Date Received: 2021-10-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2021 I made a purchase with XXXX in the amount of XXXX which posted out of my available balance. Although US bank stated that their banking app operates on real time ; they never reflect the same information at any given time. Attached are two screenshots ( evidence ). This banking institution have been robbing my children and I. By inputting fraudulent information into their technological algorithm ; against our POSITIVE balances. This ultimately caused hardship. As a result it is DIFFICULT to make ends meet.. I was able to prove it this time however, how LONG has this criminal activity been taken place ; against my children and I, by this banking institution?!?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank force place Homeowners Insurance on our home 14 months ago saying it was due to a lapse in coverage. We supplied them proof of current coverage, and new coverage that we paid in advance. We faxed them the proof of coverage, we emailed them proof of coverage, we sent it to them certified mail. We called their insurance department and they verified that they received the information from us, but that they didn't know how to stop the charges on our mortgage statement. We received a letter in the mail stating that they received proof that our coverage has expired, which means that they have proof of our insurance policy. We renewed it last week. Only way they would know it expired is if they had the policy. XXXX is the number for the insurance department We've paid {$180.00} + for 12 months on top of our mortgage. {$2200.00} that we're owed that we can't have an intelligent conversation with anyone there. We would love to talk to someone but everyone says " we don't handle that ''. Insurance says they can't see what our payments are, Customer service shows that the additional amount is being paid but Insurance AND escrow need to approve the reduction, Escrow says it's Insurance that needs to ok, but they can't see what the actual amount is. They are stealing {$180.00} per month from my children and holding my credit hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/21, around XXXX, I withdrew {$1000.00} cash from the US Bank XXXX XXXX XXXX XXXX XXXX MN ) from my US Bank Relia Card Account. I have to do this because the XXXX XXXX online bank transfer function is down. I then deposited {$900.00} cash into my US Bank personal checking account at XXXX. The ATM machine accepted my {$900.00}, all {$20.00} bills it had just dispensed to me ( I put {$100.00} in my wallet ). It then dispensed a " receipt '' stating a machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items. '' I called that number several times from two separate phones. It would ring, then say this call can not be completed as dialed. I called the US Bank 24 hour customer service line and received the same message. I called the next morning and was speaking to a representative. I asked to be transferred to a supervisor, and she hung up on me. I physically went to the bank, and the bank manager, XXXX XXXX, who I could see eating a XXXX sandwich through the glass office door, had her teller inform me she did not have time to deal with it. She did not even have the courtesy to open her sliding door or speak to me, despite the stress caused from having {$900.00} taken from US Bank. I went to her office and told her I was unable to get through the prior night on the phone, and her response was " I could get through right now. '' It was the worst banking moment I have ever had. As of now, I was neither returned the {$900.00}, nor was it credited to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55418
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Thank you for letting me share with you my extreme disappointment with US Bank. I used the above account to only transfer funds every two weeks to my ex wife. The amounts have varied becoming less since my divorce was 12 years ago and did not include bonus payments. My divorce decree ended on XX/XX/2021 and there was only XXXX cents in the account. It was to my great surprise to receive notification on XX/XX/XXXX that US Bank went into an overdraft line of credit to wrongfully transfer {$2100.00} to my ex wife against my wishes. I never set up overdraft protection on this account and had the experience with this account in the past that if I did not have enough money in the account that I would receive an angry message from my ex that she did not receive her money. After made aware of this mistake, I spoke to various people at US Bank requesting that they claw the funds back because it was one US Bank account to another US Bank account. I was told by XXXX XXXX NMLS XXXX to speak with the branch manager, XXXX XXXX NMLS XXXX. She was extremely unhelpful and provided me with a pamphlet, Your Deposit Account Agreement effective XX/XX/2021 and stated that US Bank had the authority to place overdraft protection. Again, I opened this account 12 years ago and would never have agreed then or in 2021 to provide overdraft protection on this account. I also spoke to XXXX XXXX, my corporate personal banker who also stated that there was nothing that he could do to rectify this situation. I have been a US Bank client for the past 27 years and could not believe how dismissive each and every interaction that I had with these representatives of US Bank. After being threatened with overdraft fees and collection agency, I decided to close the account with XXXX XXXX on XX/XX/2021 and paid the amount of {$2100.00}. It is my viewpoint that it cost me {$2100.00} to do business with US Bank and will do my best not to find myself in the same situation in the future. Thank you for reading to the end. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55305
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2021 I made an online purchase of {$10.00}. Later, I realized that Elan Financial Services that manages my credit card through Fidelity Investments charged me a " cash equivalent fee, '' of {$20.00}. On XX/XX/2021 I learned that I am being charged minimum interest fees as well of {$2.00}. Sometime last week, I called the credit card company to dispute the charge and was basically told to go and fly a kite because I should have known that the charge was considered to be an online casino. When I made this online purchase, there was no warning that this would be considered a cash advance. I find this practice to be misleading and borderline fraudulent. As such, I urge the XXXX to launch an investigation whether Elan Financial Services knowingly " hides '' information in order to be able to charge ridiculous fees - imagine {$10.00} purchase, receives {$20.00} fee, plus {$2.00} continued interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After reviewing my credit report, I noticed Elan Financial Service company pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
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: XX/XX/2021 I closed the balance to my XXXX XXXX credit card on presumption the account would be closed XX/XX/2021 The still open account makes a purchase. I can neither give you the exact date or what the purchase was nor the amount of the purchase. Both XXXX XXXX and US Bank refuse to give me a statement because neither of them have access XX/XX/2021 XXXX XXXX sold the account to US Bank. XX/XX/2021-Present day XX/XX/2021 US Bank charges late fees with no attempt to contact. XXXX XXXX I check my credit score to see that US Bank has reported late fees. I contact both XXXX XXXX and US Bank. They both say I can not dispute charges because they dont have the statements. They have to request a statement to be mailed to me. XXXX XXXX I received my first statement and bill. There is not information on the disputed purchases, just interest and late fees. XXXX XXXX I received my first voicemail contacting me to pay. I call and they tell me I need to put in another request for the disputed charges. All the while they keep charging late fees/interest and ruining my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to understand why this company has not applied over {$4000.00} that i have paid onto my mortgage which is still stating I am behind for almost a year. I have bank statements from XXXX that shows payment every month since XXXX when i purchased. I was put into a forbearance without my approval. Every time i call I have been told they can not tell me what is going on. They will not allow me to speak to upper management. The mitigation department has told me i do not have to pay XXXX payment but i have to pay {$500.00} which is not true. I called my lawyers and they directed me to file a complaint against US Bank mortgage. They have my account so disturbing and confusing and no one is trying to address the issue. I had a representative tell me out of frustration on her behalf that their systems are talking to one another. I refused to pay any further mortgages until this mess is straighten out. Every department tells me something different and i have no idea what is going on. My attorney has sent authorization for them to speak with me and still no assistance is given. This bank has me very XXXX. It appears that maybe fraudulent is occurring. Please Assist!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I tried to buy a XXXX pound XXXX coin for my coin collection. They shut my card off stating I broke the rules by trying to buy money. The denied me access to the web page so I can no longer make payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A