Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX XXXX. I am reaching out for help because US Bank whom I had XXXX credit cards with but paid off and closed in XXXX and XXXX continue to damage my credit report. About 5 years ago I became extremely ill and could not work for about 6 months. I had XXXX credit cards at the time, XXXX from US Bank. I called US Bank and explained my situation and asked them to please lower the high interest rates, they would not at all. I had to use my credit cards to survive. When I got better, the amounts were high and I had to figure out how to repair my financial situation so I reached out to a credit/debt support company, XXXX XXXX XXXX XXXX ) XXXX. They helped guide me to pay off agreed amount with the credit card companies. US Bank was quite difficult to work with even though I had been a good client of US Bank for over 15 years. I paid off all the agreed upon amounts and confirmed that my cards were closed. My other credit card company accepted and was professional. US Bank, even though they received all the money, continued and to this day continue to damage my credit. The " Debt '' section of US Bank Credit Cards, does not allow a person to call or even email with questions or to discuss. They only accept mailed letters. I have asked them in past to please drop their penalities on my credit through letters and they refused. I even hired XXXXXXXX XXXX ( financial assistance ) to help try to repair my credit but this was just money wasted trying to figure out how to repair my credit damage caused by US Bank Debt Section : XXXX Disputes for US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX, I sent another certified letter that I still on XX/XX/XXXX have NOT received a written response back. I called the US credit card customer service and they told me that again she saw that the Debt section had rejected my request for them to please remove the damage and penalties to my credit as they were paid in full by XXXX. And again, I was told my only way that I can " talk '' to them is through lettered mail. This seems incredibly unjust to me as it keeps them on a pedestal where they can continue to not have to answer to customers they are penalizing unfairly as they just can ignore customers without real explanations if any at all. Basically, they just ignore and cause destruction to people 's financial credit and hope. And, this is exactly what they have done and as a result my credit score has continued to be damaged for years by them unjustly as like I said, they received all their money and I closed those credit card accounts years ago. I really appreciate your time and hope that you can help me. I feel like this in incredibly unfair and unjust. I look forward to hearing from you and am happy to answer any questions that you may have. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Per promotional flyer from US Bank, I opened a new business checking account with {$3000.00} with the promise of receiving a {$500.00} bonus for maintaining a balance of the {$3000.00} for 60 days. I have done so and not withdrawn any funds since opening this account on XX/XX/2023. However, US Bank charged me a fee of {$6.00} for mailing me a bank statement on XX/XX/2023 which took my balance below {$3000.00}. I was told when opening this account there were no fees of any kind and I have never been charged a fee for a bank statement from any bank my entire life. I received a refund for the 2 months they charged me for. I can only assume this is how US Bank feels they are not obligated to pay the bonus. In addition I was not allowed to make any additional deposits to this account, hence US Bank plays the gotcha game.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX didnt pay full interest amount of stated APR XXXX 3.5 % for 3 months for XXXX money market account. Also only paid 89 days of interest, lacking 1 day of interest payment. About {$57.00} lacking XXXX XXXX to XX/XX/XXXX. About {$14.00} lacking XXXX more day of interest owed for XX/XX/XXXX for ninetieth day of term. Reported to bank this discrepancy 3 times by phone in XXXX, XXXX and XXXX. No response received. XXXX opened XX/XX/2023. Funds transferred to new CD account XX/XX/XXXX. Balance of {$1.00} kept in XXXX money market account until closed XX/XX/XXXX, XXXX owes about {$71.00} it underpaid in interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Fidelity credit card that I used for everything and I always pay my bills on time. I paid beyond the minimum balance that was due. In my XXXX bill, Fidelity charges me a late fee of {$30.00}. I was very ill and was in the hospital for a few days. When I got out, I tried to get up on all my bills, but fidelity do want to hear the reason why my payment was one day late, just one day. I called to explain to Fidelity and ask for the late fee to be removed, I was told over and over there is nothing they can do. I believe it unfair for a credit card to charge a late fee when a customer is very ill, I did not refuse to pay the bill, I paid it with extra on it but I am only asking Fedility for the late fee to be waived. I am having some economic hardship and I still am making my full every month. Wavie a late fee of XXXX will not send Fidelity into bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Back in XXXX there were some international transactions that were not authorized by me. The bank issued provisional credits due to the issue. This is where my unemployment is direct deposited. It took XXXX to receive my unemployment, then once I get it, the bank took the {$250.00} it had credited me XXXX months ago. I contacted them, but they indicated that no one had made any notes, so they had no clue why the funds were taken. Im legally XXXX. They claim they sent me something, but they never did, I need. That money back in my account. See this institutional states clearly states that they do not allow international transactions. These were transactions that were made in XXXX. This was clear fraud. I thought it was handled. But its not, no one I talk to knows either.
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: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I got a new US Bank small business credit card on or around XX/XX/2023. I used it normally for a couple of months, and then US Bank decided to close the account right after I had met required spend to earn the sign-up bonus, depriving me of all my rewards I was due. I have tried to contact them to have my account reopened multiple times, and I have been promised callbacks from managers multiple times, but no one ever calls me back, and my account remains closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37343
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: 2023-08-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX president contacted US Bank for the first time about two unauthorized amounts of {$160.00} that came out on XX/XX/XXXX and XX/XX/XXXX. These charges seemed to correlate with the time that XXXX XXXX switched over to US Bank. He spent countless hours on hold and on the phone talking to US Bank fraud department and calling the supposed merchant XXXX on XX/XX/XXXX, XXXX, XXXX with no success. When that was ineffective I XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) went to the bank in person with XXXX on XXXX and spent hours trying to rectify the situation. In the end US Bank fraud department refused to refund these fraudulent charges. We have since closed our bank account on XXXX XXXX, XXXX and changed banks to avoid any further fraud, but we still want to recoup this money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have a hard inquiry from us bank that I did not do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
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: 2023-08-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In the XXXX XXXXXXXX XXXX XXXXXXXX, I reached out to Fidelity by phone regarding an erroneous foreign transaction fee on their Fidelity Rewards Visa Signature Credit Card. The customer service representative assured me that he would alert his superiors about the inconsistency between Elan Financial Services website and their actual procedures. Yet, the website has not been updated since. Elans site, under the Credit Card Terms Disclosure, claims that there is no foreign transaction fee. However, they impose a 1 % fee on all overseas transactions. By law, Elan should provide and adhere to a fee schedule for their credit card users, but they fail to do so, which appears to breach federal regulations. Link to credit card website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Disclosure of Credit Cars Terms website can be opened from Fidelitys website by clicking on the No annual fee hyperlink, located directly above Apply now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XXXX, 2023, I opened US Bank XXXX checking account with a premise to receive {$300.00} or {$500.00} opening bonus with qualifying activities, final amount of the bonus depending on amount of direct deposits received to the new account. I met all the requirements and easily exceeded minimum direct deposit requirement by the end of evaluation period, and based on the account opening date, the opening bonus should have been deposited to my account on XX/XX/2023, at the latest. However, I have not received the bonus and have been unable to get help from US Bank in resolving this.
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: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A