Date Received: 2023-11-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I need to set up auto pay, no one can help me over the phone. There is no link to set up a simple autopay online, just a link to download a pdf to fill out and to mail in. The form does not even have a fax #. I am not going to the post office just to send a piece of paper to the bank to pay. They should have a link to set up online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
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 have a credit card with US Bank and noticed fraudulent charges on my credit card and immediately notified the bank. The fraudulent charges were made on XX/XX/23 XXXX XXXX XXXX XXXX XXXX {$95.00} XX/XX/23 XXXX XXXX {$74.00} XX/XX/23 XXXX XXXX {$250.00} XX/XX/2XXXX XXXX XXXXXXXX XXXX {$12.00} XX/XX/23 XXXX XXXX XXXX {$47.00} US Bank notified me and told me charges were valid because the chip card reader was utilized and that there was nothing more they can do and basically I was responsible for the charges. I asked if they can call the companies that the charges were made and was told they don't do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have called numerous times and talked to several different customer service representatives inquiring about numerous re-occuring negative balances in both my checking and savings accounts. When I signed up for a savings I asked that they would do a transfer of {$250.00} from my automatic check deposits every two weeks the day they are posted to my savings. Every two weeks there is no {$250.00} deposit in my savings account so I am having to manually put it in. Then my account is popping up with a reoccurring negative balance of {$250.00} at least twice a month, and I'm being charged the daily negative balance fee on top of this. Plus interest according to what the lady just told me on the phone. She claimed that the {$250.00} is refunded the next day but I'm not seeing this in my account. I pulled up every bank statement since May and wrote down the month and dats in which my account was in a negative balance. On every occasion that I was finally at a positive balance was when I had a paycheck deposited and they took that money to make my account positive as well as having to borrow money from others to bring my account positive. They are also taking money from my savings account when I do put money in there to cover the negative in my checking account against my wishes. I added up every reoccurring negative amount since May and added it all up and it comes out to {$4400.00} there has been so many occasions as I told the lady that I make purchases and check my account and the money has been removed for that purchase, but then roughly a week sometimes more later that money will show up as pending and comes out and I am in a negative balance again which they charge me daily for not having money. I asked the lady in XXXX how much is required in the accounts and she said any amount. But then they are charging me? Ive went over statements with a few of my family members in case perhaps I was missing something and they said same thing it just is not making sense or adding up. I'm not getting the {$250.00} in my account. I'm out almost {$4500.00} to date and I'm very upset I'm a XXXX mother of XXXX XXXX I work full time and half my paychecks are going to the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I applied for a US business checking account online and got approved. The next morning, I called the customer service number and told them I got approved but didn't receive an email with any account information so that I may set up online enrollment and fund my account. The representative told me I had to wait to receive it in the mail and rudely hung up. A few days past and still nothing. I got an email today telling me my account was closed due to non funding. I called customer service and they told me there's nothing they can do. That is totally unfair! Not only did they close my account, but they also report this activity as suspicious to credit reporting agencies so that other banks don't open an account for me. What US bank did was ridiculously unfair and it's really holding me back from being able to do basic business functions such as payroll.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit a while ago and somehow the check bounced and US Bank placed a hold on my account with out telling me anything. In the mean time i transferred in funds which they eagerly accepted. I treid to transfer funds from one account to the other and they did not let me do it so I called in and they said my account is restricted already for 10 days with out notifying me and they emailed a department that will reach out to me when they seem fit and the hung up!!!!!!!!!! See other users issues as well here https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I have a gift card for {$100.00}. I tried accessing the balance through their website and via phone. The website and automated phone do not recognize the card # and there is no option to speak with anyone directly. The expiration date is XX/XX/21 but my understanding in CA is that they can not expire.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I was promised a new XXXX card to replace old card, which had been possibly used fraudulently. Talked to XXXXsBank XX/XX/XXXX. Assured delivery next day through XXXX. XXXX also provided delivery notice. No card. XXXX then notified me of delivery XX/XX/XXXX. XXXX. Same happened XXXX XXXX, and no card today. I was prevented from filing a claim with XXXX because they are awaiting delivery status. They said to contact sender, or US Bank. I called US bank customer service on the XXXX, being advised by XXXX that tracking was incorrect. I was insulted by XXXX in customer service. She said she couldnt and wouldnt go anything. She claims she is a supervisor. I have signed up for a call today from the bank, but I am being stood up, despite three confirmations from the bank. I can provide a confirmation # if desired. I want US Bank to get my new XXXX card to me. Alternatively, I will close all four accounts with the bank and transfer to another bank. I want them to cancel the card being supposedly shipped and issue a new card immediately. This has been 9 days! No one is responding! This bank is absolutely terrible in customer service. I intend to file a more egregious complaint with the Attorney General for fraud in advertising and the difficulty I had setting up a CD. It was appalling and was never corrected. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91214
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: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have no knowledge of this account or inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Verification to prove its me who own the collection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A fraudulent CHEACK was written out of My Bank, Without MY Knowledge or Authorization. Bank CLOSED account AGAINST MY WILL. and said that I closed account. Caused high Risk score. And prevents Opening a New bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A