Date Received: 2021-04-18
Issue: Trouble using the card
Subissue: Trouble using the card to send money to another person
Consumer Complaint: On XX/XX/2021 i spoke with us bank focus card inquiring about a large withdrawal to purchase a new car. I went to a visa member bank as instructed by card holder services. 1st attempt was declined for a cash advance of XXXX . I attempted again at 4different banks That day and each time it was declined. I called cardholder services and Spoke with them approximately 4/5 times. And even spoke to 2 people managers. Both were not helpful with assisting me to withdraw XXXX $ of my money for an important purchase. I was told that the transaction needed to be approved to obtain my own money and would take 7 days for approval then sent out via us postal service with a wait time of 7-10 business days., also another option to do a Teller cash withdrawal/ cash advance of {$5000.00} a day. I instructed to close My account and get me a check sent via XXXX XXXX to track this item. They do not electronic transfers to outside accounts of us bank. This a scam, not a bank. I want my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/XXXX, I went to a US Bank ATM in XXXX Nebraska. I withdrew {$1000.00}, but there was an error and I didn't receive my money. I called and made a dispute on that day. As of today XX/XX/XXXX, I still have not received {$1000.00}. I called them today and they still do not have an answer to where my money is. I get this money on a prepaid debit card through unemployment. This is my only income because I lost my job during the pandemic, and now I can't pay my bills and will start acquiring late fees. If I had a choice I would never bank with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68111
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: US BANK purchased our contract on a camper sold to us by XXXX XXXX on XX/XX/2021. As of today 's date, we have been unable to register, title, or get license plates for this vehicle. In short, we've already made three payments on the US Bank loan, but can not operate the vehicle legally. We've also paid for insurance on the vehicle, which, again, can not be legally operated. We have tried multiple times to resolve this issue through various customer service reps. We get a new rep, each time, because US BANK will not freely give out contact information for the reps. US Bank will not give us a single source who will see the problem solved through fruition. Each rep makes notes, which are mostly incomplete, and then they do not follow up to see if the issues are resolved. We then contact customer service again, and the cycle repeats. XXXX XXXX collected sales tax for our state of residence, but then sent the title electronically to US Bank, who now holds an Electronic title NOT in the state of our residence. US Bank will not contact the state of our residence to initate a " State to State '' transfer of title, which would enable us to properly register and plate the camper in our state of residence. We've contacted our State MVD numerous times. They requre US Bank to contact them. We've contaced US Bank numerous times. They don't initiate contact with MVD 's, they instead require Arizona MVD to contact them ( via FAX ). Since Arizona has not used obsolite FAX communications for some years, we are stuck in an endless loop of finger pointing. In the mean time, we are paying on a camper we can not use. Most recently, US Bank has said that they will transfer this problem to their " Collateral State to State '' transfer team. However, they will not provide contact information of any kind so that we can monitor and get follow up on progress to resolve this endless loop. Transparency does not seem to be the order of the day in US Bank 's customer service structure. We have threatened to stop making payments until this issue is resolved and we can operate a vehicle which we've paid a lot of money for. But nothing seems to motivate them to resolve a problem that has lasted for more than three months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My husband and I came to us bank in XXXX kansas to close my deceased father 's account which I brought a certified death certificate to them and someone working there pretending to be the supervisor said he was alive but he has been deceased since XX/XX/XXXX. I'm my own payee and I was being told the run around that I can't get that money. I'm still waiting for this " acceptance letter '' in the mail and have no had access to the account for almost three months now. They put my father as legal guardian but he was my payee. The person who said he was alive has made it a life or death situation for me and my husband and I even went to the court house which they told me my father didn't put himself as guardian. I'm his only living child, I have no other family alive. The account is joint but I'm not allowed access to it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66044
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My bank card was fraudulently used and I filled out the fraudulently used papers I was finally sent after months of reporting the fraud. They finally sent papers I filed them out filed police report and sent back all paperwork and was told sorry no fraud was committed. When all the proof was there and I was told I would be reimbursed.a portion of my stolen money Within 10 days and was my money was never returned to my government account. My name is XXXX XXXX XXXX. My Ss number is XXXX. My address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The Bank Is US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I had a XXXX XXXX XXXX XXXX that I sold in XX/XX/XXXX. In XXXX of XXXX I sold the business property where all my bills got sent to. My XXXX had made arraignments to have the bills sent to my house. I did not get any bills sent to