Date Received: 2023-10-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023 using the " XXXX '' Promotional bonus link I opened the Checking account ending with XXXX. Initially I got a response that " We're reviewing your application '' which was received in email also. Next day, I got an approval email with the account details. Since I already having a credit card account, I am able to enroll the online banking immediately with the same credentials. Promotion details : Enroll in online banking Complete two or more direct deposits of {$5000.00} or more within 90 days of account opening and complete 10 or more debit card purchases totaling at least {$100.00} to earn a {$300.00} bonus. Availability : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or nationwide for those who already have a relationship with U.S. Bank ). Expiration : XX/XX/2023. As per the promotion terms, I have completed 10 debit card purchases totaling more than {$100.00} and XXXX Direct deposits from my employer totalling {$5000.00}. On XXXXXX/XX/2023phone customer support confirmed that promotion eligibility was met and bonus would be posted by XXXXXX/XX/2023. I waited till XXXXXX/XX/2023 and followed up on XXXXXX/XX/2023, XXXX raised an internal ticket for the same stating that promotion code is attached and all the conditions are met. On XX/XX/XXXX, XXXX confirmed the ticket was opened on XXXX and status is still in progress. I have followed and met all the promotion eligibility conditions, however bank is refusing to pay the bonus amount {$300.00} citing the reason that account was " XXXX opened '' on XXXXXX/XX/2023which lies outside the promotion window. It is a bait and switch scam by advertising nice bonus and delaying the account opening in their back end to deny the bonus. There was nothing done from my end related to account opening on XXXX, all the details are submitted truly and completely on XXXX the last date of promotion. Hence the promotion code was attached to the account by their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XXXX - Attempted to locate my current APR but was unable to on the US Bank customer portal. Reviewed my most recent statement to see XXXX different rates listed. Contacted customer service to get the accurate APR rate and have the inaccurate rates removed. I was initially informed to review my statement for this information. I informed the representative of the confusing information to which the response was similar to " well, that's where you find your rate. '' I asked to speak to a supervisor. I was transferred to the supervisor who informed the XXXX of the APR rates were for previous balances from previous years. I asked how I was to interpret that with the limited information provided, to which I received a response similar to " oh, I can see how you would be confused. I was also informed that there is no way to remove the inaccurate APR rates. To tell a customer to review the statement for the XXXX only to find it is very confusing to determine which is the correct rate is very dishonest and misleading.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter that my credit card was closed effective immediately on XX/XX/. Subsequently, I received letters that my 2 checking and 2 savings accounts will also be closed effective XX/XX/XXXX on XX/XX/. I went into a branch and they said that they did not see any suspicious activity or reason why the accounts would be closed. When I called the number on the letters, they also said that there was no reason listed. This impacts my available credit significantly, and I have no derogatory marks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a current complaint XXXX pending their review. The company only sent {$400.00} as a credit. The past weekend I was out town with my son and had some deposits and holds. I specifically when getting the account did not get any over draft protection, if the funds are not available nothing should be charged or removed from my account. I attempting to contact them and they disconnected the chat. After telling the hotel places a hold on my account an excuse causing the negative. The funds should not been excepted if was not there and every transaction they send me an alert and deducted and I move funds around to make sure that amount is available. Now that the gave me something this more fraudulent attempt to take it back through fees. Why give offers if theyre going to be a con about it. I made account positive when the call dropped and reported to you. Because this is a game to them and this is personal to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/23 at my restaurant my employee keyed in a transaction for XXXX in error. The correct amount was supposed to be for XXXX plus tip. The transaction was processed and the cardholder was assessed the charge for XXXX. The cardholder then disputed the transaction and was awarded the refund. The problem is the transaction fees that were paid to Elavon were not returned the the merchant ( XXXX XXXX XXXX of XXXX XXXX ) the fees totaled XXXX dollars for the month and shouldve been around XXXX dollars. When he reached out to Elavon they said they couldnt give him a refund because the money was already sent to visa and they would not be able to dispute despite the amount they were charged being incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I was told by US Bank XXXX that I qualify for early lease turn in, XXXX. I called and spoke to a person at the US Bank XXXX XXXX department. He went over that I qualified for the early lease turn in. The agreement that the vehicle would be picked up at my residence, the remaining lease payments would be waived, and I would receive XXXX payments within 60 days after the vehicle was taken. I thought about it and called back the beginning of XXXX and agreed to this. I asked if I would be charged a payment once I agreed and they said no. I asked several times if I would be charged and he said no. I made Auto payments for almost 3 years and the auto pay can not be turned off online by me, so the person I asked would have had to turn it off. The auction company called and told me a person would be calling me to pick up the vehicle at my house. XXXX at XXXX XXXX called and we set it up for pick up and I told him I would meet at XXXX so it would be easier for them to load the car. After XXXX cancelations on their end, a driver called on the XXXX of XXXX and I met him at XXXX. I saw on my banking statement on the XXXX of XXXX, US Bank charged me. I was not expecting that since I already purchased another