U.S. Bank

I am filing a complaint against US Bank regarding excessive overdraft fees charged to my checking account between XX/XX/year>. During this period, several small transactions posted to my account over a weekend and were not processed all at once, but rather posted individually over several days. As a result, I was charged 7 separate overdraft fees of {$36.00} each, totaling {$250.00}, on an account balance that was only overdrawn by approximately {$5000.00} before these fees compounded the deficit. The overdraft fees themselves are what drove my account balance to over - {$400.00}, far exceeding the actual amount I was overdrawn. I called US Bank to dispute these fees and was told they were not eligible for waiver without further explanation.…

US Bank not reimbursing fraudulent ATM withdrawals. Checking acct. co-owner had wallet stolen from her home overnight on XX/XX/XXXX. Report to XXXX XXXX WA XXXX XXXX XXXX case # XXXX. US bank notified XX/XX/XXXX that bank cards were stolen, hold placed on checking account. Fraud case opened XX/XX/XXXX case # XXXX. Told by agent case would be handled within 3-5 business days. Two weeks later when funds had not been reimbursed by US Bank I was told the fraud case had been closed, no notes. I was transferred several times on several different occasions while trying to resolve issue with the Fraud Dept at US Bank ( XXXX ). Contacted my local branch and branch manager XXXX XXXX XXXX ID # XXXX branch XXXX to help me escalate and resolve. XXXX said she would take ownership and contact Fraud dept on my behalf. No return phone calls from XXXX, even after several voice messages left.…

I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

emergency expedited complaint against U.S. Bank due to an out-of-market account freeze causing an imminent homelessness XXXX am a resident of Oklahoma XXXX, OK XXXX and opened this U.S. Bank account 6 months XXXX legitimate {$5000.00} pre-settlement loan wire transfer was deposited into my account .. Because I recently had to update my phone number and password, and pin to access the app, U.S. Bank 's automated fraud XXXX XXXX locked my account. Front-line fraud agents tell me my only remedy is to walk into a physical branch to verify my identity. However, U.S. Bank has XXXX physical branches in the state of Oklahoma.I am completely stuck. I have spent hours on the phone with customer service, but my file is trapped in a back-office " non-customer contact environment '' that will not accept calls. I am currently facing an immediate housing emergency because I can not access my funds to pay for lodging.

Checking account with US bank. I explicitly requested in XXXX of XXXX that overdrafts were NOT allowed and asked to have overdraft protection XXXX. I was reassured it was turned off and I was refunded my overdraft fee. Now in XXXX of XXXX, I find out theyve lied and its been on and they have now overdrafted me and charged me overdraft fees of {$360.00} when they were explicitly asked NOT to allow overdrafts. The phone conversation was recorded and theyre able to access it. They refuse to rectify the problem. Giving the run around and constantly hanging up when you call customer service to discuss it. Horrible experience.

I received a letter on XXXX XXXX stating that my account was closing .I would receive my money in cashier check .Almost two months later I have not received my son XXXX check nor any information why his money is being held.

This is in relation to the compliant that was never resolved and I ended up putting my feedback on the matter. I am just going to repeat the feedback I put right here for the sake of my exhaustion trying to get access to my money already as it stands. It is in the relation to case : XXXX This was my feedback : Status Feedback provided on XX/XX/year> Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS The company said in the paper that they were going to release my money to me within 15 days. It is now XX/XX/year> and I have still not received my funds. Someone called me from their company today asking how my company was doing, I asked them why are they calling me, and they seemed clueless... like why am I getting calls from U.S.…

Today XX/XX/year> marks over a year since this all began. I have requested arbitration 4 times now. No response. I have given the company all documents. The state of TN submitted the documents. The company has refused to follow the terms of the contract by refusing arbitration and refusing communication other than unrecordable phone calls.

