Date Received: 2022-07-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: SOMEONE STOLE, MY PUA OHIO UNEMPLOYMENT BENFITS WITHOUT MY PERMSISSION AND IT HAVE CAUSED ME TO NOT HAVE MY MONEY, THERE WAS AN ACCOUNT TAKEOVER, AND ALSO IT CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I ask for the late payment removal and it was granted to me during the pandemic. it has not yet been removed from my credit file. This late payment is being reported in XX/XX/2021 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my paycheck and was given a available balance and later that night the purchases were put in as overdraft as they took my available balance away and put a hold on my paycheck so the charges I made when I had a available balance made my account negative
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of USBANK XXXX I believe it was reporting in error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: FILE A DISPUTE US BANK HOME MTG XXXX The account is not in deferrement status. The account is closed/paid in full. Please correct comments. Please remove negative deferred comments. thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I traveled to California to visit family the last week of XXXX. I was at my neighbor 's house for XXXX of XXXX and received an email saying that my account was low and that my transaction was sent. When I opened up my account to find out I had only {$13.00} in there. It showed that payments went through XXXX and one through XXXX. {$500.00}. {$600.00}. {$180.00}. {$500.00}. {$200.00}. And {$400.00}. Those were unauthorized transactions. I then called the fraud department and filed my report with them, she asked me about the XXXX {$200.00}. deposits that where put into my account from XXXX XXXX XXXX I was not working at that time so I had nothing to deposit. I did tell her that and that I didn't authorize any of those transactions and that I did not deposit any checks. She said my report was now filed and that my mobile banking was on hold and would only receive direct deposits and that I would hear from them within 7-10 business days. I called them around the 7 day mark to get an update on my report and they said it was still under investigation. I did receive copies of those two deposits in the mail, but because they were fraud I did not deposit them. I took them into my local branch and they disposed of them. I did call the fraud department again on XX/XX/22 to let them know they sent me those checks and that it was not my money, he said that he would fix that and put it into the report. On XX/XX/22 I received letters in the mail stating that they denied my claims. I called them to find out why and she said that the report had no notes in it other then the two deposits. She asked if I told the whole story to the other person I had spoken to and I said yes, but they never added it into the report. She told me that because it went through XXXX, through the app that they said I authorized it. I told her that they were all unauthorized transactions and she said I can dispute the denial and try it again but it's going to be a very slim chance that I'll get anything back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40351
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX we bought and titled a boat in XXXX. In XX/XX/XXXX my husbands job moved us to XXXX. We titled all of our vehicles in XXXX immediately and have been attempting to title our boat for four months. In that time I have spent hours on the phone with US Bank. In every state we have been to, the state TAX ASSESSORS titles all vehicles including boats. In XXXX it is a DIFFERENT agency called thXXXX XXXXa Department of Natural Resources. It is all online. The required documents are the same, a bill of sale, the current registration and a copy of the title. My initial 10 or so calls to US bank speaking to " bankers '' I was told the title was being ordered, it was on the way, it takes 2 weeks. We waited and waited. We called and called and we were yelled at, hung up on, told they did not have the title, it was in Florida, and finally they said they were not sending the title, period. I then received a letter from US Bank saying they wanted a letter of request from XXXX. I called the Department of Natural Resources and they said they don't do letters. I called US BANK again. I was told by a supervisor that the letter of request could come from me. I sent a letter, and the email from the XXXX office saying they needed the title, which should suffice as a request from them. They did not respond. I called again, multiple calls, and they said they don't know who this supervisor is that told me the request could come from me, and again they were not sending a copy of the title, period. They said the only way they would do it is if Georgia sends a request. They said they get requests all the time. Yes for cars from the TAX ASSESSOR, but this is a different entity! It is not the Tax assessors office! I know what they are talking about. When we registered our car, also financed with