Date Received: 2021-03-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was told to send the front and back copy of the prepaid visa card {$100.00} and receipt from XXXX 's where i bought it, so i did in XX/XX/2020. I faxed it together with the copy of my Driver License, receipt and proof of address. They said I should have the replacement Visa prepaid in 90 days. It is already more than 100 days and I have not received any.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2021 I made a {$27000.00} payment toward a new vehicle loan with US Bank. The total value of the loan was approximately {$29000.00}. US Bank withdrew {$27000.00} from my XXXX XXXX account TWICE, taking a total of {$54000.00} dollars. I have been in contact with US Bank at least three times a week since, and have been promised the money will be returned " in time '', and I simply have to wait. It has been three weeks, and I don't believe it is reasonable I should continue to have my funds withheld. Additionally, I have not received even an apology, or any indication I will be compensated for the interest I am losing on this money. However, I am continuing to to get invoices for my next monthly payment! I have filed a complaint with US Bank several times, each time being told someone would follow-up with me in 24-48 hours. I have never received a response. I don't believe US Bank intends to respond. I was originally told US Bank would return the funds last week via XXXX, and that did not happen. Supposedly a check has been issued, but it may have been placed in regular mail. US Bank clearly demonstrates it sees no urgency in returning these funds. I would like to receive a pay-off amount, without penalty, and close this loan. I do not wish to do business with US Bank any more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am trying to refinance my mortgage with a different company and when the lender pulled my credit report, US Bank reported incorrectly on the credit bureau that my mortgage payment is not current and this has affected me in a negative way in refinancing process. I am current on my mortgage payment. The lender in which I am trying to refinance is asking for a letter from US Bank stating that I was not late in my payments for more than 30 days in the past 12 months and my next payment due date is. I contacted US Bank on Friday XX/XX/XXXX and provided them a fax number to where the letter need to be sent to. I was told that a rush request were submitted for the letter to be sent within 48-72 hours. I contacted US Bank again the next day inquiring about the letter, the representative I spoke with stated there was no note about the rush request. The representative emailed me and the lender of my 12 months mortgage payment history which was not the lender was asking for. That letter is what the refinance lender is asking for and US Bank is dragging its feet to provide a solution in fixing the problem it had created.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: US bank has taken many illegal overdraft fees from me. I have called them multiple times about this issue and nobody cares. I have multiple peers with the same issue, and they all have closed down their US bank accounts because of both my experience and their experiences. US bank purposely withholds funds from going through and doesn't properly show the correct banking balance in order to charge overdraft fees. I have the setting turned on to prevent this. They also wouldn't allow me to turn off a setting that transferred {$100.00} each week when I continuously turned it off. It would send my account into the negatives on purpose. US bank targets young college aged students because they think we are stupid, but evident illegal tactics are being involved. This illegal tactic has taken over {$1000.00} from me and they won't allow me to close down my account and file a settlement. I will continue to tell people to leave US bank to protect their funds until my problem is solved. All I know is I do not have the same problem with XXXX XXXX XXXX, they are a fair bank and way better than US bank who likes to cheat their customers out of money during COVID when everyone is already struggling financially. It makes me sick.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I closed my checking account with U.S.Bank on XX/XX/XXXX because someone was siphoning money from it. Everyone I spoke with at the bank told me I had to speak with someone in the Fraud Department. After a few weeks of trying to getany help, while I was losing money, I went to the XXXX branch and told XXXX XXXX, to close both accounts. He said he was sorry and that the accounts were closed. I took the cashier 's checks and left.XX/XX/XXXX, I receiveda notice of insufficientfunds due to the activity exceeding itsbalance. I called them because I don't have any accounts with them anymore. Turns out, not only did they not completely close it ( Its been in the process of closing since XX/XX/XXXX ) but my stimulus check of {$600.00} was deposited in it.When I called the number on the back of the notice, the woman told me I had to speak to the Fraud Department. I told her I had tried for weeks to get anyone on the phone from that dept. and I was on hold for over an hour each time and then it hung up on me saying no one was available. She got XXXX. from the Fraud Department on the phone ( he refused to give me his last name saying people could look him up on the internet and find him ... he seriously said that ). He said I had to make a claim for every fraudulent transaction- since each time they took XXXX or XXXX dollars out, he said it would take a very long time ''. I told him this was not my problem since my account should have been closed as of XX/XX/XXXX and I wanted my {$600.00} within 10 days or I would be contacting a lawyer. He said they should be able to do that but I would have to sign an affidavit. I had no problem with that thinking it wouldindicate what actually happened. The " affidavit '' was a form letter to be filled out about an electronic fund transfer ( ACH ) transaction I have examined to be in error and it required me to list each ACH, the date each one posted, and the amount. I certainly havent examined