Date Received: 2021-02-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had not received US Banks response-They sent 2 CONTRADICTORY letters 2 DAYS APART TO CONFUSE. I NEED FINAL LETTER AND REIMBURSEMENT-I FILED XXXX DISPUTE TIMELY, WithIN 60 DAYS ACCORDING TO BANK, AND HAVE US BANKS LETTER AS PROOF THAT IT WAS FILED TIMELY. I emailed XXXX Branch Manager proof that I reported dispute timely and she called the police.
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: 2021-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now 100 % covered by military XXXX, and I also work full time running my own XXXX. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I secured a VA loan in XXXX for my first house through US Bank and have paid all payments within the allotted time monthly. In XX/XX/XXXX, I made my payment normally using the website that I have used several times in the past without problems. The payment was accepted and I received the familiar confirmation screen but did not write the number down. I also work two full time jobs so I'm unsure of the day that I logged in to make the payment, I just log in and pay my bills when they're due like most people do. My house payment is due on the 1st of each month but US Bank later contacted me on XX/XX/XXXX, and reported that they had never received the XXXX payment. I was confused why as I clearly had made it but offered to make the payment again on the phone to ensure the account was current. The representative refused to take payment on the phone and stated there was a fee. I asked her to wait on the line while I confirmed the payment through the website but she refused. I made the payment on the website on XX/XX/XXXX immediately after the worker ended the call. I later learned that US Bank had already negatively filed with the credit reporting agencies for a late mortgage payment prior to the call. Over the past 3 months, I have contacted customer service XXXX XXXX, spending over 23 hours of talk time on the phone with entry level, supervisors, and managers and no one is able to help and not one employee states they have the ability to change this once it's submitted to credit agencies. Several representatives asked for my email confirmation but I told them I've never received one of those over the life of the loan. I later learned on XX/XX/XXXX, this was because it was disabled on my account. A manager was able to fix this and I now receive payment confirmations monthly. US Bank has this call recorded. On that same day, I also requested an investigation into the website activity in an attempt to prove that I made the payment. I later received correspondence from US Bank dated XX/XX/XXXX, that stated they conducted an investigation and found that my payment was late. Nowhere on the correspondence did it state that they investigated the website activity, the original purpose of the investigation request. I contacted the company several more times requesting follow-up and all employees stated there was nothing that could be done. When I spoke with the collections department manager, she falsely documented on my account that I was purposely calling to " waste their time. '' I just want my account corrected. The company maintains that they attempted to contact me through several phone calls, text messages, email, and two written statements sent to my address telling me about the missing payment. Out of all of these methods of communication, I only received one letter from US Bank dated XX/XX/XXXX, a mere two days before the end of the month when the payment would be considered late. This obviously did not allow time to receive the notice and due to the current problems with USPS, I did not receive that letter until XXXX. I have never received phone calls or email. The company continues to report that they have records that show they attempted contact me when they did not. I was finally forwarded to the advocacy department, whom I was told would reach out to me to advocate on my behalf. On XX/XX/XXXX, I received a call from a representative of the advocacy department who was calling to inform me of their findings and decision. At no point had I been contacted by the advocacy department prior to this. When I explained the situation, she seemed confused and asked if I would like a " thorough investigation. '' I said yes, unaware that there was any other type of investigation. I was told this would take around 10 days. She further stated that she would talk to her supervisor and " gave me her word '' to call me back the following day. I never received any further calls. I later received a letter from US Bank dated XX/XX/XXXX, the same day as my conversation with the advocacy representative that took place at XXXX. This letter outlines the results of the " thorough investigation '' which was conducted and documented within the remaining 30 minutes of the worker 's shift that same evening. This letter outlined the dates of the attempted phone calls and letters and included the email address that US Bank contacted. US Bank continued to state that their investigation found no errors on their part and late payment would stand due to the number of methods they had documented reaching out to me. Even more interesting, in a later letter from US Bank dated XX/XX/XXXX, they state that their records never show a call taking place on XX/XX/XXXX. If that call never happened, then advocacy never actually reached out to me at all then. I have a XXXX XXXX in XXXX XXXX and feel well versed in the field of advocacy and I still remain confused on how you advocate for a client without ever speaking to them. I called back again after looking at the dates and was told to email a second dispute. This time I emailed advocacy on XX/XX/XXXX, and detailed a complete breakdown of my issues. I included phone call logs from XXXX XXXX XXXX proving that US Bank 's automated phone system never called or left the documented voice mails. I further disputed the email correspondence because they sent the email to a XXXX address when my address on record is through XXXX. Even my