Date Received: 2022-07-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report. In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation. In accordance with the Fair Credit Reporting Act your agency has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a US Bank XXXX Credit card at XXXX. I enrolled their offer get XXXX points after I spend XXXX in 120 days. I finished their requirement at XXXX and I called their customer service to confirmed it. They said everything was met. just wait for next month statement to post the bonus. After next month statement I still not get any bonus yet. I called them again in XXXX. They still confirmed for me everything ok they will let manager to handle it. But after that I do received the letter said I am not met the XXXX requirement yet. so no bonus for me. I called them one more time. Now their supervisor XXXX is very rude, she changed the story said my XXXX card doesn't count to the requirement. So they won't give me bonus. What happened to the US bank. They just use tricky to treat customer like this? I use their bank a couple years. I am their loyalty customer. Now I felt very frustrating and unhappy for their customer service. I just be cheated. If they said I am not met their requirement on the beginning when I called them. I still has time to spend it. Not just wait for 2 months later to tell me about the result is no. I think maybe it is the way they can save the bonus to keep the money. This is unacceptable. I want them honor the XXXX bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to keep my home. On or about XX/XX/XXXX, US Bank National and/or employee attorneys working for US Bank National , fraudently portrayed themselves as my " listing agent '' and posted pictures of my home on XXXX offering it for a " cash '' sale buy through XXXX 4 days later I discovered this and I began contacting XXXX, sending them a copy of the Court filing and my attorney information confirming that my home is under Bankruptcy XXXX XXXX protection and letting them know I had no knowledge of or a business relationship with a listing agent, who had also posted the advertisement on XXXX and XXXX. XXXX legal dept responded to me with the attached correspondence, confirming that this action that violated a federal Bankruptcy injunction was taken by " individuals who claim ownership '' of a note or mortgage toy home. Since then, I have also obtained material evidence that US Bank obtained a second mortgage on my home in XXXX without my knowledge or authorization.
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: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please see the attached documentation, including the most recent letter that was sent to U.S. Bank on my behalf. U.S. Bank misrepresented to the CFPB that U.S. Bank was unable to locate a call or record of a payment being received pursuant to the XXXX XXXX XXXX XXXX. But U.S. Bank has received multiple copies of the affidavit of its own employee who witnessed me make my mortgage payment and also witnessed the mortgage dept represent to me that payment had been successfully made. I've also been informed by various U.S. Bank agents that U.S. Bank phone calls are recorded and therefore there should be a voice file as well as a call record for that particular date. U.S. Bank has repeatedly misaddressed correspondence to both myself and my representative and acted with deceit by stating to the CFPB that it could not reach myself or my attorney. U.S. Bank 's response to my first CFPB complaint is full of false statements. I am entitled to receive the same rate and terms for my mortgage that was in the XXXX offer sent to me in XX/XX/2021 and which I accepted. That XXXX should have never been revoked and I should not be disadvantaged because of U.S. Bank 's error in failing to process the payment when they expressly represented to me that this payment was made/processed successfully.
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: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage company granted me a 12 month forbearance, that ended XX/XX/XXXX. Throughout my forbearance I kept in contact with them. I was always told that when my forbearance ended, I would need to submit a Mortgage Assistance Application for further evaluation of my situation. I was led to believe that I would be able to possibly have my interest rate lowered or somehow have my payments lowered to be more affordable. My situation has not changed and when I got back the evaluation dated XX/XX/XXXX, they wanted to raise my interest rate, extend my mortgage, which of course raised my payment. I could not agree with those options, so I was told to submit another Mortgage Assistance Application. I faxed it XX/XX/XXXX. I got a letter, also dated XX/XX/XXXX, that pretty much kept bringing up the option of Short Sale. They indicated with a new application they could, again, review my expenses to determine affordability of a repayment plan. Never before had any correspondence asked me to submit my expenses to be considered. The applications requested income information. Had they considered my expenses, the review would have had a completely different outcome. I am unable to upload documents to send, I will need to fax them, if I can somehow get your fax number?