Date Received: 2023-09-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: When I was working as a teen, I opened a bank account at US Bank on XXXX XXXX in XXXXXXXX XXXX. I had to open the account with my mother because I was under the age of XXXX, and they would not allow a minor to have sole ownership of an account. When I went to college at XXXX in XXXXXXXX XXXX in XXXX of XXXX, my mother moved to XXXXXXXX XXXX. Before relocating, I had called US Bank and requested my name be removed from the account because I was not longer going to use the account since I was a full-time student and did not have access to a US Bank because they do not have any XXXX locations XXXX I was informed that I could not remove my name form the account over the phone. I had asked my mother on several occasions to please removed my name from the account while she was in TN, but she claimed she had already done it and since she had changed the password to the account, I no longer access to view my account online. As the months passed, I had less and less communication with my mother as she was not mentally well and was starting to act erratically and was no longer able to help me pay for school, stopped paying my cell phone bill and my service was disconnected. When school ended, I went to live with my aunt in XXXX XXXXXXXX XXXX and started working at XXXX XXXX. My aunt took me to her XXXXXXXX XXXX to open an account when I found out that they were unable to open an account in my name or even with my aunt as a co-signer because my account with US Bank had been charged off. I was in shock and had no idea there were issues with my account as I no longer had access to it and was not receiving statements. My aunt, immediately, drove me to US Bank to find out what had happened and they explained that in XX/XX/XXXX, there had been 2 checks written to my mom by a cleaning company and they had placed a stop payment on both checks after my mom had withdrawn a little over {$700.00}. They had been sending her mail to the previous address, but she was not receiving them because she had not left a forwarding number. After much pleading and escalating to remove my name from this account and relieve me of the financial burden of the {$700.00}, they sent me a letter letting me know that they could not remove my financial responsibility and that the bank hold would continue until the charged off account was paid in full. Even though they understood that I had nothing to do with those transactions and was not even living in XXXX or near a US Bank where I could walk into bank and request the account be closed previous to this happening, they refused to help me remove myself from the situation. They even said I could have removed myself from the account, after time and time again, I was told I could not remove my name from the account. Apparently, I could have closed the account without the other co-signor on the account, but not remove my name. I learned of this after I received a reply that they would not remove my name. It is very frustrating that they are holding me responsible fore something I had no control of and had nothing to do with the transactions and they know it. US Bank should do the right thing. They are hurting my credit, which would otherwise be good. I am a young person who is responsibly, XXXX XXXX XXXX as an XXXXXXXX XXXX student at XXXX and I cant even take out a student loan without my aunt co-signing on my loan. What US Bank is doing to ruin my financial credit worthiness should be illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Went through XXXX with XXXX, and according too the XXXX company myself nore USBANK. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons USBANK, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too USBANK, supposedly Attorneys. At first they claim USBANK, said the accounts were not there's. Then a week before the Judge ruling USBANK through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " USBANK Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? USBANK Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I opened a U.S. Bank Credit Card in XXXX. They offered a fraudulent promotion that few people could use. It was an Altitude Connect Visa CarXXXX for which I was offered a XXXX limit and had to spend XXXX in three months to get their offer. I realized that I couldn't get the offer without going over my usage. So in XXXX, I had a bill for which I had to pay. The bill was for roughly XXXX I paid for bill with the credit card XX/XX/XXXX. Because I knew my due date was XX/XX/XXXX and statement date was XX/XX/XXXX, I knew I had to pay off that balance immediately. I paid XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I received an XXXX alert thar my usage has increase. I call on the phone to resolve the matter. Nothing was resolved. My current balance is XXXX and has been that way since XXXX. I am disputing the amount reported by US Bank and for them advertising something clearly would cost a consumer to use. A XXXX point drop on a credit report takes years to address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute against XXXX XXXX XXXX on XX/XX/23. Long story short, the bank screwed me around so severely about the dispute that I ended up closing my account. Later they realized their mistake and sent me a check for the disputed amount ( {$140.00} ). But for some reason, they reopened my account without my permission to bill me for that amount without telling me why or giving me any reason why that happened. I contacted the bank about it and they told me the hotel is arguing back so they reopened the dispute. They told me what the hotel said, and it is 100 % lies. I spent so many hours dealing with this in the first place and chose to close my account. I never asked for my money back but they voluntarily gave it back to me. Now I'm back in this mess and also am finding out that if I don't pay the bank the {$140.00}, and nothing is resolved, it could go into collections and mess up my perfect credit. Additionally, this is not good for my mental health. I would have been fine putting this mess behind me, but they paid me back and now I'm back in it. