Date Received: 2020-03-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I've been with US Bank for several years now and I have establish a business account with them. They offered me a Cash Reward Card which I have since paid off, cut up and no longer will be using the card. However, there is {$21.00} left on the cash reward that the bank is refusing to transfer over to my checking account knowing that I will not be using the card any longer. I didn't ask for a check sent to me, i didn't ask for a gift card to be send to me, I just asked for the {$21.00} to be transferred to my account. Each representative that I speak with tells me that the minimum to withdraw rewards earrings is {$25.00} however, if a person is no longer going to use the credit card, they discarded the credit card, how will the person be able to acquire the remaining {$4.00}?? They will not be, I've the company on several occasions trying to explain my situation to them and they do not care, so I am reaching out to you to see if you can step in and assist. The amount is so minimum, it should be no problem for the company to just transfer the funds ( my money which I earned by using their credit card ) to my checking account. Please assist!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: US Bank has charged over {$4000.00} in fees to my account in 2019. I asked them to 1 ) refund / waive the fees or portion of the fees to my account and 2 ) adjust the account so there is no curtesy coverage for when the funds go into a negative ( return the payment do not honor if it brings my account into a negative ). US bank assessed fees and other costs even when they plain returned the payment and did not honor it. As other times, they haphazardly honored certain transactions but dishonored others. There is no steady service in this regard as they never know what payment will be honored and what payment will not be honored. Regardless they always charge fees and I suffer damage. So, I asked to evaluate the fees total of {$4000.00} for 2019 and make remedies but no response as of now. My account does not deposit more than {$4000.00} into the account on monthly basis and often less than {$4000.00}. I believe {$4000.00} a year in fees assessed against such a small account works to shut down my business as a sole-proprietor as it is excessive. Need your help addressing the issue and figuring out the motifs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I would like to start out by saying that this has been a long on-going process with US Bank as our account with them was apparently opened in XXXX ; according to their records. About three years ago my wife asked me what the charges were from and who opened the US Bank account. I told her I thought she had opened the account/credit card and she said no. I explained to her that I don't remember opening the account and don't remember ever using their credit card as we had canceled/closed the account several years ago when my wife started questioning who opened the account. Around the XXXX of XXXX, XXXX my wife asked me to call USB and inquire about the charges and who opened the account. NOTE : my wife has been calling USB on and off for at least for the past three or four years asking them the aforementioned questions but they would not communicate or discuss the account as her name was not the person that opened the account -- they said it was me but they never indicated that all she had to do was put me on the phone and I would give them permission to talk to her. So, I called them and ask them to provided me with a list of the charges with dates and to send me a signed copy of the application of the credit card with my name on it along with the charges. The first lady I spoke with was very nice but after looking everything up she could not find anything except we had supposedly opened the account around XXXX. She said I had to talk to a different department and put me on hold. Next up was a gentleman that said he could see the charges but didn't know what they were for and I said fine but could he send me a list of the charges along with the dates plus my signed application and he said he would do. -- -- I have yet to receive anything except a letter saying that if we believe our account has been compromised we needed to contact their Fraud Department and submit an inquiry. They provided the phone number and I called them. After speaking to them and going over all this the folks at the fraud department said they would investigate the claim and get back to us. About two weeks later we received a call from them with the lady saying she didn't see any fraud as we have been paying on the account for the past ten years and we had opened the account because that's where the bills are being sent to. I asked her to provide me with the signed application document and she said that it had all be