Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I and my husband XXXX XXXX are victims of Identity theft. Our information has been stolen and used without permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, while grocery shopping at XXXX XXXX, my wallet was stolen out of my purse. My husband called banks and credit cards. We were in the US Bank branch shortly after to close checking account and report incident. At that time, {$24000.00} had been removed from our account. Looking at copies of the transaction this theft happened within XXXX minutes in the form of Cashiers check for {$5000.00} and one for {$4500.00} and a cash out of {$14000.00}. The cash out was with XXXX transactions approx. XXXX minutes apart at the same branch with the same teller. During this time, I received no calls or texts from the bank to authorize these transactions. This was done by just using my Driver 's license. The handwriting on these transactions were not even close to mine and I doubt that there is a person who looks like XXXX year old me! This makes me a victim of stolen identity and fraud.Weekly I went into the bank to check the status of our fraud claim. I did this for over 2 months and not one response from US Bank. Meanwhile XXXX XXXX XXXX XXXX ( XXXX ), resolved this issue and credited my account the money that was taken in the same incident. On XX/XX/XXXX, I received a letter from US Bank denying my fraud report claiming I was negligent. I consider I was a victim and that I question how a bank 's internal controls to let a person remove {$24000.00} without a red flag. What training do tellers get to prevent this happening to the bank 's customers who give them our hard earned money to protect. I feel that negligence on the part of the bank needs to be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, I signed up for Business Checking Account with US bank under the promotion code that entitled me to ( 1 ) {$500.00} if I maintained a certain balance in my account and ( 2 ) {$600.00} if I signed up for XXXX XXXX XXXX and processed X amount of transactions. I fulfilled both criteria ( and customer service reps confirmed it ). However US Bank has not credited me the {$600.00} associated with ( 2 ). I have contacted US Bank multiple times who've opened internal tickets, but this has not resulted in any action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called on roughly XX/XX/23. Don't have exact date. Regarding a {$6.00} fee. Customer service agent said he would refund fee, and after refund cleared he would close the account at my request. Later, on XX/XX/23, I see the {$6.00} was refunded, but account was not subsequently closed. Another {$6.00} fee posted. I called customer support. They stated they were unable to verify my account and unable to close the account. Hence I am contacting you. I am not paying an unwarranted {$6.00} fee. Close my account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: So, I opened an account with UsBank a few years ago, around XX/XX/2021. During that time, I did a balance transfer, and was working on paying it off. Earlier this year, about a year and a half after that transfer went through and during which I was making payments, UsBank demanded that I verify my identity by sending them tax information. I sent them a copy of my DL and my social security card, but they said that was insufficient. I've never had a credit card company ask for my taxes, so I refused. They then " closed '' the account, ie they set the credit limit to XXXX. I was worried that they might start charging interest on the remaining balance, so I paid it off. After a few months of having a positive balance, since an autopay went through after I paid it off, I eventually got them to send me a check for that positive balance. So now the balance on the account is XXXX. I asked them to completely remove this account, and they said they would, but so far they haven't done anything else. At this point, I just want my account to actually be closed. This kind of treatment is unacceptable, and I do not want them to continue to have my account on their books, especially if I can't even use it. But I can see that the web login still works, and the account still shows up in there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft. This situation is giving me hard times in my job and daily life. US BANK XXXX -- XXXX This account is reporting in XXXX and XXXX. XXXX XXXX XXXX XXXX -- > This account is reporting in XXXX only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the morning of XX/XX/2023, at XXXX am, I was alarmed to discover multiple unauthorized XXXX transactions within my US bank account. Promptly, I reached out to the bank as soon as they commenced their business hours to report the incident, clearly communicating that my account had been compromised. The bank initiated the process of closing my account ; however, during the time I spent on the phone with them, more XXXX transactions occurred, amounting to a total of {$3000.00}. Understandably, this left me greatly distressed by the situation. I diligently proceeded to follow the bank 's prescribed protocol for reporting the fraudulent activities. They offered to close my account and provided instructions for obtaining a new debit card and a fresh account. Regrettably, I found myself unable to access not only my account but also the funds directly deposited from paychecks the following week. Today, on XX/XX/XXXX, I was deeply disheartened to receive six letters notifying me that the investigation had concluded and all my claims of fraud were denied. This news left me physically shaken and overwhelmed with frustration, as it seemed that the bank was unjustly treating me as if I had intentionally initiated these transactions. It was profoundly disappointing to receive no protection or assistance, only denial, from the bank. Upon conducting some research, I discovered that this type of fraud is alarmingly common, with banks frequently denying such claims, resulting in nearly {$6.00} XXXX in denials annually. This revelation has left me thoroughly disheartened, and I am now in urgent need of assistance to resolve this matter. Over the past two weeks, I have dedicated approximately XXXX hours to phone calls with US Bank, all to no avail. Consequently, I am now in the process of filing a report on XXXX and seeking legal assistance. In the event that my case is unjustly denied, I am prepared to take this matter to the media to bring attention to the injustices perpetrated by banks. I sincerely hope that you may find my case compelling, and I am immensely grateful for your consideration and support. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. Additionally, this information meets the definition of non-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I applied for a credit card with US Bank on XX/XX/2023 and got approved the same day. I never received the card, and when I called the bank I got transferred multiple times between their different departments. After I called and told them I would like to close my account. I am still waiting for a response from them to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have hired a 3rd party representative to deal with this company because for years they have damaged my credit stating I owed money to an account I never opened no have I called to open. I legally changed my name from XXXX to XXXX in XXXX I have documents to prove this. I was also broken into twice and have police reports and have reported this and identity theft. They have lost the power of attorney. They havent responded for months. I called and submitted a fraud claim and nothing. They continue to ruin my credit with this charge off that I never opened and have submitted evidence. My poa has emailed : XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX and nobody assumes responsibility. This account needs to be remediated and removed for fraud and they cant even organize their own departments and get this done. Its a complete violation of my rights and I will proceed to sue them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A