Date Received: 2020-02-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My issue is with US BANK. I took out a balance transfer for {$2400.00} that isn't due in until XX/XX/2021. In order to avoid paying interest, I always pay off my statement balance purchases. And yet every time I look to my statement, I've been seeing interest charges. I've made several calls to US Bank and every time I get a different story. For the first 10+ customer service calls, the story was that it was a " mistake '' and sometimes interest fees were reversed. Then, a customer service rep told me I needed to pay my purchases, plus the " minimum due '' - add those together and pay those. I did that, and then interest charged popped up again with a charge of {$30.00}. Now I called them and finally, after what must have been over 10 calls, that because I have the balance transfer, they now charge interest in my purchases. I don't know if it's ethical, but it feels like the rules of the credit card changed once I got the balance transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
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: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently purchased a new vehicle. Unfortunately, my loan is through US Bank. I will be applying an extra {$170.00} to each monthly payment which totals {$1000.00} ; subsequently, paying off the vehicle earlier. I have only had two payments so far and both times the US Bank employee apparently can not figure out how to correctly apply my payment. This month it was applied as {$1000.00} making my XX/XX/2020 payment {$650.00} ( which is incorrect ). All they did was apply my extra ( principal amount ) and decreased my next monthly payment. How hard can this be to complete properly? I asked a representative to please add a note on my account so my loan be processed correctly. The representative even admitted to me the employee who entered the payment is just entering the amount in How they want. Can you help assist me with this matter so it isnt a long 6 years? Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63052
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: Trouble during payment process
Subissue:
Consumer Complaint: US Bank can not supply reconciliation and full accounting of construction loan funding and funds left to date as part of residential remodel project. Construction loan was obtained in XXXX ( previous complaint filed in that instance ), and construction loan was rolled into traditional mortgage in XX/XX/2019. Funds disbursement throughout construction was handled through Granite fund control. Funding has been significantly delayed throughout the project due to mismanagement of paperwork by both US Bank and XXXX. As we get deeper into the project, and closer to finalizing they have been unable to provide any accounting of the job. They are withholding funds we are currently paying interest on as part of our personal mortgage. We are also due personal reimbursement for funds outlayed as part of construction and have not been repaid, nor have some of the subcontractors working on the job. Happy to provide email back-up of all correspondence in which the bank says they are " working on it ''. In our latest round it has been 1 week since we asked for full accounting and reconciliation of the job financials and they have been unable to account for the money. The job is now at a standstill as sub contractors can not proceed with additional work until there is payment. We continue to pay our full mortgage amount ( which includes interest and the outstanding loan amount ) with no reimbursement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I contacted US Bank to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2020 II XXXX XXXX went in to XXXX us bank to discuss more overdrafts they keep taken from my account along with these account balance fees of $ XXXX when it was decided to put back those funds. this was at around XXXX .then I SAID I WOULD LIKE TO PURCHACE TWO XXXX XXXX CASHIER CKS WHICH I PAID FOR FROM MY POCKET NOT MY ACCOUNT HE THEN TOOK MY CASH {$200.00} WHEN HE RETURNED WITH MY CASHIER CHECKS ALONG WITH ITEM # 4 TO SIGN HE WHENI ASK WHAT THIS WAS FOR HE SAID THIS IS FOR THE CASHIER CKS I DIDNT THINK NOTHING ABOUT IT .AND I SIGNED IT NOT KNOWING WHAT HE DID TILL XX/XX/2020 WHEN I WENT TO MAKE A WITHDRAWL FROM A XXXX XXXX BRANCH AND IT WAS THEN I WAS TOLD I HAD NO MONEY IN MY ACCT EXCEPT {$36.00} FROM A OVERDRAFT FEE. I ASK FOR A PRINT OUT AND THEN KNEW WHAT HE DID TO ME.I CALLED THAT BRANCH UP AND SAID I DIDNT WITHDRAWL {$73.00} FROM MY ACCT HE SAID YOU SIGNED THE SLLIP AND I SAID BECAUSE YOU SAID IT WAS ONLY FOR THE RECIEVING THE TWO CASHIER CHECKS .I THEN CALLED XXXX POLICE AND EXPLAINED MY COMPLAINT AND THE OFFICER WENT TO THE BANK