done online. I asked her did the company not require a signed application and she did not answer, just saying that the bills were coming to our address and that was it! It is of my belief that this company has committed an act of fraud as they can not provide me with my signed application or any charges that have been made. We have paid this company at a minimum over {$6000.00} during the past 10 years and I want my money back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: AFTER THESE GLORIFIED CROOKS CLOSED MY ACCOUNT, THEY ACCEPTED A PAYMENT FROM XXXX XXXX PLAN OF {$680.00} THAT WAS DIRECTLY DEPOSITED ON XX/XX/2020. THEY WOULD NOT ACCEPT A PAPER CHECK PAYMENT THAT I TRIED TO DEPOSIT TO KEEP MY ACCOUNT OPEN OR AT LEAST REOPEN IT AND THEY CLAIMED THEY COULD NOT ACCEPT IT BECAUSE IT WAS ALREADY CLOSED AND YET THEY KEPT MY DIRECT DEPOSIT PAYMENT I WORKED HARD FOR OF {$680.00}. HAD THEY RETURNED THE PAYMENT TO XXXX, I WOULD HAVE BY NOW GOTTEN A PAPER CHECK FOR THIS AMOUNT. BUT INSTEAD, XXXX, ACCORDING TO XXXX WHOM I SPOKE WITH ON XX/XX/2020, SAID THE FUNDS WERE ACCEPTED AND ASSIGNED THE EFT NUMBER XXXX ON XX/XX/2020 AS MENTIONED ABOVE. I AM DISGUSTED THAT SUCH A THIEVING FINANCIAL INSTITUTION WHO NEVER HELPED ME WITH MY SMALL BUSINESS WOULD COMMIT SUCH THIEVERY WITH ALL THE MONEY THEY MAKE SUCH AS OWNING A STADIUM FOR THE XXXX XXXX CAN BE SO XXXX. I AM WITHIN MY RIGHTS TO CALL THE FBI FOR WIRE FRAUD COMMITTED BY THIS THIEVING FINANCIAL INSTITUTION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I made a purchase from a Website that I had a free membership account with where you could purchase Physical DVD 's and Stream and/or Download Movies. I Purchased 2 DVD 's that with tax added up to -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$31.00} I also purchased an Online Movie and a Online w/Download Movie adding up to -- -- -- -- {$24.00} Originally I had also ordered a Third DVD that came to -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$18.00} Which would have brought the Total to -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$75.00} Because of a Computer Glitch my Bank mistakenly reported this as a Fraudenlent Charge and contacted me the next Day. Their Computer had Two entries in My Pending transactions. One for the Total Charge of {$75.00} and One for the Total of 2 DVD 's plus Tax of {$31.00}. I Clearly told them that the Total charge of {$75.00} was correct, but that the extra Charge of {$31.00} was Not. Because of their Computer Error, it also appeared to me that the Website ( Which I had never had any previous problems with, after Years of Membership ) had overcharged me. So, at the suggestion of my Bank I reported the charge as Fraudelent. They also sent me a new Credit Card and Canceled my old Card Eventually the Website realized that the Third DVD was unavailable due to it being backordered and were unable to provide it to me at that time so they deleted it from my order. They had shipped my 2 DVD 's in a timely manner and had added my 2 Online Movies to my Free Account which I could access at anytime with my E-Mail/Username and Secure Password. Because of the Delay of the Backordered then Deleted DVD from my account they did not charge my Card/Checking Account until XX/XX/XXXX 2 DVD 's with tax -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$31.00} which the site then charged a Usual/Nominal International Processing Fee of -- -- -- -- -- -- - {$0.00} Online Movie and a Online w/Download Movie -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$24.00} which the site then charged a Usual/Nominal International Processing Fee of -- -- -- -- -- -- -- XXXX Not having realized their mistake my Bank Denied the Charges on the same date XX/XX/XXXX Refunding the above charges identically. After several E-mails back and forth with the Website I assured them I would clear this up with my Bank. They made it clear that my Free Account with them with which I could access the Many Online Movies I had purchased in the past was susspended until I could get this cleared up with my Bank, it being Their ( The Bank 's ) original Mistake. I made several calls back and forth with my Bank 's Fraud Protection Line and their Customer Service Lines, which are Two Seperate Departments that do not appear to Communicate with each other at all. Each Call I had to make with my Bank, I had to tell this story ALL over again, with a Brand New Person. Even within the Customer Service Department I had to Repeat Myself Again and again. Eventually either on XX/XX/XXXX or XX/XX/XXXX I Called the Customer Service Line of My Bank and went through the whole story again, and asked if it was correct that I should call my Website 's company directly and give them my New Credit Card Information over the phone, so they could be paid for the services they fulfilled a month prior, OR would they be paid