Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I paid US Bank {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted US Bank today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. After calling US Bank I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that US bank sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. I have made several disputes online, and several phone calls with US Bank as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to deposit the {$120.00} in the ATM at US Bank XXXX XXXX XXXX XXXX ( it was XXXX XXXX and the lobby was closed ). I selected to deposit the cash in the ATM ( XXXX - {$20.00} 's ) and when the cash was pulled into the machine there was a longer wait than normal while it was trying to proccess my cash deposit. Then it said " A machine error has occured, unable to complete deposit ''. It printed out a receipt with no dollar amount stating " a machine error has occured, we are unable to credit your account ''. So it took the entire {$120.00} and did not give it back. I immediately called US Bank customer service and they opened a claim. They said it could take up to 10 business days to investigate and get my money back. I need to file this early in the " investigation '' because I am certain I will not get my money back, and I am furious. All I have is a receipt that shows NO dollar amount verifying how much I tried to deposit, I'm pretty certain they have no way to actually track it in the machine and verify the amount I lost.. This has devastated me. I receive GA every month ( {$120.00} ) which I always deposit into my checking account at US Bank, once I withdraw the cash from my XXXX card ( at XXXX XXXX XXXX there is no surcharge ). That WAS THE ONLY MONEY I HAD TO MY NAME!, and now it's GONE and I am SCREWED because I needed that money urgently for personal needs and a couple of bills. This is just WRONG and UNACCEPTABLE for ATM 'S that are designed to handle check/cash deposits to make errors like that and to just keep the money. This same thing at the same ATM did the same thing last summer when I tried to deposit {$100.00}, the ATM " ate '' the money and a claim was filed, I got it back. because the ATM was able to give me a receipt that showed {$100.00} deposit but not credited to my account. I thought that incident was just a fluke, because I have made a bunch of smaller cash deposits in the same ATM since then, including a {$25.00} cash deposit the night before and it worked just fine. THIS TIME, it ate the ONLY money I had and just gave me a receipt with NO dollar amount so I guess I am out {$120.00} dollars and I desperately needed that money, and I am really suffering because of this loss. I strongly suggest US Bank customers not to use their ATM 's for depositing cash/checks, they take your money and you don't get it back. Another customer a while back told me in passing that that particular ATM doesn't work right. So if they knew their ATM had issues why didn't they fix it??? Malfunctions in ATM 's like that with no measures in place to eject the money back out in the event of an 'error ' is unacceptable. This error has caused significant problems for me and I am really suffering because of it, and this should not ever happened in the first place, I need my money back ASAP!!!
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: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Although this account was closed in XXXX, the information being account delinquent is still showing on our credit reports. Per HJR 192 all Public and Private debts no longer exist and Privacy Act of 1974. We want US Bank Home Mortgage to completely remove this from our credit reports ASAP. This account is closed and paid and need the negative information removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I am writing to file a complaint against US Bank regarding their inaccurate reporting of my credit card information to XXXX and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. On XX/XX/2023, my US Bank account information was deleted from XXXX, leaving me with only one credit card account, which negatively impacted my credit score. On XX/XX/2023, I immediately reported this issue to US Bank and requested that they correct the issue and report the account accurately to XXXX. However, US Bank has not taken any corrective action within the 30-day deadline ( reported XX/XX/2023 ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. Today, US Bank account information is still entirely missing from XXXX. At the same time, this US Bank account does exists on XXXX and XXXX. Keep in mind that US Bank company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. But still missing on XXXX no matter how many times I contact US Bank. I was told by US Bank " everything is reported accurately. '' each single time I contacted US Bank about this issue. I reported to US Bank in accuracy and even showed XXXX and XXXX Report showing my account information. US Bank ignored my dispute. As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. US Bank has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have been contacted by the lawfirm below. This is my letter back to them and it contains all the information needed to file this complaint. XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTENTION : XXXX XXXX NOTICE AND AFFIDAVIT OF TRUTH Hello XXXX XXXX : I responded to a letter from your corporation once before and told you that you were committing Identity Theft and you would be held liable for the sum of {$250000.00} for this crime if you did it again. Today, I received another correspondence from you XXXX XXXX under the letterhead of that corporation of XXXX, XXXX XXXX XXXX, XXXX. and this time you could not even get the address right. You are XXXX XXXX You can not talk to me! You, XXXX XXXX, represent a corporate entity with no authority over me, a man. Neither your firm nor you personally have any security interest in the real property in question nor the paper pertaining to it. I have no contract with you personally nor with your firm, XXXX, XXXX XXXX XXXX, XXXX. I am not the surety for this Account and i am not the PERSON you are addressing in your correspondence. I am a living man, not a name. The Account has been satisfied previously and also ab initio and the security interest has been lawfully rescinded. XXXX, XXXX XXXX XXXX, XXXX. and/or XXXX must Send a check for the amount on the XXXX XXXX I have enclosed if they can figure out the right address. Every time you try to correspond with me I will charge you another {$250000.00} for Identity Theft plus {$1000.00} for each word in violation of Consumer Financial Protection Bureau regulations or which is offensive to me personally. If your firm attempts to steal my property, I will add appropriate charges of XXXX XXXX dollars to this XXXX XXXX and file a case in District Court against you XXXX XXXX in your personal capacity and in your capacity at your law firm. XXXX : XXXX XXXX XXXX, Beneficiary, XXXX, Account Owner, XXXX, Original Creditor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My credit card was compromised and fraudulent charges were made. I thought the account was closed but apparently not. I am not denying that the account was opened by me but the debt/charges that remain on there are due to fraudulent activity/identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in XXXX XXXX, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade and move the market. Foolishly I tried investing {$1000.00}. I sent it to XXXX via wire and there it was exchanged for crypto currency and from there it was transferred