Date Received: 2020-04-22
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I've been trying for weeks to get a updated US bank XXXX by calling the XXXX XXXX on the back go through all the steps to be put on hold for a hr to get hung up on go on line cant get through go to the bank nothing cant get access to my funds thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XX/XX/XXXX bank transfer from us bank to citcard XX/XX/XXXX I recieved a letter stating invalid account status and ineligible account status XX/XX/XXXX called us bank. They stated that I closed the account which i never did. no call no information for over 10 days. I thought everything was fine. turns out someone cancelled the bank account meaning transfer never happened. XXXX was charged to me in interest by XXXX XXXX as i was going to pay it off. They reoppend my account on XX/XX/XXXX and made the transfer late. I also had to pay the {$420.00} transfer fee on top of their mistake. Meaning im out {$740.00} Still to this date no one knows why it was closed and by whom. If i was notified in a timely manner or left a message, call or email this could have been avoided and I could have gone somewhere else for the loan. I have copies of all the paperwork with me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98683
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The only phone number I was on hold for 2and a half hours one night and it hung up on me. Then the next day I was on hold for 4hours to get disconnected. Now on day three it's a busy sound
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97266
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a Follow up complaint of the US-Bank handling my HELOC ( Home Equity Line of Credit ). Previous Complaint # XXXX Filed at CFPF on XXXX. In short, I have had this HELOC for the past 9 years without any problem. In XXXX, I received a warning letter which required me to provide the bank with my Condo insurance policy. Which I did fax it to the number provided. Later I received another warning letter, I did again faxed my condo insurance to the number provided. But the warning letters kept coming, Then I went to the Bank & handed the copy of my Condo insurance & they faxed it for the third time to the number provided. The warning letters kept coming, I went for the second time to the US bank & handed again a copy of my Condo insurance, Again, Warning letters kept coming, I talked to my Condo insurance company, They faxed it for fifth tie to the fax number provided. Then I received a letter charging me an amount {$480.00} for a condo insurance which allegedly the US bank purchased on my behalf. I wrote to the CFPF & a week later the {$480.00} charges were dropped & removed from my account, but then I just received a letter stating that My access to the my HELOC at the uS bank has been suspended effective immediately due to " lack/insufficient Hazaed Insurance '' as required by the HELOC agreement. I am simply confused with the actions & mishandling of my HELOC at the US bank. I have spent so much time and energy, since XXXX regarding this matter I need the US bank to reverse immediately the illegal suspension of my access to my HELOC and send me an apology letter explains their incompetent handling of my HELOC for theist two month. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Today XX/XX/XXXX i got a statement form us bank they are charging the interest even i pay the full amount of purchase plus the minimum payment they still charging me almost XXXX dollars interest. i speak to customer agent XXXX she said even i pay the full amount of purchase plus minimum payment at XX/XX/XXXX they still charging me interest that is not reasonable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: US XXXX was supposed to send my unemployment debit card on XXXX. As of today, i have not received. I have called 35 times in the last month and after waiting over 2 hours each time, the call disconnects. I have written the Senator a week and a half ago with no response. I have 8 unemployment claims that have been approved by the state, i am unable to access funds due to no card!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Hello I was accepted to unemployment a month-and-a-half ago this card was sent to me through usbank I activated the card I seen days later that there was a balance of XXXX as of today I have tried to use the car online I've tried to use the card at the ATM at the bank and all it keeps telling me is I need to contact customer service I spent a total of six and a half hours on hold with usbank and I'm still not getting an answer not even through email nothing! So that is my only source of income at the moment and I've not been able to touch {$1.00} of it and no excuse as to why I have no food I have no money I have sold my vehicle to get by for the last 2 weeks and these people obviously don't care there's no excuse why I can not get my funds out of that account I was accepted I was approved it's my money I can't even transfer it they've locked me out of the account totally saying that I put in wrong passwords or emails I did not put in the wrong password to emails I've been very organized about this please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received a credit card in the mail from USBank. It says it's a debit card. I called and continue to get a busy signal. I searched and found that many people receive this card instead of a hard paycheck from a job. I just started a new job and thought it might be from them so after being unable to reach the company by phone, I created a username and password online and opened a new profile on their website. I had to complete the profile to see that there is no money on the card and that they just want me to use this card as a debit card which I do not need or want. I searched the website and called to have them close the account and can't get any answer on the phone and there is no link on the website to close.