Date Received: 2023-01-06
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: My husband purchased a {$300.00} XXXX gift card for me as a gift from XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, TN ) on XX/XX/XXXX and received an Activation Status Receipt with an authorization approval along with the gift card. The gift card packaging was unopened and intact. I attempted to activate the gift card online at prepaidgiftbalance.com on XX/XX/XXXX and received an error message ( Prepaid Gift Balance is a part of US Bank Gift Card which is a part of FSV Payment Systems ). I called the XXXX # on the card and was routed to a Customer Service Rep. I was informed the gift card had been deactivated because there was attempted activity on the card in XX/XX/XXXX and it was sold and loaded with funds in XX/XX/XXXX. This indicated fraudulent activity to them and thus the deactivation. I was told they would look into my issue but contact the store where it was purchased since the problem happened there. I faxed the requested info to prepaidfigtbalance.com to start the " investigation '' and followed up a day later to verify they received the fax. They told me it would take 5 days to verify they received my fax. If they didn't receive it to fax it again and wait another 5 days for verification. They don't have an email to send documentation. They will not let you talk to a supervisor or escalate the issue. I contacted XXXX Customer Support on XX/XX/XXXX and they were unwilling to assist me. I went to the local XXXX store where the card was purchased on XX/XX/XXXX and was told by the Store Manager they are unable to assist me and have no responsibility whatsoever. I asked for their assistance in resolving this with Prepaidgiftbalance.com and they refused. However, this is not an isolated incident at this particular store. The clerk working Customer Service at the store said that a customer had come in the previous day with the same issue. Yet XXXX continues to sell these fraudulent cards even though they are aware there are issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am a consumer customer of US Bank XXXX XXXX XXXX XXXX US Bank has the highest interest bank affiliated credit cards. Consumers keep paying the cards interest as the bank sends out advertisements to trap the customers into using the cards to get money back as rewards without disclosing the trap of their high revolving interest rates. As an outstanding customer and a bank account owner I receive various advertisements for cash advance through the credit card line often. Us Bank sends out random checks to consumers enticing them to cash out advance checking loans. The advertisement says no interest for a year till XX/XX/ and they have different dates each time to allure the customers to quickly jump on the offer before it expires which is a scam to trap the consumers. What they dont say is the interest will be outrageous and immediate interest charges that are not disclosed as you start to use the money deposited in your account each time you take the money out there is a charge monthly. The checks dont have sufficient information on them because the push is No interest for a year. The cash advertisement is for {$15000.00} after the money was deposited into my account the representative made me to understand no charge will occur till XXXX XXXX when the interest starts. My loan was for homeI renovations my plan was to use the money accumulate a lump-sum amount of the {$15000.00} and pay it back before the interest accrued. I realised they are taking some charge every month and when I asked the representative they said there is a monthly charge and did not explain why that information was not in the advertisement flyer attached to the check that they are asking consumers to deposit the amount needed for cash advance. Needless to say there is hidden catch not disclosed to the consumers and now they claim I owe {$11000.00} which is more than I owe when I count the monthly payments they have taken from my account already + the amount already paid off the remaining amounXXXX tax free should be less than what they claim I owe. The representative that I have spoken were uninformed and rude to me when I demanded answers. I called several and one had an infant crying in the background and she rushed me off the phone because she needed to attend to the baby. The other one answered while driving she cleared said she cant view the screen. One XXXX told me off the charges but could not respond to why this information is not communicating to the consumers before they commit to this disastrous endeavor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 I received a phone call from the US Bank Visa Fraud Department concerning some recent charges on my credit card ( # XXXX XXXX XXXX XXXX ) that happened while I was in XXXX De XXXX, XXXX. I immediately answered the phone, spoke to an agent, and stated that the two charges made to XXXX XXXX XXXX of {$1600.00} and {$500.00} were fraud. The agent stated that they will reverse the charges and do an investigation. They attempted to call me one more time and did not leave a message. I then received a letter dated XX/XX/2022 that stated that the investigation was complete, and