Date Received: 2021-12-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My Name is XXXX XXXX XXXX I am co-owner of XXXX XXXX XXXX XXXX. We focus on credit repair to assist clients in purchasing homes, cars, as well as opening and maintaining business and whatever their credit is preventing them from obtaining. We read good reviews on US Bank small business product and was very excited to start an account with the bank. On XX/XX/2021 I opened a business account with US Bank located at XXXX XXXX XXXX XXXX XXXX NC XXXX with a small business representative XXXX. On XX/XX/2021 a letter was sent from the Account Closure Department stating they elected to close our account effective XX/XX/2021. The letter gave no explanation as to why they closed our account. I contacted US Bank customer service and was advised by a representative the account was till open on XX/XX/2021. On XX/XX/XXXX I made a cash deposit of XXXX at the US Bank ATM that evening before I went home I do not keep cash in my office. On Tuesday XXXX the XXXX I attempted to make a purchase with my US Bank XXXX card and it was declined. I went to the branch located at XXXX XXXX XXXX to discuss this matter in person on XX/XX/XXXX after my card was decline I was informed very rudely by the bank XXXX and a bank representative by the name of XXXX XXXX that the account was closed when I question why they referred me to the " Your Deposit Account Agreement '' hand book page 26 of the handbook which I read with XXXX XXXX and it did not make sense to either of us. At that time I felt embarrassed at the way I was being treated by the bank staff and manager I began to cry and ask why, at that time the manager smirked and laughed at me because I became emotional instead of trying to explain what was going on with my account. The manager treated me as if I was a criminal, I felt discriminated against XXXX XXXX XXXX XXXX XXXX and a small business owner. The manager gave me a number to contact XXXX XXXX XXXX who I was told is over the small business portfolio at US Bank. We contacted him and spoke with him on XX/XX/2021 He also treated me unfairly and called me delusional and confused and stated the account was not closed and hung up the phone. I reached out to the bank manager at the XXXX XXXX XXXX XXXX and was informed that he could not discuss my account with me and to contact XXXX XXXX. The bank also charged my account XXXX over draft fees for XXXX each which they put back after I went back to the branch on XX/XX/XXXX. I requested my balance of XXXX back and was told I would have to speak with XXXX XXXX for our balance back. I withdrew my XXXX out on XX/XX/XXXX and have a balance which the bank is refusing to release. We are a professional company with excellent reviews on XXXX, XXXX and word of mouth, we have a web page and a XXXX subscription. I know if I would have been a XXXX XXXX business owner I would have been treated fairly and my account would not have been closed. I would like an explanation as to why my account was closed and why I was treated so unfairly. I believe their actions were XXXX and discriminated because of the XXXX of my skin. I had just set up the account for my customers to XXXX their payments to the US Bank account which have cost me money to open a new business account for them to resend their payment, also I receive a wire transfer which was also denied by US Bank. This also made me look unprofessional to my customers as their payments were rejected because my account was frozen without my knowledge. I also was supposed to get a merchants account and the representative at US Bank XXXX XXXX XXXX was supposed to add the XXXX to my website for direct payment for easy access for my customers. This did not happen. I have had no insufficient funds and/or overdrafts as you will see from my attached XXXX statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In late XX/XX/XXXX, our tenant said they were closing their business and would be out of our warehouse by the end of the month. On XXXX XX/XX/XXXX, I spoke to the tenant and told him that the equipment was still in the space. The tenant communicated that the bank wouldn't provide bank info and would contact me to pick it up. Finally, on Thursday, XXXX XX/XX/XXXX, XXXX XXXX XXXX from US bank contacted me about this equipment. I communicated that I have no problem letting the bank have the equipment, but the bank will pay for the storage time to remove the equipment beginning Monday, XXXX XX/XX/XXXX. The bank has failed to provide me with a copy of the Landlord Lien Waiver that the leased space owner should have signed. I never signed such a waiver, nor did I know the tenant had leased equipment in the space. Banks are required by law to have such waivers signed. I followed up with the bank on XX/XX/XXXX and XX/XX/XXXX. Finally, on XXXX, US BANK responded on XXXX XX/XX/XXXX stated this had been turned over to a XXXX party lawyer in Texas who is claiming we're holding equipment ransom. I have sent the lawyer an emails, phone calls and certified letters. We have requested the bank pick up the equipment, and it's still in our warehouse. I am unable to lease our unit because of storing this equipment. We just want the equipment removed. How long do I have to store this at no charge. the US Bank is not taking due diligence in retrieving their equipment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As we have expressed to US Bank numerous times, we were having mortgage troubles that started from a principal amount error, that in the beginning, we hopelessly tried to resolve with them via telephone, but it was like we were using the wrong words or speaking another language when speaking with them ; and they would never give us a name of a person ( s ) in a specific department