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On Saturday, XXXX, XXXX I received an insurance check in the amount of {$36000.00}, from XXXX XXXX. It covered the additional costs to repair earthquake damage to the sewer line, not included in the original estimate. I endorsed the check and put it the mail the to US Bank National Association, Loss Dept. located in XXXX, Monday, XXXX, XXXX. 1 ) It finally showed up in the US Bank file Monday, XX/XX/XXXX. I called and explained that they had closed their file too early. This was a supplementary check for unanticipated sewer line damage. He said it would take two or three days to process the check. So, I expected a check issued by XX/XX/XXXX. A ) XX/XX/XXXX, I received a call from a US Bank representative asking me what the check is for. I explained it all over again. This also pushes back the check 's process date to XXXX, XX/XX/XXXX. 2 ) XX/XX/XXXX, I called to check on the status of the check. Now I am told they need an Adjustor 's Report. I was told that the adjustor could just call however. I called my adjustor who in turn called them. This just delayed processing the check until XX/XX/XXXX. B ) XX/XX/XXXX, and they still have not issued a check. When I called, the representative I spoke with could not give me an adequate answer as to why they have not processed the check. I insisted on speaking with a supervisor or manager. No one is available, someone will call me tomorrow. XX/XX/XXXX, I receive a call at XXXX a.m. I was in the shower. C ) He left a garbled unintelligible voicemail. 3 ) I called them at XXXX and had a nineteen minute conversation where their representative told me they needed a Stabilization Report. I went ballistic. D ) During this nineteen minute conversation I insisted on speaking with a manager. Again their narrative is no one is available. However, during my rant, he did say I could make a phone appointment with a manager. I was upset and left the conversation with a promise that a manager would return my call tomorrow. I realized I didn't get a firm appointment time to speak with a manager so I called them again at XXXX to schedule one. They kept me on hold for an hour and 7 minutes. I wanted a firm time so that my contractor could be attend the call. 4 ) XX/XX/XXXX, I spoke with XXXX, manager. She explained that they made a mistake with the first {$110000.00} disbursement and it shouldn't have been released without the Stabilization Report. E ) She asked if she could release 1/2 of it? I said no! This is exactly what transpired with the first {$110000.00}. I want it all or you can withhold a {$1000.00} until you get the Stabilization Report. I said I'd check the computer in the morning to see if the check has been issued. I also asked her to provide me with the regulations that require a Stabilization Report and how much they can withhold until they receive it. As of XX/XX/XXXX, I have not received that email. To sum it up : This case was closed. The check should have been released by XX/XX/XXXX at the latest, according to the first representative I spoke with. The excuses they gave me are just to delay paying. If they needed a Stabilization Report they should have in formed me by XX/XX/XXXX. The Stabilization Report should also have no bearing on disbursing this check. If it was an issue it should have been resolved earlier. This is the first I've heard of them requiring a Stabilization Report. They are withholding funds that they have no right to hold on to. This is extortion. 1-4 the narrative changes. 1, it's 2-3 days ; 2, they need the adjustor 's report ; 3, they need the stabilization report, 4, can I send you half? A-E are the delay tactics they use to drag it out issuing a check. This is blatant " Big Bank '' taking advantage of the little guy. I've got horror stories from the first {$110000.00} check. It took four months to get them to release it! The work was completed in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99502
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a checking and savings account with US bank in 2018. When I opened this account I opted OUT of their overdraft coverage. Months later my account over drafted and I contacted the bank to say again that I had opted out of their overdraft coverage and that if there was no money in the account nothing even for {$2.00} should clear this account. US Bank repeatedly ignored my requests and overdrew the account again after I'd cleared up their first round of fees. This time the account fees snowballed until they charged off the account and sent a collection amount to the tune of XXXX to Consumer reporting agency XXXX and even labeled it as a abuse! I rarely ever used this account. There's no way I could have abused it. Consumers have the right to opt out of debit coverage that causes their accounts to be overdrawn.
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: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A