Date Received: 2022-07-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: US Bank took over my State Farm credit card which was XXXX XXXX interest since inception. Earlier this year, they mailed out a letter saying my rate was going up XXXX XXXX due to my credit report and their recent review. I complained to State Farm to no avail. Then I called US Bank and spoke with " XXXX XXXX '' by phone in the third week of XX/XX/XXXX. I stated I needed a copy of the letter which I could not locate in my home. It was recently received. In the phone call to this US bank employee, she denied the interest change was specific to my individual credit. She proclaimed all got a recent rise in an interest rate increase. I am supplying the letter as documentation that clearly proves the jump in my rate on my card ( as of XX/XX/XXXX ) was due to MY credit score and MY credit review by them. I am also enclosing their second fraudulent solicitation received by me stating any balance transfer I make right now will be at the lower XXXX XXXX rate. This is not true as the boost in rates applies to " all usage '' after XX/XX/XXXX '' as stated in the letter Upon further examination, I see that a prior balance transfer is crediting all my payments towards that transfer first when I have made them. The remaining balance on that XXXX balance transfer is only {$210.00}. This is not what I understood when I took the offer last year. They are prematurely paying off the zero interest balance about XXXX months early and letting interest stack up on all purchase balances. That seems illegal. If not, I am not sure it was disclosed. I have quit using the card and it is scheduled for payoff soon. I don't trust US bank after seeing how they market lies across state lines and their staff lies when you call in. They make it difficult to have a trail of correspondence. Only they can message you in their online app. They do not allow me to message them with this complaint of numerous infractions. So, since they don't allow written `` trail '' complaints online, I am complaining to you and the Arizona AG office next. Seeing illegal activity as I have found in their operations, what else are they doing illegal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX {$260.00} at XXXX. I told them I did not make this purchase on XX/XX/XXXX They did research the dispute. They did not think it was a valid dispute. Same day XX/XX/XXXX a charge was added {$49.00}, XXXX. I disputed the purchase, I did not make this charge at XXXX. I told them I paid cash for XXXX. XXXX I purchased on my debit card for {$140.00}. They did not give me credit back. U.S. Bank XXXX card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45356
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
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: On XX/XX/2022 at XXXX EST while on vacation I received a text message from US Bank Fraud Alert inquiring whether a charge in the amount of {$200.00} at XXXX XXXX was valid. I immediately responded that the transaction was not valid and called the customer service phone number on the back of the credit card to discuss further. A provisional credit was issued for {$200.00}, the account was closed and a request was processed to have a new card issued. On XX/XX/2022 I noticed that the charge was again deducted from the account on XX/XX/XXXX. Upon seeing this transaction again, I called and spoke with a customer service representative named XXXX at XXXX XXXX. XXXX transferred me to XXXX at XXXX who stated that research concluded the transaction was valid. XXXX provided me the details of the transaction and I again refuted the claim I, as the cardholder, DID NOT request or authorize the purchase. I also DID NOT receive any delivery from XXXX on XX/XX/XXXX at my residence. When I asked for signature confirmation of this supposed delivery, it was noted that Customer was met at door and that there was no signature. I, as well as my husband who was home the full day, refute these details as there was no activity of this nature at our residence and no delivery was received. I was told that the case would be reopened and that I should expect a return call in 2-3 business days. On XX/XX/XXXX at XXXX PST after not receiving a call regarding the matter, I again called and spoke with a representative named XXXX who said my case was being transferred to a supervisor and that I would get a call back. On XX/XX/XXXX at XXXX XXXX I called again, this time speaking with XXXX XXXX XXXX transferred me to XXXX who I spoke with at XXXX. XXXX transferred me to XXXX. XXXX stated that a return call was attempted on XX/XX/XXXX that went unanswered. XXXX said that call would have come from either area code XXXX or XXXX. In review of home and cell phone records, no such call was found to have been missed or blocked. I was again told the case would be reviewed and to expect a call back. On XX/XX/2022 at XXXX PST I called to discuss the matter again. A representative ( the name given sounded like XXXX but I can not confirm ) provided me with the case number and reviewed the notes she could see in the system. Note the case number had not been provided to me during any of the previous calls. After detailing the summary