Date Received: 2021-03-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: got a letter saying that I would revive my unemployment card in 10 business days and it has been 3 weeks already
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On or around XX/XX/XXXX we applied to US Bank for a refinance on our existing mortgage we have with the company. At first and up to the point of getting the application fee there was good communication. From there it just fell apart. We provided them with all the information they ever asked for but could never get a straight answer about how the process was going. A P & L had to be in by XX/XX/XXXX, year to month prior to the loan, XXXX through XXXX which we provided. We had an appraisal done on XX/XX/XXXX. XX/XX/XXXX is when they email wanting us to review the appraisal which we did and sent correspondence stating that one area of the information was incorrect. Never heard another thing, emailed and left multiple messages to no avail. Finally on XX/XX/XXXX after threatening to file a complaint we are emailed that our loan had been cancelled. We received no notification until after it was cancelled. At this point the loan officer offered to start the process over again but " fast track '' it. Apparently he put the application into the portal that we had been using during this process and neglected to tell us that. A month later and we are at the final straw he tells us it's been sitting in there for a month. Mind you, we no longer had access to the portal once the loan was cancelled. At this point I call US Bank 's mortgage department and file a complaint with a secretary who will pass it on to management. Call back two days later because it was a weekend and they have no record of the conversation and gentleman that we spoke with was unwilling to take any further information or help in any way. That was it! We have been trying to get a refinance with a company we have had a mortgage with for over 11 years for almost 3 months. Never missed a payment or been late once. We want to make others aware and we want our {$390.00} application fee returned to us. They have cost us thousands of dollars and much headache. It is obvious that it is in the banks best interest to stall and cancel this refinance, they are making much more keeping us in our old loan. We have every email correspondence to back up all this information. XXXX XXXX XXXX XXXX ID # XXXX Mortgage Loan Officer XXXX XXXX XXXX Mortgage Loan Processor XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
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: On XX/XX/2021, I went to the US BANK at XXXX XXXX XXXX XXXX in XXXX XXXX to make a deposit of {$500.00}. Initially upon entering the crunchy bills into the ATM, it rejected the deposit and spit it back out. I then straightened the bills and re-inserted them into the machine. That is when the ATM did NOT return all of my cash to me. I immediately went inside to speak with a banker. They referred me to the US Bank 1-800 number. I filed a claim with a banker over the phone on this very same day. Fast forward 3 weeks, no response. I then called US Bank again, and was told that a claim was never filed on XX/XX/XXXX. To my confusion and frustration, the gentlemen submitted another claim for me. That was on XX/XX/XXXX. It has been beyond the 7-10 business days. I have been calling US Bank diligently these past several weeks to no avail ; getting the run around from each banker and supervisor. This is truly disappointing as I have never had such a terrible issue with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: To Whom It XXXX Concern : On XX/XX/XXXX, I received what appeared to be order confirmation emails from XXXX stating, " Dear Customer, we would like to inform you that your order has been dispatched. If you did not place this order please call us on our toll free number XXXX XXXX XXXX XXXX XXXX to report this to our fraud protection team. XXXX The name and address of the individuals receiving the XXXX purchases was included along with the arrival date of the packages, which stated " Arriving : Tomorrow ''. ) Your package is being shipped by XXXX XXXX XXXX and the tracking number is % TITLE %. Please note that a signature XXXX not be required for the delivery of the package. '' Total purchase price of the item in the first email equaled {$2400.00} minus the XXXX XXXX applied XXXX {$2000.00}, Pending Payment of {$490.00}. Total purchase price of the second set of items was {$5200.00} minus the XXXX XXXX applied of {$4000.00}, Pending Payment of {$290.00}. The names of the individuals in the XXXX confirmation emails are : XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX no zip code provided XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX At XXXX pm MST I called the number provided in the email to cancel the order. The individual XXXX XXXX accented male ) proceeded to tell me that my XXXX account had been hacked by XXXX individuals. He provided the location of each, and told me that all the hackers would be receiving the items purchased through my XXXX account, so I needed to stay on the line and act fast to cancel all the orders and return the credit used from my XXXX account back in to my account. The male individual proceeded to direct me through a process of installing an application on my phone titled " XXXX : XXXX XXXX ''. Next, he stated that in order to gain back the used credit in my XXXX account I would need to make a " dummy transfer '' from my XXXX account. He stated that this process would zero out my credit debt in XXXX and the orders would be cancelled. Then, he began remotely entering pseudo names of people to transfer money to. I then realized I was being scammed. He extracted {$990.00} + {$500.00} + {$500.00} to " XXXX XXXX '' and {$1000.00} to " XXXX XXXX ''. At XXXX pm MST I hung up and called XXXX XXXX XXXX XXXX Department immediately to report what happened. They filed the claim and began investigating the incident. XXXX XXXX Department closed my checking, savings, and credit card accounts and I opened new accounts. XX/XX/XXXX at XXXX am MST I called my local USBank branch to report the same incident. My local banker also contacted XXXX XXXX XXXX Department, and advised me to wait for the decision of XXXX XXXX to determine if further action was needed. I received letters from XXXX XXXX XXXX XXXX stating that my claim had been denied because XXXX XXXX determined that the transactions had been posted as requested. I have since been in contact with my local banker and XXXX Services who advised me to report this incident to the Federal Trade Commission and the local police department. I have done both. Thank you, in advance for considering my case. Best Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 881XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to deposit $ XXXX in cash. Now I have to wait 10 days for the money. I thought I was depositing {$500.00}, but I truly do not remember if it was {$400.00} or {$500.00}, and the branch has stated that they think it was {$400.00}. I went to the ATM to deposit {$500.00} in cash to make a time sensitive