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Complaint Details
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Initial Complaint
11/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Conducted a Hard Inquiry against my credit without my consent. The phone number they provided to the credit agency is a *** line.
Business response
11/18/2024
We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns about an unauthorized credit inquiry. ******** has confirmed an investigation was completed and a letter detailing the resolution was mailed on 11/15/2024. Please allow time for the letter to be delivered by the ****. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Customer response
11/18/2024
I am rejecting this response because:
It is completely inappropriate for a bank's phone line to be used as a *** phone line during non-business hours.
Initial Complaint
10/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear Customer Service,I am writing to formally express my dissatisfaction regarding the handling of my payment, which has been unnecessarily delayed. Despite previous discussions confirming that this issue would be resolved, my payment is still being held without justification.Moreover, during my recent interaction with the manager, I found their inquiry about how I intended to use the funds to be not only inappropriate but also highly offensive. Such questions are intrusive and unprofessional, and I expect better treatment as a customer.I kindly request the immediate release of my funds and a clarification of the policies regarding payment processing. I hope to see this matter resolved promptly.Thank you for your attention to this issue. I look forward to your prompt response.Business response
10/31/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns regarding a payment hold. ********* has confirmed that a verbal contact was made on 10/30/2024, and necessary steps were taken to address your concerns. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/25/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I do not recall this account, I do not owe what% is being reported on my credit report. One very suspicious thing is the credit limit is lower than the claim of owed amounts. looks fraudulent.Business response
11/01/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns regarding credit reporting. ******** has confirmed an investigation was completed and a letter detailing the resolution was mailed on 10/31/2024. Please allow time for the letter to be delivered by the ****. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/25/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have been trying to obtain a new checking account, in which I've been denied for twice now. I have never ever in my life abused or misused any of my financial accounts, yet have this horrible **** now in the system (on CHEX systems). ******** closed my account without my knowledge, without telling me, and without mailing, calling, or what not. There was no communication letting me know I had a negative balance making it impossible for me to know! The balance was negative not because I overspent or anything, but because they charged some fee I had no clue was being assessed. Never did they tell me they were going to charge it as it was supposed to be a free account as I was in college at the time. If I knew there was a negative balance, I would have paid it off to put my account in good standing again. They however gave me no chance to pay it or anything and in fact LOCKED ME OUT OF MY ACCOUNT!!! Once I got notice in the mail from the collection agency or whoever sent it, I immediately went to the bank and paid it off in its entirety. Legit the second I saw I owed money, I dropped everything and ran up to the bank to pay it off. We are talking $40 here, not some extreme amount which would constitute account abuse. I now have a ding on my Chex systems report for account abuse making it impossible to open up a new checking account. There was no account abuse here, and I want it removed off my profile as it is not right and I was given no time or notice to pay it.Business response
11/07/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns regarding opening a checking account. ********* has confirmed that a verbal contact was made on 11/06/2024, and necessary steps were taken to address your concerns. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to dispute an account listed on my credit report, as I am a victim of identity theft. I have filed a complaint with ***************** and request that this fraudulent account be removed from my credit file.Creditor Name: ELAN FINANCIAL SERVICE Date Opened: 02/01/2016 Account Number: XXXX Balance: $3,581 This account does not belong to me, and I have no connection to it.Please investigate this matter and correct the information as soon as possible. I expect written confirmation of your findings and the actions taken in accordance with the Fair Credit Reporting Act.Business response
11/06/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns about an unauthorized account and credit reporting. ******** has confirmed an investigation was completed and a letter detailing the resolution was mailed on 11/04/2024. Please allow time for the letter to be delivered by the ****. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Formal *************************** Regarding Business Checking Account Promotion To Whom It May Concern,I am writing to file a formal complaint against ********* concerning my experience with the Silver Business Checking Account promotion and the associated customer service issues.Background: I opened a business checking account on July 1st and deposited $5,000 on July 2nd. According to the promotion terms, I was to maintain this balance for 60 days, qualifying me for a $400 bonus by August 31st. I was assured that I would receive this bonus within 30 days following the qualification period. As of today, it has been nearly 51 days since that date, and I have yet to receive the promised bonus.Additionally, there was a mix-up at account opening where a personal checking account promotion was initially applied. Although I quickly addressed this error, it required additional time and effort on my part, including a trip back to the branch.Customer Service Issues: My recent interactions with U.S. Banks customer service have been frustrating. I have spent hours on hold, only to be disconnected multiple times. When I finally reached a supervisor, I encountered resistance and delays in resolving my concerns, leaving me feeling undervalued as a customer.Business response
