Date Received: 2023-12-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a U.S. Bank personal checking account. On XX/XX/2023 I transferred money into that account using an ACH transfer. After that I changed my email address for being able to use XXXX. At this point U.S. Bank closed the account and claim that the account was closed due to concerns about Fraud and they have never returned my money. I have been speaking to XXXX at the XXXX XXXX XXXX in XXXX XXXX, MO, ( Tel : XXXX ) and all she can tell me is that the account was closed by the company and she can not tell me exactly why the account was closed and when I can get my money back. I have repeatedly asked to speak to a supervisor or someone else who can escalate this matter, but I have been consistently stonewalled. I have asked to be able to have email communication with someone and even that request has been denied. She can not even send me a letter detailing the concerns and the way to resolve them. It is now almost XXXX months and I am out of ideas as to how to get my money back.
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: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a business credit card through my bank that is issued by Elan Financial Services. This is a new account. I used Elan 's website to set up notifications and alerts. These did not work as their system was experiencing errors. I contacted their support team multiple times to reverse the late payment fee of {$39.00} and explained it was related to a system failing to work as they represented. They refused to reverse the charge. The {$39.00} fee was for a XX/XX/2023 statement had a minimum payment of {$110.00} due by XX/XX/2023. I paid as soon as I realized the error. I then paid the next month 30 days early. Their notification system was still showing errors at that time ( attached ). Other consumers have complained because they go to make payments on the due date only to find out you can not pay after XXXX, which is an odd rule. In short, I relied upon their software to send me alerts and payment due notices and it did not work and they refused to refund the fee. I will note that they have been migrating their software to a new system and are aware of technical issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67218
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I got instructions from roofing company to wire them {$6400.00}. I went to US bank branch and did so. After transaction, called the company and they told me it was fraud. Immediately, I came to branch and let them know. They called wiring department and let them know to not approve the transaction. The teller told me that, they were able to cancel it ( everything happened less than 10 minutes after transaction ). Afternoon around XXXX, I called wiring department to confirm as well, I was in line for a long time and finally a customer service answered and they told me money has gone. The customer service was rude and he hung up on me. Again I had to call again, be in the line for someone to respond, while time is essence. Finally someone helped me to file a swift back request for the receiving bank with no guarantee. US bank could stop this fraudulent wire, from the beginning that bank teller let them know within 10 minutes, from the wrong assurance that the transaction is stopped and then bad customer service representative who hung up on me, instead of acting fast. Very disappointed at US bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ I was attempting to buy car parts from XXXX. This was my first ever time using XXXX to make a purchase. I had made the first payment of XXXX $ and then XXXX $ for shipping. They sent me tracking number and label as well, however it was false. Once all of that was sent, they told me I had to pay an XXXX $ insurance fee. They promised all fees I sent would be refunded as my packaged would be arrived. After, they requested an XXXX $ city permit fee, which would be refunded as well. I sent that as well, because I believed it would have been refunded. It was also XXXX $ to protect my package since it was labeled as 'discrete ' by the sender. The last payment was a refund request fee. They said if I paid XXXX XXXX the refund process would be initiated immediately. I then sent that over in hopes of getting my refund soon. The website used to contact me all this was XXXX XXXX XXXXXXXX The contacted me via message on the site. They was the ones who gave me updates on the 'package '' Once I sent the last refund request fee, they blocked me and did not send me any package nor refund. I started my claim with the bank XX/XX/23. I am with US BANK. I ended up closing my account and opening new bank cards to avoid any potential threats. They then denied all the disputes on XX/XX/23. I am willing to send proof of conversations exchanged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89169
