Date Received: 2023-11-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a business US bank credit card with a promotion requiring spending {$4500.00} within 150 days to receive a {$500.00} credit. On XX/XX/2023, I contacted an associate to confirm whether this spending requirement included balance transfers, as I was planning on completing a balance transfer. The associate assured me that balance transfers were indeed a part of the promotional offer and that I had met the spending goal. On XX/XX/2023, I called again to re-confirm this information and was once again informed that balance transfers counted towards the spending requirement. However, when I called on XX/XX/2023 to inquire about the credit, I was informed that the terms had been changed and that only purchases would be counted towards the promotional offer. I am disappointed by this change in terms and would appreciate clarification on when I can expect to receive the credit. US Bank are not honoring what was assured to me on the phone calls by different associates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: US Bank inquiry on XX/XX/14. Unauthorized inquiry/fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX the XXXX I received a call from the actual US Bank number XXXX. The person stated to be a representative of US from the fraud department. He stated their were two transactions of {$700.00} made in Florida and wanted to make sure it was actually made by me. I said no. He then stated he was going to cancel those and close my cards down. I received a text, he said to ignore the text that it was him just closing my cards. Then I got another message, he also told me to ignore that text since it was him trying to freeze that transaction from going thru. Then there was another message from the US bank again, he again stated that was him trying to reset my account. I didn't have time to check the messages as I was on my way to pick up my son from school. After that, he then told me, that he was in fact from US bank that I could check the number he was calling from to verify who he was. He then states its taking him long than expected because he systems was having problems. After that, he states their was something else being processed on my account. It looked like a wire transfer of {$7700.00} to XXXX XXXX. He asked me if I did that, I told him NO. He states he was going to stop that. He gave me a new online code to get back to my account since he had to close me out of all my accounts. But that everything should be fine. Well when I to put that new code on the online banking, it didn't work. I notice that I was able to get on the online banking via face recognition. I then call the actual US bank which the representative stated they have never called me. But she said there was no card transactions of {$700.00} on the account or anything abnormal. I then asked about the wire transfer of {$7700.00}, she said it was not showing up either. Few minutes later into the call, she sees the now " pending '' wire transfer. I told her that was not made by me to please stop that from going thru. She states she will freeze my account so it won't go thru. She told me to go to the bank to close those accounts and open new one, also to move all the money over. Before I went to the bank, I asked her if that money will be taken out, she said no because she was able to freeze the accounts as soon as it happened. I go to the bank and did what she advise me. I was locked out from my accounts until Tuesday, it was then that I realized that the wire transfer did go thru. I've been on the phone with these people, ever since. Today XXXX, a representative told me they had close the case because they were unable to get my money back and there was no sign of fraud. That I made that transfer which I didn't. I don't know that else to do. I never gave this man any information regarding my login or passwords. Didn't even give them the account number since I didn't know them myself. I have made the police report, nobody has asked for it. I'm in complete disbelief my bank won't hear any of the conversations that took place and will not refund my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66216
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened this account in XXXX, I was never able to use the mobile banking feature so I constantly called them everyday to try and get this issue resolved. I was never able to get them to fix that problem even right now as of today. So I gave up on getting it fixed, i had to call the number on back of the card to hear my balances or if I wanted to transfer funds out of one account to another. It became exhausting and frustrating. I reach out to customer service and I let them know that if this problem doesnt get fixed that I am going to close my account sometime soon if this problem continue to make my life miserable, I told the representative that I will step into a branch when I decide to close the account, so that I can withdraw the money I had available to me at that time. XXXX days later I am trying to make a purchase with my debit card and its repeatedly being declined, when I call now Im getting transferred to the fraud department to confirm transactions, after confirming all the transactions my debit card still doesnt work. One of the reb explains to me my accounts are being closed and that the bank has chose to end the relationship, I then ask when will I receive the funds out of the account, I keep being told that I will receive a letter in the mail explaining more information. I still have not received any letter m, the accounts are not closed, and I still have not received my money from either checking & saving account I have with this bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I applied for mortgage relief in XXXX due to loss of income related to COVID 19. After several months and getting the VA involved, the loan modification was approved but added a second mortgage and ten additional years tof payments o my mortgage account. I went into foreclosure this year, unbeknownst to me, because XXXX was returning my payments. I finally got this settled and got my loan reinstated only to be hit with an escrow analysis and {$600.00} mortgage payment increase. US Bank, the mortgage company, is attributing the {$600.00} per month increase to the homeowners insurance company, USAA. The premium increased by {$2500.00}, from {$5000.00} to {$7600.00}. If I do the math, this is an increase of {$210.00} per month for the annual increase of {$2500.00}. I do not pay property taxes because of my XXXX disability rating. Neither company has adequately explained to me why my mortgage increased by {$480.00}, from {$1700.00} to {$2200.00}. Furthermore, my account was reinstated in XXXX and the escrow was analyzed in XXXX. Im being told my mortgage escrow account will be reanalyzed again in XXXX. I closed on the house in XX/XX/XXXX and my escrow is usually