11/04/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns regarding a promotional bonus offer. ********* has confirmed that a verbal contact was made on 11/01/2024, and necessary steps were taken to address your concerns. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/21/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I rejected a credit card offer the same day that I was approved. I called the credit card department and they informed the application was going to be rejected. 2 days later I received notification that my new credit card was being sent and a new account created. I called the credit card underwriting department, they declined to help me and said to wait 24 hours and speak to member services. I declined the credit card offer, I want my credit report to be updated and inquiry removed. I do not want the credit card offer.Business response
11/06/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns about a credit card offer and inquiry. ******** has confirmed an investigation was completed and a letter detailing the resolution was mailed on 11/04/2024. Please allow time for the letter to be delivered by the ****. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/16/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I submitted an electronic deposit check of $3400 on October 5th - one that came from a family member and was clearly not some sort of fraud. After a few days went by I still had not receieved the money and my account went into overdraft. They have continued to withhold the funds even though the money was taken from the sender's account. While doing this, they have continued to rack me up on overdraft fees that have accumulated and accumulated to well around $500. I called what was their only customer service line listed where they bounced me around to so many different departments - to ultimately be told they cannot help me.This check is still not been deposited and I am still being charged overdraft fees.I want those overdraft fees returned and my check to be deposited Name : ***** ********* ********************* ************Business response
11/01/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns regarding a deposit hold and fees. ******** has confirmed an investigation was completed and a letter detailing the resolution was mailed on 10/31/2024. Please allow time for the letter to be delivered by the ****. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have late payments from ******* HOME MORTGAGE on my credit report. I have been on time for 99% of my payments. The months that report a late payment was due to an ACH payment issue with my bank and I was never notified about it. I would like to ask if upper management could submit a request to the credit reporting agencies to remove the late paymentBusiness response
10/31/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns regarding credit reporting. ******** has confirmed an investigation was completed and a letter detailing the resolution was mailed on 10/30/2024. Please allow time for the letter to be delivered by the ****. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.Initial Complaint
10/15/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I recently discovered that two of my accounts were closed due to "inactivity" and supposedly sent to the state of ********** as abandoned property. I only found out when my monthly recurring payments to my energy provider were declined. How can this be considered inactivity if payments were being made every month? That is clearly activity.I called customer service and, after being placed on hold several times for nearly an hour by a representative named Dorisita, I was told that a check would be issued to me. However, she explained that the reason it hadnt been sent yet was because I attempted to make a payment to the energy provider, which supposedly reset the process. Does this make any sense? My account was closed for inactivity, but you cant send me a refund because there was activity? Which is it?Later, Dorisita put me on hold again and eventually told me that I wouldnt receive a check directly from the bank. Instead, she said I needed to contact the state and gave me the number ************. When I called, I was told Id need to wait two months before the state would have the funds available for me to reclaim. We are talking about $55,000 herethis is unacceptable.This situation was poorly handled at every step. Im 50 years old and have never experienced anything like this with any other bank. I explained to Dorisita that my accounts had regular activity, but she insisted that because I didnt physically go to a branch to perform a transaction, the accounts were closed. In todays digital age, being required to visit a branch to keep my accounts active is absurd. I did not notice any mail or email about this subject until it was too late. I need this assistance with 2 different savings accounts.I need you to take immediate and proactive steps to recover the funds from my two accounts and ensure I receive any accrued interest. Additionally, I expect your help in transferring my accounts from ********* to a more competent institution.Business response
10/30/2024
On behalf of *********, we express our gratitude for giving us the opportunity to address your concerns. We understand the importance of resolving any issues or inquiries promptly and efficiently. You reported concerns regarding an account closure. ********* has confirmed that a verbal contact was made on 10/29/2024, and necessary steps were taken to address your concerns. ********* followed all state, federal, rules and guidelines. If you require further assistance or have any additional questions, we encourage you to contact us at *************). Our team will be more than happy to help address any concerns you may have.
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Customer Complaints Summary
3,065 total complaints in the last 3 years.
849 complaints closed in the last 12 months.