Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: On or about XX/XX/XXXX a fraudulent application for credit was made at US Bank. The criminal used a fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank populated this address to XXXX who listed it as my primary residence address. I filed a CFPB complaint against US Bank and XXXX on or about XX/XX/XXXX and the issue was resolved. But now I find out the issue was NOT resolved. In addition to reporting the fraudulent address to XXXX, US Bank also reported the fraudulent address to XXXX. I have tried to contact XXXX about this and they refuse me access online. They also refuse to delete the fraudulent address unless the data furnisher, US Bank, contacts them to request removal. US Bank failed to delete the fraudulent address from all entities they reported it to even though at the time it was reported US Bank clearly new the address was from a fraudulent credit application. XXXX refuses to delete fraudulent information from my credit report in violation of the FCRA. I fully intend to bring legal action against XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: It was discovered that some online casino had taken funds out of my account without any authorization from me. The name of this merchant was luckyland Slots. Apparently they are out of XXXX. I filed a dispute and was credited {$250.00} in XXXX back onto to my USBank unemployment card. Their website states international transactions are not permitted, and online casinos are illegal in the state of Ohio. They issued the provisional credits, however, on XX/XX/XXXX I made a deposit and they took {$250.00} from my deposit. Nobody can tell me anything, or provide any information, other than something was mailed that will be received in 7-10 days. I never authorized any online casino account, in fact because these are illegal and usbank states they do not permit these transactions I thought this would be simple. However, its becoming extremely frustrating, I cant get anyone to have a call with me. I have researched this company and it states there is a XXXX XXXX dollar lawsuit pending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I purchased ( XXXX ) {$500.00} giftcards from XXXX on XX/XX/23 ( have receipt ), and utilized XXXX of the XXXX cards immediately. I left ( XXXX ) {$500.00} gift card to be utilized later. I tried to used the XXXX gift card on XX/XX/23 only to find it drained. I have physical possession of the card, the receipt, and did not give anybody this card. I have contacted the XXXX party card issuer on XX/XX/23 and XX/XX/23. On XX/XX/23, they said they were giving me a package, no package has arrived via XXXX ( been 11 days / nothing ). On XX/XX/23, they said they were issuing me a new card ( been 6 days / nothing ). They have refused to give me a case ID number, acknowledge prior calls, and just waiting for their timeline to tick down. They do not want any documents, nor do anything. The card is prepaidgiftbalance.com, issued by US Bank National Association.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called Elan Financial Institution Customer Service for Credit Card Holders over the course of the last week on multiple occasions. They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Some agents claimed they couldn't opt me out and I spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and Elan Financial Institution, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Elan Financial Institution privacy policy Specifically says they cant share information on credit worthiness. Theyve been reporting 35 months ' worth of creditworthiness information unlawfully without my written or verbal consent and that's grounds for an {$35000.00} pay out according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation, for account ending in ( 2375 ) without my expressed written consent. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reports,8 including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The XXXX and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least XXXX cases of identity theft. More recently, in XXXX, a group of companies and individuals settled XXXX allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Initially opened a IRA CD with State Farm Bank. Subsequently, State Farm Bank exited the banking business and transferred my account to US Bank. My IRA CD, now with US Bank, matured on XX/XX/2023 with a balance of {$13000.00}. I phoned US Bank on XX/XX/2023 to redeem the CD. US Bank mailed me a form to close the CD. I completed the form and sent it back to US Bank during the second week of XX/XX/2023. A month later I received a form letter from US Bank indicating that they could not redeem the CD as the CD number was excluded from their form. It should be noted that US Banks form was pre-populated with my IRA Account Plan Number, which apparently is different than the CD number. I recompleted and submitted the US Bank form on XX/XX/2023. I called US Bank on XX/XX/XXXX and XX/XX/2023 inquiring about my CD redemption. I was advised by US Bank that they were backed up and could not provide a date when I would receive my redeemed CD. It has been almost three months since my CD matured and I still do not have my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I discovered today around XXXXXXXX XXXX that my USBank account had a hold issued after my debit card was declined and my direct deposit did not process. I contacted customer support on my app and was told that I had to contact a branch directly. I contacted the XXXX branch at which time the branch manager told me all of my accounts were in the process of being closed and that there was fraud on my account, specifically the account that I opened for my minor son. I was not informed by the bank at any time that there was fraud on my account nor that all of my accounts were seized and frozen. I went in person to the XXXX XXXX location and spoke with the branch XXXX there and was told that there was nothing she could do or I could do. I was told I have to wait to for an investigation to compete and that any money owed to me will be issued in a cashiers check. This was not how I expected to be treated as I am the victim of fraud on my account and yet I am being treated as the criminal. I explained that two of my accounts are my adult kids accounts that I opened with my prior bank XXXX XXXX that was acquired by US Bank, the other is a joint account with my mother. The fraud occurred on one account yet every account with my name connected to it was frozen and I am told will be closed. This is unfair, extreme and should not be legal. I spoke with the fraud department on three occasions today and only one of them asked if I wanted to submit a fraud claim and I gave my email address to get the paperwork and affidavits to file the fraud. It is unconscionable to me that US Bank did not contact me at all to alert me to the issue on my minor sons account especially when they are attacking all accounts with my name. I have direct deposits and auto payments that will be disrupted due to the banks conduct. My sons account is not setup for payments and deposits because he is XXXX XXXX XXXX. If