Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a US Bank and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Purchased {$500.00} US Bank Visa Gift Card at my local XXXX store on XX/XX/23. Card declined upon the first attempted use. Called the toll-free number on the back of the card. The rep advised me to go on to their website and choose " my card not working tab '' and send them a picture of both sides of the gift card along with a picture of my drivers license. I complete that information and submitted. The card was never unlocked, I called back after 2 days had passed and let them know that I was still not able to use my card. They advised me to then fax a picture of the front and the back of the card along with a picture of my drivers license. I told the rep that I did not have access to a fax machine but they did have any answers for me. I am in possession of the card, the packaging and the original receipt so I am not sure what the problem may be but I can not get access to my money. Tonight XX/XX/23 I tried calling their toll free number at XXXX and could not get anyone to answer. Their website XXXX is not functioning either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: US Bank {$3500.00} Date reported : XX/XX/23 In accordance with the fair credit reporting act this creditor US Bank has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: It has the appearance of massive credit card fraud with Associated Banks VISA card that is NOT administered by Associated Bank but rather by Elan Financial Services under some type of contract or agreements between the parties. Going over all monthly statements issued by Associated Bank and administered by Elan Financial Services, there appears to be a pattern of fraud with credits issued but NOT deducted from the monthly statement balance due. The only credits shown are the monthly payments made throughout XXXX. 1. On XX/XX/XXXX a dual credit was posted in the amount of {$4.00} and {$31.00} XXXX XXXX XXXX XXXX credit adjustment. It was NOT deducted from my monthly statement due on XX/XX/XXXX XXXX. On XX/XX/XXXX a credit was posted from XXXX XXXX XXXX for {$39.00}. It was NOT deducted from my monthly statement due on XX/XX/XXXX. 3. On XX/XX/XXXX a duplicate entry was made from XXXX XXXX XXXX XXXX XXXX ( $ XXXX ) = {$58.00}. The {$58.00} duplicate amount was added to my monthly statement due on XX/XX/XXXX. 4. On XX/XX/XXXX a prov credit was posted for a FRAUDULENT transaction XXXX XXXX for {$64.00}. The fact remains it was NOT deducted but instead ADDED to my monthly statement due on XX/XX/XXXX. 5. On XX/XX/XXXX a credit was posted from XXXX XXXX XXXX. for {$39.00}. It was NOT deducted from my monthly statement due on XX/XX/XXXX. XXXX. On XX/XX/XXXX & XX/XX/XXXX ILLEGAL interest was added in the amount of {$1.00} and {$1.00} respectively on the {$64.00} fraudulent transaction stated in line item # XXXX above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: US BANK XXXX XXXX XXXX XXXX offers a welcome bonus {$200.00} statement credit to card holders who spend more than {$1000.00} within 120 days of opening their account. I discovered from my account on the US bank mobile app the last date for me to qualify for the bonus was XX/XX/XXXX. I made purchases using the card and I saw transactions posted on XX/XX/XXXX amounted to {$710.00}. Subsequent transactions were labeled as pending. Which included the following transactions listed below : XX/XX/XXXX {$51.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$59.00}, XX/XX/XXXX {$6.00}, {$4.00}, {$15.00} Total purchases made {$710.00} + {$320.00} = {$1000.00} But when I called US Bank enquiring about my Welcome bonus on XX/XX/XXXX XXXX pm XXXX Local time, XXXX by the name of XXXX, picked up the phone and told me that because of the pending transactions I am not qualified to receive the welcome bonus of {$200.00}. Take note that I have spent the money {$1000.00} using the US bank credit card within the time frame, the last day being XX/XX/XXXX midnight and I was told that I was disqualified because of the pending transactions yet to be posted to my account. It was never mentioned in the US bank brochures regarding credit card that pending transactions made within the time frame are not counted towards the total spending. I believe that I am not the only victims to suffer from unfair treatment from financial institutions. Therefore I file a complaint against US Bank with CFPB hoping that justice would be done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96822
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX I found out that I had been receiving child support and it was going into a card that I had no knowledge of. I was told in XXXX of XXXX that I no longer would be getting payments and I threw away my card. Come to find out someone requested a card in my name, received said card, activated the card and began to use the money that was on the card as well as the payments that continued to load until I realized I was receiving payments. On XX/XX/XXXX I filed I dispute on all transactions that occurred from XX/XX/XXXX to XX/XX/XXXX. The dispute team awarded me a partial refund of the miner but denied me two transactions that occurred on XX/XX/XXXX the day the fraudulent card was activated. They were both {$500.00} and at an ATM. I was denied this payment because they said the dispute was over 120 days old. That's not possible. The transactions were XX/XX/XXXX and the dispute was filed XX/XX/XXXX. That's 99 days, period. There's no way to add 21 days to that date and make it over 120 days. I have spent hours on the phone with customer service reps, some have lied to me and said they were in direct contact with the dispute team and the denial stood, others say there's no way to contact the dispute team as they are off site. I have been told that I would be receiving a call from the dispute team within 24 hours and no one ever calls. There should of never been a card sent out that I personally didn't request. The security of US Bank is a joke. 95 % of the time they fail to ask me my password. I could be anyone calling in and they have dropped the ball completely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67216
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Name of Co : U.S. Bank National Association - Cardholder Services - XXXX XXXX XXXX XXXX, FL XXXX In XXXX, I purchased a " XXXX XXXX XXXX '' Pre-Paid card from XXXX grocery store. Later that same year, I went on vacation out of the country and tried to use my card and XXXX froze the card and blocked me from using it. I contacted cardholder services and was told that the card was blocked and flagged for fraud ; and that matter would have to be addressed by the fraud department. Shortly, thereafter, I spoke to an individual in the fraud dept. My account was closed so I requested a refund of the balance which is now {$480.00}. That person told me that I would have to provide photo ID & Social Security Card. I was told that I could only send the documents by FAX and there was no " confirmation '' that could be provided when the documents are received. I was concerned about this process sending personal info without verification. I willing sent the photo ID and last four digits of social and the pre-paid card information. Still no reponse. I got a lawyer involved who also sent a letter on XX/XX/XXXX but still to this date.. no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has reported late when it has never been late and it is affecting my credit score. This score needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. This is the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45248
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I deposited {$250.00} on XX/XX/01 to open a savings account and received a text from the bank at XXXXXXXX XXXX that day acknowledging my application. Application ID XXXX. THEN XXXX since and I have spent hours demanding the return of my deposit as no savings account was opened. Numerous bank reps refused to escalate this issue and I was lied to numerous times. Only after I posted on U.S.Bank XXXX page weeks ago was this escalated. My deposit was stolen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99224
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A