Date Received: 2021-07-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Someone fraudulently opened a XXXX XXXX card using my name with USBank. I tried countless times to report fraudulent activity to USBank using the number provided on their website ( XXXX ). I was redirected to another number XXXX and they tell me they can't help me close the account or report the fraud. I am just trying to make sure the account is closed/not activated and report the fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14072
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I leased this car in NJ and paid the 6.625 % tax rate. I moved to Florida where the state 's and county 's total sales tax on cars is 7 %. US Bank is trying to charge me the full 7 % sales tax in Florida when I should only owe the difference between NJ and FL sales tax. They refuse to fix the issue. I have called three times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a XXXX XXXX credit card with US Bank on XX/XX/2021 and have been using the card for the last two months with no issues and paying the statement balance in full each time. On XX/XX/2021 I tried to make a purchase from XXXX and the card was declined twice. When I checked my online account login two days later, the account didnt appear at all. I called to inquire on the evening of Wed XX/XX/XXXX and the customer service agent told me that the account had actually been closed on XX/XX/XXXX and I would have to speak with account fraud services which was only open during business hours. I called back on Friday XX/XX/XXXX and finally reached the account fraud services who repeated that my account was closed for suspicious activity and that they had sent a letter explaining. I have not received this letter and could not get any further information from them. I concede that it is their prerogative to take away my credit account but to do so with no indication or apparent reason is concerning. I have no idea what activity could have triggered the account closure and also find it suspicious that this account closure occurred when I was close ( approximately {$2600.00} of {$3000.00} ) to reaching the spending threshold required to obtain the advertised account opening bonus of XXXX XXXX I would at least like a reasonable explanation for this account closure as this practice seems deceptive to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08901
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Please Note : Per a discussion with a representative at the CFPB call center, I have attached a PDF file with a detailed narrative and description of the problem. This PDF includes relevant details and supporting documentation. I wanted to be careful about including personal information in this description box. Please review the attached PDF for the full text of my complaint. I wish to file a complaint against U.S. Bank National Association for deceptive/abusive loan practices. I applied for a construction to permanent 30 year mortgage loan with US Bank in XXXX. I disclosed all my debt/property expenses and financial information. I asked about my existing debt, most notably a private mortgage on my current primary residence. The loan officer responded in writing that I could carry the new mortgage for which I was applying on top of what I was already carrying. I asked about down payments. I stated I wanted to avoid taxable events for this transaction, such as selling stocks or touching my retirement accounts. I was also told in writing that the bank would not need additional assets for qualification or closing beyond what I had shown in three non-retirement taxable accounts I provided on my application. I received a written set of disclosures from the bank which included a written loan estimate on XX/XX/XXXX. I signed the disclosures and fee agreement with the bank on XX/XX/XXXX. Later the same day, after I had signed the fee agreement, they began raising issues about debt-to-income ratios specifically related to the existing property expenses I had already disclosed and discussed with the bank prior to signing the application. I agreed to retire the private mortgage, which has since been completed. At no time did the bank issue a revised loan estimate. On XX/XX/XXXX I received a loan approval from the bank. It indicated a down payment that was {$100000.00} higher than what was on the loan estimate, an increase of 210 %. It referenced the prior loan estimate for more details, however the numbers were entirely different. Furthermore a condition of approval was that I needed to liquidate funds from other sources, specifically citing my workplace retirement account, and that the bank would not allow me to take funds out of one of the three taxable accounts mentioned above. I received notice from my employer of a pending salary increase. Between retiring the private mortgage and the pending salary increase it was a more than {$1000.00} positive difference per month over what was in my application. It has become evident that the banks written loan estimate and false and deceptive representations didnt comply with their own underwriting guidelines. The bank did not issue a revised loan estimate. To date the only loan estimate I have received from the bank is the one issued on XX/XX/XXXX. The bank 's actions have harmed me as a consumer. If the bank had not made false and deceptive representations I would have taken the opportunity to talk to other banks, research other products, and performed due diligence with respect to funding any down payment before proceeding with any application. Furthermore, if the bank had not made false and deceptive representations it would not have been able to collect fees from me, as I wouldnt have signed the disclosures which included the deceptive loan estimate. I hope the CFPB will fully investigate the banks actions and if found in violation of statute I hope the CFPB will pursue regulatory action and appropriate penalties against the bank and/or its officers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I rented a car through enterprise. They told me they would add a 300 dollar charge for security deposit and that when my reservation was over I would get it back to my us bank debit card. A few mornings after I rented and now have the car, I woke up to my account saying 0. I called 24hr customer service and they informed me my account had been closed and the balance would be mailed in a check. I asked him about the security deposit and he told me to contact the branch manager that ordered the account closure. I called the branch manager the next morning and tried to figure out what was going on. She was so rude and nasty I was stunned. I couldnt believe she got the job because she was so ignorant and ghetto and Im XXXX so Im of the same ethnicity. I was being really patient and nice and she was just being rude and acted as if I was nothing. She had a full meltdown and tried to speak condescending and using baby talk ironically. It was really disturbing from a bank in the XXXX area. I told her I had kids and that I didnt know how they were going to eat while I wait the week for the check and she would just talk over me like YOOOOOUUUUURRRRR ACCCOOOOOOOUUUUNT IS CLOOOOOOOOOSED just really odd and unprofessional. I wasnt protesting the closure. I was trying to find out what will happen to my XXXX security deposit. The rental company told me they will only credit the account that has been closed. No other form of credit will be issued for my security deposit. They are not flexible to my situation either in terms of trying to change the card they will credit the {$300.00} but at least the people at the rental company were nice about it. Is there any hope for me? The rude manager was named XXXX. XXXX XXXX, IL branch ) I notified them that I would be filing with the cfpb as well as the ftc. I dont understand if they woke up on the side of the bed or what.
