Date Received: 2023-05-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had an identity theft XX/XX/2020 and my social security card and my ID were sold however I'm not sure if this was the case I lost my job and I lost everything due to that and due to XXXX. I had my purse my bank everything all my information stolen by someone they sold information but I got a settlement after being tonight unemployment and it was a XXXX settlement in the US Bank and I was also getting reoccurring payments every week I had to keep reordering cards and I was telling them that there was XXXX police reports that charges were not being made by me I don't know what these places were delivering to a different address they sent me dispute and then they never responded or they wouldn't send disputes. They never sent a resolution letter I would ask to talk to a supervisor and they would put me on hold they had a fraud department I tried to talk to them I couldn't even get the police to investigate and I had improved like my ID was changed to somebody else 's name and password they wouldn't let me I still to this they don't have a change back I haven't heard back from my last dispute they never sent me a resolution letter from 4 or 5 months ago nobody will call me back and this happened I don't even know how long the first is because I filed was well well over a year or two ago I just want my money back he was honest about what was that on my behalf I kept telling him to switch account numbers my card did not have a chip in it I tried to talk to the Iowa Workforce Development Center I was putting the money into my mind nobody would do anything nobody would return any money I did not get any provisional credits I didn't get any credits it was just closed but it's still open I just don't have anything in it they never they never responded to a dispute nothing I gave up for a little bit just trying here and there one month or so I had ended up losing everything and it was very a kind of set me back a lot it's not so much about the money it's when I had my identity theft through a different bank they said my dispute was fraudulent closed my account and didn't even give me my savings that was in there XXXX XXXX but the bank that I'm having a problem with right now because I also had another account with her child support which was also US Bank ReliaCard and they will not return the funds for that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52806
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I am writing to let you know that I have a US Bank credit card and there is incorrect information reporting on my credit report. On XX/XX/2021, there is a late payment reporting. During this time I was diagnosed with XXXX, I was unemployed, and my life was a disaster. I am aware of my rights and I contacted the companies I have credit cards with to notify them that I would be late this month. Everyone I notified did not report a late payment on my credit report. Today, I checked my credit report and saw that US Bank is reporting a late for the month XXXX XXXX XXXX even though I called and notified customer service about my issue. This was not my fault that I was late and I did everything in my power to pay you guys my payment as soon as possible. I am in the home buying process and this is the only negative mark I've ever had in my whole life on my credit. I am asking you to please remove the late reporting on this account. I would be very happy, as I have done all that I can to be a good customer to your company and I am happy with being a client with your company I just would like this problem resolved as soon as possible as it is holding me back a lot. Thank you for your understanding and cooperation with me on this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: See CFPB complaint XXXX for the whole history. In short, I bought the leased vehicle from US Bank in XXXX of XXXX. US Bank in XXXX of XXXX sent me an invoice demanding I pay tolls charged in the amount of {$940.00} plus a {$25.00} bank fee that they say they paid on XX/XX/XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX ) to see why I had any tolls due because I had a valid XXXX XXXX XXXX toll transponder. XXXX XXXX XXXX and the XXXX have reciprocal agreements to collect tolls for each other. At this time, XXXX said the invoice had not been paid by US Bank. I contacted US Bank and disputed the charge and demanded a copy of any form of payment that US Bank made to the XXXX because the XXXX was telling me they haven't been paid and I still owe the invoice. US Bank refused to provide me any form of payment and continued to send me collection letters that I disputed demanding the same information. I filed a complaint with the CFPB ( which is a waste of time ), and US Bank responded to them. You can find a copy of the documentation in the complaint XXXX. Problem is the CFPB closed my complaint once US Bank responded and without allowing me to upload new evidence of nonpayment from US Bank to the XXXX. You will notice that the XXXX Invoice is {$100.00} XXXX lower than the XXXX inovcie that US Bank says they paid the whole {$940.00}. That is because talking to the XXXX they had waived that {$100.00} XXXX in my favor during their research on my information regarding the XXXX XXXX XXXX toll information. Of course all the rest will be removed but US Bank is still demanding payment when documentation I am adding here PROVES they did not pay XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 A charge card account was actually approved by the XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: After I filed a claim about U.S.Bank did not pay welcome bonus even though my account was opened and funded by the XXXX XX/XX/2022, they responded to say that the promotion is targeted, attaching a pdf fine print including a " added disclosure '' just good enough to exempt them from paying bonus. I attached a current fine print they have on their website right now without that statement. I read the fine print before I applied on XXXX XX/XX/2022 and was sure that I did not see this statement, in the case it was written obviously and in a such whole separate line. I was convinced that this pdf file is edited recently with purpose. One more thing is that when I applied, I input all the information, if my profile does not match with your intended customer, the code should not be applicable, as all other targeted promotion have been processed. Last but not least, as U.S.Bank did not refuse my proof of opening date and is trying to play another game, I was convinced that U.S.Bank should recognize that my account opening date is on XXXX XX/XX/2022, not breaking the promtion deadline.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraud was reported XXXX XXXX to US Bank for multiple charges totaling approximately {$3000.00} on my U.S. Bank credit card. Several charges have already been issued provisional credit by US Bank. However, additional fraud charges that have not been addressed remain. These charges are for $ XXXXrestaurant, $ XXXXXXXX XXXX, $ XXXX XXXX I have discussed these remaining fraudulent charges multiple times with US bank representatives in the fraud services, area, and always been assured that the charges will be reversed. As of today, XX/XX/XXXX, the above charges have not been reversed. Since these charges are a result of negligence on the part of US bank, I would like them reversed, as soon as possible, and not just reassurances that the charges will be reversed. I have a very limited buying profile and these charges are widely outside of that, both in purchase type and geographical area. It is obvious to me that no one was practicing. Know Your Customer when reviewing these charges for processing. I appreciate all your assistance, and please feel free to reach out to me for any additional information that may be needed to resolve this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello CFPB and US Bank, i have over 12 fraudulent ATM transactions and i ; ve tried calling to file a FRAUD claim on these and every time i have, the reps on the phone have no idea how to do it or they keep thinking i want to file a dispute which isnt the case, these are fraudulent transactions totaling over {$1900.00}. They mailed me a new card which im still waiting on but im not sure if a fraud claim has been filed properly for these transactions so im filing a CFPB claim in hopes of getting my money back and getting a claim filed the correct way. My debit card was cloned and used without my authorization at the ATM, leaving my account empty. The ATM deposits are verified but all the withdrawals are not me The first atm withdrawal started on XXXX the last withdrawal was on XXXX Please help me recover my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I recently applied for the US bank XXXX card. They were offering a sign up promotion to meet a minimum spend. I met the minimum spend and US bank promptly closed my account for no legit reason. In an attempt to remediate this issue, I called US bank several times to try and fix they issue. All the representatives are claiming to not have received the information I sent in even though I sent the documents several times. They are refusing to reinstate my account have essentially robbed me of the sign up offer I was promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85641
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I called into U.S Bank on XX/XX/ and due to suspicious activity that I wasn't given details on, they decided to close my U.S Bank Checking Account and send me a closing packet which includes {$1500.00} of money that I deposited with them. They were very rude, and no reason was given, and I told them I would not be using their services in the future due to the situation being handled so poorly, I just want my money back. I am filing this complaint on XX/XX/ and still have not received the closing packet with the {$1500.00}. Please help me get this resolved, as this is very frustrating and I just want my money back, and no longer want to do any business with U.S Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 506XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXXL and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
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: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A