Date Received: 2024-03-03
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK consolidated inquiry date XXXX XXXX XXXX
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: 2024-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX US BANK FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH US BANK FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, US BANK HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX BANK REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. US BANK Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX US BANK Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX US BANK Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. I have Attach a FTC Report for your records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Around XXXX XXXX XXXX I opened a new US bank smartly checking account I then deposited XXXX of my paychecks into the account I may have deposited XXXX however my account balance was about {$1200.00} about XXXX days later I went to the ATM to withdraw some of my money and my XXXX card was declined so I called the bank and they said they were closing my account due to a identity verification and that I would have to wait XXXX days to receive my money back out of the account so I waited almost XXXX months I called again and they told me to go into the physical bank location and I would be able to receive my money when I got there the lady told me that due to the fraud department for US bank doing an investigation I can't receive my money and told me that there was nothing I can do about it and that I just had to wait until the investigation was over and this type of thing can last 6 months so here I am a year later and I am still trying to get my money because I am not rich and I need it to get by day to day and the bank told me that the money was removed from the account and they have no more information on the money and I never got an explanation or anything please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Since this company took over management of my credit Union 's credit card about 2 years ago, I've had four separate incidents of fraud occurring on my cards. Most recently as of XXXX of last year, I submitted another fraud claim for the same thing that has already occurred several other times. Every other time I had a fraud claim the card would be canceled immediately and I would be sent a new card while the claim was being worked on. This time after speaking with the representative, a fraud investigator closed my account for good with no notification to me whatsoever. I sought to appeal the ruling and was told by several different people that I wasn't privy to the information. They would give me zero contact information for anybody when I asked to escalate this to leadership saying that the only way that it could be escalated was to mail in a paper letter with the facts of the situation, which I did two office of the president. I did so, waited another 30 days, and received no notification of their decision as to why My card was closed. There eroneous decision- which no one has taken accountability for on any of the more than 60 phone calls ( not an exaggeration ) I've made to them over the past 4 months- has negatively impacted my credit score, and my ability to refi my home. Further, I also feel as though this is a deceptive business practice as the credit card that I had with my original credit Union had a 9.9 % interest rate. When XXXX took over the card, It went up to 15.99 %. And, when I inquired as to what I can do to reopen my card they said I would have to reapply and the interest rate would be north of 25.99 %. I believe based on the limited information I've gotten, along with the runaround and complete incompetence of the individuals that I tried to work with amicably to resolve this matter but received no reciprocation from, that this was very intentional. By canceling my card. I now have to more than double my interest rate in order to get a new one with their ( XXXX ) organization. They did not originate my credit line, which means that they are probably splitting the interest with XXXX XXXX XXXX XXXX, the original creditor. If I reapply for a new card they would subsequently cut out XXXX XXXX XXXX XXXX and take all the more than 100 % increase in interest rate for themselves. I tried to contact the leadership of this organization several times via email via phone and other means to which I got no response and no callbacks. I was hung up on several times when trying to inquire about this and was told at one point that " there is no more escalation I would have to deal with it on my own '', and, 'it wasn't their problem '. I'm not one to complain - because typically I get very good customer service from the organizations I do business with. I pay my bills on time including this one and I've never had a late payment in my life. I have this credit card for more than 10 years with not one late payment and because of their business practices my account was compromised then I'm being punished for that. I'm happy to show any additional documentation that might be needed should the investigation take place. I have everything documented. Further, I was told several times that every call was recorded that I had with them, but when I asked for a review of the calls. I was told There was 'no way to request that from a manager and that is none of my business what they had on their recordings '. I have made every attempt to resolve this amicably with this organization and was treated horribly. I now have to deal with the consequences of their short-sighted and erroneous decision to close an account of somebody whos done business with their client for more than 10 years. I hope to deter anyone, including new credit union or banking clients from doing business with these people as they have absolutely no protocol for dealing with escalations and as you can read above, they are grossly incompetent at providing customer service and operating in a reasonable capacity with their