Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: US Bank Executive, XXXX XXXX, is new on the Advisory Board for of Step Up for Students, and now over XXXX Florida families are blocked from accessing our childrens state educational scholarship funds without utilizing a US Bank issued and controlled card. These funds are provided by the state of Florida and managed by Step Up for Students. There are no US Bank branches in the entire State of XXXX instead, parents are being directed make cash withdrawals from XXXX ATMs for our childrens educational reimbursements. We are also being coerced into opening up a US Bank accounts. They are claiming that the XXXX XXXX XXXX requires certain documentation to comply with the banks request. I do not want to give US Bank my social security number, or my childs, in order to receive scholarship reimbursements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/, a replacement cell phone claim was filed with XXXX. XXXX failed to process the claim in a timely manner per their contract, causing undue delay and costs to our business when the replacement phone arrived five days later. I filed a claim with Elon financial to dispute the {$99.00} charge associated with the service. Elan financial denied the claim on the basis that I received the replacement cell phone. The basis, for the dispute was never that I did not receive the services. The basis for the dispute was that the products and services were not processed in a timely fashion according to the contract provided by XXXX. I requested an updated letter from Elan financial that corrected their mistake and correctly identified the basis for the claim. They refuse to provide the corrected letter. Elon financial also provided the documentation by the vendor ( Asurion ) in which their own contract guaranteed the replacement of the phone within XXXX hours. On several calls with Elan financial dispute resolution claim department, the contractual obligation in the documentation provided by XXXX was reviewed, and these facts in the legal docs were pointed out to them, but they still refused to enforce their terms of conditions - specifically use of the credit card ensures that the user will be guaranteed that the vendors will charge a fee only if and when they abide by the terms of their contract. In this case, XXXX failed to do that, and Elan financial refused to provide the corrected letter, describing the basis for the refusal. They also refused to honor their assurances and guarantees two card holders that they would receive services and products as described.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. - I had a screenshot when this was submitted and their system had incorrectly shown that I applied on XX/XX/XXXX - that's their IT problem. And before it expired they webpage took my promo code without a problem and it was showing that I would earn those {$400.00} by meeting the terms which I did. I had called the bankers a few times and they acknowledged that I applied on XX/XX/XXXX but it was then approved on XX/XX/XXXX giving them the reason to decline. I disagreed with that statement as the terms said " opening a new business checking account '' meaning to initiate the application. They also stated that I did not meat the " five qualifying transactions within 60 days of account opening '' where I did have five qualifying transactions. Their bankers however, did say that I met the qualifying transactions. All terms were met and it really shouldn't be this hard to get {$400.00} as initially promised. I really don't want to get to a route that I would need to go to a small claim court in order to get this {$400.00}. It is just not professional to allure new customers with bonuses that they won't offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I was refused service to refinance a personal loan by USBANK during a recent telephone call without reason on XX/XX/XXXX. The representative took my demographic information and asked for the last four of my social security and made me verify my loan number as well, after reviewing my loan information the representative asked me what are my credit scores? to go over current refi rates, after a few moments i was asked to go to a branch to submit a application, am i not allowed to apply over the phone the representative stated that i was not allowed. USBANK is in clear violation of 15 usc 1691 ( a ) ( 1 ) ( 2 ) The Arkansas Civil Rights Act of 1993 16-123-107 - Discrimination ( 4 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a US Bank XXXX XXXX XXXX XXXX card, which advertised {$500.00} in cash back after spending {$4500.00} in 6 months. I met the spend requirements in XX/XX/2023. However, I never received the cash back. I asked US Bank about this, and they said they needed 30 days to look into this. The 30 days passed, and still no cash back in my credit card account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am filing a claim against the response to claim number XXXX. The report stated this was an authorized transaction. ( {$11000.00} was transferred by someone other than me to a bogus account opened in my name at XXXX XXXX XXXX on XX/XX/2023 ). This transaction was not authorized by me, which I reported to US Bank Fraud Department on XX/XX/2023. As instructed, I reported this to local police department in XXXX, XXXX. The report was filed at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY, XXXX XXXX XXXX, XXXX, WY XXXX. The Report Number is # XXXX. ( I have requested a copy of this report. ) According to regulation XXXX banks are required to make the client whole if their money was stolen through an electronic payment initiated by another person. Further CFPB issued guidelines stating the law protected person to person on-line transactions. CFPB clarified all unauthorized on-line money transfers ( payment by someone else ) is the bank 's liability. This account was closed by me to avoid additional unauthorized transferson XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Over XXXX Florida families that have scholarships for unique abilities managed by XXXX XXXX for Students, are blocked from accessing our children 's educational funds without using a US Bank issued & controlled card. XXXX XXXX who is a US Bank Executive is new to the Advisory Board of XXXX XXXX for Students. Also, there are no US Bank branches in Florida so we are being instructed to make cash withdrawals from the card using ATM 's, which does not feel safe.
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: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have written or faxed four ( 4! ) times Elan Financial Services, operator of the XXXX credit card offered by Fidelity Brokerage about a disputed charge. This disputed charge was trans ref no XXXX, transacted XX/XX/2023 by a company identiied as XXXX XXXXXXXX for {$26.00}. Elan completely ignores these four communications with them. I will attach some of them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: I did complain to US Bank via XXXX file # XXXX I did complain on why US Bank failed to disclose that they are charging to remove escrow and as of today all they have responded is copy of the recorded note with deed of trust. The person at US Bank didn't even want to mention his last name and contact number on cover letter. He only signed his name is XXXX XXXX- I have tried number of times contacting them and all they are telling me is that if I pay 0.025 % point on balance of my loan they will remove escrow. All I want to see is a signed disclosure by me agreeing to this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Dispute XXXX. Fraud purchase was reported to Union Bank Credit card day of transaction. I was informed it could not be canceled till it processed. All forms were completed and returned to Union Bank to resolve dispute. Union Bank merged transferred to USBank. I was waiting for the information to be resolved by union bank and then Us bank did not have any of the information and information had to be provided to us bank. I have called several times and us bank says information is not in system. I was referred to Office of president. And after having been transferred to three case processors since XX/XX/2023. I have not received any written communication. I have had to call them over and over. Finally a person gave me the number of office the president so I could call in. It took a long time to get the office of president number XXXX. I was finally assigned a man named XXXX XXXX. He called my voicemail and left me a message that my case could not be resolved. However, I was speaking to a case processor at the same time and who assigned to my dispute. She did not have the paperwork and admitted to not calling or researching the parties involved in my dispute. I called back Office of President XXXX XXXX and listened to him tell me my timeline ran out. My husband and I asked him a few questions and he did not have a response so I do not understand how he responded on the voicemail they way he did. XXXX said he would call me back after 2 hours and he did not. I had to call him 3 days later. Then XXXX said he was looking into it. I had to wait tillXXXX after I called to be told that he could not help me. XXXX responded Im sorry I cant do anything for you. I asked to speak to his supervisor and he stated there was no one else higher than him to speak with. I firmly believe USBank is wronging me, because their transition processes, electronic platforms, and support staff were not in place to support these type of customer transactions. USBank should be accountable for their behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A