Date Received: 2023-02-08
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2022, I gifted my fianc a {$500.00} Visa gift card as a token of my love and appreciation. However, much to our surprise, the card was fraudulently used and its balance had depleted to around {$50.00} a few months later. Determined to resolve the issue, I reached out to the customer service department by calling the number on the back of the gift card. After speaking with a representative, I was advised to send a fax of the receipt proving my purchase and a copy of my government-issued ID. Despite multiple attempts, the fax was never received by the customer service department. Today, I had the displeasure of speaking with a representative named XXXX, who informed me that the only way to send the documents was via fax. When I asked for an alternative method, XXXX was unable to provide one and hung up on me after I requested to speak with a supervisor. Frustrated with the situation, I am now filing a complaint with the CFPB against US BANK, the issuer of the Cardholder Agreement, and have attached proof of purchase, the gift card, and my government-issued ID. I hope to receive a prompt and satisfactory resolution to this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sold my house in XXXX paid in full. It was even transferred at the county office. US bank home mortgage 5 years later is reporting late payments starting XX/XX/XXXX to XX/XX/XXXX when I havent owned a house sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Received payoff statement. Wired more than the payoff amount. Representative said the payoff letter may not be good. She was seeing a prepayment penalty if paid off before 36 months. This loan was taken out XX/XX/XXXX and today it is XX/XX/XXXX, so it has been in excess of 36 month as the last day would have been XX/XX/XXXX. The prepayment clause speaks to 36 months, not 36 payments. I have included the payoff letter which does not show a prepayment fee and the loan which clearly states a fee if paid off within 36 months, which this was not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my account with US bank on XX/XX/2023 with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX trying to access to my online banking and is giving error, I cant access. I sent XXXX emails to XXXX to see what is going on and how to fix it, but she is not answering.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I did not apply for credit from ELAN FINANCIAL SERVICE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11762
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I was provided a prepaid government issued debit card for unemployment benefits from US Bank. Starting in early XXXX without notice US Bank locked this card, which had a significant balance, and requested that I provide a copy of my driver 's license and a " selfie ''. I received a letter on XX/XX/XXXX after the account had already been locked. Unemployment had already verified my information. When I called about my concern that this sounded weird and that my other credit cards and bank did not require this, they told me that they were requiring this from everyone and my other financial institutions would probably start asking for it as well, which they have not! I said that I have had my identity stolen in the past and I was not comfortable with this and asked that my account be closed and send the money back to unemployment - not even me, just the " entity ''. They said that when a card has been locked they can not close an account. The letter I received said that if they did not receive the copy of the driver 's license and a " selfie '' by XX/XX/2023 that the account would be closed and the remaining balance would be returned to the " appropriate entity ''. It is now XX/XX/2023 and the account is still not closed and they have not returned the remaining balance to the unemployment office. I have a working spouse, what if I was single and had no other income?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I attempted to make a deposit into a usbank drive up ATM machine. The machine initially wrinkled the money and spur it back out. I then resubmitted the money. The machine then froze and stated processing transaction for about XXXX minutes. Then returned my card.but not the money. The machine then turned off tv gem reset and stated a .escape this machine unable to accept deposits. I took a picture of message. Online banking showed no history of the deposit. I tried calling the bank but was unable to reach a person and was disconnected XXXX. Tines. I then clef the fraud department and wS told there was no history of me bend at the ATM. However my GPS and phoneog can prove otherwise. I was told today my claim was denied. I know there are cameras at arms. I've been an unproblematic customer for over XXXX years. I've filed a puce report regarding this matter also. My account is now overdrawn and I'm experiencing financial hardship due to this transaction. I don't feel that worth today 's technology there isn't a record of my transaction and footage of the issue. I was told my claim was denied but I must wait XXXX to XXXX business days for a letter to tell me why. All while I'm