Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I thought entered into a consumer credit transaction with Comerica a few years ago. However, it seems I was deceptively lured into a consumer credit transaction with XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter over three week ago. I am yet to receive a response back about this correspondence. XXXX XXXX XXXX took monthly cash payments for a credit card I used for consumer credit transactions which included finance charges. I am curious to understand why they would do this? Attached is my debt validation letter that was sent and received/ signed for at that specific address/location.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I received a request to fill in a XXXX questionnaire from Customer Due Diligence Operation Center of the US Bank located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I filled in the questionnaire and sent it back. In a week 's time I received a response that I successfully completed the assessment. On XX/XX/XXXX I tried to login to my bank account, but my online banking was disabled. After speaking to a customer service, it became clear that my account was in a process of being closed. Two weeks later I received a letter from the US bank confirming my account closure. It was clearly stating that if the account has a positive balance, a Cashier 's check will be mailed to me within 15 business days once all previously deposited items have been verified. This letter was dated XX/XX/XXXX. I attached the letter to this email as proof. I was waiting for the Cashier 's check for a month, but it did not come. So I contacted my bank manager XXXX XXXX of the US Bank branch located in XXXX XXXX, KY who confirmed my check was mailed. Another two weeks went by and there was still no check. So I contacted my bank manager again, but he wasn't sure about why Cashier 's check was not mailed. As it appeared later, I was supposed to verify last five deposits that came to my account before it was closed, but nobody told me about that. So for six weeks I was waiting for the check which wasn't even supposed to come. When I complained to XXXX XXXX about the fact that nobody informed me about it, he had two excuses : first, COVID - a very convenient excuse for everything these days! And second excuse was that he was on holiday for two weeks. Anyway, XXXX XXXX sent me an email containing a list of deposits that were supposed to be verified. Two of those deposits were refunds from a fashion outlet. The other three were deposits from my close acquaintances. I diligently verified all five deposits and supported them by detailed explanation and documents. The bank manager submitted them to the relevant department and informed me that my money - {$4800.00} - was moved to a recovery account and will be sitting there for the next 90-120 days as a safety measure to any possible fraud claims from the payors that may arise during the next 120 days. All this took place in the middle of XX/XX/XXXX. My last communication with the XXXX XXXX was on XX/XX/XXXX. Since then and until XX/XX/XXXX there was no news about my {$4800.00}. I attached to the email my last bank statement that was mailed when my account was already closed. So on Monday XX/XX/XXXX I contacted XXXX XXXX again and was told that he would contact his back office to get an update. On Monday XX/XX/XXXX I received an email from him where he says the following " As of Friday, funds still have not been verified. Checking with operations to see if they have any suggestions today. '' I would like to bring to your attention that I fully understand that a bank has a right to close my account with or without a reason. It's clearly stated in the Deposit Account Agreement & General Terms & Conditions that I accepted when I opened my bank account at the US Bank. But in the same agreement there is nothing that states the bank has a right to withhold my money, especially for such a long time. Nevertheless, I accepted this unwritten condition and was patiently waiting. Also, back in XX/XX/XXXX when I was hoping to receive my Cashier 's check, I was in touch with Customer Due Diligence Operation Center a few times : it was them who initiated the XXXX assessment, so I felt they were responsible for the decision to close my account and tried to find out the future of my withheld funds. I spoke to a guy called XXXX ( please note, this could be an incorrect spelling of his name, but it sounded like XXXX ). Each time I spoke to XXXX, he confirmed I successfully completed their assessment, I had a right to have a bank account with the US Bank and he had no clue why my account was closed. Moreover, I called to XXXX on Monday XX/XX/XXXX again and again he confirmed all the above information about my assessment and eligibility for a bank account. Regardless, my {$4800.00} still remain in a possession of the US Bank although 120 days have already passed. Conclusion : I suspect that the reason for the held up in releasing of my funds is the fact that XXXX XXXX, the manager of the US Bank branch located in XXXX XXXX, KY simply did not submit my deposit verification to the relevant department back in XX/XX/XXXX. So, it's a case of PROFESSIONAL NEGLIGENCE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a old credit card that was used multiple times by someone else after lost / stolen, no I did not authorize. Have told them multiple times and it has caused me a great deal of pain, as much as leaving me home less for not being axle to use credit for housing / transportation. This has taken a great deal of toll on me. As a newly adult at first I ignored it after not being able to resolve it and now it have even been an impact on my family well being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Saturday, XX/XX/XXXX I received a