Date Received: 2022-11-22
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Refer to Complaint # XXXX US Bank allegedly responded to my complaint on XXXX/XXXX/22. In the letter, US Bank simply repeated the facts I provided in my original complaint ; the timeline of the letters sent, my calls, and attached a copy of their cardmember agreement that I already had. In the alleged XXXX page letter US Bank addressed not XXXX single issue I raised, such as evident violation of my rights to privacy and federal tax disclosure laws. They direct me to Section XXXX of their own cardmember agreement that has nothing to do with cancellation of accounts. No provision in Section XXXX applies to my account. I am not in Default, US Bank directs me to Default section XXXX. What is this, a sick joke or making a fool out of a consumer? Or just trying to make a mockery of Consumer Financial Protection Bureau? Section XXXX of cardmember agreement states : " XXXX. Collecting Credit Information about You : You authorize us to make any credit, employment and investigative inquiries we feel are appropriate related to giving you credit or collecting amounts owed on your Account. You agree that a consumer credit report may be requested periodically from XXXX or more consumer reporting agencies ( " Credit Bureaus '' ) and used in connection with your application and any update, renewal or extension of credit. We will provide information about you, your Account or your credit history to Credit Bureaus and others who may properly receive that information. '' Section XXXX does not state that I authorize US Bank to pull my XXXX years of federal tax returns and bank statements when I did not apply for new account, I submitted no application for credit, I did not default, I am not subject to fraud or identity theft, I did not commit any crime, I did not provide false information. I DID NOTHING WRONG. Even in those cases US Bank and XXXX ARE NOT allowed to make an illegal request of federally protected confidential tax returns. Am I buying a real estate to be subject to such request? NO. Did I apply for mortgage? NO. So, why am I being directed to Section XXXX of the agreement? I already read the entire agreement trying to find the needle in the haystack. There is no needle. The agreement is very clear. I have not violated any provision of the agreement to be subject to such harassment by a credit card company. XXXX more time, I need VERY specific answers, facts that state the reasons behind requesting federal tax returns of the last XXXX years, and bank account statements among other things. As a consumer protected by FCRA, CCPA, as well as confidential tax disclosure laws, I have the right to know what US Bank is trying to throw under the rag and is not telling me to protect me from alleged fraud or identity theft that I am completely unaware of? I demand transparency, and not XXXX pages of duplicate complaint language. US Bank and XXXX are the same entity. And they are involved in illegal business practice of requesting consumer 's XXXX years of federal tax returns that is protected by 26 U.S. Code section 6103 due to its super confidential nature. Credit card companies are not listed among government agencies that are allowed to gain access to consumer 's tax returns for hundreds of purposes stated in the code section. Here is the Section XXXX language from the cardmember agreement : XXXX. Default : You and your Account will be in Default if : a ) we do not receive the Minimum Payment by the Payment Due Date disclosed on the monthly Account statement ; ( DOES NOT APPLY ) b ) you violate any other provision of this Agreement; ( DOES NOT APPLY ) c ) you die without a surviving joint Cardmember ; ( DOES NOT APPLY ) d ) you become insolvent, assign any property to your creditors, or go into bankruptcy or receivership ; ( DOES NOT APPLY ) e ) you have made false statements on your Account application or in the maintenance of your Account ; ( DOES NOT APPLY ) f ) we have any reason to believe that your Account is in danger of, or is being used for fraud ; ( DOES NOT APPLY, MY CREDITS ARE FROZEN, I RECEIVED NO ALERT OF ANY FRAUD ) g ) you are a married community property state resident and you or we receive a written termination notice of this Agreement from your spouse ; ( DOES NOT APPLY ) h ) your Account becomes inactive ; ( DOES NOT APPLY ) i ) anything happens that we believe in good faith materially increases the risk that you will not live up to your payment and other obligations under this Agreement; or ( DOES NOT APPLY, I HAVE XXXX CREDIT SCORE AND EXCELLENT CREDIT HISTORY ) j ) this is a joint Account and XXXX of you notifies us that he or she wants the Account closed or will no longer be liable on the Account. ( DOES NOT APPLY ) You and your Account will also be in Default if you make transactions which go over your Credit Limit. ( DOES NOT APPLY ) XXXX. Illegal Purchases : You agree that you will not use or permit an Authorized User to use the Card or Account for any unlawful purpose, such as funding any account that is set up to facilitate online gambling. ( DOES NOT APPLY ) NONE OF THE PROVISIONS APPLY TO ME. The response is false, fake, bogus. US Bank is committing yet another violation of unethical business practices by so blatantly lying to the CFPB and the consumer because they can not come up with valid reasons for this illegal request. They are trying to make the consumer look stupid and unintelligent. I am not XXXX of them. US Bank is in violation of their own agreement and my privacy rights requesting disclosure of my individual federal tax returns and bank statements ( and by the way, I have accounts with US Bank, and they have easy access to my bank statements ). 