Date Received: 2023-11-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: They had closed my account due to some fraud related which was later found out it was not fraud and they said my bank account would be closing on the XXXX and then the XXXX but nothing had happen they keep saying we can talk to the risk department and that no one can do anything I have gone in the bank and she the branch manager who told me to come get money on the XXXX an nope they still keep saying its in the process its should have been done week ago
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I was told by a variety of people that the accounts would be closed but I had to pay for overdrafts generated by the accounts. According the their ( USBANK ) that the accounts would be closed and an investigation will be started. Jump ahead two months later, the accounts are still open. Again I informed the fraud department that the accounts are still open then I was told that I am responsible for the overdraft fees. The fraud department has suspended my accounts and my password. I can not have access to my accounts and I can't get anyone to assist me. Their ( USBank ) fraud department has locked me out and has it that I owe them money now for non payment of my mortgage. I feel USBank is trying to get money out of me because I reported these fraudulent accounts and I am fighting to get them closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53406
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I am an American citizen and am living in XXXX. I concluded a wire transfer with the US Bank Wire Transfer Department on the XX/XX/2023. The document I was sent reads Date funds are available : XX/XX/2023. ( funds XXXX be available sooner than disclosed ). ( XXXX ) This transfer is from my account in the US Bank to my account in the XXXXXXXX XXXX XXXX XXXX XXXX The funds never arrived. My branch in XXXXXXXX XXXX had transferred me to this department which took hours of being on hold as well as being transferred from several personal. I was not informed that the wire transfer was rejected until again after several hours and of telephone referrals. I subsequently tried to start another wire Transfer to no avail. I am currently in a legal battle with my husband and am being obliged to buy him out in oder to continue living in my house. This money is from recently liquidated stocks I have inherited. Also, I was able to complete this very same process last year. And yes the Internal Revenue Service was informed. One of the bank employees had informed me that I can only do this bank transfer in person and suggested that I just write a check. Similarly, I was in the middle of giving my information and the Bank representative said that she can no longer proceed past XXXXXXXX XXXX central time with a wire transfer and that I would have to call again tomorrow. She would give me a special number and remark my file in order to make the transaction run smoothly. The number was again an automated service and I landed once more on hold. I am at my wits end. Must I really fly to my branch office in XXXX XXXXXXXX to accomplish a successful wire transfer from myself to myself? Best regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Monday XX/XX/XXXX I noticed four unauthorized debit charges to my checking account ending in XXXX. One charge was for XXXX for {$100.00}, XXXX {$100.00}, XXXX {$100.00}, and XXXX {$10.00}. My card has always been in my possession. I filed a police report that evening. The person I spoke to said that they would file a dispute for the three XXXX charges. She said I would have to call back the next day to file a dispute on XXXX because I have used that service before. I call back the next day XX/XX/XXXX. The women I spoke with said she saw an XXXX charge for {$100.00} and not {$100.00} so she was filling a dispute for that charge. The next day U.S. Bank charged me seven overdraft charges for {$36.00} each. That is {$250.00}. I turned off all overdraft protections from all accounts at U.S. Bank. I called U.S. bank on XX/XX/2023 with still a negative account. Nothing heard back from U.S. about these fraudulent charges. The women I spoke to left a message for them. But she did not know the status of the dispute. This morning XX/XX/2023 U.S. bank took {$400.00} out of another checking account I have XXXX and transferred it to XXXX. I have overdraft turned off so this should have never have occurred. Now U.S. Bank has drawn XXXX negative. They took away the only working checking account we have by drawing that one negative now. We are a family of five and have gone a week without being able to purchase basic needs. Now the access to both of our checking accounts and essentially blocked by U.S. Bank by drawing both accounts negative. We are not able to purchase gas or groceries now for a family of five for almost one full week going on who knows how long. I called U.S. Bank this morning XX/XX/2023 and the woman on the phone could not reverse that transfer. I have to call the fraud line and they don't open for another 2-3 hours. This was not handled right. U.S. Bank should have stopped all overdrafts. They should offer provisional credit for people while the fraud is being investigated. This should take almost a week to get figured out. It isn't right to block people from using their own money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had several issues with the credit bureaus reporting incorrect information, I have requested copies of the original creditors and I have not received it. I am paying for a credit monitoring service because my sister XXXX XXXX information keeps getting put on my credit profile even after sending documentation on several times to get corrected. It would get corrected but later reappear on my credit profile. Also because the bureaus should be reporting the same information they however are not there are so many discrepancies on all three
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with US Bank on XX/XX/2022 for the purpose of building my credit and my social security direct deposit too. The account had to be opened with a XXXX dollars. About a week later I got XXXX loan from XXXX of XXXX. This check was deposited in to the account. A day or so later I try my card that's been closed. I have talk with manager who tells me the check is fraudulent. And will be closing account. I've called this lady many times with no results. I've also called US Bank fraud department and they tell me check has. cleared and money is banks personal account. They said manager has to release funds and they can't do anything. My loan is paid and never got any money from it. Banks address is XXXX XXXX XXXX XXXX CA XXXX Thank you for your time in this matter XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When purchasing vehicle I used US bank, the dealership was having a 90 day no first payment special if you purchased a vehicle. They billed at day XXXX but never once sent a bill via mail, email etc. when calling to dispute the bank agent admitted to having the wrong information. Name was spelt wrong, e-mail was not the correct email and there was no address on file. After admitting their mistake they still refused to reverse the late payment on my account which is absolutely unacceptable. I have appealed this decision now 4 times and unfortunately will have to file complaints with lawyers or XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquires were acknowledged but not by me. I have no acknowledgment of these.