Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: US BANK XX/XX/2023 CLAIM XXXX CHECK ACCOUNT XXXX XXXX XXXX XXXX I opened a debit card claim for merchandize not received on XX/XX/XXXX, provisional credit was made a couple of day later and now I saw that was removed. I never received any letter on my mail requesting more information or the status for this. My mailing address on file is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Also I made a call on XXXX XXXX and didnt provide any information about the case, and they only said we will call you back in 2 days. Im out of the country now so I cant receive calls of my phone. On XX/XX/2023 I made 2 purchases for an amount of {$93000.00}, it was a Smartphone XXXX XXXX XXXX each one. On XX/XX/2023 I went to the same store to buy 2 more smartphone {$93000.00}. At the moment of the purchase the seller didnt have on stock those smartphones at that store, so they will send it from their warehouse to my address, and I should get it not later than XX/XX/2023. The seller never sent any information about the shipment or delivery confirmation. I tried to reach them several times without any answer starting on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I sent money from my account to a contractor using XXXX. The phone number was wrong ( XXXX ) and so it was sent to the wrong person. That individual will not pick up their phone when called. I disputed the charge with US Bank, but they claim that the receiving bank refuses to return the money ( {$2000.00} ) so there is nothing they can do. I tried to dispute it as soon as the charge was made, and the money was unclaimed, but they refused to return the money to me and instead held a larger charge that I did not and was not disputing and sent the {$2000.00} to the wrong person after three days. This was three weeks ago and they have now stopped responding to me when I try to contact them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: U.S. Bank is not doing its due diligence when disputes are filed and providing misinformation. They have done this on multiple occasions until it was past the correct timeline for a dispute. They will claim it's 120 days from the date of purchase, but the visa guidelines is 120 days from the date of purchase or the date last expected to receive the merchandise/service but not exceeding 540 days since the purchase. They will refuse to file the dispute or will immediately reject it starting it's more than 120 days since the transaction even if it's a preorder or a subscription with multiple items being shipped throughout the year. When confronted with the fact that it was misinformation provided, they refuse to even investigate it and try to correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: SUMMARY : US Bank ( usbank.com ) offered a promotion : fund a checking account with at least {$15000.00} in 60 days and receive {$750.00} bonus. Or, fund with at least {$5000.00} and receive {$500.00}. I opened my account. US Bank prohibited me from receiving the {$15000.00} by : - Limiting the incoming transfers to between {$25000.00}, and only allowing a maximum of {$5000.00} per week. - Not providing me the bank account number or transfer information until I specifically requested it 2 weeks later. - After 5 successful transfers ( in approximately the 3rd week out of 30 days for promotional offer ), US Bank blocked my 6th transfer which would have put me over the {$15000.00} balance. - US Bank then said that the phone number I had originally supplied, and which US Bank had approved, was no longer acceptable as a verified phone number. - US Bank gave misleading information on what was required to modify my account phone number. First stating an email, then stating an email formatted as a letter with a signature, and then stating a notarized letter must be sent in. - I then requested a debit card while talking with XXXX on XX/XX/XXXX ( the debit card would get me a PIN which would enable me to modify the phone number ) and she said it would be sent to me, yet US Bank did not send it for over 3 weeks. Combined, these actions prevented me from receiving the bonus. It was wrong of US Bank to offer a promotion and then block me from qualifying for it. As soon as I was able to maneuver around the US Bank hindrances, I did get more than {$15000.00} in to the account (. I then shared my story/this information with US Bank and appealed for consideration of the {$750.00} bonus. I was told that a regional manager from US Bank who had the authority to have approved my appeal reviewed my case and refused, instead only authorizing me to receive a {$500.00} bonus -- which was not the promotional offer I had accepted and had worked to achieve. ADDITIONAL DETAILS : - I opened an account the end of XXXX and immediately began trying to transfer funds into US Bank. - I would have transferred/deposited the full {$15000.00} into the account but US Bank limited the amount I could initially deposit to a maximum of {$3000.00}. I deposited {$3000.00} on XX/XX/XXXX when the account was opened. - US Bank did not notify me of my account number or account info and I had no way to transfer additional funds for approx two week delay. Eventually a CSR contacted me ( XXXX, approx XX/XX/XXXX ) and I asked her what my account number was. I was then able to set up my online