Date Received: 2022-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: THIS CRIMINAL COMPANY IS ENGAGED IN FRAUD, DISCRIMINATION - IN HARASSING WITH RESPECT TO MY CREDIT CARD. BILLS ARE PAID ON TIME. THEY DO NOT GIVE REWARD POINT. THEY HARASS NOT AUTHORIZING TRANSACTION ANY TIME. THEY ARE HARASSING ME ALL THE TIME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: US Bank approved me for a XXXX XXXX Visa card on XX/XX/2022 with a very low XXXX credit limit. I have a XXXX credit score and I need to escalate this to an executive customer service at US Bank XXXX Please increase my credit limit to a reasonable amount such as XXXX for a business credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank refused to cash any of the US Government XXXX XXXX Savings Bonds I tried to deposit in my checking account. They would not even look at them. When I said that I think they had to process them for deposit by law they said I was wrong. They said their bank 's policy was to not process any savings bonds at all because there is so much fraud involved. Like I say, they would not even let me show the bonds to them. They told me to try the Federal Reserve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60506
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On or around XX/XX/2022, my debt card was being denied. I called my bank to find that my bank had my account under review for closure and our funds were frozen ... We were never notified by the bank in anyway. Not knowing our funds were frozen, we previously submitted checks to pay bills a few days before I called the bank. As a result, we were charged return check fees on all of our checks by the merchant. We were not notified and had no knowledge that our payments would not be honored.. We should not be responsible for the returned check fees and US Bank should pay them. The bank told me " they do not pay merchant fees ''. Also. because of our " late '' payments, our excellent credit score is now deteriorated through no fault of our own.I called to inquire why our account was being closed, I was not given an answer... only saying 'it was under review '' We did not have a negative balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hi my name is XXXX XXXX. I deposited some winnings to my US Bank account from my XXXX account. Soon after, somebody had compromised my account and stole all of my money. My card was stolen from me and also my phone. Somebody was literally able to go in the branch and withdraw all of my money. I was crying so much because Ive never lost this much money before and I was so lost and did not know what to do. I quickly contacted my bank and told them of the fraud I discovered and was assured that I would get my money back. Once my claim was filed I received some documents via mail which a few representatives had advised me ; to fill out EVERY SINGLE DOCUMENT. So I did just that. It is now about to go on 2 months almost without my money and Ive been calling the bank constantly about it. So I call today for an update and he says I have some bad news I see you signed the indemnity agreement. I was like why is that bad news. He said well that holds the bank not responsible for future claims. Then I asked well what about the current claim. He said the current claim the bank still will pay but any future lawsuits you basically just waived your rights I feel like I was baited into signing this agreement because it is not clear and is purposely put at the end of all the documents that were sent to me. He did tell me though ; that my current claim was still in works but also to me that IF HE WERE ME HE WOULD HAVE NEVER SIGNED THE INDEMNITY AGREEMENT. So now I really feel bated into signing something that was not a clear document. At the end of the day $ XXXX XXXX dollars was stolen from me when I feel the bank could have done more to PROTECT ME. All I want is my money back and nothing else to do with US BANK because I have been treated so unfairly throughout this whole process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XXXX these two charges were processed on a US Bank credit card that I called and closed in XXXX of XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MA {$96.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX DE {$99.00} I have to assume that even though I asked for the card to be closed it was, in fact, not properly closed. Due to this belief, and because US Bank did not send me any statements to notify me that these charges existed, I was unaware of them until I received a letter from US Bank notifying me that the account was 30 days past due. Consider that for 8 months I believed this card was closed. I lived my life as if this card was out of the picture, obviously I was not attempting to log in and check on the balance and payment. Upon receipt of the letter, I called US Bank to pay off the card and, again, close the account. I also explained the situation, asking if US Bank could remove the 30 day late report. They said it was not something they had the ability to do and I would need to discuss with the credit bureaus. For the record, I don't believe that is accurate. I believe US Bank does have the ability to correct this issue. Nevertheless, I proceeded to challenge this 30 day late with all XXXX bureaus. XXXX just concluded their investigation and has not removed the 30 day late for the reason that " The company that reported the information has