Date Received: 2022-03-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was issued a credit balance refund check in the amount of {$7900.00} on XX/XX/2022 which I had lost and had called the bank to issue a stop-payment and reissue, which the bank sent me a letter stating they had done so. Now the bank is claiming the check was cashed and they can not issue me a new one when they had sent me a letter confirming the stop and reissue and a new check was sent to the address on file ( which I still have not received ). Also my account was closed for no reason at all and I want my account re-opened if possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have an auto loan with US Bank. In 2019 I filed for bankruptcy and re-affirmed the loan. When the bankruptcy was complete in XX/XX/2019 US Bank stopped reporting to any of the XXXX XXXX XXXX. I am trying to refinance this loan to reduce payments and I can not because nothing is showing that I even have an auto loan. I need a way to show that I have been making all of my payments on time and I am in good standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the U.S. Bank Cash + card in XXXX through online ( social media ) acquisition channel. There was a claim of 0 % APR intro promo for 15 billing cycles on purchases. I have double checked the disclosure before I applied, but when I received the card this promo was not reflected on my account. I have contacted U.S. Bank representatives multiple times, and they always promised that if I fax in the paperwork they would fix my APR on my account. But after I have faxed the disclosure and the advertisement I was presented through the acquisition channel ( once in XXXX, the second time in XXXX ), they still telling me that they need a proof of " targeted offer with my name, offer details '' before processing my request. I have told them that this is a public available offer, and since I was also targeted through XXXX ( social media ), hence I was not a targeted via direct mail, and I don't have the letter with name and promo information. The promo is still currently running with the exact terms. I appreciate your time helping me investigate into this situation, and I can fax in the promo detail I downloaded once I have a case number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Incorrect exchange rate
Subissue:
Consumer Complaint: On XX/XX/2022 we received a transfer of XXXX ( british pounds ) into our checking account at U.S. Bank. The transfer arrived between XXXX and XXXX Central time. The exchange rate from pounds to dollars on XX/XX/XXXX had a high of 1.3418 and a low of 1.3318. So we should have received between {$130000.00} and {$130000.00}. We received {$120000.00} or an exchange rate of about 1.2960. In our view, depending on the rate at actual exchange we are {$3500.00} to {$4500.00} short on this transaction. So this equals a 2 % -3 % fee on top of the {$25.00} transaction fee that U.S. Bank charged us for this terrible exchange rate. I called the bank to complain and I was told that " the rates you see on financial websites aren't what you receive, those are what banks receive ''. I told this person that was not true as I exchange currency at other banks and venues within a few basis points of the exchange rate regularly. So they then explained that they don't actually exchange the currency, they use an intermediary bank and there is nothing that can be done. I submitted a complaint to the bank on XXXX via their website and someone responded on XXXX to say she would forward the complaint to the appropriate person but there was not guarantee I would receive a response and I never have. This exchange rate is borderline criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had a bank account with U.S. bank. I was receiving many letters from all different states ( which led me to believe they were fake ) usually things like this have 1 main location they send from. So I ignored them being as they requested I call & provide updated information they needed. I let it go thinking it was a scam. Well my account got shut down. I called the bank when everything stopped working & I no longer had a mobile account. The first time they said " we don't know there's no notes here, well call back ''. Second time a week later they didn't call back. I called back, same thing. Third time, a 'bank XXXX '? Was in & said " we can't say, call our fraud department ''. I called them, they said " we don't know either, call this number ( some sort of internal department ). They said ALSO " ya we don't know but whoever it was just doesn't wan na continue our baking relationship ever again ''. WHAT DO I DO?! I thought I couldn't open any accounts. So I went a year without a bank which makes paying bills difficult. Luckily I was able to make about one with a new banner, but wow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was informed by my financial advisor that a good strategy to pay down my high interest credit card was to apply for a cash balance transfer card. I applied for a cash balance transfer with XXXX XXXX and was denied. She suggested I research some credit unions which might be able to supply me with a cash balance transfer so I googled some on XXXX and applied for three credit cards, all credit cards happened to be serviced by Elan Financial Services. The options available local to me were not as good as they were with the three other accounts I applied for ( XXXX, XXXX and XXXX ). Those three cards had the terms that would be best for my personal situation so I applied for them. I received mail that my application was denied, I called XXXX and was accused of fraudulently using a third patty broker to apply for my cards before I had a chance to provide authentication information. I asked to speak to the supervisor, who directed me to fax over additional documentation to prove my identity. I faxed my SSN, passport, Lease and bank statements. I didnt hear back for a few days so I called back on XXXX I was informed my documentation is illegible so I was told to email the documentation