Date Received: 2023-12-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: US Bank closed bank account associated with credit card, but left the credit card open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: US Bank closed the first bank account that I opened with US Bank for an unknown reason and may have reported false " potential fraud '' to consumer reporting agencies, such as XXXX. This action resulted in being denied banking accounts by other banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: ON XX/XX/XXXX OF XXXX my card was used by an identity thief, this person used the card to do the following transactions : XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/20XXXX XXXX {$3500.00} XX/XX/XXXX XXXX {$3800.00} XXXX XXXX {$3300.00} I called the bank to report the card stolen and also to report these charges as fraudulent. US BANK conducted an investigation and concluded that all XXXX charges were fraudulent and were properly credited back to my account, it was confirmed a thief used was card. What didnt make sense to me is that the XXXX XXXX were not considered fraudulent when they were made by the same person and same date. they sent me proof that supposedly i did it, but as you can see in the attached proof they sent was all made by a fraudster the thief sent the company an expired ID the thief also sent an income tax that i was making XXXX a year working with XXXX. when i only make around XXXX with XXXX XXXX. this makes no sense it is clear here that the thief sent XXXX XXXX fake documents and an expired ID stolen from my wallet. Why would the company accept an expired ID as form of identification? all documents are fake and made by the thief. US BANK SHOULD KNOW BETTER, why would US BANK CLOSE MY ACCOUNT after being a victim, US BANK DECIDED TO CLOSE MY ACCOUNT and also charge me more than {$5000.00} USD. this is not fair. I NEED US bank to properly investigate this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me USA bank XXXX XXXX XXXX XXXX XXXX XXXX those are all the banks I seen that was opened up in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently opened an account with US Bank. My business name is XXXX XXXX XXXXXXXX XXXX and I do business as XXXX XXXX and XXXX. Both offer the same services but one is for commercial clients and the other is residential clients. When I opened the account I supplied US bank with all of this information including the businesses articles of incorporations. After 3 months of depositing checks, US bank decided to freeze my account for supposed fraud. US bank refuses to tell me what kind of fraud was committed or release my funds. US bank has rejected incoming transactions but they took incoming deposits that were meant to cover the incoming transactions. Now US Bank has fraudulently taken my deposits and still has yet to contact me about the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
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: On XX/XX/XXXXXXXX I made 3 payments to State Farm Insurance Co charged to my US Bank credit card which I will refer to as account # 1. There is another US Bank credit card account I will refer to as account # 2. The amounts charged to account # 1 were {$510.00}, {$480.00}, and {$570.00}. Please note this account # 1 has a 0 % interest promotion till XX/XX/XXXXXXXX and that is why I wanted to use it. The amounts of {$510.00} and {$480.00} billed to account # 2 properly. But the amount of {$570.00} was applied to account # 2 in error. Please note I was on the same screen for all 3 insurance policies at one time in the same payment session. I received an email for each payment from US Bank. One of the emails stated that the {$570.00} was charged to account # 2. I called US Bank on XX/XX/XXXXXXXX @ XXXX and explained what had happened 3 times to the same person. She just could not understand what I was telling her. Which was a very simple thing to understand. She then told me that she did see the charges on both accounts but could change anything till it billed complete, that they were still processing. She told me should would handle crediting the account # 2 and billing it to account # 1 as soon as it finished processing. But she never did. I have had several situations with US Bank in which they refused to follow there own published documentation, they were very disrespectfully, they never do what they said they would do, it was always someone else 's fault or responsibility, and I was always wrong but they ended doing what I requested and suggested only after I registered a complaint with you. Today when I called and started to explain what happened the lady starting interrupting me after I spoke every few words or so, and would say she would not be able to help, or that I would have to go to State Farm, or its too late to do anything now, before she even heard the complete series of events. I never got to tell her which accounts or any dollar amounts. When I asked her to please stop interrupting me and please let me finish my sentences I heard a click and a beep on the line like when a recording is stopped or started. After that she really got ugly, so I just told her never mind I will just make a complaint with you, and she told me " I don't care what you do '' and said good by and abruptly hung up. So all I am requesting is that account # 2 be credited and the {$570.00} be transferred to account # 1 and any interest charged on account # 2 be credited to that account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I've filed a complaint on XX/XX/XXXX with CFPB with not being able to access funds on this prepaid gift card I purchased. I received a response from someone named XXXX, see attached letter. On XX/XX/XXXX I reached out again to rectify the issue I was told again to fax my personal information to a number they provided. I did and waited a week to follow up. Of course the fax number was down during that period and I was asked to fax to another number on XX/XX/XXXX. I was told by a supervisor named XXXX that I would need to wait another XXXX days to make sure they receive the fax. This is beyond ridiculous to wait that long to verify a fax and even worst to go through this to retrieve my money because of some " suspected fraud '' on a card that was working.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a credit balance of {$14000.00} on my US Bank credit card account due to an unintentional balance transfer to XXXX XXXXXXXX XXXX. I requested US bank to reverse the balance transfer payment sent by XXXX XXXXXXXX XXXX. US Bank issued a reimbursement of {$14000.00} back to XXXX XXXX XXXX and sent on XXXX and charged against my credit card, but instead of the entire amount of {$14000.00}, US Bank only paid XXXX XXXX XXXX {$5900.00} on XXXX, yet US Bank still charged my credit card the entire amount of {$14000.00}. Which meant they still owed {$8200.00}. I have called US Bank several times to no avail. They did open a case XXXX on XX/XX/XXXX and asked to give them 10 to 14 days for resolution. On XX/XX/XXXX, they charged my US Bank credit card another {$8200.00} which was supposed to be the difference owed back to XXXX XXXXXXXX XXXX, not be charged against my US Bank credit card again. It was the difference they owned from the original {$14000.00}, but only sent {$5900.00} to XXXX XXXX XXXXXXXX. They seem to be so confused with such a simple transaction, they keep charging me over and over again. They need to remove the charges of {$8200.00} from my US Bank credit card as this was the difference they still owed from the credit balance of {$14000.00} they didn't pay XXXX XXXX XXXX in full.
