Date Received: 2024-01-20
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: HELOC ending in XXXX U.S. bank stole my money! Without much explanation, they just decided to charge my account {$580.00}, and dont want to refund me. I have spent hours and hours of my time trying to resolve U.S. bank problems and no one even paid me for that time either.. US Bank perceived my homeowners insurance auto-renewal and as a insurance gap and decided to purchase insurance for me for that period of time. On XX/XX/XXXXXXXX XXXX XXXX XXXX my homeowners insurance policy was set to auto-renew, my credit card was on auto-pay, but the card expired and it failed to charge on XX/XX/XXXXXXXX XXXX XXXX got ahold of me and we fixed the issue I gave them a good credit card and my policy was RE-INSTATED by XXXX with coverage from XX/XX/XXXX to XX/XX/XXXX, which is the original coverage period so there was NO gap! Well US Bank still somehow perceived and claimed an insurance gap from XX/XX/XXXX XX/XX/XXXX due to that erroneous cancelation on XX/XX/XXXX, but that policy got RE-INSTATED so there was NO GAP! Every time I called US Bank it was a new agent that had no idea about the progress or what was already done on issue. They mailed letters were off topic and not reflecting our prior conversations. I have done everything they have asked for : uploaded both polices in XXXX and around XX/XX/XXXX that showed NO gap to website provided in their letters. They have received that evidence and proof, however, completely failed to respond. From XXXX I have learned that U.S Bank reached out to them and that XXXX confirmed that cancelation was erroneous and there was NO gap, they also provided U.S. Bank proof in email that they wanted. Still, without any feedback, bank charged my account. U.S. Bank does not care about evidence policy documents provided nor XXXX validation. This is a scam. There was no gap. U.S. Bank got all the proof they have asked for. I need {$600.00} refunded ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99208
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XXXX I learned that US Bank had a lien on my vehicle. This was a shock to me as I did not borrow any money from US Bank to purchase the vehicle. I never had a loan of any sort from US Bank. So the lien was an obvious error to me. I went to a US Bank branch office in XXXX XXXX, Wisconsin to get the matter resolved. The branch told me they could not assist me that I had to call an XXXX number. So I called the XXXX number to request the lien be waived. The US Bank representative told me I had to show proof of lien to them via fax before they could take any action. So I went to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to obtain proof of lien. I then brought proof of lien back to the US Bank XXXX XXXX XXXX and requested they fax the proof of lien. I also asked the branch manager to make a call on my behalf as I was caught in an administrative snafu and needed the lien released so I could sell my car. The manager told me there was nothing he could do to expedite the matter. So I called US Bank again to inquire about the fax and was told to email the documents to them. So I emailed the documents to US Bank. I called again. Spoke to someone who could not help me and tried to brush me off but I asked to speak to a manager. Eventually I spoke to a manager and she said she would look into it. After much back and forth the manager said she would call me back around XXXX XXXX XXXXXXXX on XXXX I am still waiting for the call back. Of course I called back. I called again on XX/XX/. No movement. I am still waiting. All I want is the lien released. There is no loan. How can a lien be on a vehicle when there is no loan?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I noticed that yet another unauthorized payment had been charged to my account. I called to have the payment canceled the representative was rude and misgendered me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73119
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Inquiries appeared on my credit report that were not authorized by me. I did not consent for my information to be used for a credit check and have no knowledge of them. I request these hard inquiries be removed and reported back to the credit Bureaus to be removed from my name immediately. XXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX ( Bank )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX XXXX US Bank has made an " Individual Inquiry '' into my personal XXXX credit file after I have used " Check your rate '' tool on their personal loan page XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, when I have realized that instead of " soft inquiry '' US Bank did " Hard inquiry '' I have reached out to the Personal Loan department over the phone around XXXX XXXX. Associate I have spoke with failed to provide me the reason for the inquiry and instead suggested that I should " just dispute the inquiry with the credit bureaus ''. After verifying that there are no existing applications within their system she transferred me to their " Consumer Credit Dispute '' department from where I have been transferred once more with no luck to resolve my issue. Meanwhile, my credit score as per XXXX XXXX and XXXX XXXX XXXX tools has decreased by XXXX due to this inquiry. XXXX XXXX search shows that there are many people in the same position and complete failure on behalf of the US Bank to : A ) fix the issue in their system to stop this from happening ; B ) take necessary steps to address existing concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54952