to a XXXX XXXX where an exchange named XXXX was accessed through a " XXXX XXXX ''. After a few deposits he had me switch to from XXXX to XXXXnow it is obvious that XXXX had XXXX out the scam and shut them down. The first investment went so well that I decided to invest $ XXXX and of course the gains were astounding ( 30-50 % ). At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade which was open for 48 hours. Immediately after placing the trade he called me to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed ( 48hrs ) to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX to help " protect '' the position. Just before the trade was set to expire he called me and tried once again to get me to get the $ XXXX and or trade the last $ XXXX in my account and I told him no I was done. The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform which was held inside my XXXX wallet was fictitious and there were never any real trades made. The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Around XX/XX/2022 I had problems using my US BANK debit card and accessing my account and I didn't know why. A few days prior someone tried to scam me as a fake employer and deposited a fake check in my account for me to wire transfer elsewhere for office equipment. I made the bank aware of this and they weren't at all helpful and said once the check gets returned for fraud we'll investigate and withdraw the funds. At the same time I initiated a balance transfer of {$6000.00} on one of my credit cards in my girlfriends name that came to us in the form of paper check. She tried cashing it and was denied as she didn't have an account with US BANK so she gave up for the time being. I believe it was the very next day she went to a different branch to try again and the manager told her to sign it over to me since it was already on my account and I can cash it. That didn't make much sense to me but I did it and deposited it thru my app and remember that it kept giving me problems and I took it into a branch on a different day. Come to find out my account was frozen due to a fraud investigation and Since around XX/XX/2022 I still haven't had access to my account and they will not release my positive balance of aroudn {$2500.00} and I can't seem to get a reasonable explanation, I get the run-around almost every time and if I call I'm transferred multple times over . One of the first letters I got said that after 15 days they will be sending a check with my positive funds but that never happened. It's been 4 months and that one setback has totally ruined my family financially unfortunately. We haven't been able to pay our bills like normal and are currently behind on the mortgage 4 months and over {$6000.00} and facing foreclosure. They have no sympathy in the matter and don't seem at all interested in making things right and returning my hard earned money. They've already made it clear that there are no further charges on my account or fees/fines and that is a good standing positive balance but for some reason they cant give it to me. One phone operator told me to go into any branch and request the funds and i should be able to pick them up no problem, and when I tried I waited over an hour for them to tell me they need to look into it further and I left empty handed. It may seem like a small amount of money but it's the difference between my family being homeless or not in the very near future. We are absolutely devastated, terrified and angry that after almost 15 year banking with them they could just treat me like a piece of garbage. Apparently when I initiated the balance transfer it shouldn't have gone to a person but rather an institution and secondly I shouldn't have tried to cash it myself. I wasn't aware of that and they allowed it to happen anyway and we were instructed by management to do something fraudulent. It doesn't make any sense and if anyone should be investigated it should be that manager. Plus they're claiming that my girlfriend already cashed the check, then I tried cashing it too so that triggered the fraud on my account. It was absolutely at the direction of the branch manager at the US BANK on XXXX XXXX XXXX XXXXXXXX XXXX XXXX. And how do I still have the check if it was apparently cashed multiple times. So now I'm also being charged for the {$6000.00} on my credit card that we never received which doesn't make sense either. So my payment is {$900.00} past due and without access to my account and going into everything blind they claim the money was disbursed to my girlfriend even though it wasn't and I still have the check. Everything about how this turned out is very shady and I'm being punished because I tried writing a check to my girlfriend so we could pay off high interest credit cards with the {$6000.00} at no interest. That money was never made available to us in any way and I don't know why I'm being charged for it still if it was an incorrect " fraudulent '' check in the first place. I would never knowingly do something that wasn't above board or legal and was just trying to take care of my family and combine other credit card debts into a single payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: So I had a XXXX retirement account and a consumer visa credit card and I had an extremely hard time paying my bill because of a hardship. I had quit my job was denied unemployment and still waiting to get approved for social security I neglected to pay my bill and the company would not work with me XXXX credit card my father that past away a year ago had said not to open any accounts with credit cards but I had a really hard time because the advertising was too good too be true I always loved free money when available but nothings free in this world u got ta pay for things and with my XXXX I was struggling to pay my card finally I got it paid in 2 months it was difficult and I closed my account when I spoke to them before I said could u waive the account and they wouldnt work with me Im XXXX and Im very vulnerable to things so I see things differently than others I have a lot of challenges I have had in my life financially and it put me in a bad place I just thought XXXX would have helped me out and they chose not to I had to suffer and it was hard I had to pull out ot my Ira which I really find it frustrating they charge u to take out of your Ira makes it really hard I dont like to be the bad guy Im usually try and be respectful and responsible but my dad had died that month and it was difficult
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Back in XXXX There was XXXX Transactions with XXXX XXXX. Both transactions were disputed and I processed a claim. I only received one in the amount of {$5900.00} and the other was for {$2600.00}. I was advised that the claim for {$5900.00} was approved and that because the other one came back automatically they had closed my claim. I then called US bank and advised them that they took out my money again without my consent and I was told not to worry that they were going to re open the claim and credit the money since the 1st one was approved already the 2nd claim should also be approved. I request for that money back. I just received this collections letter and all this time US bank never advised that my account was in negative or in collections. I demand that the they do not put any amount in collections since I advised US BANK timely and filed my claim advising them that both amounts were not authorized by me. The account in question was closed due to fraud which ends in XXXX. It was closed in XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A