Date Received: 2021-11-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I tried to redeem my US Bank business credit card cash rewards to my US Bank personal checking account. The system keeps telling me " an unexpected error has occurred. '' I called the number on back of my biz credit card. The agent told me I have the wrong routing number and/or checking account number. I told her that I checked XXXX times already and am 100 % certain I provided the correct info. The agent told me she could not help me and made me contact the checking accounts team. I called them and that agent also told me they could not help me and transferred me back to the biz credit card team. US Bank is giving me the complete runaround here and I am tired of this back and forth nonsense. I have the correct account information, unless US Bank changed this without my knowledge, nor consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Problem with customer service
Subissue:
Consumer Complaint: I am not a resident of the XXXX and was making a motorcycle purchase from overseas. On XX/XX/XXXX I contacted the seller XXXX XXXX XXXX XXXX regarding purchasing his motorcycle. We agreed I will send him a cashier order of XXXX {$5000.00} as payment for the purchase. On XX/XX/XXXX I purchased a cashiers order of XXXX {$5000.00} from my local bank XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I sent the cashiers order by XXXX to the seller and has been confirmed it was received. On XX/XX/XXXX the seller has notified me his bank ( US BANK ) suggested this could be a scam and should use the collection method with a fee of XXXX {$30.00} to collect the funds from cashiers order issuing bank. I ensured him the cashier 's order is legit and funds will be available. Between XX/XX/XXXX XX/XX/XXXX I had kept in contact with the seller and ensure him the funds has already been withdrawn from my local bank before they can issue me the cashiers order. I had also provided prove to the seller the funds have been deducted from my bank account. The seller said he has already sold the motorcycle to someone else and has ensured me he will return me the funds once it has been deposited into his account. On XX/XX/XXXX I submitted a request to cancel the cashiers order from my local bank. I also asked the seller to provide me with the contact person at US BANK branch. On XX/XX/XXXX the seller provided the US BANK XXXX, XXXX branch XXXX XXXX XXXX contact details and also informed her I will contact her to discuss the situation. On XX/XX/XXXX my local bank confirmed the funds has already been withdrawn on XX/XX/XXXX. On XX/XX/XXXX I called branch manager of the US Bank XXXX XXXX. She confirmed the cashiers order has already been sent in for collection. She couldn't answer me why the funds have still not been deposited into the seller bank account. She said she will look into the situation and contact me by email. As of the day of submitting the complaint, there is still no contact from the branch manager. I have all the conversion records with the seller and can be provided upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: On XX/XX/2021, I called today to removed website 's information that had a credit score. XXXX said that the score was from XXXX which is false statement it is actually a advantage score from them, I asked the person on the phone from the company of U.S. bank ( XXXX ) to remove it from my web page so I don't see it, he ( XXXX ) then talk down to me using semantics just 'cause I didn't use the term that he use he was insistent in driving in the point that is the term he use was right and not what I was read right from there webpage, I called it a shortcut credit score he didn't like what I called it and was unwilling move on unless he argued that point, then I said are you saying XXXX can put stuff on my webpage your account and you can't take it off. It seems like a simple fix to me just remove it from the web page. 1. you would have to explain to me why you can not take off a credit score from your on website. After that I called back to the bank to complain and because I didn't want to be referred to by my first name he then refused to move forward with the process of giving me information on how to complain, not even using other way to confirm my identity 2. You have to explain why there is only one way to confirm a person ID on with the first name.
