Date Received: 2023-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Week of XX/XX/XXXX card declined and overdraft privileges denied. Account remains in closing status. XX/XX/XXXX ATM deposit mad and no part of funds released. XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX issued unresolved. Bankers including two branch managers and an account rep unable to determine why account is closing. Online bankers transfer me to the same departments and no supervisor will speak with me. I was not able to pay rent on XX/XX/XXXX. Car payment is not paid. Auto insurance lapsed. I pay money to cash my check. Risk management initiated the hold.
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: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The companies receiving this complaint are inaccurately reporting multiple accounts and continue to do so although other consumer reporting agencies have removed these items and I have submitted proof that they have deleted these items as of XXXX of XXXX. 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 consumer 's 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 consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' US BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to sub section ( 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. '' So again, US BANK the financial institutions and the consumer reporting agencies XXXX and XXXX DO NOT have my consent to furnish any information. Furthermore XXXX, XXXX, and US BANK, also DO NOT have my written consent. I have stated this in writing in the past and am doing so again now. Any and all consent to XXXX, XXXX, and US BANK, whether it be written, verbal, non-verbal, implied, or otherwise, is revoked. US BANK also has never informed me of my right to exercise my nondisclosure option. 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. As stated above this was never done, furthermore 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. '' XXXX, XXXX, and US BANK are reporting an adverse item and again they are reporting 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 1861C 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. Under 12 CFR 1016.7 " A consumer may exercise the right to opt out at any time. US BANK I the consumer again as I have in the past, I the consumer am opting out of your reporting services. US BANK is also reporting income. A charge off is a certificate of indebtedness and is considered income under IRS Publication 4681. A certificate of indebtedness is income which can not be reported to a consumer report. A 1099 was filed by US BANK to charge off, not only did they not send me my copy, but they continue to report these items illegally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: A woman with a familiar voice claiming to be from US Bank continues to call and try to collect a debt for a long period of time. She goes by the name XXXX XXXX. The XXXX number is not listed online for US Bank XXXX XXXX. I also heard the same woman when I called XXXX XXXXXXXX I believe she had a different name. The woman i believe is a XXXX XXXX XXXX XXXX employee called XXXX XXXX. https : XXXXXXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: So I deposited a check into my account and it cleared in 2 days, once it cleared I transferred money into my savings account then 2 days after that they then put a hold on that check and both my accounts, I've called the fraud department and they tell me go into the branch and talk to manager, I go into branch and the manager tells me I have to call fraud department, now they are telling me they are going I close both my accounts which is whatever the problem is I had money in my account before I deposited the check and they won't give me my money and now they are telling me it's going to be all the way until XX/XX/XXXX, it's already been 30 days since this originally happened and they won't give me any of my money, in now homeless and everything I've had set up through automatic payment is defaulted and I'm completely screwed. I don't know what I can do but this doesn't seem right in any way. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I saw an account opening bonus offer from U.S. Bank and it was mentioned in the offer that account can be opened in a branch, online or over the phone. Then I took the screenshot of this offer and went to the U.S. Bank 's nearby branch to open the checking account. - I showed the offer 's screenshot to the branch manager & he applied the promo code and opened my account on XX/XX/XXXX. He told me that I should receive the bonus after 3 months provided I meet the requirements. - Then I visited the branch after 3 months [ in XX/XX/XXXX ] to inquire about the bonus. The branch manager checked if I met the requirements & he confirmed that I have met them & should receive bonus by next month. - Again I visited the branch [ in XX/XX/XXXX ] & asked about my bonus. The manager again told me that it should be credited to my account soon in a couple of weeks. - After that I waited for around a couple of months hoping that I will receive the bonus but nothen happened. - Then I called the U.S. Bank 's customer service to raise my concern & the representative told me that they will get back to me in few days after inquiring the issue. But nobody called back. Then I called again & they said the same thing. - Finally, I got a call back from their promotion department & he said that the concern has been checked & the branch manager is supposed to make decision. He assured me that brank manager would call me in few days which he did. - Now [ on XX/XX/XXXX ] the current manager of U.S. Bank 's branch, where I opened my account, is saying that I'm not eligible for the bonus because the promotional offer was not directly sent to me rather I searched on XXXX for offers & landed on the their official page that showed this offer. This makes no sense to me - So, my concerns are as following : 1. why was I allowed to use that promo code at the first place if I'm not eligible? 2. why did branch manager assured me multiple times that I will receive bonus? 3. why was that promotional offer available to everyone on their official website if it was supposed to be applicable to selected people? Atleast it should have been mentioned somewhere on the promotional offer. I think this is the trick they are using to attract customers to open accounts in their bank & I feel that I have been deceived.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was on hold XX/XX/, funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially XXXX and transferred to US Bank, however XXXX did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: USBank has a wrongful practice of unjustifiably withholding consumer funds for XXXX full business days based on spurious claims of suspicion of fraud, or that the check will not be paid. I have banked with them for decades and no deposited check has been rejected. But every time I deposit a check of more than a few XXXX dollars, they put a hold on it. On XX/XX/28, I deposited a $ XXXX check into checking to transfer to my line of credit to pay down my balance due to the very high interest rate that applies to that line. But USBank notified me that there was a hold, so I could not transfer the funds to pay down my line until the hold was released. I explained that the check was written from my and my husband 's joint account at FirstBank, and that we would be happy to send a copy of our statement to prove availability of funds, but they were uninterested and they refused to lift the hold. This is the XXXX time US Bank has done this for no reason other than to retain control of funds that do not rightfully belong to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80303
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was in XXXX around XX/XX/XXXX and got released around XX/XX/XXXX. Before I went to XXXX I had a debit account at this ( bank ) U.S Bank. After I was release I found out my debit acc was closed and there was a credit card open for around {$570.00} of debt and it was charged off. This was not me and I believe this is fraud. I contacted the company, they sent me fraud papers, I filled them out and mailed them. But after a few months I didn't get a response back. I'm filling this out because of experience to increase my credit score and this is still on my profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61081
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Hey I have US bank credit card problem somebody use my identity and open credit cards I cant block that card pleaser help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$9700.00} strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. I started using the card more recently and was surprised to find out that my credit limit had been reduced without any prior notice. They have displayed similar actions in the past that I had to file a complaint for. Im just a consumer trying to build credit with a company that seems to be perfectly ok with destroying it as fast as they gave credit. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase that caused another credit inquiry. Keep in mind I have been making my payments every month. The payment isnt even 30 days past due but they sliced my credit limit in half. I totally didnt receive this notice so as a responsible Credit user I called to check on what was going on. I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, with me making payments every month with zero issues. I thought It was on auto pay but it wasnt. So it was I minor overlook of the payment due. I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00} or higher. I believe this is a fair and just resolution. Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A