Date Received: 2023-12-15
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023 I opened up a 0 interest credit card with US Bank XXXX account number. On XX/XX/XXXX they say they mailed {$2200.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX The amount owed over 2 weeks is still showing {$4400.00} at XXXX XXXX . I have called both and they refuse to call each other or try to find out what happened to the payment. They both refuse to remedy the payment by stopping it and resissueing or imagine this, with all their digital promotion, Send it electronically. In the meantime XXXX XXXX keeps charging me 29 % credit while they wait to open up the mail. I am sure many people have this issue with XXXX XXXX. Please ask them to talk and fix it.
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: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was a customer of Union Bank in California since XXXX. I discovered in XXXX of this year, that Union would be absorbed by US Bank. Knowing this, I called both Union and US Bank to be advised on where I should pay my current Union Bank credit card. I paid it out of my Union Bank checking account as I was directed to do by both banks. I paid the amount that was due for the month on XX/XX/XXXX - {$780.00}. When Union Bank transferred all of my accounts and funds to US Bank, I saw my credit card balance was {$2200.00} which still included the amount that I had paid, {$780.00}. My payment was not credited or processed. For the last 5 months, there has been no way to contact Union Bank or a working website or any of my past emails. Since XXXX, I have been on the phone and in the offices od US Bank trying to resolve this issue. As requested by the bank, I have filed reports of findings as to what has transpired over a dozen times. Ive spent countless hours doing this. Below are key bullet points of what has conspired. 1. Made sure I Paid Union Bank credit card via website as instructed ( {$780.00} ) - XX/XX/XXXX. 2. US Bank transferred/absorbed my accounts- XX/XX/XXXX. 3. My Union Bank credit card balance did not reflect my payment when transferred to a new US Bank CC. 4. Multiple US Bank credit card and checking account managers have told me that over XXXX Union Bank customers are dealing with this same issue and that it should resolve when everything is fully integrated but it has been too long. Furthermore, the credit card managers keep sending me to the bank managers and vice versa. Nobody will take responsibility. 5. I have submitted additional reports of what has transpired and all have resulted in letters asking me for statements that I can no longer access. Union Bank is completely shut down and when I would click on a past Union Bank email it would directing me to a US Bank log in. Today, when I click on past Union Bank emails, nothing comes up. 6. Throughout this period, US Bank assured me the card would not acquire interest as this was being figured out, however, the bank did charge interest every month and I had to continually call to get the interest taken off. 7. I have transferred my US Bank credit card to another bank card to avoid further interest charges. Again, I paid my monthly credit card amount due and the amount was not credited. 8. I finally contact XXXX XXXX, XXXX XXXX XXXX President to get help on XX/XX/XXXX. After two months, all he did was send it to another Branch Manager who has no idea how to solve the problem. In the past, they blame the credit card company. It is clearly the fault of US Bank/Union merger as records were lost. 9. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: In XXXX, 2023 I received a prepaid Visa Gift Card for {$500.00} from a friend. In XXXX there were apparently multiple fraudulent charges using the card. I did not realize this until XXXX when I first used the card for several purchases. It was when I decided to see what the remaining balance was I learned about the fraudulent charges. In XXXX I contacted the US Bank XXXX card folks and explained the situation. They agreed to research it and eventually sent me a replacement card for {$110.00}. I received the card and activated it on XX/XX/XXXX, but have yet to use it. I re-contacted them because there was still {$100.00} missing on the card, and eventually after faxing to them the front and back of the replacement card and my drivers license they sent a letter dated XX/XX/2023 telling me they had made a final determination regarding my claim and that another card for {$100.00} would come out to me in XXXX business days. I have yet to receive it. And I still can not use the first replacement card they sent, or access the on-line details they keep telling me to use. At their request I have faxed the above referenced information to them seven times, and recently sent it via USPS as well. I'm not getting anywhere, and truly appreciate your help in this matter. Every time I call I'm told to fax the same info and call back in 7 days. Then we go around again. I'm due to call them next Tuesday, XX/XX/XXXX. I'm not sure I'll bother, but then they owe me {$210.00}, and they know it. At one point a representative actually gave me the address where she said a replacement card was sent ( to me presumably ) at an address in XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I've no idea if this happened or who got it but the address she provided was XXXX I've never heard of, and certainly didn't provide to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 058XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Us bank let me cash a check and have ne the funds but then said they could not cash the check and mailed it to my ex boyfriend and he cashed the check and didn't give me the funds so my account became overdrawn. The reason I out the vheck in my account is because they said it would be OK. I spe t an hour on phone with them making sure that it would be ok.