Date Received: 2024-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hi! A Company named XXXX XXXX, from Delaware, made a hard credit inquiry on my XXXX, and perhaps other as well, credit report. This happened on either XX/XX/XXXX or XX/XX/XXXX. I don't know this company nor I haven't asked for any loan or credit card with them. I am concerned this may be a fraud attempt. I've been forced to waste a lot of time on calls ( called XXXX XXXX XXXX several times with no result ) and emails. Parallel to this, on XX/XX/XXXX, ANOTHER company I know nothing about, US Bancorp, made another inquiry on my credit score. This one happened at least on XXXX, perhaps other reports as well. Same situation, I haven't asked any financial product there and I am concerned this may be a fraud attempt. In this case I had no information on how to contact them so I haven't written nor called. Would appreciate a lot your help on this, finding out what happened, prosecuting these two companies and fixing this information in all three of my credit reports ( at least XXXX XXXX, XXXX ) as these companies are violating my rights and damaging me. Also, if possible, would appreciate some email or evidence supporting that I'm making this claim. I only have screenshots of XXXX XXXX / XXXX showing this credit inquiries, will provide as needed. Thank you so much and kind regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
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: I am appointed by Probate Court as administrator for the estate of my brother who died on XX/XX/XXXX of XXXX. He had been ill with XXXX XXXX XXXX and progressively unable to care for himself in the years leading up to his death and we are now aware that fraudulent activity repeatedly occurred in his financial matters in the years leading up to his death with known multiple credit cards used improperly and subsequently closed. He was unable to monitor of protect his information from XXXX XXXX XXXX and an acquaintance in his home who obtained access to his accounts. After I was made administrator of his estate, I obtained access to records in his home and found evidence of fraudulent activity in various financial accounts. I later received letters from a debt collector for an U.S. Bank AltitudeXXXX XXXX XXXX XXXX XXXX which they said belonged to my brother with a balance of {$8200.00}. There is no record of this credit card in my brother 's records. I have asked U.S. Bank and XXXX XXXX XXXX XXXX ( the debt collector ) for descriptions of the alleged transaction charges on this account to try and verify whether these charges would be consistent with purchases my brother would have made. The only " evidence '' provided are credit card statements which they say were sent to his address with the earliest said to be for the billing period of XX/XX/XXXX through XX/XX/XXXX ( after his death ). These statements show a prior balance for purchases made but no transaction history or description of what was bought. None of them show any charges I can evaluate, just a prior hefty balance with no way to assess when these were made, and what was allegedly purchased ( since apparently all the charges occurred prior to the statements that have been made available for me to review ), or any other means to assess whether fraud occurred ( were statements sent to alternate address, paperless statements, or other means to minimize chance for detection by my brother ). 1. My brother died from XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appointmentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through his death in early XXXX. He was largely at the mercy of his XXXX XXXX XXXX during this time period especially in terms of his finances, and fraudulent activity occurred on multiple accounts. 2. From XXXX through his death, several other credit card accounts had to be closed or re-issued due to fraudulent charges on other credit cards that we know of. 3. I have looked through his paper records in depth. He had several legitimate credit cards which he usually paid off monthly or kept the balance very low. There are no paper records of this credit card account in his files, and no paper statements of this credit card account in his files. 4. I have so far not found any payments for this credit card account issued from his checking or savings accounts. However, according to the XX/XX/XXXX statement provided by XXXX XXXX, a payment of {$210.00} was made on this credit card ( over a month after his death and from an account that we can't identify based on the statement given to us ). I have asked US Bank to provide all of the records regarding this credit card account, so that I can see what purchases were made and whether they appear to be fraudulent based on the nature of the purchases ( since my brother purchased largely basic items pertinent to his needs ). US Bank has not provided this information and all I have to assess are the credit card statements from billing period of XX/XX/XXXX onwards ( which I have referenced as insufficient above since I can't assess anything about the supposed purchases or billing details and he was deceased at that point ). All the information I have so far is concerning as due to fraudulent charges, which I have communicated to US Bank and XXXX. They have not requested information ( although they have said they will provide but then always give me the same few statements without any additional details ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XXXX of 2023, I transferred a balance of {$15000.00} to USBank at an advertised interest rate of 0 % for 13 months. I paid a fee of {$590.00} to transfer this balance. In XXXX of 2023, I received my statement that showed a balance of {$17000.00} which included the balance transfer of {$15000.00} plus new purchases of {$1400.00}. I paid {$3300.00} to cover my new purchases plus a portion of the balance transfer. In XXXX of 2024, I received a bill for {$17000.00} which included {$3300.00} in new purchases and a balance of {$13000.00} on the balance transfer, plus {$31.00} in interest. I called and asked why I was being charged interest if I had paid all my new purchases plus a portion of the balance transfer the month before. The representative did not understand why I was changed interest and reversed the charge. I then paid {$4600.00} which covered all my new purchases plus a portion of the transferred balance. In XXXX, I received a statement for {$13000.00} which included {$1100.00} in new charges, {$12000.00} on the balance transfer plus interest of {$58.00}. When I called to ask once again why I was being charged interest, I was told it was because I was continuing to use the card and they were charging interest on new charges made after the statement date but before I make the payment. She told me that I simply didn't understand the terms of the offer. I feel this is a very deceptive practice. I have paid all of the new charges each month as well as extra to reduce the balance transfer. I was not given an option or any indication that I needed to pay more, or a way to apply the payment toward new purchases to avoid interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I was first prevented from using my card or even able to take funds out of my account that was funded from unemployment PUA. Card would get declined and unable to access fund withdrawal from ATM. When I called, US bank reliacard they said, account funds were taken back from, PUA unemployment. I called PA Unemployment and they said that their agency did not do