Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Thank you for responding to my CFPB complaint. In your correspondence sent you have stated you investigated numerous disputes about my consumer report since 2016 and determined the information provided by XXXX XXXX to the consumer reporting agencies is accurate each time see exhibit XXXX. XXXX XXXX then goes on to say based on their results from the investigation but has never provided any documentary evidence pursuant to 15 U.S.C. 44 to support their investigation See exhibit XXXXXXXX I now request that these results be presented for me to evaluate. Furthermore, an alleged agreement was signed with XXXX XXXX XXXX XXXX then transferred to XXXXXXXX XXXX XXXX who are now doing business as XXXX XXXX but being reported to the consumer reporting agency ( XXXX, XXXX and XXXX ) as XXXXXXXX XXXX XXXX. Provide me the chain of tittle and business agreement you all have giving consent for my nonpublic personal information to be conveyed transfer or assigned to any non-affiliate third parties. It makes me question the merits of both companies business ethics, that financial institutions that would willfully violate the consumers rights. After doing my research I found out that this company is required to follow the laws of the XXXX XXXX XXXX act. XXXX XXXX has violated my rights to privacy and stated the card agreement provided them with specific rights and I renewed the pledge each time I used the card but does not have a legal and lawfully contract with XXXX wet signatures to support their claim. If that wasn't enough card member service, then adds on a privacy pledge and disclosure of account information agreement to give out my nonpublic personal information to third parties when pursuant to 15 U.S.C. 1693L Congress specifically states no agreement between a consumer and any other person ( Philadelphia Federal Credit Union & Cardmember Service ) may contain any provision which constitutes a waiver of any rights therefore canceling the consent unlawfully attained by the agreement. Your Company knowingly use deceptive means to gained consent an willfully omitted a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide documentary evidence that you have complied with federal law and provided the consumer with an explanation of how to exercise the non-disclosure option. Furthermore, as to your allegations that you the creditor adopted reasonable procedures designed to ensure that each periodic statement including the information required is mailed or delivered to me the consumer not later than 21 days before the payment due date is false, in exhibit B you then state While we can assure you that we mailed several items regarding your account to the address on file for your account, we can not guarantee timely delivery by United states Postal Service. Congress stated you must ensure meaning ( Guarantee ) and you specifically stated that you can not guarantee timely delivery therefore failing to willfully stay in compliance with federal law federal law put in place to protect me the consumer. But to continue this scheme card member service then went on to violate the fair credit reporting act by committing aggravated identity theft 18 U.S.C. 1028A to use extortionate means to harm my reputation, by way of XXXX activity to induce repayment / collection of an extension of credit, by reporting this information to XXXX, XXXX, XXXX. When in fact 15 U.S.C 1681a ( D ) ( 2 ) states a consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report and 15 U.S.C 1681a ( D ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Inclosing on XXXX XXXX, you stated you would file a 1099-C with the IRS when debt is canceled. On XXXX XXXX it was charged off, so how is a charged off reporting on my consumer report when a charge off is considered income an income is excluded from being reported on a consumer report see exhibit C. Provide me with a completed W9 form so I can have the IRS audit this account to avoid the risk of tax fraud. In the event of your failure to provide said documentation, this respondent demands that all alleged debts be properly recorded and officially acknowledge within your records in any other agency as non-existence, included but not limited to all debt collector and consumer reporting agencies XXXX, XXXX and XXXX. If you feel any of this information is inaccurate provide documentary evidence in an affidavit under penalties of perjury of what laws or authority allows your agreement to supersede federal laws to protect my consumers rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: US Bank advertised the opening of a new account to receive {$500.00} if the following requirements were met : Open account by XX/XX/XXXX {$100.00} Minimum Deposit {$5000.00} deposit within 30 days Enrol in online banking 5 transactions within 90 days. I completed all of these requirements and did not receive the bonus. I contacted customer service and they agreed I had met the requirements and opened up a case for resolution saying they would contact me upon completion. A month later I never received follow-up, so I called again, and received the runaround trying to say somehow I didn't qualify, when clearly I did, and US Bank had admitted as such in previous conversations. I have copies attached of the offer terms and conditions. US Bank has my account information which clearly demonstrates fulfilling the terms of the offer. US Bank is attempting to bait and switch me, after giving me the runaround from customer service. The company is not acting in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62521
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Company named " XXXX '' sent me an unsolicited Credit Card under my former married name. It was not cardstock, but regular plastic with chip, name, numbers and phone call sticker to activate. I do not want any unsolicited credit cards and especially do not want someone to take my mail and activate a credit card in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX, an unauthorized person gained access to my US Bank Reliacard account for my unemployment compensation. It took a few weeks for me to become aware of this as my card was being declined and even though I called US Bank it took a few calls before the customer service agent at US Bank made me aware of it. My memory of that call ( which us bank says they record so it should be available ) is that the USBank Reliacard representative concluded that access to my account was gained because the unauthorized user was able to get the email address updated to a fraudulent account. I never received an email ( at my actual email address ) or text from US Bank verifying that I had approved the change and I believe that is because the change was made by a representative of us bank and not on their website. On that day of the call noted above, the US Bank representative initiated a claim. When I received the US Bank Transaction Dispute form by Mail, I competed it and returned it. I have not received any updates from US Bank. They will not allow me to speak with a representative in their fraud department. They know where the {$2000.00} was sent because the fraudulent bill pay was processed through their system and the details of that transaction show on my online account. I have called multiple times and continue to be told the time for a credit is 45-90 days. If this were a credit card charge that was being disputed they would put the charge on hold until the situation is resolved. In my case, it is {$2000.00} of cash stolen from my Reliacard account so I cant use that money until they come to a conclusion. Based on my understanding, this is