Date Received: 2023-10-16
Issue: Problem with customer service
Subissue:
Consumer Complaint: Please reference the previous Complaints in regards to my purchase from UBank where I initially purchased the {$13000.00} Cashiers check is not my first purchase in this said Bank. This is the very first time I ever had this problem. I have received the response from USBank and I disagree with what is stated from the very onset of the Cashiers Check that I personally went back to US Bank the same day when I was notified I was given the wrong account information to make that deposit on my behalf was not my fault. I went to XXXXXXXX XXXX first on the same day XXXX XX/XX/XXXX who advise me to go back to USBank so they could start the process to getting my {$13000.00} back which was disclosed to me at XXXXXXXX XXXX my money was now in another XXXX XXXX XXXX on a hold Freeze. I go to USBank and I saw a white make at the counter explained what happened sams day on XX/XX/XXXX got up from behind the counter to get paper work he state so they could start the process. Thats when a XXXX heavy set female stopped the young man Customer Service XXXX and said were not doing that. She pointed out to me she was the one who signed and authorized that Cashiers Check on that same day XX/XX/XXXX and let me make my self clear I never told her it was Fraud so I have no idea where you got that from because I made sure I had a witness with me every time I came to the Bank. That Manager said it was Fraud and she for the life of me is gon na tell me what I know was an innocent mistake on my part was according to the FDCPA was to deny me any type of assistance when I went over her head and spoke to XXXX Supervisors at US Bank went back to that same Bank and the lack of respect she had told me she did not care who told you she continued to deny me Service. She also told me US Bank has no escalation department but I spoke to a female and my call was transferred to her from Customer Service I believe her name was XXXX or XXXX because that same XXXX heavy set XXXX told me to come back in 90 days and then they could start the process to retract the payment. I did that only to now get a White Female XXXX and she tells me and my witness to go to the XXXX Police Department in XXXX XXXX to The XXXX XXXX XXXX XXXX and Im so sorry but that female Sergeant wanted to know why they had me come there cleary she stated was no criminal crime committed and the Bank just need to do their job is exactly what she said. I disagree with USBank negligence in the way my situation was handled also the XXXX female XXXX stated after USBank stated to close my Bank Account on the same week that because I was no longer a USBank customer she really couldnt help me because she couldnt see into the account. Well this is the fact I came into USBank on XX/XX/XXXX when it first happened. USBank final close of my Bank account was on XX/XX/XXXX was enough time to have helped me with my situation. I also want to make mention in the last Complaint I filed in regards to XXXXXXXX XXXX XXXX states if USBank would contact them they could start the process in getting the funds back to XXXX XXXX XXXX. Please reference XXXXXXXX XXXX response to USBank. I did everything these people asked me to do at USBank and I was tossed around like a yo yo practically at the USBank every other day being by USBank from those I spoke to to go back to the USBank tell whoever is there to Retract the payment and in most cases it was the XXXX Female XXXX who said no. She said it was XXXX not me. I never told her that. She assumed that. Also I do want to point out I have purchased Cashiers checks and never once was the money made available same day and when I deposited the Cashiers check into XXXX Bank on XXXX XX/XX/XXXX the Receipt did not match with what the XXXX stated she did on XXXX XX/XX/XXXX she was the one who made the money available the same day but XXXX Banks XXXX says the Money would be made available on XXXX XX/XX/XXXX with a XXXX day Hold. So Im a XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So I cant believe what I went through in regards to what I experienced but again according to the FDCPA I was no way treated like the XXXX I should have been at USBank was horrible and a disgrace. There is a procedure to Retract a Cashiers Check and why I was denied service on the same day notified of a error all I want is to get the {$13000.00} back that XXXX XXXX has verified is still sitting in their Bank and it never left XXXX XXXX. Respectfully submitted, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received XXXX pay in XX/XX/XXXX. They issue you US Bank Reliacards. I had my card hacked in XXXX XX/XX/XXXX. Over XXXX was taken off my card for internet international purchases I did not do. I called and reported it to the fraud department. I sent them the bank statements and highlighted all the purchases I did not do they investigated it and said they found no fraud so I spent 3 days calling XXXX merchants and they said they never received paperwork from the bank stating there was a fraud charge. So I called the fraud department back and they reopened my case but they did nothing about it they sent me a XXXX payment in XXXX of XXXX and then one in XX/XX/XXXX and in XX/XX/XXXX they retracted it off my card but they didn't take the XXXX payment back. Now all the charges repeat there selves month to month if one month charges is legit, wouldn't the same repeat charges be valid also. I need my money please help I don't know what to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I initiated a fraud claim against my debit card which I won 95 % of only one was I declined yet the bank withdrew my ability to access my funds for some 60 days now and it's still not dispersed my money and has told me that basically they can hold it as long as they feel like it until they're ready
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/ a check was issued to me for a fraud claim denied in error for the amount {$320.00}. I received the check and I intended to deposit it on my current Bank Account ( XXXX XXXX ). It turns out this check had both of us names on it and Bank wont accept the deposit. It looks like the claim dated back when I had the other checking account number ending on XXXX had my husbands name on account. Then took him off later on when the account number was replaced for the one that ends on XXXX ( latest one ) I took the check to the branch, as adviced, and because I had already written on the back For XXXX Deposit Only they wont accept it either. Ive been on the phone 7 times and from time to time I keep getting thrown around from department to department with no resolution. Im tired of hear - we gon na request the back office to issue a new check or - we gon na call you back. I would like to request a check re-issue and if its possible under my name only. Im attaching letter and check copies.