transaction online. My friend drove to a US Bank in XXXX to deposit some of the money I needed, and I drove 10 miles to go to this one to deposit {$500.00} in cash. I walked by the tellers, and put the money into the ATM like I always do, and waited. It was taking a long time, and I looking at the machine. Then I saw a sticky note on the top of the machine, " ATM is not taking cash deposits ''. I thought I may be XXXX, but little did I know the extent. I received a receipt that stated " A machine error has occured and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items. '' I told the teller about the problem, and he kindly ignored me. There were no customers at the time. I then called the XXXX number that was on the receipt. I had to listen to the recorded message, " If you are calling about a stimulus payment .... '' why any bank would subject their customers to that message is beyond me. They will make 98 customers listen to a useless and long message to weed out 2 calls. After 3-5 minutes, someone finally got on the line just as the teller decided not to ignore me anymore, and came around to speak to me. So I mistakenly told the phone banker I was getting help. The teller said they can determine how much I put in, and credit my account. Great. I waited for that to happen, and after 10 minutes, the same teller told me to call the number I had called before. I did this, and had to subject myself to that XXXX recording again. 3-5 minutes later, an online banker got on the phone and told me I would have to wait 10 days for my deposit. It is my expectations that the bank reconcile that ATM at that moment. It is my expectation that the branch and the bank do whatever they can at that moment to rectify their mistake. They didn't. The ATM Machine should have been turned off. It was still doing withdrawals, but the pain of cancelling one deposit, ( and because there was a note there, it must have been two deposits ), is so great that the inconvenience of having their customers deal with the tellers for their banking should have overridden the decision to keep it running. When a deposit of {$500.00}, or even just {$20.00}, is not handled, the bank tellers should do everything to handle the situation. There was no manager there. The teller should have said, " Wait here while I call the region manager. '' When I walked by the tellers to go to the ATM, they should have stopped me and asked if I was depositing cash. The tellers just watched this train wreck happen. I asked the tellers for the region manager 's name and number, and they said they would not provide it. They gave me the branch manager 's card. US Bank did an awful job of taking care of this situation. I am stuck with them for a few weeks, but I will be leaving them shortly. I called US Bank to get this issue resolved. I wanted to complain to the region manager. I talked with XXXX XXXX, and she would not give me a region managers number. She suggested that the only solution was to talk with XXXX XXXX, the branch manger. I want XXXX XXXX reprimanded, so calling her to reprimand herself is not very useful. I then called XXXX XXXX, and she basically said there is nothing she can do. She said the bank must keep the ATM machine running even though it is eating cash deposits. I believe that US Bank 's policy of keeping non functioning ATM 's that are eating cash deposits, with no receipt, is a major policy error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: On XX/XX/2021 I received a notice from the Colorado Department XXXX XXXX that I had applied for unemployment benefits, which I had not. I notified them through their online process that this was a mistake or fraud. My employer also notified them that this was fraud. Today I received a prepaid " Reliacard '' from US Bank. Their phone number directs me to their website, which isn't working. I need this account closed, flagged as fraud, and all further progress on this fake claim for benefits ceased. I am looking for verification as such, and US Bank is unavailable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank is still reporting me as having made late payments in XXXX and XX/XX/2018. I lived in XXXX XXXX at the time when wildfires cut off cell phone and internet access. Also, US Bank at that time did not allow me to make automatic payments from my account. I respectfully request that they remove these reports of delinquent payments as they were caused by a wide scale natural disaster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
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: There is a charge on my credit card that Im trying to dispute due to the fact that services were not rendered. Apparently US BANK states they sent me mail communication requesting additional information and I have repeatedly told them I did not receive this type of communication in the mail. Although this is a technicality issue and the dispute should continue as it is designed to you they are refusing to reopen an investigation, they have reverse the provisional credit and continue to charge me late fees and interest fees. I also did not receive any communication in the mail stating that this dispute was closed not in my favor until I received an email stating that my account was past due ... I do not carry a balance on my credit cards ever. I have continuously called US BANK and their claim representatives have told me that I now need to take up the issue with the Postal Service at is it its no longer there a problem. Due to their lack of respect for their costumers I have closed all accounts associated with this company and I am hoping that my credit reporting does not take a hit because they refused to cooperate with their customer on this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is a follow up to complaint # XXXX on credit card # XXXX issued by US Bank, where it was earlier stated and declared CLOSED. The company has failed to clarify the {$82.00} charge and the unresolved mail delays due to COVID with unreasonable fees and charges of {$300.00}. On several occasions I have tried to call a XXXX who had addressed the letter dated XX/XX/2021 but received only on XX/XX/2021. This person had no stated last name considering this is a formal letter with copy furnished to the Consumer Financial Protection Bureau. As stated the letter came from the company 's XXXX XXXX XXXX with a given telephone # XXXX. The answering Customer Service person DOES NOT KNOW OR RECOGNIZE the " XXXX XXXX XXXX '' under the Office of the President '' and I was bounced off to several sections of the bank, This situation has waisted so much of my time and caused me anxiety, raising my XXXX XXXX to medically unacceptable levels. To end this UNFAIR practices of some credit card companies, I am sending a fair 50 % of the fees to permanently close this account. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$240.00} per transaction, causing me to incur excessive out of network atm withdrawal fees. CFPB is also not allowing me to view the company 's response ( pdf attachments ) - so here 's more work for you XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A