U.S. BANCORP

2019-11-19

Grosse Ile, MI

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble using the card to pay a bill
Complaint: I purchased a XXXX prepaid card 7 days ago and Ive been trying to pay 2 car notes. The prepaid card keeps declining the the transaction to two different car companies. So I called today to convert the temp card to permanent card and Im told this takes 7-10 days plus the week Ive already been trying to pay my bills. Now Im told the card that I had deactivated and replaced was not deactivated and that takes 3-5 days. So 7 day plus 7-10 days plus 3-5 days just to pay two car notes and cant is messing with my credit. And its nothing I can do but wait as they mess up my credit with this no working 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

2019-11-19

Durham, OR

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-19

La Pine, OR

Problem caused by your funds being low

Checking or savings account: Other banking product or service

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

2019-11-19

Palos Park, IL

Communication tactics

Debt collection: Federal student loan debt

Frequent or repeated calls
Complaint: Servicer keeps repeatedly calling demanding payment after I have repeatedly informed then they need to provide to me proof of the payments I have made to date and the balance owed upon the loans, if any. Even through I have demanded from them in writing, they repeatedly call demanding payment and never provide the required documents. They call during all times of the day from XXXX cst until XXXX cst. No matter how many times I ask for proof of my loan, they keep repeatedly calling demanding payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-19

Boise, ID

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-11-19

Hi Vista, CA

Problem when making payments

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

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

Timely Response

2019-11-19

Closing on a 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 explanation

Timely Response

2019-11-18

North Hollywood, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: To whom this may concern, After opening a U.S Bank Business Checking and Savings account, with promotional code XXXX. I was told that in order to qualify for this promotion, I would need to do the following : " U.S. Bank is offering a bonus of {$400.00} when you open a new business checking account and complete the following requirements : Mention promo code XXXX Complete {$5000.00} in new money deposits within 30 days of account opening '' After opening up my account on XX/XX/2019. The banker who was assisting me told me that after opening both the checking and savings account, and depositing XXXX or more into the checking out, I would be paid a bonus of {$400.00} dollars deposited to my savings account within 60 days. I then proceeded to deposit the money off {$5000.00} on XX/XX/19. After waiting over 60 days I still did not get any type of bonus for on either one of my accounts. After contacting US Bank support, I was told that I was not eligible for the promotion due to not signing up during the promotion timeframe. Unfortunately their claim is not valid, since the banker, selected the promotion code as an option to be applied to my account and the end date for this promotion on his screen was TBD. Since expired promotion codes can not be applied after expiration date, the original support representative claim is therefore false. Since the branch where I signed up for the promotion offerings has closed down and the branch manager who signed me up has left the company, my only choice would be to file a complaint. I have since taken other measures complimentary to the complaint where I reached out to was to my local branch and they have filled a request : XXXX I hope that this issue can get promptly resolved, where I can still have satisfaction in doing business with U.S 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

2019-11-18

Bridgetown, OH

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

2019-11-18

San Francisco, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I was charged two over draft fees at the same time because my account became negative the day before my paycheck arrived. These charges were not supposed to post until the following business day but by error were charged a day earlier. Its egregious to charge for each transaction despite them being in error. Im a loyal US bank customer and for them to pile on the over draft fees the day before I get paid is terrible customer service and they refuse to even listen to the customer. Im a student and US Bank is a large corporation. Stealing {$72.00} from me is greed in its finest form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Joelton, TN