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: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: At XXXX XXXX XXXX XXXX of XX/XX/XXXX the bank moved money from my savings account and then, within minutes, allowed someone to then move {$4900.00} from my checking account to be deposited in an unknown account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in Washington State. When I contacted my local branch of US Bank later that morning, they said the transfer had gone through and there was nothing they could do. I made a police report. I wrote a four page letter outlining the entire situation and requested a unredacted copy of the documents upon which they relied to deny. It took well over two months and three phone calls to get that information. I received it today and the typing was so small even a magnifying glass could not allow me to read it. They stated in their letter that I must have participated in this because I gave out my password and answers to a security question. Of course, that entire section was redacted and of no help to me. I do not know what further I can do as an individual and thus I am filing this complaint with your Bureau.
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: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought XXXX US Bank Visa Debit Gift Cards at my local grocery store. The amounts of each card were {$490.00}, {$450.00}, {$500.00}, {$500.00}, and {$500.00}. Since the purchase of these XXXX cards I was unable to make any purchases. I called the help number on the back of the cards many times to troubleshoot and each time the service representative stated they could not see any attempted transactions and had no explanation for why my cards would not work. They would confirm that the appropriate amount was still on each card each time I called. Eventually, it was evident that the cards would not work and that XXXX was unable to make them work. They offered to replace the XXXX cards through the mail. The service representative filed the appropriate paperwork to have replacement cards mailed to me. They stated that my original XXXX cards would be disabled at the time of this phone call and would not longer work. I was not offered any tracking number and their was no security on the XXXX replacement cards being mailed through the mail. Essentially, US Bank mailed me ~ {$2500.00} of cash through the mail with no security or tracking number. When the cards arrived I called the number to activate them and set a pin number. XXXX of the XXXX cards had the correct amount ( {$490.00} and {$450.00} ). However, the remaining XXXX cards had the wrong amounts ( {$50.00}, {$200.00}, and {$200.00} ). All three of these cards should have {$500.00} on them. I called the number on the back and was informed that the original cards ( which were not supposed to be active anymore ) had a charge to an unknown account in Washington ( I live in Colorado and have not traveled to Washington ). I was told I would have to file a transaction dispute for all three cards to get my money back. The service representative stated she would do this for me but that I would have to provide a written statement and photos of original receipts and of the original gift cards. She stated I could do this through the online website, through fax or through the mail. I informed the service representative that I was unable to log into the online website with my cards and she stated I would then need to fax the information to them. I asked if they had an email address to facilitate this or if they could help me log into my account. They stated they could not and that I would need to fax them. They also stated that the dispute would take up to 90 days to process. US Bank has defrauded me of {$1000.00} dollars in replacing my gift cards and has only offered me a 90 day dispute claim that can only be processed through fax. I would like an email address to help resolve this issue as fast as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80403
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: 2023-10-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have made regular payments on my credit cards over the past 3 months. As of today XX/XX/XXXX my payments have still not been reported to either 3 credit bureaus to reflect the new balance owed. I am aware an update can take up to 30-60 days. As of today, for the past 3 MONTHS, my credit report has not reflected payments made thereby reducing the balance owed & reporting no payment in 3 MONTHS!!!!!. There has not been an update to 3 of my credit cards ( PLEASE CONTACT ME FOR ALL 3 CREDITORS ) BUT XXXX is one, with a correct balance reflecting payments received. I have reached out to the companies & filed a dispute with the credit bureau only to receive a response, from the credit card company saying the information is correct!!!! UNBELIEVABLE!!!!!! THIS IS ABSOLUTELY NOT TRUE. I can provide payment history and confirmation numbers of payments submitted regularly with no reduction