TO TALK TO THEM AND WHEN THE OFFICER CALLED ME BACK THE ONLY THING THAT WAS DISCUSSED WAS THE OVERDRAFT FEES AND NOT THIS {$73.00} THAT WAS TAKEN FROM MY ACCOUNT AND BECAUSE OF THAT THE OFFICER SAID THERE WAS NOTHING HE COULD DO. SO FRIDAY THE XXXX I CALLED XXXX POLICE AGAIN AND THIS TIME I MET WITH OFFICER XXXX AND SHOWED HIM MY PAPER WORK AND HE LOOKED AT IT AND SAID YOU GO BACK TO THE BRANCH WHERE THIS HAPPENED AND TALK TO THE MGR AND IF YOU CANT GET IS RESOLVED THEN CALL ME SO THIS WAS CLOSE TO XXXX XXXX XXXX WHEN I CALLED TO SEE IF MGR WAS IN AND IT WAS XXXX WHO ANSWERD THE PHONE THE ONE WHO TOOK MY MONEY AND HE SAID XXXX WOULDNT BE IN TILL TUESADAY XXXX. HE KNEW WHO I WAS AND I ASK HIM IF I WITHDREW {$73.00} WHY DIDNT I SIGN A WITHDRAWL SLIP HE SAID YOU DID .HES REFERING TO THE WITHDRAWL OF MY {$200.00} I GAVE HIM FOR THESE CHECKS ONLY. AND I SAID I WAS GOING TO SEE THE VIDEOS AND IT WILL SHOW THERE WAS NO MONEY GIVEN TO ME .HE SAID I WOULDNT BE ABLE TO SEE THE VIDEOS SO GOOD LUCK AND HUNG UP ON ME .SO TUES XX/XX/2020 I WENT TO TALK TO XXXX THE MGR AND HE WOULDNT EVEN TALK TO ME ABOUT IT ONLY SAID YOU SIGHED FOR IT I TOLD HIM THEN SHOW ME A WITHDRAWL SLIP FOE THIS {$73.00} HE SAID RIGHT HERE REFERNING TO THE ONE WHICH YOULL SEE IN MY DOCUMENTS ILL PROVIDE. I THEN WENT TO THE POLICE DEPARTMENT FOR THE SECOND TIME AND SHOWED THE OFFICER MY PAPERWORK AND DECIDED I HAD A CASE AGAINST THIS TELLER .I ALSO HAVE A RCORDED PHONE CONVERSATION WITH THE BANK MGR REFUSING TO LOOK AT ANY THING I HAD OR SAY .WHEN I ASK THE TELLER WHY DID HE WAIT TILL XXXX TO WITHDRAWL MY MONEY FROM MY ACCT WHEN I WAS THROUGH WITH MY BANK BUSSINESS AND LEFT AT XXXX HIS REPLY WAS I STUCK AROUND AFTER MY BUSSINESS WHAS FINISHED I SAID YOUGOT TO COME UP WITH SOMETHING BETTER THAN THAT. THE BOTTOM LINE IS HE TOOK MY {$200.00} CASH I GAVE HIM AND DEPOSITED IN MY ACCT ON XX/XX/200 AT XXXX WITH THE SEQUENCE NO ; XXXX AND HAD IT ON HOLD AND TOOK THE SAME {$200.00} AND PUT IN AS CASH IN AT XX/XX/ SEQUENCE NO '' XXXX THEN AFTER RETURNING WITH MY CASHIER CKS OF TWO {$100.00} CKS HE ASK ME TO SIGN THIS I SAID WHAT FOR HE SAID OH ITS JUST SHOWING YOU RECIEVED THE CASHIER CKS I TRUSTED HIM TO BE HONEST AND SIGNED IT THISWAS AT XXXX XXXX XXXXWHEN I LEFT THE BANK WITH MY TWO CASHIER CHECKS.THEN AT XXXX IS WHEN HE WENT AND WITHDREW MY {$73.00} OUT OF MY ACCT.AND WHEN YOU SEE THE VIDEO ON XX/XX/2020 YOU WILL FIND THERE WAS NO MONEY HANDED TO ME BY THE TELLER XXXX IN THE SUM OF {$73.00} I HAD LEFT THE BACK AT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I recently learned of some transactions that occurred during XXXX and XXXX on my checking account with US Bank that I did not take part in. There were purchases at XXXX XXXX and XXXX, neither of which I actually visit nor shop at personally. I did not notice these transactions until early XXXX for a few reasons : 1 ) Notifications via text for any purchase always seem to get disabled by US Bank and are never reliable. Every time I turn on text alerts they somehow turn off in a week or two. 2 ) I did not regularly check my account balance as I had a second job during the holiday season and wasn't considering the fact that I may have trouble with low funds or unauthorized purchases 3 ) I made a large number of purchases during this time for XXXX and didn't notice these whenever I did take the time to quickly peruse the US Bank app I filed a fraud complaint with my bank and they made no effort to contact me ; it was only after calling in after 15 days ( when I was told I would have provisional credit within 10 ), that I was told it was closed and the only details were 'invalid facts ' because debit cards with chip readers can not be counterfeited, and these were PIN-based transactions, or similar wording. I received nothing in the mail or no communication otherwise. I did not make these purchases, however, the person most likely responsible is the one and only person who had actual physical access and use of my card, which was my partner at the time. We lived together, shared expenses, shared bank and credit cards with each other when the other needed help, etc. We trusted each other obviously because we had been in a relationship for several years. This is the only person who could have done this, and while I believe she had to have, I am also not willing to ruin this person 's life by providing her name and contact information because despite no longer being together for unrelated reasons, I don't want to bring this kind of situation down on someone I spent part of my life with, even though she has to be the responsible party. I have been with US Bank for ~16 years and they have always been helpful with any and all of my issues until now, but it only takes this one situation to make me want to leave unfortunately. It's ~ {$300.00} that added up over 7 purchases between XXXX and end of the year. Details below. XX/XX/XXXX - XXXX XXXX - {$34.00} XX/XX/XXXX XXXX XXXX 'XXXX - {$110.00} XX/XX/XXXX XXXX XXXX 'XXXX - {$55.00} XX/XX/XXXX - XXXX XXXX - {$18.00} XX/XX/XXXX - XXXX XXXX XXXX {$40.00} XX/XX/XXXX - XXXX XXXX XXXX {$69.00} XX/XX/XXXX - XXXX XXXX - {$4.