26 U.S. Code 6103 - Confidentiality and disclosure of returns and return information, states in part : ( a ) General rule Returns and return information shall be confidential, and except as authorized by this title ( XXXX ) no officer or employee of the United States, ( XXXX ) no officer or employee of any State, any local law enforcement agency receiving information under subsection ( i ) ( 1 ) ( C ) or ( 7 ) ( A ), any local child support enforcement agency, or any local agency administering a program listed in subsection ( l ) ( 7 ) ( D ) who has or had access to returns or return information under this section or section 6104 ( c ), and ( 3 ) no other person ( or officer or employee thereof ) who has or had access to returns or return information under subsection ( c ), subsection ( e ) ( 1 ) ( D ) ( iii ), paragraph ( 10 ), ( 13 ), ( 14 ), or ( 15 ) of subsection ( k ), paragraph ( 6 ), ( 10 ), ( 12 ), ( 13 ) ( other than subparagraphs ( D ) ( v ) and ( D ) ( vi ) thereof ), ( 16 ), ( 19 ), ( 20 ), or ( 21 ) of subsection ( l ), paragraph ( 2 ) or ( 4 ) ( B ) of subsection ( m ), or subsection ( n ), shall disclose any return or return information obtained by him in any manner in connection with his service as such an officer or an employee or otherwise or under the provisions of this section. For purposes of this subsection, the term officer or employee includes a former officer or employee. '' Here is the Tax Disclosure language : " The law protects your tax return information from disclosure to other parties by the Internal Revenue Service. IRC Section 6103 generally prohibits the release of tax information by an IRS employee. However, there are important exceptions that you should be aware of. IRC 6103 ( d ) provides that return information may be shared with state agencies responsible for tax administration. The state agency must request this information in writing, and the request must be signed by an official designated to request tax information. IRC 6103 ( i ) ( 1 ) provides that, pursuant to court order, return information may be shared with law enforcement agencies for investigation and prosecution of non-tax criminal laws. IRC 6103 ( k ) ( 6 ) allows the IRS to make limited disclosures of return information in the course of official tax administration investigations to third parties if necessary to obtain information that is not otherwise reasonably available. IRC 6103 ( l ) ( 1 ) provides that return information related to taxes imposed under chapters 2, 21, and 24 may be disclosed to the Social Security Administration ( SSA ) as needed to carry out its responsibilities under the Social Security Act. Chapter 2 relates to self-employment income and does not normally concern employers. Chapter 21 concerns Social Security and Medicare ( FICA ) tax, and chapter 24 deals with income tax withholding. The IRS may therefore share information with SSA about Social Security and Medicare tax liability if necessary to establish the taxpayer 's liability. This provision does not allow the IRS to disclose your tax information to SSA for any other reason. SSA employees who receive this information are bound by the same confidentiality rules as IRS employees. Therefore, they generally can not disclose the information to a state Social Security Administrator ( SSSA ), state officials or other federal agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An bank account was opened fraudulently using my identity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with US Bank. I've never applied with US Bank. I called US Bank XXXX XXXX XXXX XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: After I filed a complaint with this agency over USbank not releasing my money in my closed checking account, they retaliated by closing my credit card account immediately. This account was a XXXX XXXX XXXX XXXX with a {$95.00} annual fee that I was charged to receive reward points but they are refusing to let me redeem the rewards points which has cash value and they also refusing to refund the annual fee that I paid for the credit card. Per USBANK manager over the phone, due to the way closed the account he was not able to apply my points to my statement, also not able to refund the annual fee charged for the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: So Im trying to figure out why my account got frozen. On Friday the XXXX I went to go pull out money from my account and a banker blocked my account an