of events again, the representative stated that she DID NOT see note of an attempted return call on XX/XX/XXXX and did not understand why I was told that information. The representative placed me on hold to connect me with a supervisor. My call was then transferred to a representative named XXXX. XXXX explanation was that the case would not be reopened or investigated further and that the matter was considered closed, leaving me responsible to pay for this fraudulent transaction. XXXX took the time necessary to dryly read the script that told me how sorry he was for the difficulties Id experienced. I was also able to speak with XXXX at the XXXX XXXX Headquarters and was told that my concerns would be relayed to the appropriate party for their records The line of credit was closed at my request after the unsatisfactory results regarding the transaction detailed above. I have been a loyal XXXX XXXX for most of my life and am deeply troubled at the lack of evidence gathered which places the financial responsibility back on me. I am even more troubled at the inconsistent information I was given over the course of these calls. Ultimately, I no longer trust that this credit card company can protect consumers from fraudulent schemes to bilk them of their time and earnings. As this fraudulent charge was not made by myself or anyone in my household, the repayment of this charge is not my responsibility and should be removed as a debt levied against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Money was taken out my account that wasnt authorized several times through XXXX. My account was compromised because my phone was stolen during the time of these transactions. I was a victim of sim swap scam and fraud.I called us bank and they refused to give me my money back. A total of XXXX dollars was taken out my account. I even had to open new accounts because of these issue. Which is bank will have documentation of. Here the amounts and when they were taken out. XX/XX/2021 ( {$900.00} ) XX/XX/2021 ( {$1000.00} ) XX/XX/2021 ( {$300.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$600.00} )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a vehicle that was per-ordered approximately 9 months ago from XXXX XXXX. When you pre-order you select the model you want and you agree on a price. Everything is streamed-line and done electronically and saved in your account. I signed and took delivery of car on signed for the agreed priced. Somewhere after the delivery on XXXX XXXX 2022. I noticed the issue upon setting up payment and the before the first month of the initial payment that the price of the vehicle changed after signing. The Bank : is US Bank. The car company is XXXX. In my investigation I found out that the price of the vehicle was increased on all vehicle across the board for all customer after I made my order and agreed upon the price, which was disclosed to me that would not affect me. I sign for the locked in price also whick was {$59000.00}. I brought this issue up with US bank then to XXXX, XXXX employees acknowledge the issue as there walk-in facility, but the issue has not been resolved. I went back to the bank and the bank refuses to correct the issue and continue to charge the higher price which is {$67000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: XXXX XXXX ( U.S. Bank ) Transfer to XXXX : Why isn't the Federal CFPB providing Proper Oversight and Requiring Complete Disclosure of the Transfer of Service & Terms from U.S. Bank to XXXX XXXX?? Why is there Only ONE Disclosure of " New '' XXXX XXXX Credit Card Terms and NO Disclosure of Previous/Existing " Old '' U.S. Bank Terms & Fees ? So Consumers can Quickly and Simply Understand the DIFFERENCES in APR %, APR Balance Transfer, APR Cash Advances, Paying Interest ( i.e. Due Date Billing Cycle ), Fees ( Annual, Transaction Fees [ Cash Advance & Balance Transfer ] and PENALTY FEES ( Late Payment and/or " Surrender Fees '' ( If consumer quits or drops Credit Card Service in 12 months or less? ) from the OLD ( XXXX XXXX " U.S.Bank '' ) to the NEW ( XXXX XXXX " XXXX XXXX '' ) and DISPLAY/Print the DIFFERENCE ( Increase or Decrease ) in APR Rates, Billing Cycle Days and Fees. Like the Mortgage Industry is required to follow TILA " Truth In Lending Agreement '' rules and full transparent disclosure of terms... WHY Isn't there a FULL DISCLOSURE REQUIREMENT COMPARISON REQUIRED with a Simple COMPARISON CHART provided that shows the CHANGES in Important Terms so Consumers can make an EDUCATED DECISION on if they wish to Continue with the " New '' XXXX XXXX XXXX Terms or Decline and Seek Another Credit Card. As it stands... XXXX XXXX XXXX in a " Heavy Handed Approach '' IMO is PUSHING People to take Action " Action Required '' by XX/XX/2022 WITHOUT FULLY EXPLAINING THE DIFFERENCES from PREVIOUS RATES, TERMS & FEES To FUTURE RATES, TERMS & FEES... It is CLEAR that this is PURPOSEFUL OMISSION OF CRITICAL FACTS " Half Truths '' that are Presented to Consumers so Credit Card Companies Do Not Loose Customers. It is Not At All Unreasonable to Make Such a Request and the " cfpb '' ( consumer financial protection bureau ) should be at the forefront to ENFORCE this Standard Full Disclosure and Transparency