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Below is a description of the incident explaining how I became a bitcoin ATM victim, which was stated in my IC3 complaint I filed with the FBI on XX/XX/XXXX, the day after I lost {$19000.00} from my money market account ( " savings account '' ) at US Bank. I have yet to receive any response from the FBI regarding my IC3 complaint. On XX/XX/XXXX, I called the US Bank Fraud Dept and verbally reported a fraud claim and on XX/XX/XXXX, I submitted a written fraud claim form to US Bank together with a copy pf my IC3 complaint and other related supporting documents. On XX/XX/XXXX, I called US Bank to check the status of my fraud claim and was told by a fraud investigator that my claim was denied because I withdrew the money from my savings account. In response, I told her that I was under DURESS when I withdrew my money and that I did it to save my money, {$20000.00}, at my savings account. And I told the fraud investigator at US Bank that there was no single security alet sent to me by US Bank when my savings account was compromised by hackers/ scammers on XX/XX/XXXX and that had I received a single security alert from US Bank XXXX I could have avoided being a victim of this so-called bitcoin ATM scam. Below is what I stated when I filed my IC3 complaint with the FBI on XX/XX/XXXX. My name is XXXX XXXX XXXX, and I am an XXXX with offices in XXXX XXXX, California. My office address is XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I am filing this complaint because as a victim of computer data breaches, bank fraud and Bitcoin ATM scam, I lost {$19000.00} to a group of scammers on XX/XX/XXXX. On XX/XX/XXXX, at XXXX am, while working at my office, my desktop computer was locked all of a sudden and stopped working with a warning sign of data breaches and hacking alert. The warning sign says that I should not close the screen and contact XXXX at XXXX XXXX to fix the problems. I called ( from my cell phone ) XXXX at the number provided in the warning notice and was able to connect with a lady named XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Employee ID : XXXX. XXXX guided me through the whole process to fix the problems for 2-3 hours. She gave me her name, her XXXX Employee ID number and secure phone line number, which is XXXX and told me to reach out to you if I have any more securtiy problems. XXXX also told me that she would serach for any financial hacking. Soon thereafter XXXX informed me that hackers gained access to my U.S. Bank money market account and suggested me that I should talk to the Fraud Department of US Bank. She requested me to give her US bank phone number. She told me to find the bank phone number from my US bank debit card. After I gave her the US bank phone number, she directly called US Bank to connect me with the Fraud Dept. I was not given a chance to directly call the Fraud Dept. From that point on, I was transferred to XXXX 's secure phone line number listed above ( XXXX ). While I was on the phone, a guy started talking to me by introducing himself as an employee with the US Bank Fraud Department. He warned me that hackers contacted the US Bank at XXXX XXXX on XX/XX/XXXX to have access to my money market account to withdraw {$20000.00} for the purchase of Bitcoins. US Bank, once verifying all personal information about me, was ready to authorize their {$20000.00} withdrawal request. When I asked him what his name is, he said his name is XXXX XXXX. Yesterday, XX/XX/XXXX, when I reported this incident to the Fraud Dept. of US Bank, I asked a lady named XXXX if a XXXX XXXX works at the Fraud Dept. I was told there is no such person working at the fraud department. This guy, XXXX XXXX, brought another lady to this scam alleging she's working for the FTC. She told me to buy bitcoins with {$20000.00} I withdrew from my bank account no later than XX/XX/XXXX not to lose {$20000.00} at my US Bank money market account. I followed their nstructions and went to US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX mile away from my office and withdrew {$20000.00} in cash. And the lady allegedly working for the FTC asked me to go to a XXXX Bitcoin ATM located at XXXX XXXX XXXX XXXX, LA. When I got there, XXXX XXXX started giving me the instructions about how to buy bitcoins from a ATM and around XXXX XXXX. tht were sent to a wallet OR Code XXXX XXXX emailed to me. At the time, I did not know what a waller is for because I had never purchased bitcoin before. After I got home from XXXX Bitcoin ATM, I became suspicious about the three persons I had dealt with for several hours in the afternoon and called the secure phone line XXXX employee XXXX gave me, but no one answered. Late at night, I sent a text message to XXXX asking for cancellation of my bitcoin purchase transaction and the next day I received a text message from XXXX that this transaction became final. On XX/XX/XXXX, I called US Bank and verbally reported this incident to the Fraud Department and I also called XXXX to verify that a lady named XXXX XXXX is working for XXXX. I have not received any ansewers to this question from XXXX. __________________________________________________________________ XXXX Complaint Financial Transaction ( s ) Transaction Type : VirtualCurrency Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Was the money sent? Yes Victim Bank Name : US Bank Recipient Bank Name : XXXX Bitcoin ATM Recipient Account : Wallet Number : XXXX XXXX I would agree to have the CFPB publish my case only after my personal information is deleted. Please check with the FBI whether they have reviewed my IC3 complaint. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a new Smartly Checking account with US Bank after clicking through an online promo code for new US Bank customers promising {$500.00} for opening the checking account. Over the course of the next few months, I spent many valuable hours completing each step that was required in order to fulfill the bonus, including 1 ) open an account with a minimum of {$25.00} ( completed XX/XX/XXXX ). 2 ) Enroll in online banking or the US Bank app ( completed XX/XX/XXXX ). 3 ) Direct deposit at least {$6000.00} within 90 days of opening the account : I had my employer direct deposit my paycheck into the account, and the following deposits were made : XX/XX/XXXX : {$2400.00} ; XX/XX/XXXX : {$2200.00} ; XX/XX/XXXX : {$2100.00} ; XX/XX/XXXX : {$2100.00}. This totaled {$8900.00} and was within 60 days of opening the account. 4 ) Make at least 10 debit transactions ; this was completed within the specified time limit. In addition to these steps, all other requirements for obtaining the bonus were completed, and were time consuming. Despite this, over the course of XXXX, I have called US Bank at least 6 times to request that the bonus be filled, most recently on XX/XX/XXXX, and prior to that, XX/XX/XXXX, but also many times in Q2 and Q3 of XXXX. Every time I have called, I have been told that I did fulfill every term of the promotion and the agent has shared that he or she does not know why I did not get the promotional bonus yet. One agent said he has sent an immediate request to the promotions department to fulfill the promotion. After a series of calls throughout XXXX, each time speaking with US Bank customer service agents who do not know how to address the matter and can not understand why I haven't received the bonus yet, finally on XX/XX/XXXX the customer service agent 's supervisor told her that I did not receive the bonus because the promotion was only for " targeted '' customers and I was not targeted. However, I clicked on a US bank promotion through an online ad, which is the very definition of target marketing. Therefore, US Bank is both employing false advertising and engaged in deceptive business practices. Furthermore, the corporate office is creating an unfair situation for customer service agents who have no information as to how to solve customers ' complaints regarding the deceptive new checking account bonus promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited my XXXX check from my XXXX XXXX they placed a hold on it which is fine..XXXX XXXX check cleared XX/XX/XXXX I went in they closed my acct that's fine but placed a hold on interested money XXXX I went in after they closed acct XX/XX/XXXX to get money they can't release my money because it's in a general ledger acct ..which XXXX XXXX could not tell me qhy nor qould she help me resolve this to get my.money .this is us bank XXXX XXXX XXXX XXXX ..they have XXXX which I need now my.mortgage and bills are late and Noone is helping me get my money which the Che k cleared XX/XX/XXXX it's now XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Start as XX/XX/2022 to XX/XX/2022. I had wire to XXXX account in the City Of XXXX XXXX, California XXXX. To invest in XXXX total amount is {$140000.00} from two banks. {$120000.00} from Union Bank ( which is sold the business to US Bank now and {$20000.00} from XXXX XXXX. So many time, I requested return these wired, but it failure. I request to use bank protect to solve the situations but they refused. They said that the beneficial bank wouldn't reply and said that " nothing we couldn't do and close all these files ''. I went to the banks wire them to XXXX account and transfer them to XXXX wallet, from here the scammer ( s ) withdrawal my fund. The scammer ( s ) who is located in the XXXX wallet, keep directed me around with all these fault information, I was put my trusted in them, because they are work big name Companies beside they have these account high tech to communicate ( they should registered ). After I requested to withdrawal my fund, they asked me to pay for the capital gain tax too. I was confused because I made any profit yet. They keep push me to send more money in to release my principle. I had to get the loan from my business and all credit cards that I have as that time. After all the trouble. I could not able to withdrawal either. After few days they block me shut the website down. I believed these Companies should protect the customers not these scammer ( s ). And help me to solve my situation and catch the scammer ( s ) These Companies who had all this licenses to operation and protect the customers NOT the scammers. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint against U.S. Bank National Association regarding the unjustified hold placed on my checking accounts, linked to VISA debit cards ending in XXXX and XXXX, under account numbers XXXX and XXXX, respectively. On XX/XX/2023, at XXXXXXXX XXXX XXXX XXXX XXXX, I attempted to make an online purchase using my XXXX debit card ending in XXXX, only to find that the transaction was declined multiple times. Subsequently, I attempted to use my alternative debit card ending in XXXX, only to encounter the same issue. Alarmed by this situation, I promptly contacted U.S. Bank 's Cardmember service team for clarification. The banker informed me that the hold was initiated on XX/XX/2023, without providing any substantive explanation or documenting any actions on my part that may have warranted such action. As these funds are crucial for my day-to-day living expenses, the lack of transparency and immediate access to my accounts is a matter of utmost concern. I am left without a logical explanation for the hold, and the urgency of this situation requires an immediate resolution to avoid disruption to my daily life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: account # XXXX US Bank They closed my account but i never received the money what i have on my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A