that was the only account with fraud that should be the only account impacted and frozen. I could not pay my mortgage today nor can I access any of my money. This is more than damaging on many levels. My XXXX other kids are punished without justification simply because my name is connected to their account. Banks are supposed to protect their customers from fraud. Instead I have no access to my money and no one informed me of anything. The fraud dept. informed me the transition that is fraudulent occurred yesterday at XXXXXXXX XXXX in XXXX, CA. I have no ties and do not know anyone in XXXX, CA. Both myself and my XXXX XXXX XXXX son were at home in XXXX, CA at that time. I have information from a friend that US Bank recently relocated from a location in XXXX to another location in XXXX upon the transfer of XXXXXXXX XXXX to US bank and I am worried that a breach could have happened at that time and compromised my account/sons account information. I also previously complained to US bank about mailing account information via US Mail. During the transition from XXXXXXXX XXXX they mailed documents containing full account numbers and the debit cards had PIN numbers in documents that were mailed. This never settled right with me because there are some cards and letters I never received. Who knows who has access to this confidential information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was sold several times and ended up being serviced by US Bank. Overall, the experience has been fine, but I want to pay my home insurance and property taxes directly instead of having them escrowed to have control of my cash flow and realize the interest on the money over the year. I contacted US Bank and they want to charge a fee over {$600.00} just so I can my bills myself. I think this is incredibly unfair especially as I never agreed to their terms and have been forced into them servicing my loan. All I want to do is stop having them escrow by taxes and property insurance premiums.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Deceptive promise, lie, false advertising : On XX/XX/2023 I responded to an invitation from US Bank to open a new credit card because it promised a " ZERO- interest balance transfer " feature. I applied for the card with a {$5000.00} balance transfer to be applied to my XXXX XXXX XXXX because it had a high balance ( due to replacing my sewer cleanout pipe to the street recently ) and the card was granted on XX/XX/XXXX, and the {$5000.00} balance transfer was sent over to XXXX XXXX However, a few of {$150.00} was charged to my US Bank card, by USBank. Even though they advertised it a " ZERO interest '', {$150.00} is exactly three percent interest on {$5000.00}. I called US Bank but they refused to reverse this fee, claiming i " should have known '' and " its there in the fine print. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94530
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have been dealing with US Bank fraud department for almost 60 days. I had a checking account fraudulently opened in XX/XX/2023. I have sent US Bank fraud department the documents with the police report number the name of the detective and his contact information. We are trying to get record copies on when the application was processed. My laptop was stolen during the time the application was done. I am trying to file charges against the person who had my laptop. I have received a letter from US Bank acknowledging the face that it was fraud. I have spoken several times with a manager of fraud XXXX was name given on XX/XX/2023. She explained that the detective would need to send an email to XXXX He has followed up with this and now the bank is stating that they need to get a warrant. Per the CFPB there is another option for myself to send an affidavit allowing the police department to get my records in order for us to prosecute. I contact fraud again Saturday and the gentleman tells me they do not have this type of form. He is actually trying to get me the information on when the application date and time was but once again I have to call them back. It takes forever to get to speak with anyone much less be transferred to several different people before actually getting the fraud department. I need help so that I can get the information to the detective that is working my case for the checking account that was opened without my consent. I get the run around when speaking with fraud. Please help me get the information needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: US Bank in our opinion purposely misled us by placing a hold on the foreclosure processing and offering a new Stand Alone Partial Claim Agreement with a trial period payment plan. This was US Bank written solution to our CFPB Complaint in XX/XX/XXXX. US Bank failed to return the new loan documents to finalize the agreement. They failed to notify us of any new changes or termination of the offer. They failed to notify us that the foreclosure hold was removed and the account is currently in foreclosure proceedings. They failed to inform us of the derogatory marks and remarks US Bank supplied to the credit reporting agencies. They continue to abuse and misuse our available partial claim funds. After several notices from US Bank informing us about our credit score, we took a look at our credit reports. We chose XXXX since that is the CRA US Bank chose to use. XXXX credit report showed a past due amount of {$17.00}, XXXX and a comment stating, " paying under a partial claim agreement ; 180 days or more past due. '' It gave the appearance that the new partial claim agreement had been approved and the account was brought current with the partial claim funds. We decided to look further and Experian credit report showed " foreclosure proceeding started XXXX, XXXX past due amount {$18000.00} ; account is scheduled to continue on record until XXXX, XXXX. We found out that our account was in foreclosure proceedings and the previous hold had been removed by reviewing our credit report. US Bank led us to believe everything was fine. We called US Bank in XXXX, XX/XX/XXXX. Lastly on XX/XX/XXXX when we made our payment it was communicated to us again that the account was still under review by their investors. Needless to say it appears the investors had already made their decision about our account based on the credit reports. What's really mind blogging is nothing was mentioned about the foreclosure proceedings nor termination of the offer when we inquired about the new loan documents. We do not understand why the US Bank refuses to bring our account current. We have enough partial claim funds available for them to do so. We don't understand the deception. We are first time homeowners, senior citizens, and people of color. We have become distressed over this matter and now we feel like we are being taken advantage of. This how we found out about the new foreclosure proceedings. The XXXX credit information The account was in forbearance and we were of the understanding that it would not be reported delinquent for the purposes of credit reporting due to COVID-19 effects and after effects.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A