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My US Bank secured Credit card where I had to put down {$300.00} deposit was closed XX/XX/15 I believe I was told by US bank that I have to wait a full month for my account to completely close out. I had noticed on my credit reports that they just updated the status information as closed account because I put in a notice to update the information. I made a payment on my account the same day I asked to close out my account I've had XXXX 3 times and I multiple times asked for relief. I have been charged late fees and interest charges back to back since I have closed out my account with them. I got my balance down from the reported amount of {$320.00} to {$220.00} expecting them to use my secure deposit of {$300.00} toward this balance. No instead they have charged late fees and interest charges honestly it is down right ridiculous now my account has racked back up to almost {$400.00}. I have asked to please remove the late fees already no they cant is what they told me. I have talked to a lot of employees that had no idea of what the policies are for secured cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Us Bank has pulled my credit without my permission. They have stated that the pull was requsted by US Bank Mobile app.I have continued to be discrimnaited against when going into braches and over the phone. US Bank have turned me away serval times during check cashing our check deposit process. They also has block my crad in the past to prevent me from getting money out the ATM. US bank failed to get my permission to pull credit and did not send me proper notice of such pulling. i have stated to them that i monitor my credit very close. On XX/XX/XXXX XXXX supervisor of us bank stated that i am eligilbe for a upgrade to a unsercured card but a had pull on my credit must be made. i explained to him a brach manager stated that since I am a customer and and hard pull was done when opeing the secured credit card than only a soft pull is needed. This will be my second complaint against the bank for unfair practices this is plan discrimination and due to other complaints that i hav filed aggainst the bank. i was told if i had problems with them and didnt like the service to go find another branch. they also have continued to do a soft pull on my credit report and not provide and explaination as to why. i have been outstanding and have made all payments on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received a phone call from u.s.banks stating I owed them money but I do not recall evefr opening an account with them before. I know I had lost my wallet at the time the account was opened but I had never opened one with them. I suspect someone has intentionally used my information to open an account in my name. In the Wallet I had lost both my drivers license and social security card was in that wallet ( at least I suspect my social security card was there because how else will they open an account if they didn't have the ssn number? )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/22 I called fraud services at US Bank to report unauthorized use of my visa debit card. A claim was established, replacement card was received, and provisional credit was received by XX/XX/22. On Monday XX/XX/22 I used my card for a coffee purchase and it worked. Went to the ATM at XXXX pm pst same day to pull out cash and the ATM message indicated the account was invalid. Went into the branch located in XXXX CA and was told they have no info to call the customer service number. Called the toll free customer service was hung up 2x during a transfer and was told my account was being closed and I would receive my account balance within 3-5 days via cashier check. Have not received anything to date. Called the Fraud Department who would not give me any information regarding the hold of my funds and was advised I would receive a notice in the mail. I called again and was told that my account has a back end department hold until the fraud claim has been resolved and they refused to tell me why other then in their own words " they can do what they want and do not have to advise me of anything ''. I was then told they may hold my funds for up to 90 days. I received a notice in the mail today XX/XX/22 dated XX/XX/22 stating they have elected to close my account, no explanation again as I was advised by a person it would indicate. The notice notes my funds would be released after al outstanding obligations are met and at that point I was receive my funds within 15 business days. I have no outstanding obligations. The bank is holding all my funds which exceed the provisional credit they applied to the account. In the mean time I have wen to another bank and am now dealing with late fees, late payments ect because i can not access {$5400.00} that is rightfully mine. Please also note that when I spoke to the fraud department and brought up my concerns with outstanding payments which include my mortgage I was assured it would be paid... it was not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I called US Bank collection department. I advised the agent I had been referred to XXXX by US Bank and needed to determine the amount owed to get the account removed from the system. I was advised roughly {$1900.00}. I was advised to visit the branch to determine next steps to getting the old account ( s ) removed so I would be eligible to open a traditional checking account. I visited the XXXX branch of US Bank that day, however, when I requested to speak to a branch manager I was asked to, and agreed to, make an appt. for Tuesday, XX/XX/XXXX. I later canceled that appt. I visited the branch on XX/XX/XXXX and again told the teller I needed to resolve an old account that had been referred to XXXX. The teller called the collection department and was advised approximately {$2400.00} to get the accounts ( checking/savings/cash advance ) removed from XXXX. The branch manager, XXXX, came by and confirmed the payment would remove the accounts from the system so I could open a new account. I left the bank and returned with the cash to pay the debt. I scheduled an appointment for XX/XX/XXXX for the manager to confirm the accounts had been removed and to discuss opening a new account. I believe US Bank misrepresented the status of these accounts and was deceptive in their collection. I stated multiple times, to several employees, that the whole purpose of my contacting them was to remove these accounts from XXXX. The answer to my request should have been " we are not able to fulfill your request because there are no US Bank accounts of yours in XXXX to be removed. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A