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

2019-11-18

Randolph, MA

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

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

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

2019-11-18

Closing an account

Checking or savings account: Savings account

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

2019-11-18

Saint Paul, MN

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 non-monetary relief

Timely Response

2019-11-18

Belle Center, MO

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

2019-11-17

Saint Paul, MN

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: THERE ARE TWO DATES OF INQUIRIES FROM SAME COMPANY THAT WAS NOT AUTHORIZED BY ME. PER COMPANY RESPONSE, THE INQUIRY WAS BASED ON XXXX XXXX XXXX XXXX. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX XXXX THAT WOULD RESULT IN TWO INQUIRIES SHOWING UP ON MY CREDIT REPORT. I HAVE ALSO DONE MY INVESTIGATION, AND I HAVE NO RECORD OF DOING BUSINESS WITH ELAN FINANCIAL SERVICES OR XXXX XXXX XXXX XXXX. I ALSO HAVE A FRAUD ALERT ON MY CREDIT FILE, WHICH MEANS THE CREDITOR MUST CONTACT CONSUMER PRIOR TO INQUIRING OR GIVING OUT CREDIT. SO IF AN ACCOUNT WAS OPENED IN MY NAME WITHOUT CONTACTING ME FIRST, THEN XXXX XXXX XXXX XXXX AND ELAN FINANCIAL SERVICES BROKE THE LAW AND VIOLATING MY RIGHTS. BELOW ARE DATES OF THE INQUIRY. THE PURPOSE OF THE FRUAD ALERT IS TO PREVENT FRAUDULENT ACTIVITY ON MY CREDIT REPORT. PER FRAUD ALERT, STATES DO NOT EXTEND CREDIT OR OPEN ANY ACCOUNTS WITHOUT CONTACTING CONUSUMER. THEREFORE I DON'T NEED TO FILE A POLICE REPORT, UNLESS THE COMPANY WANTS ME TO FILE POLICE REPORT AND CHARGES AGAINST THEM FOR OPENING AN ACCOUNT WITHOUT MY PERMISSION. XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH 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

2019-11-17

Hamburg, MN

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 monetary relief

Timely Response

2019-11-16

Arvada, CO

Problem when making payments

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

Problem during payment process
Complaint: I refinanced my home in mid XXXX. I was given a series of checks by my title company, XXXX XXXX XXXX XXXX to pay off ALL of my credit cards. ALL have credited EXCEPT US BANK, which has become a DISASTER! I've been a LOYAL, RESPONSIBLE US BANK customer for over 12 years! I sent US BANK, VIA OVERNIGHT EXPRESS MAIL ( label attached, Tracking # XXXX ), a check for {$6700.00} ( copy of stub attached ), written by XXXX XXXX, on XX/XX/2019 to US BANK, XXXX North XXXX XXXX, XXXX XXXX, MO, XXXX ( contact address page attached ) AS DIRECTED TWICE by Customer Service and the address was verified EACH TIME. The envelope was accepted and SIGNED FOR By XXXX XXXX at XXXX ( tracking details attached ). The check was ILLEGALLY sent back to XXXX XXXX instead of the RETURN ADDRESS on the envelope with a letter ( attached ), unsigned, stating the " account number to apply the payment to is missing or invalid ''. I TRIPLE CHECKED the account number and it IS VALID! I was called by the title company on XX/XX/XXXX and told they had just that day received the check and asked me to retrieve the check so it could be resent which I did on XX/XX/XXXX. My payment was due on XX/XX/XXXX so IIMMEDIATELY went to the USPS and AGAIN SENT VIA OVERNIGHT the check to US BANK a SECOND TIME ( USPS LABEL ATTACHED, Tracking # XXXX ). It was received AGAIN on XX/XX/2019 and again received and signed for by XXXX XXXX at XXXX, AGAIN, at the XXXX XXXX address. I called the USPS in XXXX XXXX and actually spoke the the VERY CARRIER who told me that these envelopes were in fact delivered and ON TIME! Apparently the Convention Plaza address is a central receiving point and subsequently distributed to the proper building in the complex for crediting accounts. THIS HAS NOT HAPPENED IN EITHER CASE. I have called no less than 8 times and spoken to representatives, supervisors, etc but to NO AVAIL. I have spoken and messaged " XXXX '' on US BANK 'S instant messenger page and have been told they are " working on it ''. I have emailed the CEO Of US Bank, XXXX XXXX XXXX, and have been told they are " working on it ''. I even left a message on one of the Vice President 's voice mails and have yet to hear anything on this DEBACLE! In the meantime, MY ACCOUNT HAS BEEN SUSPENDED. INTEREST AND LATE FEES HAVE BEEN APPLIED ( US BANK STATEMENT ATTACHED ). And NOBODY seems to have ANY desire to rectify this horrific display of disregard, ineptness and incompetence!
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