Requirement ( Much Like the Mortgage Industry TILA as stated above ). The Current XXXX XXXX XXXX XXXX from " U.S. Bank '' to " XXXX XXXX '' SHOULD BE HALTED by the CFPB until FULL DISCLOSURE OF TERMS COMPARISON DIFFERENCES ( In Simple Chart/SpreadSheet Form ) is presented to the Current Customer Base!! This should be a XXXX XXXX to Provide " Comparison Data '' for ALL Credit Card Service Transfers between Companies or Subsidiary Companies. I am amazed that this [ SIMPLE Terms XXXX XXXX XXXX ] has not been thought of before... or it has been suggested and " repressed '' for long forgotten reasons... In Short ... AS THE PROCESS NOW STANDS... IT IS ONE SIDED MISREPRESENTATION and NON-TRANSPARENT Disclosure of the Current Transfer Process with a " Heavy, High-Pressure Approach '' to get Consumers to Commit to " Action Required '' by XX/XX/XXXX to New Credit Card Terms without Proper Explanation of " AS IS TERMS '' And " TO BE TERMS ''!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98030
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: As a XXXX citizen, I am requesting that {$1000.00} that was fraudulently XXXX XXXX XXXX from my account. US Bank is aware of how customer 's accounts are being compromise. I filed a complaint on XX/XX/2022 pertaining to US Bank. I will continue to file complaints until I receive the {$1000.00}. I will file a class action law, so other seniors and US Bank customers can join in the lawsuit. Again, XX/XX/2022, I received a call from US Bank per my caller ID. The caller stated my account was compromised and {$3000.00} was stolen from my account. In order to received the funds back, the caller stated that I had to XXXX ' the money back to a certain person per instruction from the " US Bank '' employee. I XXXX ' {$1000.00} and when I noticed that the money was not going back to my account I hung up and called US Bank. Immediately, I filed a dispute. Subsequently, I was denied several times. When researching scams and fraud, I noticed the below statement on US Bank website. The paragraph from their website is the exact scenario that occurred to me. Again, I must say that US Bank is aware that their customers are being " ripoff. '' The paragraph below is my proof. I am requesting the {$1000.00} that was " XXXX '' from my account. XXXX XXXX are fraudsters who reach out to you by phone instead of email. Theyre after the same thing as phishers your confidential banking information. Fraudsters can spoof caller ID to make it look like a call is actually originating from U.S. Bank. So how can you tell whether a caller is the real deal? Its simple. U.S. Bank will never call you and ask you for your account numbers, Personal Identification Numbers ( PINS ), or any confidential information. Do not provide any confidential information over the phone unless you initiated the phone call. Hang up and call U.S. Bank at XXXX if you suspect fraud. Call XXXX ( XXXX ) for all other customer service concerns.
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: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Filing complaint against US Bank for not providing us with accurate information regarding forbearance and request for Mortgage Assistance. XXXX XXXX was employed making an estimated {$110000.00} annually income. Lost job XX/XX/XXXX XXXX XXXX XX/XX/XXXX re-employed making an estimated {$60000.00} annual income XXXX XXXX was employed making an estimated {$80000.00}. Lost job in XX/XX/XXXX XXXX XXXX was re-employed XX/XX/XXXX ; various jobs between then and XX/XX/XXXX making an estimated {$60000.00}. As of XX/XX/XXXX making {$70000.00} In XXXX we applied for a Mortgage Assistance plan through US Bank with the intent to lower our monthly mortgage payment. At that time we were informed by US Bank to stop paying our monthly mortgage payment until a decision was made. We were declined for the Mortgage Assistance Plan to reduce our monthly mortgage payment by US Bank due to, in their opinion, we had the ability to pay. We were told we could reapply which we did. Declined again. Then we were told that we could do a forbearance in 3 month increments and the missed monthly payments would be added to the back end of our loan We continued the forbearance for 12 months. At the end of the12 month forbearance, XX/XX/XXXX, we reapplied, as instructed by US Bank, for Mortgage assistance. After being denied due to lack of documentation, which we provided, we reapplied again. XX/XX/XXXX we were finally made an offer by US Bank. The offer stated our monthly mortgage payment would {$3500.00}, on a 3 month trial basis. This is {$500.00} MORE than our original monthly mortgage. Numerous telephone conversations with US Bank Representative XXXX XXXX XXXX and various other US Bank Representatives at Bank were had. Below are just a few examples of conversations we had. Unfortunately, we did not document dates and times. However, according to US Bank, all calls are being recorded, therefore all conversations should be document with US Bank. During conversations with US Bank, we were always informed that all missed payments would be applied to the back end of our loan. One conversation, a representative stated that the new offer was at 4.5 % interest rate at