Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is a late payment reporting on my US Bank account. As you can see I have had this account open for years and never made a late payment and there is not XXXX single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act US Bank Account XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent 15 USC 1666b- States a creditor may not treat a late payment on a credit card account under an open end consumer report as Late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: A fraudulent checking account was opened under my name, through US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I went to XXXX XXXX on Saturday XX/XX/XXXX to get my ears pierced. The piercing was free but the earrings were {$79.00}. With tax the total amount due was {$91.00}. I was charged twice .The duplicate charge never disappeared from my account. It was for {$91.00}. I called XXXX XXXX and they told me to talk to my bank ( USBank )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is regarding a XXXX US Bank credit card.. The card was acquired under false pretenses. I had a US Bank debit card and repeatedly contacted US Bank on how to make a direct connection. The software failed to connect. The option I was told was unavailable. I had this option with my XXXX debit and credit card. I got the credit card under pretenses that it would solve this situation. The credit card was able to connect to XXXX, although I could not connect my checking account. This was made worse by me not being able to manage my credit card on the US Bank website. It cause me a lot of hardship with not being able to manage my finances. They want me to pay the over {$5000.00} balance, which I refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: In XX/XX/2022 I informed US Bank of a fraudulent charge to my checking account. This charge led to an advance being issued to my checking account from my US Bank Reserve line. My first conversation with US Bank ended when the agent informed me that I was deceased, and that I would need to physically bring a copy of my own death certificate to a US Bank branch in order to have my account closed, and then hung up on me. I called back and received instructions to dispute the charge, and I submitted the necessary paperwork to dispute the charge to US Bank and it was reversed in my checking account. I instructed US Bank that I wanted to have both checking and reserve lines closed upon resolution of these items, and specifically provided instructions that any funds should be returned to the Reserve Line prior to closing the accounts. I learned afterward that US Bank disregarded my instruction to have balances resolved in the accounts prior to closing them, and the Bank began to issue me late fees for the balance of the Reserve Line account. At the time, the only balance in the Reserve account was the amount that US Bank had advanced to my checking account. They claim to have issued a cashier 's check with my funds but as their records will show that check has not been deposited. I have spoken with nearly 20 representatives of US Bank in a three month period trying to resolve their processing errors and collect the balance of my checking account- which should have been about {$7.00}. This is now between 8 - 10 hours of my own personal time. US Bank has reversed multiple late fees, and I have personally paid the balance of the Reserve line, despite not having received any of the funds that were in my checking account at the time it was closed. I have learned that as I have worked with US Bank to try to resolve their initial error that they have reported my account as delinquent twice to credit reporting agencies. Since discovering the initial error, I have informed multiple representatives of US Bank that this error needed to be resolved definitely before any credit agencies received inaccurate information as a result of US Bank 's mistakes. I have found not a single person at US Bank that can take ownership of the mistakes that have been made to date, or drive for resolution of their inaccurate reporting to credit bureaus, or ensure that a check is sent with the amount US Bank owes to me. Every associate either informs me that I have the wrong area. Several have simply hung up on me. Multiple times I have been transferred to an area where the phone was answered and I was hung up on without anyone speaking to me. The telephone number listed for Consumer Report Disputes is not monitored. I have the direct line to a manager in their customer service area, who will not return my phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Regarding previously filed XXXX Case # XXXX, I received a voicemail from XXXX XXXX on XX/XX/2022, at approximately XXXX PST , which I have saved and retained and can provide proof of. In the voicemail, XXXX states, in part, " I absolutely understand that we failed ... in responding to you ..., '' and then invites me to contact her. I spoke with XXXX later the same day at XXXX XXXX for a XXXX phone call. In this phone call, XXXX stated that, in response to my XXXX Case # XXXX and CFPB Complaint ID # XXXX, XXXX XXXX was out of the office on XX/XX/XXXX and failed to turn on his out of office e-mail reply, and that was the reason that XXXX did not respond to me. I then told XXXX that XXXX did not respond to me until XX/XX/XXXX, only after I e-mailed him to follow up to ask if he was not responding to me because I terminated the XXXX XXXX relationship with his counterpart, XXXX XXXX XXXX. XXXX responded both by voicemail and e-mail on XX/XX/XXXX, all of which I have retained and still possess, stating that because he and XXXX XXXX are a team, he would not work with me but would assist me only temporarily in completing a credit card application while they await putting in place a longer-term team to service my financial needs. Nowhere in either XXXX 's voicemail to me or his e-mail does he ever mention that he was out of the office ; instead, he says he will not work with me. When I