Date Received: 2024-02-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In approximately mid XXXX of 2023 I contacted US BANK as their free online service for sending checks and payments online failed to work for me several times during XXXX of 2023. I spoke with XXXX XXXX of their XXXX XXXX XXXX. XXXX suggested that I talk with his Wealth Managers. These Wealth Managers ( XXXX XXXX and others ) set me up with a system they have called XXXX which for a charge of {$48.00} per month purportedly would allow me to send checks via an ACH system directly from my account to their account. This XXXX system however never worked and no one at US Bank was able to get it to work. In fact US Bank insisted that I call their XXXX number which I did numerous times. I in fact hired my Accountant to be on a call with me which took over an hour and the XXXX attendant call center even with a CPA was not able to make this system work for us. There was a repeated problem stemming from some computer software US Bank issue. It was at this point that I told XXXX and XXXX to just cancel this XXXX XXXX. Unfortunately US Bank did not cancel this failed service and unbeknownst to me continued to charge me {$48.00} per month. I. About XXXX I called XXXX XXXX yet again and asked for a refund of these false charges and reminded him to cancel this service. I recently as of XXXX received a notice that US Bank had apparently continued to charge this {$48.00} after telling XXXX XXXX at least twic to cancel this service. US Bank in their letter demands that I pay all previous balances and Bring my account to a positive balance or they will withhold my financial records from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Someone got car loan in my companys name along with mine. Ive forwarded a copy of my FTC IDENTITY THEFT REPORT via email. My secretary says the institution calls multiple times a day. This account is not mine nor my companys and I need them to close this loan out immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a purchase I did not authorize on my card. My child might have used it without permission, but I dont know for sure. I just know I did not authorize it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was on unemployment in the state of Oregon in 2021. My unemployment claim says I received {$17000.00}. But I did not receive that much money. On the day it was deposited it was XXXX XXXX and the deposits went up more than the weekly payment then went down. I tried to copy the transaction history as proof. The website for the bank did not allow screen shots so I had to hand write it. I did. I also got locked out because of password issues. During that time I believe it was in XX/XX/2021 the bank website did a reface, changed their website platform. When the website was refaced it no longer said the same thing. I know that sounds off. Im not a bank savvy person. Its been 2 years I dont remember exact dates. I lost my journal and I have a job am working so I dont know what happen but I know I did not receive that money. I believe it was the bank that took that money because I do recall them saying there was a card request and I didnt request it and they couldnt tell me who did. I did call the bank several times in 2021 to get them to look into it but to no avail. I think it was fraud on the bank end because they were the middle man between my unemployment claim and my receiving the money. It was all so confusing and frustrating. I hope this helps you to check into that bank and their employees. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97601
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: Major issue with US Bank. Sold my car, a XXXX XXXX XXXX XXXX, the lien, loan was paid off via wire to US Bank {$100000.00} on a Monday XX/XX/XXXX, they confirmed successful transfer on Tuesday with par number on XX/XX/XXXX and said my account would close XXXX XXXX Buyer also confirmed on their end that they received a federal transfer number. Now 5-days later, they cant confirm completion or close out the account at all. They literally do not know what happened to the wired funds and are now investigating. They have also been charging interest on the account and refuse to provide anymore information or details. Vehicle no longer in my possession and they said they would maybe get back to me on XXXX. Im extremely scared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for XXXX credit card on XX/XX/year> and received a hard pull. The company was XXXX. Then on XXXX XXXX I received another hard pull credit check from this XXXX company stating I opened a credit card but I didn't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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: The XXXX dispute form is throwing an erroneous bug ( " The date doesn't look right. Please double check and enter a valid date using the following pattern ( mm/dd/yyyy ). " ), despite using their calendar pop-out. Error atttached. Description : XXXX XXXX XXXX XXXX Dc Location : XXXX, United States Date : XX/XX/2023 Transaction amount : XXXX} Dispute amount : XXXX Shown in the XXXX XXXX XXXX ( aka XXXX ) account summary attached, both my credit card ( {XXXX bill amount plus XXXX credit card convenience fee ) and ACH ( {XXXX withdrawal ; proof attached ) was charged ( bill attached ). I have already filed complaints with XXXX ( attached ) and the Public Service Commission of the District of Columbia ( attached ), though ( till now ) no resolution has been reached yet with XXXX through either organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
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: Elan Financial Services / US Bank had been negligent in judiciously utilizing the evidentiary documentation and information provided to the company in a timely manner to effectively defend the customer, myself, in financial court related to the transaction of XXXX} charged by XXXX. Attached with this complaint, detailed evidence was provided to XXXX in a timely fashion. The evidence included XXXX website claiming that a refund had been issued and XXXX agent XXXX reassuring over chat that a refund would be issued. Elan Financial Services / US Bank was made aware that the merchant, XXXX, prevented the customer from being able to use XXXX return policy by failing to provide a return address ( and return ID ) upon explicitly contacting the merchant XXXX regarding returning the defective merchandise. The return address ( and return ID ) are minimally required for sending back and tracking any return to the merchant XXXX 's large network of warehouses. This was explained in great detail to more than one Elan Financial Services / US Bank agent over the phone. Elan Financial Services / US Bank naively sided with the merchant, citing the merchants return policy in lieu of the extensive evidence provided via fax and via phone on multiple occasions. Elan Financial Services / US Bank frivolously claimed that they attempted to obtain additional necessary information for the claim, that is, in addition to the complete set of evidentiary information that was provided to the financial institution. Elan Financial Services / US Bank was negligent in utilizing the information already given to them and, hence, should be held liable for the full amount of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have 2 gift cards, one XXXX for {$50.00} and one XXXX for {$100.00}. They claim to be usable anywhere an XXXX or XXXX card are accepted. However, when I tried to use them at multiple online stores, the transactions would not go through. In the case of the XXXX card, I was billed {$0.00} each time my transaction was declined. Customer support for these cards is completely automated and do not allow me to explain the issue, rendering the support number essentially useless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have made over XXXX disputes for over 10 months. XXXX is XXXX on usbank credit card! It continues to say in dispute status and has never been resolved. It once said XXXX balance then they added balance of {$3600.00} back on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67205
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A