U.S. BANCORP

2019-09-12

San Ramon, CA

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

2019-09-12

Collinsville, OK

Closing your account

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

Can't close your account
Complaint: My complaint may seem silly to some people but, to me, it's serious and I can't get any help with it or even any acknowledgment that anybody has read it, and certainly no acknowledgement that anybody cares. It involves Banks and Credit Cards and phones. I can not use a phone. Specifically my complaint is with : # XXXX XXXX XXXX XXXX and their XXXX credit card ; Background : I opened a credit card account, without using a phone, via internet, approximately a year ago. I was satisfied with the credit card rules, regulations, fees, charges and internet operation until about XXXX months ago. At that time, for no reason, I was denied access to my internet credit card account. Every since then whenever I attempt to log into my account I enter the exact same information I opened the account with, { the same information I used for several months before they started this new XXXX } and I get this : " we can not verify your information. call this number or log into your account and send a secure email '' I have wasted several hours trying to find a way to contact somebody connected with my internet account and the best I have found is : call this number or log into your account and send a secure email. Through no fault of mine, I can not use a phone. I opened the account with out using a phone. I can not get access to my account with out using a phone. I can no longer use the credit card but they continue taking money from my checking account monthly, and I can not stop it. I can not even close the credit card account without using a phone. I repeat : I can not use a phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Arlington, VA

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

2019-09-12

Flushing, NY

Opening an account

Checking or savings account: Checking account

Unable to open an 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

2019-09-12

Magnolia, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: Two ( 2 ) applications for credit fraudulently using my name were submitted to XXXX by : 1 ) US Bank and 2 ) Elan Financial during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by US Bank as they were suspicious of the old address. I confirmed I did not apply for credit with US Bank and Elan Financial. They told me they would : 1 ) cancel both credit applications, and 2 ) advise XXXX to remove the inquiries from my Credit Report. I wrote to both XXXX and US Bank/Elan formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Medford, OR

Problem with customer service

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Complaint: On XX/XX/19 my company was presented a US Bank cashiers check in the amount of over fifteen thousand dollars. The customer wished to purchase goods. Our standard business practice is to call the issuing bank/ branch, and ask them to verify that they issued the check. The XXXX XXXX Oregon branch of US bank I called was most unhelpful. The woman informed me, that they do not verify funds any longer. After several minutes of me insisting, and continually reading off information from the check, she finally admitted that she issued that check, but told me that this will never happen again, as her bank has a policy against verifying cashiers checks. Rudeness aside, this is a very troublesome policy, because in this age of fraud how is a consumer supposed to stay safe? By the way ... did I mention that I am a business customer at US bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Palm Harbor, FL

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

2019-09-12

Jersey City, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX XXXX has arbitrarily and without notice decided to restrict online access to my mortgage account on the grounds that I have a bankruptcy on record, nevermind that I never stopped paying ( overpaying ) my mortgage and that the bankruptcy was 10-plus years ago ( so long ago that the customer service rep I spoke to on XX/XX/19 could not even find it in the bank 's records ). I've always had full access to my mortgage information with XXXX XXXX. This has been valuable for budgeting and planning, showing insurance costs, escrow information and a schedule of future payments. I wanted to see on this day how many payments I had left.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Bel Aire, KS

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2019-09-12

Wichita, KS

Getting a credit card

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

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

Timely Response

2019-09-12

Knoxville, TN

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 contacted you guys about a card that was lost. I sent in fax with the receipt and ID. They said they were not able to find this card and only the back office can. It's been 5+ days and the back office refuses to call back. I called in and talked to a manager ( XXXX XXXX ) who was useless. She said just to wait 3-5 days. when I told her it has been 5 days she just acted like there was nothing she could do at this time. Followed up with why, not at this time? She said it was because the office was closed at XXXX XXXX eastern on a Thursday. So I asked if she could follow up on this for me she said she couldn't because of HIPAA. It's hard for me to use the phone due to a medical condition so I asked for reasonable accommodation of having her check on it for me when the back office is open. She refuses to be of any help It's bad when your company refuses to help me with a card. let alone refuses to do a reasonable accommodation for a medical condition so I can get access to a card
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