brought to XXXX 's attention the discrepancy between her explanation of XXXX 's conduct and the evidence I have to the contrary, XXXX immediately began to persuade me to use the XXXX XXXX XXXX XXXX -- because, as she stated, I'd have a connection to them since I'm from XXXX -- rather than work with a private banker locally, which is afforded to everyone as part of the US Bank XXXX XXXX relationship model. I let XXXX know that I felt pressured and retaliated against, being treated differently and forced to use a service center rather than a private banker, because I raised valid, legitimate and verifiable concerns in the XXXX and CFPB Case ID # s I mention herein. XXXX continued to suggest that my wealth management needs might be better met by simply walking into a local branch or using their general call center, rather than a private banker. I then told XXXX that I felt as if she was " showing me the door '' because of the valid, legitimate concerns I raised, and also because I believed she was knowingly and openly dishonest about XXXX 's failure to respond to me at all -- until regulatory complaints were filed against him, and I had verifiable proof in the form of an e-mail and voicemail that stated he would not work with me because I terminated the XXXX XXXX relationship with XXXX XXXX. Once it became clear that XXXX was, what I believed, coercing me away from the financial services I needed, as a direct result of my complaints, XXXX began to tell me that their legal department is involved, my complaints are extremely serious and all this could go against XXXX XXXX 's XXXX license -- all of which I told her seemed not to address my concerns but instead cover up for her own admission of failing me as a US Bank customer. I then let XXXX know that, based on my conversation with her, I did not feel comfortable communicating verbally any longer, and any and all communication from her and her team should only be done in writing. She said she would let their legal team know of my request. In the end, I believe that XXXX and her team have knowingly acted in a retaliatory and discriminatory fashion for my filing of truthful, legitimate, good-faith complaints against XXXX XXXX and XXXX. Their retaliatory and discriminatory actions, I believe, are in the form of refusing to transfer my investment accounts as mentioned in previous complaints ; my money going uninvested, causing financial loss to me ; and coercing me into not working directly with their team, and instead using other methods of banking and investing that are not required of other customers who do not file good-faith complaints against US Bank and US Bank Investments .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Our local XXXX chain of grocery stores regularly offers Visa and XXXX gift card promotional offers. During these promotions, I regularly buy large quantities of these gift cards to accrue rewards, and spend the gift cards for routine business activity. All of these gift cards are issued and serviced by U.S. Bank. Anywhere from XXXX XXXX XXXX XXXX of all of the gift cards I purchase are compromised and locked immediately on purchase. The only avenue US Bank offers to unlock, and replace the cards ( by sending me a new one in the mail ), is to call an overseas support line. This support line is regularly so backed up that the call disconnects and the automated system advises me to call back at a later time. The times that the call does go through, I'm on hold for half an hour, and spend another XXXX minutes resolving the compromised card. The issue at hand, is that the policy of the customer service representatives is they will only replace one single gift card per phone call. Due to the amount of cards I purchase ( and the sheer quantity of compromised cards I am sold ), and the impossibility of ever getting through, the policy US Bank has in place actually makes it impossible for me to ever get these cards replaced. There is simply not enough hours in the day, even if I did not work nor sleep, to replace these cards one by one over the course of a XXXX minute phone call. US Bank has provided no other avenue or recourse for me to have these cards replaced and by doing so is holding my money hostage. They have made it impossible for me to replace the cards.
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: 2022-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I believe the company is Elan financial services identifying themselves as XXXX on the phone XXXX ( XXXX ) XXXX and XXXX cardmember services or just cardmember services XXXX XXXX XXXX XXXX mo XXXX through the mail. Was told by a rep they were XXXX ( my bank ) until XXXX when I spoke to a supervisor about them calling me 8 times a day. Supervisor told me it was XXXX and not affiliated with XXXX in any way and that calling more then XXXX times a day was against their policy. I told them I couldnt get money in my account as my banks atm had been down for a month and I couldnt make a payment. It was fixed toward the end of XXXX and I tried to get it caught up. On XXXX XXXX the atm was robbed and completely disassembled in broad daylight. I told Elan this and was told they would just continue calling daily until I made a payment. In the past 2 months XXXX through XX/XX/2022 they dont even identify themselves anymore they call and hang up immediately. While writing this I got a call from them actually talked to someone and asked for a supervisor as I was telling her they hung up on me every time she hung up on me. This time it was on speakerphone and my fianc heard them hang up on me. Ive included the numbers they call from and pictures of the mail they have sent me on witch they are just identified as card member services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29644
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Ive called US bank several times, the call is dropped after going through different process while on hold or being transferred by computer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A