U.S. Bank Allowed Unauthorized Checks and Duplicate Check Presentment on My Account I am filing a complaint against U.S. Bank regarding unauthorized checks that were paid from my personal checking account and repeated failures to prevent duplicate presentment of the same check. Two checks in particular, check XXXX XXXX XXXX XXXX XXXX XXXXXXXX, were never written, issued, or authorized by me. Despite this, these checks were presented against my account. Most concerning, check XXXX XXXXXXXX was processed and debited from my account twice for {$400.00} each, even though it was the same unauthorized check. This is not the first time I have experienced duplicate check activity on this account. My account history also shows repeated activity involving unauthorized check XXXX XXXX, which was presented multiple times even though I never authorized or issued that check. I have reported these transactions to U.S. Bank, and the bank has opened an investigation.…

I am filing this complaint against Elan XXXX XXXX due to improper interest charges and fee calculations resulting from payment processing date discrepancies. I submitted payments prior to the due date to maintain my grace period. However, Elan 's processing schedules caused delays in posting dates, leading to erroneous interest charges being assessed on my account. I have attempted to resolve this issue directly with Elan XXXX XXXX on multiple occasions : I requested and downloaded complete payment histories, posting dates, and billing statements to verify my compliance with the grace period timeline. I contacted Elan customer support by phone to dispute these charges and explicitly discuss the posting date delays. The phone conversation was recorded for my records. Despite providing evidence that payments were initiated on time, Elan has failed to correct the interest charges and billing errors.…

Issue Summary : I complained once & they fixed it for XXXX month, but, for the past approximately XXXX years, U.S. Bank has been misrepresenting my credit card rewards. Their Cash Back Optimizer dashboard shows my 5 % and 2 % categories as activated and displays my spending totals inside those activated categories. However, the rewards ledger consistently pays only 1 % on those same transactions. This is a deceptive interface and an unfair practice that has caused ongoing financial harm. Details of the Problem : Every quarter, U.S. Banks dashboard shows : My 5 % categories activated My 2 % grocery category activated My spending totals inside those categories A clear implication that I am earning the bonus rate But when I check the actual rewards ledger, U.S. Bank pays only 1 % on these transactions, even though the dashboard itself places the spending inside the activated bonus categories. This is not a merchant coding issue. This is a misrepresentation issue. U.S.…

I disputed a transaction because I was charged an incorrect amount. XXXX acknowledged my dispute and issued a temporary ( provisional ) credit to my account. However, I was then informed that I could not use the temporary credit because my account had a separate returned payment that was unrelated to the disputed transaction. I am requesting that XXXX XXXX XXXX immediately release the provisional credit that was issued for my billing dispute, or provide a written explanation identifying the specific policy, cardholder agreement provision, or legal authority that allows the credit to remain restricted because of an unrelated returned payment. The disputed charge and the returned payment are separate matters, and I am requesting access to the provisional credit while the billing dispute investigation is pending.

I respectfully request that the Consumer Financial Protection Bureau investigate U.S. Bank National Association 's mortgage servicing practices, escrow administration, and the accuracy of representations made concerning my mortgage loan. I am currently involved in pending litigation concerning this mortgage loan. During my investigation, I have identified significant questions regarding U.S. Bank 's servicing records, escrow administration, communications with third parties, and the factual basis for representations made concerning my loan. My homeowner 's insurance company has represented through billing statements and its online customer portal that my homeowner 's insurance premiums are paid through an escrow account by my mortgage company and has identified U.S. Bank in connection with my homeowner 's insurance policy. However, I have personally made homeowner 's insurance premium payments, and I have repeatedly questioned the accuracy of those representations.…

My bonus account was unexpectedly closed without notice and I was unable to redeem my cash back rewards I had and never received my bonus spending reward due to this as well. In total of somewhere around {$830.00} has now been lost and the company refuses to do anything about it.