seen in my reported balance in 3 MONTHS. I recently filed a complaint due to " Erroneous '' reporting against one of these creditors. This company did nothing more than remove the " X '' marked against my account ONLY after I filed a complaint but never updated the account to reflect payments RECEIVED which would show my " correct '' balance. Hence each of the 3 companies continues to maintain my balance at the same amount it was 3 MONTHS AGO, since XXXX!!!!! I am asking that an investigation be completed by the 3 credit bureaus to include proof of payments RECEIVED and verify the balance reported BEFORE OR AS OF XX/XX/XXXX to illustrate my new balance had not been reported and updated accordingly. In fact, as of XX/XX/XXXX MY CREDIT SCORE DROPPED AN additional " XXXX XXXX '' even though I continue to honor my agreements with monthly payments, even above the minimum amount due. I should not have to wait 3 months to have my balances updated to reflect payments made AND REPORTED TO ALL 3 CREDIT BUREAUS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I created an account at USBank for my business. I chose this business because it had a {$600.00} bonus for opening an account. I got everything set up online and it was good to go, the only thing left was making a {$200.00} deposit to open the account. I made the deposit of {$200.00} on XX/XX/23, and make the necessary deposits of {$5000.00} within 30 days, which was held for 60 days. At the beginning, I got a call from XXXX XXXX at XXXX XXXX, saying the promo code I used wasn't correct, but he would fix it and I would be good to go. The new code that he was going to apply was only going to give me {$500.00} instead of {$600.00}. I was annoyed, but didn't fight it because I simply had too much going on to fight it. After the 60 days, I still didn't get the bonus. I called the XXXX number, she looked and verified that I did meet the requirements and said to give it another couple of weeks to let it post. It didn't. I called again. They said they would submit it to their research team and get back to me within 5 or 6 days. Never received a call. I called again and talked to XXXX, she transferred me over to XXXX. He said he would look into it. That day, I saw an ad for an {$800.00} bonus for a {$25000.00} deposit. I have more than enough funds, so when he contacted me I said I would just do that bonus since they were causing such a hassle that I really shouldn't have had to go through. This would have been a good time for him to tell me that I wouldn't qualify for it if I already had a USBank account. He didn't. Instead, I found out that day that day myself in reading the fine print. After telling him I was aware that I wouldn't qualify, he informed me that neither the code I used nor the code he applied for me was valid. He instructed me to call the XXXX number again. I called the XXXX number again. She said she would contact the promo team and call me back in about an hour. She never called. I have remained cordial despite the run around. Had I just been told it wasn't valid from the beginning, when I should have been told, I would have just gone with a different bank that was offering a bonus. I was told it would be taken care of and a different code would be applied, which I would assume XXXX would be responsible for fulfilling rather than passing it off to an XXXX number that never actually calls back. The way USBank has been represented is beyond frustrating, and honestly completely shade. I've been a business owner, it's important to be honest and straightforward with your clients, fulfill your promises, and don't keep pushing them off in hopes that they will give up. I don't know if this is a normal practice, and a bank in trouble is just trying to get cash deposited without ever actually intending to give the bonus? Or they just make their clients spend hours trying to get the money they are owed, when most would probably give up. Incredibly disappointed, this is too big of a bank to be doing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98513
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened my US Bank checking account on XX/XX/23 using US Bank 's checking account bonus promo code ( XXXX ). The promotion stated that when you have made direct deposits totaling {$6000.00} or more within 90 days of opening the account, the account holder will receive a {$400.00} checking account bonus. I met the requirements by XX/XX/23, but as of XX/XX/23, I have not yet received the checking account bonus. I called the US Bank customer service representative today who said that she was unfamiliar with a checking account bonus and proceeded to transfer me to a closed department. This experience has left me feeling frustrated and concerned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I asked and sent letters to XXXX about an account that was open under my name and they failed to remove the account and late payments being reported
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A