Date Received: 2024-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: USBank is stating I had a 60 delinquency as of XX/XX/23. However, the HELOC was paid in full and closed on XX/XX/23. In XXXX, I paid the minimum amount due using the online payment system. USBank is stating I was short {$16.00} on that payment. I paid {$1000.00} and USBank says that I should have paid {$1000.00}. At time of payment, my checking account had over {$4900.00} and paying the additional {$16.00} would not have been an issue. I filed a dispute, they said what they are reporting is accurate. I spoke to my bank manager and she escalated to the Regional Manager in XXXX Colorado. They stated I needed to again dispute with their team and provide additional information. I am trying to refinance my home, and these two 60 day delinquencies are impacting my credit score very negatively and I will not be able to re-fi and will cost me thousands.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, the co-owner of one of my accounts and I tried to make transactions on behalf of our children using our shared checking acct ( ending in XXXX ). The transactions declined. When I went in to move money from the associated overdraft protection account ( ending in XXXX ), the option and account disappeared from my account dashboard. However ; XXXX was able to see it on his end and had to move the money, manually, into the shared account to cover the transactions. I called US Bank on XX/XX/XXXX to find out what happened. They tried to tell me that only XXXX was associated with that OD account. Asked if I was associated with the account it fed to, they confirmed I was. I asked them why I could have this account and no longer have access the associated OD account. When they were looking into, after an hour on the phone, the line went over to Credit Card Services. They tried to transfer me back and I was hung up on. I need to know why, in the last week, I was suddenly dropped for an OD account associated with a checking account I co-own. Also, we both need to understand why OD is not rolling over automatically to cover transactions. As this was not happening, we were charged OD fees. XXXX and I recently paid off the balance of our OD account and have been having issues with this account since then. I do not see a way to get assistance directly from US Bank as I have been trying with no success. Furthermore, I do not see a Compliant and Grievance number I can call to assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I recently discovered that US Bank has been reducing my rewards on my XXXX XXXX XXXX XXXX XXXX Card ending in XXXX without out notice of any kind that they were reducing my rewards. In 2023 they reduced by rewards from XXXX to XXXX. The statements have no information on the reduction or warning of further reductions. This likely amounts to XXXX of dollars for customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55317
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: US Bank attempted to charge a card linked to a checking account. When the amount wouldnt go through due to no funds in the account, US Bank overdrafted the account and then closed it. They then sent a letter on the XXXX, that I finally received on the XXXX, that they were closing the account and may report this to a credit agency in order to collect the requested funds. The overdrafted amount is around {$100.00} and after fees, they are requesting {$240.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Ive had charge cards open without my knowledge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: They stopped sending us monthly statements several months ago. They have also refused to provide me with a statement of interest paid for 2023, so I haven't been able to do my taxes. I have contacted them several times by phone and I even sent them a letter. I never opted in to electronic communications with this company, I do not have and don't want an on-line account with them, and if for some reason they think we opted into them not sending us statements and tax summaries, I therefore revoke any such permissions- as I sent them in writing weeks ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 652XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Previous Inquiry Created XX/XX/2024 Multiple Inquiries Error There are multiple inquiries all within one day of each other on my credit report, but I only authorized one of them. I previously disputed this inquiry stating : " I dont recognize this amount of inquiries by this lender, and I dont remember authorizing them to perform multiple hard inquiries on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The US Bank XXXX XXXX XXXX is supposed to give XXXX points on all mobile wallet purchases. Mobile wallet is supposed to include XXXX XXXX, etc. I use the mobile wallet regularly. Since XX/XX/2024, the card has not been issuing the XXXX points on mobile wallet purchases, instead issuing XXXX points. I spoke with US Bank several times and this culminated in a previous CFPB complaint. I was told that this issue was being worked on via response to the CFPB. However, I received a subsequent letter stating that they still did not have any resolution. Further conversations with customer service failed to rectify the issue with them saying there is no timeline for resolution, admitting they could not deny that a resolution could be XXXX months off - or more. This is not acceptable. It does not seem that US Bank is prioritizing this issue, frankly I don't believe they are working to get it fixed at all. They have also failed to notify cardholders this is happening at all, we have not received an email or letter notifying of the issue, instead they are hiding the issue which is why I don't believe they are working to fix it because they are simply hoping people don't notice. We pay {$400.00} a year for this card, this is not acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I notified US Bank 's fraudulent department that a non-authorized, fraudulent draft check in the amount of {$990.00} was paid to the order of QB Accounting Services from our account. This is not a known repeat vendor of our company nor was it eve authorized for payment. After repeated calls to the US Bank asking when investigation would be completed and funds returned I have been told they will contact us whenever they finish their investigation. I understand this issues should be resolved within 45 days of reporting. US Bank has not contacted me in writing confirming my filing this claim with thier fraud department nor have they outlined steps that will be taken in the resoluton of this and by when. This money has been deducted from the account since XX/XX/XXXX. I previously reported this to their fraudulent department on XX/XX/XXXX but they claim they have no record of my phone call. On XX/XX/XXXX I personally wentt to the bank and filed an Affidavit of XXXX XXXX XXXX and stil have not received any communication from the bank. XXXX claim ID # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: This is in regards to US BANK. My husband and I closed our account on XX/XX/XXXX. We closed the account because the local branch closed. The bank sent us a check dated XXXX XXXX for XXXX cents our remaining balance. I then received a check dated XX/XX/XXXX for {$16.00}. On XX/XX/XXXX we received an insufficient fund notification that said we owed them {$37.00} from a dispute I had settled last year around XXXX or XX/XX/XXXX. We then received a bank statement dated XX/XX/XXXX through XX/XX/XXXX stating that we are negative {$37.00}. Then we received a notice dated XX/XX/XXXX that they were wanting their XXXX and that they were charging us a {$30.00} account charge off processing fee, and that our account would close on XX/XX/XXXX, they also said in the letter that they would report us and would hurt us in getting further bank accounts, collection efforts would continue, and saying we would no longer have access to the account ( we haven't had access since XX/XX/XXXX the day we closed the account ). I have had more written correspondence from them since XX/XX/XXXX than we ever received in the 9 years we banked with them! I have talked to several people at US BANK, I have at least 3 recordings, one banker said we owe them nothing, others tell me different stories! Our problem is how do you close an account and then the bank reopen it? They have frankly made my husband and I sick! Any help would be greatly appreciated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A