Date Received: 2024-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 4 Subject : Complaint Regarding Violation of FCRA by USBANK Dear CFPB, I am writing to file a formal complaint against [ Bank Name ] regarding a violation of the Fair Credit Reporting Act ( FCRA ). The nature of this complaint is rooted in the bank 's failure to adhere to its commitment to pay and delete a debt from my credit report, despite my fulfillment of the payment terms. Account Information : Creditor Name : US BANK Account Number : XXXX Chronology of Events : 1. I entered into an agreement with US BANK to settle a debt with the understanding that upon receipt of payment, the bank would promptly initiate the process of deleting the associated negative entry from my credit report. 2. I fulfilled my end of the agreement by making the payment to US BANK, in accordance with the terms specified in our agreement. 3. Subsequent to the payment, I have diligently monitored my credit report and noted that the promised deletion has not occurred, thereby violating the terms explicitly agreed upon. This incident constitutes a clear breach of the FCRA, which mandates that information reported to credit bureaus must be accurate and must reflect the actual status of an account. Additionally, the FCRA grants consumers the right to dispute inaccurate information and ensures that credit reporting agencies conduct reasonable investigations in response to such disputes. I kindly request the CFPB 's intervention to investigate this matter thoroughly and compel US BANK to fulfill its commitment by promptly deleting the inaccurate entry from my credit report. Your prompt attention to this issue is appreciated, as it directly affects my creditworthiness and financial standing. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Regarding the Smartly Checking offer of a {$500.00} bonus using bonus code XXXX. Conditions were : 1. Open a new US Bank Smartly Checking account with a minimum deposit of {$25.00} either online, in a branch or over the phone from XX/XX/XXXX through and including XX/XX/XXXX I opened an account online on XX/XX/XXXX and transferred in {$25.00} the same day. 2. Enroll in the US Bank Mobile App or online banking within XXXX days of opening the account I enrolled in mobile banking on XX/XX/XXXX 3. Complete XXXX or more direct deposits within XXXX days of opening the account that total {$5000.00} to {$9900.00} to earn the {$300.00} bonus or {$10000.00} or more to earn the {$500.00} bonus. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. On XX/XX/XXXX, my employer deposited {$14000.00} using a real-time electronic deposit. On XX/XX/XXXX, my employer deposited {$1000.00} using a real-time electronic deposit. On XX/XX/XXXX, I called to confirm that the conditions were met to earn the bonus. I was told they were. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX asking why I hadn't received the bonus. Each time I was told that it was either on the way or that they would file a form to find out what was going on. On several of these calls I asked again if the conditions had been met and was told they were. On XX/XX/XXXX, per the instructions from the last call, I sent an email to XXXX explaining the situation and asking why I hadn't received the bonus. I got no response.. On XX/XX/XXXX, I called again and was told that the XXXX deposits did not qualify and I would not receive the bonus. Issues : 1. The text of the Disclosure stated, " A direct deposit is an electronic deposit of your paycheck .... '' My deposits were electronic and for my paycheck. 2. I asked on several occasions if I had met the qualifications and was told that I had. They had plenty of opportunity to let me know if my deposits did not qualify. 3. By the time they finally told me that my deposits did not qualify, it was well past the XXXX day limit, thus eliminating the possibility for me to rectify the situation qualify for the bonus. I'm not a lawyer but this seems like false advertising at a minimum if not some sort of scam. My employer is an XXXX XXXX XXXX XXXX. It pays me on a XXXX just like any employer and I use electronic transfers to pay myself. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not give this company ( US BANK XXXX XXXX ) permission to pull my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: XX/XX/year> Servicer sent me a wrong-erroneous mortgage accounting record on XX/XX/XXXX, XXXX see attached. Acct # XXXX for the amount I executed, agreed to, was {$7500.00} beginning XXXX XXXX via a signed promissory note by me-see attached. RESPA Violated by Servicer- Servicer keeps sending me the wrong records- it's a XXXX pdf document showing a totally DIFFERENT amount owed than the $ XXXX see attached. These accounting records belong to someone else. The account number is correct, however the account balance from the promissory note vs the servicer records from US BANK NATIONAL is unreconciled, totally different, more than 100xs {$7500.00} original account balance - see attached. Therefore my mortgage payments sent to the Servicer US BANK NATIONAL have been MISAPPLIED or may be sitting in a SUSPENSE account held with servicer US BANK NATIONAL and