Date Received: 2021-07-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: One deposit of {$800.00} and withdraw of {$900.00} by transfer on same day on XXXX XXXX. Followed by approximately {$870.00}. of debit charges of 20 items. I got an alert from US Bank that a duplicate charge of {$60.00} on my checking account. I immediately called the bank .I was transferred to a fraud investigator, who transferred me to a different investigator who asked for a list of the 20 items including the transfers and then stated that she was having trouble with her computer- so transferred me to different investigator who had me repeat the whole list of fraudulent activity on my account. The bank closed my debit card and issued a new card which I got on XXXX XXXX. At this time I have not gotten information about fraudulent activity. All the fraudulent activity took place in Washington and Oregon states, after small purchase from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46158
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open a second account on XX/XX/2021 transferred XXXX dollars to the new account that day. This was with US Bank on XXXX Street in XXXX, Ky XXXX. On Friday, XX/XX/XXXX deposited a USA business paycheck from my employer. Ten percent was made available then taken away. I called the bank four times to figure out what the issue was. They placed a hold on my check and said nothing would be available until the XXXX of XXXX. The paycheck check was direct deposited in the old account for over five years. When I tried to get my check back to open an account with another bank, they refused to give me my check back. Stating a hold was placed on the Check with no good reason or explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called in today to file a dispute and spoke with a rude representative who got an attitude because I asked where I can send supporting documents in regards to the claim I was trying to file. As I explained that US Bank has a consistent issue with not providing any request for information before making a decision on a dispute claim ; I wanted to make sure I provided the information as best they can review the matter and complaint in full. She then came back to the line with a nasty attitude and immediately gave me a name to email the documents to. She started to give me the name as I asked her to wait while I grabbed a pen as she literally did not give me any warning or heads up that she was going to be providing me any information I would have to take down as soon as she felt the need to just blurt it out. As she gave me the name of the representative she did not offer any spelling at all and this name could have been spelled several different ways so for me to sit here and have to inquire as to how to spell a name for a formal legal dispute process which are within my rights under the account contract I have with US Bank in itself is a hassle as well as the federal and state rights I have to file this type of dispute. After giving me the email the agent was still extremely rude. She did not even tell me if a provisional credit would be issued, when it would or would not be issued, nor any estimated time frame on the dispute process she very quickly went into dismissing and ending the call. So now my concern is that why was this the process with previous complaints as to providing such said information and why is it not the process now as well as is this information just not going to provided to me versus being provided to other customers it poses several civil and federal class protections as to why this agent so choose to purposely neglect to provide this information as if US Bank already decided on the matter and thought the formalities were irrelevant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are XXXX!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55106
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This company claims to do and investigation into unauthorized charges to my account but does nothing. I had some company use my debit card for fraudulent charges and was given a provisional credit. Today it was reversed. Why? This company did not have my authorization to charge my debit card because I have no idea what they were charging for. The bank also did not return the overdraft fees that these fraudulent charges caused my account to be overdrawn. I really dont think they do any kind of investigation. This bank is ridiculous. They do nothing to stop fraudulent activity. I have no knowledge of what this supposed company who charges my account fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX I contacted u.s. bank reliacard regarding fraudulent transactions on my account. I was advised that I would receive the dispute forms within 5-10 business days. When I seen I hadn't received them by the 8th day I contacted them for a fax number to send a written form. The fax number I was given was XXXX, I sent in my written statement on XX/XX/XXXX. I then noticed my account hadn't been credited the amount of {$480.00} in which had been compromised to my account. On XX/XX/XXXX I received a denial letter dated XX/XX/2021 stating my claim had been denied. Based on the terms and conditions on the cardholder agreement once the form had been received by the bank ( written or sent by the bank ) within 10 business days of opening the dispute I would be credited the amount of loss. The dispute resolution team denied my claim on the sixth business day, not allowing the full 10 business days to adequately investigate or compensate my account. It also states investigations could take 180 days to be complete. I feel as though this company denied my claim prematurely in order to not have to compensate me. I have spoken to many agents and supervisors stating they would figure out what's going on and that they believe this case was not investigated. I am requesting that they provide my provisional credit of XXXX dollars and that they do a complete investigation. As required by the cardholder agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX of XXXX I was accepted into a property tax deferral program offered by the Mn XXXXXXXX XXXX XXXXXXXX. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and US BANK still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX XXXX on a XXXXXXXX XXXX house. Well, they want me to pay the full amount and this is even after the head of the program contacted US bank. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me 30 rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55128
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan is serviced by US Bank loan number XXXX and is escrowed for home owner insurance. I have never been late. I received notice that my insurance policy was about to expire I contacted US Bank directly and ask them to pay the amount of my insurance it was due immediately they indicated that they could not make payment until they received the new policy to see if there were any changes. I called the insurance company to ask them to submit the renewed policy they indicated that they can not submit the new policy until payment is made which makes total sense. I called back to US Bank and explained what the insurance company told me they said that my agent needed to send them electronically through their website an invoice and a copy of the declaration page this all occurred on XX/XX/XXXX days after my policy expired. My agent did send the information as requested. On XX/XX/XXXX I received in the mail a letter from US Bank indicating that my policy had expired and they were going to force place insurance at a significantly higher cost. I again contacted US bank as almost 2 weeks had passed from my initial communication with them and they indicated again they could not make payment without receiving an invoice. I have had many other mortgages all of the service service worked directly with the insurance company to affect the payment in a timely fashion I was caught in a catch 22 and extremely frustrated and afraid that my Policy had expired. In an effort to ensure that I still had coverage I went online to the insurance companies website and paid with my credit card which also included an {$85.00} processing fee for online payment I then had to provide proof of this payment to US Bank which is now making a duplicate payment directly to the insurance company which the insurance company will have to process to issue me a refund. All of this seems so frustrating and unfair as I feel I have done my part in making my payments in a timely fashion and it is my services responsibility to use my escrowed funds to ensure payment. This all seems like an unfair and abusive practice and at minimum is a disservice to the customers they are servicing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone attempted to open a credit card in my name with my personal information ( SSN ) to the following address which is not mine. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A