Date Received: 2024-01-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/13 there was an authorized charge on my checking account that I immediately notified my bank. I was looking at the price of the tickets and decided not to buy them closed the computer and when my husband looked the tickets were purchased and neither of us processed the charge. I told the bank they gave a provision credit and then about a month later it was put back on. I went into the branch to see what happened and my banker XXXX XXXX XXXX from US Bank said that the fraud department sent me a form. I never received a form and this has happened before with a credit card charge that was fraudulent and the same department said they sent documentation and didn't. Since they said that this documentation was sent and I knew it wasn't I asked if they could fax or email the document and they said no. I asked them if they could send it to the banker at my branch they said no I asked if they would send it certified and they said no. Now I am trying to get this resolved because my account is now negative and I can't close the account out and my bank won't assist me in correcting the issue. If a bank can't protect your money from fraudulent activity then what do you do to keep your money safe especially since it is not recommended for you to keep your money in your home?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60047
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/XXXX there was an inquiry from US Bank, that showed up on my XXXX credit report that was not from me and needs to be removed. on XX/XX/XXXX there was another inquiry from Hickory point Bank on my XXXX report that was not from me and it needs to be removed. I have not used nor have I applied for any new line 's of credit I called both banks and they said I had to contact XXXX credit agency so I did any they told me to contact this agency to get the inquiries removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I removed my Auto Pay prior to the XXXX date that it was scheduled for. Therefore, I did not make a payment for XXXX. This is relevant because a web payment was made by the company taking money from my checking account in the amount of {$1000.00} on was initiated on XX/XX/XXXX for XX/XX/XXXX. Not only did they take the money without my authorization, they reactivated my auto pay option. I found this when I logged into my bank account this morning XX/XX/XXXX. They did not tell me they were going to do this. They did not have a court order to do this and they certainly did not have my permission to do this. I have removed my bank information from my profile and removed the auto pay option again. As proof of deactivating the autopay, no payment was made on XX/XX/XXXX for the XXXX payment. Previous months do have payments made on the XXXX of the month. I have inquired as to why they did this and was not given an answer. I would like my money back as I need it for living expenses. I can send screenshots of the transactions, but I need to know if you need just the transaction or the day 's transactions. The company is Elan Financial Services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a {$3000.00} cash deposit at XXXX on XX/XX/XXXX at the atm machine XXXX. The atm machine malfunctioned and then I received a receipt for the transaction which did not note the amount of the transaction and said " A machine error has occurred, and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number of the back of your card ''. I did contact US Bank and filed a dispute. However, the funds are not available and now my account is severely overdrawn and the bank has not credited my account for either the deposit OR overdraft fees leaving me in a serious financial situation. The branch manager at that location said there was nothing he could do which I've now found out is not true. I need this resolved immediately and not wait 10-45 business days like the bank is telling me. I deposited cash, not a check. The atm accounting for XX/XX/XXXX needs to occur and one should be able to clearly see me count out the money in front of the camera as that is XXXX when i deposit. Additionally, my banking pattern clearly shows that every other Friday I make a large ( $ XXXX $ XXXX ) deposit at a US Bank ATM . US Bank has completely stonewalled and has made zero progress and on my follow up calls they just say there is nothing they can do to expedite which is completely unacceptable and unfair to me the consumer. This is 100 % US Bank 's issue and not mine so I shouldn't be the one penalized. I am requesting that my account be credited for not only the {$3000.00} deposit I made, but clear ALL overdraft fees incurred in the months of XX/XX/XXXX and XX/XX/XXXX as a result. It is unfair and unjust to penalize the consumer for the bank 's mechanical failures on their ATM at one of their branches.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91351
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I reside in XXXX XXXX had checking account established with US Bank XX/XX/XXXX via on line. Occasionally deposit money by check thru the mail service. Seen they were offering a pretty good cd rate so called an had banker transfer XXXX for 7 month CD.on XX/XX/XXXX with maturity date of XX/XX/XXXX. Called XX/XX/XXXX to see if rate would stay same and if not transfer to checking. Confirmation number XXXX. When I received new statement in mail seen CD had not been transferred to checking. That is when I first called XX/XX/XXXX and found out the CD was renewed at ,05 % I asked at that time for it to be transferred to checking on XXXX XXXX. Have made contact with them speaking to four different bankers and each time they refer to another department.My last contact was with banker XXXX on XXXX he said Supervisor XXXX would call and fix problem. Well one again no call and CD remains where it is with I having no access to it. Call dates again are XXXX XXXX. Direct Tel # yo XXXX XXXX ( sp ) XXXX XXXX XXXX have called and left message with no return calls Please help I'm XXXX XXXX and this is very troubling. Thanks In Advance Tel # XXXX cell XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
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: IAcct. # : XXXX i have attached a rewards benefit from US Bank on above credit. As you can see if you spend more than {$35000.00} annually, I would get XXXX bonus miles. So I did spend more than $ XXXX in the year XXXX. On XX/XX/XXXX, I called the US Bank customer service and spoke with a rep. and also a supervisor inquired about when I will receive the XXXX bonus miles. They both have no clue what I am talking about and said they do not give out XXXX bonus miles. I paid {$450.00} for annual membership fee last XXXX which i dont mind because I would prefer to collect much miles I can to travel in the future using the miles. Also, I am supposed to receive two {$25.00} duty free coupons annually but never received any for last 3 years. Ive also attached the rewards benefit on this specific card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94580
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: 2024-01-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My Prepaid Debit card with US Bank ( Relia Card # XXXX ) was used for withdrawals by unknown hackers three times in a row. US bank informed me that the amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) and the other amount of {$2000.00} withdrawn on XX/XX/2022 was transferred to an account with XXXX bank ( XXXX ) as well. And finally, an amount of XXXX was transferred on XX/XX/2022 to an account with XXXX Bank ( XXXX ), but didn't give the XXXX Bank Ac info. When I investigated and asked for help, XXXX refused to give me any information about where the money went. I even showed them that my XXXX account didn't get any deposits. US Bank investigated but concluded that no error had occurred assuming that I may have approved these transactions. I got lost between XXXX and US banks as neither one was willing to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX I WAS APPROVED FOR A UNITED COMMUNITY BANK ( XXXX XXXX CREDIT CARD FOR XXXX INTEREST TO TRANSFER A BALANCE. I HAD XXXX TRANSFERRED. RIGHT AWAY I PAID DOWN THE BALANCE TO XXXX AND WHEN THEY REPORTED XX/XX/XXXX IT WAS THE SAME XXXX THEN WHEN I DISUPUTED IT WITH XXXX CREDIT BUREAU. XXXX XXXX AT XXXX TOLD ME ON XX/XX/XXXX XXXX SAID IT WAS CORRECT. THEY DON'T EVEN TAKE THE TIME TO VERIFY CORRECT INFO OR WANT THE BALANCE TO REMAIN HIGHER FOR GREATER FEE OPPORTUNITY. PLEASE HAVE THEM REPORT CORRECTLY. THANKS. ITS BEEN OVER 3 MONTHS, IT NEEDS TO BE UPDATED MONTHLY. I WILL BE WATCHING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I contacted discover to tell them the account opened is not mine. They have now updated my credit report with some XXXX cell phone number that is not mine. The only phone number that should be to my name is XXXX with the name XXXX XXXX XXXX. Nothing else. And the address should only be XXXX XXXX XXXX XXXX All others are fraudulent and my information has been stolen. Why would I report accounts I owe nothing on!!! Think about it!!! Its fraud, please update the XXXX accounts I flagged that are not mine and the phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A