Date Received: 2023-11-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: XXXX XXXX Account # : XXXX Open Date : XXXX Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: US Bank account Last month and this month {$300.00} in Overdraft charges... Senior citizen on XXXX only
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95501
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Us bank ignoring my pay out, a XXXX $ bonus for opening new checking .I being talking to 3 or 4 Us bank representatives over this situation and even ask them to see what is going on a my situation over the last 3 months. They did go over with me a bout this bonus and that I did satisfied all the conditions that required. They all tried the same method helping me by filling out a Missing Bonus on my behalf for the past 2 months and until now still empty promises with a forever silent treatment. This is a worst treatment I have never encountered in all my years of banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Called the number provide informing them of the charge on the card. They canceled then card and was told they were going to send the replacement card with the missing funds. The card never arrived. Called again ( XXXX ) requesting the same thing and they were confused on what i was asking for. Put on hold many times returning back on telling me that it was a charge and to get my funds back i had to send in a letter to an address i did not understand. The amount on the card was XXXX and a charge to the card happened at a gas station in the XXXX XXXX, in the amount of XXXX. I live in west coast.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a matter concerning my mortgage account with this bank. During the COVID-19 pandemic, I experienced significant financial instability, which led me to seek assistance from the bank in adjusting my payment plan. Despite multiple attempts to contact the bank, I did not receive any response, rendering me unable to afford the high payments at the time. It was only after the COVID-19 pandemic had subsided that I received a response from the bank. Subsequently, we were able to establish a new payment plan, and since then, I have consistently made timely payments, with no further instances of late payments. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. I understand the importance of accurate credit reporting, and I believe that the presence of these late payments on my credit report does not accurately reflect my current financial situation and payment history. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This loan is suspected fraudulent I have all the necessary paperwork It is important to remember that I have already tried to resolve this matter. I was told that because of payments being made that it was sufficient enough to determine the outcome. Unbeknownst to us bank I have a police report stating the nature of that account. Please see the the two attachments. My unlocked cellphone was stolen when I was homeless and my personal information was used without my knowledge to make debits. When this was found out the account was close up. To add on years later and XXXX still has my information in multi factor authentication linked to the old cellphone in which was stolen, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I dialed XXXX to inquire about the declined transactions, and they informed me it was due to suspicious activity. After providing my information and sending documents via fax, I called for updates multiple times. However, they repeatedly hung up while I was providing my card number. Upon reaching a representative, I was informed that my ID was missing, despite having proof of submission. It's been months, and I feel they are engaging in suspicious practices, as evidenced by numerous reports on XXXX and other platforms. This conduct is not new, and I believe they should face fines for such actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92843
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: Neither the website, nor verbal dialogue with a US Bank XXXX number representative, clearly stated that the CD would not " roll over '' within the same CD " category '' as originally purchased. The website, and published material, both leads one to believe that the matured CD would renew at the nearest rate of return that is then being offered at the length of time as the original purchased CD ; as stated on it's website : " If you choose to take no action during the XXXX grace period, your CD will auto-renew its current balance and term with an APY ( Annual Percentage Yield ) determined on the maturity date. '' Instead, US Bank deceptively rolls funds into it's lowest rate of return CD in an entirely different category as the one originally purchased, and whose category is buried in the website. I purchased a XXXX month, XXXX XXXX CD with a return rate of 4.5 % on XX/XX/XXXX. It matured XX/XX/XXXX, and our funds were then " rolled over '' into a XXXX month CD, but at a rate of only 0.5 %, and in a CD that is not in the same category as the one we purchased. I called their XXXX number, XXXX XXXX, on XX/XX/XXXX, and spoke to a representative who took down my information and stated that a senior management person would open a complaint file and take further information from me. On XX/XX/XXXX, I called my branch representative, XXXX XXXX, at ( XXXX ) XXXX, and was told I needed to call the XXXX number as she could not assist in my complaint. I again called the XXXX number on XX/XX/XXXX, and repeated my request to file a complaint and launch and investigation. To date no one has gotten back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX I purchased a US Bank Mastercard gift card from XXXX for {$500.00} + {$6.00} fee. I have attempted to use this card multiple times and it does not work. I was informed by US Bank support to fax in the front and back of the card and id. I did this multiple times, including multiple pictures of my drivers license. I called approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I talked with a supervisor and he told me the first fax that I sent on XX/XX/XXXX was readable so it should go through properly. Each time I call I'm told id is in reverse image which apparently means it isn't completely legible. Keep in mind I confirmed XX/XX/XXXX first fax had an image that was entirely legible per supervisor. I am attaching the front and back of gift card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed without reason I called and a rep by the name of XXXX was rude and extremely unhelpful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A