Date Received: 2023-03-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/XXXX account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT WITH THIS COMPANY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61115
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: When I opened the US Bank account I charged an item. I never received a statement or payment request. I sent in {$35.00} anyway. They sent me late fee charge. I complained and they reversed the charge. Their 1st they came back with a late fee-weird. They never sent me paperwork for bills/min. payment so I continued to send {$35.00} per month. I transferred credit card funds from another card. They were suppose to give me a year before any interest, they violated that & again no paperwork that they implemented the transfer early. All of a sudden they are saying I owe them over {$500.00} and created all these false charges and late fees. My debt went from XXXX to XXXX. I submitted a XXXX complaint. They tried to intimidate me with sending books of paper, more than 50 pages at a time saying I owe them all this money. This is onlyXXXX I have no other cards and have a XXXX credit score. Then they attacked my credit score 1st took it down to XXXX then attacked it again so it is now XXXX without consulting me or communicating with me. I've have had my home over 37 years, I pay all my bills. This company is not sane. After fighting for months they sent a paper if you pay {$76.00} per month we will only charge 4 %, I accepted that but they kept sending books of papers with different amounts of over {$500.00} per months required. I told them I will not be intimidated. They have violated this before and penalized by you. Looks like they continue the same practice to intimidate smaller customers. I have no other bills or companies that would impact my credit score, all bills are paid on time Government Action : XXXX reports on known government actions involving business marketplace conduct : : CFPB Consent Order On XX/XX/XXXX, the business entered into a settlement with the Consumer Financial Protection Bureau ( CFPB ). The CFPB alleged the business illegally accessed its customers credit reports and opened checking and savings accounts, credit cards, and lines of credit without customers permission. The CFPB found that U.S. Bank violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, the Truth in Lending Act, and the Truth in Savings Act. Under the terms of the settlement the business paid a {$37.00} XXXX penalty to the CFPB, and the CFPB will deposit it into the CFPBs victims relief fund. The business is also required to develop a plan to remediate harmed consumers by returning all unlawfully charged fees and costs, plus interest. The Consent Order was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. For more details go to the below link. U.S. Bank provided the following response : " This settlement related to legacy sales practices involving a small percentage of account dating back to XXXX. Since XXXX, the Bank has made process and oversight improvements that have been effective in addressing these sales practices concerns. The concerns were focused on opening checking and savings accounts, credit cards, and premier and reserve lines of credit without customers permission. The accounts at issue were consumer, not business or institutional, accounts. The action by the CFPB closes out a 5+ year investigation. We are pleased to put this matter behind us. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: i had a secure credit card with US Bank and have made all monthly payments on time for the past two years. US Bank has failed to upgrade the card to unsecured due to credit per the denials. i had the same credit rating the for past two years with my score going up at time for on time payments. I believe that US bank have not extended credit due to complaints. during my sickness i phoned US bank for help with the credit card and was told by XXXX customer service rep and XXXX supervisor that US Bank has no option for secured card holding during unemployment or XXXX. i aslo expressed that us bank fees, annual fees and late fee is the reason that the card was over balance several times. Us bank wait until your balance is near the credit limit and then post all the charges such as the fees at one time. i have requested manager call back several times no response see letter payment is incorrect and account was closed before i received this letter. Us bank was well aware of my health.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: During the week of Monday XX/XX/XXXX I was informed that I had a soft decline on a HELOC application with US Bank due to my student loan debt. I provided all of the additional documentation including XXXX XXXX guidelines showing how to calculate the monthly debt to income ratio with student loan payments. I provided the following documentation : 1 ) My student loan has been approved for discharge 2 ) I am currently in an income driven repayment plan and my student loan is currently in forbearance and is scheduled to be in forbearance until XX/XX/XXXX. 3 ) My scheduled monthly payment is {$83.00} In spite of this documentation the lender has insisted on using a monthly repayment amount of {$4200.00} and denied me a product I am otherwise eligible for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, On XX/XX/XXXX my US Bank Checking account was put under review for XXXX transactions I authorized out of the account and has been set to close ever since then but has not been officially close and my funds have been frozen ever since. Since that date, I have called 10+ times as well as visiting my local branch and have received a multitude of answers from service representatives. An agent told me I can go up to my branch on XX/XX/XXXX to collect the {$1900.00} balance in the account to which the branch manager called the back end and it was confirmed thats not the case and my funds are still on hold. I have been told this process would take a week but here I am a month later without my funds and have recieved ZERO correspondence via phone, mail or email about this whole ordeal and I am wondering if I will ever see my money again. The account is not closed and they are using that excuse to not disperse my funds but whatever state the account is in at the moment I am not able to login to online banking or withdraw funds in any way Please please help me I am afraid I will never see my money again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45701
