Date Received: 2020-03-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXXpersonal account {$130.00} & {$1300.00} I went to the bank to cash several checks. I was surprised that the teller available was someone I knew but she did not usually work at that location. Sometime in XXXX I started receiving calls that my account was in overdraft. I thought it was a scam at first. Finally after numerous calls I had to give them personal information and that is when I became aware there was a problem with my account. the bank claims That the teller gave me too much money back for my checks. I disputed that claim. I eventually met with a regional bank manager. I told the manager about my personal experience with this teller and that she was almost terminated previously because an incident concerning my husbands business and the teller giving out information that she was not authorized to give. The bank teller was fired for reasons unknown.. however I suspect it was due to the situation concerning transactions made that day concerning me, personally. The bank claims this teller gave me too much money when she cashed my checks. I dispute that claim. I have tried to call this regional employee but he doesnt return my calls. I am being harassed by phone calls and I would like the bank to open a full investigation or quit harassing me with phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 415XX
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had my U.S. Bank account closed because of a check being deposited. This check was from my previous apartment owner for a returned deposit. I no longer have access to my account online or at any atms and can no longer deposit or withdraw. My account had money other than that check so I dont know why a hold would be placed on my whole account. I was told I can go into the original bank I opened the account at however this is inconvenient. I have never not been able to access my account nor given a reason as to why my account is frozen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife has been unemployed now for 3 months and I am now self quarantine I have reached out to usbank home mortgage for a 90 day deferral and they said theres nothing they are doing to help on that and I feel with the current situation they should help I have now wasted over an hour on two different calls and they seem not to care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a business credit card with US Bank on XX/XX/XXXX where the terms were that if a spending threshold of {$4500.00} was met within the first 150 days, a bonus would be given valued at {$500.00}. Having tracked my spending with the tool provided by US Bank ( Spend Analyzer tool ), I believed that i had met the spending threshold on the credit card before the expiry date. After some time, I inquired with US Bank as to when I might expect the bonus credit to be applied to my account and I was told that I had not met the spending requirements. I told them that according to their own online tool ( Spend Analyzer ), I had surpassed the {$4500.00} spend requirement. After looking into it, they told me that there were some credits applied to my account that thus didnt count towards the spend requirement, even though these credits are in no way reflected in the spend analyzer tool. So in theory, one could spend {$10000.00} in purchases on the card, and let 's say you returned {$9000.00} worth of the merchandise due to a defect. Well, in their own tool, that {$9000.00} would be unaccounted ( there is no mention anywhere that refunds/credits are not captured in the tool ) and the 'analysis ' of your spending would show that you spent {$10000.00} on the card. I told US Bank that I thought this was misleading since they advertise this tool as an accurate accounting of transactions on the card, and was basically dismissed. I then told them that I would be filing a CFPB complaint against them and was told the matter would be referred to the president 's office and I would receive a response within 15 days. That was on XX/XX/XXXX and to date, I have not received a follow up response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX XXXX us bank and My Credit Card account number is XXXX XXXX XXXX XXXX I had stolen my card and someone had swiped my card fraudulenly on XX/XX/2019{$8.00} and {$12000.00} from XXXX XXXX which I had never authorized anyone..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open an account with US bank on XX/XX/20, US bank requested additional information which I provided. I did not hear from them for a while. I tried calling them several times, sending emails, leaving messages and no one ever got back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95117
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2020, there were fraudulent transactions made on my credit card totaling {$300.00} at XXXX XXXX XXXX XXXX, XXXX, Ohio. Upon discovering my card was lost and fraudulently used, I immediately contacted my card issuer ( U.S. Bank ) and reported my card has been used without my permission. US Bank opened a fraud claim, and within days they issued a decision and stated no fraud had occurred and said that I'm liable for the fraudulent charges! I've made numerous calls to customer service to resolve this matter, but to no avail. They said I have to pay for these fraudulent charges because they don't believe fraud has occurred. I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS. My card was lost and used without my permission. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open a checking account ( XXXX ) with US bank. However they called and asked me to provide documents to show i'm here in the US legally. This is not a legal requirement. Banks often ask to provide documents to verify identity, which i'm happy to provide, but consumer 's do not have to prove their legal status. I find US banks practice discriminatory and against law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After receiving no response to our letters disputing charges to our account stemming from a fraudulent charge, we filed a complaint with CFPB. As a result of this complaint we received the attached letter dated XX/XX/XXXX from Elan Financial Services stating that : 1. They were removing the late fees and charges that they had added to our credit card account as a result of a fraudulent charge. 2. They were restoring our credit limit. 3. Acknowledged that our account had a zero balance. 4 . They had reported to the consumer reporting agencies XX/XX/XXXX that no payments were made past due. I checked my credit score at this time and found that it had greatly increased. I checked it again recently and found that my score had dropped dramatically. After searching my credit report I found that Elan Financial Services had falsely reported our account for having 2 late payments. ( One for XX/XX/XXXX and the other XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46140
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have over {$24000.00} in my checking account that is supose to be available XX/XX/2020. I am trying to withdraw {$9000.00} on XX/XX/2020 to make a purchase of a vehicle and the bank says they will not make the withdrawl. stating i can only get a money order or cashiers check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A