a US Bank problem. Someone aided an unauthorized persons access to my account. That unauthorized person used the US Bank system to setup a fraudulent payee, setup a fraudulent payment to that payee, and process that fraudulent payment. US Bank has all of those records, records of all of the phone calls, presumably including the fraudulent call by the unauthorized persons which got them account access. US Bank doesnt need to withhold my money for 45-90 days while they investigate their internal security issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a victim of identity theft the person who committed these fraudulent activities on my accounts has affected me I am unable to open up bank accounts due to these fraudulent activities I have a copy of my police report U.S Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 I file a dispute on all the credit bureau telling them that balance is incorrect reporting from XXXX financial service that I used 90 % usage of my credit card which I didnt that XXXX of XXXX Which I used XXXX at that time instead XXXX. I called the company first and they informed me my usage was below 20 % when they reported to the credit bureau. I just got email from XXXX stating the the information that was reported was correct and no changes is going to be made.This incorrect balance has drop my credit score down a lot and the credit bureau XXXX really didnt look into this if so my credit score would have went back like it was. I am trying to build my credit score not low it. Thank in advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I opened a U.S. Bank Smartly Checking account, with the promise of {$500.00} as a bonus for depositing over {$6000.00} or more in direct deposits. In addition, the fine print also stated that you needed to have mobile banking and you could not have a previous account with the bank within the last 24 months. The offer code of XXXX was attached to the application and the the application was directly submitted from the US bank website. No third party sites were used. The deadline to receive the bonus happened last week, and now the bank is stating that this offer was a targeted offer only and Im not eligible. This bank and its promotional offers are deceiving to clients, as the bank uses a bait and switch approach to lure its customers to open accounts and not pay out the bonus. They have multiple offers for checking account bonuses and each one worded differently. There was no verbiage of XXXX Offer in the disclosures. Ive tried to reach out to the bank and they tell me that the offer was a mistake, or that there is nothing they can do because it was targeted ( which there was no verbiage ) of that being a case. I literally got the offer code from their site. Be careful about using this bank and their offers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: During the weeks of XX/XX/XXXX & XX/XX/XXXX, I spoke with multiple US Bank IRA representatives about how to make sure that the required action would be taken to mail a direct transfer check from my IRA CD account to another lending institution ( IRA CD Account ) in a timely manner upon maturity. On multiple occasions, I was advised that the most expedient way would be to have the receiving institution Fax the transfer request to XXXX in advance of the XX/XX/XXXX maturity date, and that within three days processing could be completed so the check would be mailed out on the first business date after the Sunday maturity date. XXXX XXXX XXXX XXXX faxed the transfer request to US Bank on XX/XX/XXXX ( 10 days in advance of the maturity date ). A few days later, I spoke with another US Bank IRA rep who checked with the back office and confirmed that the fax had been received and the request was being processed so the check would be mailed out on XX/XX/XXXX. On XX/XX/XXXX, I spoke to yet another US Bank IRA rep who also checked with the back office and confirmed that the transfer request had been processed and assured me that the check would be mailed out on XX/XX/XXXX. On the afternoon of XX/XX/XXXX, I called and spoke with another US Bank IRA rep XXXX XXXX who works from home ) to determine whether the check had been mailed. She checked with the back office and told me they advised her that they have not yet processed the request and indicated that it would be 7-10 additional business days before the check would be mailed out. Assuming that someone in the back office gave her a quick answer without looking into my the status specific request, I asked to speak to her supervisor. After being put on hold for an extensive amount of time, I was connect to her supervisor, XXXX ( XXXX in the XXXX, Wisconsin office ). I explained the situation to XXXX in detail and he agreed to contact the back office yet again to determine what is going on and call me back. When XXXX called back, he told me that the back office advised him that they are running behind and advised him that they have not yet processed the request and indicated that it would be 7-10 additional business days before the check would be mailed out ( the same thing that XXXX had told me ). I then asked XXXX how I could speak to someone higher up and/or file a complaint because there is no excuse for misinformation and such a delay in transferring my funds, when in fact, the transfer request was generated 10 days in advance of the maturity date. He first told me there was no one I could call, but that I could file a complaint on line. However, when I asked him how to locate the online complaint form, he determined that there is no online complaint form, but suggested that I write a letter to a XXXX XXXX, Minnesota address. In that this is a time sensitive situation involving a sizeable amount of money ( $ XXXX ) and questionable banking practices, I am sending my complaint to the Consumer Financial Protection Bureau ( CFPB ). It is totally unreasonable for it to take 18-21 days to have a check mailed to transfer my funds ; and this exclude the time the US Mail will take to deliver the check. Is US Bank on the verge of failure?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This is regarding the closure of my checking account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and racist. On XX/XX/XXXX, I received a notification stating that my checking account with US Bank had been closed. However, the notification did not provide any clear reason for the closure except that in accordance with the your deposit agreement and general terms and conditions disclosure. I called customer service to inquire about the reason, but no one was able to provide me with any satisfactory explanation as to what the issue is and what went wrong. I have been a loyal customer of US Bank for many years and have always made timely payments on my credit card and kept my accounts in good standing. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. Furthermore, I can not help but feel that the closure was based on discriminatory and racist motives. As a person of XXXX origin, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my checking account is another instance of such discrimination. I request that US bank provide me with a clear and valid reason for the closure of my account. Additionally, I demand that US bank address any discriminatory practices within their organisation and take appropriate action to prevent such incidents from happening in the future. I hope that this matter will be addressed in a timely and appropriate manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. ( account # XXXX ) 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 46.0K 483
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A