current US Bank online account has no record of messages or letter/Correspondence listed. I requested electronic and written confirmation of their receiving the second dispute given that it was an email and the company does not appear to have a formal dispute service. I never received electronic confirmation. I did later receive a written correspondence dated XX/XX/XXXX sent to my home stating they would contact me within 10 to 15 business days with the results of their findings. I never received any further follow-up. I contacted US Bank again on XX/XX/XXXX, to follow up on the investigation. The customer service agent was able to send me an electronic version of the report but I still never received a physical one or any word of the findings from advocacy. They again denied the request stating that despite me referencing recorded conversations with customer service and providing proof that US Bank had not left voicemails, called, and had emailed the wrong address that was not on file ; their findings of the investigation would stand as I have " provided no new information. '' They did not respond to my statement about emailing the wrong email address in this investigation findings. At this time, the company has damaged my credit rating to the point that I am unable to secure a loan to fix plumbing in my home. My credit is also damaged to the point that I am unable to refinance through another company out of fear they will continue to mismanage my account. I have taken vacation from work to contact customer service due to their hours. I have talked with customer service for over 23 hours of recording phone calls and they remain unwilling to admit that something happened with the website payment and there are errors in the automated phone call system that did not complete calls or leave voicemail. Had I received calls or correspondence, like I did on XX/XX/XXXX, I would have promptly rectified the situation as I clearly did. Instead, US Bank has, in recorded messages, told me that I should " not worry about it, it will only be on my credit report for 7 years, '' they have encouraged me to call my bank every month and ensure the payment comes out in addition to calling their system after every payment to ensure the payment is received. They have also encouraged me to contact them every month and request additional statements that show proof of payment. This seems like an insane amount of work for me to do every month that I make a mortgage payment for the next 26 years -- especially if their records are so accurate. I worked extremely hard to get a credit score upwards of 800 only to have this company completely wreck my score when I made my mortgage payment and continue to make my mortgage payment. I have shown them proof that their automated system is not correct and I did not receive correspondence to notify me that the payment was not received correctly until after it was too late and now I'm stuck for the next 7 years paying a company and allowing a company to profit from me, that clearly has no interest in working with me. My interactions with US Bank since XX/XX/XXXX has been disgraceful and I'm embarrassed to be associated with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61704
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Hello I have been calling customer service to have a card sent out to me and they have been given me the run around .its literally been months since I have not got a card in the mail then they told me I have to send in some information so they can verify my identity and I have cooperated and sent in every thing that was asked of me and of course nothing what could I do about this issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The usbankreliacard that my unemployment benefits are deposited to is constantly locking the account for random reasons. It declines automatically if the transaction is processed as a credit transaction and will lock your account after three declines. It will also randomly lock when you try to transfer the money to another account. When this happens, it is almost impossible to reach a human in the customer service line. I have waited four hours before only to be hung up on. And when you can reach s person, they tell you theres nothing they can do, to submit your id to some department and it will take a few days to be unlocked. This is unacceptable when unemployment is the only money some of us are receiving currently. This nonsense now has me getting evicted because my landlord doesnt believe that my account has been locked this long.
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: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a checking account with US BANK for roughly 4 months. In this time, my US BANK account was overdrafted due to the outrageous fees they charged to my account for a slight negative balance. On XX/XX/XXXX, the {$600.00} stimulus check was deposited into this account, to which I only received {$100.00} from. From what I have learned from the IRS and US BANK themselves, it WAS ILLEGAL for them to take and withhold ANY amount of my STIMULUS check from me. I have contacted US BANK twice now, both through phone call. I have been given the same answer from 2 different representatives ; that their 'manager ' was in a meeting and would call me later that day. I NEVER received a call back. This is illegal and I want my stimulus check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I went to buy a coffee but when I went to my purse I noticed things in my wallet were gone. When I got to work, I went to my online account and found that I had only {$20.00} to my name. I immediately called US Bank to report the fraud situations which appeared to affect my entire online portal and the stolen cards. I filed numerous charges with them that day. The representative I visited with said it appeared that somebody had hacked my online account and transferring money between accounts and then using it for XXXX purchases. The debit cards that were missing were apparently used at XXXX to make several large purchases. I