Date Received: 2021-08-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am a victim of ID Theft. Someone took my information and opened a checking account with US Bank. I have been reaching out to US Bank monthly since XX/XX/2021 to have US Bank close this as fraud and they are not closing the account. They keep telling me it is closed but the account is not zeroed out so the negative balance is still reflecting and US Bank is sending me letters requesting I pay this. I get a " Pay '' letter every month with threats that they will report this to my credit report. I did not open this account, I will not pay for something I didn't do, and US Bank needs to correct their error in approving and opening a fraudulent account. US Bank is threating me and demanding money from me and that is extortion. At this point I feel like US Bank is not closing and resolving this properly because they are in the fraud/inside job among their employees. This bank needs to be investigated to the fullest like you did with XXXX XXXX for their scandal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is my second complaint about the same issue. I did not receive my full amount of funds from the account that closed. XXXX is missing. They said they will issue a check but still havent.
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: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: First of all before going forward, the previous options clicked by me were not exactly the correct ones because I didn't see one pertaining exactly to my situation so I clicked closest one possible. My issue is with US Bank Relicard and I have had to file fraud charges multiple times, have been granted money back twice ( Meaning an investigation was done and agreed that it was indeed fraud by granting me my money back ). I have been explaining time and time again that " XXXX '' is in my devices a hacking XXXX developed software that is thee most intrusive and impossible to get rid of issue ( litterally impossible-unless you throw away device. No buying a new one doesn't fix the issue because if you can afford to have XXXX and use it ( millions ) then you probably are savy enough to just fallow or stalk the person and aim a device at the target and boom ur back in to their new one. Or i'm sure you don't have to even be that close now days with the infrared. Anyways i file a third time just like I told them I would have to even if i don't use it online, they give me money back then i spend {$350.00} around the XXXX of XXXX start of XXXX, now this time for whatever reason they claim is no signs of fraud and assured me that i would be able to request the proof that lead them to that decision. So I did, right when my money was wrongfully taken back out of my bank account and then put into a negative balance of {$350.00} which was also then taken from me upon my next automatic deposit they claimed they would send me proof. So I waited and nothing. Called again asked them to they said they see where I had requested it sorry i didn't receive it confirmed address then said they put a note in to make sure this time and waited, nothing again. This same exact exchange then goes on and on about 7-9 more times and it is now XX/XX/2021 and i am still out XXXX XXXX plus dollars with the last offer of possible resolution being " ok well I can certainly put in a request to have them send the proof of investigation to you that has been promised ''. The same exact statement I was told at the beginning. This lady was extremely rude and condescending lots of push back I was more than appalled and offended twisting my words and making false statements, at one point she claimed that to re open the case I would have to send proof in to show them why to reopen it. I am still waiting for the proof that they were not un-just in going into my account and taking what they had given me back in the first place. I have " re-opened '' this immediately after finding that there was a investigation that went not in my favor well i know for a fact 100 % that I made a correct fraud claim even paying the XXXX $ to send in a packet of transaction history and with everything i have told them in the past with this horrible hacking fraud stuff it seems not one thing was taken serious first of all and second if they have proof where is it? And at what point is the customer allowed to say " ok well it's been X amount of time and chances for them to send proof I think i will just go ahead and take my money now '' thee absolute only thing i have received pertaining to this issue that was sent to me aside from the first initial letter that pretty much was three lines of words stating " sorry our findings were not in your favor, if you want proof call