bank account. - When setting up my online bank account the US Bank website asked for my phone number. I provided my business number, which is XXXX. The phone number is a XXXX phone number and works for voice and text. US Bank accepted my phone number. - On XX/XX/XXXX I was finally able to begin making external transfers into the account. Unfortunately, US Bank limited the amount I could transfer to {$2500.00}, and US Bank limited the amount of times I could make a transfer. I would have transferred the full amount in to get {$15000.00} but was not able to. I transferred the most I could, the fastest I could : - XX/XX/XXXX {$2500.00} ( balance {$5500.00} ) - XX/XX/XXXX {$2500.00} ( balance {$8000.00} - XX/XX/XXXX {$2500.00} ( balance {$10000.00} ) - notice the one week delay here? This was due to US Bank imposing a weekly transfer limit. - XX/XX/XXXX {$2500.00} ( balance is now {$13000.00} ) After completing 1 initial deposit and 4 external transfers, I tried to initiate the final transfer of {$2500.00}. Notice that this would have qualified as 30 days from initial account opening. Yet, US Bank 's website refused my final transfer and said I needed to supply a phone number- which I previously had supplied and was in the system just fine for the first 5 transactions. When I clicked on the website to the link to provide a phone number, my phone number was already populated in my profile. In other words : my phone number was not missing. - Thus began hours of phone calls and troubleshooting. - I was told that I should have set up a personal profile to access the web site before setting up my business account. I set up a personal profile - transfers still did not work. - I eventually was told my phone number needed to be an actual mobile phone, even though the web site did not say this. - I tried to change my phone number to my personal mobile phone number but the site would not accept the change. - I was told I needed a debit card and a PIN, or to email them to change the phone number. - I sent an email to a certain email address to have my phone changed. The change was rejected. - I called in and was told I needed to email in as a letter with my signature. - I emailed in as a letter with my signature to have my phone number changed : they replied I needed to have a notarized letter sent in. - At this point I decided to instead get a debit card and PIN - On XX/XX/XXXX I called in and talked with XXXX who said she would send me a debit card. I would then have a PIN and be able to change my phone number. - No debit card arrived. - On XX/XX/XXXX, XXXX, from the local branch called to see how I was doing. I explained my problems and she checked the computer. No debit card had been ordered. She placed a debit card order for me and one arrived a few days later on XX/XX/XXXX. Several days after that a letter arrived with the PIN ( XX/XX/XXXX ). - With the debit card in hand and then a PIN, I was able to change my phone number and complete the final transfer on XX/XX/XXXX ( arrived at US Bank on XX/XX/XXXX ) - so the balance was now {$15000.00}. This was VERY close to the 60 day window. Note that a few of these days are approx. yet still accurate, because I did not anticipate having to create this level of detail about the entire situation. Some of the dates, such as the dates of transfers, I was able to get from my bank statement. Other dates I had in my notes from phone calls with US Bank employees, or in emails that were sent. Throughout the entire process none of the delays were my fault : I processed every action the day or, or, no later than the next day. Every delay was caused by US Bank. Despite the hassles and delays from US Bank I came very close to the 60 day time, yet US Bank refused to honor the promotion, even when I supplied details about the extra ordinary circumstances I had to work through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66048
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My credit card issuer Elan Financial has a habit of sitting on ACH payments for a couple of days without placing a hold on the funds. This invariably generates fees because after a few days those unprotected funds can get demolished by automatic withdrawals. The XXXX customer service representative I spoke with on the phone told me that they really only do this once someone has a late fee or returned check fee in their history. I can not think of a better way to generate returned check fees then processing payments in this bizarre way. The lady on the phone couldn't either, but she still insisted that it wasn't a hustle. I've managed to get these fees returned in whole or in part in the past but I was informed today that I'm out of luck, will need to wait for a callback from a supervisor to dispute this charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I ordered a replacement card on XX/XX/23. I received an email on the XXXX stating that the card had shipped and I would receive it in 3-5 business days. I had not received it by the following week and spoke to a rep who stated that I would receive it by the XXXX. It hadn't arrived. I spoke to another rep who stated that I would receive it by the XXXX. I explained that I desperately needed the funds on my account before then and requested that they perform a bank to bank transfer. They claimed that was impossible. The XXXX came and I still haven't received my card. They stated that they would expedite a new card and I would receive it on the XXXX through XXXX. XXXX doesn't deliver on XXXX XXXX. Their incompetent staff officially ruined my holiday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54449
