Date Received: 2023-12-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a XXXX gift card for {$99.00} as a gift and I opened it for the first time on XX/XX/23 and attempted to use it to pay for dinner. It processed for XXXX cents. The rest of the card was apparently already fraudulently used by someone else. I logged into the website for the card which is XXXX with a phone number of XXXX. On their website they showed that the card was used 3 times, on XX/XX/23, XX/XX/23, XX/XX/23 and at a XXXX XXXX in XXXX California on terminal number XXXX. At XXXX, XXXX and XXXX which is interestingly XXXX hours before the XXXX ( all XXXX of them ) in that city even open. The card was apparently listed under the name of XXXX on the XXXX website too. Which makes no sense since I literally opened the card today ( on XX/XX/23 ) in XXXX where it was purchased and paid for at a XXXX XXXX XXXX ( XXXX ). The XXXX people asked me for my first and last name which I provided and gave poor instructions on how to report this fraud with a hint that if I follow along they might be able to do something to get my money that was fraudulently stolen back. They asked me to upload the front and back of the card and the front and back of my government issued ID, which makes me super uncomfortable and is totally unacceptable from a company who clearly lost at least some of their XXXX credit card numbers in the first place. Who is to say they won't " lose '' my private information too. As I see it they owe me {$99.00} and shouldn't make people who are taken advantage by their poor business practices jump through hoops when they are ripped off. It wasn't even clear where to upload this on their site if I felt safe to do so specific to fraud. Any help with this company is appreciated and I hope someone can figure out who is ripping money off through a XXXX credit card terminal hours before they open. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80109
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Dear Sir/Madam, Can you please help me resolve my issue for the gift cards I bought from XXXX store on XX/XX/2023. I bought 4 gift cards in total and 3 of those cards were fraudulently used in Arizona. I tried using the cards in XXXX and XXXX and was getting declined transactions for the next 10 days and all the while calling them why I can not use the cards at all. On XX/XX/XXXX, a hacker used the cards at XXXX XXXX in Arizona and I immediately called them about this. Each card I have to call separately as they told me that is how they process these cards that I have issue with. The first card the agent agreed and sent me a replacement card for it. The next succeeding call the agent denies my replacement saying I authorized the transactions. With this the other card they have approved for replacement was also denied back. How can this hasppen as I am in Utah and never set foot in Arizona. Another thing that I want to get resolve is that they blocked my phone number when I am calling their customer support and I have to resort using other family members cell phone so I can connect thru and follow up on these. I have attached a copy of the receipt ( XXXX ). My utah id, record of the fax transactions dated XX/XX/XXXX Also their letter of denial claim and the copies of the cards I am disputing. You can contact me at phone number ( XXXX ) XXXX or XXXX if you need more information to prove that I did not try to scam USBank gift card and with their effort to thwart scammers by denying me to use my card in turn the card was compromised by other people. Thank you for your kind understanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: XX/XX/2023 XXXXUS Bank granted an Unemployment Forbearance for 12 months ( no documentation is required ) however I provided them all of my unemployment documentation from the State of Florida employment termination letter ; ect. XX/XX/2023 - Received letter that unemployment forbearance is being revoked- no explanation- just an ambiguous letter causing confusion. XX/XX/2023 - Fax sent to US Ban Case Manager
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: My paycheck was stolen from mail who ever received it somehow was able to steal my identity also simply to open up a bank account online with US BANK so that they could be able to cash my check withdrawal funds few week after by chance I went to USBANK trying to open a direct deposit account that when I was informed the an account already existed I file a claim with US BANK they send some forms to fill out I did that weeks later received a letter from US BANK fraud liason center telling me that my claim has approved and that's the last Heard from them everything I called the they'll give a different answer like they where still investigating to should get my refund in a few month finally they said that they couldn't prove my identity. So why did they send me a letter telling me that my claim has been approved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I redeem my USBank credit card reward points and received a {$25.00} pre-paid debit card, the card expiration date is XXXX. But in whole XXXX I had been trying to activate the card and never have luck, either online or via the phone. I tried to called up USBank but either couldn't get a support agent or no one could help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have 5 Visa gift cards issued by US Bank that were purchased from Kroger that are now almost impossible to use. Transactions are declined at normal stores like XXXX and Kroger. This was not the case in the past. They seem to have added rules about how the cards can be spent that are not disclosed, and which may have been designed to increase the likelihood that the funds are never spent