Date Received: 2022-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, the consumer and natural person, was denied credit by your financial institution when I applied for a credit limit extension. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC.169l ( c ) and is pursuant to civil liability under 15 USC. 1692k. I have proof that I was discriminated against by your financial institution due to the response I received. Your financial institution is in violation of 15 US. Code 1642, US. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your financial institution. The actions taken by your institution is impairing the efficiency of the banking system because you are not vested in insuring the accuracy of credit consumer reports. Causing me to lose confidence in the banking system. I am a federally protected consumer and under USC 1692 ( n ) therefore none of your policies or state laws supersede Federal laws. Under USC 1681 ( e ) your company has a duty to assure the maximum possible accuracy. I have found your financial institution has been assuming a vital role in furnishing deceptive forms which is a violation under USC 1692 ( j ). Which have caused years of damage to my and my familys well being. Since You have never provided me with validation of debt or damages ; which is a violation under USC1692g. Your institution knowingly reported personal credit information that was false ; which is another violation under USC 1692 ( e ) 10. I didnt receive any separate disclosure statements of my rights written clearly and conspicuously ; which violates USC 1637 ( b ). Misrepresenting your financial institution as a debt collector since I the original creditor never provided you with written or oral permission to do so violating my rights protected by USC 1681 ( B ) ( 2 ) Your institutions neglectful, abusive, unfair, false and misleading debt collection practices are in violation of USC 1692 ( a ). You must respect my right to privacy under USC 1681 ( a ) ( 4 ) which you have willingly been non compliant to violating my right to privacy as a federally protected consumer. You have used profane language towards myself, the consumer in your statements causing emotional stress and unwarranted pressure. You are subject to criminal liability for violating USC 1692 ( k ). I have also suffered greatly due to your misleading practices and have thought less of who I am because of it and have acted accordingly. I have yet to be able to move out of my parents home for 17 years, I havent even been able to secure any vehicles, modes for transportation besides a bicycle due to the inaccurate reporting your Institution has willfully furnished and shared to other credit bureaus, damaging my consumer report is also in violation of my consumer rights and have caused defamation of my character, my familys character and that of my followers clear violations under USC1692 ( k ). The actions taken by your financial institution involve racketeering through the means of extortion with your harassing and pressuring myself, the consumer, to pay alleged debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have spent many hours trying to solve this problem and no XXXX at US Bank would help me re : an XXXX Acct. back in XXXX in our name : XXXX XXXX XXXX and XXXX XXXX XXXX. We have been customers of US bank for XXXX years in XXXX XXXX and we have never experienced this kind of poor customer service. XXXX Bank agents at US Bank tried to help us but then gave up. We have been given several different departments to help us but no XXXX can figure out how to do an XXXX # XXXX corrective form to a lien that US Bank did not file properly. The XXXX representative XXXX has also spent many hrs. trying to help me get this problem solved. We having been working on it for the over XXXX weeks and he has faxed the request XXXX times for a XXXX # XXXX form to be filled out by US Bank to let him know that this equity line was paid off and satisfied so he can release our escrow money of {$150000.00} that was taken out of the proceeds on the sale of our home on XXXX XXXX, XXXX. We need help to get USBank to fill out & file the proper form so that we can get the money back from an escrow fund that the title co. has been holding for over XXXX weeks. XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55347
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or around XX/XX/2022, I applied, over the phone, for a business credit card through XXXXXXXX XXXX. The customer service person, " XXXX '', asked a series of questions after which, based on my responses, she advised she did not foresee any reasons for denial. XXXX advised she would called me in 1-2 days to advise of the status. After about XXXX XXXX weeks had passed, I called to follow up, as I had not heard back from XXXX. I spoke with another bank representative who advised that my application was denied ; however, could not give a reason, and advised me to wait for the denial letter. When I received the letter, I called XXXX and spoke with XXXX regarding my concerns that I was denied for reasons that did not apply to me. XXXX then advised that the reason for denial was probably due to my credit score not meeting their minimum XXXX requirement, and that my score was reported to be