closed those accounts and opened new ones on XXXX XXXX. On XX/XX/XXXX I had called to check up on the status of the claims. At that time, I was told that they couldn't really find any information on what had been done with the XXXX claims and was also told that they " forgot '' to file a claim for a {$500.00} unauthorized XXXX transaction so they were going to file that claim on XX/XX/XXXX. On XX/XX/XXXX business days after I filed the claims, I still had not heard anything so I called back and spoke with XXXX. She was looking for notes in regards to the claims and said she was unable to locate notes and said she would submit a request to have a claims processor call me. Later that day, XXXX, a supervisor in the fraud department returned my call and was was trying to help me. He said the accounts were closed. I told him I had closed them back on XXXX XXXX when I realized my cards were missing. I told him my story and he said, " It is not right that you haven't heard anything or gotten any paperwork in the mail. This is not who we are. '' He then told me he will call me on Monday after he followed up. I called again on XXXX XXXX since I had not heard anything back. I talked to XXXX and was told that both of the XXXX transactions showed they were ongoing. I had already received payment and a letter stating that the {$350.00} transaction was approved. I received this documentation on XXXX XXXX, XXXX. I was also told there was no resolution shown for any of the card transactions at XXXX. The representative asked if I had received paperwork in the mail. Up until now, I have not received any information or paperwork from them at all. XXXX then transferred me to a lady who said I needed to call the Fraud Liaison Center. That is who I called when I spoke with XXXX and was who transferred me to her. She then put in a request to have a claims processor call me and said I should get a call back within 24-48 hours. On XXXX XXXX I called back to see what was going on. The person I spoke with said they will need to put in a new request to have a claims processor call me. I did happen to get a call back from XXXX who said she was a supervisor. She told me that something like this could happen at any merchant. I told her what had happened and that I was not sure how they were able to log into my account. It could have been through my work computer or home computer. After telling her what happened, she said she took down notes and was going to to to the case processor and tell them what happened and that since she talked to me I would not have to go through the process of filling out paperwork since the case had drug out this long already. She said she would just have the claims processor sign off and that I should have the money in my account today or tomorrow ( XXXX XXXX or XXXX ) but no later than Wednesday ( XXXX XXXX ). On XXXX XXXX, XXXX I called back to check on the status of the funds. The representative that I spoke with, XXXX, said the banker released funds for the fraud charges on one of my accounts but that there were no notes or anything about the other account or the {$500.00} XXXX transaction. XXXX then transferred me to XXXX, who apparently is a supervisor. She was able to see the claims, but no notes and not sure where these claims were in the claims process. She put in an escalated request to have a case processor call me and told me I should get a call back within 2 days. She was able to confirm what XXXX told me about not needing paperwork because she found those notes. She also said, " We should have sent out paperwork and the money should have been issued a long time ago. '' She also confirmed the transactions from the other card and said those funds were authorized to be released. I was then transferred to another person on the fraud team to see where we were in the process of the XXXX claim for {$500.00}. They told me the account used for that transaction needed to be closed. It was already closed back on XXXX XXXX. He said he couldn't find any notes on the claim and that he would send an email to have someone check on it and told me to call back tomorrow. I asked if I could speak to someone and he said he would try to get a claims processor online with us today. I was put on hold and then spoke with another person. From what I told him he said there were probably multiple things happening with fraud in my account ( which I already knew because I filed the claims ) said he couldn't see the claims in the system. He said that maybe the charges were not requested or not tagged and that maybe there was no claim set up yet. I informed him there was but nobody seemed to be helping me with it. He was going to forward a message to a supervisor but told me it would not be the same supervisors that had previously helped me. It could be any supervisor. I called back on XXXX XXXX, XXXX ( 21 business days after claim was filed ) and spoke with XXXX. He said he was unable to see any transactions on my debit cards but was able to see the XXXX transaction. He told me to call back tomorrow as there was no update yet. I then spoke with XXXX, who was looking at my notes from yesterday and said a case processor should have already called back. She said she couldn't find the claim. I asked her to continue to look and she then said she found it. She told me that the last update she saw on their end was from XXXX XXXX from a claims processor which stated they would send the request to a claims processor manager. She didn't see any notes about the previous phone calls made in XXXX XXXX. She said the notes were very unclear. As she kept scrolling she then said she was able to see some notes from XXXX XXXX and XXXX and said she submitted notes about our conversation that day. On XX/XX/XXXX I called to check on the {$500.00} XXXX transaction. I visited with XXXX first. She said that I should hear something by the end of the day tomorrow ( XXXX XXXX ) in regards to this transaction. I then was sent to visit with XXXX who said she was reaching out to XXXX. XXXX was on her lunch break so they had me leave a