Date Received: 2023-11-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/XXXX or the XXXX of 2023 someone other than my person tried to open up a business account with my Social Security my government name and current address. Id like to state for the record that it was not me they were turned down. I believe they tried to open it online. However, they have entered my correct address, Social Security, and birthday. I will attach a copy of the correspondence that I received from US Bank. I have put a security freeze on my Social Security number with every credit reporting agency and even XXXX XXXX Somehow they still have been able to pull soft and hard inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: US Bank received a call on XX/XX/23 from a XXXX area code that didnt match the phone number on file. The bank added a fraud alert to the account according to a supervisor in the fraud department named XXXX. That same day, someone tried again and was able to change the phone number on the account then wire {$3600.00} and {$1200.00} to XXXX. XXXX has offered to investigate the situation. However, US Bank refuses to send a fed reference number, account number used at XXXX or an explanation as to why the fraud claim has been denied. XXXX of several reps in US Banks fraud department has also stated that the bank does not investigate money laundering and has refused to connect us with the legal team or the XXXX team for support. We have been hung up on numerous times. A police report was filed following the fraud in XXXX but we have not been able to obtain any information from US Bank to investigate further. These funds were removed fraudulently from the account. US Bank has provided no cooperation to try to resolve the issue, much less work on the clients behalf to return the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a old Elon credit card ending in XXXX that expired on XX/XX/XXXX. The credit card issuer provided a new card ending in XXXX as a replacement. The issue is I was debited {$1400.00} as credit card payment on XX/XX/XXXXXXXX from my checking account. The payment is for this credit card. But I do not have any transaction after I received the replacement card. The bank is not able to assist since they stated the card issuer was Elon not them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I deposited {$1000.00} ( XXXX {$100.00} bills ) to my US bank account the atm said it couldnt do the deposit and spit {$210.00} back XXXX XXXX XXXX bills and {$16.00} in a {$10.00}, {$5.00} and XXXX XXXX $ bills. I immediately went inside the branch they let me know the ATM was from a 3rd party who had to come down from XXXX XXXX Texas to open it and get my money back. They did not shut down the ATM and several people used it after me. I did tell XXXX patron to be careful depositing because in essence it was keeping the deposits she was able to get {$20.00} out no problem. I have since only been credited {$560.00} and was told I didnt need to repeat myself XXXX explaining their numbers aren't adding up {$210.00} is still missing and was told thats all that was found in the atm. Im curious is there not cameras because if there is they should be able to see XXXX {$100.00} bills that were deposited. I now have to wait up to 45 days for this to be resolved I dont understand how Im being treated as if I did something wrong I deposited money in an atm like i have so many times before and if my money is ever returned its at least returned in the denomination of which it was received. I cant wait that long for my money it took a matter of seconds for the atm to steal that money and I have to wait over a month to get any type of credit that is unacceptable. I already waited 12 days for a partial credit where is the rest. I can not afford to lose out on any money im already struggling that money goes far for a single mom of XXXX. I need my account credited properly its not my fault their ATMS are faulty and I have NEVER. Experienced this before and noone can answer where did the XXXX $ come from when i did NOT deposit that denomination of XXXX $ bills. I am not a XXXX XXXX XXXX corporation I can not afford this in any capacity Im tired of being transferred to no-one who helps or seems to care to help. They are making it sound like i just have to be out the {$210.00}! Absolutely not this is theft and i am inclined to get anyone involved authorities included it cant be legal to keep money that does not belong to them. My rent is {$970.00} to {$1000.00} deposit was literally to pay our housing and I couldnt even get this resolved in a proper time frame my rent was due on the XXXX i was just trying to pay my rent w few days early not XXXX weeks late. I need this to be resolved properly and that definitely wasn't done correctly the first time around the credit should have been {$780.00} not {$560.00} the math isn't adding up and I need proper resolution not this semi credit I didnt semi put {$560.00} dollars in thats not enough to cover my rent even with the XXXX $ from the deposit that was actually deposited please help this company should not be able to do this to ANY consumer struggling or not this is theft!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 693XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX attempted to used the card gifted to us XX/XX/XXXX - came up saying it was not authorized. XX/XX/XXXX called to the XXXX customer service number on the back. spoke to several people, refused to send to supervisor, after being asked. one person did attempt to help, and he was the one who advised me the card is registered to someone else and he was sorry. he didn't know how that could happen and the process to dispute. i went to the website, where I wasn't able to begin the process, it said the card was not valid and to call the XXXX number on the back of the card. I called for the last time XXXX call and demanded a supervisor who then told me that i couldn't use the website to put in the information to start the process to have this situation rectified, but that i had to... fax my ID now, the card front and back and the receipt ( which i have to call the gifter for, who will have to go back to XXXX XXXX to work with management there to obtain a copy, and