usbankreliacard.com '' was a letter couple weeks ago that was poorly typed up and said " here you go hopefully this explains how we came to our decision '' not a ounce of any other info. What was inside that letter after was only a stack of 42 page back and front transaction history of that time period .... ok. All these months I have explained that hackers hackers and not to even put money on card maybe send paper check incase, and how ip numbers work how it could appear to be me logged on a device using my ip number and someone can get on your network and what do ya know, looks the sam . so I was expecting proof being something that should that side of it how they made confirmation that my claim was faulty, but nope instead i got my transaction history that I sent to them in the first place but with circled and highlighted lines and notes on it showing them. So proof this was not even close of if anything in my favor and somehwere sprinkles throughout these pages is the lines that are in fact fraudulent. Some easier to spot than others seeing as I used XXXX and so did the criminals to mask the charges aligning them right next to my actual real purchases at times very crafty. So at this point thee only " evidence '' we have that we can look up or hold on to and see is that i have filed fraud and been granted that was in fact true by investigators, then i was not, i was promised proof and them being aware of how i was being taken advantage of one could only assume that was taken into consideration being an investigator for a bank of all entities and a bank that was in partnership with us government handling everyones unemployment on top of all that, meaning this isn't a chosen place i had thought up this was assigned. But they made the decision they did being professional investigators and came back and took my money back, put me in a negative with kids, and promised to give me proof showing they are in-fact professionals and did their job thoroughly and ( also assuming once again looking at past track records of mine ) hadn't made a mistake on messing me over or that they are not criminals in going back into a persons private property and taking it. This has not only put me in more than a tight spot, it has messed many things up along the way with it severe XXXX, XXXX, and XXXX XXXX resurfacing from before this that was diagnosed by XXXX XXXX XXXX XXXX for the hacking and other craziness that i was documenting as well that resulted in losing my home, and health etc. this was the cherry on top to bring alot of XXXX right back i have been extremely polite only raising my voice once being this last time because of the way i was being talked down to like a child, and lady saying " is there anything else i can help u with?! '' Over snd over then i kept trying to say something and she repeats it so i said " yes silence! '' And of course her mental compacity for matureness response is " that doesn't pertain to your case Mr . XXXX! '' I the-requested to speak with other people who wouldn't treat me this way and has nothing to do with the decision of the case at this point id just rather be told " no '' even with some respect and matureness but this proved to be offensive to her and impossible as well. She has no people skills and the attention span of a gnat. This is out of control and ridiculous i also requested that she make a request to obtain the recorded phone call for '' quality customer and assurance purposes '' she then did the talk over me thing again and then tried to claim that she never said the word " silence '' referring to earlier me explaining how i had to raise my voice in saying that just to answer the question she kept repeating, in psychology we call that " deflection '' or deflecting blame, a common narcissistic trait used lots among the immature population or what have you along with her other false claims and or the condescending tones of voice used and sound of disgust or as if i offended her by simply explaining something that was said to be wrong and how it was wrong. I have been calling us bankreliacard just for this issue since XX/XX/2021 to now and not once have i ever been talked to like that And there is plenty of recorded calls to prove just that, and if needed to you can look at all of them and see exactly what level of up most respect and mannerisms i have held despite all of this horror story of a mess, I have said " please thank you " yes ill hold again '' and " thank you for your time and sorry you had to get dragged into this mixup. '' I have been told that they see where i had re opened this case I have had them say there is no note of any interactions, This last time ( this morning XXXX ) She said I needed to send my proof in to reopen it, and