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: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I filed for Ohio XXXX XXXX on XX/XX/XXXX, and my US Bank Reliacard was mailed on XX/XX/XXXX. I have received XXXX weeks of payment in the form of a check, but there are XXXX weeks of outstanding payments that I am currently due and I am also going to be short on rent due to the extreme delay of the ReliaCard delivery. The website has consistently said the card will be delivered in XXXX business days, but that's been about a week now that it has said that and I have been provided absolutely nothing. I'm very concerned about making rent on the XXXX and my other bills that are due very soon after on the XXXX of XXXX. The delay of this card has caused intense anxiety and I truly don't understand why it's taken such a long time but I want an answer and an exact delivery date but XXXX and US bank haven't been able to provide me with any of that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45014
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a US Bank Debit Card, and checking account. My checking account keeps locking my card! I called in and texted the fraud number amd emailed to unlock my card! My card remains locked and the bank apparently is refusing to unlock it! Pardon my lack of proffesionalism but this frigging ridiculous I want my card unlocked, monetary compensation from US Bank or I'm going else where with my buissness as this is the XXXX or XXXXXXXX time my debit card has done this this is also the XXXX or XXXX cfpb complaint issued on this subject! This also happened when I opened by account in XXXX! As stated I called in, emailed and sent in the text reply! Your fraud system is beyond hindrance to your customers!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Currently, I bank with U.S. Bank. Based on a review of my account, U.S. Bank is withholding deposits to force overdrafts. A deposit of {$170.00} from XXXX to my U.S. bank account on XX/XX/XXXX was with held. As well as a deposit of {$210.00} was also withheld on XX/XX/XXXX. The withholding by of these deposits forced my account to overdraft. I can add more examples of where this has occurred. I have reached out to U.S. Bank ( XX/XX/XXXX ) and they have refused to help me. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: US Bank took over the CD 's I had with XXXX XXXX XXXX. When 5 of the 10 CD 's matured on XXXX XXXX, 2021, I called US bank and told them I was calling about the matured CD 's. After they told me the going interest rate, I told them to send me the CD 's. Not only were the matured CD 's sent to me, but also the 5 unmatured CD 's. When I received the checks that had not matured, I immediately called and asked what could be done. I was told to not cash the checks, but to return them to the Customer Care Unit at the following address : US Bank 24 Hour Banking, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was also told to include a note requesting the CD 's be reopened ( which I did ) and they would reopen the CD 's retroactive to the date closed. I started having conversations with XXXX XXXX XXXX phone number XXXX ) from the Customer Care Unit on XX/XX/2021. To make a long story short, she has since told me the XXXX 's should be able to be reopened ; on XX/XX/2021, she verified the checks had been received ; and on XXXX XXXX, 2021 she told me her manager ( who I later was told, by another US Bank person, was XXXX XXXX -- phone number XXXX ) was personally working on it and I should hear from her within a few days. Since XXXX XXXX, 2021, I have called XXXX 7 more times and her manager XXXX ( starting XXXX XXXX, 2021 ) 3 times asking each of them to call me and neither will return my calls. I have also called US Bank since I am not having my calls returned and gotten different representatives. One representative ( on XX/XX/XXXX ) emailed XXXX asking her to call me and another one ( on XX/XX/XXXX ) said they talked with XXXX, who told the representative to tell me she would call me in about 45 minutes, which she never did. On XX/XX/2021, which was the last time I called XXXX, I left a message telling her I was losing my patience and would have to try something else to get a response. On XX/XX/XXXX, I again called XXXX and left a message saying that since it doesn't seem they will be able to reopen the CD, I wanted to know what I needed to do to get my money back. I still have not received a call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I reported this bank once already. And how their app had a setting to allow overdraft. And that the default seeing is TO ALLOW overdrafts on a DEBIT CARD. which I feel is intentional fraud with the {$50.00} overdraft fee and the {$15.00} maintenance fee. So I changed the settings to STOP OVERDRAFTS. AND yet US BANK authorized 2 transactions that there was not enough money in the account to complete. And in believe it was a incredibly small amount over. I think under {$1.00}. BUT THEY HAVE MY ACCOUNT AT A NEGATIVE - {$83.00} for overdraft and maintenance fees. Even after I reset the default overdraft setting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021, US Bank received my completed paperwork for a Loan Modification - Partial Claim Option. On or about XX/XX/XXXX, I received a packet from US Bank with new copies of the identical documents stating that there was a problem with the original documents that I submitted. I called the lender to inquire about the problem. I was told that my signature was illegible and needed to be signed in legible cursive. I told the representative that my legal signature is on all documents submitted and that the notarized signature that is on the document is proof of such. I also asked the bank to compare my signature from the original loan to confirm its authenticity. I was told that they still need my signature to be in cursive and legible and that if it isn't that they will refuse to process my Loan Modification paperwork and the entire amount would become immediately due and reported to a credit agency. I also submitted my complaint via email to US Bank on XX/XX/XXXX. I received an email on XX/XX/XXXX acknowledging receipt of my email, however I have not received anything else regarding my XX/XX/XXXX email. US Bank has no legal right to demand that I change my signature just to make them happy. I received the bill for the full amount due in question in the mail today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and US Bank automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for US Bank reporting the loan over 120 days past due. THIS IS WRONG! I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A