U.S. Bank

This complaint concerns XXXX Banks failure to investigate or respond to the issues raised in CFPB Complaint No. XXXX. U.S. Banks response did not answer my complaint, acknowledge the issues I raised, or provide the information I repeatedly requested. My complaint has never been that XXXX incorrectly determined the transactions were not fraud. I disclosed from the beginning that my minor child made the in-app purchases. I was calling to continue dispute claims that had already been started by another U.S. Bank representative after additional transactions posted. During the recorded call, I explained that I was continuing existing disputes. I identified the merchants, Prudent Owl and Sorcery Reels, explained that my minor child had accessed my account, explained that I had already submitted evidence from the merchants, and specifically told the representative that I did not want my child accused of fraud.…

I was called XXXX times for a debt collection within a XXXX minute time span.

US Bank recently changed their credit card rewards redemption options. There has always been a minimum of XXXX points which is fine. But now you must redeem in XXXX increments. This leaves points orphaned and requires consumers to spend more money to be able to use their points. This recent change is an unfair practice. XXXX should have access to all of their points. Setting arbitrary increments ( which are quite large ) is not a fair practice.

I have {$1500.00} left in the account but keeps getting more money added to it I have called multiple times I have verified my identity multiple times they refuse to unlock the card and release my funds and send me a new card I have even had the government agency that it goes through send my stuff and try to get it released the fact that it's still locked when I have done everything they've asked me to and then they keep telling me to call back in XXXX days is really frustrating that is money I need for my children

On XX/XX/XXXX I realized that more than 400 payments were made using my card totaling XXXX XXXXThe charges began on XX/XX/XXXX and continued until XX/XX/XXXX. I was out of the country from XXXX XXXX XXXX until XX/XX/XXXX and did not use my card for any purchases. None of the purchases were authorized by or for me. I filed a police report, case number XXXX with XXXX XXXX Police. I included copies of my airline tickets as proof that I was not in the U.S. during the times of activity of my card. My requests for restoration of my account have been denied. In addition to this complaint, I have sent a certified letter to U.S. Bancorp Executive Consumer Complaints.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Request for Assistance Concerning Form 1099-C and Debt Status Reporting by Elan Financial Services Dear Sir or Madam, I am writing to respectfully request assistance regarding an account with Elan Financial Services that has been reported as a Profit and Loss Write-Off. Although the account has been charged off and designated as written off for accounting purposes, I have not received a Form 1099-C ( Cancellation of Debt ), nor have I received clear confirmation regarding the current status of the debt. According to IRS regulations, creditors may be required to issue Form 1099-C when a debt of {$600.00} or more is canceled or XXXX and to report the canceled amount to the Internal Revenue Service .…

On XX/XX/XXXX, my U.S. Bank checking account went negative, triggering XXXX {$36.00} overdraft fees on XX/XX/XXXX. My {$800.00} XXXX deposit had, in fact, posted on time that same day I simply believed the timely deposit had resolved the issue and took no further action. I did not call U.S. Bank until XX/XX/XXXX. On that call, I explained the situation and requested a waiver. The representative initially said she had no authority and that " the computer '' had declined. She eventually confirmed with a colleague that my deposit had posted on time and that the XXXX XX/XX/XXXX fees were bank error. I told her this meant the fees that followed caused by the resulting {$72.00} shortfall needed review too. She said there was nothing more she could do, and I accepted the XX/XX/XXXX resolution as stated. Reviewing my account since, I've found this was not accurate.…

On XX/XX/year>, I canceled my XXXX XXXX XXXX purchased through XXXX XXXX XXXX XXXX. The dealer confirmed by email that the service plan was canceled within XXXX days of purchase and specifically stated that I would not be charged for the XXXX XXXX I have attached copies of these email communications as supporting evidence. Despite the cancellation, I later discovered that the installment agreement associated with the service plan remained active. To resolve the issue, I prepared and mailed a written cancellation request to XXXX XXXX XXXX, XXXX requesting cancellation of the installment agreement and review of any applicable refund. Although the written notice was mailed after the timeframe requested by XXXX, the underlying service plan had already been canceled by the dealer effective XX/XX/year>, and I had documentation confirming that no charges should have been assessed because the cancellation occurred within the dealers XXXX cancellation period.…

