Date Received: 2021-01-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This was a company account with a XXXX balance. After my husbands health made it impossible for him to consult any longer, I called in XX/XX/2020 to cancel the account. In XX/XX/2020 I received a bill with a {$25.00} membership fee and in XXXX another bill with a {$75.00} membership fee. I called after both statements and asked again to have the account closed and the fees removed. I was told then the note from XXXX was on the file, but not taken care of. In XXXX same thing. I called again and was transferred to supervisor who assured me it would all be taken care of. In XXXX same thing. I was told it would be taken care of and I should wait for the XXXX statement. When it arrived some of the late fees and interest had been removed, but new fees had been added and the membership fees were still on the account. On XX/XX/XXXX I called again and was passed through four different people. I was also told the notes from XXXX to XXXX were no longer in the file. Finally another supervisor said she would take care of it and call me back. Today I received a call again about the back bill I owed. I explained again and also made them aware that I was filing this complaint. I have been told again this will be corrected, but have no faith it will be. My husband died in XX/XX/2020 and I am undergoing medical treatment for XXXX XXXX. This is very difficult for me. Thank you for any assistance you can give me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX I visited my local US bank branch on XXXX XXXX XXXX XXXX, Il XXXX to open an IRA Money Market to rollover 401k distribution money from my previous employer. I met with XXXX XXXX. I told XXXX I was expecting an additional check from the same 401K plan in a few days. She proceeded to open the IRA Money Market and deposited the original amount to the account. When I went home I checked the account # XXXX and the money was in my account in the amount of {$2000.00}. When I finally received the additional check in the amount of {$220.00} I went back to the bank on XX/XX/XXXX and met with XXXX XXXX. Both 401k checks were from the same employer, XXXX XXXX and were made payable to US Bank XXXX XXXX XXXX XXXX IRA. XXXX called her operations department to receive instructions on how to process this additional deposit. She gave me a receipt for the amount and took the check. As of XX/XX/XXXX the check is NOT shown in my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened an account with us bank. A few days later I get a call from a man named XXXX. From the fraud protection department he was accusing me of attempting to fraud the bank. He then told me the accounts will be closed. I still haven't receive the money from the account XXXX put a hold on the account and he's the only one that could lift the hold they say. He never returns any of my calls. All I want is my money in the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93706
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: 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: Back in XX/XX/XXXX, I reached out to US Bank ( XXXX XXXX to advise that I had been impacted by Covid and needed assistance. They offered a program to me in which I could defer a payment for 2 months XXXX XX/XX/XXXX and XX/XX/XXXX ). They also extended it because no payment was required in XX/XX/XXXX as well. I just reviewed my statement and saw that they are charging {$610.00} as my minimum payment. I called and spoke with a representative named XXXX. XXXX advised that the payment is this amount because these are the minimum payments from XXXX through now. I was never told this by a representative nor did I ever receive any correspondence saying that I would have to be responsible for the payments that were deferred under the covid plan and they are now causing me further financial hardship. This is predatory. I would have never agreed to the plan had I known that they would handle it this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX ReliaCard debit card, seemingly sent by U.S. Bank, was fraudently opened in my husband 's name. Actual card sent to to him to activate. He did not request card. We went to bank to try and find out what happened and they told us not their problem. Someone was able to issue U.S. Bank visa debit cards with U.S. bank strangely having anything to do with it. A representative of U.S.Bank took card and destroyed card. I had the face number of the credit card that he did not ask for so I tried to report card as fraud but could not complete the form because we no longer had the card with the 3 digit code on back.We were not able to fully de- activate the card. XX/XX/XXXX He received a state unemployment 1099-G form saying he had received unemployment money in XXXX. He did not apply for unemployment and has been retired for 5 years, and received no unemployment money. He contacted the state regarding this to tell them. He is still waiting to hear back. In essence someone stole his Social Security number opened up a U.S. Bank Relia Card and claimed unemployment on his social security number. What can he do other than freeze his credit and report to you. Please let me know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80304
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased U.S Banks ' three MasterCard {$50.00} Gift Cards ( with a {$4.00} activation fee each ) on XXXX, XXXX. The front of the packaging states {$50.00} Gift Card and " Valid Thru XX/XX/XXXX '' It also states the Gift Card has " no value until paid for and activated at register ''. In XXXX, I did not give the gift cards to the designated individuals, and put the gift cards in a folder, and promptly forgot about the folder. In XXXX, XXXX, I found the folder with the 3 MasterCard {$50.00} Gift Cards ( with packaging still intact ). From my perspective, the card was active upon purchase " i.e. activated at register ''. Secondly, if inactivity fees were to be applied, then the information should be disclosed on the front of the packaging ( with additional details on back of the packaging. I did not check the back of the packaging because the front of the packaging noted the {$50.00} Gift Card was Valid Thru XX/XX/XXXX. In summary, the front of the packaging does not disclose the required additional step to register the card at the website to be active nor does it disclose inactivity fees will be assessed ; eliminating the value of the {$50.00} in 3 years. On XX/XX/XXXX ; I called U.S. Bank at XXXX to resolve my complaint on how the MasterCard {$50.00} Gift Cards inactivity fees were assessed. The first call was an offer of {$8.00} ( for the {$150.00} value ). I requested escalation, which turned out to be the supervisor. The supervisor informed me they were adhering to the process. I requested address information to register my complaint with the federal agency overseeing U.S. Bank compliance. The supervisor put me on hold and the call was dropped after 15 minutes. I initiate a 2nd call to resolve the issue, and XXXX had me go through all the issues again, and I requested the escalation ( supervisor ). The supervisor offer no relief on the issue, refused to consider additional compensation, and would not provide any additional insight to which federal agency had oversight authority.