I " failed on my end to answer a phone call ''. As if I had done this to myself. The FACT IS that I SPENT {$50.00} AND MY TIME To do all the loops and things asked of me and sent in all that stuff already I was told they received it and get back to me. The FACT IS THEY FAILED TO UPHOLD SAID PROMISES ( MORE THAN 6 TIMES ) OF SHOWING PROOF THAT GOING INTO MY PERSONAL ACCOUNT AND TAKING MONEY BACK PUTTING ME IN A NEGATIVE was justified in, AND MESSING UP MORE THAN FINANCIAL ISSUES I was and am still in now even more so than I would be had I not been on phone over and over, or had the money from beginning. Had I not been stuck stuck at home because severe XXXX and worry about everything involving that. I am sorry for my poor grammar in this, I am using a tablet to type and in middle of making dinner and doing other tasks. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97086
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Last month I reciev3d a check payable to me for XXXX so I deposited I my us bank checking account so they cleared it so I started paying my bills so I paid my credit card bill of XXXX dollars then I left XXXX which I owed the bank money so they took the rest Later on about 5 days later I couldn't access my accounts online and I was given the run around. So finally I filed a compliant about fraud and I had gotten scammed. The check had already been cashed but was sent to me unwashed so I lost all of my accounts and the bank closed my credit card which had nothing to do with my 3 checking accounts I feel I was treated unfair and discriminated against. These people at the bank got me mixed up and I'm going to sue them I had fraud going on and I am protected. I have fraud protection on all my accounts but a lot of activity from places I didn't authorize My accounts should have never been closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23607
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US Bank reported that my XXXX payment was never made and in fact showed 60 days late when the car was paid off by XXXX XXXX and I have supporting documents from XXXX XXXX to show the payoff. If XXXX XXXX failed to payoff the vehicle to US BANK that isn't my fault ; and I was told by US BANK in XXXX this would be handled. This now is still on my credit report and has now caused me to delay my home closing which I'm incredibly annoyed by. I would like this removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am the victim of identity theft and got sick during XXXX XXXX and the bank closed my account when it there were fraudulent charges disputed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/2021 I sent my yearly fee for a safe deposit box to US Bank. The check was not clearing through my account so I thought it had gotten lost in the mail, I sent another check. Both checks cleared through my account on XX/XX/2021. I applied for a refund as I had double paid. Even though I provided images of the checks demonstrating both check had been processed by US Bank they denied more than one check had been processed. I was dumbfounded, I stated a cancelled check is the XXXX XXXX that an amount has been paid. They insisted that if their records didn't show a double payment no other evidence mattered not even proof they had processed the check. Eventually they said I had to challenge the check with my own bank and the banks would get together and find out where the money went. US Bank didn't even know which check I had gotten credit for, with the help of my local bank we made a guess as to which check to challenge. After much go around with my bank nothing of use has happened. No head to head contact has occurred between the banks as far as I can tell and my bank is telling me I have to resolve this with the " vendor ''. Note : both checks have been deducted from my local account. The banking system has disappeared my money and US Bank isn't even a little bit disturbed that that can happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Synopsys : After notifying my bank, US Bank, that I had been defrauded {$1200.00} via a wire transfer from a scammer who had stolen over XXXX Bitcoin ( {$1.00} mil. USD ) it took my bank 30 days to get me a letter to sign so the other bank could return my funds. Not only did I lose my entire income from XXXX, but the scammer is still stealing from people via Bitcoin. Here 's the story ... On XX/XX/XXXX, I made a wire transfer of {$1200.00} from my bank in Iowa to a bank in South Carolina ( see image # 1 ). I was trying to purchase product at wholesale price to sell on XXXX. The seller was verified twice on a website called XXXX. At first he tried getting me to wire the money from my Credit Card via two Bitcoin websites. Those