hour after I left from the branch asumming that my identification was a counterfeit ID So later that evening I returned back to the bank with two forms of identification and they told me that they couldnt unblock it because my account was getting reviewed even though I showed up to with 2 forms of identification. That confirms all my information tied up to my account What Im not understanding is how they thought it was a fake id all of a sudden when its the same exact id I used when I went to get my temporary card on XXXX at the same exact branch. They even helped me set up my online banking there I cant go in to show my ID now due to me being on bed rest due to me having COVID. What Im not understanding is that why they put a block on my card after I exited the bank and got back home. From my understanding is that they have to follow a certain procedure when you put a block on someones account as well as when I showed up later that day with my id The branch offficer who put a freeze was XXXX at us bank in XXXX XXXX on XXXX XXXX Later that day I had realized that they had pulled a credit report without my consent even tho my account was frozen Im certainly unhappy with this whole situation that is going on so I would like so speak to the branch officer named XXXX that put a hold on my account .I honestly dont want to go to the extreme measures of getting my attorney involved unless needed that being said I would like for you to contact me on Monday once she gets in to the bank if I dont receive a call by the end of the day. I will be speaking to my attorney and will be letting him take over this whole matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I received a collection letter from US Bank XX/XX/XXXX after I fell behind on my State Farm Visa. I wrote to them XX/XX/XXXX stated I believed the amount was incorrect because I had recently made a {$110.00}. payment and stated all communication must be in writing. They received this letter XX/XX/XXXX. I made an additional {$100.00}. payment in XXXX to be a payment ahead since my card was due the XXXX of the month and my income was deposited the XXXX wednesday of the month. I have made a monthly payment of {$100.00}. each month. I heard nothing from XXXX XXXX until XX/XX/XXXX offering a settlement. I wrote a counter offer promising the payment of {$100.00}. I will be making until XXXX of XXXX. Also again stated all communication must be in writing. The only response I got was a letter stated unless I agreed to phone communication I could not be informed of offers. As I neared the final payment I checked on the status of this account from experian and found the account is listed as closed charged off and all payments are late. I contacted experian and upon review they sided with US bank. Wrote US Bank on XX/XX/XXXX which they received XX/XX/XXXX and their response is I had no payment plan in place because they only communicate by phone. So why am I not allowed written communication the only way to hold someone to a deal is to have it in writing. They never stated they weren't accepting my counter offer. Just because they want the right to phone me every day is unfair I have made my payments as I stated and had hoped to be at the end of this ordeal, must I continue to pay them or can they be held to my offer of XX/XX/XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new account with US Bank in Arizona with a cashier 's check for in the {$20000.00} range and automatically was informed that there is a automatic 5-day hold for that which was fine however after the 5 days was passed I went to remove funds from my account and there was another whole place on my account asking for address verification and I submitted a registration on a vehicle for address verification and was informed that as soon as I did so my friends would be released in the hold would be removed and that's not the case they inform me incorrectly or change their mind because now they are saying that the funds or the registration needs to be reviewed and then the funds will be released I've been without my money for now 7 days with this Bank when I deposited a cashier 's check just as good as cash I could have cashed it at a check cashing place and had my money and not been in a predicament or situation where I'm without my money I need help or someone to review my situation and press that my review takes place in my money is released so I can use it as needed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and US Bank unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
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: 2022-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was automatically declined for a US Bank checking account without explanation. This means I will miss out on their {$500.00} bonus sign-up that expires in 2 days. I have already had trouble and faced rejections for being a XXXX woman from other banks as systems think my legal name change is fraudulent. I would like clarity and verification for the reason why I was rejected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A