Date Received: 2024-01-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment of {$690.00} on XX/XX/2024 but the payment was reversed and they charged me {$35.00}. I tried to call, but their phone system doesn't work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hi, On XX/XX/XXXX, I noticed two unknown transactions on my US Bank online banking service. One was for a XXXX at a XXXX XXXX XXXX in California and the other transaction was a counter withdrawal for {$200.00} at a XXXX CA US Bank. These were definitely not me because I live in Wisconsin. Immediately, I called US Bank Fraud and ended up freezing the accounts related. A few hours later I went back on my online banking and noticed an internal transfer of {$15000.00} from my wife and I 's mutual savings account to my personal checking account and also noticed a {$5000.00} counter withdrawal from a different XXXX CA US Bank. Again, I immediately called US Bank fraud and informed them it was not me or my wife who did the transaction. We then froze all of our accounts through US Bank and I requested fraud affidavits be sent to start the process. On XX/XX/XXXX my wife and I went into our local US Bank Branch to open new mutual/joint accounts. Additionally, I suspended my online banking access because everything was happening through my online accounts/logins. My wife and I had our banker put a in-person teller password in place to add an extra security measure so no one could come in a take money out of any of of our accounts at any US Banks . By this time I was flagged as an Identity theft victim which was also flagged on my accounts. On XX/XX/XXXX I closed my old business account and reopened a new one with no connection of access to online banking, only in-person banking was allowed for me now. By this time my wife had transferred all of our mutual saving and checking into her personal/separate account. On XX/XX/XXXX I received a verification text message from US Bank which I did not authorize. I called fraud again, and was told there were three attempts made to login to our new accounts through my login information. They were not made by me because they were made at times I was sleeping. It happed at Pacific standard time. As a result, we shut down or new accounts for the second time on XX/XX/XXXXXXXX XXXX XXXX In the meantime, I was doing tons of damage control on all of the hard and soft inquiries from my credit reports due to being a victim of identity theft. Within all of this I had filed a police report with my local police department, called the IRS, called Social Security, and opened a case with FTC.gov and frequently called US Bank fraud to get updates on the situation. Finally, the last instance of fraudulent activity took place on XX/XX/XXXX. I went in to my local US Bank branch to pay my business credit card, because at this point I am disconnected completely from any online banking and I asked for a balance on my business account. To my dismay, I was told there was only {$1500.00} and that {$8500.00} was taken out on XX/XX/XXXXXXXX The teller at my branch pulled/printed up the withdrawal slip, cash out ticket and customer authorization ticket and found out it was from another separate XXXX CA US bank branch. So another counter withdrawal in less than a month from when the first two happened. This XXXX happened becuase the teller did not ask the thief/criminal the password that I had put in place to prevent this from happening again, which it obviously did. The negligence and breach of fiduciary duty on the part the teller at that XXXX CA Branch is beyond wrong and unacceptable because I was already flagged in the US Bank system as an Identity Theft victim. Additionally, I called the branch manager at the bank where this took place and he said the fake ID that was presented did not have the same last 4 digits of my current WI drivers license. This should have never happened, especially since I had an in-person password enacted. This was the third time at a third XXXX CA Branch that this happened. The {$8500.00} that was allowed to be stolen from me was a deposit from a client of mine that I no longer can utilize to perform my services for that client. I need this money back sooner than the the rest that was lost, like today I need it. This should have never happened this last time. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53188
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone stole credit card out of mailbox and activated it and used it and they are trying to make me pay for it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I XXXX XXXX am writing in regards to inquiries on my credit report that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I contacted US Bank XXXX XXXX in XX/XX/2023 regarding the end of my lease that was occurring in XX/XX/2023 and I was offered to terminate it early. If I did so the excess mileage, wear and tear fees would be waived and I would get a refund of the last two payments paid. I agreed to do this, the car was picked up the following up day but the company who picked up the car did not provide any paperwork to confirm that I no longer had possession of the vehicle or anything regarding the condition of the vehicle which was the first thing odd about this return process. I called US Bank to confirm they had the vehicle and they advised yes. I also asked for a lease end statement and was told they don't do this. I pushed back against this as this is not standard practice and eventually they agreed to send me a letter stating the lease was closed and no payments were owed. I received this letter and I called in XXXX regarding the status of the refund for the last two payments paid. I was told in XXXX it would be 60 days but when I spoke to an agent in XXXX after checking she said that it likely be 60 days from when the vehicle was auctioned which occurred at the end of XX/XX/2023. Then this week I received an invoice for the excessive mileage and when I called the rep I spoke with advised that my account had numerous offers but she didn't see the excessive mileage waiver added. The whole reason why I agreed to terminate the lease early was because of this being offered or I would have sold it on my own which would have avoided any fees being assessed. This bait and switch tactic leads me to believe this more of deeper problem with US Bank XXXX as they don't seem to do things that are standard. Also try to really discourage their customers from exercising their right to purchase the vehicle at the end of a lease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My state of Utah gov't unemployment benefits were direct deposited to the US Bank RELIA CARD . ( which is the card/acct they offer by default ). I called them and asked to have a card sent to me because I never got a card from them when I was initially signed up to that card service by the state of Utah. They over-nighted the card to me for {$15.00} and deducted the money from my balance which was just under {$2600.00}. ( {$310.00} per week for 8 weeks of back pay Utah owed me while they verified my identity ). I got my card in the mail UPS two days later and went to activate the new card and I kept getting denied on the activation process, so I called the number on the back of the card, and I was told my account has been closed for some period of time. And they refused to give me any other information at all other than I need to contact the F.U.I.. ( AND THEN THEY HUNG UP THE PHONE ) and everytime I go to call them they just hang up on me immediately once I identify myself to them. So now I don't know who the F.U.I. company is or anything that I need to do to move forward on this to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84404
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Pre paid gift card was bought in XX/XX/XXXX in XXXX and given to me the next day for my birthday form a friend, the amount is {$50.00}. I forgot about it and went to use it the other day XX/XX/XXXX and it was declined. I called the number on the back and they want me to send in a picture of the card which I did and a photo Id which I did not and dont feel comfortable doing that to a random website. After looking it up looks like a lot of people have the same complaint the company is prepaidgiftbalance XXXX. I called and spoke to 2 separate supervisors who told me 2 different things. Even more suspicious. It is a visa gift card supposedly through US bank. They are stealing from people and this is fraud. Most people wont send info in and in turn the company is pocketing the money because the funds are being used. Insane to me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80109
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am filing another complaint from the initial complaint, XXXXbecause their reply and information provided were completely incorrect. Briefly explain ; US Bank stated that I only spent {$31000.00}. However, i added up all the statements from XXXX XXXX to XXXX XXXX, ( XXXX calendar year we are in subject to ) I actually spent {$36.00}, XXXX. If I spent more than $ XXXX, I am eligible to receive XXXX bonus miles. They also forget to mention that I would receive XXXX bonus miles if i spent {$15.00}. It is very frustrating that I have to waste my valuable time to look up all the statements and add up all the purchases. I have attached the total ( wrote the amount I spent each month shown on the statements ) so US Bank easily understand. And to make sure do pay attention when they reply next time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94580
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A