I am filing this complaint because U.S. Bank denied my fraud claim for a {$1900.00} XXXX transaction that was connected to a scam. The scam began when I received emails from people falsely claiming to be associated with XXXX. They then called me and continued the scam by pretending to be connected to XXXX. I have copies of the emails from the scammers and can provide them. When the {$1900.00} XXXX transaction occurred, U.S. Bank sent me a fraud-alert text asking about the transaction. I responded that I did not authorize the transaction. I then immediately contacted U.S. Bank, explained that I had been scammed, and filed a fraud claim. U.S. Bank initially issued a provisional credit, but later denied my claim. I received a denial letter dated XX/XX/year> stating that the transaction was correct as billed because I received the services represented by the transaction. That is false. I received no rental booking, no goods, no services, and no benefit from this transaction.…

I disputed a return-shipping charge of over {$1000.00} related to returning XXXX packages from XXXX XXXX XXXX XXXX I believe the charge was excessive, disproportionate, and not clearly disclosed in a way that made the actual cost understandable before the return. My credit card issuer denied the dispute and left me responsible for the full amount. I am requesting that the issuer reopen or reconsider the dispute and provide the merchants actual cost of the labels they provided me, the specific policy language relied upon, and an explanation of why this charge was considered valid.

I was a victim of an online social media check scam. I am innocent, but U.S. Bank closed my account without notice or due process. Bank staff admitted to me that they failed to follow protocol. They are now holding my legitimate employer payroll direct deposit.

I am disputing a charge of {$79.00} from XXXX XXXX XXXX booked on XX/XX/XXXX. My bank incorrectly denied my initial dispute on XX/XX/XXXX. Under the Fair Credit Billing Act, consumers are protected against charges for " services not received. '' I did not receive this service because my cruise ship was forced to bypass the scheduled port due to severe weather/tender failure.The merchant denied the refund based on a 24-hour notice policy, but notice was impossible as the port cancellation occurred the morning of the tour. The bank failed to properly investigate that performance of the contract was objectively impossible. I have attached the cruise line 's official missed-port verification letter to prove I could not physically access the merchant 's location.

I tryed to open small business selling XXXX online. I had XXXX and XXXX as my payment options. I had a person ask for piece of my Art and said the would pay XXXX for it and gave me there address in New Jersey after they said they sent it, I checked XXXX and it was not there, they informed me to check my email so, I did and it said it was from XXXX and it said I needed to call on XXXX to verify my identity to receive funds for business account and at that point they asked to screen share to figure the issue out so I did.. I was unaware until friend informed me that it was a Phish Scam bc XXXX doesn't send emails and to go through checklist. So, I did but not before it took {$270.00} from my XXXX Account through something called Bitcoin transfer and deposited a check for XXXX in US Bank and took all that out from Bank through XXXX except XXXX they did on XXXX paid to guy named XXXX leaving me with no money in no accounts for over a week..…

Request for XXXX XXXX Thank you for your willingness to submit an additional inquiry on my behalf. I understand that this request should focus on new developments rather than repeat my previous complaint. I respectfully request that the CFPB review the following issues that have arisen since my earlier complaint : 1. U.S. Bank acknowledged in writing that I received conflicting information regarding the status of my loss mitigation review. 2. During the review process, I was repeatedly informed by U.S. Bank representatives that my file was complete and under review, and a property appraisal/valuation was ordered. 3. After U.S. Bank advised that my loss mitigation review had been concluded, I received another Mortgage Assistance Packet mailed XX/XX/year>. When I later contacted the bank, I was told this mailing was automated and that no further review would occur.…

I am writing to file a formal complaint regarding the decision to close my U.S. Bank credit card account ( s ) after being classified as high risk. I was surprised and disappointed by this decision. Although I have been carrying a balance, I have consistently been making payments toward my account and have been working diligently to pay off my debt in a responsible manner. At no point have I intended to avoid my financial obligations. Closing my credit card account while I am actively repaying my balance creates unnecessary financial hardship. It negatively impacts my credit profile by reducing my available credit and increasing my credit utilization, making it more difficult for me to improve my financial situation. In addition, I am concerned about how my request for a second review was handled. During my conversation with your representative, I requested that a supervisor review the decision.…