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: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is related to complaint case # XXXX US Bank is washing its hands of the matter, First they say they " Protect the customer '' when they accept checks ( without first checking if they are fake ) in 49 minutes! The first check was deposited on XXXX at XXXX XXXX and was accepted the same day at XXXX XXXX, the money was available and I was the victim of a fraudulent transfer of XXXX XXXX on XXXX at XXXX : XXXX XXXX, The same day they made a transfer of XXXX XXXX at XXXX XXXX. I wasn't even awake at that hour. They say they sent a letter about holding the check, but it takes days for that letter to arrive by email, when they were able to contact me by phone immediately. The second check was deposited on XXXX at XXXX XXXX and the bank accepted it at XXXX XXXX ( at least this one took longer ). On XXXX, two unauthorized transfers of {$1000.00} each were made, the first at XXXX XXXX and the second at XXXX XXXX ( after they reportedly froze my account ). Report fraudulent transfers on XXXX ( within 60 days ) Then, while I was waiting for a response about the stolen money, I called and made my address change on XXXX, to receive the correspondence. Attached is a screenshot of the email confirming the change of address. But on XX/XX/XXXX, they sent correspondence to my old address, exposing my personal information again, the bank already knew that I had been a victim of fraud and continued to compromise my personal information, plus I never received those letters because they did not change my address in the system. Finally, they said they were going to close the account and on XXXX a charge of {$82.00} was made, from an account that they were supposed to CLOSE and that is under investigation. Is this how they protect their clients? I'm surprised that the hackers haven't taken out more money, I say if that's how they " close the accounts '' they can still get money out of them. I demand that US Bank answer for the stolen funds due to its poor cyber security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: I submitted complaint XXXX on XX/XX/2023 ( attached ). Fidelity responded on XX/XX/2023 ( attached ). In their response Fidelity claims : " Our subsequent review of your claim has revealed the claim was not handled correctly. '' And then asks I provide further information and that : " As soon as the requested information is received, a provisional credit will be issued for that amount and final resolution letters will be sent. '' I responded with the necessary information within XXXX hours ( attached ). However, Fidelity has failed to respond once again. No credit has been issued and no letters have been sent. I am now being charged a late fee for failing to pay my credit card bill. However, payment is impossible because the disputed charge remains on my bill. After 10+ years of paying my credit card with fidelity on time, I will have my first late payment due to their inability to handle this dispute properly. There will also be negative credit reporting due to late payment, which means I am paying for Fidelity 's mistakes with my time, money, and credit score. Fidelity claims in their response to my previous complaint that they attempted to call me 3x on XX/XX/2023 and XX/XX/2023. However, I have no record of these calls happening three consecutive times. They also claim they could not leave a voicemail. Oddly, several business and personal voicemails have been left during the time span of the supposed calls. I believe these calls did not happen, as the facts do not support it and Fidelity now has a history of failing to communicate with me on matters with this dispute. As they admit in their own response. I have attempted to resolve this issue with Fidelity since XX/XX/2023. It has costed me 50+ hours of time, 30-40 calls, and several faxes. The time is invaluable and the calls and faxes have now accrued significant personal cost to me, as I have to pay for each one. Fidelity 's behavior on this matter is appalling. They have miscommunicated, misled, and mistreated me during the whole process. I am going to write a 2nd complaint on the same issue, because it is the only way I can get any response out of them and they continue to make false promises and not follow through. In order to resolve the dispute I firmly ask that : ( 1 ) A credit for {$2500.00} is immediately issued to my credit card. This amount represents the total disputed amount minus {$130.00} that was previously credit to me. The cost of moving XXXX, booking new ones, throwing away food, changing flights, changing my travel plans, and losing several days does not begin to be covered by this credit. The cost of the XXXX I had to leave due to an illegal invasion of privacy and safety by the host is far higher than my refund. The service was not only not what I paid for, it had significant financial cost to me to fix it. ( 2 ) I be reimbursed for my time, fees, and communication costs. A 10,000 point gesture is nice, but meaningless when I continue to accrue late fees because Fidelity does not do what it says it will. I have lost significantly more money on this matter than I should have because of Fidelity 's inability to handle it properly. ( 3 ) Any negative credit reporting for late payment be reversed. I should not be penalized for Fidelity 's mistakes. ( 4 ) A detailed explanation of why I am being treated this way. I have been a customer with Fidelity for 10+ years, since my first job. I have followed all Fidelity rules, communicate properly, and provided all information asked in a timely and organized manner. Even when I had to call for the 20th time I treated all employees with respect and patience. I have never been angry, unreasonable, or untruthful during this process. Yet, Fidelity lies to me, treats me badly, and does not handle my issue fairly. It has cost me so much time, money, and stress you can not begin to imagine. ( 5 ) Due to Fidelity 's untruthfulness, inability to communicate, and growing cost to me to resolve this, I request all communication be done on CFPB or Fax. I can not trust Fidelity and need written communication from here on out in case this needs to escalated further. I have already told Fidelity numerous times I can not communicate with Mail and they clearly can not communicate over the phone despite my attempts. Since Fidelity refuses to email me, my fax number is XXXX. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A