the once this is all in ... they will in 30 days or so mail an updated card with the funds reissued. I was a total XXXX on the last two calls I made there. I am beyond irritated. Try telling a 5 and 10 yr old that the gift card that has their vacation spending money is not available for them for over 30+ days now when we won't be on vacation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a phone call from a gentleman who I later found out had spoofed US Bank 's customer service number, and he pretended to be someone who worked in the XXXX XXXX XXXX department. He told me that they noticed two charges in Florida at an XXXX store and a XXXX and wanted to see if those charges were by me. I do not live in Florida, so I told him those were not me. He proceeded to say that they could get those stopped, and just needed to send me a two step verification code to ensure I was the account holder. I did not give them any personal information, I simply read the code back to them which gave them access to my bank account, which they then locked me out of. On XXXX XXXXXX/XX/XXXX, the scammers called me again and said there had been two wire transfers out of my account and they were looking into it. They completed a $ XXXX wire transfer from my checking, and used my credit card to put a cash advance into my checking so they could take a second wire transfer of {$3700.00}. When I hadn't heard any updates by XX/XX/XXXX, I called in to US Bank, which is when they informed me the person I had been talking to the entire time did not actually work for US Bank. In all, I did not authorize the wire transfers to be taken out of my account and at this point the money was gone. I filed a claim with US Bank the night of XX/XX/XXXX and the claim officially went on the record the morning of XX/XX/XXXX. US Bank send me a letter XX/XX/XXXX saying that they tried to recoup the total of {$13000.00} from XXXX Bank where the money was transferred, but XXXX was not able to return the funds. Due to this, US Bank said I am out of luck and will not be getting my money back. This outcome is completely unacceptable as I DID NOT authorize these funds to be taken, and I am doing everything in my power to get my money back. The amount of time and stress this ordeal has caused seems to be endless, and I feel stupid for even answering the original call. For anyone else reading this - if your bank ever calls you hang up and call them back to ensure it is real!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a {$200.00} gift card from XXXX XXXX store. I activated the card and updated the PIN. I purchased a soft drink and within five minutes the card was blocked because of suspicion of fraud. No fraud occurred on the card. Card companies are instantly blocking cards with lack of evidence of fraud. I needed this card to cover expenses on a trip. I had to cancel my trip and turn around and return home because I could not purchase gas. I also believe I should be compensated for their mistake of closing the card without proof of fraud. The card was closed to benefit them and not me!!!! I immediately reached out to the company and told them no fraud occurred. I have been hung up on and treated like a criminal through the entire process by this card company. I have faxed documents to them twice and each time they tell me the documents are blurry, readable yes, just blurry. I tried to follow their procedures of uploading documents using their website. The website does not work, as verified by the company, to allow for the upload of documents. No one should have to go through this process to claim their money, especially when no fraud was reported or occurred!!!! I want my {$200.00} gift card replaced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: XXXX times over the past XXXX years criminals have attempted to open deposit accounts at XXXX XXXX using my personal information to include XXXX. Each time US Bank has sent me a notice and asked me to call and confirm whether I did apply for a new deposit account or not. On or about XX/XX/XXXX I received yet another notice of an attempt to open a deposit account in my name. I called the number on the e-mail sent to me and clarified that I did not apply for a new account. Since this problem is recurring, I asked them to take steps to ensure no new account can be opened in my name. I was told they would institute safeguards. On XX/XX/XXXX I received yet another notice that an application for a new account in my name was submitted. I was told to contact ( XXXX ) XXXX to confirm XXXX. Calling that number only reaches a very confused general customer service representative who places me on hold for over XXXX hour at international direct dial rates. After repeated tries, I was given a direct number to the XXXX XXXX. On XX/XX/14 at approximately XXXX am I called the XXXX XXXX. and after a brief reached an astronomically incompetent representative who insisted on sending a OPT to my cell phone. Her codes never arrived. She then stated that without OTP verification, I can not report a case of fraud against US Bank. It is beyond stupid that one can not help protect US Bank from fraud losses should their XXXX not arrive. I hung up. XXXX minutes their XXXXs arrived. I attempted to call again and this time the holds are for at least XXXX minutes, again at international direct dial rates. That XXXX XXXX is so incompetent that someone can not help them recognize fraud and protect them from financial losses, perhaps the CFPB needs to investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I received two different escrow statements. The first one stating that they paid my property taxes in XXXX. Then I decided to close my escrow account because I am able to do that. Then they sent me a final statement in XXXX with the property tax payment removed. Then I received my tax bill stating it has been paid by my bank/mortgage company . I double checked with my mortgage company and they stated they hadn't paid it. I asked why and they couldn't give me a reason why. I was on the phone with them for over an hour. They either falsified documents or don't know what they are doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60005
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A