Complaint Description : U.S. Bank is unlawfully withholding my Michigan Unemployment Benefits on my ReliaCard account. I am a fully verified worker who depends on these state funds for my livelihood.My Michigan driver 's license recently expired. I immediately went to the Michigan Secretary of State, renewed it, and was issued a legally binding temporary paper ID while the plastic card prints. I contacted U.S. Bank customer service, and TWO separate supervisors explicitly told me that my official Michigan renewal paperwork, my expired physical photo ID, and a selfie would be sufficient to unlock my account.After submitting these documents and receiving verbal confirmation from bank leadership, U.S. Bank has reneged on their agreement, changed their mind, and locked me out of my funds again. They are rejecting my legal state documents and refusing a manual override. They are denying me access to my government benefits during a critical time. I demand that U.S.…

Complaint Against U.S. Bank Mortgage Loss Mitigation I am filing this complaint regarding U.S. Bank 's handling of my mortgage loss mitigation trial payment plan, inconsistent communications, improper servicing practices, and issues related to force-placed hazard insurance. The bank 's actions have caused unnecessary delays, confusion, financial hardship, and significant emotional distress. On XX/XX/XXXX, at approximately XXXX XXXX EST, I contacted U.S. Bank to determine why my mortgage trial payment had not been properly applied, even though my payment had been sent and received. After being transferred, I spoke with XXXX, who informed me that my payment had been received but returned by mail because it was not the correct amount. She stated that the required trial payment was {$1500.00}, not {$1400.00}, which was the amount I had previously been instructed to pay on XX/XX/XXXX. XXXX also advised that a letter had been mailed notifying me of the revised payment amount.…

I am a full-time trader, and my bank account regularly has a high volume of legitimate transactions related to my work. I believe this activity may have caused U.S. Bank to flag my account for a fraud review, although the bank has not confirmed the reason. Without prior notice, U.S. Bank restricted my access to my account and all of the funds in it. I immediately contacted the bank and requested information about the restriction. I asked whether my account was frozen or being closed, the reason for the fraud review, what documentation they needed from me, how long the investigation would take, whether any of my funds could be released, and requested a case number and written explanation. Despite my efforts to cooperate, U.S. Bank has refused to provide meaningful information about why my funds are being withheld, what I need to do to resolve the issue, or when I can expect access to my money. I have not received any written notice explaining the restriction.…

An arbitration firm by the name XXXXXXXX XXXX XXXXXXXX contacted me regarding a credit card account that defaulted in XXXX. This debt is XXXX XXXX XXXX and well past Kentucky 's XXXX statute of limitations for open accounts. The representative explicitly threatened that they would place a lien on my house and vehicles if I did not make a payment. Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal to threaten a lawsuit or property lien on a time-barred debt that they have no legal right to pursue. I want this company to cease all communications and stop making unlawful threats against my property.

A merchant fraudulently took money out of my account because they had my debit card on file so I filed a fraud claim with us bank and they did not investigate it at all and just put the case in a resolved status without recovering my stolen funds or investigating the claim which my money should be FDIC insured required by law for all unauthorized transactions and in a email they sent me after filing the claim stated that I wouldnt be held accountable for unauthorized transactions On XX/XX/year> the claim was filed and they moved it to a resolved status within 3 business days without investigating the claim at all Last XXXX of Account number : XXXX Claim number : XXXX Total amount fraudulently token out my account : {$770.00}

I put my work check in the atm. They did accept my check but gave me half of my check and closed out my account after

Opened account at a branch for a signup bonus, completed all required direct deposits, bank verified compliance but refuses to pay the bonus due to an internal employee tracking error.

