U.S. BANCORP

2019-10-30

Hometown, IL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Albany, OR

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Simi Valley, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: A new credit card was established around the beginning of XXXX and one transaction of {$32.00} on the XXXX statement. The statement address was incorrect and no statements were received. Multiple late charges and interest amounts were assessed to the account. On XX/XX/XXXX, I was made aware of the situation and I called in and paid the {$32.00} amount that was charged. In addition, the representative in collections waived all of the late and interest charges on the account. The account was paid in full by the XX/XX/XXXX due date. On XX/XX/XXXX when the next statement closed, there was a {$29.00} late fee that was unjustly charged because the balance was paid in full. Our understanding was that the account was paid in full. The address was still not corrected. We called back on XX/XX/XXXX and spoke with XXXX at US Bank and he said that not all of the charges were waived like we thought. He said could not waive the other late fees and additional late charges, even after explaining the situation. We still haven't received a statement, but found the statement online. They are charging additional late fees without any justification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Washington, DC

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Fayetteville, AR

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Foothill Ranch, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: US Bank has Summer Checking Promo from XX/XX/XXXX to XX/XX/2019. I opened an account on XX/XX/2019. I told the Bank XXXX XXXX that helped me that I was a previous bank customer 6 months ago and I got previous bonus within that period. She told me that I still qualify for the Summer Checking promotions. I asked several times and she told me that I qualify and proceeded to open an account. I closed my other 2 accounts with the other banks so I can qualify for the amount needed to qualify for the promotions. After several months of waiting when I have not receive the bonus amount I inquired on XX/XX/2019 and I was told that it requires 2 direct deposits and the second direct deposit as the qualifying deposit. I was told to be patient for 2 more weeks. After 2 weeks nothing yet. After series of communications the XXXX XXXX of the branch where I open my account requested the corporate office to credit my account. On XX/XX/2019 I received an email from the XXXX XXXX that my account was not qualified because I have existing account already. Which was not true because I do not have existing account when I open my account. Althought I got a previous bonus within 12 months the XXXX XXXX who opened my account assured me I will get the bonus. I was honest to disclosed everything to her. I would not have open the account without her assurance. I therefore believed that the bank should honor their bank promotions by virtue of their XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Minneapolis, MN

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Memphis, TN

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: OnXX/XX/2011someone open up a fraudulent account in my name with Elan Financial service goes by Card member service. I've reach out to the company numerous time requesting for them to send me legal documentation that the account belongs to me. I also ask the company to send me proof of my driver 's license and application were I did the application. Elan financial service will not send me any proof that i open this account with them. I have sent in a police report to the creditor bureau on my behalf stating that i have been a victim of identity theft. I fell that all my rights have been taking away from me because of this matter on my credit report. please help with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Fort Russell, IL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Albuquerque, NM

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Eatonville, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Sun City, AZ

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Tarzana, CA

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: An account was opened with US bank on XX/XX/2019 without my knowledge and fraudulently opened under my name. I have tried several times to explain to US bank that i did not opened that account but US bank keep trying to collect a overdrawn charges on that account even thoe that account was closed with my complain.why should i pay for the crime that i did not commit.please help me to resolve this problem.thank u.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Chesterfield, MO

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Chicago, IL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: Yo whom it may concern Im having a financial hardship situation at this moment and my grandmother is sick and hospitalized in the hospital and need medication and a XXXX and I have to cover those expenses.due to my financial hardship situation I cant afford to pay the overdraft fee as Im struggling to pay for my grandmother medication and XXXX I would like to ask us bank to help me wave this fee as a courtesy as I cant afford to pay that fee over draft fee but I am able to deposit the negative balance amount to have my account back to current I was not aware that the person who I endorse the check would actually deposited yesterday and would cause me an overdraft fee usually when a check is deposited it takes from 1 to 3 business days to clear out but that check was endorsed since agust and just cashed out and affected me to be overdraft when Im struggling financially due to my grandmother health emergency situation. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Andover, MN

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Lancaster, NY

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

VT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Beginning of XXXX, i obtain a new home owners insurance company ( XXXX ). Current one was XXXX XXXX XXXX. XXXX XXXX XXXX refunds my payment to escrow account. USBANK sends two identical payments out for the same exact amount. Payment was sent out on the XXXX of XXXX, payment in full. USBANK repeats this draining my escrow account to an overdrawn {$98.00} escrow account. They " advance '' : me the $ XXXX So its at XXXX. On XX/XX/19 USBANK calls and a nice lady is instructing me to send the second payment back to them. Call after call im transferred, hung up on, lied to, etc ... ... .this goes on and on I am not calling them again, and am sending them an invoice for my time i have spent due to them treating customers as a " transaction ''. I wish there were a way, i would love to get even.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Phila, PA