my house so I figured she was still getting them. I did not use the card as frequently because as I stated I sold my XXXX. In XXXX I was out of state and tried to use the card it was denied. I called the card company ( XXXX XXXX Visa ) Elan Financial Services to find out why it was denied. They stated I was 32 days past due. I said how can that be I have not received any bills and why did you not call me or email me surely you have to have by business number, this is a business card. The card was taken out in XXXX when I purchased the business from my partner and became an LLC. They said they called the number on file several times. I asked them to give me the number they called. It was not any number I recognized. They got abrupt and said well we called that number several times and left a message and the card was on hold till they received a payment. I had my bank account number and routing number and paid it in full electronically. I called the number they had on file a machine answered with this message Hi Im XXXX I am not at home please leave a message. I recognized the voice of my ex-wife. We have been divorced for over 18 years and had no way of knowing her phone number. I called the card company and spoke to a supervisor ( XXXX ) telling him the facts of the case and asked how did my ex-wifes number got put on as my credit card contact number. He did not seem to give a damn and said I should have realized that I was not receiving any invoices. I said there was the confusion with the address change you could have called my business number or sent the bill to either the old address or the new one, you did neither and arent you the slight bit curious how my ex-wifes phone was used as a contact number. His response yea thats strange. I have been in contact with Elan many times to straighten this out. I asked that all the invoices be sent to me either through email or mailed to me so that I can review them. All they did was mail me a total amount owed without any break down. I called again on XX/XX/XXXX to find out why I have not received them. I talked to a person named XXXX and she said she could not email it but would mail me and fax them to me. It has been 4 hour and still no fax. I have paid these bills in full yet I have no way to verify if they are legitimate. This has been a nightmare I have always paid my bill on time every month religiously. I am asking the CFPB to step in and hold Elan responsible to correct this and to clear up what ever damage was done to my credit rating. I feel very wronged by this and feel powerless they seem to hold all the power without any responsibility or liability. Thank for your consideration in this matter, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have never lived at XXXX XXXX XXXX XXXX, XXXX, OR. or XXXX XXXX XXXX XXXX, XXXX, OR I have never received a credit card, billing statement or late notice at my address XXXX XXXX XXXX, XXXX, WA I have asked for my original application for this card AND THEY ARE SORRY they are unable to get me that. It would show that XXXX XXXX was an AUTHORIZED USER and not a JOINT CREDIT CARD HOLDER They activated this card for him and let him change the mailing address and phone number. I am attaching my credit report showing the adverse information which will stay on my account for 7 years If you cant help me can you direct me to another agency that can help me. If not I will get an XXXX to help How did credit card companies get so much power
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98632
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX, my first Complaint ID # XXXX, US Bank informed me that " The company needs authorization from me to proceed with my complaint - there is an unauthorized third party on XXXX. '' Another response sent to XXXX from US Bank via Secure Messaging stated that US Bank was " trying to locate their client for a debit authorization. '' Once US Bank located their scammer account holder, access was denied from the fraudulent transaction in which US Bank then requested a Hold Harmless Letter be sent to them from me at XXXX XXXX ; HH Letter sent notarized directly from a XXXX Banker to US Bank on XXXX, still with no status updates or reversals to-date. I don't understand why a Debit Authorization was needed from their fraudulent US Bank account holder, but a XXXX Police Report, FBI Report, Action Fraud XXXX & XXXX Police Report have all been filed against XXXX XXXX XXXX as she impersonates an employee at XXXX XXXX in a job scam & stole my {$2600.00} USD with no trace of her. US Bank sent a message to XXXX which informed me via XXXX Secure Messaging that the case was closed but to send in a Hold Harmless Letter to US Bank for further processing in which I've followed all instruction thus far. What is the status & receipt of my Hold Harmless Letter?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: 1. I have not had access to over {$15000.00} of my own funds since XX/XX/XXXX. I reported a fraudulent charge at that time, and US Bank put a security hold on my account. I tried for months to get the hold removed, and finally it was removed in XX/XX/XXXX after I filed a complaint. Since then, I have called twice to request a card so I can access my funds. US Bank claims they mailed me a card twice, most recently on XX/XX/XXXX, yet I received nothing. All my other mail comes with no issues. Clearly, they are just not mailing the card. I believe it is their intention to deny me access to my funds. 2. The original fraudulent charge from XX/XX/XXXX was never investigated by US Bank. I filed a dispute in XXXX, and US Bank quickly closed it without investigating. I called back, and they said they needed a police report. I sent the police report, once by fax, once by mail. Still they have done nothing. The charge is still on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A