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Any over draft fees applied to my checking account in the month of XXXX. Its seems to me as though this bank places pending transactions at a vulnerable time to process causing my account to fall negative. In turn charging me a {$36.00} fee every time. The alerts that are sent to me are made at XXXX in the morning. And I feel this is highly unethical to me be charged this many times..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, I am here because I have no where else to turn and would like your help. I possessed a Union Bank credit card that I rarely used. Unbeknownst to me, when Union Bank was acquired by U.S. Bank, I did not receive any notification about the transition. Upon attempting to access Union Bank 's website to pay and check my balance, I discovered it was no longer functioning. Realizing the account had converted, I reached out to U.S. Bank to settle my account. To my surprise, they informed me that I couldn't pay online or over the phone until I received the new credit card. Expressing concern about potential negative impacts on my credit, the customer service assured me that everything would be fine and advised me to call back once I received the new card. When the new card arrived, I promptly paid the outstanding balance of approximately {$50.00}. I learned about late fees on the account, but the bank agreed to revert them due to issues converting new customers. Despite their reassurance, I discovered in XXXX that a late payment had been reported on my credit, resulting in an XXXXXXXX drop. I sought assistance from card member services, visited a branch for guidance on dispute resolution, and handwrote two letters on resume paper to U.S. Bank expressing my concerns. Unfortunately, I received generic responses requesting more information. Subsequent attempts to resolve the matter through XXXX and XXXX disputes proved unsuccessful as they confirmed the accuracy of the reported information. Here is a copy of the letter : " To Whom It May Concern, This correspondence is in reference to the conversion process of Union Bank members to US Bank members. I was instructed to rewrite this letter as the first was sent to the wrong department. US Bank associates have informed me that, with the notes in my file, this letter will find the correct avenues. Please read the following description of events and forward to the appropriate department. My name is XXXX, and I want to first thank you for taking the time to read this letter. I recently pulled my XXXX and XXXX credit report and discovered I have a late payment that was reported on XXXX XXXX for my credit card account ( XXXX ). Originally I was a Union Bank customer and had a credit card account with them. When US Bank acquired Union bank I was not notified of any change that was occurring. Upon realizing the change occurred, I contacted US Bank to try and pay off the balance of my credit card and was informed that I would not be able to do so without a new US Bank credit card, nor would I be able to log into my new account on US Banks website. Once I received my new card from US bank, I promptly called to settle my account. At the time they told me there were late payment fees on the account, but because of the mistakes they were having with new Union Bank customers they would happily remove the late fees. I paid off the existing balance of my card ( < {$100.00} ) and expressed my concern about having a late payment reported to the credit bureaus, the associate assured me that there would be no negative report concerning my credit and if any negative report did occur I could call US Bank back and have it reversed. Upon realizing there was a late payment associated with my US Bank account I called to have it reversed, the associate and their supervisor advised me they did not have the power to do so, but agreed that there should not have been a negative report in the first place. I was told to write a letter and reference that everything was paid as of XX/XX/XXXX. Up until US Banks acquisition of Union Bank I had an on-time payment history. I've resumed keeping my account in good order since the initial mishaps with onboarding new customers. Additionally, I have a perfect payment history with all my creditors and this has negatively affected my credit score. Based on my otherwise spotless payment history, and the circumstances that befell us during the transferring of accounts, I would like to request that you apply an adjustment to remove the late payment mark from my credit report. Granting this request will repair the damage caused by the complications of the US Bank/Union Bank merger and help me improve my overall credit history and correctly demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration and time, Mr.XX/XX/XXXX '' While acknowledging my late payment, I firmly believe it could have been avoided with proper communication, such as a bank statement or welcome email from U.S. Bank, or the ability to pay my bill over the phone post-merger. Considering the impact on my credit score, I decided to reach out to the CFPB. I have always been a responsible borrower, and I find it disheartening to have this blemish on my credit. Any assistance you can provide would be greatly appreciated. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. * Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. * Request for XXXX XXXX and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. * Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US Bank home mortgage. Location XXXX XXXX XXXX XXXX XXXX XXXX requested on XXXX And inaccurate not true unauthorized please remove
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My online account was compromised by someone illegally obtaining my online username and password and between the dates of XX/XX/23 - XX/XX/23, an unknown individual accessed my online account illegally and sent multiple amounts of money from my checking and savings accounts to their XXXX account in multiple denominations totally {$5600.00}. The bank initially gave me a provisional credit and then sent the charge backs to XXXX who denied them for unknown reasons and now US Bank is trying to charge it all back to my account with no justified reason, thus throwing my account into the negative by XXXX XXXX XXXX. I did not authorize any of the transactions, nor did I give my username and password to anyone. All of the XXXX transactions were sent to a XXXX account with only the first name XXXX showing. I have not authorized any transactions to this unknown person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A