voicemail with her. She did call me back and asked if I had a Case ID number. I informed her that I was never given a Case ID number and nobody had mentioned anything to me about one until now. She then transferred me to the PIN department because she said it looked like some of the transactions were made from an ATM. I am not sure how a XXXX or XXXX transaction can be made from an ATM, but I was then sent to talk to XXXX. XXXX said she would get in contact with the claims processor working on my case but she was able to verify the five charges between the two cards. She tried to apologize for the " mess '' that has been ongoing with these claims. When I checked my new account, I noticed I did receive funds in my account today. for the XXXX transactions ( one credit for {$1100.00} and one for {$1900.00}. ) On XXXX XXXX, XXXX I received a letter in the mail stating that the XXXX transaction for {$500.00} was denied. The letter said the transaction posted as requested, therefore denying my claim. I did NOT request this, but obviously if somebody got my information, they could have requested it making it look like it was me! I called to see what other information they could tell me because the letter gave a number to call for more inquiry. I was told that it " appeared '' I made the transaction ( which I did not ) but they couldn't confirm that so it was denied. Life went on as normal for a few days until I got two letters in the mail on XX/XX/XXXX. The letters said that my XXXX transactions were being denied because it appeared those transactions had been authorized. Again, I did not make those transactions and would not be calling every day or every few days to check in on things if I had in fact authorized those transaction. Why would somebody go through all of this trouble and unprofessional and unorganized customer service for something they did? I called the number on the letter and asked to request a copy of the information they used to deny my claims. I was denied that information and told they couldn't release that to me. The letter stated they would be reversing my credits for {$1100.00} and {$1900.00} on XXXX XXXX, XXXX. I called back again on XX/XX/XXXX to see if I could get a copy and was transferred to four different people everybody claimed they couldn't help me. Finally the last person I spoke with said, " I am not able to pull anything up in regards to those transactions. '' Where they ATM transactions. '' I told her they were XXXX transactions that were made using my card. She then eventually found the claims and told me they were denied due to inconsistent transactions and said I had a history with the merchant. Of course, I shop at XXXX, but that does NOT mean I authorized those transactions! If somebody stole may card and I live in XXXX, ND, there is a chance that they took the card to XXXX in XXXX, ND and used it! The final person I spoke with said they would put in a request for a claims processor to call me back within 48 house and stated that the claims processor can reopen the case. I had not heard anything or gotten a call back or voicemail so I called back on XXXX XXXX, XXXX. I initially spoke with XXXX and requested to talk with a claims processor. She transferred me to XXXX, a supervisor. All he did was tell me that the case processor can re-open the case and he will put in yet ANOTHER request for them to call me. I asked if he could put in a request for me to be called between XXXX CST and after XXXX as I am a XXXX and it is hard to answer my phone between those hours. He said he would request that they call me tomorrow between those times as they were gone for the day. On the morning of XXXX XXXX at XXXXXXXX XXXX I called back as i ONCE AGAIN have not heard anything back from the bank. XXXX answered and when i asked him if I could speak to a claims processor, he rudely said, " I can't help you. '' I called back at XXXX XXXX as this was the time I was told that a claims processor gets to work and talked with XXXX. She ONCE AGAIN put in another request for a claims processor to call me back. I told her that I had done some research and know about the Electronic Funds Transfer Act which states that if I file the claims between 3 and 60, I could be liable for up to {$500.00} of the fraud. She then transferred me to XXXX, a supervisor, who apologized for the month and a half long fiasco. He said no claims processor can take a direct call. We can only request to have them call me back. I informed him that I had numerous requests put in already and have not gotten a call back or received a voicemail. I told him that my cards were lost or stolen, and did have the PIN on the back. He put in another request and we ended the call. After work on XXXX XXXX, I called again as I am getting extremely frustrated with the lack of professionalism and lack of using a bank that does not back up their customer nor provide world class customer service like their voice prompt says. This was XXXXXXXX XXXX when I talked to XXXX ( unsure of spelling ) At first, like many others I spoke with, she said she couldn't find the claims. She then asked if I knew if they were filed manually. She then says, " this was filed earlier this year? '' I then told her that I had filed them back on XXXX XXXX, XXXX. She eventually found the claims and said there were 3 requests put in for a claims processor to call me back and said it was unfortunate that none of those had been followed through on. She said she was going to put in a request for an expediated callback and said I should be receiving one tomorrow XXXX XX/XX/XXXX ). She even included the times I am available for receiving a call. This is where we are at as of now. I will be continuing to call US Bank to check in on the appeal process and will follow up with this complaint as well. The following is a list of unauthorized transactions : {$600.00} on XX/XX/XXXX at XXXX {$500.00} on XX/XX/XXXX at XXXX {$900.00} on XX/XX/XXXX at XXXX {$74.00} on XXXX XXXX at XXXX {$1000.00} on XX/XX/XXXX at XXXX {$500.00} XXXX transaction on XX/XX/XXXX to XXXX XXXXI don't