at all. Additionally, the XXXX website does not work, so I can not register the cards to be used online. It accepts my input of card number and security code, but then does not load a page for the card 's information. This may also have been by design to limit use of the card. These cards are so problematic, they have been completely removed from store shelves in my area and are no longer for sale. The purchase restrictions may not be compliant with the CARD Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I signed up for the card noting that, like all cards, it can be added to phone ( XXXX XXXX XXXX ) wallets. When I received it, this failed to work, I worked extensively with their agents to get it to work to no avail. They admit this is a widespread problem and theres nothing they can do. I advised this is a dealbreaker and that Id want to undo the relationship and Id need the credit bureau inquiry dropped as they have not delivered the key feature they promise and are unwilling/unable to remedy that. I have told them that if they can fix the problem fine, but they have not. I feel I was brought in under false pretenses and should not take a credit hit for cancelling this card.when I told a supervisor that it was unacceptable that they said it wouldnt work and there was nothing they could do, she laughed at me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: During the last 120 days, I have 3 complaints against US bank for their very confusing online banking system for credit card. I don't know why they just show 3 of my credit card? XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 even when I have overall more than XXXX credit cards with us bank. I have no idea why US Bank made it so complex for anybody to understand how to make the payment, autopay or change the bank account ( from which to make the payment ). I have called US Bank at least 5 times and conveyed the same but no impact. I am in Information technology for 27 years and worked for financial systems for around 15 years ( 8 years - credit card ). If somebody like me is not understanding their system - then there is something really wrong. there is no impact of feedback on US Bank. IT employees, customer service are inefficient and hopeless. Everybody I know working in IT for US Bank are the most in capable people. Support is good for nothing. I called them during last 4 days - they were clueless. What I want? Simple billing No fees if they are not telling me that i owe something to them consolidate all my rewards so that i can use them. In the end I want to close all these headache US Bank credit cards. I believe life is too short and i should not waste with US Bank customer service. Today I got another statement from US Bank for the credit card ending in XXXX. It says there is a {$39.00} late fees. I have been asking for US Bank for so many days. This credit card doesn't even appear in my online account. If i don't know I have a credit card and i need to pay then how come I can make the payment. Based on this statement when i called at XXXX at around XXXX to XXXX XXXX XXXX time, I talked to an old gentleman. This person took my routing # and account # - record 3 times and couldn't process my payment. Then he gave me another phone # XXXX to make the payment. It seems that number is for some business line for US Bank and they are closed on Saturday. Once again I called XXXX at around XXXX XXXX XXXX XXXX and payment was processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I logged into my account and attempted to use the XXXX feature to send money. All of a sudden the app kicks me offline and says my account is temporarily XXXX. I called the banks customer service and inquired about the issue. The customer support was very rude and not of any help. They refused to tell me the reason my account was XXXX from online access and stated I must wait XXXX hours. They completely closed off any visibility of my account without letting me know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95134
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: This complaint is very similar to the one that was just settled with the bank returning the money. I have a very good friend in a hospital in California. He has a XXXX XXXX that is malignant and needs surgery. He doesnt have insurance or money. The hospital was requiring {$62000.00} deposit for a surgeon that we flew to XXXX from XXXX renowned for that surgery. My friend does car business with XXXX XXXX near the hospital. His fianc lives in XXXX XXXX where US Bank is located. Her name is XXXX XXXX she is a customer there. The ownership suggested I send a cashiers check XXXX would take it with her to XXXX on a pre planned trip. I mailed the check overnight to US Bank manager XXXX XXXX, he put a 7 day hold but she was just going to pick the check up. During the hold period XXXX had a XXXX episode and spent about 3 days in the hospital. When she was discharged she went to the bank to pick up the check. Apparently she was medicated to the extent that she couldnt answer the questions that were asked. After the check arrived overnight I called the bank and explained truthfully what the situation was for my friend and the fact that XXXX was volunteering to deliver the check since she was going to visit her fianc. The problem is XXXX the manager refused to give her the check and since XXXX he has refused to return the check to me, thats a lot of money. It was sent to the fraud department they still have it. It was signed for at the bank on XX/XX/26. They decided it was fraud or a scam. Im still trying to help my friend. US Bank XXXX, XXXX ph. ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24541
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A