Date Received: 2021-08-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This whole experience with this bank has been Horrible from the opening process with my deposit they never issued out my debit card as they told me then someone from their Customerr care dept calls me to say they forgot to issue one and they would overnight me one I received it but when I activated it and called they told me my account is closed this is such a weird process with the whole Account opening process why would they close my account after issuing my debit card I didnt even get to activate the card or start using my checking account I dont underdtand what happened and wish someone would tell me instead of hiding this from me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2021 I called US Bank to ask them where the interest charges on my line of credit are listed since I didnt see any interest deduction on the online activity in the last XXXX months. The last interest charge on my account was {$490.00} on XX/XX/2021. I had paid the balance down significantly so I was curious about how much interest I was paying as the balance was declining. She told me that on XX/XX/2021 when I paid {$5000.00} to the principal, the {$510.00} interest was deducted from my principal payment. The online page clearly has columns for the following : Date, Description, Credits, Charges, Principal, Interest across the top of the page. However, my {$5000.00} payment was listed only in the Credit column and only {$4400.00} was applied to my principal balance. There was no indication that the bank had deducted the {$510.00} from that principal payment. I want full disclosure here. The {$4400.00} should have been in the Principal column and the {$510.00} should have been in the Interest column. And yet, there was no indication that they had charged me the {$510.00} interest. Their excuse was that it was stated on the paper statement that was mailed to me. Question : shouldnt the online activity page MATCH the activity I see on the paper statement? What are they trying to hide from their customers? Why are they not providing detailed activity when they already have the columns set up for the details? And when they labeled my {$5000.00} payment a CREDIT, that was a lie. Only part of that payment was a credit. Did they not want me to see their {$510.00} interest charge?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. . This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and FRAUD.
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: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank Home Mortgage falsely claimed the payment on 2018 property taxes and increased my monthly mortgage payment from {$1300.00} to {$4300.00}. The research form by XXXX County Tax office shows that US Bank Home Mortgage did not pay for the above property taxes. This error needs to be corrected and my monthly mortgage payment must be recalculated accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Need record of proper account balance. Account balance is outdated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I attempted to withdraw XXXX $ from an ATM from the US bank branch on XXXX and XXXX in XXXX XXXX, South Dakota, and I was only dispensed XXXX XXXX Immediately, I logged into my mobile banking app and saw the transaction was processed as a XXXX $ withdrawal and I proceeded to call the national US bank number and file a dispute. About 2 weeks later, I received the attached letter via mail notifying me that the ATM investigation was completed and no error was found. I went to the same bank branch to inquire about the steps they took in the investigation process, such as how they counted the money in the ATM and who the team that did the investigation was, and I was told that my dispute had actually not been settled yet. I called the national US bank number again and tried to escalate my dispute or refile, and I was assured that they would get it sorted out. After probably upwards of eight more phone calls, I was told again today that the dispute was still pending ( over two months later ). The banker stated that the ATM money balance should have been counted long ago, however, so I am quite apprehensive that US bank is taking this claim seriously. In fact, due to the lack of correspondence other than the apparent error mail letter, I am beginning to wonder if the strategy of this investigative group is to just carry out the process as slow as possible in hopes that the complainant forgets about the issue or decides the hassle is no longer worth it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55902
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: US Bank Reliacard complaint Card # XXXX XXXX XXXX XXXX ( current card, money stolen from the 2 cards prior to this one-sorry I dont have those numbers as I shredded the cards ) This is is a formal complaint against US Bank , specifically the Reliacard department. I was getting my unemployment deposited on their card until I found out about the theft of {$3500.00} of my money in 3 transactions. Apparently hackers changed my address, cell, email and sign on info to their personal information. I was told either they called the call center or did it on line. US Bank Reliacard has no protections against this. No way to lock the card. I then put a password on the account but if hackers were to attempt access online, theyd get in easily. US Bank said they probably wont go after the hackers. XX/XX/21 {$2000.00} was stolen by hackers by setting up bill pay to discover card. XX/XX/21 I discovered the theft and filed a dispute via fax from grocery store that day. US Bank claimed they canceled my card and told me how to file dispute, also sent me a new card. Within 3 business days XX/XX/21 another {$1000.00} stolen via bill pay XXXX XXXX ( card supposed to be canceled, new card wasnt activated yet ) XX/XX/21 another {$500.00} stolen bill pay XXXX XXXX XX/XX/21 filed another dispute via fax from my phone. Card was canceled and new card issued, THEN XXXX ( very sweet and helpful and spent 2hrs on the phn with me to make sure it was done right ) told me I could put a password on the acct. Less then12 hrs later I got a provisional credit in amt of {$1500.00}. Nothing on the other {$2000.00}. For 91 days I was told by around 10 people there that theyre allowed 90 days to resolve the dispute for {$2000.00}. Every single time I called their standard practice was to say we dont have a dispute for {$2000.00}, when did you file it? Im not exaggerating, every single person. I always ask why do we always have to go through this? Look back to XX/XX/21. Then I request a manager from the fraud department for which Ive only been granted twice. Otherwise I was told they have no ability to transfer, no way to get them on the line, someone will call you back. Ya right, they never called back. Its as if its an inside job somehow. I constantly got the run around, even by managers, were allowed 90 days I looked it up and legally they only have 90 days. Yesterday was the 90th day. I called and got when did you file a dispute, we have no record? I immediately asked for manager in fraud dpt, was transferred to female who said she was the Lead Manager but wouldn't tell me her name, she had a very thick XXXX XXXX accent and was very difficult to understand. I kept asking her to repeat herself and each time she would get more irritated. Perhaps they should have someone with a thick accent on the phones. I asked about my money, she said when did you file a dispute? We have no record of it. I said look back. Poof she found it then said it wasn't done and she would submit to higher ups and will take 3 business days. I told her that they had 90, they are playing games and its unacceptable for another 3 business days and that if the money wasnt on my card yesterday, which it wasnt, that id report them to every single government agency that regulates banks, starting with the FDIC. She literally hung up on me. Please contact me for any information you need, as they are not big on giving their names, I dont have any accept XXXX who was very kind and caring. Shes the one who figured out the hackers stole my money via bill pay and changed all the contact information back so that I would get notifications. Please dont let them get away with these practices and if there anything you can do to help me get my money back I would be grateful. I am a single mom of XXXX and desperately need that money back especially since unemployment XXXX is ending and my weekly is only {$87.00}. I am still missing {$2000.00} that US Bank ALLOWED hackers to steal from me. Even if they credit the insured money, please make sure this doesnt happen to someone else, XXXX told me there are tons of victims of this kind of theft. Thank you for everything. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CO XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection notice from XXXX XXXX XXXX XXXX XXXX on XX/XX/21, claiming debt owed on an old USBank checking account of mine in the amount of {$3900.00} and for a settlement amount of {$790.00}. Upon looking into this further by speaking with USBank, I was informed that there was a lump sum transferred to this account that I have no knowledge of. I next made action to obtain the proper debt validation from XXXX XXXX by sending a Credit Validation letter by Registered Mail on XX/XX/21. I have signed receipt of mail on XX/XX/21, however, XXXX failed to return the validation information to me within the allotted 30 days. It should also be mentioned that upon looking into other consumer 's experience with XXXX, there are anecdotal reports of other consumers receiving fraudulent debt claims from XXXX. Please let me know if I may provide any additional information. Thank you! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Credit report inquiries that I didn't approve of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Hello, During the process of trading in the vehicle and paying it off. It appears a late payment notification was added to our Credit report. The account has never been late and is paid off in full. May you please update the 30 days past due in may Thank you very much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A