Checking or savings account -- Managing an account -- Complaint #4513298
Complaint Overview
Complaint ID: 4513298
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Illinois
ZIP Code: 60628
Date Received: 2021-07-03T12:00:00-05:00
Date Sent to Company: 2021-07-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I called in today to file a dispute and spoke with a rude representative who got an attitude because I asked where I can send supporting documents in regards to the claim I was trying to file. As I explained that US Bank has a consistent issue with not providing any request for information before making a decision on a dispute claim ; I wanted to make sure I provided the information as best they can review the matter and complaint in full. She then came back to the line with a nasty attitude and immediately gave me a name to email the documents to. She started to give me the name as I asked her to wait while I grabbed a pen as she literally did not give me any warning or heads up that she was going to be providing me any information I would have to take down as soon as she felt the need to just blurt it out. As she gave me the name of the representative she did not offer any spelling at all and this name could have been spelled several different ways so for me to sit here and have to inquire as to how to spell a name for a formal legal dispute process which are within my rights under the account contract I have with US Bank in itself is a hassle as well as the federal and state rights I have to file this type of dispute. After giving me the email the agent was still extremely rude. She did not even tell me if a provisional credit would be issued, when it would or would not be issued, nor any estimated time frame on the dispute process she very quickly went into dismissing and ending the call. So now my concern is that why was this the process with previous complaints as to providing such said information and why is it not the process now as well as is this information just not going to provided to me versus being provided to other customers it poses several civil and federal class protections as to why this agent so choose to purposely neglect to provide this information as if US Bank already decided on the matter and thought the formalities were irrelevant.
Frequently Asked Questions
What is Complaint #4513298 about?
Complaint #4513298 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-07-03T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.