Date Received: 2024-01-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This bank and company doesnt want me as a customer or to have be approved for a credit card Ive applied countless times and have always been denied being told they cant verify me I recently applied for a secured credit card they gave me a hard time to verify me and my information I have a fraud alert on my credit report which they have to speak to me to have it cleared they refused to do so and said XXXX XXXX this is very rude and not how I should be treated when coming to apply for a secured card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: RE : CFPB COMPLAINT - ACCOUNT FURNISHING VIOLATION |Account Number XXXX XXXX XXXX XXXX || || || || || || || || || Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against US BANK CONSUMER REPORT DISPUTES for willful non-compliance with my written instructions to cease and desist from furnishing data on my consumer report. The company has violated multiple statutes, as outlined below : **Incident Details : ** 1. **Unauthorized Furnishing of Information : ** Despite my multiple written instructions, including an opt-out letter, US BANK CONSUMER REPORT DISPUTES continued to furnish transaction history data on my consumer report. 2. **Violations of FCRA : ** The actions of US BANK CONSUMER REPORT DISPUTES directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c and 15 U.S. Code 1681b. **Legal Violations : ** 1. **The incident involves US BANK CONSUMER REPORT DISPUTES persistently furnishing transaction data on the consumer 's credit report despite the consumer having previously opted-out and explicitly rescinded consent for such reporting. This action constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines a consumer reporting agency as an entity that assembles or evaluates consumer credit information for the purpose of furnishing consumer reports. Notably, the FCRA excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. In this case, US BANK CONSUMER REPORT DISPUTES continues to report transaction history, which is explicitly illegal under the FCRA. The remedy sought is the immediate removal of all payment history on the account or, alternatively, the reclassification of the account status as " paid as agreed upon '' to rectify the ongoing FCRA violation. 2. **15 U.S. Code 1681 - Congressional findings and statement of purpose : ** - US BANK CONSUMER REPORT DISPUTES failed to exercise its responsibilities with fairness, impartiality, and respect for my right to privacy, as mandated by the FCRA . 3. **15 U.S. Code 1681a - Definitions ; rules of construction : US BANK CONSUMER REPORT DISPUTES is classified as a consumer reporting agency and, as such, must adhere to the FCRA 's requirements regarding the confidentiality, accuracy, relevancy, and proper utilization of consumer information. 4. **15 U.S. Code 1681b - Permissible purposes of consumer reports : ** - US BANK CONSUMER REPORT DISPUTES continued to furnish transaction history data on my consumer report without my written consent after I provided written instruction to cease and desist, thus US BANK CONSUMER REPORT DISPUTES is violating the FCRA 's requirement for authorization. **Requested Remedies : ** I request the Consumer Financial Protection Bureau to take the following actions : 1. **Removal of Data : ** Direct US BANK CONSUMER REPORT DISPUTES to immediately remove the data of transaction history for the account ( s ) listed from my consumer report. 2. **Formal Apology : ** Request US BANK CONSUMER REPORT DISPUTES to issue a formal written apology for their willful non-compliance with my written instructions. XXXX. **Compensatory Damages : ** Demand compensatory damages of a minimum of {$6000.00} per account listed for the continued furnishing of data after authorization was rescinded. I have attached supporting documentation, including copies of my written instructions to cease and desist, the opt-out letter, and evidence of US BANK CONSUMER REPORT DISPUTES 's continued unauthorized furnishing of information on my consumer report. I appreciate your prompt attention to this matter and request a thorough investigation into the actions of US BANK CONSUMER REPORT DISPUTES to ensure compliance with the FCRA. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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 filed a dispute with US Bank over a charge from XXXX for {$65.00} due to the product being rancid. They told me the dispute would take up to 60 days. They then sent me paperwork to fill out, which I made a mistake on and asked for new paperwork. It took some time but they sent the new paperwork which wasn't received until after the deadline due to the delay. I sent back the paperwork. However, the charge from XXXX is showing on my account again- the provisional credit was reversed - because they are saying I didn't send the paperwork back by the due date when they knew that I needed more time and the company ( XXXX ) was allotted more time. The dispute is over protein shakes I received which were not drinkable and XXXX did not provide a way to resolve the issue that was satisfactory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, 2024 I made a purchase from XXXX XXXX for {$130.00} The agent at US bank says the transaction was authorized Authorized approved : XXXX {$130.00} However, XXXX XXXX says that there is no such approval or order confirmation on their end. US Bank representative, kept blaming my notification settings was the issue. She kept stressing that because I didnt have my phone number selected for notifications. That