customers. Lastly, I made a phone call with a representative from my credit Union, The original creditor for my account and their client - after sitting on hold for more than 2 hours, being transferred six separate times, we were ultimately hung up on by a manager. The credit union is escalating this on their end as well, which I appreciate. But I would strongly discourage anybody from doing business with this organization in the future because if something goes sideways they take absolutely no accountability for it, and you will suffer the consequences for their incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received the promotion email from U.S. Bank on XX/XX/XXXX to earn up to {$500.00} bonus when I open a new checking account. I opened a new U.S. Bank Smartly Checking account on XX/XX/XXXX, used the promo code and completed qualifying activities. I didn't receive the bonus by XX/XX/XXXX. I called US bank and asked about promotion and bonus to a representative. She answered after long time checking situation that I am not qualified to receive the {$500.00} bonus because I applied my email promotion instead of mail promotion. I asked manager to talk. She said manager XXXX will call me but no one called. Felt that explanation was not enough, not accurate. Felt not trustworthy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a hard inquiry that does not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a late payment reflected, which I do not agree with, the information is inaccurate. ccount info Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Open. Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment {$480.00} as of XX/XX/XXXX Monthly payment {$440.00} Credit limit {$16000.00} Highest balance {$16000.00} Terms -
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: We were given a boat loan through USBank with the XXXX where we purchased our boat in XXXX of XXXX. The original boat loan was in the amount of {$82000.00}. In XXXX of XXXX I called US bank and inquired why I didnt not see a normal reduction in our loan amount despite making regular monthly payments and additional payments towards the principal. I was also told that we are billed daily interest rates on the original amount. Which means some months the interest rates are higher based on the number of days in a month and when our payment was received by them regardless if the due date fell on a day they were not open ( weekends ). I was told that ; XXXX. The interest rate does not decrease even if the amount of the loan is reduced. I was told that we will continue to interest rates based on the original loan despite the balance. XXXX. I was told that extra payments are not applied to the principal unless the payment is made with the original scheduled loan payment. Starting XXXX of XXXX I was making a lump payment of {$600.00} per month. An additional $ XXXX dollars a month to be applied to principal only. This is not happening. Since the start of our loan of {$82000.00} we have only paid off {$7400.00}. We current still have a balance of XXXX despite making total payments in the amount of XXXX. Something is not right. This feels totally corrupt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX The Department of Public Safety identified fraudulent activity that resulted in my driver 's license card being sent to a remote location in Oklahoma by an unauthorized party without requiring audit numbers ( XXXX. ). The notification letter was then sent to the affected individuals. The following criminal investigation has identified the group as a " XXXX crime organization '' that operates trans-nationally. XXXX XX/XX/XXXX A New credit card was opened at the U.S. Bank National Association without authorization . The fraudulent address used to issue a credit card is believed to be XXXX XXXX XXXX XXXX, IL XXXX. Fraudulent phone numbers ( XXXX XXXX XXXXXXXX ) and security questions ( For instance, the perpetrator did not know my mother 's maiden name ) were used. XX/XX/XXXX A U.S. Bank National Association checking account was opened without my authorization with a minimal deposit. According to the credit report, the perpetrators made minimal monthly payments from XXXX to XXXX. XX/XX/XXXX - XX/XX/XXXX The credit line was then increased to $ XXXX and maxed out at {$9400.00}. I have never resided in or visited the state of Illinois or any other place in those transactions. I am also attaching my other credit card expenditures during this timeline, for which my wife is an authorized user, in hope to provide information about our locations and spending patterns. Please see XXXX. In addition, my wife and I were both full-time students in the middle of sub-internships at a local culinary school and medical school during this timeline, which would make these purchases in other states improbable and unreasonable. These institutions will provide you with evidence of attendance during this timeline. XXXX XX/XX/XXXX Texas DPS at XXXX issued a corrective measure to the affected driver 's license. I was first informed about the security breach and was told that about XXXX individuals were affected. This was also the first instance that I noticed a significant change in my credit score. The U.S. bank started its investigation on XX/XX/XXXX ( Ref. XXXX ). The incident was filed at the credit bureau on XX/XX/XXXX ( XXXX XXXX. XXXX ). A police report was filed to the XXXX XXXX XXXX XXXX police ( Case XXXX ). XX/XX/XXXX XXXX, the fraud investigator at U.S. bank, denies the fraud application claim for the following reason : Does NOT qualify as unauthorized thrid-party fraud. No correspondence from the fraud investigator since the submission of the fraud application. I have made multiple attempts to reach her by phone but was told that she had reached out once by calling the number that the perpetrator used ( with the area code XXXX ). No detailed explanation is given by phone or mail. No appeal process is explained by the fraud investigator or the US bank itself. XX/XX/XXXX U.S. Bank certified to XXXX while the checking account is fraudulent, but the issued credit card remains accurate despite them performed by the same perpetrator.