Date Received: 2022-08-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I had a club calson hotel credit card with US bank for many many years, with a credit line of XXXX dollars, which I believe I deserve more but since I did not use it I never request any credit limit increase. Recently due to operational issue they mandatorily tried to shift my hotel credit card to USBank triple cash visa, as by that change from what I consulted I will loose all the welcome offer, I had chose to close my account and re-apply for the triple cash. Please be noted that so many years since my small business established I had never missed a payment and without any default events, so did my personal credit profile. If I reapply, I should be able to get a credit line of more than XXXX dollars. Then eventually approved for only XXXX dollars for my new application and I requested for the credit line increase and they rejected it for the following reason ( from the letter ) : 1. High balance on existing accounts That does not make sense as I have small business credit profile for so many years, 7 years at least and I constantly carry balances with my credit card, even with USbank club calson card when they have transfer promotions, it's a common financial tool should not be considered as risk. In addition, I have perfect personal and small business credit profile. What's more, during the pandemic, it makes great sense for a surviving small business to carry some balance but not default on you right? Most of companies provide great tolerance on these days, can not imagine they are being tougher. 2. Account recently opened. 3. Need 6 month payment on this account. Above 2 reasons makes no sense at all, during communication with their customer service I specifically refer to my old closed accounts have XXXX dollars credit line and had flawless payment history. By the way what does 6 payments in this account mean? Is that the way to view a credit profile? Other payments from credit bureau does not account? Only the balance on other credit card from credit bureau counts? Another bad thing about this is, which is very bad, on their welcome offer, they said 2 specific benefit which attract me, one is the spending of XXXX dollars to get a XXXX dollars cash back, and the first 15 month of promotional XXXX interest period, on top of which they gave me only XXXX dollars, it's not acceptable. They are ruining my benefit by limiting my credit line for unacceptable reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
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: Purchased two ( 2 ) XXXX XXXX XXXX from XXXX. Nearly 6 months later the items arrived and they are counterfeit. I contacted the XXXX XXXX rep and he confirmed the items as counterfeit. I contacted US Bank regarding the transaction on XX/XX/2022 and was issued a provisional credit of {$500.00}. I submitted documentation requested by US Bank. On XX/XX/2022 I noticed the provisional credit had been revoked. I called US Bank and was told the documentation I submitted was received but incorrectly formatted. I then reformatted the information and submitted it again via fax. Per the suggestion of the US Bank associate, I asked for a return call from the case processor. I did so for the express purpose that any additional information or requested could be fulfilled. I was told by US Bank to answer all calls even suspected spam calls because it could be from the claim processor. I followed these instructions to a T. Each week, usually on Tuesday I call US Bank and speak with another associate ; XXXX, XXXX, XXXX, XXXX and XXXX. All very nice people but despite what their notes may say I have never received a call from the case processor. Today, I called and was told the case was closed yesterday due to time. Any time limit was never disclosed. US Bank does not allow me to contact the case processor. US Bank has never initiated a single call or request for further information. I have explained that the US Customs and Boarder Patrol instructed me to not attempt to return the item as it is a felony to ship or return ship counterfeit merchandise. What US Bank is doing is re-victimizing me when they should be an advocate for me as a consumer. US Bank could have asked me at anytime for more documentation but instead they have stonewalled me again and again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: USBank has an issue with their automatic payment system. Twice now we have had to change the payment details within 2-3 days of a due date. When doing this it FORCES you to not only pay the current amount due but also the next month 's payment ( roughly {$1500.00} ) even though it is not due for another 25+ days. Now, after the last time this happened and we were FORCED to make a double payment, the due date for our next payment was set to XX/XX/XXXX. Now today XX/XX/XXXX even though a payment is not due until XX/XX/XXXX it automatically took another {$1500.00} from us and set the enxt due date as XX/XX/XXXX almost sixty days in the future. This is unauthorized and is theft. The bank refuses to address this and we are not wealthy people with the ability to gift the bank {$1500.00} because they can not architect their online payment systems properly. We want the XXXX payment taken in XXXX without authorization refunded immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good morning, Previously I had an outstanding balance with US Bank that I have since paid off. My credit union has advised me that US Bank has not removed my name from XXXX Please remove my debt immediately and provide a statement showing I no longer owe this debt to US Bank. Thank you for your time.
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: 2022-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fidelity is not protecting me from fraudulent use of a credit card it issued to me. Furthermore, Fidelity keeps telling me different things when I call to address the matter. Fidelity has told me to submit my claim one way and assured my card would not be charged, only to later tell me my card will be charged. Fidelity has repeatedly told me I would receive follow up calls in the past, and then they would not follow through at all. In addition, Fidelity representatives continue to tell me, inaccurately, that I bought a purported ticket and used it and that the ticket was non-refundable. Therefore I have to pay it whether I like it or not. However, I did not buy or use this ticket. Fidelity keeps telling me to prove I did not buy it, but one can not show evidence for something such as this that did not happen. Their fraud reviewal process is flawed and nobody at Fidelity has been accountable. Their credit card operation is a rudderless ship. Fidelity markets and benefits from credit cards, but does nothing to help its consumers. They disassociate themselves from the credit card and tell their clients they have nothing to do with it when there is a problem. Fidelity is only interested in taking your money, not in protecting it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have not used a USBank credit card for years and I have tried to close the account numerous times by telephone and email. The last contact was a telephone call on XX/XX/XXXX, when I actually talked to a real person who said she would close the account. I just received an XX/XX/2022 statement indicating I owe a balance of {$26.00} because they charged me a fee of {$20.00} and a past due fee of {$6.00}. We paid the previous invoices ( {$67.00} in total fees charged in 2022, but no purchases ), although we kept trying to close the account, just to preserve our credit rating in case their robot talks to the credit rating agencies robots. Why do I have to complain about a spurious {$26.00} bill? A friend told me he fought the same battle for years and the fees keep coming and adding up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: As indicated several times before, funds from the account were never transferred back into the account sending. CFPB and US Bank haven't adequately addressed all of my concerns mentioned. Please forward ALL of my complaints regarding US Bank to the Ombudsman Office. MY FUNDS WERE NEVER TRANSFERRED BACK INTO ACCOUNT SENDING!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested a validation of debt from US Bank Home Mortgage on XX/XX/2022 through Certified Mail, they have not replied with any response. It has been over 30 days, according to the FDCPA section 809 ( 5 ). US Bank Home Mortgage is in violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Credit is my right, US Bank has discriminated against me with an adverse action in the form of a denial under 12 CFR 1002.7,15 us 1681a, this being adverse to my interests as a consumer. Congress definition under 15 usc 1691 explanation of activities constituting discrimination says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION, this law is clear! U.S. Bank has committed a crime and continues to be noncompliant and willfully negligent on resolving this matter. Credit is my right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is why I am going public. To warn and protect others from having a supposed representative calling from US Bank fraud department. I had never used XXXX nor even realized it existed. I was completely clueless and very panicked when a ( representative ) of US Bank fraud department called and said XXXX had been taken out of my savings account and telling me the steps I need to take to get it back. Let me repeat that someone claiming to be from US Bank fraud department contacted me representing your company from a number that is actually your fraud line department telephone number. My savings is almost wiped out and my bank account has been frozen for weeks now because of this. If you think I am going to let this go you are very wrong. And people need to be made aware of the scam using your bank. XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A