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was told today XX/XX/XXXX from XXXX XXXX at the XXXX XXXX XXXX branch that the risk department would not return my verified funds and that I would have to wait for the funds to go to the state of California before I could get my funds with no reason no explanation. I dep a check from my XXXX acct XXXX and they took that money and put in a gl acct risk management did ..for no reason the check was cleared and verified. They sent me a closure date and said my verified funds would be sent back and that did not happen .now they have kept my funds in a gl acct and sent me XXXX dollars that was left over in the acct and now they are telling me to have the bank the check was drawn on to re collect the funds that would be the only way to get my funds back. This is very wrong how can us bank keep my funds when they were verified ..I have not done anything wrong but try and survive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Have a savings account with US Bank. It was just a couple XXXX dollars and it was closed about 5 months ago. I was told I would receive a check for the balance of the account but there appears to now be no communication or remittance of the balance. The account may remain closed, I am merely looking for the funds to be issued to the address on the account by check ASAP to formally complete this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Former address XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Hello : I am XXXX XXXX formerly XXXX XXXX and I have some concerns in regards to XXXX at the US Bank center location. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. I attempted to get information on why she gave me a hard time and initiate a hold and she basically got mouthy and in return I did to. I requested to withdraw money from the bank in the amount of {$6000.00}, I got provisional credits, I do not want {$6000.00} sitting in my account because of my past experiences, I started the XXXX XXXX XXXX XXXX XXXX and I am a person that give 5 or more chances to people and I dont just give up on them, I have a kind heart and love to help others and give back and people have told me I have a kind heart. I will give you all a backstory, XXXX XXXX a longtime buddy of mine I met through giving back, is a XXXXXXXX XXXX and a person that has issues, I have a soft spot for the homeless and want to give people opportunities that dont normally get certain opportunities. XXXX have stolen money from me and he has stolen vehicles from the organization and it seems like every opportunity he gets he seems to cross the only person who helps him and be there. He have done a lot to help me but they say people will show there true colors, I didnt give him permission to make purchases, sometimes people resort back to their old ways. With my disputes I have never had any chargebacks come back and a lot of times in my experience the transactions I dispute arent added on the disputes and you have to call and they dont go back to old dispute they add another one. I have {$6000.00} that can cover the amount that I was going to take out. Back to XXXX she is concerned with my account and I am concerned with her professionalism and communication skills. Every time I come in that branch, she gives me a hard time before reviewing information, she make assumptions and she claims she doesnt remember who I am. I can pay any debt I owe to the bank and had the amount to cover multiple times and I asked that XXXX take the amount out in my previous XXXX figure balance and she didnt and know she is trying to keep my account on hold not because of business, fraud concerns, its a personal matter and her ego. I yelled at her and we had a verbal dispute that got ugly and I do believe she discriminated against me. I want to request that XXXX be trained with being professional and to not take her personal ego out on me and stop my account from moving forward and ask why she didnt take any debt owed out but requested a hard hold. May you all please deal with this according and this is a violation of my civil rights, I am here to protect my account and not to have my character assassinated. I had no plans on closing my account unless I close it and reopen one that havent been compromised. XXXX XXXX moved to Mississippi within the last few weeks his mother informed me. Best regards, Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Getting a line of credit
Subissue:
Consumer Complaint: XXXX application for the XXXX loan was denied but from XXXX understanding in the federal reserve act section XXXX ( issue notes ) u.s bank received the XXXX for their bank that was on XXXX XXXX but XXXX didn't receive anything in return. Instead XXXX was denied the loan because of a low XXXX XXXX and excessive debt utilization. After reading XXXX codes that's not a reason to be denied. I only asked to retract XXXX XXXX because I don't want the bank taking out from XXXX estate and leaving XXXX with nothing in return
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A