by the Bank when they reversed the Mistaken Fraud Charge on my Original Credit Card that my Bank had Mistakenly Canceled For No Reason. They said YES when I suggested the Idea of Calling the Company and giving them my New Credit Card information. Sure enough I was promptly charged TWICE for the same services. Once for {$56.00} and a Processing fee of {$1.00} on XX/XX/XXXX AND a " Forced Post Ach Withdrawl Adjustment '' for {$31.00} and {$24.00} on XX/XX/XXXX {$31.00} and {$24.00} add up to {$56.00}, I don't know why my Bank didn't include the Processing fees, I guess they just kept that money for some reason. Another of their many Mistakes. I called Customer Services and the Fraud Protection Lines. Fraud Protection told me that the Claim was " Closed '' so they couldn't Reopen it for some reason, and that my only recourse was to file a New Claim of a " Duplicate Charge '' with the Customer Servive Line. Which I promptly did. I informed Customer Service I was on a Fixed Income as I am On XXXX and I also had Timed Withdrawls for Bills Due out of my Account that Would be covered had they not Overdrawn my account with their mistake. They assured me they were on top of it. They were not, But when Overdraft fees Were drawn out of my account they were imediately refunded by my Bank and eventually they did correct their mistake and Refunded my charge on my New Credit Card of {$56.00} and the Processing Fee of {$1.00}. Apparently, my Bank wanted to keep the original processing Fee, which I assume they still have. I considered the matter closed until I recently on XX/XX/XXXX i went on my Bank Account Website to balance my checkbook and I noticed a suprising and shocking Negative balance. My Account was Overdrawn because out of nowhere and with No notice from my bank, no E-mails, no Phone Calls, Nothing ... I noticed the following charges on my account. Dated XX/XX/XXXX " Forced Post Ach Withdrawal Adjustment '' for {$56.00} and {$1.00} I have notified them that this is an error and as usual they have told me to Call them where I will have to relay this to yet Another individual who has not communicated with anyone else in the company and has No access to any of my information which I have relayed about Ten times now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 420XX
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I spoke with Supervisor XXXX in card services on XX/XX/XXXX. He explained that if I paid {$13.00} to bring my account to {$400.00}, the savings account that had {$400.00} would be transferred and the card and the account would be closed. On XX/XX/XXXX20 I go into into a branch to find out that the account isn't closed, I'm given an 800 number to call. I called the number and the rep transferred me to XXXX also a supervisor in card services. He explains the card and account will not be closed until after I pay {$400.00} and then wait until after XX/XX/XXXX so I have to pay the interest on a cash advance of {$50.00} ( plus a {$10.00} fee ) that was done in XXXX. After all this is done the account will be closed and the {$400.00} will be mailed to me. The issue I have is ; I did what I was told by XXXX in good faith and now the new supervisor is unwilling to follow the commitment in good faith that I understood.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: An agent from XXXX XXXX call my place of work ( XXXX XXXX ) and threatened me with being served for my warrant for arrest and jail, wage garnishment, property seizure, etc. if I don't pay them over {$4000.00} for a debt on a credit card I ( never had ) back in 2010 with US Bank. I never had a credit card with US Bank, only a checking account that was closed due to no activity. Their phone number is XXXX and their case number on me is # XXXX. I unfortunately and unknowingly acknowledged my year of my birth, and my last four digits of my SSN over the phone with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97086
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: XX/XX/XXXX XXXXXXXX at US Bank ATM at the XXXX Missouri Branch I attempted to make a cash withdrawal of {$640.00}. The machine sounded as if it was counting cash then displayed a message saying my card is being kept to contact my bank. I went into the branch and was told that my card would be shredded due to me being a Non US Bank account holder. The Funds where taken from my account including a {$5.00} fee. After trying to plead with the branch manger to try and help me it went nowhere and left without my card and no money & the funds no longer in my account. I followed my instructions to take it up with my Bank. After 6 days I was informed by my Bank ( XXXX XXXX ) that I was unable to move forward with dispute with XXXX XXXX because I didn't have a paper receipt. I called the Branch trying to get information of any kind as there's nobody who is trying to give me