letter from U S Bank dated XX/XX/XXXX ( See attached ) stating with no explanation that three ( 3 ) of my accounts were being closed. I was shocked. On XX/XX/XXXX I called the XXXX Customer Service Center listed on the letter and that I have been familiar with and used for several decades. XXXX transferred me to XXXX in the Fraud Department. I read the letter to him, he stated it could be one of two things, a server maintenance generated letter or a phishing attempt. At that time he stated my accounts are not being closed, recommended I keep the letter and I could go into a local branch. I expressed due to the current state of Covid-19/Corona Virus and as a senior citizen I wasnt trying to go into public places as much as possible. XXXX assured me that as of right now accounts are secure and not being closed. Tuesday, XX/XX/XXXX I spoke to XXXX XXXX at the U S Bank branch at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA regarding the letter. She said to give her until the end of the day and she would call me back. Wednesday, XX/XX/XXXX I called XXXX XXXX again since I didnt hear back from her, she stated she was waiting to hear from the back office and would call me in an hour. I expressed I was curious and concerned why I received the letter in the first place. When she called me back, she stated the back office account closure department said accounts were being closed and she did not have any further information. I asked for a contact name, she said the person didnt give her a name. Thursday, XX/XX/XXXX I called the XXXX Customer Service Center and was transferred to the Fraud Department and spoke to XXXX who stated it looks like my account is in good standing. XXXX then transferred me to XXXX who then transferred me to XXXX the call switched to XXXX, OR. XXXX works with checking accounts and stated he doesn't see anything like that, why it would be closed. He can confidently say all the accounts are perfectly fine, can assure you that there aren't any restraints on the account. If they were doing emergency servicing/closures for Fraud, there would be restraints. Whatever may have transpired to initiate a letter, it was resolved naturally. He can confidently say everything is okay. Thursday XX/XX/XXXX my daughter called me to say that her account, which is linked to my accounts, was closed. She informed me that on XX/XX/XXXX she sent her sister, {$100.00} and tried to send {$260.00} right after and XXXX XXXX denied it. She stated she figured they thought it was fraud sending funds back to back. She thought XXXX XXXX declined it. Later that day she went to the gas station and the card declined again. The bank representative said they thought it was fraud in her account. In her words she stated, I verified I was indeed making the transactions and they cut the card back on. XX/XX/XXXX Called U S Bank XXXX, IL branch where my account was opened. That branch is now closed. XX/XX/XXXX after receiving the above information from my daughter, I again called the XXXX Customer Service Center number and spoke to XXXX. She can't confirm why they ( accounts ) were closed. No notes are on the account. She has never seen anything like this. No accounts are transferred to other accounts. She checked around to see why accounts are closed. She was unable to bring me up in closed accounts. There is a way to reopen the account. She forwarded all the information I gave to her and is checking with XXXX XXXX XXXX on how to reopen all accounts. After checking with Supervisor XXXX, she stated we would have to go into a branch. She did locate the banker that closed the account in Risk Management who won't be available until Monday, XX/XX/XXXX. XXXX recommended that I go into one of the branches and let one of the tellers know. Most departments are closed today. She gave contact info : XXXX Risk Management ( Ohio ) Hours XXXX M-F. XX/XX/XXXX I called the XXXX Customer Service Center again based on being uncomfortable with the situation of having my accounts closed for no reason and feeling that each day was going to make the situation worse my annuity could not be automatically deposited from OPM ( Office of Personnel Management ), no access to funds to pay my upcoming due bills that I always pay on time, no access to funds to make transfers of payments to another external Federal Credit Union and the great inconvenience this has caused. XX/XX/XXXX I spoke with XXXX in Customer Service who stated there are a few reasons why an account could be closed - Inactive - bank should give disclosure reason. He looked to see if any notes are given, and put me on hold to check if he can see notes. He looked to see just what's going on with the account. When he returned, he informed me that U S Bank decided to close the account. XXXX stated what you can do is open a new account. U S Bank decided to end the relationship with this account and cited a document I should have received when the account was opened. Monday the branch opens. On Monday when you call contact the Fraud Liaison center can ask why account was closed down. XXXX gave contact information : XXXX Hours XXXX CST Sun-Sat ; First time XXXX handled a call like this, wanted to make sure he checked into everything. XX/XX/XXXX Called U S Bank branch at XXXXXXXX XXXX XXXX XXXXXXXX, no answer. XX/XX/XXXX I spoke with XXXX in Risk Management, XXXX. XXXX stated XXXX XXXX at XXXXXXXX XXXX XXXXXXXX, MO, an analyst in the CDDO closure team closed the account. He put a hold on it, took it off hold, then deleted, he closed the account. Nothing on the account tells her why. XX/XX/XXXX Called XXXX XXXX, XXXX, call went to voicemail, left a message for him to return my call. XX/XX/XXXX I went to the branch at XXXX XXXX XXXX XXXX. where I had spoken on the phone with XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. When