Date Received: 2023-08-21
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX does not have my credit history. Three years ago when I first started getting ready to look into mortgages, the underwriter told me there was no score being reported by XXXX. After trying multiple numbers to reach a human to speak to, I was told to fax them proof of identity. I sent them my drivers license and pay stub with SSN as advised. After doing so, I eventually received the attached letter ( XX/XX/XXXX ). Not only did they continue to insist I do not have a credit history, as well as ask me to send the same documents I already sent them, but also stated my previous request was enclosed and needed to be sent back to them. Nothing was enclosed with this letter. I am now having the same problem currently trying to get my credit report from XXXX. Upon calling them this time XXXX XXXX ), I was told they still have no record of me and to contact my lenders. At this point, I only have two active accounts for credit cards ; XXXX and Elan Financial. After reaching out to XXXX, I was met with an employee who simply copied and pasted his script to me and did not interpret or explain my options or why I would pick one over the other. I did end up sending a dispute to this company, with a notice that it could take a month for a resolution, which is quite awhile when trying to buy a house in this market. I then reached out to Elan Financial card member services ( XX/XX/XXXXXXXX ), and was told to call XXXX because it's a problem on their end. After I told the representative that I had already done so, she checked to make sure there were no errors in my account info, which there weren't. She said I could fax or mail in a dispute and gave me the address, but I currently have no means of faxing anything. I was unsure of the address I wrote down being accurate, so I searched online to verify, and nothing comes up. I can not find any online presence for disputing with card member services, and messaging them through my account has yet to result in any communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I opened a Business Checking Account with US Bank using a promo code that would give me a {$500.00} bonus if I deposited {$3000.00} within 30 days and maintained the balance for 60 days. On XX/XX/2023, my account had the required {$3000.00} which I kept for more than 60 days until XX/XX/2023. However, I did not receive the bonus as expected. I called US Bank in XX/XX/2023 to follow up, and was told that I had not enrolled in their online banking, but I had already been an existing customer with an account with them. I was able to see and manage my business account with my existing one, and creating an entirely new account was not specified in their terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Over the years I have had the card there has been several troubling issues. On occasion when before I have the chance to make a late payment -- -I get another " punishment '' -- the card locks when I am in public using the card. Early this year I am obviously paying the card off and corresponding with the XXXX XXXX card XXXX number -- they refused the card payment. I always had to talk to " girls '' they would pass me around on phone calls!! More Punishment!!! They even hung up the phone call once!! I contacted my Attorneys and also started a complaint early this year!!! I just received another email " they want to talk again ''!!! Now the balance of the credit card is {$1700.00} dollars!!! More punishment??? I am disgusted with this intentional harrassment and ruining my credit score!!! XXXX XXXX XXXX card girls need to go Prison!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XXXX, I received an advertisement for a promotional offer from US Bank Account Card Services ( Visa Card ). In brevity, the promotional offer offered new customer/s who opened an account with US Bank to receive {$200.00} Cash Back Bonus if the customer/s spend over {$500.00} within 60 days from date of opening the account. Therefore, I applied for the US Bank Visa credit card through US Bank online website and was immediately approved. On XXXX, I received the US Bank Visa Credit Card and activated the account. Although the transaction was difficult due to US Bank website debacles, I was finally able to activate the account after over 5 attempts. Immediately following the activation I received a survey regarding the Customer Service. On the survey I shared my dissatisfaction due to the debacles and online service problems that US Bank was attempting to resolve. US Bank service representative XXXX XXXX contacted me in regards to the survey. I explained the issues that US Bank had and although XXXX XXXX remedied the issue temporarily, my second and third communication with XXXX ended in complete disarray as XXXX was rude and unprofessional to say the least. As I requested to communicate in writing for quality assurance and to avoid any miscommunication, XXXX stated that he would provide me with an email address which he NEVER did. Instead, XXXX disconnected my call abruptly and refused to resolve client/merchant issues with my account. Be that as it may, I have accumulated over XXXX rewards points equivalent to a cash value of over {$250.00}. However, US Bank and XXXX XXXX are refusing to allow me to redeem my rewards points for cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Based on US Bank 's response to complaint XXXX and the refusal to issue opening bonus to my checking account, I would like to close my banking relationship with US Bank . However, there seems to be no way to initiate account closure online or at least I could not find a way. Please close my checking account and both my US Bank credit cards. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: After closing my checking account at US Bank, US Bank fraudulently reopened a checking account in my name and continued to service the account and sent me statements starting XX/XX/. I closed my account with US Bank on or approximately XX/XX/. The account is still open at this time,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made three deposits into my checking account of money orders, which were {$490.00} each. And I deposited my check into my savings account and its been over three weeks and they still have my funds on hold. after the checks have cleared, they dont let me know. How long is my account gon na be on review or for what reason?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Unresolved Funds Transfer Issue. Dear Consumer Financial Protection Bureau, XXXX XXXX Routing # : XXXX XXXX XXXX Account # : XXXX Type : Business Checking Union Bank Routing # : XXXX Union Bank Checking # : XXXX Type : Personal Checking US Bank Routing # : XXXX US Bank Account # : XXXX Type : personal checking. I am writing to submit a formal complaint regarding an unresolved funds transfer issue that I am experiencing between my XXXX XXXX account and U.S. Bank / Union Bank The details of the matter are as follows : On XX/XX/2023, I initiated a real-time external transfer of {$2800.00} from my XXXX XXXX account to my Union Bank Account ( XXXX with XXXX ). This transaction occurred shortly after the merger of Union Bank into U.S. Bank. Regrettably, the funds have not appeared in my U.S. Bank account, despite having successfully used this method in previous instances. In my pursuit of resolution, I have engaged in communication with both XXXX XXXX and U.S. Bank. U.S. Bank asserts that they have no record of receiving the funds, despite my provision of the transaction number and reference number for verification. They explained that only tracing numbers are considered for transaction tracking. Conversely, representatives from XXXX XXXX confirmed the successful execution of the real-time external transfer but clarified that tracing numbers are not applicable to this specific type of transaction. My attempts to address this issue through the banks ' customer service channels have been unfruitful. Both institutions have shown reluctance to initiate a thorough investigation into the matter, leaving me in a state of uncertainty and concern. I provide both bank statements in this complaints. Given the complex nature of this issue and the lack of progress through conventional channels, I am reaching out to the Consumer Financial Protection Bureau for assistance. I believe that your expertise and intervention can help bring clarity and resolution to this pressing matter. I kindly request your intervention and support in facilitating a thorough investigation to uncover the whereabouts of the transferred funds. Your assistance in mediating this issue would be greatly appreciated, as it is essential in ensuring fairness and transparency. Thank you for your prompt attention to this complaint. I look forward to your guidance and assistance in navigating towards a satisfactory resolution. Sincerely, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: This is the second card Ive registered with XXXX XXXX XXXX that still doesn't allow online transactions even after waiting several days after registering to use the card online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A