2019-11-16

Burlingame, CA

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
Complaint: On or about XXXX, an unknown person contact Elan Financial via their website and requested an address change. When notified of the change, I contacted Elan Financial and confirmed the address request was fraud and requested my original address be re-instated. They said that the did. I continued to receive statements at my correct address. Elan Financial reported the fraudulent address to XXXX. I contact XXXX and request to dispute the address. XXXX told me that Elan had to notify them that they sent the fraudulent address and that it was fraudulent. Elan informed me that I must make this request in writing, which I did. Roughly 1 month later, I received a form letter stating that Elan did not send the fraudulent address to XXXX and encouraged me to send information backing up my claim. Note : there is no doubt that Elan sent the address. They are the only company that has ever had the fraudulent address listed for me. The XXXX credit report identifies them as the company that sent it. I sent by mail my request to Elan to inform XXXX that the fraudulent address was fraudulent and request its removal. I included the relevant portions of the XXXX credit report indicating that Elan provided the fraudulent address. Roughly 30 days later I got the exact same letter a previously, saying Elan did not send the fraudulent address to XXXX. Note that this is again a form letter that does not engage in a discussion about how the came to such a ridiculous conclusion nor did it explain why they were ignoring the evidence I provided. I then contact Elan Financial by phone. I eventually got to a person who said they would help and that I should expect written confirmation within a month. No such written confirmation came and the fraudulent address remained on my credit report. Some time later, I contacted them again in an attempt to get this resolved. This time they only said there was nothing they could do, were condescending, and eventually starting lying to get me off the phone. During this process, I also contact XXXX who eventually explained why they could not remove the fraudulent address. It is because Elan is still reporting the fraudulent address to them. At this point, I started leaning on my contacts at Fidelity Investments who co-brands the credit card. They were able to eventually reach people at Elan who professed to be able to help. I was instructed to send the same request in writing to Elan as previously. I did so and got the same form letter back. A day later, I got another letter from the office of the president that said they were no longer reporting the fraudulent address to XXXX. Another call the XXXX confirmed that Elan was still reporting the fraudulent address. A few more useless calls and we are up to today. My XXXX credit report still has the fraudulent address, Elan still denies any responsibility and despite being my credit card company refuses to address the situation in a meaningful way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-16

Arco, CA

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Charged for a purchase or transfer you did not make with the card
Complaint: Purchased a prepaid visa gift card from Kroger XX/XX/2019 for {$500.00} tried to use it and could not. 1. The magnetic stripe didn't work. 2. They said the balance was used XX/XX/XXXX in a store I did not recognize for {$490.00} before the card was even open. The card was compromised before I could even use it. How could this be? I researched and other people are having the same problem only with the US bank cards. Why are they allowed to continue selling compromised gift cards or gift cards that are easily compromised?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-16

Paterson, NJ

Managing the loan or lease

Vehicle loan or lease: Lease

Loan sold or transferred to another company
Complaint: On XX/XX/2019, I sold a leased Vehicle to XXXX XXXX XXXX and in return purchased a vehicle from XXXX. They were supposed to send a buy-out check to the lease company, U.S. Bank. XXXX took roughly 5 months to send a buy out check, resulting in default in payment to US Bank on my behalf. I have contacted The XXXX for this matter to help fix the issue. After my credit has been ruined, and check finally received, according to credit report agencies I have a late payment to US Bank in XX/XX/2019, however, vehicle was sold in XX/XX/2019. I have contacted XXXX XXXX, but one one ever reached out to me. Ive contacted US bank, the issue was never resolved. Ive done multiple credit disputes between the bureaus, but nothing has been fixed and they will not allow me to dispute it anymore. It has been very hard for me with my credit being ruined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-15

Minneapolis, MN

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

2019-11-15

Bloomington, MN

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

Timely Response

2019-11-15

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 monetary relief

Timely Response

2019-11-15

Cleveland, OH

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