Date Received: 2023-02-15
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: XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Respected Sir/Madam I do have an personal bank account in US bank since XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in XXXXXXXX XXXX XXXX. Since XXXX XXXX account is a new account and had no money in that so to save money in my new XXXX XXXX personal bank account I had made a XXXX transaction of amount {$3500.00} from my US bank account to XXXX XXXX on XX/XX/XXXX. I have received an email from US bank on XXXX XXXX saying that {$3500.00} has been deposited into my XXXX XXXX XXXX account. But when I checked my XXXX XXXX XXXXk account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my XXXX XXXX XXXX account. I have immediately called US Bank and XXXX XXXX XXXX after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those XXXX bank representative responded properly. So immediately I booked an appointment to meet my US bank XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to XXXX XXXX XXXX account.I have shown US bank XXXX my XXXX XXXX account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my XXXX XXXX account he also recognized that amount is not deposited into my account. Even I have raised dispute with US bank about Transaction made but that dispute has been canceled by US bank and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into XXXX XXXX XXXX account so that they can not make any dispute. Even When I called XXXX XXXX none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already XXXX months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am attempting to collect a debt owed to me by US Bank Reliacard, or US Bank National Association. The bank has defrauded me out of {$2900.00} This fraud has now occured 58 times when I have attempted to collect. This is what has happened : I received a statement from US Bank Card Member Services in XX/XX/22. I noticed there were fradulent ATM withdrawals and filed a written dispute to Card Member Services XXXX XXXX XXXX, XXXX, ND XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Wednesday, XX/XX/22. I requested a provisional credit. I had not received a response in 3 weeks. I mailed another 2 copies of my dispute on XX/XX/22. I received a letter dated XX/XX/22 from the Prepaid Dispute Resolution team that said, " we have conluded no error occurred and this matter is considered closed. '' " You may request a copy of the documents we used in determining the final outcome of the investigation. '' When I received my monthly statement after requesting the evidence, I was provided 2 different sets of monthly statements, showing 2 different balances, 2 different card ID numbers and 2 different card numbers, both sets for the months of XXXX, XXXX, and XXXX. One XXXX statement shows a beginning balance of {$4000.00} and an ending balance of {$15.00} with card ending in XXXX. I also have an XXXX statement with a beginning balance of XXXX $ and an ending balance of XXXX $ with a card number ending in XXXX. There was no evidence provided by US Bank against my claim. In my dispute I submitted evidence of my location with exact times and days in question. I have a sworn affidavit signed by my employer that indicates I was working. Throughout these 58 disputes filed US Bank only provided the same 3 months statements. I met with a branch manager who said they could not locate my account in their system even after I provided my personal information, likely because Reliacard deleted my account on XX/XX/22. I contacted the Kansas Department of Labor. I was told that my payroll card was insured and KDOL was not responsible. KDOL said that US Bank Reliacard was liable. The monthly statements used by the bank are important for the following reasons. The letter I received on XX/XX/22 states, " Each investigation consisted of a review of all the information provided in my claim, my account transaction history, location, and pattern of use. '' If the investigation contained information I provided in my claim than they were aware that my physical location on the days of the fraudulent withdrawls put me in a different town. The GPS tracking history and the signed affidavit of my employer prove that. My transaction history does not support US Banks reasoning. My history and pattern regarding the credit union where the withdrawls occured, is non existent. The only use of the credit union where the fraudulent withdrawls occured, was when the fraud was being committed by the thief. At no other point do I have a history of using that credit union or location. US Bank can not derive a pattern of use at a location that has not been used before and does not establish grounds for a denial by US Bank. I was told that US Bank did not contact the credit union to inquire about any dispute. They made no requests for security or atm camera footage. There were 5 other ATM withdrawls made during this time period. These withdrawls were made by me and all occured in locations other than the credit union where the fraud was committed. The amount of fradulent ATM withdrawls occuring at the XXXX XXXX XXXX XXXX total {$2900.00}. With my statement from the KDOL, 58 disputes filed by me, one meeting with a branch manager, pages of accurate third party GPS tracking location of my whereabouts, a signed affidavit from an employer verifying my location, and having no history of use or pattern anytime at the location in question, prove that I did not make, benefit, authorize, or even know about these fraudulent withdrawls. I am owed {$2900.00} by US Bank Reliacard for these withdrawls as stated in my customer agreement which says " You are generally protected from all liability for unauthorized transactions with Zero Liability. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
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: Elan Financial was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the Elan Financial accounts removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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 turned all information the credit card company has requested to resolve the dispute for 2 {$100.00} charges. This company still refuses to take the charges off my card. I even showed them another recept where the charge was placed on a different credit card the same day not 1 minute later because the vendor could not get their receipt to show the amount on it. They are refusing to refund my money. Then vendor is XXXX and does not speak English and does not know how to refund money. I only had a pedicure and a manicure done for 1 person. It does not cost 3 {$100.00} dollar charges at the same business on 2 charge cards in the same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Your car loan company used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am asking : Please remove the hard inquiry for this car Loan from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX/XXXX/22, I opened a business checking account with US Bank. The account had a sign up bonus of {$400.00} if I deposited at least {$1500.00} in new money within 30 days after opening the account and made XXXX debit purchases. After opening the account, I initially funded it with {$200.00}. Then on XXXX I transferred in {$1000.00} and on XX/XX/XXXX I transferred {$350.00}. All these deposits were new funds and I deposited {$1500.00} within 30 days of opening on XX/XX/XXXX. I also made XXXX debit purchases to satisfy the second requirement. US Bank refuses to award the {$400.00} bonus because it claims I didnt deposit {$1500.00} within 30 days of opening. It says my {$200.00} deposit after opening the account did not count. Nothing in the terms stated that the initial funding about would not count. It is also nonsensical since this is a brand new account so any funds added are new funds. Ive contacted US Bank XXXX times and each time the representative agreed that I had properly deposited at least {$1500.00} but yet US Bank keeps denying the bonus. Despite completing all the requirements on XXXX/XXXX/22, I still havent received the {$400.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: applied 4 secured card, they took my money b4 approved, treated very badly when i called to inquire on the XXXX so i withdrew application and demanded money back. Been getting run around since, filed multiple complaints which CFPB does absolutely nothing with. In there XXXX response they allege i called the XXXX for first time, that's a lie it was XXXX, they allege that they tried sending it back the XXXX but that's a lie as per XXXX if they had sent it we would have it and the phone number provided in their response is completely useless, I spent over one hour waiting to speak to some one b4 i had to give up, screenshot attached. If they were honest and well intentioned i wouldn't have to jump thru so many hula hoops to get back money they never should have touched. They would have called me or provided me with a functional email address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've had two fraudulent hard inquires on my credit that I did not initiate. One is from US Bank on XXXX and the other is from XXXX XXXX XXXX. I have no idea where these come from and did not try to open any new accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i found an unknown credit card in my credit report on XX/XX/XXXX company : US bank national association d/b/a elan financial service amount XXXX XXXX usd and i call the bank and would like to dispute the charge and they told me they will look into it but on XX/XX/XXXX i got a mail from them and they told me that i owe XXXX usd which from the credit card i never apply the unknown credit card had several unpaid balance on XX/XX/XXXX and XX/XX/XXXX in california but i do not live in XXXX since XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A