Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: I received unsolicited checks in the mail from US Bank, in spite of the fact that I specifically enrolled in paperless documents and statements. THIS IS AN OPEN INVITATION TO IDENTITY THEFT AND/OR CHECK FRAUD! I tried to stop these promotional mailings using the US Bank website and their phone app, and there is no way to do so. I am unable to get a response from their support, since they do not provide any way to contact them except by phone or in person and I do not have that much time to waste. IF THEY REFUSE TO STOP THESE DANGEROUS MAILINGS I WANT TO CLOSE MY ACCOUNT, BUT THEY DO NOT PROVIDE A WAY TO DO THAT EITHER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60565
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: i received a call from my bank stating that someone deposited a check via mobile deposit that was not made from me nor my device i told them i do not share my information and she said she was closing my bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was granted a divorce from XXXX XXXX on XX/XX/2024. The divorce decree CLEARLY states that i am not responsible for ANY premarital debt. I submitted a copy of the decree and a letter asking all debt be removed from my credit report. I jabe also filed online disputes wirh the decree documents attached. My disputes are being rejected from the XXXX, USBANK for a credit line that was CHARGED OFF for {$7500.00} approximately. This charge off should not be appearing on my credit report any longer according to the XXXX XXXX XXXX XXXX. All notations of this account should be removed from ALL 3 credit reporting agencies, yet they are ignoring the court order to hold XXXX XXXX solely responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from the bank US NATIONAL BANK ASSOCIATE. The bank did the investigation on the account and found that it was fraudulent. So the debt collector still refuses to remove the account from my credit report. The bank is where the fraudulent account is from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX XXXX XXXX. Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from XXXX XXXX number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXXXXXX XXXX 2024 my checking account became overdrawn. US Bank then issued an alert on XXXX XXXX, 2024 stating that I needed to deposit a specified amount by XXXX XX/XX/2024 to be eligible to have the {$100.00} in overdraft fees waived ( XXXX {$36.00} fees ). I made the deposit prior to the specified deadline only to discover on the morning of XXXX XXXX, 2024 that there was apparently another payment draft taken out of my account ( {$10.00} ) and the bank reapplied the XXXX {$36.00} overdraft fees and an additional overdraft fee for the attempted draft. I was told that, though I met the deadline and fulfilled the specified deposit amount ( the bank gives you until XXXX the following day to deposit an amount that they specify to have fees waived ), they chose to reapply the fees. I explained to the representative that If the additional bank draft was attempted XX/XX/XXXX, how could it be included/lumped into the XX/XX/XXXX overdrafts? I requested the overdraft fees be waived and was told that that would not be possible. I then requested to speak with a supervisor. Once I reached the supervisor, he agreed to refund only 3 of the 4 {$36.00} overdraft fees. I voiced that this is unethical due to the fact that the standard next day by XXXX deadline should have applied to the XXXX XXXX draft for which I would be able to cover on XX/XX/XXXX. My request for the additional overdraft fee to be refunded was denied. I am requesting the opportunity to cover the {$10.00} draft and have the {$36.00} overdraft fee associated with it refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In reference to previously closed complaint XXXX. I appreciate your prompt response to my recent inquiries with the Consumer Financial Protection Bureau ( CFPB ) concerning my US Bank account. While I am thankful for the opportunity to engage in this dialogue, certain concerns persist and require additional clarification. Acknowledging the Notice Concerning the Furnishing of Negative Information to Consumer Reporting Agency signed on XX/XX/XXXX, I must reiterate that my subsequent communication on XX/XX/XXXX, explicitly exercised my right to opt out, citing both 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) and 15 U.S. Code 6802 ( b ). This action revokes any prior authorization for the reporting of my personal non-public information to credit reporting agencies, rendering the continued reporting illegal. It is crucial to emphasize, as outlined in my original complaint, that the reporting of transactional history without proper authorization is excluded and deemed illegal under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). My opt-out request aligns with the Fair Credit Reporting Act ( FCRA ) provisions, and strict adherence is required, as supported by 15 U.S. Code 1681s2 ( A ) ( 1 ) A. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. The account in question constitutes an adverse item being reported without my permission, which is a violation of the law. In addition to the cessation of reporting, I reiterate my request for compensation in line with my initial demands. For each occurrence of reporting since the inception of my account, I am requesting {$1000.00}, along with {$25000.00} for pain and suffering and embarrassment arising from the unauthorized reporting. Moreover, the portrayal of different and inaccurate information by reporting agencies violates the accuracy requirements outlined in the FCRA. I demand an immediate halt to reporting on all credit reporting agencies, incorporating the opt-out rights stipulated in 15 U.S. Code 6802 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ), and 12 CFR 1016.7. I want to bring your attention once again to the inclusion of non-mailable addresses and non-callable phone numbers in the reported information. These inaccuracies must be promptly addressed, and such erroneous data should be removed. Once again, I am exercising my right to opt out, and I expect immediate action to remove all reporting, including transactional history, from all credit reporting agencies. Moreover, I wish to draw your attention to the Privacy Act of 1974, which governs the handling of personal information by federal agencies. While its direct application may not extend to private entities, the unauthorized reporting of my personal information not only violates the Fair Credit Reporting Act ( FCRA ) but also raises concerns regarding privacy rights. I urge your immediate attention to these matters and a comprehensive resolution in line with both the FCRA and the Privacy Act of 1974. Your thorough review of my original communication and the relevant legal provisions cited therein, including 15 U.S. Code 6802 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ), and 12 CFR 1016.7, is crucial. Immediate corrective action is imperative to address my compensation demands, cease the reporting of any information to all credit reporting agencies, and rectify inaccuracies in the reported data. Considering the potential consequences of ignoring these requests, I must express my commitment to pursuing further investigation into the information transfer process as well as the illegal trading of my securities. Should these concerns persist, I am prepared to report US Bank to the Securities and Exchange Commission ( SEC ) for potential securities fraud and request a financial audit of things related to my account. I appreciate your prompt attention to this matter and anticipate a swift and comprehensive resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I called US Bank XXXX XXXX customer service on XX/XX/2024, XXXX EST about a rewards question on my US Bank XXXX XXXX credit card. I noticed that after XX/XX/2024, all my XXXX Pay transactions only got 1X points, instead of 3X as shown on their card benefits. The guy who picked up the call was extremely rude insulted me for not understanding English and asked if I needed a translator ; he was even happy with me bringing this case up. Clearly, US Bank is not only messing up with its reward program, but also discriminating against minority groups.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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: I HAVE ASKED THE COMPANY MULTIPLE TIMES TO TAKE THIS OFF MY CREDIT I HAVE DISPUTED A XXXX TIMES. THEY SENT A CARD TO MY OLD ADDRESS AND SOMEONE MAXED IT OUT THEY TOLD ME THEY WOULD TAKE EVERYTHING OFF AND SEND OUT A NEW CARD. THEY SENT ME OUT A NEW CARD BUT PUT ALL THE CHARGES BACK THE NEXT DAY SOON AS IT WAS ACTIVED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Us bank is reporting an account opened in XX/XX/22. It is not my account. They said it associated XXXX XXXX XXXX XXXX credit card which Ive never had any credit cards with XXXXXXXX XXXX Numerous attempts requesting proof have been sent to credit bureaus and the companies involved. This account is a result of identity theft. Numerous ftc reports have been made
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A