U.S. BANCORP

2019-10-19

Encino, CA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-18

Brockton, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This is inaccurate, the payment status, it is not reported consistently across the bureaus. Also the payment history is not clear as to when is the payment ok or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Federal Way, WA

Problem when making payments

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

Problem during payment process
Complaint: I had an unusually large bill this month ( {$17000.00} ) and made an early payment in order to avoid any fees. I called several times to cancel my autopay and was told that it would automatically cancel out and not hit my account. I called back a 2nd and 3rd time and was told that the payment was processing and that they couldn't stop it but would be able to issue an immediate refund once it posted. A second ( overpayment ) draft of {$17000.00} hit my checking account several days later and I called to request a refund. They processed the refund but told me that the refund would take 17 days. I asked them to escalate/expedite the refund but they told me that they would not do so. My mortgage and other bills are now in danger of being paid late because of their mistake, misinformation and delay in refunding my overpayment. No one in their customer service department seems to care about helping their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-18

San Jacinto, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I recently overdrew my US Bank business checking account between the dates of XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I deposited plenty of money to cover all the overdraft payments and also the eccessive fees that they charged me on my account. On XX/XX/2019 I called to discuss my situation with US Bank to complain of the eccessive fees and to request a refund of the overdraft fees or at least a partial refund. I spoke to two managers and neither was willing to help me out with a refund. I don't agree with their payment processing method and policy on overdraft fees and overdraft protection service. I explained that the service and fees are actually hurting me and I think the fees are eccessive and also I never authorized them to charge me a fee in the first place, so I feel they are stealing money from my account. I want them to refund the money they stole from my account through their overdraft protection service, which I did not know was optional to have when I first opened the account. The service was not explained to me and I did not understand what I was doing at the time I opened up the account with the overdraft protection service. Now that I understand the overdraft protection service, I feel it is theft of my money, I do not agree to it and I never authorized the overdraft charges. So I consider this action a theft of my money from my US Bank business checking account by the bank itself for a motive of profit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Alta Loma, CA

Trouble during payment process

Mortgage: Other type of 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

2019-10-18

Grand View, ID

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I expect as common good business practice that corporations such as this make situations right. THIS particular situation was not due to the neglect of financial planning ; yet due to neglect of system/billing corrections ... YET today it would also seem that the us bank app that CUSTOMERS depend on ; was " undergoing maintenance '' CONVENIENT ... YET I'm responsible for this XXXX up?? I think NOT!!! fix this problem started around the XXXX XXXX of XXXX. A charge was made and then pending, XXXX . saw and noticed it. then on the XXXX still listed in pending authorization status ; then noticed strangely that available balance increased, XXXX $ thought direct deposit hit account ; same time frame Tuesday this week. np ... used card went on thru out week ; Available balance last night Thursday XXXX-XXXX ... available np ... wake up today ; show negative! 260ish! $ wtfso called in to company ; spoke to " rep '' indicated that looked like the XXXX $ hold/authorization was put on the account THEN taken off, THEN put back ON caused the account to go negative ... I stated w anger ... HOw is THAT possible?! SHE stated that she doesn't now HOW the " system '' allows transactions to go thru or not! I stated that it doesn't make sense! 2 days w available POSITIVE balance THEN Friday today NEGATIVE!!??? because of " SYSTEM ''!? no sense ... she didn't AND refuse to fix this, and stood behind it ... stating that would't fix this account ; even after it was something the SYSTEM did and not myself. IF I made it negative I would understand. SHE said the " SYSTEM '' did ... I asked her if that was accurate, SINCE I don't have any protections against my account for negative, MEANING if the account is NEGATIVE the CARD wouldn't go thru once the account WAS in negative ... she confirmed that ... SO how AND why won't U.S. BANK a million dollar company fix this NON customer ISSUE!!!! she wouldn't and refused ; I'm livid after numerous years of loyalty are now flushed down the toilet ; I WILL take this to attorney general and potential class action if necessary. USBANK, MAKE THIS RIGHT!!! this iSN '' T my error in charges ... OH I have pictures dates times of balance checking thru out week for verification and validation fyi ... ... feedback..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

2019-10-18

Ellensburg, WA

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

2019-10-18

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-18

Mesa, AZ

Managing an account

Checking or savings account: Other banking product or service

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 non-monetary relief

Timely Response

2019-10-18

Phoenix, AZ

Incorrect information on your report

Vehicle loan or lease: Lease

Account status incorrect
Complaint: US Bank auto lease reported a 30 day late payment on my report on XX/XX/2018 but the vehicle was purchased by a car dealer and traded in for a different vehicle on XX/XX/2018 before the lease payment due date on the XX/XX/XXXX every month. Attached doc showing trade in and purchase of the USB lease vehicle : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-18