REGULATORY COMPLAINT : FORMAL REPORT OF SYSTEMIC CREDIT CARD FACTORING, APPLICATION MANIPULATION, AND MULTI-PARTY COLLUSION Target Entities : XXXX XXXX XXXX ( Primary Merchant Account ) XXXX XXXX / XXXX XXXX XXXX XXXX XXXX ) XXXX Summary I am filing this formal complaint with the CFPB to report an organized, deceptive financial scheme and illicit credit card factoring ring operated by XXXX XXXX XXXX and its primary agent, XXXX XXXX XXXX XXXX XXXX XXXX. This operation systematically utilizes deceptive sales practices, high-pressure coaching, and shell-company invoicing structures to manipulate bank underwriting systems, evade credit card merchant processing guidelines, and execute unauthorized transaction laundering. XXXX. Deceptive Business Practices and XXXX XXXX XXXX The principals enticed me into a program under the premise of building legitimate business credit. In practice, the operation functions as a predatory " credit card stacking '' scheme.…

On XXXX XXXX XXXX, I made a payment error of {$1000.00} from my U.S. Bank ReliaCard, which contained my unemployment benefit funds. That payment resulted in an unintended overpayment of {$720.00} to my apartment community. After numerous documented attempts to resolve the matter directly with my apartment community 's Regional Manager, who declined to refund the overpayment, I contacted U.S. Bank on XXXX XXXX XXXX to dispute the transaction and requested a provisional credit. During that call, I explained the immediate financial hardship I was experiencing and subsequently uploaded supporting documentation to substantiate my claim. A U.S. Bank representative confirmed that the documentation had been received. Despite my timely dispute and supporting evidence, U.S. Bank did not issue a provisional credit within the timeframe prescribed by 12 CFR 1005.11.…

I opened a US Bank credit card account and made two payments using my Chase checking account through US Bank 's online payment system. The checking account was linked and verified using XXXX, which U.S. Bank uses to authenticate external bank accounts. Both payments were successfully debited from my XXXX checking account and credited to my U.S. Bank credit card account. On XX/XX/year>, U.S. Bank locked and closed my credit card account, stating that it was " unable to determine '' that I was the owner and/or authorized agent of the Demand Deposit Account ( DDA ) used to make payments. I believe this determination is incorrect. The checking account belongs to me, and it was verified through XXXX during U.S. Bank 's payment setup process. After receiving the notice, I provided a copy of my XXXX bank statement showing the payment to U.S. Bank and confirming that I am the owner of the checking account. This was done on XX/XX/year>. I requested that U.S.…

I received my Credit report this year and I'm seeing Information I would like to confirm with Company. Sent a XXXX on XXXX XXXX and have not received a reply, Asked for proof of account and 1099 for the write off or Charge off which is on my credit report of {$5800.00}. No Response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

* On XX/XX/year>, I contacted U.S. Bank customer service to report what I believed were duplicate transactions on my account. The representative reviewed the transactions with me, confirmed they appeared to be duplicates, and recommended I report them, which I did. During this approximately one-hour call, I explicitly asked the representative multiple times whether reporting these transactions could result in my account or debit card being closed. He assured me, more than once, that it would not. * * On XX/XX/year>, the day after this call, I attempted to use my debit card and found it declined. When I called to find out why, I was informed that my account was being closed as a direct result of the duplicate transaction report I had made the previous day directly contradicting the assurances I had received. * * I currently have approximately {$4000.00} in this account that I am unable to access due to the closure. I am requesting that U.S.…

Someone hacked into my XXXX. The bank did not notify and added a name email address and bank account. They then withdrew money to that account. Bank would not assist me to get money back. They were rude refused to help. They blocked all of my accounts and would not allow me to use them or access them or see them They are giving me an incredibly hard time to close them. Managers refuse to respond and employees are not helpful

XX/XX/year> found my checking account with us bank was hacked. Called the bank they said they saw the request for the money and failed to notify me. Until I called and asked about my account after I went on line and noticed my account was not correct and money was missing. They said a transaction was due to go through for & XXXX today and they didnt try to stop it. I then pulled all money out of the bank .and there investigation into this matter. My account was hacked I didnt give permission. I want to sue my bank for negligence and failure to notify me.