Date Received: 2021-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. Customer service at US Bank indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through US Bank onXXXX XXXX, 2021 One credit card applied for online through XXXX XXXX on XX/XX/2021 2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To whom it may concern, I applied for a platinum US Bank credit card, they asked for further information which I send them through fax. My driver 's license, my social security card, XXXX banks statements from XXXX different bank account. Thry said that they still couldn't verify me. Called them and they didn't provide me with any information why I couldn't get verified. Since I have send in all this sensitive information and they can't verify me I don't want to have a credit inquiry on my credit report. They will either have to provide me with this information or I have to file a police report. Please advise. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am a customer at XXXX XXXX that used to have a banking account with state farm. XXXX XXXX bank converted my checking account to US Bank. I had to have a US Bank account because of an auto loan and it was used to transfer funds from one checking to their checking to pay the auto loan. Auto loan is still with XXXX XXXX, and XXXX XXXX is not at fault here. My complaint is with US Bank. The minimum was to have {$25.00} in my account, which is what was opened with US Bank. I don't need or want that account. I received a statement where US Bank charged me a {$2.00} paper statement fee and then charged me a {$5.00} dormant service cha for my account. First, I was never told I was going to get charged a fee for not changing to paperless. And second I was charged the dormant fee without being contacted that I was going to get charged that. I called and closed out my account immediately but they will only send the remaining {$17.00}. How can a bank get away with all these fees without communicating?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I wrote a check to XXXX XXXX for my water bill. I made a mistake writing the check and wrote {$1000.00} in the number part and wrote {$110.00} in the number part of the check. Banks are required to use the number part of the check. XXXX XXXX processed the check with XXXX Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX at XXXX bank and was told I was correct and the {$110.00} amount should have been the correct amount. She stated XXXX bank processed the check thru US Bank XXXX XXXX XXXX XXXX on XX/XX/2021 and was told they could not find the money. I have spoke with XXXX numerous times and keep getting the same story. It appears to me as if US Bank and XXXX bank are being evasive about refund my {$910.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81504
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I submitted a fraud claim to my bank for non authorized transactions made with my lost debit card. They provided me a provisional credit during the investigation. After some weeks I saw those credits being cancelled without any letter or comunication from the bank explaining the situation. So I decided to call them and they told me that the reason for denied the claim is because " I made business with them before '' situation that is totally false, Investigating this further I noticed that the " charge name '' is not the store, is the payment processor called " XXXX '', so I had more transactions with that name so the bank thinks that XXXX is the name of the merchant. I explained them this situation that XXXX is a payment processor and not the merchant name, so they reopened the case, also requested to submit a police report and since then my account is overdrawn without any solution for this issue. I submitted all I was requested to the bank and even that they didnt do what they need to do to solve this fraud claim. The original claim was submitted on XX/XX/2021 with the number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment ( with consent of my spouse ) of {$1000.00} on XX/XX/2021 as per the XXXX XXXX generated by US Bank. The checking account used for making the payment is in my Spouse 's name. XXXX allowed me to payment without prompting any warning and/or error during the payment process. Also, system allowed me to add my spouse 's account as External account for making payment. All of a sudden now, US Bank decided to close my account and forfeit all the Rewards due ( {$500.00} promotional offer after spending {$3000.00} in 90 days ) since only cardholder 's checking account can be used as per Authentication department of US Bank. This is not acceptable - my spouse is not contesting the payment then why US Bank is having an issue. I use my spouse 's account for making payment for my other credit card like XXXX- they never raise an issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 I was advised the US Bank intended to close my personal account ( XXXX ) and was told that their Loss Management Department would have clear it first ( 2-4 weeks ). After being notified I asked them to cancel and return an EFT deposit in the amount of approximately {$5600.00}. Their Customer Service department told me it was rejected on XX/XX/2021. The branch stated the same. I have a recording of that conversation. I later discovered that it was not rejected but instead deposited and placed on " Hold pending Closure '' with no estimate on the date of closure. That is unacceptable as all funds deposited were by wire transfer from my Fidelity account and are now being held by US Bank pending their review. When I call the branch, they hang up. When I call the XXXX number, they refer me to the branch. The branch manager is using personal animosity to delay my access. As a result, MY businesses will no longer accept US Bank branded products for payment, per the sign at the registers, stating that " We have no faith in the integrity of US Bank. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81212
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This morning I checked my checking account and found that there were funds taken from my account twice - once from the previous month, and this month - services I already paid for, and that were deducted from my account on the days they were reported. My account, on the days in question had about a thousand dollars in it, enough to cover XXXX bills and payments. These are not accounts that have my account information, XXXX XXXXXXXX, XXXX XXXX, or XXXX XXXX. I went into a US bank branch to stop them from allowing XXXX to take money out of my account, as I'm unable to reach anyone from XXXX, to have them fix the issue. Here 's the crux of my complaint. A bank can not charge your account twice for services it's already allowed to be taken from your account. I want my money back, and If this persist, I will file a civil suit against USBank corp.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On the US Bank, it shows that we have around XXXX in available credit. but when we try to use it it keeps on being denied. When I called i was advised that the payment is still processing. Yet when I a payment is made it states that payments from US Bank checking accounts are processed immediately. Today XX/XX/XXXX my employee tried using the card at a hardware store in XXXX XXXX. It got declined. The purchase was for {$50.00}. On XXXX XX/XX/XXXX when I spoke to reps they both advised that the payments have not gone through, yet the XXXX on the app still showed we have XXXX available. Because of this deceveness we ended up using the our debit card and had a purchase of XXXX. Our vendor advised us that the debit payment had not gone through. But now our funds are tied up in a pugatory in which we dont have access to it and our vendor did nit get paid. To add insult to injury, not we are being charged overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. Spoke to Bank representative mid- XXXX, discussed end of forbearance options. 2. Was explained the deferred option and was given the interest rates and payments. 3. Was suggested to select deferred option but delay finalization until end of month to see if other changes or options may become available. 4. Called back on or about XX/XX/2021 to get update on program, was told I was not eligible for deferred program. Called on Monday, XX/XX/XXXX, was on hold for 1 hour then disconnected, and called next day. 5. Resumed automatic payments on XX/XX/2021, Payment were returned, received notice that I must make all forbearance payments. 6. XX/XX/2021 received notice from my bank stating the XXXX payment was returned,
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: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A