Date Received: 2021-08-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I requested from XXXX that they reverse the late fees and interest charges for my credit card payment that was paid in full but slightly late. The late payment was due to issues related to XXXX. I thought that XXXX would be reasonable and work with me to help find a solution but they denied the request with no further consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94941
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: 2021-08-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My checking account at u.s. bank was closed on XX/XX/2021 causing a payment I made previously to bounce leaving me with a penalty for the bounced payment. In the days leading up, my checking account was blocked from making transactions without prior notice and I found out when I was at the store making a purchase with people waiting behind me and my card kept getting declined even though there was enough money in my account. When I went to a branch office I was told to submit my social security card to unblock my card and I did so and they faxed it over to another department, but my account was never unblocked causing me to not be able to make purchases or withdraw money for an extended period of time. Then my checking account was closed. My credit card account was also later closed on XX/XX/2021 and they are not allowing me to go pick up the secured payment I used to open the credit card account. I believe my account was closed for discriminating reasons. Ive tried contacting the bank multiple times to get a reason and they are unhelpful and rude and they transfer me to multiple departments without ever giving me an answer. U.s. bank in my experience is not a good bank and they discriminate and are XXXX towards XXXX American people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
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: 2021-08-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to Covid I requested and was granted an extension on payments however they would only grant or approve 6 months. Unfortunately I was without income for 14mos. However, when I requested more time PER THE CARES ACT GUIDELINES, US Bank denied the request. Instead they reported me for 4 late payments. I WAS paying but due to being without income they were not on time. I disputed this within US Bank and they denied the internal dispute. I believe US Bank completely ignored the Federal Guidelines set forth in the Cares Act guidelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Prepaid card never receive and My unemployment benefits was stolen on my us bank relia card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank messed up my escrow account very badly as i have massive escrow shortage when i shouldn't as there was an escrow account established when i closed in XXXX on the house. Now 6 months later I am being told I am massively short. Funds they can't find either to fix my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
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: The requested was to complete a research paper the requirements were given accordingly. 1- deadline was not met 2-Attempted to rectify with merchant via asking to speak with a manager. 3 research did not coincide with subject matter. 4 Verified deadline not met therefore whatever was submitted it needed to be correct therefore it would be no need for submission One minute past the deadline is late let alone 3 hours as shown. The bank stating that services were rendered but if I cant use the services AND IT WAS NOT COINCIDING WITH REQUIREMENTS. I tried to speak with the manager and left several messages. I was even told it would refunded but it was not. Yet here I am still trying to get my money back when it is part of their policy. yet their actions do not fulfill my monies in my account nor did it help by submitting the documents late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have a XXXX XXXX that buys and sells fresh produce through out the country. I am licensed by the USDA so I have prompt payment requirements. On XXXX XX/XX/2021 at XXXX I attempted to deposit a check for {$22000.00} in the lobby atm at the us bank branch at XXXX XXXX XXXX XXXX XXXX MO XXXX. I have been making these deposits every Friday morning in this same machine for several months.I entered my pin and followed the prompts then inserted my endorsed check. Then the word error came across the screen and a slip of paper came out stating an error has occured and I would have to call an 800 # then an investigation would be done. So I called the 800 # and the person told me that the bank would investigate and notify me by mail in 10 business days. I asked the people in the branch for guidance and they told me to call the 800 # because there was nothing they could do. I need this money to promptly pay for XXXX XXXX XXXX from a California XXXX. I have to have a XXXX XXXX to do this kind of business and in having that license I agree to pay for fresh fruits and vegetables and the interstate transfer of said product in 10 days. The US Bank policy to remedy this machine error puts my lXXXX XXXX XXXX in jeopardy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I contacted US bank customer service on approximately on XXXX of XXXX to inquire about the {$400.00} bonus status. The rep said that the bonus was going to post on Monday ( XXXX ), and that they will also file an investigation about why. I got a callback on XXXX from US bank telling me that although I met the {$4000.00} direct deposit amount, they saw that the online banking e-statement requirement wasn't met. However, US bank was having issues when I was signing up for online account at the time, and they assured me that the correct promotion codes would be applied for this promotion and that they will do handle things on their end that the e-statement and the initial deposit requirements would be met. I called back again today ( XXXX ), and was on a phone call for 3 hours with the rep, and the customer service rep today basically made some calls and said that she would transfer me to whoever 's in charge of making this determination, and sent me to a relationship banker ( who in turn told me that they do not handle this type of issues ). Then this relationship banker transferred me again which went to the very start of the customer service number. I am highly dissatisfied and disappointed with 1 ) the way U.S. Bank is not following through with their promises/terms ( the representative promising me that the bonus would post on XXXX, and even earlier when I was signing up when they were having website problems on their bankend that all would be handled on their end for this promotion ), and 2 ) the way Customer Service is handling my inquiries and complaints by " passing the buck '' for hours on end. I am including the screenshots of the email correspondence of what I have. U.S. bank should have the recordings of all phone calls from me to look into the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is my ( XXXX XXXX XXXX second attempt to resolve this issue through the FDIC/CFPB. Reference original complaint XXXX. This is my written consent that US Bank is authorized to contact the third party referred to in the original complaint XXXX and I am also consenting that US Bank may access my lease account to access past payments. I also authorize US Bank to contact me directly at XXXX to obtain authorization to contact whomever they need to contact. US Bank does not provide confirmation numbers on payments made online, therefore, I can not reference specific tracking numbers provided by the company in this complaint. This complaint is in reference to US Bank Lease XXXX for a XXXX XXXX XXXX. The lessee is XXXX XXXX and I am him, and I am issuing this complaint. U.S. Bank, online banking ( https : //onlinebanking.usbank.com/ ), has charged me two times when I submit a payment one time. This has occurred on multiple separate occasions. This happened on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. After I submit the payment from US Bank online banking, two pending charges are shown on the US Bank online banking. When I call in to US Bank customer service, they tell me there is nothing they can do to stop the payment. The only option US Bank provides me to return the payment to me is by cashier 's check in paper mail, which takes 10 days on average to get to me. I have incurred many overdraft fees at my financial institution as a result of this and I have attempted many times to be proactive about resolving the issue caused by the obvious error in the US Bank online banking and US Bank has not helped to resolve the issue or even look in to the issue with their online banking website. I have attached 4 months of lease billing statements showing proof of the lease, lease number, lessee information, and Base Rent plus tax.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53066
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On Sunday XX/XX/2021 I noted a new account being opened connected to my US Bank while viewing accounts online. I immediately contacted US Bank fraud number and reported the event. My account was locked pending affidavit of fraud. On XX/XX/2021 I withdrew much of the money in checking and moved it to a different bank and have been changing auto draft instructions for bills paid with automatic withdrawal. The account was opened with my name minus the suffix " XXXX '' which is on the main account, plus home address and social security account. I was victim of identity theft on year ago when an emergency business loan for {$9800.00} was obtained from the SBA with information off a data breach. That crime is under investigation for the past nine months. My credit has been locked for the past 9 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A