Date Received: 2023-10-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to file a formal complaint against US Bank with the Consumer Financial Protection Bureau ( CFPB ) regarding their denial of my dispute on my debit card transaction and the subsequent closure of my account. The disputed charges were related to the presence of roaches in my weekly hotel room at XXXX XXXX. Despite providing evidence and documentation from XXXX XXXX confirming that they had sprayed for roaches during my stay, my dispute was unjustifiably denied by US Bank. On [ Date ], I filed a dispute with US Bank regarding unauthorized charges on my debit card for my stay at XXXX XXXX. In my initial dispute, I specifically mentioned the issue of roaches infesting my hotel room and emphasized the inconvenience and health risk it posed. However, to my astonishment, US Bank denied my dispute without any reasonable explanation. Furthermore, in response to my dispute, XXXX XXXX provided documentation confirming that they had indeed sprayed for roaches during my stay. They admitted that some roaches may have attempted to seek refuge in my belongings as a result of the extermination process. Additionally, when I requested a refund from XXXX XXXX due to their failure to address the roach infestation in a timely manner, they agreed to provide a refund. To my utter perplexity, US Bank not only denied my dispute but also proceeded to close my account. Furthermore, they are now recharging me for the charges from XXXX XXXX that had previously been disputed. This unjust action by US Bank is in direct contradiction to the evidence I have provided, demonstrating that XXXX XXXX acknowledged the presence of roaches and offered a refund. I request that the CFPB thoroughly investigate this matter and compel US Bank to rectify their erroneous denial of my dispute, reinstate my account, and cease any attempts to charge me for the disputed transactions. I also urge the CFPB to take appropriate action against US Bank for their unjust treatment and disregard for consumer protection. Please find enclosed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX, Collections Manager of Cardmember Service at USBank, ( XXXX XXXX XXXX for my defaulted business credit card ending in XXXX XXXX XXXX XXXX ) stating that the bank exercised their " right of offset '' by charging my USBank personal banking account ending in XXXX, for {$900.00} on XXXX and that they would not be responsible for any overdrafts that might occur due to this offset. This action put me into overdraft and has caused me financial distress, I'm a stay at home mom and am not employed. I called the above number and spoke with XXXX XXXX XXXX, and then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX today ) to be refunded the money. I told them that it is in violation of the Federal Law 1026.12 ( c ) ( 3 ) ( ii ) ( B ) Federal Reserve Board Regulation Z, Section 226.12 ( d ), which prohibits financial institutions from applying " right of offset '' to credit card debit. They said it doesn't matter because it was part of the cardmember agreement to let them have the " right of offset. '' They said they would put in my request but that they normally only refund 25 % of the amount, and they send it in a check form which does nothing for my overdrafted account today. It is very frustrating to feel like there is no recourse for their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I opened a checking and savings account at US Bank and during the process I was asked if I wanted a credit card, I stated NO. About 10 days later I get a letter stating my credit card request was not approved due to lacking a identifiable signature. I called the number listed for the fraud dept and went through their questioning then asked for the submitted information and they refused unless I sent them a notarized letter requesting same or go to my local law enforcement and have them fax the request on dept letterhead. They never once mentioned going to the local branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 976XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am writing to file an informal complaint against U.S. Bank regarding their denial of my claim for XXXX charges. I am seeking your assistance in resolving this matter. I recently encountered an issue with U.S. Bank and XXXX. I made several purchases through XXXX, expecting to receive the merchandise in a timely manner. My order was shipped to the wrong address.. However, XXXX failed to refund the payment to my debit card within the specified timeframe. Upon realizing this, I promptly reached out to U.S. Bank to dispute these charges. They provided me with documentation to fill out, which I completed diligently. I had a phone call with a dispute account representative where I provided detailed information about the purchases made through XXXX. Despite submitting all the necessary information and documentation, U.S. Bank denied my claim. Not only did they reject my claim, but they are also recharging me for the transactions related to XXXX. To make matters worse, U.S. Bank has closed my banking account without any prior notice or explanation. This situation has left me deeply concerned and feeling unfairly treated. As a loyal customer, I have relied on U.S. Bank to protect my interests and handle disputes impartially. However, their actions in denying my claim, recharging me, and closing my banking account without any valid justification have left me feeling frustrated and helpless. I kindly request your intervention in resolving this matter. I believe that U.S. Bank should reconsider their decision to deny my claim, refund the charges relating to XXXX, and provide an explanation for the closure of my banking account. Thank you for your attention to this complaint. I look forward to your prompt response and a resolution to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, I opened Business-Checking account in USbank with XXXX XXXX check from my customer around XX/XX/XXXX and that check is cleared and still on my account, after XXXX week later I deposit my USbank account another check from my other personal checking bank account but forgot to transfer money from my saving account to my checking account and my second check returned after that USbank close my account and doesn't give me my fund since 3 months. The bank policy show that that they should pay me my money back in any USbank branch with my ID. In that USbank branch everybody says different things to get my money back or they like to play with my money. I got email today that they want to talk or meet with my first check maker. That check is cleared since almost 4 months and " Once a check is cleared, the payer can't reverse it and get their money back. What should I do now? Thank you. Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Re : Discrepancy in Promotional Offer and Undisclosed Fee for Business Checking Account To Whom It May Concern, I am writing to formally address a matter concerning my business checking account with US Bank, which opened on XX/XX/XXXX, under a promotional offer. The terms of the offer stated a bonus of {$750.00} upon depositing an amount of {$15000.00}. Following the guidance of a bank representative, I deposited {$14000.00} in cash to the said account. To meet the promotional offer threshold, I further transferred {$500.00} from another checking account I maintain with US Bank, bringing the total to the required {$15000.00}. It should be noted that at no point during this transaction was I informed by the banker that the funds had to be sourced as " new money '' from an external institution. My actions were predicated entirely on the instructions provided by the bank representative. Additionally, I was not apprised of a {$39.00} fee associated with depositing a significant sum of cash- '' Analysis Service Charge on XX/XX/XXXX ''. I only became aware of this charge subsequently and brought it to the bank 's attention, leading to its reversal on XX/XX/XXXX. On XX/XX/XXXX, US Bank credited my business checking account with a bonus of {$500.00}, an amount that is {$250.00} less than the promised sum under the promotional offer. The discrepancy was not immediately apparent and was only discovered approximately a month later. I have engaged in multiple discussions over the past 6 weeks with the bank to seek rectification. Each time, I have been reassured that the matter was approved and that the outstanding {$250.00} would be credited to my account by the week 's end. However, XXXX weeks have since elapsed with no resolution in sight despite my best efforts to expedite a resolution. I respectfully urge the bank to review this matter with utmost urgency and ensure that the promotional offer is honored in full, and any discrepancies are rectified. Sincerely, XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account online and it asked me to come in and verify my identity so I did in person and the teller and XXXX help me to finish setting up the account because I needed the information for a settlement that I had received from an insurance company XXXX XXXX XXXX company Settlement for my items that were damaged in the storage due to water leaking through the roof. The manager provided me with the deposit information which I provided to the insurance company who then a few days later deposited my settlement {$2000.00} into my account through direct ACH deposit. I have bills to pay so I went into the branch and took out XXXX in cash and then I tried to access my account online and it was showing an error so I went back into the branch XXXX days later and they told me that they had closed my account and that I couldnt access the money and they would not give me the balance of my funds in the account And gave me no explanation. They asked me to verify my phone number. They asked me to verify where the 2000 came from and I showed them the email and information that was sent by the insurance company they treated me very poorly.. us bank XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This situation began in XXXX when I was living in the XXXX XXXX. My parents in the XXXX XXXX received a call from Elan Financial Services claiming I owed a debt. I contacted them, and after a very frustrating call in which I explained I did not have an account with them and wasn't in the country- so could not legally have been given any XXXX debt, I formally requested proof of the debt including signed contracts, original amount of debt, any payments made and interest and other charges. I never received any information from them. A year later my parents received a letter, I went through the same process, but no proof of debt was provided. The debt has moved from Elan to various collectors, the most recent being US Bank National Association ND and now XXXX XXXX XXXX XXXX. Each time I request proof of the debt, I don't receive any. And usually the debt gets sold to another collector. What can be done about this? Can random companies continue to profit from selling fraudulent debt claims- when they realise they are uncollectible and can not result in profit to them? Is there any recourse for me, having to go through this situation over and over again?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XXXX To Whom it may Concern : I purchased a prepaid {$500.00} XXXX from XXXX XXXX. I purchased it for security while traveling. Half way through my trip to California, the card was shut off. I called the number on the back of the card XXXX. ( U.S. Bank National Association ). They confirmed there was still {$260.00} on the card. They told me the card was shut off for fraudulent activity. I asked why. They cited the last purchase I made at a gas station. I told them I made that purchase. They said once it is flagged for fraud it has to be replaced. They asked me to send a copy of the front and back of the card and my drivers license. They said a replacement card would be sent within 3 days. I did that on XX/XX/. A couple of weeks later I called to check on the status. They said the fax I sent was unreadable. They told me to enlarge the card and my DL by 100 % and try again. I did that. After another week, still no card. I called them again and the fax was still unreadable. I sent the exact same fax to my home and it is perfectly readable. I told them I need another method to send them the documents. They told me I could upload the documents on their web-site which I found after hanging up with the associate, to be untrue. The website directs me to call. I called back and the circle began again. I called this past Monday ( XX/XX/ ). I was told to lighten the fax and try it again and call back on Wednesday to verify they received it. I called back today and they still claim it is unreadable and refuse to give me any other option to send the documents. This card is issued by U.S. Bank National Association which is owned by U.S. Bancorp. I called them and they said they couldnt help me because there was no way for them to look the card up. If this isnt bank fraud, I dont know what is. It is unbelievable that this company does not have email to send documents to. It is unbelievable that a multi billion dollar corporation uses a fax machine as their only form of communication to its customers. What course of action can we take to recover the money that is owed to us? Sincerely, XXXX XXXX XXXX XXXX
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: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A