Date Received: 2022-09-13
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 made a complaint about a credit card and us bank responded about the wrong credit card. Not only that. They send police to my home and almost to my work and I could have been fired. Because they dont communicate or pay attention. My card ending in XXXX is the issue. The response to my initial complaint is trash. And it shows incompetence on US bank because they cant even get the right credit card account that im complaining about. Us bank sent officers to places I live over a conversation I had about my hardship with my XXXX credit card. This company is causing more mental distress because they dont listen. Im taking this to court. Ive had it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I selected that I do not want overdraft coverage through the US Bank app. This led me to believe that if I had insufficient funds then the charge would be declined and I would avoid an overdraft fee. However, unbeknownst to me, that does not include recurring charges. The app did not mention that some recurring charges could still process. Hence the reason I had 2 charges come through which I received fees for. I have called US Bank multiple times to rectify this issue and they refuse to waive the fees. I believe this to be a UDAAP violation since they were deceptive in never telling me about recurring charges potentially coming through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68106
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I initiated a balance transfer from my US Bank visa credit card to my XXXX XXXX credit card in XX/XX/2022. XXXX XXXX sent a check for {$3800.00} on XX/XX/2022. US Bank sent info to XXXX XXXX saying they received it and it was processed on XX/XX/2022. However, the account number was apparently wrong on the check. They claimed they figured out the account didn't exist, so they never processed the check, and it was sent back to XXXX XXXX on XX/XX/2022. It was sent back to the co-op address listed on the check, so it wasn't an actual XXXX XXXX branch or facility. I have been dealing with this since the beginning of XXXX, and I have been going in circles with both banks. Initially, US Bank said they never even received the check, but now theyre telling me they sent it back XX/XX/2022. I have had double the minimum payments, more money spent in interest charges than money on the card for US Bank, my credit usage on my credit report doubled overnight and has stayed there for 3 months even though it's false, all while giving XXXX to my son and he and I being in the hospital on and off for over a month due to complications. I'm beyond frustrated and at a total loss of what to do. Both banks have representatives who seem to want to help, but no one is ever able to get any answers or gets contradicting information. I have called US Bank and gone into branches over a dozen times the last few months and I've halled XXXX XXXX a handful of times. All because I filled out a balance transfer request online and it combined the date it was being transferred with my credit card number. It was a long list of numbers, and half of them were zeros. Only last XXXX numbers of the credit card were correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was approved for a loan above what I could afford or even the actual value of my home, by neighborhood loans, which was sold to us bank. At the time I was working part time making XXXX an hour. I got approved for a loan for {$88000.00}. I have been trying to sell the home for months in order to break even but no one is willing to purchase. At the time the under writer mentioned that the appraiser didnt even compare homes in the area but went outside my district. Also I was told by the broker that I didnt need to get someone ' to inspect the home because it was a condo. I feel like it was extremely predatory of them to try to just close the deal without my best interest, especially as a first time buyer.
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: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I opened a credit card through my local bank in XXXX XXXX Webster Bank and they had ELAN Bank a XXXX XXXX US BANk issue me a credit card labeled a Webster Bank, I had used it occasionally for about 2 years and then somehow it was misplaced or lost and I I made a call to ELAN and then wrote a letter to them about 6 month later stating I thought i may have lost my card and to cancel the card. ELAN must of misplaced or never processed my written request back in XXXX and the card went from {$600.00} estimated to a much higher balance near {$1900.00} or more without me realizing it until calls were coming in telling me i was overdue on payment I had been making all aking for the amounts i thought I owed online. The online epay does not provide a balance or show me any statement information so I was in the dark for three years and eventually they sent me to XXXX XXXX XXXX agency to collect {$2000.00} they said I owed when it should have only been {$600.00} and closed out way back when I sent in a written concern that the card may have been lost back then. I wasn't sure if I had even owed anymore money and was skeptical about the debt collection agency being legitimate or not, I tried several times to speak with ELAN reps and the credit card loss area and they refused to speak to me because i was a debt collection matter and sent me each time to XXXX XXXX which I refused to speak to not knowing who they are and why they were calling on an ELAN Bank credit card matteXXXX XXXX XXXX XXXX XXXX XXXX XXXX mostb anks have their own colllection departments until they write off the amount owed XXXX XXXX XXXX XXXX I never dispusted that I had owed {$500.00} or a bit more at one point but i had paid over {$3000.00} or more in payments over a 3 years period then cut back when I was XXXX and tried to negotiate a settlement twice with Elan for the {$500.00} but they kept on insisting its {$1900.00} or {$2000.00} total. Once ELan validated XXXX XXXX was real last year I set up a {$22.00} payment per month for a year but then i was XXXX XXXX and could not make anymore payments being XXXX and XXXX XXXX I tried to get a waiver of the reminder of the payments since the bank wrote off the