no fraud was found because I still had my card and that there was another authorized user on my credit card. They then reversed the charges back and charged me the approximately {$2100.00}. Since then, I have called to reopen the case multiple times and eventually spoke to an agent about my case after I filed a complaint. I stated that there are no other authorized users on my account, and it is clear that my card was scanned and charged somehow. This agent stated that I need to get a police report from XXXX, video footage and witness statements. My current case # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Open the account with XXXX. Deposited a check for XXXX drawn from the XXXXXXXX XXXX XXXX XXXX in USD funds on XX/XX/2022, the bank told me it would take 4 to 6 weeks for the check to clear. Found out that the XXXX XXXX XXXXXXXX XXXX has issued the funds to my US Bank account 3 weeks ago. The funds are not entered into my account as of yet. Have had two domestic wire transfers into my account totaling XXXX. So there is a total of XXXX that should be in my account. I've tried making some transactions on my account to take care of my business and the US Bank has put restrictions on my account so I'm unable to take care of my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The following unauthorized charges where made on my XXXX XXXX Visa card ( XXXX XXXX XXXX ) XX/XX/XXXXXXXX {$38.00} XX/XX/XXXX {$430.00} XX/XX/XXXX, {$81.00} The credit card company has resolved that Im not responsible for the {$38.00} charge. The other two, were credited back to my account on XX/XX/XXXX, then recharged to my account the same day. They were then credited back on XX/XX/XXXX. They were once again recharged to my account on XX/XX/XXXX. I have no knowledge of how these charges were made. I have proactively communicated with XXXX XXXX Visa XXXX XXXX XXXX XXXX ) regarding this matter including : XX/XX/XXXX I called to report the unauthorized charges XX/XX/XXXX I called to follow up, since I was never contacted back. XX/XX/XXXX Online text chat session on website, for which I have the full transcript XX/XX/XXXX I called and spoke with XXXX, a supervisor Late XXXX Sent a US Mail response to a letter I received about the situation, answering all questions asked XX/XX/XXXX I sent a message via the fidelityrewards.com sites Send a Secure Message feature XX/XX/XXXX I made a post on the XXXX XXXX page explaining the situation XX/XX/XXXX I sent a XXXX XXXX message asking for help via the XXXX page XXXX/XXXX/XXXX I called to again report the newly reinstated charges as unauthorized. XX/XX/XXXX Sent a certified letter to their customer service mailing address. Consistently, the people I reach on the phone, via the number on the back of my card, have told me they are unable to resolve the issue. They are also unable to put me in contact with the investigators, and claim they cant talk to the investigators. They say the only way is for the investigators to call me, which hasnt happened. I have offered to make an appointment for such a call, but have been told that isnt done. I have kept records, including recordings of phone conversations, to document all of this. As of now, the {$430.00} and {$81.00} charges are on my card and will be due on my next statement. I believe that I am not responsible for unauthorized charges and request help in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94401
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have all the correct paperwork to prove what I'm saying.. people at usbank stole XXXX from my XXXX XXXX they stole refunds pretending to be the XXXX just to get information from me.. they refuse to give me any information telling me my account is closed when they can't close my account XXXX is the one that open and closes my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card with Elan Financial Services. My complaint is regarding their payment structure. When you make a payment, the payment is applied to lowest APRs, including promotional APRs, then to higher APRs. This is only disclosed on the initial balance transfer and not even displayed on the credit card statement or as part of their minimum payment warning. So when I made a balance transfer with a promotion of 0 % APR for 18mo, I was not aware that all my payment where not being applied to the Purchase, which resulted in the purchase amount owed to increase significantly and now I owe more than the initial amount charged. They also dont allow you to make payments to the higher APRs, which is a complete rip off and defeats the whole purpose of the balance transfer with 0 % for promotional period. This payment structure is deceiving and is set up to only benefit this institutions by allowing they to rack up interest significantly overtime and theres no way out of it unless you pay the full amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello : In XX/XX/XXXX, My mortgage forbearance program with US Bank ceased, and I was scheduled to resume my interest-only payments of {$3000.00} per month beginning in XX/XX/XXXX ( XXXX year ago from this email ). At the same time I was scheduled to resume my payments, the interest rate decreased ( variable rate adjusting annually ), which