Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I CLOSED two of my US Bank credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT XXXX XXXX Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX was taken from me from the last 3 months. My cards have been stolen along with my phone multiple times. I filed fraud with the bank. They refunded me XXXX and said they would send me a letter. The letter said that I made the purchases. Which I didn't cause my card and phone was stolen. They just took all my pay from my job and my rent money today XX/XX/XXXX. They took everything from both my savings accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had missed a payment due on XX/XX/23. As I had explained to XXXX reps and supervisors, I had both computer issues and a login in problem. In the confusion I thought I had paid my bill until I contacted customer service on XX/XX/23 to get login help. It was then I was made aware I missed a payment. Prior to this I was paying down my bill, making payments on time, not making additional charges. I was prepared to make a payment but found out XXXX severely cut my credit line a deactivated my card. XXXX knows what a {$5000.00} cut in credit does to someones credit They also lied multiple times denying the function of my card and restoring my credit limit. XXXX is also financially profiting from my innocent missed through fees and exessive interest. The way XXXX clobbered me for one week overdue shows XXXX has no intention of doing an honest business with me. Provoking me to default so to profit from additional fees and interest. Sell the debt, write it off, they don't care. I want to continue making payments with my credit line restored to where it was. Fee waived and card reactivated. Nothing else is satisfactory. Card # XXXX Cus Serv Phone XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06704
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I wrote a check for {$670.00} even. The very next day looking at my bank account I noticed a withdraw of {$970.00}. The check clearly was written out for {$670.00} both numerically and with the write grammar of XXXX XXXX seventy-five dollars. ON XX/XX/XXXX I called customer service at US Bank to confront the issue. I was first told a supervisor would need to investigate and get back to me with in 3 days. That never happened so on XX/XX/XXXX. I called again looking for a solution where another customer service agent informed me that a XXXX will need to file a claim. I waited a week and around XX/XX/XXXX. I called yet again only to discover the claim had not been processed accurately. Therefore no claim was set up. I am still owed {$300.00} dollars. I called XX/XX/XXXX and this time a claim was filed via claim # XXXX. I was told it could take XXXX to XXXX business days to resolve. Today XX/XX/XXXX I called again and was told the claim is still in process and yet again without {$300.00} owed to me. I don't understand how hard this is to resolved which was clearly a teller error or computer error. Please help resolve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. US Bank 6. XXXX XXXX This was very disturbing as I am not aware of any of these enquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Received letter from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX claiming I owe {$19000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from XXXX XXXX on XXXX never received information on owing these funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/22 my credit file was pulled unknowingly so I need this to be removed from my report with prejudice.. I called but no answer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company reported this problem does not belong to them ( XX/XX/2023 ) Company pulled 4 hard inquiries ( discrimination ) no reason for them to pull these requests at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: U.S Bank ReliaCard XXXX {$1400.00} {$410.00} XXXX etc ..... I noticed unauthorized transactions and transfers in XXXX of XXXX. I filed a disputes no actions resolved fo unauthorized transactions. I have made numerous of complaints concerning the unauthorized transactions no ACTION nothing was resolved! Bad customer service representative dont know anything about ending balances in account CSR have no expectations when asking questions regarding beginning balances and remaining money in accounts, very ridiculous! Missing Funds in two Government prepaid debit card accounts .This has been a ongoing issues with U.S Bank ReliaCard.. etc card holder services XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX for period XXXX showed balance of my rewards as {$81.00}. It was after credit of {$14.00} was made on that statement, which means that the balance of rewards was produced after that credit. the next statement for the period XXXX showed a balance of rewards of {$81.00}. I have not used that card until XXXX of XXXX. That statement for the period XXXX failed to indicate of what was my previous credit balance and indicated only my " new balance '' for that period which obviously included year XXXX only {$10.00}. When I called today the credit card company ( i.e., XX/XX/XXXX ) and talked to a lady by name XXXX, she told me that the balance is only {$73.00} and deductions were made for those XXXX credits mentioned in previous statement?! Such huge deduction was unjustified and unfair. That last statement with {$10.00} credit indeed shows a deduction of {$9.00} for a fraudulent charge to my credit card but that deduction does not justify that judge reduction in my rewards balance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A