I arrived at the bank to be there before it opened at XXXX, there was a notice in the window stating the branch was closed and directed customers to the U S Bank XXXX XXXX branch. I drove to the XXXX XXXX branch, waited in line, and talked at the window to XXXX XXXX, Assistant Vice President Branch Manager. I told her someone closed my accounts and that I spoke to XXXX in Risk Management as stated above. Informed her I called the number on the letter that I was familiar with and had used for decades. I also stated I did not call the other number listed on the letter because I wasnt familiar with it, and when I XXXX it, that number had both references to Scams and a valid U S Bank number. She suggested I call that number. I went back to my car and called in the parking lot. I spoke with XXXX at XXXX He stated U S Bank has the right to close the account. Neither him nor a manager, or customer service - no one will be able to advise why my accounts were closed. No one has a reason. I told him that is totally unacceptable. He does not have the reason that decision was made. Told him I spoke to XXXX in Risk Management this morning who informed me XXXX XXXX XXXX closed the account. XXXX stated one person does not have the ability to close an account, it's a team. I asked him a question, young man, if you had an account for almost 40 years, had a government/annuity check deposited, paid rent, gas, groceries, occasional purchases for grandchildren and one day for no reason your account was closed, what would you do. He stated he understands, and couldn't help any further. Told him I believe it could be an honest mistake and asked what should be done. He said it would take a member of the branch, depends on the situation, to have it cleared away. The branch can send an email if indeed this was a mistake that was made. He doesn't know if it can be cleared away. I asked him if he could email XXXX XXXX at the XXXX XXXX, Ca location and that I was sitting in my car in the bank parking lot. He agreed to email her. I went back to speak with XXXX XXXX, she received the email, asked me to give her some time to check into it and she would contact me. NOTE : To date, she has not contacted me. XX/XX/XXXX Called XXXX XXXX at XXXX Call went to voicemail, left a message stating the call was an emergency call for me. XX/XX/XXXX Called XXXX XXXX at XXXX ( direct ) Call went to voicemail, left a message that it was an emergency regarding my accounts. XX/XX/XXXX Called XXXX XXXX at XXXX ( direct ) a second time and left a message. Called XXXX ( branch ) recording stated theyre not taking calls, no option available to record a message. XX/XX/XXXX Called XXXX, XXXX answered call spoke with him again and asked to speak to a manager. He stated again, him neither his manager had no way to rebuttal. We dont have a way to assist with that decision to close. I told him I dont know where my funds are, and have had to scramble to find other ways to get rent and bills paid. He stated any remaining funds would be sent to address on file. He offered the email address for the manager of the Outreach Department XXXX. I asked what does CDDO mean its the Customer Due Diligence Outreach Department. XXXX offered me to include his name, XXXX XXXX, Outreach Analyst in the email. I asked, based on other representatives not calling me back or responding, will he ( manager ) respond back to me and how soon would I hear from him. He stated the manager is good at getting back to customers. XX/XX/XXXX Emailed XXXX XXXX, XXXX, CDDO Department XX/XX/XXXX Received a letter dated XX/XX/XXXX stating my U S Bank Visa card is being closed 30 days from the date of letter. ( See attached ) XX/XX/XXXX Received three ( 3 ) checks from accounts. XX/XX/XXXX Called Customer Service, spoke to XXXX and explained in detail the letter dated XX/XX/XXXX, multiple calls, visits to U S Bank with one branch that I communicated with someone on XX/XX/XXXX and XX/XX/XXXX and on XX/XX/XXXX that branch had a sign on the door and is now closed, went to XXXX XXXX, spoke with XXXX XXXX who said she would contact me, called her twice with no return call and an email to XXXX on XX/XX/XXXX with no response. XXXX messaged managers to see what's going on. After a brief hold, XXXX sent/transferred me to Recovery Area XXXX ( no manager name given ) in the Recovery Loans and Lines Department. XXXX, Repayments Department, XXXX cut me off several times and transferred me back to the Customer Service Department in a very unhelpful manner. XX/XX/XXXX ( Same call as above ) Spoke to XXXX, asked him to transfer me to a Manager over a Manager over a Manager. After holding again a recording came on saying hold is four ( 4 ) minutes to speak to another banker. After holding again XXXX answered the call and said there's no way for him to transfer me to a manager. XXXX stated he is sending a " form '' to Manager XXXX XXXX ( initial only for last name ) his Direct Manager in 24 hour banking department. I should receive a response in 24-48 hours. XX/XX/XXXX Called U S Bank XXXX XXXX, IL branch - no answer, branch appears to be closed. XX/XX/XXXX Emailed XXXX XXXX, Manager, CDDO Department a second ( 2nd ) time. No response was received from first ( 1st ) email. XX/XX/XXXX Received an email response from XXXX XXXX that states in part, we now consider the matter closed and will not respond further. ( See attached ) U S Bank dropped the ball with my accounts. Although it may have been an honest mistake, U S Bank doesnt have a consistent Standard Operating Procedure in investigating what could have happened. In checking with multiple representatives, I was told by XXXX in Risk Management that XXXX XXXX at XXXX, XXXX XXXX, MO, an analyst in the CDDO closure team closed the account. He put a hold on it, took it off hold, then deleted, he closed the account. Nothing on the account tells her why. Based on what she expressed, it appears that a biased decision was made without investigating the full gamut of the accounts. Since U S Bank is extensive in employing multiple Customer Service personnel, different individuals wouldnt have a clue whats happening and therefore would leave a strong potential to have a biased approach without knowing what actually occurred with the accounts. Wouldnt a long standing account for over three ( 3 ) decades, belonging to a retired XXXX XXXX, who has had no changes in basic activities monthly deposit from government annuity, debits of rent, gas, credit cards, insurance, groceries and few shopping outings warrant the possibility that someone made a mistake, especially in the midst of a worldwide pandemic?