Date Received: 2020-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2020 I took a flight to XXXX XXXX heading to XXXX XXXX. I visited an atm machine with the name of XXXX/ XXXX XXXX. I personally requested from the atm machine {$400.00} dollars American currency. The atm machine had a withdrawal fee of {$7.00}. I was immediately notified from my bank app of XXXX atm withdrawal. I immediately contacted US Bank after the notification on XX/XX/2020. After contact I stated that an over charge was charged to my account of XXXX. They filed a dispute against XXXX and must rely on their information therefore denying the dispute. I have no record of withdrawing amounts over {$400.00} on atm machines. All cash withdrawals over {$400.00} is not allowed in any us bank atm machines. As of XX/XX/2020 US Bank will withdraw the provisional credit provided. A second dispute has been opened as of XXXX.Travel notification was not set for the card. Fraud division failed to detect fraudulent charges on my card. How can such amount be accepted and not denied. This transaction is out of the normal for my activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60101
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: When I tried to redeem points XXXX Fidelity told me I had changed my monthly redemption date on XX/XX/XXXX. So they let the old date ( the XXXX ) run thru a cycle before starting my new date? So since XX/XX/XXXX ( my new date ) redemption will be XX/XX/XXXX? Not Fair, No redemption on XX/XX/XXXX ( 30 DAY from old date ). This is how they avoid ( delay ) paying points. SLEAZY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23113
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My credit card payment was due on XX/XX/2020 and not only did I PAY the bill in full from my US Bank checking account electronically online to the credit card on that date, but I received an electronic receipt from US Bank in " messages '' clearly stating that the payment WAS made on XX/XX/2020. My " complaint '' is that US Bank charged me a Late Fee of {$29.00} as well as an Interest Charge Fee of {$34.00} because, they say, I didn't meet some " cutoff time '' on the due date. I have attached a copy of " The Bill '' that clearly shows a due date of XX/XX/2020 ( but does NOT mention any " cutoff time '' ) and I have attached a copy of " The Receipt '' that clearly shows that payment WAS made on XX/XX/2020. I have contacted US Bank both directly and through the XXXX of MN/ND and they continue to hide behind this AFTER THE FACT cutoff time as an excuse to help themselves to {$63.00} of MY money. This is at the very least ( if not criminal ) unacceptable and just not right!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When I filed a complaint against this company before, the company responded only to fix one of my concerns. I can not pay my mortgage at a branch or online without paying a fee which is stealing money from me. The company keeps saying false statements in their letter. I have proof that payments were returned which screwed up the payment process and my payment history. I was threatened with foreclosure even though my payments were current. They were told by their own attorneys that it could not happen. I have not been treated with respect as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to the COVID-19 pandemic, my small business has been impacted substantially resulting in a loss of over {$20000.00} in just two weeks time. Unfortunately, the timing of the pandemic occurred during our peak season of operations. We are in the hospitality business and depend on the additional income received during the months XXXX - XXXX, to supplement the lack of income during the summer months. Our business provides XXXX services for short term rentals in the area, also known as, XXXX 's and XXXX 's. Travel advisories placed us first in line as a business to become impacted by the pandemic. It will take over a year to make up the loss incurred. As a result, we are forced to re-enter the work force as employees. While looking for work that is already very bleak due to the large numbers of others that are also looking for employment during this unprecedented time, we hoped to receive a payment deferment from our mortgage company, US Bank. US Bank 's current relief program does not provide any relief or assistance. Payments can be made at our own discretion until XX/XX/2020 but all 3 months of mortgage payments are due in full by XX/XX/2020. This only offers the opportunity to become behind on payments. Attempting to pay 3 months worth of payments in full is not realistic when we are already enduring incredible hardship from something that is completely out of our control. We have never been late making a payment to them since we've began making payments to them almost four years ago. Why can't the payments be deferred and tacked on at the end of the loan? Our credit union was able to do this and promptly did so for our auto loans with little to no questions asked. This would help us substantially while we try to get back on our feet. We are a small business. We've provided work and income to other families in need and will be the ones doing it again when the economy is trying to get back on its feet. Why is there not better help and assistance available to us when a national emergency and health crisis is at hand? We know we are not the only ones enduring this and hope that this complaint can bring true relief to other American families that need it most during this global tragedy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
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 previously filed complaint multi times against US Bank not take out fraud charges from my account I even filed complaint here with CFPB but never received any response from both US Bank and CFPB. I am filing again today for same reason I hope this matter get over soon. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened an account at the US Bank Branch at the XXXX XXXX branch in XXXX, WI. She opened the account for me and the next day the account was on hold and then closed. I was told to talk to the branch manager at the location and I did, he told me that " we choose who are customers are '', meaning this is XXXX and judgmental, because I am white, I am not allowed to bank at US Bank. I feel like this comment is a violation of my right as a customer and the fact that I was judged based on who I am as by race. I also was a customer for long time prior to this, and I don't owe the bank at all. I would also never given a reason to why the account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a checking account with US bank number XXXX. A few days ago, US bank deposited the same check I sent TWICE, so of course it was only paid one. And then US bank charged me a {$19.00} check fee?!?. However, they did not charge the fee until I withdrew all my balance, so that way the {$19.00} would cause me to overdraft and then they charged me another {$34.00} to make my account be {$55.00} so they could continue to charge overdraft {$34.00} fee everyday. This is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: In XX/XX/XXXX, I received convenience checks to draw on my US Bank Visa card. They were offering good terms, 3.99 % fee, 0 % interest until XX/XX/XXXX. I called the bank to verify that the checks were valid, and to check my credit limit. ( {$32000.00} dollars according to the bank ) They assured me the checks were good to go. Over the next 1-2 weeks, I wrote three checks, # 1- {$15000.00} # 2- {$12000.00} # 3- {$6000.00} dollars. I was subsequently informed that US Bank denied payment on all three checks. This has caused me to incur returned check and overdraft fees, and to spend hours on the telephone with representatives from US Bank. They are non-apologetic and refuse to help with the fees, even though they admit that it was their mistake. I am asking that US Bank refund all my extra incurred fees, and that you fine them for their poor business practices and lack of consumer protections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: USBank ( hereinafter USB ) did repeatedly fail to correct the error that resulted from gross incompetence resulting from USB staffing cutbacks and their banking USB Agents. MULTIPLE EFFORTS WERE MADE TO ENABLE USB TO RECTIFY THEIR ERROR. Proof of offer enclosed. See Attachment ( EXHIBIT A ). Proof of fact is that I paid off my HELC in full and then borrowed the full paid off amount again to obtain a lower 3.99 % fixed rate. See USB account records from USB ( EXHIBIT B ) in USB account data file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A