Date Received: 2023-05-01
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: On XX/XX/XXXX XXXX charged my card for a frivolous charge that I already had disputed with XXXX and they assured me that they were not going to charge my card, well they did, after several attempts to resolve this with XXXX, I turned to my credit card company. XXXX c harged a card that was not currently activ e on XX/XX/XXXX the card that was charged was inactive. 2nd I sent Elan emails showing that XXXX said that they were not going to charge me. 3rd - the following is communication between myself and ELAN... I submitted same documents several times on the following dates, with the company denying that they received them until XX/XX/XXXX - XX/XX/XXXX - spoke with agent said they sent mail, I received nothing -XXXX XXXX, XXXX spoke with XXXX XXXX # XXXX XXXX -XXXX XXXX, XXXX after agent hung up on me, spoke a Mgr, that hung on me as well -XXXX XXXX, XXXX also faxed docs again -XXXX XXXX, XXXX Employee decline employee number, and said someone would call me back XX/XX/XXXX, faxed documents again XX/XX/XXXX very rude employee XXXX hung on me, declined employee # XX/XX/XXXX spoke with Manager XXXX and said she would call me back, never did XX/XX/XXXX spoke with XXXX someone will call me back, no one did XX/XX/XXXX spoke XXXX employee # XXXX, she said that had not received documents and someone will reopen case and hung on me XX/XX/XXXX - I called back spoke with XXXX call conf # XXXX XXXX she refused employee number, she said she will call me back on Monday which is today after business hours and no call back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XX/XX/XXXX Umpqua Bank increased my Visa Platinum Credit Card credit availability to {$10000.00}. In XX/XX/XXXX Umpqua Bank decreased my credit availability to {$7000.00}. Umpqua Bank 's decision to decrease my credit availability in XX/XX/XXXX significantly decreased my credit score and negatively impacted me financially. By decreasing my credit availability Umpqua Bank caused my credit usage to go over 30 %. I am now having a difficult time securing a home loan and a car loan. Umpqua Bank has not provided a clear, specific reason or behavior that I demonstrated that caused them to decrease my available credit by {$3000.00} one month after increasing my available credit as of XX/XX/XXXX. Since opening the credit card in XXXX XXXX my credit card payments have never been late, I have never charged more than the available credit and have handled my credit card usage responsibly on all of my credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My payments are and have not been applied correctly to my loan. My balance on the loan of my mortgage is incorrect as well as my escrow account. Never notified of changes made to account, when there is shortage in escrow I am not made aware of it until I look at my statement to find out what this amount is on my statement. My balance is rising because they are adding {$200.00} and {$300.00} hundreds of dollars concerning as payments whic my escrow ich is causing my mortgage to rise without my knowledge, and trying to say my taxes are rising which i don't on the statement any changes. Taxes coming and I don't know for what because they don't say on statement whether it's hazard, flood etc. I just need help and I have talked to lots of people at US Bank with no resolution, and hud counselors never have any answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: US bank has never done its job when it comes to unauthorized charges. It happened to me twice where I filed fraudulent disputes on my checking accounts. Within a COUPLE of DAYS, US bank responded that the charges were " authorized '' without providing me any investigation result. They could not have investigated anything within just a couple of days. Please see attachment on the most recent charges {$400.00} + {$13.00} + {$10.00} which they concluded within a week after I filed my disputes. Nonetheless, no documentation was provided on how they were able to conclude their investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I did not authorize or apply for an unemployment benefit card and received one in the mail today on XX/XX/, I believe somebody tried to steal my identity and use it to open the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: HARRASSMENT Second attempt of foreclosing on me while I am on XXXX Forbearance related assistance program. This is a federal VIOLATION
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55122
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a US Bank FlexPerks credit card in 2014, primarily because they offered points that could be used as airline miles on multiple airlines. At the time, the card issuer promised that as long as I kept my credit card open, those FlexPerks points would not expire. As a result, I accumulated quite a few points ( I dont recall exactly how many, but at least a few hundred thousand ) without using them, because I was saving the points to purchase tickets for a family vacation.To my surprise, when I happened to look at my statement about two months ago, my balance had declined to only 65,000 points. Until that time, I had not redeemed any of the points I had earned. Of course I called the card issuer to ask what happened, and the US Bank FlexPerks representative confirmed my suspicion that my points had expired. The problem, I explained to her, was that there was no notice or indication that the points would expire. She acknowledged that my points balance and amounts expiring were listed on my monthly hard-copy statements, but because US Bank pushed me into receiving my statements digitally, I stopped receiving the hard-copy statements. As a result, I used only the US Bank FlexPerks app, which the customer representative admitted does not show the expiring points. I told her this was wrong and unfair, because I had no notice of my points ever expiring. I asked the representative to reinstate my expired points, but she declined. She said she would submit my request to her management for further review of my situation, but a few weeks later I received a paper letter that indicated my request for reinstatement had been declined ( again ). BTW, when I complained about this situation to a friend, she commented that she, too, had a US Bank FlexPerks credit card and had no idea the points were subject to an expiration date. So I believe that many consumers have been lured into opening and maintaining this kind of credit card account without realizing that USBank now takes away what it gives as an incentive to use and reward for using their card. My complaints : - I understand that companies sometimes change the rules for when points expire, but I truly do not recall agreeing to or seeing that change in this instance. I would have noticed if it were prominently featured, because I was intentionally saving these points for a big family trip. Any change here was likely buried in the fine print that consumers like me routinely click to agree. It was unreasonable for USBank to change the expiration rules without appropriate notice to cardholders. - USBank should put expiration dates on the app, if that is where it wants its customers to receive information. Putting that information only on the paper statements, when fewer and fewer customers receive paper statements, is likewise unfair and misleading. If upon further investigation you are able to substantiate my complaints, I would respectfully ask that my point balance be reinstated ( so I can use them before they expire! ). Thank you very much for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I had multiple bank accounts opened in my name. US BANK contacted me saying that I owe them money from a checking account I never opened. I called the bank multiple times telling them that it was a fraudulent account opened and I never did any inquiries or opened any bank accounts with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: three issues # 1 six months ago I charge on my credit card that look odd, cause it does not get charge ever month, ( I have a secured credit card account ), I put up my personal money not the banks.Went to my local branch ask bank employee a simply question what is this for what it means.He talked 30 minutes that related nothing I ask and had to leave because it made no sense. issue # 2 I keep tabs my accounts i one I use fast and easy, I am XXXX years old and get paid once a month.I have been lie, cheated and rubbed every bank there is.I been with US Bank for ten years great service last week three of my pass codes removed from my personal account, talk to branch manager XXXX XXXX XXXX #! XXXX she said I and I said no got stood up yell do not tell me my I do what to your account I want if you do not like go some where else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Offer clearly states Bonus will be deposited within 45 days of deposit verification. Deposit verification of {$3000.00} cash took place on XXXX when the account was opened and all other stipulations/qualifications to receive the {$500.00} bonus were met. On XXXX, which was the XXXX day since XXXX, the bonus had not been deposited so I contacted the person at the bank who had opened the account, XXXX XXXX. She forwarded my complaint to her superiors and then called me back the following Monday saying that they said 1st 60 days must pass before the " within 45 days '' takes effect. I told XXXX that that was not what the fine print said. She agreed so she resubmitted the inquiry to her superiors. A few days later she called me and said they were not going to deposit any bonus until 45 days after the 60 days were met. This is in violation of the attached mailing I received from USBank. This constitutes consumer fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A