Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is an online checking acct. the only way I deposit money has been through mobile cks from my husbands XXXX XXXX acct or my other XXXX acct. on XX/XX/XXXX I did mobile dep ck # XXXX for {$1000.00}. I paid bills leaving bal apx {$530.00}. My husband got a text alert on his phone XX/XX/XXXX to verify that ck was him. But he works night so he did not respond to that text until XXXX and it had been sent around XXXX XXXX earlier that XXXX. I had also received an alert text for a low bal. I logged online and my bal was now over {$400.00} neg. The ck # XXXX was rtnd. So US bank took the {$1000.00} out of my acct making me negative. So on XX/XX/XXXX I called to see what happened and explained to her about my husbands text and she said that since he didnt respond until so late that they couldnt prove it was him so for his protection they didnt pay it. So she advised me to deposit another check to cover my negativity. ( On XX/XX/XXXX I had also made another mobile deposit for # XXXX for {$200.00} which was paid ) So I went ahead on her advice and deposited ck # XXXX for {$1000.00} via mobile deposit @ XXXX. I was advised that {$220.00} would be available immediately and the rest tomorrow on XX/XX/XXXX. And she told me that if I called back tomorrow that they would know the specific reason that XXXX XXXX did not honor the check. Well on XX/XX/XXXX the same thing happened again, my husband woke up to another alert on his phone which he agreed to which once again wasnt until about XXXX XXXX after being sent way earlier that morning. And so I went online and checked my balance and the deposit that was there earlier has now disappeared. It was gone, I couldnt find it anywhere, but I did receive a confirmation email, so I once again called customer service and se could not locate my deposit either she said there was no deposit, I told her that I had a confirmation email, but she said that probably it got kicked out and not processed. But she did say that the reason XXXX XXXX gave for not paying the check was suspicion of fraud. Just because my husband did not respond to the alert quick enough. That was the only thing they had to go by. So I called US bank customer service back and they put me through to fraud department. I told them what I was told by customer service. They said that my account was in the process of being closed and that I have to contact a branch manager that they are the only ones that can send an email to the risk department to ask that my account be reviewed and left opened. So they said to first contact XXXX XXXX and find out why they didnt pay the checks then call the branch manager with that info and tell them to send the email to risk management. They gave me the number to the XXXX XXXX XXXXXXXX. I called and spoke with a banker named XXXX. He said that his manager was on a conference call, so I told him what was going on. He was going to tell her everything and have her call me back. After about an hour I have heard from her so I called back. XXXX said that he had been looking and said he didnt know why they told me that XXXX branch manager would have to contact the risk department because XXXX said that customer service had more connections than the branch did. But he said that from what he could see that my account was being closed, he said that the manager said that when an account is new and an item is returned that the account is closed. I explained to him that it was a misunderstanding on XXXX XXXX part and that they were releasing the funds and they were going to my account. XXXX said that the funds would be returned to XXXX XXXX. He said that anytime an account is blocked that no funds can go into or out of an account. He said even if it was payroll that the funds would go back to the employer. So now I called the fraud department back, that lady I spoke to said, HE IS ABSOLUTELY CORRECT, WITH A BLOCKED ACCOUNT FUNDS CSNNOT GO INTO OR OUT OF THE ACCOUNT. Well they were both wrong. Because later that afternoon the {$1000.00} was transferred into my account. So when I called the bank back again and confirmed it, all they can tell me is that my account is blocked and that I have to wait to receive a letter from the risk department and that I will receive a check. That is not good enough. I was told my money would not go into that account, well it did do now ehh wont they give it back to me. I feel like I am being treated like a criminal. They are closing my account for suspicious of fraud which makes me look bad. And when I made the second deposit I paid credit card bills not knowing they put a block on my account. So luckily I was able to catch XXXX of my XXXX credit card payments in the pending status and use another debit card for payment and they were not late. But one was not caught and it was returned because US bank did not pay it even though it had my {$1000.00} in the account. And I was hit with a {$35.00} return fee. So I think I should be refunded for that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 304XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit limit on my US bank credit card was significantly reduced very abruptly I have heard they can do this without peoples knowledge but I clearly feel this is very unnecessary and inappropriate considering I was always on time for years with all my payments except 1or 2 times I paid slightly over the due date and instantly they reduced me all the way down to where it looked as tho I had maxed out my card affecting my score and hindering all the hard work I had built on my credit score I had reached out to Us bank several times asking them to reverse this they said I had to request a credit limit increase which would also add an inquiry this is not a fair practice I warned them if they did not accommodate my request fairly soon I would be closing my other accounts with them I had had for several years as well as rating them very poorly and never returning
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85365
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with XXXX XXXX I have No contract with XXXX XXXX. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j XXXX has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
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: 2023-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Whenever these inquiries were getting pulled i noticed that they pulled it from my XXXX cause it has ov er 20 hard inquires piled up on there and most of these were supposed to be soft pulls but that is not the case. This is the List of companies that did this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ELAN FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