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: USBancor has allowed excessive over draft fees to accumulate on my checking account that has resulted in substantial fees and garnishing of my direct deposits from employer payrolls and they have injured my chances to re-establish a better credit rating through creditors To date this Financial Institution as of XX/XX/2021 is still accumulating and charging excessive overdraft fees when I have not used Thier card in more than a week Problems in the past with this issue from inexperienced associates/agents in corporate side institution who knew or should have known my card was changed twice in the past from another account similar in numeric identification to mine with accessive overdraft fees attached resulting in negative judgement of my character that is defamatory in that they gave me a non interest bearing checking and savings account because I am not in the class of individual customers opening an account with the minimum {$100000.00} deposit in savings
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42104
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am essencial work.I request my deferment and months later I found, US BANK REPORT AS A CHARGE OFF
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to domestic violence it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the US Bank wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent XXXX an original bill. But they refuse to change it. Us Bank stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that US Bank has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55128
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened up bank account with US Bank in approximately XX/XX/2020. The opening deposit was approximately $ XXXX. Over a few weeks, several thousands of my own cash was deposited. The account was closed due to high risk and questionable activity. In approx XX/XX/2020, I was scammed by several people, in which they requested goods and XXXX 'd me money. The goods were provided and they disputed the transaction with the excuse that my business was either fraudulent or that their XXXX account was hacked. To be clear, the " goods '' received were not illegal. No goods are shipped or released without proof of a completed status shown in the XXXX screenshot. We match the confirmation number in the screenshot with the confirmation number or our end. I have copies of every transaction along with screenshots proving they requested the goods and what specifically the " goods '' were. However, US Bank never requested copies of these documents. No fair investigation was preformed. They just froze the account for several months, refunded disputed XXXX to customers, and eventually closed the account. At the time of closing, after all refunded XXXX I had over {$34000.00}. No funds have been released and it's going on 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am writing today in regards to my account with US BANK account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: this complaint is for the USBANK RELIACARD, They have repeatedly locked my card restricting access to my funds, i have turn in all necessary documents that was requested several times, I have copies of proof of me emailing, faxing, uploading documents ... I call there everyday begging them to release me funds what more do they want, all this over Me calling in a dispute because I had my information stolen my unemployment money while I was incarcerated. Expecting that money theyre part of my release it wasnt so I filed a dispute and they reimburse me my money immediately froze the account restricted my card access asking me to identify myself through the portals On their website fax number Or upload through the mobile app since XX/XX/XXXX I have done that literally 26 times .I have called 2 to 3 times a day every day since Ive been lied to I have been misinformed its so bad that the person who stole my information and my money their number is still associated with the account because they cant remove the restriction in order to update the numbers so the criminal is still getting alerts about my money And theyre asking me to identify myself which Ive done a really stupid amount of times for them to tell me that they couldnt receive they didnt receive my message are they didnt get my verification I mean I have confirmation numbers Ive documented literally every call every second every person I spoke with somebody please help child support is due XXXX got kicked out of my place Ill slip in the snow and I have no money unemployment and they reported my address changed, these people been blocking my card every since. I sent my ID, SOCIAL, LEASE, TAX RETURN, They claim they are not receiving my selfie that they request me to take Ive take several times on there website. As of now my children and I are in the dark because i cant get my funds off my card and pay my bills. please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A