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XX/XX/2023, I contacted Elan Financial Services and asked for credit increase via phone. Later that month, I received a denial letter dated XXXX. On XXXX at XXXX my XXXX point of contact person was XXXX XXXX Billing Dept., I requested an increase. Increase was denied again Thereafter, I spoke with the underwriter, XXXX, for increase in unlimited credit. Increase was denied again. It is now XX/XX/XXXX and the correspondence letter for all fact findings involved in denial of increase, from the company has not been granted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I see a lot unidentified inquiries on my credit profile I did not apply for and I want to fix this on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Charges from XXXX began appearing on my XXXX credit card. I have since learned that one of the charges may be a subscription. I do not, and have NEVER, had a XXXX subscription that I knowingly signed up for. There have been other, larger charges too. US Bank has been very good at blocking the charges, refunding the charges to my account, and EACH TIME THEY CANCEL MY CREDIT CARD AND REISSUE ANOTHER CARD. This has happened four times. I am now on my 5th card because of this issue. I have spent hours on the phone, in person and on the internet with US Bank and XXXX. I have not been able to crack the XXXX code to find what they are billing me for. You can not resolve this issue on the phone. A recording directs you to their website. You have to have an account number and must sign on with the device you used to set up the account. I have neither of these. US Bank has advised me that when XXXX closes a credit card, they give the new, re-issued credit card number to XXXX and that's why new XXXX charges appear even though I have closed my credit card. US Bank has told me there is nothing else they can do. How can this be cost effective to US Bank. Do they not garner fees from this credit card. How do I get these charges to stop and how can I prevent XXXX from giving out my new credit card number? How many people does XXXX scam like this??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I bought airlines ticket from XXXX XXXX XXXX to go to XXXX XXXX. I arrived XXXX but my 2 suitcase did not. I field a report with XXXX XXXX at XXXX airport. 6 days later my 2 suitcase was found and shipped to the address I was staying in but was damaged and missing items. I reported that to the airlines when I returned back home in XXXX but they denied my claim. I reached to my Credit card company US Bank and the refuse to dispute the charges because I used the ticket to travel but I am disputing the misses handling my the delay, damage and missing items. I received no help or compensation from the air lines. I spoke with my travel agency and they said I should get compensation for the delay damage and missing items. More than 6 reversative from the travel agency has contacted the airlines but no one was able to get any respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX I received a call from a woman that said she was from US Bank fraud dept. Did I spend {$300.00} in Idaho? I said no ( but I just had been in Idaho ) She said your account has been tempered with and you are going to have to put a new ID and Password on your account. " I need to send you a code to verify it is you ''. US Bank always does that if I put in wrong password. Then she sent a code to my cell phone and said you are going to have to redo your app too. Delete your app and put a new one. " We want to protect so this doesnt happen again.? She asked me a couple of questions like secret questions I said " don't you have that there? she yes I need to protect you and change those. She was taking so long and I said " why is this taking so long '' she said it is my connection. Please be patient, this has happened to me too and I work in the fraud dept. When I hung up the US Bank sent a text that said " we just approved {$6000.00} on your credit card '' '' I called immediately and the bank told me it was a fraud and that they would put a hold on my account and to call the fraud dept in the morning. One of my friends called me and said " what is wrong with your phone I called and a man answered ( she called me on my landline. another friend called and said your mail box is full. I said " really I just called to check messages and it said I didn't have any. I went to Bank the next day Saturday and the manager XXXX XXXX pulled up all my transactions because usually they are not posted until Monday and there was a wire charge for {$30.00}. I said I have never sent a wire in my life. I also have never used the credit card. There was a cash advance for {$3100.00} and another for XXXX minutes apart. the bank told me that he would give me back the wire money and in the meantime the fraud dept would do an investigation. I was told to go to XXXX to have phone checked to see if there was any suspicious apps put on my phone. I went to XXXX the next day and XXXX found that there was a forwarding of all my calls to a XXXX money sent to XXXX XXXX XXXX XXXX to a XXXX XXXX. I do not know this person nor did I sent this wird. US Bank was denying my claim because came out of my checking account with my name on it. Since then there has been denial letters sent but I have not stopped calling fraud dept and putting claims in to XXXX and XXXX XXXX and police dept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92115
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have 3 US Bank Business credit cards. The way the online system is setup - it's way too confusing for anybody to understand how to make payment?, what is the balance? and is there any fees being charged or not? For more than 6 months, I suffered from this. Finally US Bank assured me that they will make a separate billing for all the business credit cards but nothing was done. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like XXXX and XXXX XXXX. But even i can not get how to deal with this US Bank. 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.
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: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A