transactions failed so I went with the wire transfer option instead. I thought he was legit, what else can I say? On XX/XX/XXXX, I realized I had been scammed and immediately contacted XXXX and US Bank. I followed all the instructions my banker, XXXX, told me to do, including filing a report with my local FBI office. I also contacted the bank in S. Carolina and talked to the manager, XXXX. I told her that her institution was being used by a criminal who was using her bank for fraudulent wire transfers. After talking to her a few times I was reassured that the fraudulent funds were on hold. She did not tell me they were only on hold for a limited time only. On XX/XX/XXXX I was called in by my bank to sign something called a " hold harmless '' letter ( see # 2 ). As I will prove later, US Bank had already received this letter for me to sign on XX/XX/XXXX. XXXX, the person handling my wire fraud claim, sat on this letter for two weeks. A few weeks later I called my banker for an update. I got a voice mail later saying she was going on vacation and my money was gone. Needless to say, I flipped XXXX XXXX out! Since my banker was on vacation, I called the scammers bank and yelled at XXXX. She said it was out of her legal control to be able to freeze the funds in the account, and that the scammer had withdrawn MY MONEY and had closed down the account. What a waste of energy! So, this is when my nightmare began. I will spare you all the details. I have contacted XXXX with no response, the FBI with no response, the local police department in XXXX XXXX with no help, XXXX XXXX XXXX which charged me {$40.00} to tell me I would have to go to trial and pay them lots of money to get my {$1200.00} back ... Sigh. As a matter of fact, when I first called my bank on XX/XX/XXXX, the receptionist, XXXX, told me I couldn't come in immediately because of Covid. I showed up in two minutes, tried calling three times with no answer, and I ended up having to wait at the front door for someone to leave before I could enter. The apathy regarding this event was palpable. I have a new found hatred for banks, bankers, and all the scum that works for them. On XX/XX/XXXX, I received a reply from US Bank via a complaint I filed via the XXXX ( see # 3 ). The response stated that on XX/XX/XXXX US Bank received a hold harmless letter that needed to be signed by me. If you remember from above, I signed this letter on XX/XX/XXXX. XXXX from US Bank sat on this for two weeks! The XXXX response then goes on to say that on XX/XX/XXXX US Bank received the signed letter. That is a lie! I had talked to my own personal banker XXXX the next day ( XX/XX/XXXX ) to make sure she sent the letter to XXXX! They had my signed letter on XX/XX/XXXX, not XX/XX/XXXX! The XXXX response then goes on to say that after they sent the letter to the S. Carolina bank, the funds were gone ( implying it was my fault because I was the one who delayed the letter getting back in time ). On XX/XX/XXXX, I received a second reply from US Bank via the XXXX website reiterating that, " On XX/XX/XXXX, the receiving bank replied requesting a hold harmless letter be returned. You fulfilled this request on XX/XX/XXXX, at which time we returned it to the receiving bank. '' Again, this is an outright lie! I had the paper signed on XX/XX/XXXX. And again, I contacted my banker XXXX on XX/XX/XXXX to make sure she forwarded it to XXXX at the wire department! In full disclosure, after I signed the letter I did hand it off to XXXX. Perhaps XXXX sat on the letter and XXXX is lying to protect XXXX. I have no idea why XXXX disrespected me the way she did when I found out I had been robbed. I thought we had a good business relationship. To sum it up, it has taken me a great deal of time and energy to decipher all the lies told to me via the people at US Bank. Them telling me I " fulfilled this request on XX/XX/XXXX '' when I actually did so on XX/XX/XXXX was beyond infuriating! This was a simple problem and US Bank failed miserably! This is what I want : I want to know why XXXX refused to help me when I was frantic the day I found out I had been scammed. I was in the process of losing my first years profits working on XXXX, and at the same time I had to listen to her cackle with her customers at the drive up window for 15 minutes once inside while waiting for my banker. This was beyond unprofessional. I want to know why it took XXXX from XX/XX/XXXX to XX/XX/XXXX ( almost an entire month ) to get a signed piece of paper to me and back to the scammers bank! I want to know what XXXX and my own bank manager plan on doing to make sure this never happens again! I also want my {$1200.00} back! And if I can't get it back, I want to make sure this does not ever happen to