who could help us. Then the housing crisis started, and all of our attention had to be focused on trying to remain in our home as US Bank denied loan modification applications, grossly inflated late fees and tried to use default tactics to foreclose on our mortgage. So again early XXXX we went back to working on our principal amount error to learn that the matter was worse than we thought, because we learned that we are victims of loan flipping and mortgage fraud ; and with the help of CFPB as US Bank have sent paperwork trying to prove that we signed for a loan, that we did not sign, somehow we are still waiting for the money facts. A third fictitious loan in XXXX that we did not want, and did not sign is for {$130000.00} and claims that we received {$16000.00}. We did not receive it, so it is criminal that we have to pay for money that we did not receive, and the {$8900.00} that goes with it. Prove that we received this money. We want copies of the cancelled check and every piece of information surrounding that bank deposit and check being cashed. Strangely our paperwork shows that US Bank was working in concert with XXXX XXXX. So if US Bank has copies of the XXXX paperwork, they definitely have copies of the cancelled check, and all the information about what happened to the money ... correct? Please send money facts only right away, or please deduct the amount of this third fictitious loan from our principal balance. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Elan Financial services obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Elan Financial Services obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX XXXX Misaddress My Us Bank XXXX! On XXXX I Had Discovered My Card Did Not Come In A Timely Manner There Was Over XXXX Dollars Or More Took Out Of The Account ...!! I Had To Get A New Card Sent To My Home Address ... There Were Reports Written Out By The XXXX Police Department As Well As To The Company Was Informed As Well And Did Nothing About The Miscellaneous Transaction ...! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Is My New Number And The Number Associated With The Account was XXXX ....!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I called a phone number I thought was the Customer support line for XXXX XXXX ( XXXX ) to request help with a problem with my XXXX printer. The person I reached identified himself as XXXX XXXX, a technician for XXXX. I allowed him to remote into my PC and he restored my printer function. He also told me that I had several ( XXXX ) drivers that were outdated and that my network was corrupted. He offered to install an encryption program for firewall protection and to update the drivers thus providing PC security protection. He indicated that this was an XXXX product and they would provide support. I purchased a XXXX subscription for {$350.00} paid by credit card on XX/XX/2021. XXXX said the firewall protection would take 2-3 weeks to install. I was directed by him not to sign into online banking or any other financial site so they could detect unauthorized sign in attempts/activity. During the months of XXXX and early XXXX, there were several times when my internet connection was interrupted. Each time XXXX contacted me by phone ( XXXX XXXX ) to tell me that as a result of the internet disconnection, the installation process had been interrupted and would have to be restarted. On XXXX received a phone call from XXXX telling me the internet connection was lost again. He directed me in opening a XXXX XXXX XXXX account to secure the {$350.00} cost of the encryption program in case they were unable to finish the installation. I didnt know about XXXX but didnt question XXXX request because he had given what I thought was good customer service and I trusted him. Guided by XXXX, the account was set up over the phone and I did not see what he was doing or know that he was entering my bank account information ( he had hacked into my online bank account ). In all about {$150000.00} was transferred from my US Bank checking into the XXXX account. The entire time, each notice sent from XXXX or my US Bank checking account of these transactions were deleted or hidden from view on my XXXX email account ( XXXX ). So, I was unaware of the unauthorized transactions. At this same time, XXXX once again advised me to avoid logging into my online bank account or any other financial site until the encryption installation was completed. Consequently, I was unaware of the activity occurring in my checking account. On XX/XX/2021 at about XXXX, I noticed an email on my phone screen that immediately disappeared. It indicated something about a {$28000.00} transfer of funds. It disappeared so quickly I wasnt able to see where the funds were initiated or where they were deposited. I quickly logged into my online bank account to find multiple withdrawals from my checking account. I immediately called US Bank Fraud Liaison Department, reported the fraudulent transactions and closed both of my active checking accounts. On XX/XX/2021, I notified XXXX of the suspected fraud and had the account frozen ( XXXX XXXX # XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Letter received verifying the new application for a US Bank checking account on XX/XX/XXXX. We called the number on the card to dispute the opening of the account. No good resolution was reached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: ( I was unable to find an option that matched my complaint, so I chose the one that most closely matched ) Due to a mistake by US Bank, I have been unable to drive my car XXXX since XX/XX/XXXX. In early XX/XX/XXXX, I applied and was approved for an auto loan for my XXXX XXXX XXXX ( lease buyout ) with the US Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. After