Date Received: 2021-07-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My name is XXXX XXXX and Ive been dealing with US BANK for 3 months about my money thats sitting in the account and havent been closed yet. Which I contacted them the first time stating to close the account and they replied they closed it XX/XX/2021 which its now XX/XX/XXXX and the money is still in the account. Im tired of the lies with us bank send the money back and close the account. Yall see the name and social doesnt match the name on the account so why not send it back? It shouldnt even have been accepted because the account was suppose to be closed in XXXX but someone claim I told them to keep it open when I never talk to us bank STOP LYING US BANK AND ACTUALLY CLOSED THE ACCOUNT AND SEND THE MONEY BACK THATS MY WIFE CHECK AND WE REALLY NEED IT I DONT WANT TO TAKE THIS FURTHER THAN IT SHOULD BE JUST CLOSED THE ACCOUNT ENDING XXXX and send the funds back! ITS NOT YALLS AND IT AINT MINES EITHER SO SEND IT BACK! I was told it closed on XX/XX/XXXX and I call customer services and find out they still have it pending for closing so Us bank is a liar
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank assessed several Insufficent funds fee for several transactions that the funds where available for but the system started charging wrongful ODF! Representing found problem but was only able to refund two fees out of several!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased this gift card at the XXXX store sometime ago. I do have an Activation Status Receipt from the store but dies not show the date of the transaction. I gave this card to a family member but when she wanted to use it at the store, it was declined. So when I checked the balance, it says it has a XXXX balance. I called the number on the card, but they said I should check with store I purchased from. I, then, checked with the XXXX, they couldnt trace the record. Please investigate the situation for me, it will be greatly appreciated. Thank you! Please in
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I did not purchase Air line tickets from XXXX XXXX XXXX XXXX a phony travel agency for {$580.00}. My US BANK Account ending XXXX was charged. I disputed it with U.S. Bank see attached XX/XX/2021 document. In a boiler plate letter dated XX/XX/2021 from US Bank stating that " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. Unfortunately, you did not cancel the merchandise prior to the date of the transaction. '' My dispute had nothing to do with merchandise. The dispute was based upon a fraudulent air line ticket charge to my U.S. Bank Card ending XXXX. I did not order the airline tickets for {$580.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: There is a scam that presents itself as a company called XXXX XXXX aka XXXX XXXX, that uses an app to illegitimately pose as a financial institution for stocks and cryptocurrency and makes unauthorized withdrawals via ACH on people once they know how much is in your bank account. Their illusion of customer service is an automated phone system that goes to email and vice-versa. The XXXX scam took {$1800.00} in cash from my account with multiple unauthorized withdrawals that added up to {$1800.00} total. US Bank was contacted at the fraud department between XXXX to XXXX to do the fraud claim 3 MONTHS AGO. US Bank initially did it wrong and labeled it a " dispute '' because the XXXXr scam uses multiple merchants and tried to send a small amount back wi th one of them to give the illusion of " doing business '' with me to prevent it from being a fraud claim, when no business was ever done and even that small return was unauthorized. I had to then physically go to my local bank to refile the fraud claim, which I did with my local banker who correctly re-added the fraud claims total, found them to be {$1800.00} and resubmitted them by fax from US BANK TO US BANK. We submitted everything CORRECTLY INCLUDING THE POLICE REPORT NUMBER FOR WHEN I MADE THE REPORT AGAINST XXXX THE SAME DAY. This was both submitted to the banker and sent to the US Bank Fraud Liaison Department by fax AND by phone when I called to verify they received this information and they said YES THEY HAVE. Since then they managed to LOSE that information which I had to send AGAIN, along with the copies of email correspondence with the scammer running XXXX that tried to get my new bank account info go defraud me a second time ( which I refused to let happen ). They were able to recover only {$1400.00} of the {$1800.00} that XXXX had stolen and tried to close the case. I said ... thank you for getting the XXXX back but where is the other {$400.00} still missing? They told me they couldn't find the claims that were faxed and on file suddenly and that I'd have to refile AGAIN in XXXX. So I refiled again, and they said they couldn't find it and there is " no way to talk to the fraud department directly and not even US bank employees can reach them half the time ''??? What type of business is this?! When I contacted the XXXX to report them, they magically found an extra claim they said they didn't have for {$100.00}, returned {$100.00} more making it {$1500.00} returned, and tried to close the case AGAIN. And I had to refile the claim AGAIN to recover the remaining {$300.00} which they are saying they can't return and their staff acknowledges it should be but has " no idea why the fraud department is claiming they missed documents they have twice and trying to get out of returning my money in full by repeatedly trying to close the case prematurely ''. I HAVE CALLED AND TALKED TO THESE PEOPLE ON THE PHONE OVER 72 TIMES AND THEY WILL NOT FIX THIS SITUATION. I WENT FROM HAVING XXXX STEALING {$1800.00} FROM ME TO US BANK STEALING {$300.00} FROM ME. Can you please help me get my money returned to me that is owed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44515
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61109