was the reason why that I was not getting any of my transactions approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX HAS REPORTED US BANK CLOSED MY ACCOUNT UNDER DEROGTORY CIRCUMSTANCES & I CAN NOT OPEN AN ACCOUNT WITH ANY BANK NOW NOR XXXX US BANK HAVE THE RIGHT TO CLOSE MY ACCOUNTS DUE TO THE INFORMATION PROVIDED WAS INCOMPLETE, IE IDENTIFY THEFT & FRUAD.I SUBMITTED THE AFFIDAVIT TO XXXX WITH THE INFORMATION REQUSTED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On or about XX/XX/XXXX I had my attorney to write a letter to US Bank regarding my escrow account. US Bank is currently escrowing my house taxes and my home owners insurance however I was still paying {$670.00} per month when I first purchased the loan in XXXX. However as of XXXX I've been paying over {$1000.00} per month without an explanation. This was the reason for the letter from my attorney. I had my attorney to reach out and send a letter on or around XX/XX/XXXX and neither my attorney nor I have received a response. As my attorney was looking through my documents he noticed that my house taxes increased as well as my home insurance. I was never contacted about my home insurance rates going up nor my house taxes going up by mail or by phone by either the mortgage company nor the company. Therefore, my attorney suggested that I send a letter to CFPB to get a resolution regarding this matter. My home is currently listed as a rental dwelling when I have lived in the house since I obtained the loan in XX/XX/XXXX therefore those rates are incorrect. Overall the letter submitted to US Bank indicated that I will be paying for my own homeowners insurance and this should no longer be in my escrow nor escrowed by US Bank. Also, I will be paying for my own house taxes as well and this should not be escrowed by US Bank. I have already switched over my home insurance carrier but I'm still being charged escrow on it because US Bank either paid it in full or is still using the old policy that I canceled. Therefore US Bank should provide the following : 1. Indicate the date US Bank paid the XXXXXXXX XXXX Policy or which homeowners policy are they currently paying? 2. Remove the payments they made regarding the XXXX XXXX Policy if any because I am currently paying it as XX/XX/XXXX to present therefore I do no need it escrowed by US Bank. Remove this from my escrow immediately with no charges to XXXX XXXX. The amount XXXX XXXX paid for this policy from XXXX XXXXPresent should still be active with XXXX and whatever payments US Bank paid should be removed from the XXXX Policy. XXXX. If US Bank is still paying on the XXXX XXXX XXXX policy this was canceled on XX/XX/XXXX and should no longer be an active policy. 4. The payments made in escrow for XXXX XXXX Taxes should be sent back to XXXX XXXX effective immediately. The dates should be listed with the amounts paid to the escrow outlining the amounts that will be refunded to XXXX XXXX. XXXX XXXX will be paying XXXX XXXX XXXXXXXX XXXX XXXXXXXX directly and the escrow should be closed out with nothing escrowed moving forward. 5. Place XXXX XXXX 's original loan amount from the current amount {$710.00} back to {$670.00} immediately as there is no reason my monthly payment has changed when the interest rate has stayed the same since XXXX. 6. Explain this specific line item on my mortgage statement - XXXX XXXX XXXX XXXX. Send all escrow analysis for XXXX to my address on file immediately. 8. Send all mortgage statements from XXXX XXXX XXXX for they are not on the website and I have not had access to them to my address on file immediately. 9. Provide in writing the extra payments paid out with dates for my monthly mortgage to include the price difference from {$710.00} to {$670.00} ( and I may not have the actual amount for the {$670.00} monthly payment because I haven't paid this amount in a while ) This amount should be reimbursed immediately. 10. Explain how the interest on the loan goes from XXXX dollars to XXXX dollars to XXXXXXXX dollars with the interest still staying the same since XX/XX/XXXX. Reimburse XXXX XXXX for all interest payments that were paid to interest falsely. Include dates of interest rates, cost and explanation for how the interest rate was raised when the interest rate has not changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX - XX/XX/2023 - {$290.00} Based on : 15 U.S. 1666b - Timing of payments AND 15 U.S. 1681a - Definitions - 2. Exclusions ( A ) i. It is my understanding that this information should not be shared publicly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I banked with US bank they closed my account because they couldnt verify a cashiers check I received from XXXX.They requested verification from BMO which XXXX made a letter of verification that the funds did belong to me.They still got my funds on hold even after they got the verification of funds verified through BMO.i have documents attached that the funds belong to me.At this point they are enduring me.Im homeless, lost my car, and lost job cause I am not able to get to work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2024, I made a monthly payment on my US Bank credit card account. I didn't include the statement with the payment because the statement was stolen out of my apartment, but I did include the account number on the money order I provided for the payment ; now their saying that they haven't received my payment. I pay this way ( by money order ) once a month and never have a problem making the payment on ( account number XXXX ). Can you please help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A