Date Received: 2022-02-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I ordered a part from XXXX XXXX being XXXX heating element for {$58.00}, but I tried to cancel it the same day I ordered it. The item was then refused on XX/XX/XXXX because the package appeared damaged, and I never opened it. It was returned to the seller on XX/XX/XXXX, but I never received a refund so I filed a dispute with XXXX credit card. XXXX proves it by the tracking number. After sending all the information about it to the credit card Cardmember service they sent me their standardized XXXX form which I returned back to them. I then received notice that my dispute was denied. After many phone calls to the dispute department telling me the issue was resolved because they wanted the date, I cancelled the order which I provided. I faxed them a copy of my email to XXXX XXXX on XX/XX/XXXX. Next, I received another letter from them again telling me they want proof I cancelled the order. This is some type of violation of the law since XXXX told me one does not even have to give a reason to cancel a shipment. I then faxed them a copy of the email I sent to XXXX XXXX on my invoice stating I wanted to cancel this order on XX/XX/XXXX. I then received another notice saying that since I did not provide them proof, I will be charged again. I then sent a fax again with the information not knowing what they wanted on XX/XX/XXXX. I then received another letter telling me that the email to XXXX XXXX is not proof? They also XXXX and libeled me saying they are going send my information to the credit reporting agencies if I do not pay my bill? I have an excellent credit history which makes no sense. At this point I needed outside help to resolve this issue with the credit card company being in error about this dispute. The item was returned to the business, not returned back to me, and they did not credit me back. I am due a credit since the company can not have both the part back and my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: My first card was mailed XX/XX/2022 and I never received it. On XX/XX/2022 at XXXX I requested a replacement card be expedited and was told I would receive the card in the mail by XX/XX/2022. The website stated my card would come in XXXX days but customer service had no definitive information regarding the card at all. I do not have access to my funds and it has become a burden to live without income. I can not pay my bills, or buy groceries. This is unfair to me and anyone else experiencing this. Card holder services US Bank Reliacard not having answers or solutions is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/ treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Elan Financial such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Elan financial and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. Elan Financial XXXX, XX/XX/XXXX Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the abovementioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I go to bank every week usually have to stand in line 45 minutes why is this happening when 5 clerks working in bank? But only one person at the counter waiting on people I asked why and they said this is their policy this US Bank in XXXX XXXX XXXX Ohio needs customer services training!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a hardship with Covid was encouraged to skip payments and was told after the 18 months that there would be an easy process to resume making payments. After 18 months I called dozens of times while waiting on hold for hours at a time was told a different story every time and then after four months was told that I would have to fill out a XXXX page application and submit documentation of income and other things to be considered to resume payments, I did as was asked and then called multiple times was wasn't told there was anything I needed to do. A month or so later I get a letter saying I didn't provide enough information. I called and told them what had happend and they said I need to start the process over again and so I did this time including my W-2 's as well as paystubs showing I personally make over {$80000.00} a year and want to start making my {$400.00} loan payment. The then tell me that my application is incomplete cause my reason for hardship wasn't what they wanted ( no clear understanding of what they want ), that they don't have my home loan information from where I live ( never asked for it ) and they want paystubs and from my wife even though I make more than enough to pay the loan, then after asking me for all of this I get a letter from a debt collection law firm demanding payment of my loan in full in two weeks or else. I have spent hundreds of hours being mislead and fighting with this company and I am tired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 652XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Problem when making payments
Subissue:
Consumer Complaint: This is additional information about CFPB Complaint XXXX : XXXX XXXX, XXXX, XXXX I wrote to US Bank, via their online email tool : " I just spoke with XXXX XXXX, who was trying to explain something that was difficult because we take things for granted as correct when they occur on behalf of our employers. There was a credit of {$2000.00}, taken from the account on XX/XX/XXXX, that would have been associated with a balance of {$2000.00} that would have been accruing interest. So that means it was not here before XX/XX/XXXX, because there were several missed months of payments due to deferment. That {$2000.00} does not remain as a credit to pay off the minimum amount due, the {$2000.00} just " disappears '' - because the " total amount due '' on the XXXX XXXX statement goes up by {$230.00} roughly ( the exact finance charge ), the balance stays the exact same ( {$83000.00} ), and the credit from XXXX also disappears ( that would have been a negative balance carrying over into the next month, but it happened on probably the day the transactions closed ). '' When the money is " credited and debited '' it means it was MOVED, not credited and debited, but then disappears the following month, when the credit would have remained or been added to complete the minimum amount due. Today, I had another conversation with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Re XXXX Ineffective customer service from " XXXX '' - call from ( XXXX ) XXXX to Bank Support at XXXX - XXXX PT Hello : I just explained to XXXX at the ( XXXX ) XXXX number that there was a credit ( positive to me ) from my XXXX HELOC statement ( the loan, not my mortgage ) that disappeared and that it needed to be used to pay my past due amount ( acct ending in XXXX ). After saying she had consulted with her manager while I was on hold, through some challenging background noise, she transferred me to a number that, for obvious reasons ( she was trying to dump the call ) was not able to be heard clearly. She also mischaracterized the account as " delinquent '' after saying it was not in default at the beginning of the call, but delinquent, during the conversation in which she was told a letter I received on XXXX XXXX said it was in default. I explained that the account 's first payment