U.S. BANCORP
Consumer Complaints
There are over 18695 complaints on file for U.S. BANCORP. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 27
2019-09-06
OH
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: Credit card with US Bank, Kroger Rewards World Mastercard, balance currently {$2100.00}. Have made payments regularly, no late payments to any creditor on my record. I had an introductory rate on part of the balance that expired last month. Received correspondence today raising interest rate from 20.99 % to 26.24 % effective XX/XX/XXXX. The reason given is high credit card balances and too many accounts. The card has been active approximately 2 years or so, I have not used it in many months, again, no late payments anywhere in my history. My telephone complaint was met with indifference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-06
Irvine, 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
2019-09-06
North Hollywood, CA
Problem caused by your funds being low
Checking or savings account: Savings account
Non-sufficient funds and associated fees
Complaint: I noticed my daughteres savings account went from approx 15k to XXXX within 6 months or so and my statements were being mailed to another address not in the city the account was opened in. I went to the bank and called fraud department to facilitate/resolve as well as called the fraud department who noted and advised me to visit the brick and mortar to no avail for over a year now despite the fact that i provided police reports ect. I just kept getting the run around/miscommunication & told it was me who committed the fraud from a so called reputable bank that prides itself on integrity.
Each meeting/called was only to delay the time so they could continue to deny replacement of the funds stolen by the offender. I provided the name of the offender/hacker as well with supporting documents such as police reports ; which where disgarded leaving my daughter'e saving depleted and now and overdrawn balance that has been referred to creditors harassing me. I just stopped utilizing the accounts ans was told by the US Bank branch manager that i would not be charged nor account closed because it was fraud related, which was not true & created debt and unwarranted negative reports on my credit.
I then tried to go to two other branches who acted but then i referred back the branch that i initially opened my daughters accounts. They said that if they wanted to refund my monies they were the only ones that could. So i was left with nothing once again/hopeless/ I then reach out to the regional mananger who acted as if they were concern only to cahoot with the branch manager. i also ask did they need me to send police reports etc. but they had no interest and told me to do what i had to do.
Overall, my daughter college savings has suffered and now we are in debt owing the banking institution we trusted. Causing us to see assistance via your portal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-06
Air Mail Facility, FL
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
2019-09-06
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Elan has violated FDCPA. Status must state : paid in settlement. Balance written off. Comment must state : paid in full for less than full balance. I had made payment arrangements for a settlement Elan had agreed upon. They even recorded me. Yes they are still reporting incorrect information I have disputed twice w XXXX, once w XXXX, and once w XXXX. I have added documentation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-06
Conroe, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-05
Corcoran, MN
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
2019-09-05
Saint Paul, MN
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-05
Milwaukee, WI
Managing an account
Checking or savings account: Savings account
Funds not handled or disbursed as instructed
Complaint: I went into us bank to open a savings account XX/XX/2019. The bank is familiar with my face due to me having a safety deposit box. After I deposited my money order the clerk whom I was directed to for finishing up asked me where did I get my money order from and she has never seen any money orders with the amount that I deposited. I immediately felt where she wanted to fake the conversation I told her I got the money order from a check cashing place and had a few of them. She asked me did I want go withdrawal the 2 or 300 dollars that was available immediately for use while my check processed for clearance. I declined because I did not need it at the moment. We ended our conversation with her telling me that my bank card would arrive in the mail between 3 or 5 business days. exactly one week later after opening my account I went to withdrawal the 2 or 300 dollars that I was told was available to me for a bill. While in the drive thru of the bank I had communicated with a teller and given her my bank slip. As more people arrived they were serviced while I continued to wait and blow my horn and did not get an response until after three or five minutes. I was told that I could not withdraw any funds until my check cleared which would be the next day. When I asked about my 2 or 300 dollars that was available for me to take the first day I deposited the money the lady and man told me that someone lied to me. And that I would not be able to take any money out. I came inside and asked to speak with a manager there were two of them sitting at the desk. They told me the same thing and i asked to close my account and for my money back they told me I could not do anything until tomorrow. I wanted to cry. I knew that they were lying and were treating me like a criminal. I am not sure if it was the color of my skin or my age or the way I look as an individual but the way I was treated and made feel no one should ever go through that. Since the day I have opened the account I have been checking my mail daily for my bank card which has not arrived yet. When I called the eight hundred number I spoke with a representative who confirmed that the 2 or 300 hundred dollars should have been released to me even before the check cleared and that my bank card was never ordered. I was discriminated against and treated unfairly, differently and lied to. I am a customer and I did not feel like one. Since this has happened I felt that something was not right and I was not able to let it go. It was not fair. I am so angry about this and I do not know what should and can be done to make things better but I do know I was not treated fairly.Went into the bank on XX/XX/2019 to speak with the branch manager because I was not sure if you received my first complaint. My husband and I sat down and talked to him about the incident