Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The lender falsely " verified '' that my Fidelity Visa account continues to have a balance after it was paid off. I was securing a mortgage and this interfered with my credit score and more importantly, my buying power. They did this after I 1 ) wrote asking them to update the credit reports, 2 ) telephoned to ask them to update the credit reports and 3 ) communicated with customer service. Although their representatives are polite, they are not provided tools that are designed to be customer centric and solution oriented. It is as if they are trained to say " no. '' I was provided a letter, which demonstrates the inaccuracy of the " verification, '' but as a practical matter it did little good. Modernly, the banking industry insists that the credit reports get updated. Curiously enough, even XXXX relies on credit reports being accurate when making decisions about customers and ironically don't rely on other information. XXXX was literally ( literally ) the ONLY credit card issuer to do this to me. I had some with small balances, issued by lenders that manage portfolios known to include weaker borrowers and they did force updates to my credit reports immediately. As a A+ level lender, I expected a lot better customer service experience from XXXX XXXX This is the only time I ever asked for assistance from them. I AM SO DISAPPOINTED IN THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a US Bank Silver Business Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: US Bank automatically enrolled me in escrow for my home owner 's insurance. I made the payment to reverse the transaction, but they continually charge me an escrow fee on top of my regular mortgage payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61701
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a {$15000.00} line of credit with US Bank. The XXXX balance was paid at the end of XXXX. When they had not updated the balance on my credit reports to reflect the XXXX balance, they told me to file a dispute. I did and the balance was correctly reported as XXXX. However, 3 days later, the balance was then updated to {$3000.00}, which was the balance back in XX/XX/, but again, the entire account was paid at the end of XXXX. US Bank has told me to file disputes so they can update the balance to XXXX. I have done this 3 times and each time, they are validating the balance as {$3000.00} rather than XXXX. Actually, the account is overpaid by XXXXXXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a checking account with a signup bonus / promotion. I met the terms of the promotion, but did not receive the bonus. I called on three separate occasions ( spaced weeks apart ) to check on the status of the bonus. During the first 2 calls, the rep suggested they would file some report asking for more info on why the bonus wasn't applied, but they never followed up and I still haven't received the advertised bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I never heard of this company or this debt. I monitor my credit with XXXX and in XXXX of XXXX or so I received notification that this account was posted to my XXXX and XXXX report. The supposed amount owed is {$2500.00} with a company and a d/b/a i have never heard of or done any business with. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To Whom It May Concern On XX/XX/2023 I've purchased a part for my XXXX. Order number XXXX for total price of {$140.00} *The part did not fit and so I mailed it back for a refund in its original packaging. I did not even remove the part from packaging. It was a trim piece so I knew it would not fit. XXXX provided me with a label to ship the part back of which I shipped it right away. *Once I saw via tracking that XXXX received the part, I inquired on the refund. *I have been told by XXXX XXXX XXXX that he processed a refund on XX/XX/2023 then again on XX/XX/2023 however my bank ( US Bank ) along with XXXX states there is absolutely no refund on the account. I do not see any monies in my account either. US Bank is refusing to file a dispute on my behalf though I know that US Bank is insured. I am out of {$140.00}. In addition, I have provided US Bank multiple emails stating from the merchant that they have supposedly refunded the money. US Bank agreed that there is no money refunded however US Bank is refusing to help. This is nothing but a fraud case and US Bank should stand by their clients. I am extremely upset that I can not trust my own bank to protect me in such cases. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I was trying to open a new cell phone plan and they advised me my social security number had been compromised and they cant verify it with my correct information so they couldnt help me. When I pulled my credit report, there were about 20 inquiries that were not me, there we charges, taken out of my account, that I did not do - they applied for a car loan and an installment loan impacting my credit - and everything I try to apply for or verify my identity is says my identity can not be verified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52402
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I sent payment to be made and the bank took my funds and did not issue payment as i instructed them to do they then tryed to close my account
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: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70118
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A