certified to XXXX that the information is accurate ''. That is an apathetic " investigation '' at best. I never claimed the information was not accurate. I am claiming that the charges should never have happened and that I had no idea they even existed because US Bank did not notify me of them. For those reasons I should not have a negative mark on my credit report. Again, this has occurred on a card that should be closed. My credit score is supposed to reflect my ability to use debt. In 25 years of history I have never had a single negative mark on my credit report. If you see my report you will notice that I paid every other debt leading up to XX/XX/XXXX, during the month of XXXX, and thereafter. This situation has nothing to do with my ability to responsibly use debt but rather has to do with a failure of US Bank to close my account as requested and subsequently failing to notify me that charges existed on this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83843
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: To Whom It May Concern, This letter serves as a formal request for a full refund on the product that I bought. I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. Gift cards can be tampered with at the store, she said, by crooks who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. " As soon as that card hits the cash register, they're pinged, '' XXXX said. The value of the card can end up being drained by an outsider, without ever leaving your hands. I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product. I attached the receipt that I got with the product as proof it was purchased from your company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: Thursday, XX/XX/XXXX Received a cashier 's check for {$1900.00} from a buyer of furniture I was selling on XXXX 's XXXX. I was suspicious of the check and attempted to call XXXX. They informed me they don't verify funds. Rather than do a mobile deposit, I drove to my local US Bank branch location. I shared the information with the tellers. They assured me the cashier 's check was legitimate and had the proper watermarks to indicate it was valid. They said it should post the following morning if, in fact, it was a legitimate cashier 's check. Friday, XX/XX/XXXX The deposit was posted to my account therefore from the information the tellers provided me the following day, I transferred via XXXX money to the buyer 's movers in the amount of {$1100.00}. Throughout the conversation with the buyer, I began to get an uneasy feeling and called the police. They advised me to file an internet crimes case with the FBI via XXXX and also file a police report. I did both and ceased any further money transactions with the individual. I advised the buyer he could provide an address for me to return the additional {$820.00} because I would no longer send any funds via electronic transfer. He began threatening me with physical harm so I blocked his number. Saturday, XX/XX/XXXX I phoned the fraud department of US Bank and advised them of the situation. They took down the information and said they would investigate. Tuesday, XX/XX/XXXX Received a letter from US Bank 's Digital Claim Services and was advised my claim was denied. Thursday, XX/XX/XXXX Phoned US Bank at XXXX to speak to the Fraud Department as to why my claim was being denied. The representative told me it was my fault I sent the money and there was no fraud since I initiated the money transfer from my own IPS address and had the proper login credentials to access the funds. I advised him that this was not in dispute if my transaction occurred. My fraud claim was based on the fact that the tellers at the branch location advised me the cashier 's check was legitimate and this information led me to process the money transfer of {$1100.00}. The agent then proceeded to tell me I was in the wrong for not correctly reading my terms of agreement when I opened the account and therefore there was no fraud. I asked to speak to a supervisor. He transferred my back into the phone tree system and my call was dropped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: This letter serves as a formal request for a full refund on the product that I bought. I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. Gift cards can be tampered with at the store, she said, by XXXX who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. " As soon as that card hits the cash register, they're pinged, '' XXXX said. The value of the card can end up being drained by an outsider, without ever leaving your hands. I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received notification that credit report changed, when I logged into my account it said I had 2 new hard inquiries one from Elan Financial and one from XXXX. I contacted XXXX and they told me a credit card was taken out in my name and they closed it and reported it as fraud. They then told me it came from XXXX and I needed to contact them to have the inquiry removed from my credit report. I have tried many times to call XXXX and I sent them an email. They never responded. I called Elan financial as well I was transferred 6 times was on hold for over an hour then was asked to leave a voicemail, 2 days later I received a voicemail back from them saying to call them back and stay on hold to talk to someone. I can't stay on hold for hours at a time I do work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A