Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There were only XXXX checks. I dont know if I downloaded the pictures properly. A fair resolution would be to release my money immediately so I can start paying my bills. They dont need to hold onto my money one day longer. Its criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for SKYPASS Select Visa Signature Card, provided by US Bank, in XX/XX/XXXX through their official website. ( https : //www.skypassvisa.comXXXX XXXX XXXX XXXX XXXX XXXX ) and received the card in early XXXX. When I applied from the website, it clearly said " Earn XXXX Bonus Miles when you spend {$5000.00} in eligible purchases within the first 90 days '' and also there was even a news release from US Bank saying the same bonus ( https : //ir.usbank.comXXXX-XXXX-skypassXXXX ) It was not a personalized offer, but a public offer accessible from anyone from the website. I met the {$5000.00} spending criteria in the first month, but when I got the first statement in XX/XX/, it appeared that I only got XXXX bonus miles. On the statement, it says " XXXX Bonus Miles with {$3000.00} Spend ''. Not only the bonus miles, but also the spending criteria was incorrect. It was a totally different offer than what was advertised. Since then, I called them several times to fix the issue ( and at least to understand what exactly happened here ) and their response was always the same ; That's the offer you got and it could be different than what's advertised. It was very disappointing to hear that and nobody provided me WHY suddenly my offer was changed without any notice. I even felt like myself being a victim of scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a XXXX gift card on XX/XX/2023 at XXXX. The gift card was issued by U.S. Bank Gift Card, but U.S. Bank failed to fulfilled the amount I purchased and voided my right to access the cash account. I tried over ten times trying to resolve this issue promptly, providing all required information such as copy of my ID, the receipt of the purchase and the gift card picture by fax, but they continously refusing my documents and keep blocking my account. I filed one complaint with the id-XXXX on XX/XX/XXXX and provide the required document again via email as instructed from the letter sent by US Bank multiple times . And they just never responded or resolved this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was lost upon leaving to my mothers funeral I called to notify and was told by us bank fraud department there was some fraud and I would be receiving temp credit and another card in the mail, eventually within a week my account was closed was given no reason but that my account could not be reopened
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: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XX/XX/XXXXXXXX -- unable to login to usbankreliacard.com with saved password and user name. Customer svce ( CS ), kept having me change it. I finally figured out on my own that I need to enter the info manually as the web site doesn't not remember your saved info like every other banking institution or company does. XX/XX/XXXX -- i finally get to my account and go to " card to bank transfer '' to transfer the entire amount ( XXXX ) to my checking account held at my local bank. I get an error message saying " the amount you enter must be greater than XXXX. '' Well, the number was greater than XXXX and here is where the saga begins. After speaking to 2 different CS reps who identify themselves as XXXX, I get to a supervisor named XXXX. She is the first one to tell me there is a dollar limit of {$1500.00} which I can withdraw everyday. I did not know that and want to move all of it at once. XXXX says she can request a " velocity increase '' for that amount, it takes 2-3 biz days and will be available on XX/XX/XXXXXXXX and then the $ won't actually clear for another 4-6 biz days. So I already get it -- how they're going to hold onto my money for as long as possible so the bank can earn the interest. In the meantime, XXXX tells me, I can transfer the maximum of {$1500.00} everyday. XX/XX/XXXXXXXX -- Friday night XXXXTRIED AND UNABLE to make the transfer of full amount as XXXX advised I would be able to do. I get to supv. XXXX. XXXX tells me XXXX made a mistake with the date. Sorry he can't do anything tonight, but he filed a complaint with the bank on my behalf because of the mistake. He credited me for the multiple fees on my acct. He said he would put in another velocity increase request ; and again, it would take 2-3 biz days. XX/XX/XXXXXXXX -- Weds TRIED AND UNABLE to make transfer of full amount. I get supv. XXXX. OOPS!!! the velocity increase was available on Tue XX/XX/XXXX at XXXX and only for 24 hours so I missed my chance! I said I would have no way of knowing any of that ; it was less than XXXX biz days and didn't know about the " 24 hour '' rule. I ask XXXX who is in charge of this velocity increase ; she said the Limit Increase Dept. but I can't speak to them. XXXX tells me it will now be ready on Monday, XX/XX/XXXX. No she can not email or inform me in any way if it will be ready on that date. XX/XX/XXXXXXXX -- Mon. TRIED AND UNABLE to make transfer of full amount. ( have begun starting to take screen photos as evidence ). XX/XX/XXXXXXXX -- Weds. I finally have time to call and supv. XXXX says OOPS! again, I missed the date it was available, which was Friday, XX/XX/XXXXXXXX ; even though that would have been less than 24 hours since my last velocity increase request, far less time than the 2-3 biz days. Again, I missed my 24-hour opportunity and no one can tell me when this would be available. XXXX now tells me all funds will