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I attempted to open an account online with US Bank, which advertised a bonus for opening the account online. However, it gave an error. I thus went into a branch, and a representative conferred with another representative that the bonus would be able to be applied to my account even though it was not opened online due to the technical problem with U.S. Bank. Thus, a total of 2 representatives confirmed the bonus would apply. However, the bonus never came. The representative I worked with has supposedly appealed to the promotions department, and been denied. This is essentially a bait-and-switch because a promotion was promised that was not delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94506
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: An attorney by the name of XXXX XXXX sent my bank ( US BANK ) a Non same day cashiers check request XXXX gen ledger # XXXX cost center # XXXX for parcel # XXXX on XX/XX/XXXX. ( on or about ). This was dated to be paid within a week 7 days from date of notice. This same attorney filed for Notice of satisfaction and motion to dismiss on XXXX XXXX. My property was released XX/XX/XXXX. I paid any and all debts to this person by the dates specified and this attorney sent me a letter and acknowledged my payment and said however you owe me for another 500 and something dollars. Plus fees. I communicated via email with this attorney i had paid in full by the due date and i do not owe any more. He agreed and released my property but not before filing for foreclosure and sending my bank US Bank this attempt to collect a debt and the non same day cashier check request. On XX/XX/XXXX. My bank took this money {$3600.00} out on XXXX 5 months after the request was subbmitted and it was no longer valid. They will not explain how this happened and I have spoke to the credit dept at XXXXusbank on XXXX to a XXXX who was terribly rude and unhelpful. He said " Your asking me questions I do not know the answer to ''. Then said " is there anything else i can help you with sir? '' I said " I need an answer or to speak with someone who can tell me why this happened? '' The bank did not have proper documentation feom MrXXXX XXXX XXXX to release any funds from my equity line of credit. Not my personal checking account. Not my business acct. My equity line which is now overdrawn and I owethem a XXXX $ payment immediately by XX/XX/XXXX which I do not have XXXX . This is imperative i getthis resolved.Due to XXXX XXXX not having a real phone number or address I had to contact an attorney and had to pay my attorney XXXX $ to write an email to XXXX whom then responded to my attorney promptly. My emails were disregarded up until my atty contacted him. He then email me saying that he will give me back my XXXX $ and my bank should have not given it to him. It is a dispute with my bank. He then enclosed a release of responsibility onthis matter. It states he will not be responsible for any lawsuits that arise from this and he can not be sued over this from now until forever. This includes any future lawsuits also. He is not to blame in any way. He is to blame for all of these problems I did not owe him anything in the first place. I will not sign his agreement due to the fact he has tried to steal money from me 2x already and I caught it both times. I believe he has done this to every person whom he bought a tax lein from due to the agressive paperwork he subbmitted on me. He has found loopholes from banks to pay him large sums without being detected by the bank. Proper paperwork is to be legally filed by a judgement from a judge. Please help me, before this payment is due on XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40214
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I changed my address. They told me to upload documents so they can unlock my account. I did that 5 times and they are still asking for the same thing. This is my only source of income and my phone and my lights are about to be off. I mean they ask 100 questions when you call which should be enough to verify who I am. This is rediculous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To whom it may concern, My card was completely canceled during the time my card was charged. The bank allowed XXXX XXXX XXXX/XXXX to charge my card {$3500.00}. I went through all the steps to contact them that the key was lost/stolen at the time my rental ended. I was unable to get ahold of any one and after 3 months they had an investigator call me. I told the investigator exactly where the car was and they retrieved the car from the secure lot that it was left. They still proceeded to send me to court and I had let USBANK know that they had no right to charge my card that much. I could see if they charged me for lost key of {$300.00} but if they are going to charge me {$3500.00} they better ship me the whole entire car. USBANK did not do their due diligence in helping me with the case and per FDIC they are not protecting the consumer. I finally got a hold of management at XXXX/XXXX XXXX and another manager XXXX that have verified that this incident is NOT my fault and we did in fact send an email and make several phone calls to XXXX/XXXX/. Due to COVID I experience high call times, and transfers and also hang ups at USBANK and XXXX/XXXX. I am reaching out to the FDIC for your help and finding a resolution as this is not right. I hope you find it in your heart to help with this issue as {$3500.00} is a lot of money and this issue needs to be resolved. Thank you for your prompt attention regarding this issue, XXXX XXXX XXXX
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: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A