which time we questioned because our current loan is at a 3.5 % interest rate, the man backtracked his comment at which time, we felt US Bank failed to disclose terms of trail plan offer. We asked for documentation showing a breakdown of what the {$3500.00} consisted of. We were told they could not do that. We asked for a more detailed agreement than the XXXX page document they provided. Again, we were told they could not do that. They expected us to sign an agreement which had no details other than an amount We discussed the situation with our loan broker and he also stated missed payments under forbearance should go to the end of a loan. He also stated that when applying for Mortgage Assistance Plan, the monthly payment should go down, not up. Also, discussed with XXXX XXXX XXXX regarding the missed payments and they also stated the missed payments should be applied to the end of our loan. We responded, in writing on XX/XX/XXXX, to US Banks letter, prior to their deadline provided, stating that we declined to accept their trial plan offer of {$3500.00} and we would resume paying our original monthly mortgage, starting XX/XX/XXXX, based on our original loan agreement of {$3000.00}. No further documentation or phone calls were received from US Bank after we sent our declination letter. On XX/XX/XXXX we tried to pay our mortgage on US Banks website. Their website would lot allow us to pay less than the {$3500.00}, which we did not accept. When we called US Bank to discuss further, we were told that there must have been some confusion because we missed 22 months of payments and we needed to make that up. After several minutes of discussion regarding the situation, the representative hung up on us. We made a payment of {$3100.00} through our bank account to US Bank using bill pay on XX/XX/XXXX. Attached are the following documents The offer letter received from US Bank dated XX/XX/XXXX Our declination letter declining their trial plan offer dated XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX US Bank National Association has committed and is solely responsible for multiple violations of the FDCPA. Attached is material documentation to support my statements below : 1 ) I have no contractual agreement or loan account with US Bank 2 ) I owe US Bank no monies. 3 ) US Bank paid " no value '' for anything they presume legal rights to claim that I am in possession. 3 ) From XX/XX/XXXX to XX/XX/XXXX US Bank has sent, by USPS, documents/communications directly to me misrepresenting a " debt '', offers to modify that debt, then consistently " XXXX '' me when I respond to their offers. 4 ) In XX/XX/XXXX, I was informed by a US Bank representative via telephone that the " account is closed '' when I called about technical difficulties that occurred for several days when I tried look up the account online. 5 ) 60 Days allotted to US Bank to respond to any complaints they receive from me is NOT acceptable and is another stonewalling tactic on US Bank 's part to plan another " escape '' from answering these direct allegations. US Bank National Association 's repeated Violations of the FDCPA 1 ) Attempts to seize property for a non-existent debt 2 ) Attempts to collect debt not owed by material misrepresentations 3 ) Attempts to seize property to steal the equity therein 4 ) Contempt of Court by failure to obey a XXXX Federal Court Order for a Mortgage Modification Mediation to validate the debt and modify it. 5 ) Violation of XXXX XXXX Bankruptcy XXXX in XX/XX/XXXX. In XX/XX/XXXX, US Bank allowed employees attorneys of a law firm to file a personal injury lawsuit to collect foor a " non-existent '' loss for a bankruptcy XXXX non-existent debt. 6 ) Written notification about debt - I have bbeen disputing this in writing since XX/XX/XXXX. 7 ) False statements or representation ( trying to collect any amount ) 8 ) Took negative action by legal action abusing State Court Judicial officers and procedures. 9 ) Threatened t seize property by getting a State Court Judge to set a sale date of my property for XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Several months ago I opened a new auto loan with Bank XXXX XXXX, and paid off my auto loan with US Bank. Since then I have contacted US Bank XXXX times and spent several hours on the phone with them to obtain the title to be sent to Bank XXXX XXXX, or a letter reflecting the lien release that I could take to the XXXX. On each occasion they have stated that they have mailed the title to me and would provide a lien release letter. I have not received either, and have continued to contact them in an attempt to have the matter escalated. I have even gotten Bank XXXX XXXX on the phone with US Bank, and reached out to the XXXX for assistance. No one can locate the title and every time I am told an associate at US Bank is escalating the issue or overnighting the lien release letter to me, nothing happens. Attached are the screen shots that US Bank provided as proof that they are working on this, but have not concluded the matter. I have been attempting to resolve for approximately XXXX months, and Bank XXXX XXXX will close my loan if I can not provide them with a title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A