that occurred and how we felt. We let him know we were discriminated and stereotyped. He agreed. Not only did he agree he apologized and mentioned money laundering and how cautious they have to be. No matter how many examples he gave for the reason why I was treated the way I was we still came back to my main topic of discrimination and stereotype. I know that there are many people who do fraudulent activities and I am not one. But if there was a suspicion my money that was available to me should not have been held nor my card should not have been shipped AFTER my check cleared. I should not felt that they had a suspicion that should have been done and handled behind business doors. I am a client. I should have been treated like any other banker whom goes inside a bank to deposit any type of money. I could not sleep nor understand why I was treated as such. I was promised for my card to be rushed shipped to me at no charge and would receive it in 2 or 3 days. I got an email saying 7 to 10 business days. I am still being treated like what happened was not big nor did my words matter. Whenever I come into that bank I am forced to wait over fifteen minutes to get into my safety deposit box while others come in and get right out and I have been waiting longer than them. It is not right and something should be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-05
CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: My husband and I are in the process of refinancing a home loan with US Bank. I first become suspicious of their practices because of the length of time it is taking to approve. All paperwork is in and our credit is excellent so I wondered why they seem to be 'finding things ' to postpone the approval. I even wondered if I am part of a scam. The loan processor is saying that because we have a living trust there is a delay and because we have a sign ( by the road ) with the home addresses on it, the underwriters are concerned. We have refinanced before on our home and these were never issues, in fact they add to fire safety and personal security. We have contacted the processor numerous times and they do not seem to have a viable reason. Is this company going under? Are we part of a larger scam by US Bank?
Even scarier, I called an XXXX US Bank number to inquire about our application. I gave the US Bank employee our loan application number, our address, name and last 4 SSN. He couldn't even find record of the application. He had 9 pages on his computer screen of loans in process in XXXX California and couldn't find ours. This seemed very strange since we have been at this for about 40 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-05
Burlingame, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-05
Las Vegas, NV
Managing an account
Checking or savings account: Other banking product or service
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
2019-09-05
Delano, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-05
Gages Lake, IL
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
2019-09-05
Urbandale, IA
Closing on a mortgage
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
2019-09-05
Fairgrounds, LA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
East Troy, WI
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I closed a small business and cancelled my credit card processing service with Elavon in XXXX, 2019. In XXXX, XXXX, XXXX and XXXX, 2019, a merchant service fee was withdrawn from my business bank account, and I had to send numerous emails and make many phone calls to receive refunds for XXXX, XXXX and XXXX. I was told that my account was not " properly '' closed by Elavon until XXXX. In XXXX, after I was charged yet another merchant service fee, I once again asked for a refund, and I was advised by XXXX XXXX, an account manager, that the refund was issued and deposited into my bank account on XX/XX/XXXX. Despite numerous communications with Mr. XXXX, including providing him with proof from my bank that the funds are not in my account, he has continued to insist they were deposited and that there is nothing more that Elavon can do. He told me to go to my bank and have the bank investigate ; I asked him for documentation showing the transfer had been made, and he told me there is none. I still don't have my refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-04
Greenfield, WI
Opening an account
Checking or savings account: Savings 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
2019-09-04
Jupiter, FL
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Billing dispute for services
Complaint: Us Bank Repo my car XX/XX/XXXX sent me a letter stating i had until XX/XX/XXXX to Reclaim the car they towed it to XXXX XXXX with my Personal Items inside I was then sent a letter from the place that had my car I went on XX/XX/XXXX to Reclaim the car but the car wasn't there but my Personal Belongings were I ask where the car was she told me she had no idea I contacted Us Bank coming to find out from them no letter or anything that they Sold the car on XX/XX/XXXX which they were in the wrong for Saleing the car because pertaining to the letter they sent me I had until XX/XX/XXXX to Reclaim the car but they never gave me a chance so on my Credit Reports they have Remarks but the account is Closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-04
Evansville, IN
Trouble during payment process
Mortgage: VA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
West Palm Bch, 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
2019-09-04
MA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Complaint: On XX/XX/18, a transaction in the amount of {$5200.00} was charged by a company we hired to install a whole house generator. The company took the money and did not do any of the work. We disputed the charge with our credit card company who immediately refunded our money while they investigate. They asked for a statement which I provided. They denied our dispute, stating we " received the services represented by the transaction '', which is entirely false. We appealed their decision, only to be told that we did not provide proof of our claim. They are asking us to prove a negative. We have to prove that we DID NOT receive the " services represented by the transaction ''. We asked them for their proof on how they reached that decision, and we were ignored. Any help would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
White Hall, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I had a credit card with Elan financial. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
Eagle Crest, OR
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-04
Chicago Ridge, IL
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