after leaving deferral was due on XXXX XXXX ( based on the XXXX XXXX letter describing the end of the deferment period ) and that the account is only at 24 days past the due date. The fact she would not credit the account the {$2000.00} is disturbing, especially if she is actually authorized to make this change. Please correct the balance on the account, while we work to resolve the CFPB complaint I have had to file about this issue, in order to create a better foundation for partnership in the future. Best regards, XXXX XXXX XXXX Finally, The suggestion a banker ( Mr. XXXX ) made that the balance of XXXX was there before is not supported by the statement, or by the amount of interest that would have accrued under the deferral period ( it reads {$2000.00}, as opposed to the transaction that would have happened in XXXX, as Mr. XXXX claimed ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Im writing regarding my missing 0 % intro apr. On the webpage of the application for the USbank cash plus card, it has the 0 % intro apr on purchases and balance transfer for the first 15 billing periods. I applied and got approved for the card this year XXXX. However, after I was charged interest and a phone call with a card member agent, I was informed that the 0 % intro apr is not applied to my account. 0 % intro apr for 15 billing periods was part of the reason I applied for the XXXX XXXX card. The 0 % intro apr is still on the webpage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95062
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is been going in ongoing matter since XXXX when I open my account with USBank and ever since day one I have had to call because they flag my card for suspicious activity from Been I first open my account and had not use that card anywhere yet because I had just opened it so thats why they Were locking my card over suspicious activity because I have never used it anywhere it being a new account just open and I had to call them every time I even attempted to swipe my card or go to use it making it very difficult and stressful and frustrating that I had to be on the phone with us bank more then 5 times a day unlocking my card then they would tell that it was unlocked and then I would go to use it again and it wasnt unlocked just making me call him again and going through it all over again and being on the phone with him over three hours one time in the store and having my car keep declining to the point where we had just said forget it having 2 screaming kids and the store manager was even aggravated towards us and had to rescan the items from timing out on the transaction from being on the phone trying to unlock my debit card just for in the end it wasnt even unlocked for us to ever leave the store With any merchandise and then calling US Bank back after the store themselves telling us we were not going to be charged for that purchase because it was declined then be calling US Bank in them telling me the same thing promising no funds were going to be taken out of my account and not even leaving with any merchandise and then calling US Bank back after the store themselves telling us we were not going to be charged for that purchase because it was declined then be calling US Bank in them telling me the same thing promising no funds were gon na be taken out of my account because it was declined and not authorized but yet funds were still taken out of my account and Im not just talking about 1 or 2 times More like over a handful and the past week trying to get us bank to help me or the stores but they had just told me they cant do anything that I had to take it up with us bank and resolve this issue with them and over a week now everyday of being on the phone for over 7 hours literally trying to get my account not to close and be able to finally Use my funds being Im unable to get propane bring our only source of heat and under 20 degrees and then being told by the fraud department it was the cafe department and then back and forth then finally getting more help today saying that it was there mistake and how sorry for this inconvenience and ever happening in the first place and all the time and problems dealing with all they had caused me and having. XXXX babys without heat because they have a hold on my funds and closing my account and finally said today after 7 hours they were able to fix my account and it wouldnt be closed and i would be able to use my debit card snd funds in my account and after all day on the phone getting told finally my account was fixed just to hang up and then go to use my account and it to still be locked and I even called bank was on the phone for another 3 hours to get disconnected after every time asking to take my number and please call back if we got disconnected just to never get a call back from us bank not once and this is a large amount of money XXXX to just get taken out of my account to be put back snd have them end up walking my account and seeing that it was being closed and then not knowing why in the first place and then after dealing with it for days on end every day hours and hours of being disconnected hung up on transferred and disconnected and on hold and getting nowhere finally today getting told it was going to be good and fine and fixed and its not and then getting hung up and disconnected again I need help because they are not helping me at all whatsoever and Im just going round and round and this is left me in a very stressed frustrated ridiculous situation that I have never experienced with any bank ever And I dont know what to do because us bank isnt helping me and Im so frustrated and stressed about this all I need help desperately this is a very difficult situation and urgent please Im needing help for getting my money back ASAP and actually receiving help not just being told that its fixed and then to start all over again please please help me ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This toll fee number is pretending to be calling from US Bank to collect a presumed unpaid debt on my business credit card. The scrupulous rep is asking for bank information to collect payment. US Bank was informed but this thugs kept calling me. Below is the phone number they are calling from. 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: 92336
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to make a withdrawal from US bank and the teller stated to me that my account is on hold, I asked why she said she didnt know and that the system doesnt give a reason so I tried another US bank and he said my account is in the mist of being closed and he dont know why. Ive called customer service several time and the reps said the system doesnt give them a reason to why my account is on hold. The bank has a hold on my money that I put in the bank. I never get any loans or any other financial funds for my money. This is my money that I made and they have no right to hold my money because it doesnt belong to them. I cant pay my bills at this moment because of this XXXX. I am very angry and if it comes down to it, I will have a lawyer involved to take US bank to court about damage they have caused me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A