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Colo Spgs, CO

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: This Account is relatively new. I opened a student checking account with U S Bank and everything seemed to be okay until U S Bank selected to freeze my account and Close it without my permission. This action was taken by US Bank because a check which was returned, an item i had mobile deposited into my US Bank account on XX/XX/2019. The check was for {$35.00} and drawn on XXXX XXXX XXXX. The check was issued to me by XXXX XXXX as a refunded for a lost Money Order I had misplaced several weeks prior to receiving the check. US Bank stated that the check was returned because it was Altered/Fictitious however the Bank 's position and it's accusation are indications that Bank is incompetent and has implicated me in crimes based on its own speculation. The Check which was deposited to US Bank was not altered or fabricated in anyway whatsoever. Due to banking laws US Bank can not blame XXXX XXXX for the Check being Fictitious because this would be considered Banking Defamation. Ive communicated with US Bank several times about this matter and now I am escalating it in which I will take action against each player in the events that took place. When I received the Check XXXX XXXX set me I First attempted to cash it in person at XXXX XXXX since the item is drawn on that Bank. The Banker assisting stated that she could accept and cash the check however due to a agreement between XXXX XXXX and XXXX XXXX, the check had to be deposited into a XXXX XXXX account which meant I would be required to open an account with XXXX XXXX. I declined this avenue to avoid opening a new account, and taking more of my time. The Banker returned the check to me, before I left the branch I specifically asked the Banker assisting me who turned out to be the Service Manager, at the XXXX XXXX XXXX I visited on XX/XX/2019 if I would have difficulties cashing the check since it had been run through their check verification system. The Banker gave me her card and explicitly stated that there would be no issue cashing my XXXX XXXX Check at another bank or Check Cashing entity and if any issue arose to give the third party her card and advise the individual to call her at the number provided. I then presented the Check to XXXX to cash using its money-services, however customer service could not cash the check for me because ( according to the manager ) the check reader could not reach the account and routing numbers on the bottom of the check. The manager continued saying that this was a common issue. At this point I decided that I would deposited the check into my account using my app 's mobile deposit feature. Which had brought me to this juncture. When I learned that this check had been returned US Bank first assessed a {$19.00} fee on my account which totalled in the amount of {$54.00} deducted from my balance. I Visited the nearest US Bank Branch to me and spoke with a Banker who embodied US Bank so well I then decided instead of explain myself to an ignorant bank that would dare accuse me of fraud and other indecent behaviour and freeze my money and close my account while I encounter hardships and suffer damages I escalate it at EVERY resource available and take action against US Bank and hold it Liable and responsible for my pain and suffering due to its insufficientences and proper mitigation and risk management processes. For example there is A XXXX XXXX sticker on the front door of the branch I visited about this matter. The Bank as a whole or any one banker can pick up a phone call XXXX XXXX on a secured line and provide the reference number listed on the check as well as the letter that I received with the check or call and requested to speak with upper management at XXXX XXXX and verify that the issued my a check for {$35.00} in order to provide a refund for a misplaced/lost money Order which I purchased with Several weeks prior, an event which predates my decision to open an account with US Bank as a matter of fact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Carrollton, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Somerset, WI

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Main Office, VA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2019, at XXXX XXXX, I placed an order for two doors from XXXX XXXX XXXX, Receipt XXXX. Sales person XXXX XXXX On XX/XX/2019, I cancelled the doors after discovering that the order only contained 1 door when I thought I had ordered two doors. I immediately notified XXXX and Elan Financial Services of the charge. They gave me an immediate credit but then applied the amount back to my card 30 days later stating that I had the merchandise. Obviously the salesperson cancelled the doors because they were never sent. Thus, I never received the merchandise and Elan Services for XXXX XXXX XXXX refuses to give me credit for the {$660.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-27

MO

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2019 I deposited {$580.00} cash at the ATM at US Bank and the ATM took all of my money and didnt deposit any of it to my account so I called the number the ATM gave me on my receipt and they said it could take up to 45 days to get my money back and then I went into the bank the following day XX/XX/XXXX and they said it could be 10 days before I get my cash and that they couldnt tell me when the ATM auditor was going to balance the machine or when I was going to see my money but I really need that money a lot sooner than this and no one was really helpful to my situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-26

Torrance, CA

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: I had XXXX 's Rewards Plus XXXX in 2013. I purchased this card and every time to reload they charged me {$3.00} on top of monthly {$4.00} and XXXX cents inquiries about balance. I had lots of problems using this card. When the merchants issued credits and refunds Rewards XXXX XXXX would hold these funds for 1 month not allowing me to use my own funds. It happened on several occasions in XX/XX/2013 when I traveled. When hotels had extra preauthorization and after check out would release funds, Rewards plus would hold onto money and not credit to my account for 1 months. I involved management of one hotel in XXXX XXXX who same as me spent hours on a phone with Rewards XXXX without any resolution. I had few instances also when I would reload money onto card and funds would not be available till1-3 days later, making me not able to pay for my phone, or buy groceries and pay other bills. This card is a negligent defective product and service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response