over. I emailed it over and didnt hear back, so I called on XX/XX/XXXX. On XX/XX/XXXX, I was informed by an XXXX representative that my application was approved and that I would receive additional information in the mail. On XX/XX/XXXX, I received mail from XXXX again stating they could not process my account because they were unable to verify my information. The letter was dated XX/XX/XXXX, the day after I was told my application was approved. When I called on XX/XX/XXXX, I was spoken very rudely to by the representative who first told me I shouldnt have emailed my information, which made me worry that my personal and confidential information was in the wrong hands. When I asked for information on why I was denied, she started to chastise me about submitting three applications for different credit unions. When I asked to speak to a Supervisor, she said the outcome will be the same and that she is unable to provide me with more information. When I spoke with the supervisor, I asked what about my application wasnt able to validate my identity when I sent my lease, SSN and passport, he said he wasnt allowed to clarify for me. I asked if thats the case as per their internal policies that they can, he said it is. I told him it was unfair that I was initially told that I was approved and then the representative lied, he said that they are allowed to renege on a decision, I asked if that was legal and he said it was. I elaborated my situation and that I was desperate for this cash balance transfer card and he said that the conversation wasnt going anywhere and hung up on me. I understand the risk flags were waved for my application, but my identity authentication information along with my bank statements were all authentic. They did not want to establish credit for me and I feel it was race motivated. I was spoken to extremely rudely when I was trying my best to be polite.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: US Bank closed my account last year in XXXX with XXXX dollars they did not tell me a reason and my branch told me to wait for some days to receive my funds but until I have not received. I tried to contact the branch I have been told that they have no answer. I need your help please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Two prepaid gift cards were fraudulently charged in XX/XX/XXXX. We had physical possession of the cards the entire time, so whoever charged them did so without having the cards. The cards were charged for almost all of their balances in California ; we live in Utah and have not been to California in many years nor do we know anyone there. Many attempts were made to contact the card issuer and to report the fraud in order to get our money back, and only one attempt was partially successful. On XXXX XX/XX/XXXX, XXXX attempts were made to call the company. The first attempt at XXXX resulted in an agent picking up after about XXXX minutes and promptly hanging up on my wife after claiming that they couldn't hear my wife. The other two attempts did not let my wife through the phone tree. On XXXX XX/XX/XXXX, my wife attempted to call again ( at XXXX ) and was again hung up on after explaining the situation. On XXXX XX/XX/XXXX, my wife called twice. After starting a call at XXXX, she was hung up on by a phone agent who refused to talk to her because they claimed her name had to be on the card but it wasn't. She explained she was reporting fraud and had never registered the card with the company but they refused by claiming that they still didn't have to do anything. They hung up on her during the few seconds she spent trying to find me to help. At XXXX, she called again, and this time the agent that answered was willing to file a claim with one of the cards ( but only after more hassle from my wife ) but was unwilling to file a claim for the second card. She repeated what the previous agent had said : that it wasn't under my wife 's name or mine and as a result the card company would not let her file a fraud claim. She transferred my wife to an other agent who finally processed one of the claims but again refused to process the other. We still have not heard back about that claim despite it being three weeks. On XXXX XX/XX/XXXX, my wife called one final time during the XXXX window that federal law allows for fraud reporting. After starting the call at XXXX, she was told by the agent that she would not file the claim that had been ignored several times before. My wife proffered information from the time of purchase at the agent 's request, but the agent still refused on the grounds that my wife didn't have a physical receipt ; she suggested that my wife go to the grocery store and demand a physical receipt from them even though the store would be closed by the time my wife could get there, the purchase was from XX/XX/XXXX, and the information my wife had provided was everything that would be found on the receipt save for the time that the purchase occurred. The card company has also restricted online access to the card statements now, but I have copies of the fraudulent charges that I had noted as of XXXX XX/XX/XXXX. The card numbers are XXXX and XXXX. The first card ( ending in XXXX ) is the one that we have not heard word for in almost a month and the second card ( ending in XXXX ) is the one that the agents refused to submit a claim for. The card ending in XXXX had several fraudulent charges and the card ending in XXXX had one made at the same XXXX the first one was fraudulently used at. A spreadsheet containing this information has been attached, as have photos of phone logs and the credit card statement containing the date that the cards were purchased, as well as the total purchase amount and the store location. As a final note, one of the cards had a small amount of money left on it after the fraudulent usage that we were afraid to purchase with. The card company cancelled both of the cards, apparently, so we lost those remaining funds as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84057
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A