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hired construction company Vendor for service in XX/XX/2023, I paid the vendor in full as per contract using my US Bank VISA Credit Card. The company did not complete the work as contracted by date of completion XX/XX/2023. I contacted US Bank credit card and worked with their fraud Card fraud team for return of the funds. I provided all requested documents as requested by US bank to complete my claim against the vendor. US Bank confirmed documents as received and provided me with a Provisional Credit for funds I paid the vendor, pending a 90 day review. The process has moved into a second 90 day review. As per my credit card purchase protection I should receive reimbursement of the provisional funds to be released to my card as a XXXX fraud liability event.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX I had perfect credit I then went to XXXX XXXX XXXX XXXX XXXX I met a girl who was a XXXX XXXX she told me that she could get me released early so I gave her my information and she begin to use my information inappropriately she opened an account with US Bank, and XXXX XXXX when I was released I filed a police report. I sent it to all the bureaus and ever since my credit has been restricting me to uncomfortable living conditions as a result of some inaccurate information there is over 57 addresses on this report a clear indication that something is incorrect when I have been at only three locations my entire life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I opened a 0 % credit card account and transferred XXXX balances. One had the incorrect account information and credit card name. A check for XXXX was issued to XXXX XXXX XXXX XXXX XXXX, XXXX KY XXXX- I have no account with XXXX XXXX. XXXX XXXX sent a letter to Elan Financial Services ( the new 0 % apr card ) saying they could not find the account on XX/XX/2023. The check was cashed the following day on XX/XX/2023 by XXXX XXXX even though I have NO ACCOUNT WITH THEM and they asked for account verification. On XX/XX/XXXX I was sent a copy of the letter from XXXX XXXX requesting my correct account information. I have been out of town and opened the letter yesterday along with an account statement from Elan showing the balance transfer went through. I have contacted both Elan Financial Services and XXXX XXXX numerous times today with no results. Both are pointing the finger at each other. XXXX XXXX will give no info as I have no account, Elan says they can not cancel the check since it was cashed. I will be very grateful for any help with this matter. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX at XXXXXXXX XXXX I made a deposit to a US Bank branch. This machine had an error And did not credit my account. I went into the branch and they said that they could not do anything because They do not service theATM machine. they instructed me to call US Bank directly and make it a claim. Ive been calling almost every day for the past nine days and still have not received any provisional credit nor a response from the bank. The amount was {$1500.00}. I need to pay bills and rent and I might lose everything. Every time I call they said they will get back to me within 24 hours and I have not received any thing yet. I was hoping to contact someone else such as CFPB to expedite this process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/2023 Status request on US Bank replacement of pre-purchase inactivated gift cards Dear Sir or Madam, Between XXXX and XXXX I purchased these US Bank gift cards from the grocery store. The card numbers are : XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} I was unable to use each of these cards. When I called the XXXX XXXX number on the card I was informed that these cards were inactivated prior to my purchase because of suspected pre-purchase fraud and that I needed to submit a replacement request via the website aXXXX XXXX During this period I requested replacements via the upload feature on the website with all required documents. I received one replacement card with a value of {XXXX}. I do not know which card this replaces because no information was enclosed with the replacement card. Replacement card XXXX XXXX XXXX XXXX {XXXX} The current total difference in value between what I have paid for the XXXX inactive cards and the XXXX replacement card is {$2000.00} ( {$2500.00} spent {$500.00} returned ). I do not know what has happened to these other cards. It is impossible to obtain information from US Bank XXXX XXXX because when the card is inactivated the website displays an error message and when I call the cards are inactive so there is no way to determine status. After submitting the information requested to the web portal at XXXX there is no way to know the status of the replacement process until a replacement card arrives, if it does. Since I can not obtain this information from the vendor, please can you follow up to ascertain the status of the cards above and ensure that outstanding replacement cards are delivered. Thank you for your assistance. Yours truly, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A