account in XXXX or XXXX and sold it for pennied to the collection agency with the wrong debt information that they never resolved based on my letter stating those were not my charges other than about {$500.00} which I had paid of 5 times over in payments -- -- -- -- I never authorized ELAN to share my personal inforamtion with a third party and I tried to resolve the dispute with no help on their side in resolution of the issues -- -- -- -- I also tried to resolve the issues with XXXX XXXX several times and eventually had to stop talking to them they would not listen or help. They made illegal calls to my wifes work place looking for me and to my fathers house where I do not reside and I think a call attempt was made to my neighbor but she asked not to get involved or be mentioned so I can not prove that. Recently withink the last 30 days I received a notice of lawsuit from Connecticut Superior court that I am being sued in small claims by XXXX XXXX through an XXXX XXXX XXXX Debt Collecting lawyer who has been fined several times by already for illegal debt collection practices -- -- -- -- - the lawfirm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are suing me on misinformation and monies i do not owe of {$1800.00}. -- -they were hired by XXXXXXXX XXXX XXXX in XXXX Virgina XXXX I have spoken to other law firms in the area and this is the big millions of dollar money makers that XXXXXXXX XXXX XXXX XXXX and the XXXX XXXX and a couple other law firms in Connecticut have set up together to intimidate and scare consumers who are down on their luck or have become XXXX or are XXXX which I am both to cave in and give them any money they claim even when it was not resolved property by the bank that initially was involed for following up on complaints and suspicous activity in the first place. I attempted in good faith one last time today to call the Bank Credit Card loss services who refused to speak to me and transfered me over to XXXX in ELAN Collection services who again refused to speak to me her number is XXXX she transfered me to XXXX XXXX after I told XXXX to let me talk to her legal department without any luck to ask why they never called when I sent the letter in back in XXXX or investigated my complaints and claims of charges that i was not sure got on there for such a larger amount then what I had owed, then i was transferred to XXXX XXXX who refused to listen or answer me for the illegal calls they made to my wifes work and my fathers house trying to hunt me down. XXXX tried to transfer me to XXXX XXXX XXXX attorney XXXX and I hung up and called myself and spoke to XXXX XXXX to try and explain the misunderstanding and the banks error and she could not help me other than telling me they can send me an affidavit letter to have me sign about the issues and claims I am making but i would need to provide a police report as procedure to negotiate any debt or remove any from what she was trying to explain in a roundabout way without legally getting in trouble, I called the police stating asked them about the policy there about filing lost credit cards if I had only realized it was lost like 2 years later and they said it be to late to do so -- -- -- -- So the law firm told me thats their required procedure or they can not help me -- -- -- -so I am stuck getting dragged into court to try and pay for charges they should have reviewed and removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with US Bank to transfer my current XXXX balance and have 0 intrest for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called US Bank card, I explained what I wanted and why and was told that because of my SSD income, my mortgage, the XXXX account, my discharged bankruptcy from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount 0 % intrest rate on balance transfers. This occurred between XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I submitted a complaint about a sham account being opened by us bank that was closed stating the it was resolved. This has not been resolved. I was hit with a hard inquiry and sent a credit card that I never applied for. US bank was just recently fined for these exact actions. I did not apply for the card nor did I approve a credit inquiry. The inquiry hit my credit report on XXXX and then I received a card which had my check my report on XXXX. I prefer if this was not closed until the matter is resolved. THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NOT A THIRD PARTY SUBMITTING ON MY BEHALF!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: So around mid XXXX around the XXXX maybe I noticed that as soon as I received the text saying that I got my child support that I received another one saying that my balance was zero this also happened on XX/XX/XXXX prompting me to call into US Bank who told me that they could not do much but disputed cut off my card and send me another card it took about 2 weeks to get the card in about 2 weeks after that to finish the dispute as that happened the month of XXXX 's child support came in too and they replaced that which they had lost the first time as soon as they did that it was all transferred out within minutes of me getting it. Again I called complaining to US Bank telling them that it has to be internal that I had my car and that nobody knew the number they said again they will cut the card off and send me another card but this time they will send me a password to change my website connection the password that they send me would not let me into the website because the culprits had changed my address the number that the Text come to in my email address. For the next month each time they will put the money on it would be taken via electronic bank transfer. I called back in at the end of XXXX to file another dispute telling them that this way is not working could I get a paper check they told me that all they could do is cut off the card and send me another one and put a password on my account on XX/XX/XXXX in the Mr traveling into my grandmother 's funeral I tried to make a purchase to get some gas and found out that {$2000.00} had been taken off the card once again. I promptly called the dispute company and told them and they made me go through the process again still not fixing it I asked him for a paper