XXXX on XX/XX/2022. I pointed out that my credit is monitored by my bank and at no time during the past several months was my score below XXXX ; however, XXXX insisted this was probably the reason. I know that some lending institutions have discriminatory practices, and I just want to be sure that I was not a victim of same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with US Bank then discovered you have XXXX physical locations in XXXX XXXX, SC. I opened the account with {$250.00} in XXXX, on XX/XX/22 I closed the account and was told the only way to get my money back was via XXXX Mail XXXX XXXX Mail. Here we are XX/XX/22 and I still DO NOT have my money. I have made many calls and was finally told a replacement check would be sent out. Today, XXXX XXXX I was called by someone who told me they are sending XXXX XXXX MAIL XXXX MAIL a form that I need to sign and have notarized before my money will be returned. At this point " Check is in the mail '' is another code for stolen and fraud on behalf of US Bank. I am going to copy and paste this complaint and plaster it all over social media. I want my money back. You are a bank and should be able to do a refund to the card that I used. This is theft, clear and simple. Why is it that US Bank uses the MAIL service??????? Are you a bank from the XXXX 's. I am going to send this complaint to anyone and everyone and warn them NOT to bank with you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of XXXX, my brother was moving to the XXXX XXXX for work and opened a checking account at US Bank located at XXXX XXXX XXXXXXXX XXXX XXXX MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the XXXX XXXX in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When US Bank reported this to the credit bureau ( XXXX ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( XXXX ), I went to the US Bank branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have US Bank state I was responsible. I have spoken with US Bank several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( XXXX ) but can not discuss the issue with me. If US Bank is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2022 was open business account at US Bank. Banker at branch add promotion code to my account. Spoke more then 10 times with bankers, they said all requirements are met, but they have to send my claim to customer care service and after that is silent. Call again and all repeat many times. Visited my local branch and worker who is open dont understand why they not credit XXXX to my account, also spoke with manager of this branch. Have code, names, everything. Thank you for help. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98662
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: We were gifted a XXXX gift card in the amount of {$500.00}. It was purchased from our neighborhood grocery store, XXXX, in XXXX, AZ. We found that a fraudulent charge had been made before we could use it on XX/XX/XXXX in the exact amount of {$500.00}. The card never left our possession and did not appear to be tampered with. We called the number on the back of the card that evening. We were given a list of documents to fax including the front and back of card, the original purchase receipt ( luckily the gifter still had this ), and my drivers license. I have called numerous times and been asked to resend these documents repeatedly. I have faxed and mailed hard copies a total of 4 times with no progress. It is very hard to communicate with the customer service reps and they will not transfer me to any other departments. They only repeat the same list of documents again and tell me to resend. I am losing hope that we will see this money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85203
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Monthly Interest applied on unpaid balance without users knowledge! XXXX XXXX withheld information to members stating, " to not use their credit card during XXXX of the month to the XXXX of next month ''. Since they can not assure their XXXX days in pending will be observed! See attached! This could cause the user of the VISA card thinking such, but the said purchases are included in the current month and compound interest is unnecessarily applied! I have an email from their customer support saying they have no control over the 5 days pending! In addition, their robotic remote teller by phone says I have a {$600.00} credit! But this is not shown in my account! And they have no knowledge of it! So, I do not know how to access it! The following is subject recording from XXXX card services XXXX : Most banks use a five-day pending with it being mutually exclusive to statements closing date with posted purchases! This would have prevented XXXX 's unfair practice in this matter! And would not require a disclaimer " to not use card between XXXX through the XXXX of the new month! '' And payment date being XXXX weeks after statement date to give customers time to respond! Keep in mind lots of folks on fixed income. With income coming on a certain date. So, their budgets are time sensitive! I request an audit of XXXX XXXX practices not being able to control XXXX day pending when statement closes, Specifically dates XXXX of month to XXXX of next month. The