Date Received: 2022-10-28
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I was issued a pay card by my HR department through USBank Focus pay card. My card was deactivated on XX/XX/XXXX, for an unknown reason. When I contacted the company on XX/XX/XXXX to inquire why my card was rejected when trying to pay my car payment, they stated that it had been deactivated on the above date. I asked why and they were unable to provide me a reason and stated they would look into the issue and it would be resolved. I attempted again to pay a bill on XX/XX/XXXX and it was again rejected. I contacted the company on XX/XX/XXXX and was told to fax a valid photo ID to verify the card and the issue would be resolved in 1 business day, which I did. Today, XX/XX/XXXX, the card is still unable to be used and when I contacted the company they were unable to tell me if the fax of my ID was ever received and stated it would be about 5 business days after they receive the ID to process the complaint and fix the card. They have had almost 2 full weeks to fix the card and have yet to do so or are unable to provide me with any answers when I call to inquire about the situation. I am completely unable to use the card and my checks are direct deposited onto the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 248XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: An annual recurring benefit of the US Bank XXXX XXXX XXXX XXXX credit card is a {$100.00} software credit. Between today and XX/XX/2021, I performed my due diligence prior to purchasing a monthly XXXX XXXX XXXX XXXX - I called in and asked US Bank customer service to confirm that a monthly XXXX XXXX XXXX subscription would qualify for the annual software credit and multiple US Bank XXXX confirmed and assured me, on a recorded and monitored line, that this recurring purchase would qualify. Therefore, I put my trust into them and proceeded with the purchase. After XXXX consecutive months of purchases, I called in to inquire about the software credit. US Bank again assured me it would post, but that it can take up to XXXX extra billing cycles to reflect so I waited XXXX more cycles and still no credit was received. I called them back today and the first representative claimed this benefit does not even exist. Then I escalated it to a supervisor and they, too, initially claimed it does not exist until I provided a direct link to the advertised benefit. Then they changed their story to say that my purchase does not qualify due to the XXXX XXXX XXXX. However, I have multiple US Bank representatives confirming and reassuring me, over recorded phone calls, that I would, indeed, receive the full {$100.00} software credit. I understand that US Bank does not control the XXXX so if that is the case, they should not have representatives confirming and reassuring something that is not 100 % certain because that would be misleading and deceptive towards customers like myself. This could all have been avoided had customer service conveyed that they were not entirely sure that a monthly XXXX XXXX XXXX subscription would be eligible. If they relayed it to me that way from day one, then I would not have proceeded with this subscription in the first place. Please check the recorded call history as proof of my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have a XXXX balance late account from US BANK I never opened an account with them. XXXX XXXX says its a prepaid card. I need it removed from my credit. This account was never mine. I have disputed it with US BANK several times and they wont remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77026
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
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: I have disputed an account fraudulently opened under my name, US BANK. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I filed the claim and they said just won't get my money back despite calling before depositing the check to see if it was fraud. The filed the claim on the XXXX. I was assured the check wouldn't be deposited if it was fraud just for them to take it back later. I know this isn't super detailed but I have all of the proof and would be more than happy to send it over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80528
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I sent the following email to US Bank, wherein they called me and agreed to forgive one of the fees which is unacceptable but then told me they could not forgive even one because their system would not allow them to which is a common excuse they utilize. Below is the letter I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 U.S. Bank XXXX XXXX XXXX XXXX XXXX MN XXXX US Bank XXXX XXXX Acct XXXX : ************ I am writing to request that you refund all of the overdraft charges applied, during the past month from the date of this letter, to the account I hold with you. I do not believe that these charges reflect the actual cost to US Bank of my unauthorised overdraft and consequently believe them to be unlawful. Therefore, I am requesting that you refund me {$72.00}, an amount which represents the total charges applied to my account during this time. For your reference I have attached full details of these charges. XXXX XXXX I would ask that you deal with my request immediately rather than waiting for me to escalate the case traditionally as I currently am experiencing financial difficulty as a result of loss of employment. I look forward to receiving a response from you within the next 14 days. Yours faithfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65401
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My Mother has XXXX and threw out her credit cards in XXXX XXXX as of the XX/XX/XXXX statement, this USBANK account had a credit balance of {$420.00} on it. I am her son and have power of attorney. I called US bank to close the account and have them send a check for the credit balance. I spoke to them on the phone in XXXX with my mother on the phone and they agreed to send the credit balance and close the account, but by then had assessed {$81.00} in fees for " Non-Payment '' on an account with a positive credit balance, so mailed us a check for only {$340.00}. After this, they did not actually close the account, and continue to assess additional fees. there has been no usage on this account since then. On XX/XX/XXXX I faxed in my power of attorney docs and am attaching fax reciept of the transmission, but they have no record of receiving the POA docs. The current balance on the card is now {$420.00}, with is entirely fees and interest assessed after I notified them that we wanted the account closed and they sent us a check for the credit balance. US Bank wont discuss the account with me and state no record of POA on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: US BANK never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of these fraudulent accounts.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about these fraudulent accounts. I don't have any closed accounts with US BANK. Also they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. US BANK stated it was properly investigated but how is that even possible if US BANK DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with US BANK. I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave US BANK ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THESS ACCOUNT. THESE ARE FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THESE FRAUDULENT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH US BANK. They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I recently challenged the validity of US BANK account thats being reported on my most recent credit report. I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act US BANK has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the. fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 US BANK is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give US BANK written permission to furnish these accounts. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I will qualify this complaint by saying I can not at this time give you exact dates and times. What I'm about to describe has happened too many times too count. It has been especially noticeable this past XXXX years or so. Likely my bank, US Bank, had likely become more aggressive in fee recovery during Covid to take advantage of people who are down and out in order to bolster their own numbers. 1 ) US Bank will show that I have an available balance. Under that pretext I go ahead and use it. But as it turns out there are pending transactions. Those pending transactions overdraft me. They will show in my account a positive available balance. But because of the future pending transaction they show another number in red below the available balance that shows I was actually negative with the pending transactions. This is of course only shown to me after the fact. What I find especially interesting is that future pending deposits are not counted in my favor in the same way withdrawals are. 2 ) US Bank shuffles my transactions to overdraft me. For example, I will do a number of smaller transactions that wouldn't cause an overdraft. Then I'll do a large transaction. So if everything is taken in order, I would only overdraft once on the big transaction. Instead they have the big transaction hit first followed by the little ones. So then I overdraft on every small transaction instead of only once. I can comb through the past XXXX years and no doubt find hundreds of dollars on these types of fees.
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: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information has been compromised and someone is attempting to apply for credit using my information. I have reported this to all three credit bureau 's but a fair resolution has not been provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A