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: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was in the process of having XXXX and needing to get XXXX just came from the ER and my leasing office put a boot on my car on XXXX XXXX XXXX XXXX XXXX It Right XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} while I had submitted a dispute to US Bank regarding this issue they denied it on XX/XX/XXXX in the process of the dispute someone did not pay attention when the money of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} was placed back into my account causing my account to go into the negatives ( - {$230.00} ). In the process of doing this my debit card was locked which means no one can use my card well some transactions were still go thru. I called US bank to find out why transactions were going through. After I spoke with someone at US bank my account stopped getting charged by the same people low behold now my account is XXXX. Just because of overdraft charges. I tried talking to someone XX/XX/XXXX at US bank because IRS is sending CHILD tax credit to this account and now XXXX is going to them. The person I spoke flat out refused to put my account before the overdraft charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Someone was buying a XXXX from me for {$270.00}. The person who wanted to buy the item sent a check in the mail for an allotted amount of {$1900.00}. The person said his assistant accidentally wrote wrong $ amount on check. I didn't think anything of it, people make mistakes. I deposited the check into my US bank account ATM on XX/XX/21, waited till it got cleared three days later on XX/XX/21. The check went through, it got cleared, the full amount of {$1900.00} was in my account. I took {$270.00} out of the ATM which was my fee for the XXXX & sent the remaining {$1600.00} through my banks application XXXX back to the person who wanted to buy the XXXX because I'm not going to keep someone's money. Three days later on the XXXX I received a letter from my bank with a returned check statement saying the reason the check was returned was because it was forged/forgery. The bank took the {$1900.00} from my account an added {$90.00} overdraft fees to make my account go negative $ XXXX. I reported it to the US bank fraud liaison department as well as made a police report case # XXXX with the XXXX XXXX police department. The fraud agency said they'll look into it an get back to me regarding the investigation. Today, on XX/XX/21 I received a letter from my bank saying they can't help me for a claim because the transaction of {$1600.00} went through. Im the victim and the bank is trying to get me to pay the full {$2000.00} or else it'll go to collections. How am I supposed to know the check was forged? Even after my bank cleared it ; the money was there so it was legit to me. The person who received the money through XXXX information is XXXX His name is XXXX XXXX. Please help! I just got XXXX, I have no job. I can not nor am I able to pay the full allotted amount that my account is negative of {$2000.00}
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: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX. As a US bank client, I never opt in overdraft protection, I do NOT need it at all. However, US bank repeatedly charged me in total 9 overdraft fees ( {$36.00} each ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. I did not see any reason US bank should charge me any overdraft fees as I never switch on the overdraft protection. 2. I called the customer twice and the manager ( a super nice man ) promised to waiver all the charged overdraft fees as he agreed that : 1 ) I encountered fiscal issues during the pandemic which is ubiquitous and understandable ; 2 ) I never opt in overdraft protection so US bank had no reason to charge me. 3. I got the first 5 out of 9 overdraft fees waivered, however, the latter 4 is still in the air and I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, however, US bank refused to waive the fee at this time. 4. The latter 4 overdraft fees were repeatedly charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when my account balance was more than XXXX ( please refer to the attached file for more details ), which is really insane. 5. I felt I have wasted too much time on this piece of thing and hope it will be addressed ASAP. I honestly do not see any reason that US bank should charge any overdraft fee when my account balance is positive. Their malfunction banking system adversely impacted my life as I need to spend time dealing with the mistake they made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98273
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened US Bank account in XXXX and made 2 direct deposits to the account to meet open-account bonus requirements ( open account bonus promo:XXXX ). But after 4 months, I haven't got my open account bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Good morning, I was stunned to see that Flagstar Bank/Elan Financial Service has reported me late for XXXX, XXXX, XXXX & XX/XX/2020 last year even though I had requested due to covid a loss of income to work out an agreement with them. I have never paid late if they reviewed my account they will see I have always been on time with the exception of when I was seeking help in XX/XX/2020. I had spoke with an agent whom enrolled onto the Hardship Program however I was told to make the payment in XXXX which I did as the XXXX Statement was already closed. I had received a call late last week of XXXX and was told I was due I immediately called back and requested a supervisor whom saw my prior conversation however the agent had erred in not providing the correct information so I thought everything was fixed. Every single month since then I have made my payments with no hiccups until I found out when applying for a house loan that they have been reporting me late for XXXX, XXXX, XXXX & XX/XX/2020. If you look at my attached XX/XX/2020 Statement which covered opened date : XXXX thru XXXX you will noticed that it clearly states Past Due : {$0.00} as well as for XX/XX/2020 Statement which covered opened date : XXXX thru XXXX that also reflects Past Due {$0.00}. I had called and spoke with several agents and none of them wanted to provide me with the Hardship letter from XXXX I tried to explained thoroughly that if I had defaulted then why were my latter statements reflecting the update but the two prior statements have not been fixed they were very argumentive and basically told me you defaulted the very first month I had advised to them the conversations are recorded pull up my XXXX phone call where the supervisor prior had acknowledged they had screwed up but this supervisor from the hardship program or Elan was very rude and nasty and would not provide to me my legal right of that letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A