Date Received: 2020-04-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: We had a joint student checking account with the U.S. Bank. We received a letter from U.S. bank on XX/XX/2020, saying that they are closing our accounts and they will send a check within 15 business days. They did not give a reason but it was because of a bounced check. I deposited a check that was returned to the issuer. That was it. I did not try to make a withdrawal, we had a positive balance in our account. We made multiple inquiries about the situation and had no luck. They refused to give us an estimated time and did not send our money that was in our student checking account. The money in our checking account was for food and rent for the next three months. That is everything we have because it is our financial aid refund. We visited the local branch and explained our situation to the branch manager named XXXX XXXX at the XXXX office. He told us to wait 5 business days and 3 business days and so on. He finally asked to see our Financial Aid Refund document last week. I provided him with the document and he said that he will have our check onXX/XX/2020. However, we still do not have the check and we ran out of food about a week ago. They had a poster in their branch saying that they are the most ethical company in the U.S. but they do not care and respect their customers. I have been patient and respectful to their decision to close our account but is it ethical to take our money for survival during this difficult time? Their explanation is that they are very busy. However, they supposed to process our account long before the national emergency started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90020
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a XXXX gift card from XXXXXXXX a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the XXXX at XXXX and the sid they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: According to the recently passed CARES Act, lenders/credit card companies are to work with their borrowers, yet we have found this NOT to be the case with XXXX XXXX, Elan Financial, nor XXXX, all of whom will be made whole through the stimulus package ... yet they can not assist their borrowers and are offering nothing in the way of a deferment of payments, only the removal of late and/or over limit fees. We had reached out to these companies as our business had a $ XXXX loss of income between XX/XX/XXXX to XX/XX/XXXX due to COVID-19 ( as all of our customers opted to go on hold ) and our income from that time is now {$0.00}. Additionally, XXXX XXXX has reported a 30 day late on our account to the 3 credit bureaus, and neither Elan Financial nor XXXX will confirm that they will not be following suit. We have contacted the credit bureaus, but have had no such luck trying to work through the lenders. We are asking that these companies be contacted regarding their blatant disregard to working out a deferment plan with borrowers and that they NOT be allowed to report any late payments to the credit bureaus during this time, which is in accordance with the provisions of the CARES Act. Lastly, we have reached out to our attorney, as the only way to return to our good credit ( of which we had no late payments nor derogatory marks ) will most likely be to file a class action lawsuit. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Rewards Points Fraud. They did not give me all reward points as advertised.
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: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my account with US Bank on XX/XX/2019 at a physical branch location. When I opened the account, there was an offer XXXX Fall Checking Offer ' in which I should receive {$400.00} as bonus from bank is I get XXXX XXXX as direct deposit within the first 60 days.I received {$4800.00} as direct deposit in the first 60 days. Banker confirmed the offer has been applied and gave me a flier for that. I waited for 2 months to receive bonus from bank account. But even after 2 months, I didn't receive the bonus so I called the bank. Banker said that while opening the account, banker forgot to put the bonus code and due to this bonus has not been received in my account. He will forward the request to manager and they will add the bonus code retroactively. If my account meet the terms and conditions, then I will be given the bonus in a week. It has been 10 days and I have not heard back from US Bank. I tried calling bank again today to check the status, but no one picked the call. Reference link : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
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/XXXX, I took my XXXX XXXX car to XXXX XXXX XXXX for the repair on my air conditioning system. Once I got there I was assigned to XXXX XXXX and told him that my air conditioning was not functioning properly that it was blowing warm air. He told me that they would inspect the system for the trouble and sent me home with a valet. After two hours, Mr. XXXX sent another valet to pick me up and I met again with him. He explained to me the workmanship that they did on the air conditioning and showed me a bill of {$1700.00} for which I was astonished. Seeing this he discounted the bill to {$1500.00} which I signed believing that the work was done properly. After I drove the car for a little while, I noticed that it was still not functioning so on XX/XX/2019 I called XXXX with my concerns. I was told to come back on XX/XX/2019. They kept the car overnight to recheck the air and they discovered that there was a leak in the EVAPATOR that was not detected in their initial inspection. They told me if I wanted them to repair the EVAPATOR they would charge me another {$900.00} which I refused to pay. On XX/XX/2019 I sent a letter to my credit card company, XXXX Bank XXXX Cardmember Service disputing the charge of XXXX. After waiting two months for a response, XXXX Bank refused to honor my dispute and consequently as of this date I have no air. At the present time this matter is being litigated in the court including but not limited to the XXXX Court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Was contacted by XXXX, XXXX, and XXXX representative XXXX XXXX about a US Bank debt that I don't have record of existing. My first contact was on XX/XX/XXXX. I have called several times, and my complaints are as follows : 1 ) Contacted me ( letter and phone call ) outside of the statute of limitations. Last debt activity supposedly is XX/XX/XXXX. 2 ) During the phone call they did not read the mini Miranda informing me that they're debt collectors. Mini Miranda also isn't on letter. 3 ) Threatened legal action on an account that I don't exists, plus is past statute 4 ) They would not allow me to validate or dispute the debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: The first incident happened back in XX/XX/XXXX with a credit repair service named XXXX XXXX. They charged my card {$72.00} and didn't render the services they claimed they would do. I contacted XXXX XXXX and disputed the charge and was told that it would take 180 days to resolve the problem. After 30 days I called to inquire about an update of what was going on with the investigation. I was then told that they were awaiting a response from the company in question and that I needed to wait another 30 days. After 60 days I received a letter in the mail and it stated they were still working on my case. Another 30 days passed and I called and spoke with a CSR, I was told if they didn't hear from the company in question that my card would be refunded the {$72.00} byXX/XX/XXXX which would be the 180 days of wait time. I contacted XXXX XXXX last week, XX/XX/XXXX, and was informed that the case was closed and I would not receive m refund because it was shown that I received the goods from the company. I asked them what goods did I receive because it wasn't anything of goods that was purchased it was serviced and I never received those services and why wasn't I sent any correspondence stating what was going on and that a decision was made? I was led on for month after month and then nothing was done to give me my money back from being defrauded. Next problem was the fact that I'd cancelled a payment to XXXX on XX/XX/XXXX shortly after initiating it and the website states if a payment is cancelled before XXXX the money would be return to the card immediately. After contacting the customer service department more than 5 times all being told something different and now a week later my money still has not been returned. The amount of that transaction was {$190.00}. Now, today, XX/XX/XXXX I checked my account to see if my money was returned and still nothing yet a new problem pops up. I discovered that a fraudulant charge for {$39.00} has been applied from my card, I immediately called the company and was told that I have to wait 3 days until the payment has been processed and I would have to call back to dispute this charge and then I would have to wait 180 days before I will receive my money back on my card. I told the lady to cancel the card, immediately, I went on the unemployment site and updated my payment information and stopped them from sending any further payments to this company. There's a recording that comes on in the beginning of the call and it states that each call is being recorded, therefore the call records can be pulled and reviewed as well as all contacts I've made with this company should be documented as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2020, Wednesday around XXXX I received a call about a new card I had a application at US Bank in ZIP code XXXX phone number XXXX. A Mr. XXXX with the XXXX XXXX XXXX. was rude and unprofessional and disrespectful towards me in his questioning me on a new XXXX XXXX application. He ask me for my college degrees to see if I was really a XXXX. This was nothing to do with my income at all. He first said I can email the things he needs, then stop then told me to go to the bank to have them email the paperwork to him. He had no corners about my health with the virus out there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A