vehicle, still had insurance on the truck even after it was picked up. I called US bank back asking for the refund on that payment. They said that was unfortunate, but I would have to wait 60 days. I stated I though that was 60 days for the XXXX payments, but I was not expecting the XXXX. I called back a total of XXXX more times and on Friday the XXXX I spoke with someone, and they put me through to a manager. Her name was XXXX and she said she was escalating this, and she agreed I should get that payment sooner. She said the service person reading me the agreement should have turned off the auto pay on their end. She said she was going to submit the ticket and call me back Monday. She also said if I didn't get it resolved on US Banks end to dispute with my bank. No call on Monday, but I called back on Tuesday XX/XX/XXXX and the person who I spoke with read notes that I was XXXX receive XXXX payments in 60 days after the sale of the truck at auction. She never said anything about what XXXX said and also said she never heard of this person. I went ahead and disputed with XXXX ( my bank ). I feel this has been happening a lot with US Bank XXXX and after reading reviews from other people, US bank should be accountable. I've made auto payments for almost 3 years ; I was never late. They made money off me and sold the truck for a profit. If I was late, I would have had to pay late charges and interest. I feel they made an offer for the early lease turn in, they should abide as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have noticed a number of accounts being opened without my knowledge and I need to report the fraud. The accounts were opened through US BANK, XXXX XXXX, and XXXX XXXX XXXX. The large amount of hard inquiries are negatively affecting my credit report and I need to get them removed. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have a {$50000.00} CD with USBank. I telephoned USBank XXXX on two occasions to ask how I redeem my CD. I was told that my CD expired on XX/XX/XXXX and that I had a grace period to redeem beginning on XX/XX/XXXX. I was told that because I do not have a savings/checking account with USBank that they would mail me a cashier check when I called during the grace period to redeem. On XX/XX/XXXX, I received an unsolicited telephone call from USBank in Missouri from XXXX ( her number XXXX ). She asked me to roll over my CD. I told her that I was going to redeem the CD. XXXX told me that the only way I could redeem the CD was to either travel to Missouri ( I live in Arkansas ) to receive my money or to open an account with USBank. I am not able to travel to Missouri. XXXX said that USBank would NOT mail me cashiers check. I asked to speak to her supervisor, but the supervisor ( XXXX ) was not available and would return a phone call to me, of which at this time, I have not been telephoned. After speaking with XXXX, I once again called USBank at their XXXX number ( see above ). The customer service person, XXXX, told me that it was standard procedure for me to telephone the XXXX number during the grace period and a cashiers check would be mailed to me if I did not have a USBank account. I have 7 business days from today to begin a resolution on how I can get this CD redeemed. I also read the disclosure statement on the USBank webpage regarding their " Time Deposits '' ( C.D.s ) and it says that a CD may be redeemed, but it does not state how it can be redeemed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72901
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: USBank is a XXXX organization that has lied multiple times about how to lock my personal debit card I use for services such as XXXX for XXXX. What happened is I tried to remove my USBank XXXX XXXX XXXX from the online on the XXXX for XXXX website. Since I do not have another card yet to input into the system XXXX will not remove the debit card on file. I was told multiple times by USBank that by locking the debit card XXXX for work and any other transactions would be stopped. Instead USBank continued to let XXXX hit this account that had a locked debit card, then they charged be over draft fees. USBANK is a XXXX organization and will not let me control my debit card and then uses their internal system to scam me with their {$36.00} overdraft fees. The manager at the USBank branch in XXXX XXXX then retaliated after my complaint in person and then without my permission closed my other Personal Debit Card in retaliation. This has caused considerable damage and pain due to the bank 's practice of lying and scamming their customers. XXXX XXXX XXXXXXXX Please file this complaint and look at how to sue USBANK for their shady practices scamming small business owners. Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have called repeatedly about my loan payoff since XXXX. XXXX # XXXX. I got a payoff balance which I immediately paid electronically. Then sent paperwork. Received another bill, called and they said they never received my paperwork and now there was {$49.00} due. Spoke with a nice lady who told me to just email my paperwork in to expedite since there was an error. I immediately made the {$49.00} payment electronically and sent in the paperwork via email as requested. I called a week after and spoke to a woman who said the paperwork was received and I should receive my title in 2-3 weeks. My registration expires at the end of XXXX and I have an offer to sell the car and just need the title. I decided to be patient and wait the 2-3 weeks. 4 weeks later I get a bill for {$0.00} in the mail which is odd because the loan is paid off so I call and a woman puts me on hold and then disconnects me. I call back only to have someone tell me that I should have made the payment via certified check and mailed the paperwork. I said they were trying to expedite since this has been going on since XXXX. She said basically I didnt follow procedure even though I did what the previous agent told me and that my payment didnt count but they would try to make an exception but it will take 4 days and another 7-10 to mail. This means I cant sell my car by the end of XXXX. I have leased cars for years and never dealt with this level of disregard for customers. Its truly astounding that you can pay off a car in XXXX and not get sent your title for almost 3 months. Thank goodness I didnt need to sell my car right away because I would be in a really bad spot. US Bank should be ashamed of themselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19803
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A