Date Received: 2023-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: us bank has been reporting the wrong information my name is XXXX not XXXX and is effecting it negatively acccount : XXXX i would like wrong information to be deleted off my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife was in an accident XXXX XXXX and we purchased her new vehicle XX/XX/XXXX. I traded my XXXX XXXX XXXX in on the purchase. XXXX XXXX XXXX stated they sent the payoff to US Bank shortly after the purchase. US Bank called stating my payment was late when it was not even a week late. I told them that the car had been traded in and they should have payment any day. They called again a week later stating payment was two weeks late. Again advised them of the trade and XXXX XXXX XXXX confirmed sending the payoff. Third call from US Bank and I went to XXXX XXXX personally and they sent overnight payment. US Bank got the payment then showed me 60 days late and closed account causing a XXXX point drop in my credit score which I am NOT happy about at all and want the 60 day late removed from the account and my score restored to what it was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My card was comprised on XX/XX/2022 heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting relia bank denied my dispute with no evidence how they reach that agreement I am highly upset
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a credit card without applying for one. I read that US Bank had just sent out cards. I received the card from US Bank. How did they get my soc. Sec. #? This is very upsetting. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I received an email from XXXX XXXX notifying me about a new hard inquiry. The inquiry was from US Bank and I did not authorized this. Someone is using my social security number and this person is trying to open credit cards. I called the bank but it was too late to speak with the right department ( I called after XXXX ). However, the bank representative provided me with the right department phone number. I am going to call them on Monday since they are close over the weekend. This situation has put me in high alert since someone had try to open a credit card account with another bank ( XXXX ). I have put an alert on my XXXX account and I filled a report on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry on my XXXX Report between XXXX. I received an alert from XXXX XXXX about this inquiry. The inquiry was made by US BANKXXXX XXXX XXXX I am having difficulty reaching someone at the company. I have been on hold an hour, and bounced between calls, and placed on long holds. I have placed an freeze and fraud alert on my XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Usbank and XXXX refuse to do anything after someone scammed my account. I disputed the claim and they denied me, but sure as heck they charged XXXX overdraft fees in the same day. They refuse to do anything to help me and Ive never filed a dispute in my XXXX years of banking with XXXX BANK. Do not use this bank. They will charge you fees up the XXXX and then refuse to help their customers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 989XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Complaint against XXXX I purchased a {$200.00} XXXX visa gift card for my granddaughter XX/XX/22. The card was taken off of the card XXXX at XXXXXXXX XXXX XXXX and we have been fighting ever since to activate or purchaser with this card. Another problem is that there is no way to communicate with the company except by a phone number which then directs you to send a fax which is never responded to. There is no location address on the site, help line or customer service once a card is purchased. The website is pretty much blank except for this phone number where an operator gives you the fax number. Once you fax you never hear back. That is why my granddaughter reached out to me, but then I never heard back either. Company Website : XXXX The company is XXXX, No location address available, and their Headquarters FSV Payment Systems , Inc . Step by step My granddaughter was never able to create an account. Every time she tried, on the site, it told her something went wrong, and she was never able to proceed and enter the card information to access the money prepaid. When she called the help number she was told to provide information, to no avail. I faxed a copy of the receipt, both sides of the purchased card and its cover nothing. I have enclosed reviews from others in the public. I feel this is happening because they can get away with it and they know it. This seems to be a policy because the card bank and its headquarters are complicit. From the many online reviews, it seems untold numbers have suffered the same fate with no resolutions. I wrote to them informing them as to those I would be sending this information to, but they could not care less, because they feel nothing is going to happen. As I write this, I still have not heard a word from them, they continue unabated. I wonder if a class action suit could put a stop to the scam. The public is in essence being tricked into sending this company free money. I went online to check the reviews of this company and found fraud and abuse in these reviews. This company just keeps the money, and that's it! You are never able to use the card or get a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On several different occasions, my balance will show more than what is in the account. At first, I thought I had just miscalculated, but, then I was hit with a bounce fee. When I went to see how I could have bounced, I seen the amount had been " adjusted '' only AFTER I had spent the extra money in the account. This has happened two other times as well. Today, I checked the account against my math, and the account shows an additional {$12.00} over my actual figure. I had my husband do the math as well, and his matches mine. {$12.00} don't seem like much of a difference, until you spend XXXX only to find out you really only had XXXX. Then, another bounce fee. Why are they allowed to do this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX I made two check deposits both checks where for the same amount but diffrent dates and check numbers, On XX/XX/XXXX Bank said they where duplicates so they took out funds in the amount of check and returned check by mail, Bank manager noticed they where not duplicates and resubmitted the check on XX/XX/XXXX. On XX/XX/XXXX the Bank took out the amount of the check deposited on XX/XX/XXXX the check they said was a duclicate, they toook the amount of the check because they said they gave me credit for the duplicate check when my account clearly shows it was deducted back on XX/XX/XXXX. Now the bank refuses to return my amount of the check {$1500.00} that was taken out XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 948XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A