being charged overdraft fees and having my bills returned annd will assessed additional fees and possibly have my services disconnected. All while receiving no explanation for a large financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX - Id theft and account takeover of USBank XXXX card + other cards/accounts. This dispute is regarding the US Bank XXXX card. I had an original owed balance of {$1900.00}. After the fraud the balance went up to {$7300.00}. XXXX - I created FTC Id theft report # XXXX, filed a police report with the city of XXXX, Oregon, reported fraudulent activity to USBank, sent police report & affidavits to US Bank upon their request XXXX - US Bank flagged my account as fraudulent but did not remove {$5700.00} in fraudulent charges. Upon my phone call USBank said the case was " resolved '' but it still posted the {$5700.00} as owed by me. US Bank reinstated the monthly auto withdrawal of {$480.00} on my personal checking to pay the {$5700.00} which I didn't owe ( + original {$1900.00} ). XXXX - XXXX Several phone attempts by me to have USBank stop the auto withdrawal of my personal checking account. The account was flagged so customer service couldn't get in to stop the auto-withdraw and they would send me to Fraud Dept . The Fraud Dept would say they don't have anything to do with billing and I needed to talk to Customer Service. I tried to log in to USBank but the account was locked. Tech support at USBank couldn't do anything because the account was flagged as fraudulent. At their request I sent ANOTHER copy of police report, affidavits and all my notes, evidence. I ended up having a " stop payment '' put on the by my bank, XXXX XXXX XXXX XXXX, but not before they collected several months of {$480.00} payments ( an on amount due which was fraudulent ) XXXX - XXXX - In dispute with USBank regarding amount due. Once I stopped sending them money, they started looking at my account again to resolve it. In XXXX I received letter that the {$5700.00} was credited to my account. I was still disputing {$650.00} in charges due to them withdrawing money from my checking as well as other smaller fees incurred by me canceling the auto-debit at my XXXX XXXX XXXX XX/XX/XXXX - Spoke with XXXX - a USBANK supervisor in Customer Service who handles Fraud and he escalated me to the Operations Manager. I told him I am happy to pay on the original {$1900.00} that I owed and nothing more. He said USBank would begin billing me and we both agreed to use regular mail to circumvent all the previously stated issues. XX/XX/XXXX - I received a letter from XXXX XXXX Debt Collection representing USBANK! I never received any communication from USBank after my conversation with them XX/XX/2021. I did not know my account was being sent to collections! So, with XXXX I agreed to start monthly payments of {$150.00}. That account is running and is current. I did NOT know this would be called a " charge off '' and I did not know how negatively it would affect my credit report. FTC IDENTITY REPORT # XXXX XXXX XXXX I HAVE APPROX XXXX PAGES OF NOTES, RECORDS, POLICE REPORT, AFFIDAVITS, BILLS & COMMUNICATIONS FROM USBANK AND OTHER CREDIT CARD COMPANIES INVOLVED IN THIS CASE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone filed a change of address in my name to an address in XXXX Texas. Some of our utility and credit card bills along with our mortgage statement went to the new address. Using the information in them they applied for, and received, credit cards from US Bank, XXXX XXXX and XXXX XXXX XXXX. They also applied for a card from XXXX XXXX which I disputed before the card was issued. We have contacted each of the banks involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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 attaching the documentation I have regarding the duplicate charges from XXXX XXXX for a utility sink ordered XX/XX/2022. XXXX XXXX charged the USBank card 11 times. 2 charges on XX/XX/XXXX, one charge on the XXXX, two charges on the XXXX, one charge on the XXXX, two charges on the XXXX, two charges on the XXXX and 1 charge on the XXXX for the exact same amount of {$220.00}. These charges were in a Pending status on the USBank online activity site. I called XXXX XXXX and they said that their system will continue to charge, then credit my USBank card every day until the sink came in so I canceled the backordered utility sink and I ordered another utility sink. To date, I have not been credited for 4 of the charges of {$220.00} for a total of {$900.00}. I have battled between you and XXXX XXXX for 5 MONTHS! I finally got XXXX XXXX to send me proof of their claims that I was credited back on the charges that they did which were only 2. I am sending you their documentation along with mine to resolve this situation. It appears to me that you owe my account 4 credits of {$220.00}. This needs to be resolved. I really dont want to bring attorneys into this but quite frankly, 4 months of this battle has taken its toll. Please resolve this matter immediately so we can continue to have a proper, secure working relationship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 813XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A