anyone ever again! This was completely preventable, and only occurred because of the incompetence of a bunch of liars that work at US Bank! If this wire transfer was for {$10000.00}, and I lost it all, I could have done something really horrible, like blow my brains out in the middle of US Bank. This is no XXXX joke! Banks are supposed to protect peoples money. What happened to me was completely unacceptable. I have been with US Bank since they were called XXXX XXXX. After 30 plus years as a loyal customer I requested one simple favor, and they couldn't figure out how to get me to sign a piece of paper within 30 days. I have a XXXX near perfect credit score rating, I pay all my bills and credit card payments on time, and this is what I get in return? What a XXXX joke! The most infuriating part of this whole ordeal is that this outcome did not have to happen. It was completely preventable assuming XXXX and or people working my claim would have gotten the paperwork taken care of in a timely manner. And to top it all off, the head of security from the S. Carolina bank, XXXX, told me his bank sent a third notification to my bank on XX/XX/XXXX requesting permission to send back my funds with no response. I will add his contact information below. The scammers Bitcoin wallet ( XXXX ) to date has XXXX BTC in it. If you search XXXX for " XXXX btc to usd '' it shows XXXX Bitcoin equals {$1.00} million. According to : https : XXXX ... the scammer has continued stealing from people since he defrauded me. Here is a list of contacts if you are interested : XXXX XXXX ( my US Bank banker ) : XXXX XXXX ( wire department ) XXXX XXXX XXXX Wire fraud number / claim # XXXX XXXX XXXX XXXX ( XXXX XXXX / XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( scammer ) : XXXX XXXX XXXX ( XXXX ) XXXX-XXXX XXXX ID XXXX Bitcoin wallet ( XXXX ) Email : XXXX If you need more evidence such as screenshots of the conversation between me and the scammer please let me know. I hope you can help me. Thanks for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have previously attempted on a number of occasions to present my concerns to the CFPB for their own investigation and not the company involved that has violated their customer contract with me. Attached is a copy of my previous complaint below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: THIS HAD TO DO WITH U.S. BANK AND I HAD ALREADY MADE A COMPLAINT, BUT BECAUSE THEY ARE BETTER EQUIPPED TO TO GIVE A BETTER RESPONSE THAN MY CLAIM I LOST, AND THAT WAS NOT EVEN FAIR, AND THEIR RESPONSE WAS NOT ON POINT, MY COMPLAINT WAS OVER SUM TRANSACTIONS THAT THE BANK HAD MADE AND THE AMOUNT OF TIME TO BE DOING THIS TIMED OUT ON THEM, NOT ME, THEY PLACED ME AT FAULT, AND I WAS UNDER THE IMPRESSION THAT MY BANK IS SUPPOSED TO PROTECT MY BETTER INTEREST, AND WENT LIKE THIS, I WAS MAKING PAYMENTS OVER A 10 MONTH PERIOD, WHEN I WAS DONE MAKING PAYMENTS THAT EQUALLED {$7800.00} I COULD NOT REACH THEM ... .. I HAD MY BANK RECALL THOSE 10 PAYMENTS AND THEN THEY CONTACTED ME, AND TALKED IT OUT, AND AT THE SAME TIME THE BANK IS SENDING ME LETTERS STATING THAT THEY CAN NOT ASSIST ME WITH MY DISPUTE AND SO I WENT TO THE BANK AND HAD A MONEY ORDER MADE OUT TO THE SAME PARTY THAT I HAD THE 10 PAYMENTS RETRACTED FROM AND I DELIVERED THE PAYMENT FOR THE TOTAL AMOUNT MYSELF TO THEM AND THEN MY BANK STARTED PUTTING THE 10 TRANSACTIONS BACK INTO THEIR ACCOUNT AGAIN???? AND THEIR REASON WAS, THEY SAID I DID NOT RETURN THE LETTERS THAT THEY SENT TO ME ONLY 1 OR 2 OF THEM MADE IT BACK, SO I CALLED THE DISPUTE LINE AND EXPLAINED WHAT WAS GOING ON, AND I HAD THEM SEND ME THE LETTERS AGAIN, AND I FILLED THEM OUT AND EXPEDITED THEM BACKIN THE MAIL, AND THEN THE BANK STARTED TO BRING THE 10 TRANSACTIONS BACK TO MY ACCOUNT AGAIN, EXCEPT THIS TIME ONLY FOUR OF THOSE TRANSACTIONS WERE COMPLETED AND THE REST THEY ARE MAKING ME THE RESPONSIBLE ONE FOR IT AND THEIR EXCUSE FOR IT, IS THAT THE TIME ALLOWED HAD BEEN EXCEEDED AND I DONT UNDERSTAND HOW THAT TRANSLATES INTO ME BEING RESPONSIBLE FOR THAT? BECAUSE BY THEM INITIALLY BRINGING BACK ONLY FOUR OF THE TEN TRANSACTIONS TRANSLATES INTO THEM REALIZING THAT THEY MADE A MISTAKE AND WERE IN THE PROCESS OF FIXING IT AND THEN STOPPED, IM NOT DOING ANY OF THIS STUFF, ITS ALL THEM PUNCHING THE KEYS AND NOT ME, BUT BECAUSE THE REPORT THAT THEY SENT BACK SOUNDS BETTER THAN WHAT I WROTE DOWN AS MY COMPLAINT I LOST, AND THE ONE GIVING THE REPORT WAS NOT EVEN INVOLVED, SO HOW CAN HE EXPLAIN BACK WHAT HAPPENED, ESPECIALLY WHEN THERE WAS MORE THAN 10 PEOPLE I SPOKE WITH, I DONT KNOW HOW MUCH MORE UNFAIR THIS COULD BE? I AM STILL NOT GOING TO PAY THEM, I KNOW RIGHT FROM WRONG AND THIS IS WRONG ... ... ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A