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My wife passed away on XX/XX/XXXX. When our son came for the funeral he didn't have a nice pair of dress pants to wear so we went to XXXX to get one. Due to COVID-19 could not try on pants so got 3 pants with different waist sizes so would have one that fit for funeral. After funeral, tried to return the extra 2 dress pants to XXXX but they were not taking returns at the time due to VOVID-19. On XX/XX/XXXX I called the issuer of the credit card ( US Bank ) at XXXX Option 6 and they marked the account deceased ( was in wife 's name ) on that date. After COVID-19 was more under control returned the extra 2 pair of pants to XXXX on XX/XX/XXXX. The refund was put back onto the cancelled credit card. Received refund check from Cardmember Service/Agent for U.S. Bank National Association for {$32.00} dated XX/XX/XXXX. It was made out to Estate of " Wife 's Name ''. When took check to my bank to cash it on XX/XX/XXXX I was informed they couldn't cash a check made out to an estate, please have the credit card company re-issue the check in either my or my wife 's name. I called U.S. bank same day and was adamantly told they could ONLY issue a check made out to an Estate. I was at an impasse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 I reached out to U.S. BANK in regards of applying for a mortgage. At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '', This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ). Through correspondence with the mortgage loan officer via email, the mortgage loan officer was properly informed of my ECOA request and was recommended by her supervisor to move forward in completing the transaction. On XX/XX/2021, the consumer transaction was completed and submitted for review by U.S. BANK. Shortly after completing the transaction, I received an email from the mortgage loan officer informing me that the transaction was denied due to the information that was furnished to U.S. BANK from consumer reporting agencies in regards of my credit history and worthiness. I Informed the mortgage loan officer that my ECOA request has not been honored and that U.S. BANK has willfully violated the ECOA pertaining to this transaction. I have not heard back from the mortgage loan officer since my last correspondence through via phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: US Bank allowed my PA Unemployment Reliacard to be compromised. A US Bank representative allowed an individual to call into their service and request that the email address attached to my account be changed. I was informed by a second individual at US Bank that this is against their policy and that a written request or a fax request must be used to change an email address. This individual had US Bank change my account email address to their own. Then this person proceeded to the US Bank Reliacard website and clicked on " forgot username ''. My account username was then emailed to this person. The person then clicked on " forgot password '' and had my account password reset. The individual then went into my account and changed the bank routing number and account number then proceeded to withdraw {$1000.00}. Then this individual changed the bank routing number and account number again and withdrew another {$1000.00}. US Bank 's security system failed to detect all these suspicious behaviors. This was all done within a short period of time. The two large withdraws were made within 2 minutes. US Bank had previous shut off my Reliacard because their system detected a potential fraudulent attempt to use my card number at a restaurant in Florida. US Bank did not close the account and assign me a new card. Instead they just reactivated my existing card. The account was obviously compromised but they did not close the account. It seems strange that their system would detect such a small fraudulent restaurant purchase but would NOT detect fraudulent activity when the email address was changed, the website username was requested, the website password was requested, the bank account information was changed twice within 2 minutes and 2 {$1000.00} withdraws were made within 2 minutes. US Bank already had a class-action lawsuit settled against them in California for their lack of security measures such as a chip embedded in their cards. I have requested a new card twice and have not received a replacement card yet. It's been over a month and I can not access the money that is left on my account. I no longer have website access to the account. I can't pay any of my bills without the money in this account. I have called US Bank at least 6 times and got nowhere with them. I also filed a local police report. However, US Bank refuses to give me the person 's email address that he/she used when changing my account. This information alone would allow legal authorities to try to track this person down. I was given an absolutely ridiculous response that since I do not know the email address that was used, it would be a security breach if they gave that information to me. They were concerned about security when they allowed someone to change my email address without properly verifying whether the individual was the true owner of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a debit card from US Bank that I did not apply for. Not only did I not apply for it, it came in a last name I have not had for almost 20 years. The last name is no longer used as I divorced. I called US Bank to attempt to report this situation. I was asked my social security number, my date of birth, the debit card number received and my legitimate credit card number I have with US Bank. When I was asked my login for my credit card, that is where I drew the line. I should have stopped giving the other info sooner, but I figured it was my credit card company for about 12 years, they must be asking for legitimate reasons. I then asked to speak to a supervisor. I was told no supervisor was available, but when one was, I would receive a return call. I never received a call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17901
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A