This complaint involves fraudulent charges to my debit card XXXX with US bank. I believe these charges were committed via card skimming. Upon discovering these fraudulent charges, they were reported to US Bank. US Bank did credit my account at that time for these charges, but then subsequently charged them back to my account because, they stated did not receive a form I had to sign. I explained that I never received this form, and they proceeded to dismiss claim by stating it was sent, and one gentleman I spoke with stated " you probably threw it away ''. Again, these charges were charged back to me after initially crediting my account the disputed charges. They have no receipt of me ever having received this document, and I never signed for a document being received. Upon call them back again, they stated they would resend the document ; however I still have not received anything, and the case was closed.…

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting practices of U.S. Bank Home Mortgage regarding my FHA mortgage. I entered a COVID-19 Recovery Standalone Partial Claim in XXXX and successfully completed all required trial payments. In its written response dated XX/XX/XXXX, U.S. Bank acknowledged that an oversight in its new loss mitigation system prevented completion of my approved Partial Claim. The bank also acknowledged that it sent documents containing incorrect dates and that, because of its own internal servicing error, the loss mitigation process had to be restarted. Despite admitting these servicing errors, U.S. Bank has refused to correct the negative credit reporting associated with my mortgage. My concern extends beyond the current reporting of late payments in XXXX and XX/XX/XXXX. I believe the credit reporting reflects the same underlying delinquency twice because the original loss mitigation process failed due to U.S.…

My wife and I started a forbearance with US Bank in XX/XX/year>. We started a XXXX month temporary payment plan in XXXX as our hardship was resolved. We made the first XXXX payments but missed the XXXX as our daughter was in the hospital for over a week and we took off of work to be with her. This is the first TPP that we have been on that I am aware of. After the missed XXXX payment I was told by US Bank that I could not make a payment on our mortgage account. I called US Bank after the XXXX was closed out and was told we could not apply for a second one because " FHA does not allow a XXXX temporary payment plan ''. Even though someone I had spoken to previously said we could reapply for a XXXX I spoke with US Bank again last week and was told we did not qualify for any repayment programs and our only option is to pay the forbearance balance in full which is over {$15000.00}.…

I get married XXXX XXXX lucky me, I'm XXXX. So I took an {$8000.00} loan out on the XXXX, XXXX deposited it into my US Bank account. The morning after the next come XXXX days later, and I see after just enough time to wake up, money gone and a bank app alert was sent to me for XXXX at first, then it was XXXX different {$2500.00} withdrawal transfer attempts! So I get dressed XXXX as I do this pretend Agent XXXX XXXX ( XXXX ) calls me that I need to go to the closest branch, that there was a current fraud attempt being investigated. That I needed to take my money from savings, fly to the bank to retrieve it asap. And soon while driving there maybe halfway to XXXX, me and my husband to be watched my $ disappear from my account balance on my phone! Help!

Complaint Summary This complaint concerns U.S. Banks repeated use of a proprietary XXXX score identified in its adverse action notices as the XXXX XXXX XXXX XXXX XXXX XXXX to deny credit line increase requests, while simultaneously soliciting the same consumer for additional credit products through preselected mail offers. The pattern reflected in the attached chronology shows a decisioning system that is opaque, internally inconsistent, and presented to the consumer through adverse-action reasons that do not fairly describe the actual condition of the consumers credit file. U.S. Bank has repeatedly refused to allow normal growth on an existing card account even though the account has shown substantial purchase and payment activity, including several months where purchases and payments exceeded the cards stated credit limit of {$1000.00} over the course of the billing cycle. Instead of granting reasonable growth on the existing relationship, U.S.…

I have inquiries on my report that i did not authorized, all which are hard inquiries and impacting my credit negatively. I did do any of these and i need them removed off my credit report.

I made an online purchase and received a text from XXXX saying : " XXXX : USBank Alert : IS XXXX at ( address ) on XXXXXX/XX/year> valid? Reply 1 yes 2 no. '' ( abbreviated ). I replied 1 ( yes ). I received a text that said : " FreeMsg : USBank Alert : Thanks. Your transaction was declined. Please retry now. Call XXXX for questions or STOP to opt out of ALL Account Alerts '' ( exact text ). When I called this number back my phone warned me that this was a scam number. I called US Bank directly and was told that the transaction had been processed, after I was asked to provide much more information than I typically would to verify my identity ( a full card number or full social security number ). I asked if the text I received was fraudulent and the representative would not answer this question. I asked if I could have information that could identify that the person I was speaking to was from US Bank ( an employee number ) and was told no.…

