Date Received: 2023-11-19
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a {$500.00} US Bank Mastercard gift card as a gift in XX/XX/2023. I registered the gift card to my name and address, and did not use it immediately. I attempted to use the card about a week later and got an error. Tried to check the card online and it gave me an error telling me to call the number on the back of the card. This was unusual, because any other time I checked the card it was successful, with no transactions and a {$500.00} balance. Contacted US Bank gift card services at ( XXXX ) XXXX and they told me that my card has been locked for suspicion of fraudulent transactions ( with no transactions at all ), and I have to fax in a copy of my ID and a copy of the gift card. I sent in this information on THREE different occasions to the number XXXX. I have yet to receive a resolution weeks later. I have had customer service representatives hang up in my face, put me on hold for hours just so I can hang up, and transfer me to a survey immediately. The people working for this company have numerous complaints online. My suspicion is that they hope people do not go through the trouble of filing complaints and sending documents. I asked a representative, if I do not send in these documents where do the funds go? He could not answer the question. This is cruel, because there are elderly people out there who receive/give cards to their loved ones and can not go through the hassle of faxing information and calling them 20+ times trying to figure this out. My gift card may be for a measly {$500.00} but I can imagine how that adds up seeing that US Bank is a huge company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Fraudulent checking account opened under my name at US Bank on XXXX. Fraudulent check cashed by a person named XXXX XXXX - according to the bank. Spoke to their fraud department on XXXX. Bank is sending me affidavits and information via email to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
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/2023, I received a notification about possibly fraudulent activity on my US Bank credit card. I immediately called US Bank and shut the card down, and reviewed transactions which had been made that day. The first fraudulently made charge was at a XXXX, and there were several others that did not go through. Two fraudulent transactions did go through- one for {$36.00} at the same XXXX XXXX and one for {$80.00} at a XXXX XXXX and XXXX XXXX . US Bank is refusing to nullify these fraudulent transactions, as they show them as being made using the chip on my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received unemployment benefits thru XXXX XXXXXXXX XXXX XXXX .and I received my payments thru US Bank.for past 2 half months I been having issues US Bank has put hold on my AtM card because I was asked to provide my identity. Which is impossible .after I explain to the customer service representative .due to all my documents were burn in house fire Back XXXX XXXX .I 'm a Permanent Resident since was 5 yrs old my is my social everything was burned including my other phone I have send. US bank a photo of my Identity I'd card that was given to my by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXThey refuse.to accept it .I tried a lot times to get my money from bank .they refuce to close the account which it was open thru XXXXXXXX I have received .nothing but negative results from US Bank .I had to change my account thru my bank I used in past 5 yrs ..US Bank still holding my money all i ask for my money in check or lift hold that has in my AtM CC card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78207
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I hold a mortgage with U.S. Bank Home Mortgage on XXXX XX/XX/2022 was a payment that was posted on my account for a total amount of {$7000.00}. {$1600.00} went towards my monthly payment and {$5300.00} when to my principal. In the Month of XXXX, I attempted to make a payment online but payment would not process so I called US Bank to make my monthly payment that's when I found out about a payment that was posted but not from me at the time I had applied for mortgage assistance through the State of Florida so I believe it comes from the program but was not sure so I ask U.S. Bank and was told that they can not disclose that information after my request. In the month of XXXX, the payment was reversed without notifying me and was needed to make up the remaining balance of {$4900.00} the only option was to force me into forbearance due to a mistake from my mortgage company that I'm still paying for its affected my credit and loan modification. I need it fixed. and it forced me to modify my loan now my payment is higher... I need my credit fixed and my mortgage lowered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In response to a recent complaint regarding XXXX XXXX transactions, XXXX XXXX XXXX stated the issue lied with the US Bank checking account used to make payments. Their response ( attached ) stated repeatedly to reach out to US Bank, as the error is on their end. Their response is incorrect, as a representative identified the error from their side, but US Bank has refused to provide information corroborating this. On XX/XX/2023, I received several emails from XXXX XXXX XXXX XXXX stating that payments had been returned. These payments had been made on 4 dates ranging from XXXX through XXXX for the following amounts : $ XXXX $ XXXX $ XXXX {$850.00}. After calling XXXX XXXX, I was told their system showed that US Bank had requested these payments be returned. At no point did I request the returns. Upon checking payments to XXXX XXXX were posted and available credit reflected those payments as being received, but the amounts did not leave the checking account, nor were they returned on XX/XX/XXXX. Attached XXXX XXXX statements will show successful payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( x2 ). However, attached US Bank statements from the corresponding checking account will show that those payments were not reflected. After several hours on a call with XXXX XXXX, a representative did identify an error caused by XXXX XXXX, and requested confirmation from US Bank that it did not request returns on said payments. I have been unable to receive any information from US Bank other than being told to " See statements '' as they show US Bank/myself did not request returns, but this provides no detail for XXXX XXXX offices . XXXX XXXX refuses to rectify credit bureau reporting errors caused by this until they have confirmation that US Bank did not request those payments be returned. Any information US Bank can provide regarding this checking account 's interaction with the XXXX XXXX related to these payments would be appreciated, as I have received no details after multiple attempts. Attached are corresponding US Bank/XXXX XXXX statements , as well as XXXX XXXX response to the CFPB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I received an email stating that I opened an US band checking and savings account, which I did not do. I contacted US bank customer service, and it had different addresses for the accounts. I did not attempt to open any accounts nor provided my address and information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a US Bank business checking account online on XX/XX/23. The entire opening process was online. I was told I need to call in to close the account. US Bank should not make it more difficult to close an account than to open one. If they allow online account opening, they should allow online account closing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46528
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My account was set up on an auto transfer, which I attempted to cancel using the online app. On the U.S. Bank app, it does not provide an option to cancel an automatic transfer. The transfer was pushed through where my account balance was low and overdrafted, my checking account thats causing me to have a {$36.00} overdraft fee I requested to have the auto transfer cancelled XXXX {$36.00} overdraft fee refunded due to bank air and they declined my request. I also spoke to a manager at U.S. Bank, who was rude and unhelpful and the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A