any Update. The Branch Manger informed me that when the ATM was balanced it did not show any overage and that its unlikely I will get my money back in my account. I advised him to check the Video Footage to see if cash was dispensed and was told that it wasn't necessary as everything seemed to be functioning normally. I am very disappointed by anyone 's lack of compassion and value in a " Non Customer '' US Bank just keeps transferring me on a endless loop of different automated lines and wrong departments, it feels seriously hopeless and like a blatant robbery from the ATM owner or operator, or Whoever has access to the ATM to count the funds is absolutely being dishonest about being balanced. It's impossible to not be off {$640.00}, I fill completely powerless and just really need my money as thats a very substantial amount for our household.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63701
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Sunday, XXXX XX/XX/2020, I received a text with a link to a job offer from XXXX. I used the link given to apply for the job. Later that afternoon someone calling himself XXXX XXXX ( XXXX ) called me and introduced himself as a hiring manager for XXXX. He told me that I was hired and explained what he would be doing the following week. He said that he would be sending me a check for {$3900.00} via XXXX. The XXXX tracking number I was given this number XXXX XXXX XXXX XXXX XXXX XXXX. Upon receiving the check I was supposed to deposit it in my bank account. After the funds were available in my account, I was instructed to send {$3400.00} to their " expert installer '' via XXXX, so that they could install the marketing materials immediately. The extra {$500.00} was supposed to be payment for my first week. I received the check on Thursday, XXXX XX/XX/XXXX. I notified XXXX that I received the check and there might be a problem with it because it was not from XXXX. It was from XXXX XXXX, XXXX XXXX said that was ok because it was another account that he managed. He instructed me to deposit the check and use XXXX to transfer the money to the installer, XXXX XXXX. I deposited the received check in the afternoon at the US Bank Branch at XXXX XXXX XXXX in XXXX XXXX on Friday, XXXX XX/XX/XXXX. However, there was a problem with the XXXX app ; so I called XXXX back to advise him. He instructed me to go to the post office and buy a money order and overnight mail it to XXXX XXXX. When I questioned this, he told me that she was XXXX 's business partner. I went to the post office and found out that maximum postal money order is {$1000.00} and the limit I could receive from my debit card was {$2000.00}. So, on XXXX XX/XX/XXXX, my daughter and I purchased {$2000.00} from the XXXX on XXXX XXXX XXXX in XXXX XXXX and mailed them to XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX ( XXXX ) XXXX. The following day, XXXX XX/XX/XXXX, the XXXX app was working and I transferred {$1400.00} to XXXX XXXX using his e-mail address : XXXX. The confirmation code is : XXXX. XXXX was supposed to contact me about installing the marketing materials. However, XXXX called to tell me of a delay on XXXX XX/XX/XXXX. Of course there was no delay, the check was returned on XXXX XX/XX/XXXX, because it was either forged or from a fictitious account. I didn't find out the check was bad until Friday, XXXX XX/XX/XXXX. I went right away to the US Bank branch on XXXX XXXX. I was told by someone in their fraud department that the bank would not accept any responsibility and I was responsible for the entire amount because they did not consider it a case of fraud because I sent the fraudsters the money. I talked with my son, who is an Asst US Attorney, who told me to file reports with several entities : FBI, Consumer Financial Protection Bureau, XXXX XXXX Police Department, Missouri Attorney General 's Office, Minnesota Attorney General 's Office, and with Office of the State Bank Commissioner of Kansas. I filed the FBI report on Monday, XXXX XX/XX/XXXX ; the PD on Tuesday, XXXX XX/XX/XXXX ; and the remaining four reports on Thursday, XXXX XX/XX/XXXX. I also plan on escalating the issue with US Bank on Friday, XXXX XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX I mailed a check to US Bank to pay off the balance owed on the mortgage. XX/XX/XXXX I called US Bank letting them know that I had received a past due notification and I was told to disregard the notice. They confirmed they had my check already and that it was just a long process to payoff a mortgage. US Bank didn't apply the payment until end of XX/XX/XXXX causing my account to be reported as past due to my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was supposed to close escrow on a new home XX/XX/XXXX but when my lender pulled the last credit report these delinquencies appeared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A