Burlingame, CA

Closing an account

Checking or savings account: Checking account

Company closed 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

2019-10-18

Onon Hill, NY

Trouble during payment process

Mortgage: Other type of 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

2019-10-18

N Haven, CT

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Bloomington, MN

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Sent me a bill and nothing else Ive made multiple contact attempts and have heard nothing back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-17

Oxford, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: Noticed erroneous {$190.00} added to the loan amount ( not disclosed in the documentation ) and odd amortization.. Monthly principal is {$600.00}. I made the first payment early ( {$610.00} in principal paid ), then made the second payment on-time and {$510.00} of principal was deducted. This does not seem accurate to me. I called the bank and was told that they couldn't reconcile the extra {$190.00} and weren't sure about the principal except that it had to be because i made my first payment early. This didn't make sense and they said they would follow up with loan ops and call me in a few days. That was weeks ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Omaha, NE

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/2019, Said XXXX XXXX of US Bank in XXXX, NE, contacted my husband and I via email and phone under the pretense that he needed to review something with us from our last mortgage payment. This was in fact, an attempt to sell us a refinance, and had nothing to do with our visit to the branch. He became argumentative when we raised this concern. We asked the branch manager, XXXX XXXX, who was later CC 'd on the email chain by Mr. XXXX, to contact us directly, and he failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Phoenix, AZ

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

2019-10-17

Bismarck, ND

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

2019-10-17

Vab, VA

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 non-monetary relief

Timely Response

2019-10-17

Brighton, OR

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

2019-10-17

Keller, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( 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

2019-10-17

UT

Problem when making payments

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

Problem during payment process
Complaint: This is for Elan Financial Services. In XX/XX/2019 I opened a card with Elan. First, they have astronomical fees that were not disclosed. I looked everywhere, there are no signs of any explanation. But the most important and alarming complaint : I attempted to link my XXXX XXXX XXXX XXXX account to them. Not only did they reject the account number on XX/XX/XXXX ( which I can live with ), but the letter they sent said they sent my payment back to them!??? If it's the wrong account number how in the world could they send it back?! It gets better. My payment didn't come from that credit union! So they took my {$400.00} payment on XX/XX/XXXX, from my XXXX XXXX account, and they SENT IT BACK TO THE *WRONG* credit union account , which they already told me was " wrong ''! Anyone would freak out by this, so I instantly called them. The girl that answered was polite and agreed it was odd, and she suggested I file for a trace. Which I did. I supplied all the necessary documentation. They completely disregarded what I sent them and said the proof I sent was about my payment. YES! I KNOW! WHERE DID IT GET SENT TO!? I have a right to know where they randomly sent my {$400.00}, but I don't trust this company to help me get it back. I called again, and asked to talk to a manager. I couldn't believe it, the manager was less knowledgeable and more ignorant than the front line reps. He was incredibly rude. He also refused to look into my situation, and kept asking me over and over if I felt like he was giving bad customer service, in response to my questions. He was very confrontational and immature. That is only part of it. I DID link my XXXX XXXX account to this card, XXXX same account my first payment came from. The one they sent to the " wrong '' bank ). Anyhow, I set up regular payments to pay at a set time every month, but they don't work like that. For 3 months in a row they took a random amount they chose ( all 3 different amounts, all at different times of the month ), to pay that bill. I only keep enough in there to pay the bill when it pulls, but they picked their own times and increments. And sure enough, they ALL got returned for insufficient funds! Again, all different fee amounts. It shows that the bills were paid online. Which is wrong. Plus I'm the only one who has access to this card. And my experience with them is, it won't do me any good. I've only had this card for 5 months and it's literally been XXXX. I'd really like, more than anything, to know what they did with my initial {$400.00}. And I'd like to know how they justify treating human beings so horribly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Washington, DC

Fees or interest

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

Charged too much interest
Complaint: US Bank has lied about of interest i was overcharged and am including proof. I received three notfications of over paid interest totaling close to XXXX yet US Bank has not sent a check for any amounts despite telling me on the phone that they would. This is not acceptable. They cant steal and get away with it because they are a bank. I want my money refunded via check to my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-16

Oxford, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I reviewed my XXXX credit report and I totally shocked that XXXX reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. US BANK | XXXXXXXX Balance : {$1600.00} 4. US BANK | XXXXXXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX has violated my rights and I will be consulting with a consumer attorney sue XXXX for its negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-16

Five Points, NC

Closing your account

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

Can't close your account
Complaint: CREDIT CARD ENDING IN # XXXX BY XXXX, SINCE XX/XX/2019 XXXX REFUSED CLOSING ACCOUNT!! I WAS TOLD ON NUMEROUS CONTACT WITH XXXX THAT THIS CARD/ACCOUNT REMAINS UNDER REVIEW!! ON XX/XX/2019 I REPORTED THAT CARD/XXXX WAS LOST/STOLEN!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response