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I open a U.S. bank checking account online on XXXXXXXX XXXX XXXX with promo code XXXX, the promo code terms and conditions say " Make two direct deposit and earn {$500.00} when your direct deposits total {$6000.00} or more ''. I made two direct deposit from my employer e-paycheck on the day XX/XX/2022 and XX/XX/2022, $ XXXX each which makes me believe all the requirements to earn the bonus are met. Unfortunately, I haven't see any bonus in my checking yet. Contact the bank customer service couple of times and today I receive a mailed letter telling me that my request has been declined just because this checking account is co-branded with State Farm XXXX which is not eligible for the bonus. I don't get it, are you telling me this account is not U.S. bank checking account? If it's not eligible for the promo, why the online system honor the code and let me go through account open process? I have the letter scanned and attached here, it says the promo code XXXX is on file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was suppose to receive {$150.00} at XXXX after spending {$500.00} in the first 60 days of opening the account. I was also suppose to receive 5x the reward points for each dollar that I spent at the XXXX XXXX XXXX I have not received any of this and just keep getting the run around. I have spoken with multiple supervisors, managers and have receive conflicting information on numerous occasions. I just want the rewards I have earned. I have spent way over {$10000.00} dollars at XXXX XXXX and have not received the 5x rewards points like I should have. ( {$10000.00} was just one purchase that I made at HD ) I have been receiving XXXX point per dollar. Every time I call they acknowledge I should be receiving 5x points but I am not. They are asking me to send verification off the offer that was on the web page when I signed up. I have asked numerous time to file a complaint and they will not let me take this to the next level. They say they will submit it and it will take 30 days to get a reply. I have attached the first reply. They want me to send further verification of the offer that I signed up for on their web site. I signed up specifically for this card for these rewards. The supervisors I have spoken with verified I should be receiving these rewards. I have attached screen shots from the page I signed up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: ( DO NOT CLOSE THIS ONE OR LISTEN TO US BANK!!!!! THIS ISNT A DUPLICATE!!! I am GOING TO POST A COPY OF MY BANK STATEMENT WITH THEM TO PROVE THIS DOES IN FACT BELONG TO THEM AND THAT THEY ARE RESPONSIBLE! ) So I contacted US Bank, more specifically their Dispute Center, to report the following transactions as fraud : XX/XX/XXXX - XXXX XXXX : {$280.00} XX/XX/XXXX - Transfer to XXXX XXXX : {$320.00} XX/XX/XXXX - XXXXXXXX XXXX XXXX {$350.00} XX/XX/XXXX - Transfer to XXXX XXXX : {$350.00} XX/XX/XXXX - Transfer to XXXXXXXX XXXX XXXX {$350.00} XX/XX/XXXX - XXXX : {$260.00} XX/XX/XXXXXXXX XXXX XXXX : {$100.00} With those disputes they approved the transaction from XX/XX/XXXX from Transfer to XXXX XXXX because I provided a detailed description of the fraudulent activities with said XXXX XXXX account, to where any time Id get money on my US Bank account, they would do an Automatic Withdrawal, which I had no idea even existed, until I saw these transactions on my account. But because that one was approved in my favor, I figured the others would too, but they denied EVERY LAST ONE OF MY OTHER DISPUTES WHICH IS RIDICULOUS BECAUSE HOW CAN I PROVE THAT IT WAS FRAUDULENT BUT THE SAME THING KEPT HAPPENING AND YOU DONT APPROVE THE OTHER TRANSACTIONS THAT ARE JUST LIKE IT??? Even though I provided more proof than before???? Not only that but for the points purchases I literally sent in screenshots showing that these companies not only didnt provide me with what was purchased but ALSO deducted ALL MY EARNED POINTS OUT OF MY ACCOUNT FOR UNKNOWN REASONS. US Bank STILL gave the case in their favor I faxed all the necessary documentation, and they STILL denied my claims and made my account go in the negative I had my card used fraudulently. PROVE TO THEM IT WAS USED FRAUDULENTLY, and they STILL put me in the negative over {$1400.00}. GIVE ME MY MONEY BACK FOR THESE FRAUDULENT TRANSACTIONS This is a formal warning on a government regulated forum that allows public notation of my complaint, as Ive been advised by my attorney to give you all this last opportunity to rectify this situation or you all will be sued in a class action suit headed by others who have already gone through this, along with my own personal claim against you all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 {$1200.00} was added to overdraft when {$1100.00} was transferred over on XXXX and I added up the cost and it was not overdrawn at all! I called US Bank four times to speak with a supervisor and was told I would get a call back but it instead they transferred over another {$1200.00} over and never returned my call to explain at all! I would like my money back ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Sued by us bank for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A