Date Received: 2022-06-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have recently opened a business credit card with US Bank. Since receiving this credit card, that is linked to me personally and also to our work account I have received numerous fraudulent emails on new accounts being opened and money being transferred. I have been in contact with US Bank numerous times from XXXX XX/XX/22 through today, XXXX XX/XX/22. US Bank has not been able to provide any resolution and do not I feel they are keeping my information safe and the attempted fraud is continuing. Please see the attached documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I submitted payment through my online banking through Fulton Bank, through which this credit card is cobranded. Fulton Bank submits those funds electronically Via ACH and was received by XXXX on the same day. My credit card record shows that over {$800.00} was posted on 6-10 by XXXX however as of today, 7 days later, I am being turned down when I try to use my card and XXXX representative is trying to tell me there is a hold on those funds. It seems it would not be lawful for them to place a 7+ day hold on funds that were delivered electronically. I have never experienced this issue in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I received a text from US Bank Security notifiying me of 4 transactions and asked if I recognized them. I said no. They then said that the bank would call me shortly. During my phone call they asked me if I had been in another state the night before. I said no. They then said that inorder to protect me I had to send my remaining balance to XXXX and then it will be automaticaly refunded within 24 hours. I sent {$1200.00} to Dispute One on XXXX. I realized the following day after calling the US Bank Security team that it was a scam. I immediately headed to the bank and filed a fraud complaint. The bank manager assured me that my money was insured and would be returned. On XX/XX/XXXX I received a letter from the bank that said they will not refund my money. It turns out that the hackers had gotten a hold of an old debit card that had never been removed from my account from the prvious year. I feel like the bank was responsible for not removing that card from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: i did not open this account and would like it removed asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I enrolled in the US BANK forbearance program XXXX of XXXX due to the corona virus pandemic. My work depends on XXXX XXXX done at our local hospitals. At this time the hospitals were handling virus patients and my income was significantly reduced. This went on and off until the end XX/XX/XXXX, at which time my forbearance ended and I was able to start paying my mortgage again. I had been told numerous times throughout the forbearance period that all payments would be put on the back end of the loan. However, I was asked to submit profit loss statements, bank statements, explanation letters, tax records etc. to the loss mitigation division. The first attempt was denied and I was offered A short sale. I was given the opportunity to appeal which I did and was denied again and offered a short sale. I was then told I was applying for the wrong program I was told I needed to apply for COVID 19 long term. I went through the application process for this program which took a few months. Again I was denied and offered a short sale. This process took from XX/XX/XXXX till XX/XX/XXXX. During this period I was able to make payments but was told no payments were acceptable during application process. On the denial letter one of the reasons said I was behind on payments from XXXX till XXXX. It also stated I SAID I wasn't able to make payments which I stated in letters I was able. Another denial reason said they could not find an affordable payment plan for me. I was never given an option on any payment plan. Another reason saying I was in Loss mitigation before, which I was years ago for different reasons. Why let me in this forbearance program if being in it before disqualifies you for another one. So, now after the forbearance from beginning XXXX till end of XXXX now they are saying I am 764 days delinquent and have to pay {$52000.00} to avoid foreclosure or do a short sale. I am left with my only option of XXXX bankruptcy. I really don't want to go down this road especially when I can afford payments. I will still be making payments under XXXX XXXX and hang on to house with 7 years of bad credit. It seems unfair that after proving with bank statements that my income could afford repayment if deferred to back end of loan. IT IS IMPORTANT TO NOTE THEY WOULD NOT TAKE MY MORTGAGE PAYMENT DURING THE APPLICATION PROCESS WHICH LASTED 6 MONTHS. NOW THEY SAY I WAS BEHIND ON PAYMENTS WAS A REASON FOR NOT DEFERRING PAYMENTS..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Made payments to two of my XXXX XXXX cards, received confirmation of payment from one of my US Bank accounts, some of my XXXX XXXX XXXX Cards, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My children were given XXXX gift cards over the course of a year from the US Bank National Association ( XXXX ). The cards would never work at any place of business either in person or online. When I contacted them on XX/XX/2022, I was told that cards sold through Indiana XXXX stores had been compromised so the company had canceled them but still allowed money to be loaded onto them and sold. A supervisor took all the card numbers and said I would be issued replacement cards and the replacement card fees would be waived. When I received the XXXX replacement cards, all of them had the {$5.00} replacement fee taken off of them. I called and was told to wait 10 business days and the money would be refunded. After 12 business days I called because the money was not put back on the cards yet and was told I would just have to wait. No time frame was given and I wasn't allowed to speak with a supervisor. In total I have spent over 2 1/2 hours on the phone dealing with this. It is ridiculous that a company would continue to sell cards that have been canceled and are now charging their service fee twice essentially. I would like to receive my {$29.00} that was taken out in fees that never should have been charged. Card numbers : XXXX, XXXX, XXXX, XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47403
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for the U.S. Bank Altitude Connect credit card on XX/XX/22 through usbank.com and was approved same day for the product. The assigned credit line was {$500.00} which would not realistically allow me to take qualify for the associated acquisition offer of 50,000 bonus points after spending {$2000.00} in the first 120 days follow account opening. I called the instructed phone number on the application approval page XXXX during operating hours on XX/XX/22. The agent told me that I would need to call back later in the morning to talk with the underwriting department. I called XXXX back during the underwriting department operating hours and was transferred four times before being told by the underwriting agent that my application would normally warrant a higher credit line, but I probably have too many unused lines of credit open at other financial institutions. When I asked to close the account, she hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized credit inquiry. Fraud..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was charged a {$35.00} fee by US Bank to stop a bill that I had used an auto payment feature to pay with. I began using the feature believing it was a free bill automation tool, not any kind of paid service. I have not brought it up with US Bank for fear of retaliation. I also am unable to attach evidence of the charge of the fee because the app does not allow screenshots to be taken of the charge screen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A