Date Received: 2023-12-08
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Today is the XXXX XXXX of XXXX I am sitting in my vehicle as we speak it is XXXX XXXX. My car is on a tow hook and they are stealing my vehicle causing commotion outside harassment. XXXX has been harassing me and now stealing the vehicle which is against the law which Ive stating in previous complaints. US BANK XXXX XXXX AND XXXX ARE VIOLATING THE LAW!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
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: Managing an account
Subissue: Fee problem
Consumer Complaint: After opening this free checking account for XXXX XXXX, I was not able to perform online transaction without a PIN number. Customer Service stated that they would mail me the no. I never received it. I had to call several more times but in the meantime I got a dormant account penalty of {$5.00}. On XXXX. I called local XXXX, Mo. branch and talked to XXXX XXXX and he told me that he would have the bank manager reimburse me the {$5.00}. Then on XXXX I checked for the reimbursement and found out not only was it not taken off but an additional {$5.00}. Was placed onto my account which made {$10.00}. Dormant fees for an account that I couldnt use because they never would send me the PIN number. I talked to XXXX at XXXX branch and he promised me that the XXXX. Would be reimbursed but it never was. I went to the bank branch on XXXX and asked XXXX again to refund me and he said that he could not. I had to close the account to keep from taking more of my money. I feel like it was not dormant but I was not able to transfer funds into it without the PIN That they would not help me get.- it was their fault and they stole my {$10.00} from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64068
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Prior on XX/XX/XXXX of XXXX I received a flyer Solicitation from US bank with A promotional bonus for new opening checking accounts with one of several conditions that come with it. One of the conditions is that no existing of checking or Savings accounts with US bank to be eligible, which I am. Second conditions is that a new money of deposit much from other banks accept any pre existing accounts US bank, which I'm I don't any previous accounts with US bank prior to this promotion My only goal is to go forward with this promotional and get the bous. And one more catching new policy that I can open a new checking account online without the need to go to the branch in person to do it. Raised my curiosity so I was skeptic I decided to give it a try. So on XX/XX/2023 I went online to opened a checking successfully and I have 30 days to fulfilled a new money deposits from my other accounts that is not a prious or existing with US bank. I transfer more than it's required in the next 30 days. The problems that's I find out later of my Denial of my bonus was not even my mistake. It's was the bank AI software Mal function on purposed that the bank not willing to admit .Shames on You. Here is the the listed of problems I encountered when I went online to open an account. After I successfully opened my new bussiness checking acount. After few minutes later or hours the AI software started on its own and created an additional 3 or 4 checking account which included personal checking which I am not authorized. At this time I was not paying attention to these activities I thought it was same account. So my transfered deposit got splits up into these new several accounts accounts. So I called customer service on the phone to reported the problem. They didn't seem to be helpful or knowledgeable and aware about this problem situation that I am going through at this time. They did not give me any advice how to sloved the problem which later on they used this reason against me to denying my bonus. The reason was, when I tried to corrected the problem that the AI software created these additional accounts without my permission. I tried to close these accounts by transferring the money back to the correct account to begin with. And now the bank used this reason against me that is not my mistake. The Bank have theses proof of my statement is true and honest. Phone conversation recorded recorded. AI software tracked recorded of unauthorized open checking accounts. I want my bonus that I deserved Mail to me. I will take further legal action if I have to.this is not going away easy. So I learned from XXXX filed complaints about these deceptive practices. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I went to the US Bank location in XXXX XXXX, NV to cash a check. After I cashed the check, I wanted to put a portion of the money into one of my checking accounts. Instead of going back into the bank, I decided to use the drive through ATM to deposit {$2700.00}. When I put the cash into the machine, I received an error code and the money was not deposited into my accounts or given back to me. I immediately parked my vehicle and walked back into the branch and explain what had just occurred to one of the employees of US Bank. The employee informed me that it was a new ATM machine and some other people had some issues with it as well. She informed me that the branch manager would take a look at my request and expedite the funds into my account. That would take about 2 days before the money would be available to me. After 2 days, the money did appear in my checking account. Fast forward to XX/XX/XXXX and I noticed on my mobile banking app that the checking account I had closed a couple weeks earlier had reappeared on my app dashboard with an amount of - {$2600.00}. After calling US Bank 's customer service, it turns out that US Bank launched an internal investigation into the dispute and the funds they had given me were " provisional '' funds. The investigation came to the conclusion that I had only deposited {$100.00} into their ATM machine. They came to this conclusion by counting the machine and stating that the amount of {$2700.00} that I stated I deposited did not match the amount of money they counted in the machine at the end of that business day. According to US Banks customer service, I owed US Bank {$2600.00} to make up for the " provisional '' funds