what US Bank claimed and that the issue was with US Bank, not them. After speaking to Unemployment and learning that their agency did not have any parts of taking my funds back I called US bank XX/XX/XXXX and received a different answer which was US Bank sent back funds to unemployment due to not verifying identity within timeframe. Claiming PA unemployment was sent aprox {$15000.00} from my account by US BANK. When I called unemployment they looked up my information in their system, which was the only recipient depositing funds to Reliacard account, they did not find any red flag that suggests their agency took back funds, nor did they receive any funds back from USBANK in connection to my name. PA Unemployment said that the matter is with USBANK as they denied requesting or receiving back any funds that were issued to my reliacard account. After giving USBANK the PA Unemployment 's response to their claims, I am no longer given any further answers. When I currently call USBANK customer service either say that they aren't trained in the dept to handle my call and transfer me to another dept, which automatically ends call, or I am told that they can't find my account information. No explanation of any merit has resulted from communication with USBANK when seeking the reason {$15000.00} funds have been removed from account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19604
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a phone call that left a message saying theyre attempting to resolve a personal matter. I saved the message and I called the number that called me which was different from the number that was in the message. The gentleman said that my old bank account from XXXX years ago US Bank, I left them abruptly with owing them money around {$350.00} and now XXXX years later its run up to {$800000.00} or more and that theyve been hired to collect this money for that US Bank. I did have a US Bank account along time ago. The gentleman also had my Social Security number, my address and my phone number. He said they sent multiple letters to my address. I never received a single letter. He threatened to take me to court sees my property, but leans on my XXXX payments, which I live off of. I told him to send me a letter of verification and he said it doesnt work that way he wants to collect the money now and I said I dont do these things over the phone because theres so many scammers out there and he got angry, and started talking in an elevated voice. Dated that their name is XXXXXXXX XXXX XXXX out of XXXX, Iowa. I XXXX XXXX XXXX XXXX in XXXX IA and there isnt one. Him having my Social Security number address bank account he didnt give me an account number it worries me but Im pretty sure its a scam and they were good. A woman called and left a message. There was electronic voice for the reply, phone numbers, and then I called and it was a gentleman, I havent given them anything. All I said was I want their verification letter in the mail and once I can prove that they are legitimate Ill get a hold of US Bank and will work it out and he hung up on me after that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/2024, I paid half of my upcoming mortgage payment amount due on XX/XX/2024. When I tried to pay the remaining half of the mortgage payment amount on XX/XX/2024, I noticed the XX/XX/2024 payment was applied to an escrow account, not the principal and interest of the mortgage. I called the bank on XX/XX/2024 but its mortgage customer service department was closed. On XX/XX/2024, I called and spoke with a representative from the mortgage department who confirmed the XX/XX/XXXX payment was applied to an escrow account. I asked that the payment be applied to the XX/XX/XXXX principal and interest payment due with the correct as of date to match when the payment was received by the bank. The representative explained to me that the bank did not accept bi-weekly payments for principal and interest and could not process the XX/XX/XXXX payment towards the XX/XX/XXXX payment due until the full payment amount was received. Further, the representative indicated the payment would be applied based on the date of the later payment and not when the monies were received by the bank. This process does not allow consumers to pay down principal and interest faster on mortgages and disadvantages consumers greatly. The process is intentionally set up to prevent consumers from paying their mortgages quicker and is not transparent to the borrower upfront as part of the mortgage origination process. The bank says that it does not charge pre-payment penalties to mortgage borrowers but is not transparent in that they do not allow consumers to make mortgage prepayments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX a law firm by the name of XXXX XXXX XXXX XXXX contacted regarding a old closed account from US Bank with dates XXXX of a XXXX debt and stated they work for XXXX XXXX who prepares the legal documents for US Bank . I have not had a account opened with those dates from US Bank and the account was closed in XXXX. This company is collecting from a old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
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: Purchased accounting services and have yet to recieve the services fully completed. Was advised to continue to try to resolve with merchant and when I did that, The bank then refused to assist with the dispute because I was strung along for months with false promises.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After review of my XXXX XXXX XXXX report I found there was a derogatory account that is the result of identity. I contacted both US BANK and XXXX XXXX XXXX via certified mail and issued them Cease and Desist orders for identity theft and furnishing derogatory information on my good name, both companies used no proper procedures to ensure that all the information was 100 % accurate. In fact, I requested a copy of the original documents and that request has been ignored and disregarded. This has brought great distressed on my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was given a gift card in the amount of {$100.00} in XX/XX/XXXX. I went online on Monday, XX/XX/XXXX to order pizza from XXXX XXXX XXXX, in XXXX, XXXX Order received and processed with gift card. This was my first transaction. On Tuesday, XX/XX/XXXX, I went to XXXXXXXX XXXX XXXX XXXXXXXX, VA to purchase dinner and the cashier told me there was only XXXX cents left on the gift card. Therefore, after paying the cashier, I immediately went home to card gift card company. I was informed that a female made several purchases ( online ) using my gift card. And, I wrote the name down, too. The lady told me on the phone that I would have to wait to file a dispute and call back on Thursday of the same week. When I called back to file dispute, I was asked my name, address, gift card number ( of course ), told I would receive dispute papers in 10 days. I was also told that I would have an investigation of 45 days, blah, blah. Well, it is XX/XX/XXXX, I have not received any dispute papers and no credit to this gift card. Somewhere there is {$70.00} plus of mine floating in the clouds, and demand to get it back. I called the gift card company just now and after being put on hold on XXXX minutes, they can not find my gift card or any information. What is that all about? Any assistance you can provide will help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24541
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A