Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried to resolve this issue with the debt collector and informed them that I was a victim of identity theft and I didn't open or give anyone permission to open this account. I asked for access to the account to see what was purchased and see how much credit was used and got no response, but just to pay it. Witch I refuse to do. I have absolutely no access to the account, it was opened up with fraudulent phone number and email address. I have disputed this in the past and got no were. I also found out that the account is still OPEN when I asked them Several times to close it. Because I didn't give them permission to open it. I asked what type of identification was used to open up the account. I noticed that the debt collector keeps adding late fees on the account. I feel that Debt collector is not being fair about this situation at all. I need to resolve this issue ASAP. can someone please assist me with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Money was stolen from my account. I called it in immediately to US Bank as fraud. They ensured me it would be taken care of. The money was reimbursed but shortly taken away again. I called back and they told me tit es part of the process and to wait a few more day. I waited a few day and called back to get an update and was told no actions were being made to settle my fraud case. I was lied to by a US Bank employee who said they would make note and send it to the appropriate department. Turns out there were no recent comments on case and nothing was being done. The person I talked to recently guaranteed I would get my money back and I would get an update call soon. I am making this complaint for the untruthfulness of US Bank who thought I would just forget about my money. Still havent been reimbursed for obvious fraud on my account that they also admitted to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a Notice of Insufficient funds. The statement has a right address of mine but the account information belongs to another customer " XXXX XXXX ''. I called the US bank to fix the issue but they simply asked to returned the statement. They were in no mood to investigate further if this is a systemic issue and more prevalent. I am worried my transaction information is accidentally being sent to other customer, just like i received the information of XXXX XXXX. I want Bank to make an investigation into the matter and inform me of the outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The following pertains to my relationship with U.S Bank. and this is an emergency. On or about XX/XX/XXXX, I opened up a client trust account with U.S. Bank. I already had an IOLTA and operating account open and those accounts had been opened with Union Bank in approximately XXXX of XXXX ( prior to U.S. Bank 's acquisition of UB ). My client wrote a check for the purposes of opening the above described client trust account, but wrote the check for too large a sum. Apparently U.S. Bank did not verify whether the check was good. I did reasonably verify with my client that the check would fund to the best of my ability, but unfortunately my client was mistaken. It was certainly not an intentional act on his part. Understandably, my client 's check was returned. However, U.S. Bank then proceeded to close both my general IOLTA and operating accounts. I spoke with an individual -- a U.S. bank representative named " XXXX '' on XX/XX/XXXX. I was informed that the bank would not release any money until XX/XX/XXXX, and that it would take an additional 5-7 business days for me to receive that check in the mail. Until I receive that money, I can not take on any new business and all business expenses including court filings, legal services e.g. XXXX must come from personal money and/or credit cards. It's going to take about 30 days to establish a new bank account due to the processes involved. U.S. Bank has destroyed my ability to do business for at least a month over a mistake I didn't make and seemingly through its own negligence by failing to verify a check for a large amount ( again, not a check I wrote ). I have never had a negative balance with either Union or U.S. Bank. There has never been an incidence of fraud or any other negative event involved in my dealings with any business at any time. Yet, without any warning -- not a single phone call or email, U.S. cut me off from being able to do business. The professional consequences to me could be extensive for myriad reasons, not to mention it is outright embarrassing ( which could have professional consequences as well ). Thank you for your 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: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I started my accounts with XXXX XXXX XXXX XXXX in XXXX and had checking, saving, credit card, and the Line Of Credit ( LOC ) accounts. My LOC had a limit of {$40000.00} with interest rate of XXXX XXXX XXXX In XX/XX/XXXX I received a notice from US Bank increasing my LOC interest to Prime + 2.99 %. On XX/XX/XXXX again I received another notice that they intend to increase my interest rate to Prime + 8.74 % effective XXXX After my call on XXXX using my Opt Out option US Bank confirmed on XX/XX/XXXX that my LOC was cancelled and the interest rate would stay the same until my LOC balance of about {$29000.00} is paid off. Since then I have paid my minimum payments as direct withdraw from my account and my recent LOC balance is about {$5000.00} and the interest charged is 11.49 %. Withdraws from my US Bank and later XXXX XXXX accounts have been executed few days before due date and never been late or defaulted. In spite of my credit rating of XXXX, US Bank ( during Covid19 period ) without proper notice cancelled my credit card and checking account, and later I closed my US Bank saving account and had the payments made directly from my XXXX XXXX account. Thank you in advance for your consideration and help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My U.S Bank account was hacked/unauthorized withdrawal for a total amount of {$1200.00}. My card had an unauthorized withdrawal made the first time for XXXX and the XXXX the second time by a bill pay transaction with XXXX XXXX. I spoke with a bank representative after receiving an alert saying my email was changed. I called the bank and alerted that withdrawal wasn't me. The representative told me that they would investigate, send dispute forms, send me new bank card, refund the funds and she was going to change my email back.The following week my card had the same error/withdrawal ( XXXX ). I alerted bank. I recieved the dispute papers and fax the paper work. A few hour later I received {$1000.00} on my bank. An hour later the same thing happened with the same name attached to the transaction. I made a dispute again. My account has been compromised. I have made no withdrawals.My account was dormant for three months.I have no allotments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Per offer term, The business checking bonus will be deposited into your new U.S. Bank Silver, Gold, or Platinum Business Checking account within 30 days following the last calendar day of the month you complete all the offer requirements, as long as the account is open and has a positive available balance. The account was opened on XX/XX/XXXX and the last calendar day of the month all requirements were completed is last day of XXXX. It has past the deadline for bonus deposit. Please kindly advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/ my account was frozen because file XXXX XXXX due to job loss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$100.00} VISA gift card from my employees for my birthday. I used the card once for {$12.00}. I tried to use it again for an XXXX online order, but it did not appear to work. I went to the card website to check the balance and was locked out. I called the number on the back of the card and tried to obtain the balance and was told the card was not registered to me, and that the information I gave them was incorrect. I was surprised as I did not believe I had registered or needed to register the card in my name. It's a gift card. I then tried to use it as a store, thinking that if I had the correct PIN it might work, but it didn't. It said not authorized and confirmed to me that the card was shut down. I called again and they told me the card was compromised, and that I needed to send in a copy of my driver 's license, and a letter saying it's my card. The company did not sound solid on the phone, and I don't want to send my driver 's license to them. I also don't want to give up the balance to this card company that may be scamming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Victim of identity theft US Bank. XXXX XXXX XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A