be available for transfer on Friday, XXXX. XX/XX/XXXXXXXX -- Friday. TRIED AND UNABLE to make transfer of full amount. Calling customer svce beginning at XXXX multiple times, get disconnected multiple times.Then a CS rep whose name I do not have said funds would be available at XXXX that day. At XXXX FUNDS WERE UNAVAILABLE ; called again. CS rep XXXX tells me she has to update or refresh or something my account, wait for 20 minutes, and funds will be ready then. 20 mins later FUNDS WERE UNAVAILABLE. I call again. Now I'm told by a CS rep that the receiving bank has its own limits and won't accept that much . I have to call my bank. It's Friday afternoon, banks are closed and I'm working next day, so on XXXX -- Monday, while driving to my beloved father in law 's burial, I contact my bank, XXXX. They advise that there are no limits on funds they can receive. They also told me there is no evidence of any transfers or transactions that were attempted and rejected by them. XXXX -- Weds. XXXX XXXX will put in another velocity increase request for XXXX Friday at XXXX am beyond frustrated. She takes the name of my bank to make sure it will go through. XXXX -- Friday, this is today. TRIED AND UNABLE to transfer full amount. I call USBank yet again. XXXX. XXXX at XXXX says the transaction has not been approved and I should call back. I ask and she tells me there's no one else I can speak to. I ask where the US Bank corporate headquarters are located and she answered XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Every time I try to make a large payment on my card ( {$1000.00} ) The payment never goes through. It takes about a week for me to get an email stating the payment was declined. On XX/XX/XXXX I made a payment and on XX/XX/XXXX received an email from US Bank stating that the payment was posted and then a week later received an email stating it didn't go through. Same exact situation on XX/XX/XXXX, made payment and XX/XX/XXXX was sent email stating it was posted and a payment reversal was done on XX/XX/XXXX with no notification ( this doesn't seem to be an option ) and I received an email that my payment is past due on XX/XX/XXXX. Again, happened on XXXX, posted XXXX payment was reversed on XXXX and I was notified on XXXX that my payment was past due. Happened in XXXX & XXXX after I realized I was not getting notified my payment was even due. They charge absurd amounts of money for all of these issues and this is 0 % interest until XXXX Well, so they say.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80909
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: US Bank XXXX XXXX XXXX account opened on XX/XX/23. XXXX XXXX applied at this time for {$500.00} bonus after holding {$5000.00} in account for 60 days. {$5000.00} deposited XX/XX/23. No bonus credited and they say wrong code was applied, even though they admit to having a dropdown at this time where you pick the code. Screenshot of offer taken by me, bank will still not apply offer. They have also charged multiple fees for paper statements and they refuse to enroll me in paperless despite multiple attempts by me. This may be corrected now. Website will not allow me to make external transfer as I keep getting an error trying to link XXXX XXXX XXXX account with plaid. I will try again later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Ive been trying to upgrade old US bank XXXX XXXX XXXX XXXX XXXX to new XXXX XXXX XXXX XXXX. Old one has {$50.00} annual fee, new one has {$0.00} annual fee. Ive been trying to upgrade to new one since XXXX, but every time I call customer service, the representative said theres no offer for me to upgrade and told me to apply new card. If I open new card, I wont able to close old XXXX because of credit score and I would end up with XXXX credit cards, which the US bank is giving me misleading recommendation. Today I talk to manager, I asked how long it will take me to get upgrade offer and she told me there wont be offer for me in the future and told me to apply for new card to get {$0.00} annual fee XXXX XXXX XXXX XXXX XXXX. Ive been US bank skypass visa customer for long time. This isnt a right way to treat old customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 someone that had a copy of my drivers license went to a US Bank and opened a business checking account. That person whom posed as me did not have more than one form of identification, had a signature that did not match mine. US Bank was negligent and did not thoroughly check for identity. They linked this fraud checking account to my HELOC and my own checking account. On XX/XX/23, {$31000.00} was transferred out of my HELOC account and multiple transactions were made to take money out of the account over {$9000.00} has been withdrawn from my accounts. I have filed claims with US Bank. They told me it would take at least XXXX to XXXX weeks to have that money back in my account. I really need the money back in my account to pay for my bills and also being charged interest and late fees with multiple billers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2023 at XXXX XXXX XXXX time I requested a withdrawal in the amount of {$1000.00} usd plus {$3.00} fee for a total of {$1000.00} dollars from us bank branch ATM located at XXXX XXXX XXXX XXXX XXXX Or XXXX. The machine said hardware malfunction your cash has been retracted, still the machine debited my card this entire amount. I want my money returned and the bank is giving me no updates, furthermore they don't feel the situation is of urgency, nor do they want to take responsibility of their machines. Return my money to my account now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A