decreased my payment from {$3000.00} to {$2300.00}. I was very pleased indeed! The US Bank customer service representative helping me with transitioning off the forbearance program said I needed to make XXXX payment at the old amount before the new lower payment amount would take effect. So, I made this payment, on time, in early XX/XX/XXXX. A month later, I was receiving mortgage statements from US Bank indicating that I was past due with my payments and the nightmare began. Beginning with my statement for my XX/XX/XXXX payment due, US Bank indicated that I was {$5400.00} past due. My statement for my XX/XX/XXXX payment indicated that I was now {$7800.00} past due. Since this statement, all of my statements alleged that I was {$7800.00} past due. This continued until I sold my home and paid off the loan balance. The pay-off amount included with alleged past due amount, and I am seeking to have it refunded with no success. During the 2022 year, I have had several calls, and spent many hours on the phone, with US Bank Customer Service Representatives trying to get this resolved while they harassed me every month with certified letters threatening foreclosure. This was extremely psychological debilitating for me because I was afraid they were going to ruin my XXXX XXXX and take actions to foreclose on my home when I was current with all my payments. I have checking account statements proving I have always been on time with my payments. Each time we had a call to try and resolve the matter, it ended with the US Bank representative telling me that they has a " system change '' in XX/XX/XXXX that resulted in me receiving XXXX XX/XX/XXXX statements as my {$3000.00} payment could not be applied to my account. They just couldn't get it out of " suspense '' They said that a help ticket had been opened with their research department and that I would be receiving a call " soon ''. No one ever called me - ever- during the past year. On XX/XX/XXXX, I sold my house and this US Bank loan was paid-off with the close of escrow. As I said earlier, the pay-off amount included the {$7800.00} that they alleged was past due. I tried to fight it but needed to close escrow. They had me in a really desperate spot as I had to close escrow because I was moving to another home that was essentially simultaneously closing in XXXX, Washington the following morning XX/XX/XXXX. So, today ( XX/XX/XXXX ), I was on the phone, yet again, with a US Bank customer service representative asking them for a complete accounting and refund of amounts they took at pay-off that were not due to them. They are still telling me that the " research department is looking into it '', and they will " get back to me next week ''. I am so tired of their dismissive comment to me. I just can't believe this has been going on for one year now! It is gross negligence as best and criminal at worst. If I were a betting person, I would bet that I would never hear back from them. I wonder if this is a systemic problem that is affecting thousands of customers ' loan accounts? The big commercial banks have recently come under fire, and paid huge penalties, for their shady business practices. I wonder if we have such an issue here that is affecting more people than just me. Their explanation of a " system change '' and the fact that they seem to be hiding behind the " Research Department '' is very concerning and frustrating. Can you please help me get a complete accounting from US Bank that is supported by hard data explaining my account since I came off the forbearance program in XX/XX/XXXX? I have my own complete accounting and analysis, but it is falling on deaf ears. No one at US Bank cares. I know I am due back funds that are material to my financial condition. I appreciate you reading this long message and helping me. All the best, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
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: Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX XXXX XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX state. I went ahead and did so. For numerous months US Bank was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous US Bank agents and paid my principal on the loan in XXXX of 2018, US Bank Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on US Banks incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I took a look at my credit report on XX/XX/2023 and saw that US Bancorp inquired a hard pull from XXXX. I disputed the inquiry with XXXX immediately and within 24 hours I was given notice that the inquiry was valid. I immediately called US Bancorp and was told that I would need to submit a complaint to the Customer Recovery Department by mail. I informed them that I am not a customer, therefore I have no account name or number. I was told to send the complaint but leave the information blank. This is a recipe for a waste of money, time, and resources. So I decided to come straight to the source to get results. I need this off of my report immediately. I have been building my credit for the past 3 years. I have been very intentional and strategic with every move that I make in regards to my credit. Please look into this for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A