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, I deposited my XXXX check into my new bank account at US Bank on XXXX XXXX & the manager helped me! He told me there would be a {$200.00} release immediately, & the rest of the amount would be deposited today XXXX XXXX. We discussed the issue & I explained that I must pay my mortgage & on time & how serious this is to my future, & also how my power will be shut off in days, & he said there would be no problem, {$200.00} was released immediately, & the rest would be available the next morning. He made the deposit. Then, I dont have a debit card yet, the account is only a few days old, so I asked if I could withdraw {$100.00} with him, & he said yes & withdrew & gave me {$100.00}. We discussed how I only take XXXX, so I made sure the {$100.00} would be available for funds, & again, I was told yes it would be. I take XXXX from the bank & order XXXX XXXX with my account. Then I look into my mobile app, & my account is {$190.00} negative, & I am completely concerned as I have never used the account until I left the bank that day, & where I made a {$2500.00} deposit, leaving me with {$100.00} in my accnt, & withdrew {$100.00}, as {$200.00} was released & the rest would be today. I immediately call US Bank & the first employee informs me the total amount of the check was put on hold, & no funds were ever released & no {$100.00} deposit was made, & the {$100.00} withdraw the manager made put me overdrawn & overdraft fees I was charged {$36.00} for that, while I WAS IN THE BANK! I was never informed of any fees on this withdrawal or that I had insufficient funds when the withdrawal was made by the manager. Then, my XXXX XXXX and my XXXX XXXX were also tallied onto the negative balance and all transactions got fees, & that was how I was {$190.00} negative! Within hours of making a first deposit to my 2 day old account that I had never used until I left the bank that day! Where the bank manager told me {$200.00} would be released immediately & the rest would be the next day. I have never heard of anything like this is in my life, & I do not even have a debit card, and the reason why he made the withdrawal for me. I explained to her what happened and she waived one fee from the XXXX dollar withdrawal, & that I needed to contact another department who would handle it from there. I immediately contacted that department who informed me that they were not familiar with Branch procedures, and that the branch manager did not know that there was going to be a hold placed on it, & that he was overridden afterwards by a back department. Only the branch manager I was told could handle it and take off the hold, and fix my account, and that she sent the manager an email detailing everything and that I was going to be calling or going into the branch this morning! When I called the branch this morning, I was told the branch manager was not in today. I asked to speak with whoever was in charge, and another woman got on the phone and explained to me that he did believe that {$200.00} was released and that the rest of the funds would be available this morning. She explained how employees are unaware of another departments procedures & that they would place a hold on my checkand now the hold can not be lifted by himself! There is a 7 day hold placed on my XXXX benefits, my account is {$150.00} negative, on an account I have had 2 days, & was told by the branch manager {$200.00} was released & the rest would be available today. I was later told that when the branch manager made the withdrawal, the funds were available, but immediately after he made the withdrawal, another department then put the entire check on hold, & so the withdrawal he made for me made my account negative! How is it legal that a branch manager can tell a customer information about transactions in their account, then withdraw from an account with no available funds, never informing the customer who is completely unaware of any of this activity, which leaves the customer to pay monetary consequences because of this information? I am outraged that my new bank branch manager can tell me information about my account of any kind that is not accurate & /or expires period.I am wondering if thats ok that this wrong information given to me about my account, & a withdrawal made by the branch manager himself could put me overdrawn in the negative and incur such fees on a two day account that I had never used, but when I left the bank, being told I had funds available? It doesnt matter that he believed what he said was true, or if it was true at the time, because regardless, it was wrong information. There was no money or funds available in my account & the check was not deposited into my account the next day. So what he told me was happening with my account, is not what happened period, & therefore it can not be the correct information. The lady that I spoke to when the branch manager was not available, kept explaining to me what happened. I know exactly what happened as I am the person it happened to. I am not debating what happened. I am asking how what did happen is appropriate business conduct & acceptable procedure for a customer? Now, I will not receive my XXXX benefits until the middle of the month, & I will not receive the full amount due to this issue from the start. I will be even later paying my mortgage and bills. All of the fees will increase from before, I will be further in debt, & Im sure my credit score will be affected. All of these consequences & I have done nothing wrong literally! This is unacceptable treatment to me & just not right to do to someone. My power is going to shut off in days, & I am trapped at my home with no money to XXXX or for food while my benefits are on hold. I cant imagine this is ok. I feel uncomfortable going to the branch, and I dont trust what the employees state to be true information about my account because that information could be wrong after they tell it to me. I am concerned that my account will not be handled correctly because of this issue, & the employees will not help me appropriately now. I dont feel this bank has my best interest in mind. I am having a letter written to XXXX XXXX from USBank explaining this bank procedures & why I will be late making my mortgage payment at such a critical time. Id also like to ask in your wisdom, if the situation of a branch manager giving incorrect information to a client about transactions in their account is ok practice to do, whether they knew the information to be correct or not? I feel like a bank employee giving a client information about their account should know if it will be correct, & not able to be over turned or made wrong by another department & I am being taken advantage of. If theres any knowledge or advice anyone has I would greatly appreciate it. I am very concerned that I can not trust what information my bank manager tells me cause he doesnt know what another department will say! I cant imagine its legal practice for an employee to make a deposit into your account making {$220.00} available, then withdrawing {$100.00}, while having no knowledge its being overridden by another department who holds the entire amount, making no funds actually available, to put you overdrawn with fees from the {$100.00} the very employee withdrew themselves? I dont believe that this could be legal practice!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A