anything since closing the account back in XX/XX/XXXX nor do I have access to it to fill the form out appropriately. I responded by email explaining this and provided a written explanation of the identity theft regarding this account. I dont consider it my account anymore because I relinquished ownership of it when I told them to close it.I did not bother to delete the account information from my bills online since it was supposed to be closed. Twice- once in XX/XX/XXXX and once early this month, I clicked on the wrong account, clicking on my old US Bank checking account to pay a bill but I quickly chose my current checking account to use instead. I noticed a week after I spoke with XXXX, the credit to both accounts were applied retroactively. I received a notice a few days later that there was a positive balance of {$100.00} after {$500.00} had been credited to my credit card. I went to the XXXX branch and I spoke with XXXX XXXX. She said there was a negative balance and multiple fraud claims attributed to the account and that is was now frozen. She said there was nothing she could do until the Fraud Department resolved the claims. She gave me her card and said to call her if I couldnt get a hold of anyone in that dept. I then spoke with XXXX in the Fraud Department He said this account should have been closed in XX/XX/XXXX and he was very sorry they didnt do so. He said there was ( again ) nothing he could do until all the claims were resolved. Last week, I received 3 letters on the same day. One that stated that the account has been overdrawn by {$210.00} for at least 5 days and I should make a deposit as soon as possible. And the other two were identical stating that they received my claim dated XX/XX/XXXX regarding an electronic fund transfer that you believe to be in error or otherwise unauthorized. They stated for me to be eligible for provisional credit, they must receive my claim in writing within 10 days. With the letters was the same affidavit I refused to sign before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX of XXXX, I filed a dispute for a charge that I did not authorize XXXX {$350.00} XXXX. Shortly after, I received the provisional credit. I proceeded to close that account and open a new one at the same institution and transfer the provisional credit over to the new account. Maybe a few weeks later, the merchant sent a refund to the debit card, but the card and the associated checking account were closed. After speaking to the bank, the funds were evidently rejected from the card and were applied to the closed bank account. US Bank then denied the fraud claim and tried to deduct the provisional credit from the closed bank account. This may be a timing issue, but the merchant refund may not have been applied to the closed account until after the bank tried to debit the {$350.00}. The account was then charged off with a {$30.00} charge off fee sometime in XXXX. I received notification from the bank ( I no longer have ) that the merchant sent a refund and they would debit the provisional credit. I figured the account would zero out, but that did not happen. I was told someone with the proper authority ( I presume they meant a case processor ) will need to reconcile the account to zero it out and remove the charge off. On XX/XX/XXXX, I received a call from a XXXX XXXX representing US Bank about this charge off. I then made my first of four calls to US Bank the same day to get this resolved. - XX/XX/XXXX was a 47 minute call, spoke to 4 ( maybe 5 XXXX, with one putting me on hold in the middle of me talking, different people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 37 second call, spoke to no one. Hold times were in excess of 30 mins so I hung up and decided to try again next day - No Resolution - XX/XX/XXXX was a 1 hour and 7 minute call, spoke to maybe 3 people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 12 minute call, spoke to 2 people. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 37 minute call, spoke to 3 people through the request of escalation. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I refused a call-back and was told there were no other avenues to resolve this issue. I was told a request would be made to the XXXX XXXX and I should receive a letter in 7-10 business days if a solution could be found - No Resolution One major customer service issue I felt was everyone, but one person was apathetic to this. I did not get the feeling this was all that important, given the amount of times I was pushed off to someone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: U.S. Bank is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with XXXX XXXX XXXX ( Now U.S. Bank ). XXXX had been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, they have taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted US Bank today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. US Bank has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that US Bank has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from US Bank stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and US Bank is dragging its feet to provide that letter to the lender. I want US Bank to fix this ASAP. Thank you for looking into this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX, us bank and XXXX XXXX XXXX as of XXXX XXXX reports charge offs and don't have my mailing address correct as of 5 months ago.I want these charge offs disputed. Thanks for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: We have tried to resolve the fact that US Bank placed charges on our account that they said that I, XXXX XXXX XXXX, signed for. They do not have any records of me ever signing for this credit for any charges to go on it. After trying to get some resolution and no one ever calling me back, they put that I would not pay on my consumer report ( bad marks ). I since have tried to get this resolved. This is like a XXXX XXXX scam. Any time I try to ask for someone to speak to, I get a paper in the mail to fill out and send back to them and no one replies. Again, this is totally a XXXX XXXX scam! Please help! My credit is now bad because of this scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A