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank put an unreasonable hold on a check I deposited, and then refused to provide me with a written justification for the hold, as required under 12 CFR 229. I deposited a check, payable to me and endorsed in ink by me, into a US Bank ATM located at the US Bank office in XXXX, California. The payable amount of the check was {$7500.00}, and was drawn on a US-based bank. When the deposit was made, I was not apprised that a hold, of any kind, would be placed on the check. The deposit of the check into the ATM took place on XX/XX/XXXX, a Saturday. On Tuesday, XX/XX/XXXX my online bank statement from US Bank showed the {$7500.00} deposit as COMPLETED. My checking account balance was shown to be roughly {$7100.00}, reflecting two small ATM withdrawls and about six debit card transactions, all made subsequent to the deposit of the check in the ATM. In addition to the above-listed legitimate debits from my checking account, my online statement showed a {$36.00} overdraft fee debit, despite my account history before, and subsequent to, the {$7500.00} deposit, never being negative. Also, on Tuesday, XX/XX/XXXX, I received an email from US Bank, alerting me that my account had a negative balance. The alleged negative balance did not appear on my online bank statement at that time, but an overdraft fee ( see above ) was shown as being deducted from my ( considerable ) checking account balance. On Tuesday, XX/XX/XXXX, I attempted to resolve the discrepancies with an employee at the US Bank office in XXXX ( where the check had been deposited the previous Saturday ). The US Bank employee stated that a hold had been placed on the {$7500.00} check, and that NO funds from that check would be available to me before Tuesday, XX/XX/XXXX. I was told that my checking account balance was overdrawn by over {$300.00}, due to the purchases made after depositing the check. When I asked the US Bank employee for the reason for the hold, I was told the check exceeded a certain amount, and was considered a " large deposit ''. The employee did not provide me with a written statement of the hold, its amount, its duration, and its justification. The employee did not inform me that a " large deposit '' can only be withheld for an amount in excess of {$5500.00}, such that {$5500.00} be available not later than XXXX business days after the date of a " large '' check 's deposit. On Friday, XX/XX/XXXX I returned to US Bank and spoke with the same employee, requesting a written statement regarding the ( continued ) hold on my {$7500.00} deposit. I asked the employee to release {$5500.00} to my account, in accordance with 12 CFR 229, e.g. exception for large deposit amount. The employee did not provide me with a written statement regarding the hold, and did not release {$5500.00} to my account. I showed the US Bank employee a document from the paying bank, showing that the {$7500.00} deposited check had cleared on XX/XX/XXXX ; at that time, the funds from the check were in the possession of US Bank. When I presented the document to the US Bank employee, it was dismissed as irrelevant to the situation. The US Bank employee then conferred, via telephone, for approximately XXXX XXXX with someone, whom I presume was an off-site a supervisor. At the end of that lengthy process, the US bank employee told me that ( 1 ) the hold on the funds would remain in force until XX/XX/XXXX ; ( 2 ) the US Bank employee would not be providing me with a written statement, of any kind, including the reason for withhold my funds ; and ( 3 ) US Bank would mail ( USPS ) me the requested written statement regarding the hold at an unspecified time in the future. My arrangement with US Bank is to receive NO mailed statements, and instead rely on online statements and email only ; US Bank 's XXXX notice of my allegedly negative checking account balance was sent to me via email ; the US Bank employee did not agree to have the written statement emailed to me. When I requested a verbal explanation for the ( continued ) hold on the check, the US Bank employee dissembled, and provided each of the following excuses, in turn : - my checking account balance was insufficient for the funds to be deposited therein - the check was " foreign '', and thus subject to exceptional handling and a hold - the check was " non-local '' and thus subject to exceptional handling and a hold - the check was drawn on a " small bank '', requiring exceptional handing and a hold - the check was from an insurance company, requiring exceptional handling and a hold - the ATM " didn't know '' how to deposit the check in my account with a small balance- the ATM rejected the check, and cancelled the deposit - the check required exceptional handling by a bank teller, resulting in a hold When I presented a Federal Reserve press release from XXXX, XXXX, with a circled region explaining that there was no such thing as a " non-local '' check among US-based banks, the employee threatened to call the police and have me arrested. US Bank was unreasonable in continuing to hold the funds on XX/XX/XXXX, despite being shown proof that the paying bank showed the funds as having been paid on XX/XX/XXXX. US Bank 's own records would also show the funds being in their possession. US Bank sought a negligible earned interest, or fractional reserve balance, benefit to itself, with a callous, sociopathic disregard for the inconvenience, irritation and physical distress the unjustified hold would create for me. As a result of US Bank 's actions, I was, and still am, deprived of life-saving medical care and medications that are not available to me due to a lack of available funds. My XXXX XXXX presents significant XXXX XXXX without treatment ; US Bank has increased that XXXX XXXX XXXX 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: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A