over 2 hrs to try to close acct. Either get hung up on, not answered, or transferred around. Worst service ever, even question if this is a real bank. I need my money back now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My business is a XXXX XXXX partnership and on XXXX one parter withdrew from our partnership. I brought the withdrawal to US Bank XXXX and went through the entire process to have her removed from all banking accounts associated with my business. XXXX, the withdrawn partner says she has been receiving notifications about purchases still. I called US Bank to have them confirm that they take her number and email address off our account as this is an absolute violation of our privacy. XX/XX/XXXX, she informs me that she is still getting notifications about spending on the account. I call to have her number and email removed yet again with the promise of her not getting notifications anymore. XX/XX/XXXX, the withdrawn partner is still receiving notifications for purchases on our account and I called yet again with the threat of pulling my business account from their bank if it is not resolved after this. They assure me it is taken care of but to give it XXXX days because of the XXXX XXXX holiday. Well, as of XX/XX/XXXX she received another notification on this account despite multiple attempts to clear her from the account and making it absolutely impossible for me to run my business with my old business partner seeing every purchase I make. This is absolutely unacceptable and I have reached out to them to make it right multiple times. This should not be happening to business accounts ( or any accounts for that matter ) and will result in me pulling my business from their bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95688
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: A few months the ago I had tried to resolve unexplained charges to my relia card for the XXXX time. I had not received any answers or any contact at all I never got statements as well and getting online to check my account was a night mare. Sadly I'm still trying to resolve charges that go back as early as XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is the email I sent to US Bank : To Whom It May Concern : I have never been late with any company for payments. When I inquired about getting a lower monthly payment with US Bank, I was forced to miss payments to get into the modified loan. However, you stated the 2 late/missed payments ( In XXXX XXXX ) would be removed from the credit report and you have not done that. My credit score dropped XXXX points and is not raising after you changed it to modified agreement. I need the missed payments removed as you promised. I never would have missed 2 payments if you had not told me to to get into the program. I could have stayed current and not messed up my score. That should not be on me to absorb those 2 missed payments. Please remove those 2 missed payments from the history of the credit report or I will file a complaint with CFPB. Thanks. My account still shows a missed payment. I was fooled and ruined my credit. I should have no missed payments on my history. I missed it on purpose to follow what they told me. XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a prepaid {$25.00} XXXX XXXX bonus card in conjunction with my US Bank rewards credit card. The card says it is. {$25.00} reward card food until XX/XX/22. When I want to use the card I discover they have charged me {$6.00} in so called maintenance fees. I think this is unfair and these fees should be refunded immediately., they said it is in the terms I agreed to I got a magnifying glass and have found in very small print that they can charge this fee. The print is so small no XXXX XXXX XXXX with poor vision can read it. I have been a US Bank customer for years and I am very disappointed that this {$25.00} card thats good till XX/XX/22 has been taped for these fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently got this loan with the first payment due at the end of XX/XX/2021. I made the payment timely. I then made an extra payment in early XXXX and enrolled in auto draft for all my subsequent payments due. I received a call on XX/XX/XXXX that my payment for XXXX was late. I told the representative that I was enrolled in auto pay and she said it takes over a month to start working automatically. How so when this is a major bank?? I said I would immediately make the payment online and some extra to get ahead. The online payment option did not work at all. It would not accept my payment and randomly deleted my bank account information only to have it reappear when continually trying to process a payment. I noted that the system was saying I owed double what was due with the XXXX due date ( over {$1400.00} ). I decided to just try and pay that anyway but couldn't even get that to process. I'm literally trying to pay more than is legally due on my contract. 24 hour customer service that is advertised on the website sends my call to a message that says the office is closed tonight. I want to pay my loan and they are making it impossible. I clicked on my account number to get the full number for this report and the website won't even load it now. This has been happening since the 10th and hold times for customer service during the day are over half an hour which I can't wait on because of my job. I'm tech savvy and have tried multiple devices and web browsers with the same result. They are intentionally setting me up for added fees and default. I work in finance and know this is not okay. Please help me pay my bill and make US Bank take the correct amount of money due. I have perfect credit and it better not be affected by this incompetent behavior by a major bank. I couldn't even email the bank in the contact section as it would not submit or enter the drop down selections. See attached images.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: The checking account was opened on XX/XX/XXXX and funded with an initial amount of {$250.00}. I applied for the account using a promo code and offer with the following terms, I expected to receive a {$400.00} sign up bonus after satisfying the terms of the offer, which I did as of XX/XX/XXXX ( 60 days ), my last qualifying direct deposit was on XX/XX/XXXX. Promo code XXXX Offer terms : sign up b/w XX/XX/XXXX and XX/XX/XXXX. Complete recurring direct deposits of 2 or more that total {$5000.00} or more within 60 days to receive {$400.00}. Payment within 60 days of verification ( which would have been XX/XX/XXXX ). Direct deposit # 1 - XX/XX/XXXX - {$2500.00} Direct deposit # 2 - XX/XX/XXXX - {$2500.00} Having not received the bonus deposit, I followed up with customer support starting XX/XX/XXXX. They did not dispute the promotion being attached to my account. They asked I wait for some time to pass. I followed up after some time and had some back and forth emails. Customer service indicated the direct deposits ( from my employer and via payment processor XXXX ) were coded as funds transfers. I provided proof of the paycheck direct deposit in the form of statements directly from XXXX. As of XX/XX/XXXX they informed me that they could not make an exception due to the way the deposits were coded, hence I am lodging my complaint here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my Elan Financial Services card or Fidelity card ( Elan Financial Servi ) is what it shows up as on my credit report. It is currently incorrectly reporting that I have a {$16000.00} balance when it should only be reporting a {$1200.00} balance. This should be the balance based on the closing date of XX/XX/2021. I am not sure where they are getting a {$16000.00} balance from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
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: I was send a flyer by a company by the name of XXXX XXXX promising that for a fee, they can negotiate a cancellation of my Time Share that I can no longer used. I went to a meeting and was convince that they can, made all kind of promises. Since they were accepting payment on my credit card, believing in the ablility of Credit Card organization to help recover fund if the merchant prove to be unreliable I agreed to pay using my cards. However, since that time, except for two interactions, all contact stopped, and despite all attempts there were no response. AT that point I contacted my credit card company, XXXX under Elan Financial. Despite the fact that the service itself was to be provided at a later date, between 12 and 18 months, XXXX is refusing to take any action on my behalf hiding behind the FCBA regulations. They are claiming that the charge was older than 90 days and there is nothing they can do. In fact, today I, one more time, called the number given on the credit card charge, someone by the name of XXXX answered but immediately told me that my dispute is with XXXX XXXX and they have no affiliation with them. Based on this interaction, I believe that the whole transaction was fraudulent and should be looked into by a goverment agency. As far as I am concerned, XXXX acted as an agent of that merchant and should be responsible for their fraudulent action. In fact, if XXXX did not legitimize them, I would not have accepted to enter into a transaction by paying cash or check. I truly believe that in case of problem I could always depend on them for a fair and equitable resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A