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: i am 1 month behind on my credit card ; they call multiple times a day starting at XXXX till XXXX XXXX. I've asked them to stop and they dont. They are supposed to stop when i ask.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Elan Financial Services is reporting an inaccurate payment history to one or more of my credit reports. On XXXX, Elan is reporting that the account first became 30 days late in XX/XX/XXXX, but XXXX and XXXX show the last payment was made in XX/XX/XXXX, which would put the account going 30 days late in XX/XX/XXXX. Elan has re-aged the account on my credit report by FOUR FULL MONTHS and is making the late payments inaccurately seem more recent than they actually are. On XXXX, Elan has omitted the month by month payment history from the report. The account is incomplete on that report. I am complaining because I first disputed the account with XXXX and XXXX, but they responded to my disputes on XX/XX/XXXX saying that Elan verified that the inaccurate information was correct. After that, I sent a letter directly to Elan regarding the inaccurate credit reporting on XX/XX/XXXX. I provided them with proof of the date of last payment from my XXXX and XXXX reports. I also sent them a copy of the dispute letter I sent to XXXX as well as the inaccurate account reporting on XXXX. On XX/XX/XXXX, Elan responded to my direct dispute letter by saying they already investigated my dispute when I disputed with XXXX and that they would not investigate. They also claimed I did not provide any new information, which is a false claim. In summation, Elan failed to investigate my dispute when I disputed with the credit bureaus. Elan verified inaccurate information as accurate to XXXX. Elan refused to investigate my dispute when I sent them a letter with proof of the inaccurate information. Elan also has failed to correct the information after all my attempts to get it corrected. At this point, Elan has violated my rights under the FCRA multiple times. Elan is causing real harm and emotional distress to me by providing this false information to the credit bureaus. I have been charged exorbitant rates on a recent auto loan because Elan is maintaining this inaccurate information on my credit reports and I have been denied other credit opportunities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78749
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX I returned the Car that I had a lease with US Bank. The monthly payments were {$950.00} done on the XX/XX/XXXX every month automatically by my bank, the XX/XX/XXXX of the month was the due date ( as seen on US Bank statements attached ). On XX/XX/XXXX US Bank fraudulently sent a statement with a due lease payment by XX/XX/XXXX ( The lease had finished by then ). My Bank on XX/XX/XXXX paid the due amount of {$950.00} for the period of XX/XX/XXXX to XX/XX/XXXX. This payment was a wrong charge as the Lease ended on XX/XX/XXXX, so the last payment should have been on XX/XX/XXXX, covering the period on XX/XX/XXXX through XX/XX/XXXX. I called US Bank and they told me the money would be refunded, I called again on XXXX and was told the same thing and today XX/XX/XXXX ( two months after ) I was told the same story.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: US Bank has closed my credit card without notice. The credit card in question is the US Bank XXXX XXXX which comes annual fee of {$400.00} and US Bank Rewards awarded for spending. I had paid the full annual fee in XX/XX/XXXX and thus only had the card until XX/XX/XXXX. US Bank did not provide any reason for closure and informed me that their Terms and Conditions allows the closure without further notice. Respectfully, I agree that closure is stated in the Terms and Conditions, but I do not agree that the company has chosen not to reimburse my 'annual ' fee when I do not get 'annual ' benefits from the card. In addition, US Bank confiscated the XXXX US Bank Rewards Points. They have not provided any means for withdrawing the leftover points and are is unwilling to credit those points. Since I did not choose to close my credit card, I want to formally request my XXXX points = {$8.00} cent, and the {$400.00} annual fee that was not reimbursed upon closure. If US Bank chooses not to reimburse the required fees, I will be proceeding with this issue in small claims court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A