signing the paperwork and getting the loan funded, I thought the process was completed. However, unbeknownst to me, US Bank had instructed the previous lienholder, XXXX XXXX, to mail the title to their back office instead of me to start the title transfer process. I was not informed of this development, assuming that as usual, I would be mailed the title directly and complete the process, along with paying taxes, fees, and registration, at the DMV. In early XXXX, I attempted to renew the registration of my vehicle at a DMV Kiosk, but I encountered a strange error. After a few visits to the DMV, I found out that in fact I would not be able to renew my registration at all due to an in-progress title transfer, and the only way to finish the process would be to bring the title to the DMV, along with the bill of sale and loan documents. At this point, I reached out to XXXX XXXX and was informed that the title was in fact delivered to US Bank on XX/XX/XXXX, and that they should handle all the paperwork. After a few months of radio silence, the XXXX XXXX US Bank branch reached out to me on XX/XX/XXXX and asked me to sign the title, as well as pay taxes on the title transfer. I did as instructed the following day. My vehicle 's expired registration had already amassed hundreds in late fees, and I inquired as to whether these could be covered, but was informed that this was up to the back office. I further inquired as to when the title transfer process would be completed, but I was again informed that their hands were tied, and that this was all up to the back office. No one I spoke with at US Bank offered any hint of accountability or even willingness to help solve my problem. I called both the branch and US Bank 's main customer service line numerous times over the past few months, but each time I was told that the best they could do is send an email and get back to me. Not a single employee of US Bank or their call centers has ever followed through on their promise to call me back. XXXX XXXX of the XXXX XXXX US Bank location claimed repeatedly that this error was not caused by him, and he too was at the mercy of the back office. When speaking to other customer service representatives and asking to speak to this " back office, '' I was informed that they were an internal team and not contactable by the outside world. Calling in weekly for status updates, I was repeatedly informed that the back office had not yet received the title from the branch. Furthermore, every agent, despite what I can only assume to be copious notes on the account, appeared oblivious to the fact that the branch had even sent the title back out, for there was no internal documentation regarding the matter. To add insult to injury, I even received a letter from US Bank in XXXX asking ME where the title was, and that I should send it in if I had received it in error. This complete lack of organization was frankly appalling. In my most recent communication with US Bank on XX/XX/XXXX, I was informed by a supervisor that the title had yet to arrive at the back office, and in fact he had no access to any information as to where the title might be. I practically begged for any ability to escalate the issue and talk to someone who might be able to actually help me, for I had now been without my car for several months, but alas this was not possible. As with every representative before him, he sent out an email to the " back office '' and promised to call me back. I later sent the attached letter, which contains more information, to the CEO of US Bank, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a XXXX XXXX credit card issued by U.S. Bank. My card has been inexplicably been declined over 3 times. The app wont let me log in due to technical difficulties. I called them and was on hold for over 20 minutes. I am not sure what is going on but hope someone can give me some answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First : basic information, I complained to FDIC case # XXXX who forwarded the complaint on to the Consumer Finance Department. My complaint is against U.S. Bank Home Mortgage, address : XXXX XXXX XXXX XXXX, MN XXXX ; XXXX. I refinanced my VA loan XX/XX/XXXX with the understanding that I would be receiving the monies from the escrow account from U.S. Bank within 25-35 days of closing. I called the bank approximately XX/XX/XXXX to inquire about the funds. I was informed the check was mailed XX/XX/XXXX. Due to the XXXX holiday, I waited until XX/XX/XXXX to call again. I was quit upset I had not received it as this was part of the reason I had refinanced. The bank agent XXXX I talked to put in a cancellation on the check, and request to cut a new one on XX/XX/XXXX, and mail it to me. I requested the check to be delivered overnight, this was denied. I called back on XX/XX/XXXX. I requested to talk to a supervisor. To get to a supervisor I addressed XXXX, XXXX, then XXXX. I explained the lateness of the check, the hardship it has placed on me, and my request for either overnight or expedite mail. The response, We do not overnight checks, and this situation is not our fault. I did plea to the fact that since being an U.S. Bank customer, I was never late in payments ( I had automatic bank withdrawal ) and should the table be reversed, the bank would be charging me penalty interest and reporting me for late payment. XXXX suggested to take my issue to post office for lost mail. To date I still do not have monies due. Why am I held accountable for my debts and to pay on time as a single individual and yet industry is not? Next time can I say the check is in the mail and its not my fault?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76226
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A