2019-09-12

Albuquerque, NM

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/2019 I submitted a written request to US Bank asking them to investigate 6 separate fraudulent ACH withdrawals from my Property Management Trust Account. Someone was apparently using my trust account to pay their personal (? ) XXXX XXXX bills. I also contacted XXXX XXXX to see if by using the tracking numbers they could find out who did this but they said they could not do anything until US Bank 's fraud department contacted their fraud department and that between the two of them, they would figure it out. I had yet to hear from US Bank after hand-delivering my letter on XX/XX/XXXX so late last week I began leaving messages for them to call me back regarding a follow-up. Yesterday after my second call, I received a call back. I was told that no adjustment could be made because with ACH withdrawals I only have 24 hours to notify them of the charge regardless of it being fraud. This makes absolutely no sense whatsoever. There are reference numbers on my bank statements that SOMEONE from XXXX XXXX OR US Bank should be able to track to see who did this. MAYBE it was simply an error? But with no one willing to even check into the possibility, the only one that got hurt here is me since I have to put the money back into the trust account from my own pocket. Thank you for taking the time to read this - I hope to hear from someone soon. I will upload my letter to US Bank AND their response once I receive it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-12

Fairfield, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
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

2019-09-11

Las Vegas, NV

Fraud or scam

Money transfer, virtual currency, or money service: Check cashing 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

2019-09-11

Bay View, WI

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

2019-09-11

CA

Fees or interest

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

Problem with fees
Complaint: I had an XXXX XXXX XXXX Mastercard issued by XXXX. In XX/XX/XXXXI received a notice that this account would be closed and replaced with an XXXX Visa Signature card issued by Elan Financial. On XX/XX/XXXX I was charged an annual fee of {$150.00} by XXXX for the period XX/XX/XXXX to XX/XX/XXXX ( paid {$150.00} for 26 days or service ). I contacted XXXX as I was concerned about paying an annual fee for less than 4 weeks of service without having any way of knowing what the new card was like. XXXX assured me that I could close the account within 60 days of the fee being charged and receive a full refund. When I received my new Elan Financial serviced Visa card in late XX/XX/XXXX I contacted them and they again assured me that I could cancel the card and receive the fee refund if I was not satisfied. I contacted Elan last week to ask about my card and ended the call assured that the account would be closed and that I would receive a refund of the annual fee. Today, XX/XX/XXXX, I am speaking to Elan and they advised that the account was closed but that they have no record of promising me a fee refund, nor that it is in process. Last spoke to supervisor XXXX who advises she is unable to offer a refund at this time.
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

2019-09-11

Brooklyn, NY

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your 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

2019-09-11

AZ

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

2019-09-11

Omaha, NE

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

2019-09-11

Stkn, CA

Applying for a mortgage or refinancing an existing mortgage

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 monetary relief

Timely Response

2019-09-11

Greenbrae, NV

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

2019-09-11

Russell, IA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Complaint: I have tried to lower my debt but as I dont have a good paying job I am struggling to make payments on my XXXX MasterCard. I would recommend to do an audit of who has access to that information and who doesnt. I didnt allow any access to my personal information on any credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-11

UT

Incorrect information on your report

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

Account status incorrect
Complaint: Us Bank is reporting a recent late in XX/XX/XXXX that I should not have. I was never late and never received a notice. The truck is my husband 's and he is the one that makes the payment, and he has told me he was never late. He made the payment and there was a bank side error that resulted in it not going through. This is not my fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-11

Springfield, VA

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 non-monetary relief

Timely Response

2019-09-11

Fontana, CA

Trouble during payment process

Mortgage: FHA 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