Date Received: 2023-10-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: XX/XX/2023, U.S. Bank denied my application for mortgage due to information in a ( n ) consumer report which directly violates the Gramm- Leach- Bliley Act about privacy of information. Also Securities Fraud has been committed by the application being evidence of indebtedness concerning such underlying asset, also Breach of Contract which involved Signature of agreement between both parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a {$15000.00} check into my savings account from my car insurance as a result of a crash the bank put a seven day hold on it. I requested that they released the hold and produced documentation showing the check was legitimate from an insurance company as result of a crash was told the check would be released within 24 hours. The check was not released for nearly 128 hours after being told to check would be released in 24 hours. This unreasonable resulted in excessive fees for a rental car and loss of a car we are attempting to purchase. The bank gave me multiple reasons stating that the check was a bad check on the insurance company that the insurance company had a tendency to cancel checks and then they told me that I forged the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37055
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The card opened without my knowledge I spoke with US Bank still noot removed phone XXXX. I want to delete immediately.Re Account name US BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Applied for XXXX credit cards with XXXX XXXX received a denial based on information in a consumer report which violates Federal Equal Opportunity Act ( Regulation B ) and XXXX XXXX- XXXX XXXX. Principal received no benefit of the collateral security ( Application ) by withholding such principal securities, which is Breach of Contract by company not upholding their fiduciary duty and obligation to the Principal and contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I went to open a new bank account at US BANK and was informed I had a checking account charged off account with outstanding balance on XX/XX/2020. I closed this checking account they are referencing in XX/XX/2020 before I moved out of state. I asked for proof of charge off debt and account information from the bank and never received it. it is hurting my credit because they have placed me on XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I was a victim of a fraud scam on XXXX for concert tickets and a fraudulent XXXX transaction. The XXXX XXXX was made on a friends XXXX page ( XXXX ) that the involved parties know personally. The XXXX account the money went to for concert tickets matched the same name of the friend we thought we were talking to. We were under the impression that we were corresponding with our friend as well as her correct XXXX account, as the names matched. We sent the payment of {$1200.00} for the 4 tickets and shortly after we were made aware that this friends XXXX page had been hacked and there were no concert tickets being sold. I feel that the bank should offer more protection with transactions because how was I able to know I am not sending to the correct person when the name of the XXXX account was registered to the same name as my friend I thought I was corresponding with. We never received any tickets, or any money back from the person who hacked my friend XXXX and scammed me and possibly others. My bank, US Bank, denied my fraud claim. I have filed an appeal and am awaiting a response. They have not asked for any evidence that I could absolutely provide to help the investigation and prove this was fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a US bank account with a checking promotion to receive {$500.00}. There were certain criteria, like setting up online banking, & qualifying deposits, plus account cant be negative balance for transfer to take place. Ive met all of these requirements, but have been overdrawn a few times. I wasnt aware that being overdrawn would void the promotion, and when opening my account I asked this question. I was told rest assured, that once the account is no longer in a negative balance, the promotion can then be applied. I called to check on this status XX/XX/XXXX, & was told a ticket was submitted to resolve this. I called back today, XX/XX/XXXX, & was told that I wasnt able to receive the promotion due to being overdrawn on XX/XX/XXXX. The terms on this promotion are not clear, & no where does it state that an overdrawn balance will void the offer, just the following : Your checking bonus ( " adjusted interest '' ) will be credited to your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. There have been many days where my account has a positive balance, after meeting the requirements of this promotion, and should not be penalized for this. I would also like to share that several family members and friends of mine whove opened an account with US bank for a promotion, have also been denied. Including my grandpas, and members of my church. All have filed formal complaints here, & theyre always denied. US bank should not be allowed to openly advertise these promotions, & find any loophole they can, legal or not, to deny their customers this bonus. If you cant resolve this and apply it to my account, I sincerely hope you fine this bank and donate that money to a charity or organization that desperately needs it. We the tax payers have bailed out the banks numerous times, & for them to continue to treat us this way is beyond immoral and sickening. Thank you for any help you can provide, & not letting this happen to others.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been issued a new card from US Bank with a credit limit of {$5000.00} and attempted to make a purchase of {$1300.00} ( XXXX ). The request was declined, followed by a call from their fraud detection services. I then spoke with the manager, verifying my account information, that the purchase was indeed legit and wanted it to be approved. She told me that the block was removed, and I would be able to make the transaction, but that was not the case and it was declined again. I then reached out to their card services multiple times this day, XXXX, to resolve the issue, but it was unsuccessful. Every time during the call, they went through a lengthy authentication procedure, only to pass the call to someone else and do the same. I have spent the entire afternoon on the phone, with little progress. Ultimately, my card was entirely blocked, and only was able to be unblocked by visiting a local branch with my ID. I have done that the next day ( today ), and they indeed removed the block. However, they informed me that I will encounter the same problem by making large purchases in the future, without telling me what the trigger to such block is. During the same day, I attempted a purchase of {$1300.00} once again, and indeed the card was blocked again.
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: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: In regard to the us bank focus cards for XXXX XXXX XXXX XXXX : US Bank Executive, XXXX XXXX, is new on the Advisory Board for of XXXX XXXX XXXX XXXX, and now over 100,000 Florida families are blocked from accessing our XXXX XXXX XXXX funds without utilizing a US Bank issued and controlled card. Furthermore, there are no US Bank branches in the entire State of Florida, instead, we are directed to make cash withdrawals from XXXX ATMs, for our childrens educational reimbursements. We are also being coerced into opening up a US Bank account. They are claiming that the US PATRIOT ACT requires certain documentation to comply with the banks request. Additionally, we have been lied to about fees associated with the card & how to access it, such as XXXX XXXX XXXXXXXX, bank transfer, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: US Bank Executive, XXXX XXXX, is on the XXXX XXXX ( and has been for several years prior to these cards ) for Step Up for Students. Now, over XXXX Florida families are being blocked from utilizing our childrens educational scholarship funds without utilizing a US Bank issued and controlled card. This card deal was made to replace the already existing system of Step Up for Students gathering families bank information, and directly depositing funds into their accounts. Now, we are being coerced into opening a US Bank account, fees and all, on a scholarship that by FL law should not have fees attached. There are no physical branches in the state of FL, no way to electronically send funds from this card to our accounts. Instead, we must now bank at XXXX across the state. With the added information of being required to fax and mail in our XXXX and XXXX, this is a recipe for disaster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A