XXXX of the month is when they post the statement but confuses the XXXX as the date to make a payment! So if purchases are made during this period they do not get a XXXX day pending! And the user/customer/member have not been told of this method! Plus their method do not show credits and how to access those credits. I called their XXXX number and their remote teller says I have a {$600.00} credit but there's annotations how to access those credits! that number is XXXX I'm asking for an audit and fair adjustment to me, and a review for class action for how long practice been in place and how many customers were affected! XXXX XXXX XXXX XXXX XXXX XXXX Supporting Attachment showing days in pending are un-controlled! And customers/users are not informed! Date : XX/XX/2022 Message # : XXXX From : XXXX XXXX Subject : Questions : Doesn't purchases stay in pending for 5 days as a policy? Message : Dear XXXX XXXX XXXX : Thank you for contacting XXXX XXXX via our website about your Visa account ending in XXXX. When a merchant initially charges your account, the amount will remain as a pending authorization for up to XXXX business days before posting to your account. Pending authorizations are charges that have been approved but have not posted to your account. The amount is deducted from the available credit but is not yet part of the balance. This ensures that the funds will be there for the merchant when they forward the charge request for posting to your account. We do not control when a transaction posts to the account. If the transaction posts by the time the statement generates, then that transaction would need to be paid in full by the due date on the statement to avoid interest charges. If you have further questions or concerns about your account, please contact us again. Sincerely, XXXX XXXX. XXXX XXXX XXXX Additional information for audit request! Additional information :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: US Bank is currently running a scam to increase new credit cards acquisitions without having to pay out the advertised points. Here is some background about my personal credit worthiness. This is relevant to the scam. My credit score : close to 800 My annual salary : $ XXXX My credit utilization : 6 % Number of missed payments : 0 years of credit history : 9 Annual rent/mortgage payment : 0 US Bank currently has a promotion where if you spend $ XXXX you will get {$500.00} in points ( lined bellow ). This sounds good to the new US Bank customer so they go ahead and apply for the card. Here is the catch. US Bank will only give you a {$500.00} credit limit. This means that you need to spend EXACTLY {$500.00} a month every month for 4 months in order to actually claim the bonus. The problem with this is, there is no item you can buy that has an even number without any change. So lets say you end the first month at {$490.00} what would you charge to your card for exactly {$2.00} with no change. Even if you go to XXXX and get a XXXX it will be {$2.00} which would go over your credit limit which would decline your card. US Bank knows this and are profiting off of unsuspecting customers. How do they give someone who makes a XXXX XXXX a year with perfect credit history a {$500.00} credit limit. They are clearly trying to take advantage of their customers. Even if they had given me a {$500.00} credit limit then that would be enough to at least go a couple dollars over the {$500.00} a month to be able to claim the bonus points. But no, they made it exactly {$500.00} to ensure the majority of people are not able to actually spend enough to claim the bonus. Again, I have PERFECT credit history with a score close to 800. I have 6 % utilization and a $ XXXX salary. My first credit card ever was when I was XXXX. I worked a minimum wage job and had no credit history. I got a credit card through XXXX that had a higher credit limit than this US Bank card. They are clearly scamming their customers. This is fraudulent behavior. I called the company and voiced my complaint multiple times and they told me they cant do anything for me. They said I would have to wait 6 months for a credit line increase ( conveniently after the promotional period ends ). I will never bank with US bank ever again. Link to fraudulent promotion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60025
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: i purchased the basic home doorbell video security system from XXXX security XX/XX/XXXX i used my usbank reliacard which had my unemployment benefits. i received a call from XXXX saying i could save on a upgrade.i asked if there is sound and video. and not snips of pictures put together and she said yes. a free,XXXX security kit with professional monitoring x 1 with XXXX complete. {$110.00} cost i saved {$47.00} i paid {$76.00} order # XXXX it was no video or sound, i canceled with a email thinking it was cancelled and a year later XXXX charged me {$100.00XXXX XXXX said they would refund me {$100.00} but never did. i called prepiad dispute resolution XXXX XXXX XXXX XXXXXXXX fl XXXX the dispute department. claim # XXXX card id # XXXX.i told them what happened and they found no error. they mailed me two letters dated XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A