Date Received: 2023-11-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased skincare products from XXXX XXXX XXXX The transaction was completed on XX/XX/23 in the amount of {$56.00}. On the same day, I was charged a foreign transaction fee of {$1.00}. When I noticed the foreign transaction fee I called US Bank and asked why I was charged this because it was a XXXX XXXX website and all products are listed in U.S. dollars. US Bank told me it was their policy to do so because XXXX is a XXXX company. US Bank said if I had used my other credit card they would not have charged me the foreign transaction fee. I asked if they would refund this fee. They declined. Are consumers expected to research what country a company is based in when shopping online in order to avoid foreign transaction fees?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55447
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Unauthorized inquiries on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On or around XXXX XXXX XXXX, after depositing my payroll check funds in my account, I paid some monthly bills directly. The next day I tried using my debit card and received error message. I called customer service and was informed the account had been closed based on issues with my payroll deposit. Because I am a XXXX XXXX XXXX I questioned why there would be a problem and rep with bank said their internal fraud team was investigating and account was not fully closed and to check back in 2 days. I did that and was told my account was still being reviewed and to make appointment for next day to go into branch and speak with bank teller or manager and have notes read on computer for possible resolution. After about 10 minutes the teller informed me nothing could be done because review was through fraud department internally and they couldn't access notes. I requested the balance in account and was told branch didn't have authorization to release balance but within 7-10 days I'd receive notification in mail explaining why account was closed and a check would be issued at that time for balance. I still have yet to receive it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
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 noticed an authorization on my credit card account for an entity called A Taste of XXXX XXXX in the amount of {$4800.00}. I immediately contacted U.S. Bank, the card issuer, to notify them that no charge was authorized before it even posted as a transaction. A fraud case was opened and a credit was applied. I had recently ordered a card for an authorized user which was never received. I assumed the card was stolen from the mail which was the only possible explanation because I am in XXXX and the other user is in Nevada making it impossible for a card in our possession to be swiped as the bank claims occurred. On or about XX/XX/2023, I received a letter in the mail requesting additional information to be returned by XX/XX/2023. Form copy uploaded. My staff tried over XXXX times to fax it to their number that constantly rang busy and unable to fax the document per their request. Recognizing the deadline was the next day, we were left with no choice but to send the document via overnight mail, tracking information will be uploaded. Much to my surprise, a new statement dropped today and this charge was re-posted. Upon calling the bank, they stated I said the card was in our possession which is a fabrication.Additionally, the authorized users do not have access to my house or the mail which is a locked box making it impossible for any authorized user to have physical possession of a card. I am uploading a screenshot of my flight to XXXX where I departed the US on XX/XX/2023 which is a week before this fraudulent transaction occurred. The only person who has access to the mail or house is my XXXX XXXX XXXX mother who is a XXXX XXXX XXXX This transaction is marked XXXX XXXX and we live in XXXX XXXX. There is no reasonable or possible explanation other than the card was stolen in the mail process and fraudulently used by someone else. I contacted the bank and they said they would have someone contact me for which I explained it must be during their night because I am in XXXX which is XXXX hours ahead of EST. I will not return to the US until XX/XX/2023. I have closed the account because I am not willing to do business with a bank that doesn't take the legal responsibilities seriously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Some money transfers were made through XXXX, money transfers that I did not authorize, I indicated this to the bank ( in one of their branch ) and the bank said it could not do anything because the account is frozen. Around XXXX dollars were lost in two days thanks to their poor security management with the accounts and the checks that are deposited, they hold a check XXXX h and they do not inspect if is a real check or is a fraud, they just put money in your account and if the check is not legit they just charge you for that when is their fault because they should review the checks carefully before accept them and give to the customer the money.
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: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a US Bank XXXX XXXX account on XX/XX/2023. I used a link to an offer that I received a targeted promotion for. The offer advertised a {$500.00} sign-up bonus after completing eligible transactions by August. I successfully opened the account and completed all relevant transactions, and gave it more than a month past when the advertised offer said the bonus would post, but I still have not received a bonus. When I called to inquire, the representative said there was no record of the offer being on my account. I will be forced to close the account if US Bank fails to honor the advertised offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report & I found that I had XXXX unauthorized inquries on my report, one from XXXX, one from US bank, and the last one being from XXXX XXXX, I never made nor authorized any of these inquries on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a {$250.00} US Bank prepaid card from a XXXX XXXX XXXX. I gave it as a gift, and the person I gave it to said it had a XXXX balance. I talked to the store, who told me to call the number on the card, which I did. The person I talked to was nice enough to tell me that a batch of the cards had been compromised before they were sent to the stores. I then called the XXXX XXXX customer assistance line and the number on the back of the card multiple times. Finally I was told that they would send me a replacement card, if my appeal was successful, within 90 days. This is totally unacceptable. XXXX XXXX sold a card with no value. US Bank knew it was selling cards with no value. So far I've spent an hour and a half trying to resolve this, and if I'm successful may have my money in 90 days. The most galling part? There's no way I can take action against US Bank. I can yell at the customer service person, but this doesn't do anything but make me feel like an XXXX. US Bank has completely insulated themselves from these complaints, which means they have zero incentive to fix these problems. So I'm whining to you, but this is just to make me feel like I've done something to move this rotten system in the right direction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97212
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: About a week ago, I went to XXXX with my wife. When we got home from XXXX, I took a nap and woke up to multiple notifications about my credit card getting charged from XXXX XXXX, XXXX, XXXX totaling to around {$2000.00}. I called my bank and reported it as fraud and my card was stolen. U.S bank did give me my money back but a few days later they took back their provisional credit and said I was liable for the charges. I know that I didnt make these charges and need help from you guys badly. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66213
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My US bank checking account was suddenly closed without notice or any communication between myself and the bank due to fraud activity. Someone had given me a fake check to cash so the bank simply cut all ties with me even though I was unaware of the check being fake. On XX/XX/2023 my employer XXXX paid me XXXX deposits in the amounts of XXXX and XXXX to my US Bank checking account. The funds were frozen by the bank and I was told after many phone calls to help desk as well as a branch manager that the funds were to be returned to my company so they could reissue them to my new bank with XXXX XXXX. This never happened... US Bank instead " claim '' they sent a physical check to my mailing address on XX/XX/XXXX. I was in XXXX XXXX during this time but my family said the check never arrived in the mail, ever. Upon returning home from XXXX XXXX I have called US Bank 5 times I order to have the check issued and sent to me so I can be done with this nightmare process. I have even demanded to speak to a supervisor and they deny me this right. The last agent I spoke with told me the name of a US Bank supervisor named XXXX XXXX whose title is CSR manager. I was guaranteed and promised I would be receiving a call from this supervisor by the end of the day. This was 4 days ago ad I have not received a call or email or any form of communication from US Bank whatsoever. Please help me! US Bank is withholding my money from me and is intentionally avoiding paying me my check from 3 months ago!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A