U.S. BANCORP

2019-08-20

Palos Verdes Estates, 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

2019-08-20

AK

Fees or interest

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

Problem with fees
Complaint: On XX/XX/2019 I submitted an application for the U.S Bank Altitude Reserve Credit card. My application was approved and I received the credit card. I used the credit card for regular purchases. The card came with a $XXXX annual fee which I paid on time in full. I always paid my balance off, and was not charged any interest.This card required that I spend $XXXX within the first 3 months of card membership in order to receive the sign up bonus of XXXX points. I met this requirement and I could see the bonus points as pending on my credit card statement.Then I received a notice that my account was being closed and that my points were being forfeited, and that I could not longer use the card. The reason state was a pattern of buying gift cards. I tried to see if I could get my account reinstated with no success. When I could not get my card reinstated I requested that the annual fee be refunded to me since I paid the $XXXX fee. This request was refused. I requested that the annual fee be prorated for the months that I was not able to use it, this was also refused.I was wronged first that I clearly met the terms of the sign up bonus, I saw the points as pending to my rewards account, but then US Bank frozen my account not allowing me to use the points. I was wronged again when US Bank close my account within 3 months of opening, yet would not refund the $XXXX annual fee which I paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Nashville, TN

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: Us Bank closed my account on XX/XX/19. .... Called them on XX/XX/XXXX when I could not login to account. Was told account was closed. Still had XXXX in US Bank. Went to location in TN and Assistant Branch Manager XXXX said they sent a cashiers check. They refused to give a tracking number. Went to branch a week later and still no check. Was trying to be patient. Emailed XXXX XXXX, Bank CEO, multiple times during this process. Talked to his assistant XXXX and she said there is no tracking number for the check. I don’t believe a bank would send out a cashiers check without a tracking number. How am I supposed to know it was sent? Please help a homeless veteran get his last few dollars.
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

2019-08-19

Reno, NV

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: InXX/XX/XXXX my wife and I got a pre-qualification letter from US Bank and using that we put an offer on a house we liked and our offer was accepted. When we went back to the lender to start our application our assigned loan officer, XXXX XXXX, told me he can not start the application because we will not get approved and the file will be cancelled. I did not want to lose my earnest money so I begged him to start the application and let it be denied but he said that his boss ,XXXX XXXX told him that this file will not be approved and she does not want to have a cancelled file in her team.When I asked for the last time to please start our application he said sorry buddy.We had to go to another lender and start our application but we lost the rate that US Bank was offering and also my employee's discount. I went to my supervisor and told him that this is a violation of fair lending and regulation Z and I want to complain but he said since you are working for mortgage you will lose your job if you file a complaint. I am filling a complaint now because I don't work for our mortgage department any more. Working at mortgage taught me that customers and their interests comes first and what they did to us was unfair and cruel.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-19

IA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: US Bank employee in XXXX, Iowa giving out account information to unauthorized people. Violating my privacy and many others. At minimum unprofessional but also illegal and further action my be neccessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-19

San Jacinto, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I tried making a deposit in the atm near me and the atm was down. I called us bank the next day and as a courtesy they said they would waive the fees. they never waived anything or returned the 2 XXXX 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

2019-08-19

Vega, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/2019 a hailstorm damaged my property located in XXXX, TX. Both real property and personal property was damaged.The damaged real property is secured my a mortgage currently serviced by US Bank. The damaged personal property is not secured with any creditor.My insurance company mistakenly included US Bank as a payee on the claim check which included payment for damages to both real and personal property (they generally issue separate payments for personal property claims).The initial insurance check was received by US Bank on or about XX/XX/2019. When I submitted this check to US Bank, I formally requested, in writing, that the amount for the personal property be returned immediately as US Bank has no financial interest in the property and thus no right to retain the money.On XX/XX/2019, US Bank received a second claim check for additional damages to real property that were not covered by the initial check. As part of the submission of this check to US Bank, I requested formally, in writing, that they immediately release the amount they have held since XXXX for the personal property. I made a third formal, written request for the personal property funds onXX/XX/2019.To date, US Bank has neither provided the funds for replacement of my personal property nor provided any reasonable steps I can take to obtain them.Both of these actions are contrary to the Texas Insurance Code.
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

2019-08-19

Cowan Heights, 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 non-monetary relief

Timely Response

2019-08-19

Everett, WA

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
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

2019-08-19

Fontana, CA

Closing on a mortgage

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

2019-08-19

Lakeville, MN

Applying for 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

Timely Response

2019-08-18

Lk Buena Vis, FL

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: I have no acknowledge of this account and I was a victim of Identity theft. Please take this off my record this really getting ridiculous. I have tried to reach out to the this company numerous of times no ANS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-17

Saint Paul, MN

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: On XX/XX/2019 at approx. XXXX CST I spole with XXXX XXXX, a representative with US Bank. I was inquiring about the US Bank Visa Signature Rewards credit card. Card holders are allowed to choose two categories in which the cash back rewards for the quarter are 5%. The online information indicated "groceries" was one such category. I asked Ms. XXXX if I could choose groceries every quarter, and she replied in the affirmative. I asked if there was a cap on the rewards, and she replied that there is not.Wanting to further make sure that the card would meet the needs of my family, I asked (paraphrasing) "What if i charge $XXXX on groceries every month, would I get 5% back on the entire $XXXX in charges?" Ms. XXXX again replied in the affirmative. Today, upon receipt of the credit cards (one in my name, one in my wife's name), I went on line to choose "groceries" as one of my two 5% back categories. I was shocked to see that if i choose "groceries" that I would only receive 2% back!!!I called the US Bank phone number today, XX/XX/XXXX at approx. XXXX XXXX CST. The first rep I spoke with said there was nothing that could be done. I asked to speak to her supervisor. I was connected with and spoke to, XXXX, also told me there was nothing to be done. I asked to speak with XXXX supervisor, and he told me that a manager will call me within 24 hours.A representative of US Bank lied to me. Believing the rep, Ms. XXXX, I went ahead and applied for the card. This was a hard inquiry on credit file, and impacted my FICO score.
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

2019-08-16

Fruitridge, CA

Incorrect information on your report

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

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

Timely Response

2019-08-16

Hermitage, TN

Managing an account

Checking or savings account: Savings 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

2019-08-16

El Paso, TX

Closing an account

Checking or savings account: Savings 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

2019-08-16

Aurora, CO

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 monetary relief

Timely Response

2019-08-16

Saint Louis, 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

2019-08-16

E Meadow, NY

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 monetary relief

Timely Response

2019-08-16

Lb, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: See Attach Documents I open a checking********
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-15

Millville, CA

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

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

Timely Response

2019-08-15

Denver, CO

Opening an account

Checking or savings account: Other banking product or service

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 explanation

Timely Response

2019-08-15

Glendale, CA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money 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

2019-08-15

E Wenatchee, WA

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

2019-08-15

Sarasota, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Original creditor is US Bank. Current collection Agency is XXXX XXXX XXXX. Acct number is XXXX This has been going on for about 10 years. I owed US Bank a little over $ 1k. I settled that debt with the original Creditor 10 years ago for a fraction of the cost. However, every year US Bank uses a different creditor to collect a balance. I have submitted my payoff letter to each of those creditors to clear the debt off my report. I thought it was over, but I just received another letter today from XXXX XXXX XXXX in NY about the same account. This is definitely becoming frustrating. 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