even know a XXXX XXXX ! Questions I would like answered : Don't you, as a federal bank have insurance for such circumstances? Why would you deny a claim if you have no evidence that I in fact made the transactions? If a card is stolen, there is a great chance that whoever has the card used it, which made it look like it was me. I always thought that as a bank, you would " back '' your customers and fight for them. My experience has been completely the opposite! I have had XXXX support. In fact, nobody seems to know what is going on, the notes that you do have in the system were not even correct because nobody contacted me and no paperwork was sent in regards to what happened with these transactions. And you feel you can take that money back from me? I will be switching banks and doing what I can to get my money back. I have also filed numerous complaints against US Bank for the lack of following through and lack of professionalism. Do you go back and check the transaction history? If so, you would see that I have NEVER made such large purchases at XXXX. Wouldn't that be a piece of evidence to show I did NOT make those purchases. Does your fraud department not alert customers when they see something suspicious? Why was I never notified when a XXXX account was opened on my account. Isn't a fraud department supposed to help customers by alerted them when something suspicious happens so you can prevent more fraud from occurring? I was never notified of anything. In visiting with people that bank at other locations that have had fraud occur, I have found that their situation was handled very differently. They never were questioned about what happened. As soon as they were notified of suspicious or reported it, they received their funds immediately and the money was never taken back. Those banks fought for the customer. I can not say the same for US Bank. Again, I am not sure who has my card, but I do know that I would not go through the hassle of closing my accounts and open new ones and switch over direct deposit, automatic payments, etc ... if I had made those transactions. I am aware that I do have some right under the Electronic Funds Transfer Act. Do you not have a " team '' of people that are dedicated to handle each person 's claim? I have been tossed around to so many people and nobody knows what is going on. Dedicating a Team of employees would very much help your department run much smoother. Your commit to customers and professionalism is very disappointing. I am appealing your denial of the above-mentioned claims. I do expect that this will be handled correctly due to the lack of follow through and knowledge through your fraud department. I expect those funds to be deposited into my account promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58503
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, made a large cash deposit at a US Bank ATM. I have a checking account with this bank, and the deposit was made at an outside US Bank ATM, meaning the ATM was not located inside the branch, but outside at a drive-up ATM. Cash deposit should have totaled {$5800.00}. Due the number of bills, the ATM would only accept 50 bills at at time, so it would close the transaction after it accepted 50 bills. A number of bills were new/crisp {$100.00} bills that easily stuck together. The ATM deposit was made with 3 separate transactions/ATM receipts. The receipts show the denomination and quantity of bills deposited. First deposit was $ XXXX XXXX {$100.00} bills. The second deposit was $ XXXX XXXX {$20.00}, XXXX {$10.00}, XXXX {$5.00}, XXXX {$1.00}. The last deposit was $ XXXX XXXX {$20.00} XXXX {$1.00}. I noticed there were no {$50.00} bills listed, although there was a {$50.00} deposited. The total for all receipts is {$5300.00}. That is {$500.00} less than deposited. Called the US Bank branch where the deposit was made, and was told the ATM was outside, so disputes need to be called in to US Bank at XXXX. Called US Bank on XX/XX/XXXX to dispute the transaction, and was told a case would be opened. Reference # XXXX. The case would take up to 10 days to resolve. On XX/XX/XXXX, I received a letter from US bank denying my claim in the amount of {$5500.00}. Since this was incorrect, and I was disputing {$500.00}, not {$5500.00}, I called on US bank on XX/XX/XXXX requesting the case be reopened. This did not occur. I called again on XX/XX/XXXX requesting an update, and was told a new case would be opened. Reference # XXXX. I received a letter from US Bank on XX/XX/XXXX denying this claim. The letter states that research had determined no errors occurred, but I could request copies of the documentation used in the investigation. I have tried numerous times to request this documentation, but have been transferred from department to department. Every call lasts XXXX minutes, with holds or transfers, but not one US Bank rep knows how to process my request for documentation or can escalate my request. I am in an endless loop of calls with no resolution or explanation. I have requested the assistance of supervisors, and not one has ever been available. I have been assured numerous times a supervisor would follow up, but that has not happened. I have the dates and names of every US Bank rep I have spoken with. I have both letters of denial, and the ATM receipts from the deposit. XX/XX/XXXX US Bank Rep. XXXX XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX US Bank Rep. XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I noticed I had a credit inquiry from a US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX in XX/XX/2020 I do not recognize this bank or why they would inquire about my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52722
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed and I didnt know XXXX transfers were not supported and/or protected through my account!!! XXXX should be a separate application from my USBank account.. theres a sense of false security and Im disappointed in myself mostly, but also with USBank!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A