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: 2023-12-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Elan Financial continues to show a paid off account that they wrote off on my credit report. Creditor never provided me with a 1099c and has written this debt off. Elan must conform with Form 1099 IRS regulations. Please provide me with a 1099c or and remove this from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: At the day XX/XX/, the US bank closed my account. ( My account number : XXXX ) and I have no idea why they closed my account. Also, I tried to call and ask to US bank customer service but they do not give me any information about the case and always automatically shut down the phone. I really want to know what day exact they give me back my money and the reason why they close my account because I do not want it close, they have usually used for a long time with nothing happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I am writing to bring to your attention an old late payment issue that occurred on my account, and I would like to clarify that it was not intentional on my part. The payment in question was scheduled as an automatic payment, and I rely on this method to ensure timely payments. Unfortunately, there appears to have been a glitch or issue with the automatic payment system, leading to the late payment. I appreciate your understanding and prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/23, credit card that I did not authorize was issued in my name by someone else for the amount {$6800.00} Credit card company that opened the account is called XXXX XXXX XXXX . I called the company on XX/XX/23 and spoke with the fraud specialist and was told investigation will be done on the case. Awaiting further action and responses from the company. I called XXXX and spoke with the fraud specialist as well about the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a US Bank checking and savings account on or around XX/XX/XXXX. I was supposed to take the following two actions to earn a bonus. 1. Make 5 direct deposits totaling {$6000.00} within 90 days to receive {$400.00} bonus ( US Bank paid this out on time ) 2. Keep {$25000.00} in the bank until XX/XX/XXXX to receive {$200.00}. My transfer was initiated on XX/XX/XXXX. My funds were kept in the bank until XX/XX/XXXX when i started moving it out as a US Bank representative told me it might take up to 90 days from XX/XX/XXXX to receive the bonus but i was good to move the funds out. I was told that the credit should be received around XX/XX/XXXX. More recently, i was told that the bank was researching why i had not received this credit but it would be in my account before the end of XXXX I believe. I still have not received it and want nothing more than to get the bonus and close my account at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XXXX XXXX at XXXX there was a transaction done for the amount of {$800.00} in XXXX Ca XXXX I received an alert via email regarding that transaction that stated that the transaction for {$800.00} was preauthorized. with a date of XX/XX/XXXX with a balance of {$110.00} the date and the balance amount was wrong. I called right away as soon as I saw the alert tried 4 times to get thru the line the customer service department keep answering and sending my call to leave a review of their service when they had not even help me they will say please hold and will send me to leave a review. I drove to the XXXX XXXX XXXXXXXX atm in XXXX, CA XXXX my town and withdraw the rest of my money that was left after the fraud transaction and to have proof that I had my card with me. I got to talk to a customer service rep after several try 's and calling two different numbers. I stated what I received and advise the customer services rep I didn't not make, nor authorize that transaction for {$800.00} that the business showing in my Us Bank focus card app is about 3 hours away from me. That the transaction was done at XXXX and is XXXX and I withdraw what was left in the card in my town XXXX. I was advise the card was going to be cancelled and I was going to be issued a new one, that I need to call back when the transaction has posted. Next day in the morning about XXXX I called back since I had received an alert stating the transaction had posted to my account, so I called customer service to start the dispute process. Same day I faxed my proofs that it was not me who did that transaction, I was giving fax number XXXX to send my statement and proofs that I had it was not me. I called the following day to check the faxed was received and I was advise that it takes 3 to 5 business days. I continued to follow up on the fax with no success. I was advise again the fax was not received I asked to speak to a supervisor per the agent she was the supervisor XXXX she told me my dispute had been denied base on their investigation, to what I reply base on what? she said if I wanted a copy of what they base their investigation on I stated that yes. On XX/XX/XXXX, XXXX I re faxed my documents again to this point I had not received the denial letter. On XX/XX/XXXX I called again asked if they had received my faxes the agents stated they did received them to follow up in a few days. I called again on XXXX XXXX and asked about my dispute again the rep stated it was denied to wait for the letters. I asked to be transfer to the fraud department and I was told like other times that she was not able to transfer me to the fraud department because they don't have a number to be transfer to, they only communicate thru messages. I very overwhelm about this situation so I asked to speak to a supervisor again she get on the line I explain to her I had received the denial letter and the documents they sent in what they based their decision and it was only 3 XXXX with 2 with addresses that I don't live at and the last one my current address wish it shows how far I live from the place where the transaction was done, I explain to her that it was impossible for to have done a transaction in XXXX at XXXX and withdraw money in XXXX XXXX Ca my town at XXXX if she can see the distance is 2hors and 56 minutes the Shortes route the other 2 routes from my address where more than 3 hours. ( I'm attaching the maps they sent to me ) to what she answered that the outcome was going to be the same nothing was going to change. I stated I have videos from my XXXX XXXXXXXX that proofs that I was home and that I can provide them. I also stated to her that what they don't contact the merchant to get videos, receipt or anything that can prove it was not me, I told her I'm pre sure they ask for Id for the type of business that is. She answered that they did I asked why that proofs where not sent to me and she stated that they can not provide me with that that is confidential, I replied confidential is my card is my money, I want those proof or I'm going to place a complaint with the correct agency to investigate she stated again nothing is going to change the outcome. The customer services and supervisor at this bank are very professionals, impossible to get in touch with the fraud department. Please I need your assistance so they can reconsider and investigate fully that I didn't not authorize nor made that transaction, I'm attaching the videos from my ring camara with date and time to show I was home at XXXX XXXX XXXX XXXX, CA XXXX and not in XXXX, nor XXXX or XXXX as they are basing their decision on addresses that I don't live at. I file a police report and provide all my proofs that it was not me, I requested the report but still not complete, but I can provide if requested once is complete and I can pick it up I can send it to you. Per their denial letter states that I authorize, made or benefit from the transaction which is false accusation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93203
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A