XXXX XXXX XXXX- Account Takeover On XX/XX/XXXX U.S. Bank allowed {$15000.00} in fraudulent, counterfeit out of state checks to clear. The perpetrators took over my online banking and locked me out. U.S. Bank has closed my profile, Denied my claim, and left me completely destitute despite clear physical proof that I was a victim of XXXX. I was contacted by a person claiming to be a US Bank XXXX XXXX XXXX. He knew my account details. After many phone calls and receiving authentic U.S. Bank fraud alerts and emails while speaking with him he convinced me that he was helping protect my accounts from fraud. He eventually moved money between my accounts, created, and negotiated XXXX fraudulent checks, made unauthorized debit card purchases, changed or attempted to change account information and ultimately emptied my account.

I have twice requested US Bank in the past month to have the number to which the XXXX step verification code is sent to be changed as the number on file is not up to date. Each time the customer service representative affirmed that my account was updated with the current cell phone number for the XXXX step verification process. Each time the old number remained when I tried to access on line banking. I can not access my account and I suspect that this financial institution has added derogatory remarks on my credit report. This is all regarding {$20.00} dollars in charges.

PROBLEM SUMMARY : I am filing this complaint due to US Banks complete failure to properly investigate an unauthorized transaction total alteration, as well as a repeating pattern of improper dispute rejections. WHAT HAPPENED : Merchant altered a completed transaction total without my authorization of a {$110.00}. The original total was supposed to be {$76.00}, but the merchant added an extra {$35.00} without my knowledge or consent. I filed a formal transaction dispute with US Bank. The bank initially issued a temporary credit, but later reversed the credit, taking the {$35.00} back from my account and siding with the merchant without providing any evidence that I approved the altered amount. WHY THE BANK IS IN VIOLATION : XXXX. Failure to Conduct a Reasonable Investigation : Under federal law ( Regulation E for debit cards/ Regulation Z for credit cards ), banks are required to perform a meaningful investigation into unauthorized charges and amount alterations.…

Trying to report identity theft and unauthorized transactions. Unsure who is using accounts and Social Security nunbers. Irs fraud and identity. Trying to get information for these dates in XX/XX/year> and prior to and after. Bank sold debt to unknown debt XXXX and sold information to third party 's.

I am a US Bank customer and I used their mobile application to initiate a wire to XXXX XXXX XXXX for the amount of XXXX XXXX USD. On the final step their application told me that the wire was unable to be processed and to call an XXXX XXXXXXXX. I called the XXXXXXXX XXXX and explained what had happened. The person told me they would initiate the wire, which she did. She told me that I would be getting a call for verification. While on the phone with her I saw I was getting a call from US Bank. She asked me to hang up and take the call as it was probably the verification call. I took the call and completed the verification. XXXX XXXX mins later I received another call asking to verify the wire. I explained to the person that I had just done this about XXXX mins earlier. She explained that it was normally for them to do the verification call twice, so I went ahead and did the verification.…

On XX/XX/XXXX offer ( expiring on XX/XX/XXXX ) was emailed to me : " You may designate up to XXXX % of your credit card line ( {$100.00} minimum ) in credit card purchases and split purchases into equal monthly payments and pay no interest for up to XXXX months ( XXXX ) ''. Purchase was made for {$3300.00} on XX/XX/XXXX ( XXXX office charge ). On XX/XX/XXXX logged into my account, clicked on XXXX. It says : THIS ACCOUNT ISN '' T ELIGIBLE TO USE XXXX. Called ELAN XXXX XXXX, was told by XXXX XXXX XXXX that purchase is eligible, but she can't fix it so she promised me a phone call from XXXX in couple hours. It did not happen. Called om XX/XX/XXXX. Another XXXX confirmed eligibility for XXXX and transferred me to XXXX to fix it. XXXX told me that there is a list of " eligible purchases '' that she doesn't have and can not provide. This company did the same " XXXX XXXX XXXX '' in XX/XX/XXXX to me ( statement attached ), eventially honoring their offer after CFPB contacted them.…