US bank, we took in our insurance, previous XXXX registration, and we got a license plate. The tax assessor then requested the title from US bank to perfect the lien in XXXX. So when they say we get requests all the time, yes for vehicles from the tax assessor. This is not the same office! We have a boat, financed through US Bank, that we are paying for every month, on time, unregistered. I have never been through anything like this. We have been married for 30 years, bought and sold numerous cars, boats, etc., and unfortunately moved a lot for my husbands job. Five states so far. We pay all of our bills on time, follow the letter of the law, and this is the worst agency we have ever dealt with. We are working on refinancing the boat with someone else, cancelling other accounts to get away from them, but that will not solve the registration issue. This stand off is ridiculous and the only ones that can stop holding this registration XXXX is US Bank. I am attaching the letter of request from me that I was told by a supervisor would suffice. The email from the XXXX Dept. of Natural Resources saying they need a copy of the title which is also a request. The letter from US Bank saying they received a request but they need a letter of request. And lastly our loan statement. The account is current with the worst bank in existence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a notification through XXXX XXXX that a hard inquiry was done using my social security with US Bank. I do not have a US Bank account. I called them and they confirmed that a credit card application was submitted with my social security, and that it was done using an address that is not mine. On that call, they closed that account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
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: XXXX XXXX mistakenly refunded {$1000.00} to my closed US Bank credit card ending in XXXX on XX/XX/XXXX XXXX This was a partial refund for our year insurance premium, the original bill was paid with my Wife 's XXXX XXXX XXXX returned the XXXX to the wrong card on file ( US Bank card XXXX ).. I contacted Us Bank on XX/XX/XXXX in regards to this issue, they stated they had kicked back the {$1000.00} to XXXX the same day on XX/XX/XXXX XXXX. Us Bank would not supply me with proof in writing that they had refunded the money directly to XXXX I continued to call US for written proof for almost two weeks since XXXX has no record of refund.. Finally on XX/XX/2022 Us Bank say they have had the funds all along and they're just sitting on my closed account.. They refuse to issue a refund to XXXX or mail me a check so I can settle up with XXXX XXXX This matter has been sent to collections by XXXX and needs to be remedied sooner than later.. US Bank Refuses to commit to when a refund will be issued and just says call back next week for an update .... How can a bank just sit on funds for over 6 months??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97013
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We purchased this vehicle on XX/XX/XXXX. In XXXX of XXXX my husbands job moved us to XXXX At that time, with no communication as to why, our payment went up {$110.00}, from {$1700.00} per month to {$1800.00} per month. We called and were advised that XXXX had a lease tax. On XX/XX/XXXX my husbands job moved us to XXXX We sold our home in XXXX and bought a home in XXXX. We changed our addresses on file with US Bank. We registered our vehicles, including this one, immediately in XXXX. We called US Bank in XXXX and asked when the XXXX tax of {$110.00} would be removed. They said it would come off and we just needed to wait. I called again XX/XX/XXXX to inquire when they would be removing this amount. It took an hour to reach someone and I was told that after speaking to a " credit specialist '' we had to call XXXX XXXX XXXX Tax assessors office and tell them to stop billing US Bank the XXXX Tax Amount. I asked how I was supposed to do that? I lived in XXXX and I know the tax assessors office is not reachable by phone and I am XXXX hours by car. They proceeded to hang up on me. I immediately tried to call back. I headed another " banker '' XXXX and told her what happened. I told her I was officially disputing the XXXX tax amount. I just can't with them any longer. They are doing something similar on another account which I will be filing a separate complaint for. My husband and I are rule followers. We pay ALL of our bills on time always. This account is current. As of now they have collected XXXX months of this extra tax that they should not be collecting. We are asking for assistance as this company is absolutely refusing to help us in any way with any account we have with them. I am attaching the original contract. The last statement with the original payment amount, XX/XX/XXXX. The XXXX statement with the additional tax amount XX/XX/XXXX and who I talked to when I received it. And our most current statement from XX/XX/XXXX which has been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A