they had gave me. After I was informed with this, I stated that I wanted all the documentation on their investigation, all the video footage they had of me, all the error codes they had one that machine that day, and much more information. The US Bank rep informed me that I needed to send an email to XXXX and that they would send me everything I was asking for. I then went physically into XXXX XXXX branch and spoke to the same employee who cashed my initial check and filed the dispute for me to receive my funds. She tried to get her branch manager involved but the manager was on the phone the entire time dealing with another situation. I was told that they both would look into this matter and get back to me by end of day on XX/XX/2023. After not hearing anything back from XXXX for 4 business days, I sent a follow up email on the morning of XX/XX/XXXX asking again for them to send me all the information I had previously asked for. On top of that, I received a phone call from the employee at XXXX on XX/XX/XXXX stating that her and the branch manager still didn't have any answers for me and that I would hear back from them early in the week of XX/XX/XXXX. In that same phone call, the employee started asking me what I did with those funds and why I moved them along with why I closed my checking account down. The reasoning for closing the account was due to the fact that my wife opened her own US Bank account and we transferred some of the funds from my account into hers. When you don't have at least {$1500.00} in your account, US Bank will start charging a monthly maintenance fee which didn't make since for me to continue having that checking account open. It is now day 6 of finding out about this investigation and seeing an over withdrawal in my account with no one from US Bank able to provide with with anything I have asked for other than informing me that I need to replenish the {$2600.00} that they expedited to me. On XX/XX/XXXX, I received a phone call from US Bank 's XXXX XXXX branch stating that their department and the third party that investigated this claim were no longer moving forward with their investigation and that they were stating that I only put in {$100.00} as their final verdict. Still no documentation was given to me as of XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a saving account online with US bank XX/XX/XXXX and decide to cancel it today XX/XX/XXXX, I called them and both the agent and her supervisor told me I need to go to a branch to close it. But I opened it online and there is no branch in my area. they suggest I fly to a city with their branch to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77505
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My business and personal account was close for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a Fidelity Rewards Visa Signature credit card account in XX/XX/XXXX in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX, I deposited a check for {$860.00} to my checking account at the XXXX XXXX XXXX XXXX. I also requested {$500.00} cash at the time, resulting in a net deposit of {$360.00}. The teller, XXXX XXXX, gave me the receipt upon completion on the transaction, but I did not initially review it. On the evening on XXXX, I reviewed my transactions online and realized the {$360.00} deposit was not showing at all. I looked at the deposit slip and noticed that XXXX XXXX somehow deposited the funds to someone elses account in error. My account ends in XXXX, and the funds were deposited to an account ending in XXXX. Not even close. Please see the attached deposit slip for additional details. On XXXX, my son assisted me and we went to the XXXX XXXX XXXX branch at XXXX to speak with a personal banker and resolve this bank error. Upon entering, it should be noted it was extremely warm and uncomfortable. I observed the thermostat was at XXXX degrees. I asked to speak with a personal banker. The response from an employee XXXX XXXX, was that I could get in line and speak with him at the teller station. After a XXXX minute wait, I spoke with XXXX. It is also worth mentioning that XXXX wore a faded XXXX logo brand red shirt. No U.S. Bank logo, and certainly not a dress code I expected a personal banker would have. I explained the situation to XXXX, who confirmed the error was human error by the teller XXXX XXXX. Apparently the person that received the funds was named XXXX At the time of the deposit on XXXX, both the account number and the customer information/name on the computer screen should have been checked. Multiple serious mistakes were made. XXXX called over his manager XXXX XXXX, who was not wearing a name tag. XXXX confirmed the error to, and provided me a receipt ( attached ) that was poorly written and not exactly official. She stated that XXXX was new and mistakes happen, but he did not appear to be receiving training when I made the deposit, nor have I experienced this issue in XXXX years. My son has worked at U.S. Bank for 7 years and never experienced that. Asking about what can be done to compensate the trouble and anxiety and stress I faced, she only provided her apology. I asked how to file a complaint, she said in the U.S. Bank website. I called where exactly, and she didnt even knowbefore leaving, I asked why it was XXXX degrees? I am XXXX XXXX XXXX and XXXX and stood at the teller window XXXX minutes leaning on it. She said they had no control over the temperature. Odd. As of now, the funds are still pending to be received into my account. This has been such a frustrating experience, and extremely concerning the way it was handled and the mistakes that were made. It is also quite concerning how unprofessionally dressed the employees are, and a manager not wearing a name tag seems extremely strange.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55118
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: US Bank IRA CD Requested transfer to another bank ( XXXX ) on XX/XX/2023 at renewal date of XX/XX/2023. After numerous calls and requests and faxes sent from XXXX to US Bank, as of today XX/XX/2023 the transfer still has not been processed.
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: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A