analyzed in XXXX. I am not sure why the escrow account is being analyzed multiple times per year. The analysis impact my monthly payments which is a big deal for me right now. Furthermore, I feel as if XXXX and US Bank are in cahoots with each other since XXXX referred me to US Bank for my mortgage when I initially started this process. When I asked XXXX what the rebuild estimate was based on, I was told the characteristics of my home not the market value. This makes no sense to me since no homes in my neighborhood are priced at $ XXXX. I dont understand how the rebuild price is more than a new build price for a nighborhood with homes ranging in price from $ XXXX to $ XXXX. I also asked if my home were to be a total loss today, would XXXX pay me the insurance value or the value of what was owed on my home and I was told the rebuild value but dont believe that response. Consumers should be able to decline insurance premiums over and above what they owe on their mortgages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: COMPLAINT ID XXXX Through CFPB, I was able to get a response from the bank however they did not investigate the matter in detail. I received a response back through CFPB from US bank regarding my business checking account. The original complaint was that I did call before I've opened up a business checking account with a promo to make sure I did qualify. Upon recieving an approved answer from the representative I've opened up the checking account. Before I've deposited the XXXX dollars needed qualify for the promo I did call yet again to make sure I did qualify. I've spoke with 2 different representatives to make sure I did qualify. Also. I've called after 60 plus passed days to make sure I was going to be receving the promotional offer. In which the representative yet again was 100 % sure I would get the promotional offer. This particular representative 's name was XXXX. If all of these calls were recorded then they should be logged with US bank. In all honesty, I did not know I would qualify for the banking promotion. And in all honesty, I did call to get guidance on whether I would qualify. The answer I got from all of the representatives were yes I would qualify. That is why I've made the choice to open the business checking account. I kindly ask that you would please grant the promotional offer as assured upon by all of your representatives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/XXXX : XXXX XXXX : XXXX to set up account. He assured me that even though the wrong E Mail and phone was on some forms, he would correct them once the account was open. XX/XX/XXXX : Called XXXX banking. : XXXX XXXX, including XXXX min hold. Assured phone and XXXX mail was corrected. XX/XX/XXXX : Called XXXX banking : XXXX XXXX. XXXX said she could not do anything without speaking to XXXX. She said she called XXXX and would call me back. XX/XX/XXXX : Called XXXX banking : XXXX Minutesincluding a XXXX and XXXX hold. Put me on hold for someone else. Another XXXX min hold. XXXX spent XXXX min. could not help. Said he notes would be seen my next helper. Transferred me to Web Support. Norm said he could not read XXXX notes. Started over. He could not help. Escalated to XXXX operations center escalation supervisor. Will hear from them in XXXX days. XX/XX/XXXX : XXXX XXXX. Called branch manager who said sarcastically Ive heard about you. She had no idea why this was happening. Called her supervisor. Spoke to him the next day. XX/XX/XXXX : XXXX minutes. called online banking. She said by bank rules no information can be changed for the first XXXX of a new account. I should call back on XX/XX/XXXX. XX/XX/XXXX : XXXX min. Call from bank manager. She was wanting to get XXXX Banking on a three-way call. When I explained the phone call, I just finished, she said, she never heard of such a rule. Online banking hung up before she could get me on the line. She blamed me for this say If you hadnt been ranting. She agreed to call me on the XXXX and personally walk me through the process of updating my phone and XXXX mail. XX/XX/XXXX : XXXX XXXX. called customer service. she tried to help. Transferred me to XXXX XXXX XXXX. XXXX could not help, either. Was sending it to XXXX XXXX Department. Will hear back in XXXX days. Escalation Case Number XXXX. XX/XX/XXXX : XXXX Minutes : called XXXX. XXXX said he was with the XXXX XXXX Department. I gave him the case number, he paused, said hold a moment. He transferred me to a general number, that started the process from scratch, asking why I called, XXXX. After XXXX more minutes I got XXXX. He reported the XXXX XXXX Department is behind the scenes as of last month and he has no way to contacting them or transfer me. He said he was going to talk to his manager. He went away and came back after 17 minutes on hold to say, the manager was reviewing the case and it shouldnt be too much longer. I asked to speak to the manager. He transferred me to XXXX, who said he was available want awaiting my call. XXXX XXXX XXXX, XXXX. XX/XX/XXXX : XXXX Minutes. called XXXX. Chrisclaimed he was a different XXXX. On hold to talk to a supervisor. XXXX was not available, but XXXX assured me that XXXX will call within XXXX minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55345
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Several weeks ago, I contacted Elan Financial Services, which services my XXXX Credit Card. I checked my balance with the account, and they confirmed my balance is {$1100.00}. However, XXXX XXXX and XXXX show my balance as {$7100.00}. I disputed this with the credit bureaus, and XXXX came back with this result : RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. This inaccurate balance on my credit report is impacting my credit score keeping it in the 670 area.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I recieved a letter on XX/XX/XXXX stating they would close my account on XX/XX/. I called to question why, I was told that it was an error and he did not see a reason so it would not be closed. On XX/XX/XXXX my account was in fact closed, she told me she did not have to give a reason. I asked multiple times why and she said they do not have to give a reason why. I have had this account for more than a few years which makes no sense since it was in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2020! I had rented a car for my granddaughter in XXXX XXXX XXXX and the car was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But anyway XXXX XXXX police took the car in for investigation on XXXX ( Saturday )! XXXX XXXX released it on XXXX! The car rental claimed they didnt get it for 10 days! That took the rental up to {$2300.00} and US Bank let them take it and 1 deposit from government stimulus they took it but the government took it back and sent it to me! So lastly US Bank has XXXX XXXX me to where I cant open any accounts at any bank!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A