check and they said they would look into it and talk to their supervisor. On XX/XX/XXXX while I was walking through the process with a supervisor teaching me how to load it and take it off the card while she was on the phone they stole it again and stole {$2000.00} again for me. This time while supervisor was on the phone with me she told me she will probably start to dispute but then we were disconnected I waited for like a month and then I called back asking about the dispute and they said that I hadn't started a dispute and that they would start it on XX/XX/XXXX. On XX/XX/XXXX I called again and said that I had just received the dispute papers and was filling them out and turned them right back in on XX/XX/XXXX. I waited a couple days then called in on the XXXX to find out the status and they said that they had not received them yet the woman was wondering why it hadn't been received and she took a particular note on it told me to call back on that Tuesday which was the XXXX I called back and they said that it hadn't been logged in the car back in a couple more days. When I call back they said that there was an error because I waited too long to file to dispute. It's in the next couple of weeks I kept calling to check back on the status of it and the file anymore documents that I needed to and then on the XXXX they told me that my dispute was not processed and that they would send me the information telling me why they didn't ever send me the information they sent me a piece of paper saying the exact same thing they said after which I filed a complaint with the trade commission with identity theft.gov and with the police about the police report the police officer woke me up to US bank and talked to a supervisor and they said that US Bank relied card is in a separate building they gave us all the information and tried to call but even then she was 27 people in line and queue I tried to call for my phone I was 40 and the police officer try to call from his phone and he was 37 after several attempts to fix it the police officer said he would write it in his report and I begin to file my complaint with y'all said he would even follow the suspect least if US Bank would provide it because he sees that I can't do it cuz of the speed of which is withdrawal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I paid for a hotel on XXXX. I initially paid for two nights. I later decided I wanted to stay a third night, so I added an additional night on XXXX and was charged accordingly. I initially planned to stay XX/XX/XXXX and XX/XX/2022. I decided to stay through XX/XX/2022. When I arrived to check in at the hotel, the desk clerk ( XXXX XXXX? ) informed me that I was booked for two separate rooms. She said she would cancel that reservation and book me for the three nights in one room. She said that if I was charged twice, I should let the manager know. When I realized I had been charged twice, the manager was not in the hotel. I was informed that the manager would not be available to speak to me until XX/XX/XXXX. ( I don't remember if it was XX/XX/XXXX or XX/XX/XXXX when I asked to speak to the hotel manager ). I was leaving early on XX/XX/XXXX and did not have time to wait until the manager arrived. I immediately called US Bank to dispute the charges. I explained the situation to the US Bank representative, exactly as I've typed it here. The representative opened a dispute and informed me of the next steps. Later, when the dispute paperwork arrived from US Bank, I completed the paperwork and returned it the same day it was received, along with the requires proof of payment. When I found out US Bank denied my dispute, I was livid. I called US Bank 's customer service and was given incorrect information by a representative. The representative told me the dispute paperwork had not been received. I lost my temper and told the representative to cancel my account immediately. She said she had cancelled it. I was disgusted with that experience and did not believe the representative to be truthful, based on her attitude. I immediately called back and asked for a supervisor. The representative who answered this call said that my account had not been cancelled. She cancelled the account and transferred me to someone in the dispute resolution department. I then spoke to a supervisor in that department and was told that the paperwork was received. However, the supervisor stated that I should have disputed the transaction with XXXX instead of XXXX XXXX and she would resubmit the dispute. Today, XX/XX/2022, I received a letter stating the second dispute was denied. I called and requested a supervisor. I was transferred to XXXX XXXX who said she was a supervisor ). She was not helpful and did not express much of a desire to assist me. I was informed by XXXX that the paperwork I submitted wasn't completed properly. If that is the case, why didn't the supervisor I spoke with initially tell me that information, let me know what was incorrect, and ask me to resubmit it correctly? Today was the first time I'd heard that my paperwork wasn't completed correctly. Each time I've called, I've been given incorrect information. Meanwhile, there is still {$370.00} that I am owed because I was billed twice for one room and one stay. All charges were made on the same US Bank credit card so there is no reason why the dispute can't be resolved properly. Any information that is needed by US Bank is contained in their own billing system. In addition to the receipts that I submitted from XXXX when I initially filed the dispute. When I asked XXXX if she had an extension or employee ID or some way of identifying her, she would not give me that information and said there was no way to reach her if I needed to call her back. She said she would forward my complaint to someone else and I should get a call back within 24 to 48 hours. As a consumer, I am outraged at the lies I have been told. I want the money, plus interest, that is owed to me. This whole experience with US Bank has been a nightmare.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX, XXXX has violated my rights and continuely try to collect debt that I don't owe. 15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt. 15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A