those payments need to be refunded to me IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US bank is an unauthorized inquiry in my credit report, this was opend on XXXX XX/XX/2024 and i dont recognize as mine.. I formally request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I am a member of XXXX, and evidently my identity has been stolen, I keep getting notices that someone is trying to open up an account either a checking account or a credit card in my name and they have all my pertinent information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX charges on my credit card I did not purchase. Card company said card was used but this is not possible as card was with me at all times and I was not near these places. I can get people to verify where I was an these dates. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45133
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a secure car with U.S. Bank. I had one, and when it was closed, they apply the secure amount immediately to the balance, and send me the rest, even though somebody stole my money, and they never gave me credit for it. No, I had the same thing they close my account three months ago without letting me know XXXX was the one that let me know. I made a claim because I had unauthorized charges. I called them three times they ignore me. Finally they made a claim and added charges that I told them from the first time, and all the time they were recurring, and those were mine, they reverse the claim before they put in the claim now after 50 times of sending letters and calling them being on the phone for two hours. They will not apply the secure amount to the credit card and send me the rest. Instead they keep adding financial charges late charges they wont apply it they never, the unauthorized charges as it says on Visa law I am not responsible for unauthorized charges. It is them that they put in the claim wrong three times recurring charges and they keep adding charges ignoring me and even though they have the money sitting there, they will not want to apply, why they dont apply it they did the first time on the other credit card this time it is small credit card and they just keep adding charges to authorize charges. I want my money back and clear my credit report of lies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Friday, XX/XX/XXXX at XXXX I deposited {$500.00} cash on a US Bank atm at my branch on XXXX XXXX, XXXX XXXX XXXX KS XXXX The money was deposited fine, I even paid some bills with it. A few minutes later my account was negative and online banking said atm deposit reversed! I immediately talked to the branch manager, he told me to call US BANK line, talked to someone who told me to wait until end of the day, I asked for a supervisor that told me to start a REG claim and to talk to my branch manager again. I did all that and was told to wait until Monday so I can hear from a higher up and hopefully get my account funded! That did not happen!! She wrote an email saying I need to be patient and wait for the process. I asked to speak with the District manager and was told he doesnt see clients. I even reached out to US bank social media department as I am desperate and need this money to pay rent as I also had another check deposit made the same day to pay all my bills and this created a big financial mess for me!!! I now have a late fee for my rent and had to borrow money from a lender with huge interest and I keep being told to be patient I JUST WANT MY MONEY AND ALL FEES THAT THEY CAUSED ME TO HAVE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/year> at approximately XXXX I went to make a deposit to the atm of us bank at XXXX XXXX XXXX XXXX Ky XXXX. I logged into my account and proceeded to put my large bills in first since the machine states it only accepts 50 bills. The machine totaled my bills to {$1500.00} the. Asked if I had more bills up to 20. I placed the remainder of my bills in the atm. It cont to process until it timed out and the machine reset to the home page. No recipt was given and I immediately checked my account and the funds were not deposited. I immediately got on the phone and called the customer service line the lady told me I would have to wait 24 hrs to see if the deposit adjusted at midnight when the machine was serviced. I waited until XXXX XXXX when the branch opened and filed a complaint with the branch manager XXXX XXXX who told me they dont count the machine until wed or thur bases on staffing she did file a complaint and gave me a copy with her info and told me to follow up with the customer service number in the morning to cont with complaint if the funds didnt show after midnight. On XX/XX/year> I called and was told that I would have to wait 10-45 days for them to complete an investigation into the claim. I believe that they are committing a fraud against me to be holding my funds and not attempting to complete an audit of the machine in a timely manner to resolve the issue. I used a service that they offer and am being punished for their incompetence. I need my money to pay my bills and they are not taking my claim seriously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A