Date Received: 2022-02-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XXXX XXXX, XXXX I purchased 12 US Bank {$500.00} XXXX gift cards from several XXXX stores for a total of 12x {$500.00} ( {$6000.00} ). My intention was to pay for water damage repairs at my daughter 's condo. This was because the repair company allowed payment by debit card for no fee, and I would get the benefit of the credit card points. In order to use the cards online, I needed to register my name and address for each one via a dialup process, which I proceeded to do. The first 10 cards had no problem. The last two cards caused the calls to divert to a call center line with long wait times on hold. I called this line twice in succeeding days. The first time I was on hold for 40 minutes, and the person who finally answered, after I gave him the gift card number, suggested that I just call the # on the back of the card. Since this was the number that I had just called, I said that made no sense. But he was unwilling to help in any way. I called again two days later with the same long hold time. A woman answered, and after I gave her the card #, was willing to contact a " specialist ''. After a further hold time of several minutes, she said to call back in 2 business days. She was unwilling to take any action on my second card, even after I complained about the long hold times. The total time for this call was 1:19. After waiting several more days, I tried again today and got the same call center hold. It is not possible to access any info on these cards via the website www.prepaidgiftbalance.com The numbers on the two gift cards are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both with XX/XX/XXXX expiration dates I will attach PDF files from the XXXX XXXX website showing my purchases at XXXX on XX/XX/XXXX. 10 cards on my XXXX card and 2 on my XXXX XXXX card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2022 I received a XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) as a birthday present from a friend. The card was purchased on XX/XX/XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the amount of {$30.00}. When I attempted to use the gift card on or about XX/XX/2022 at a merchant, the gift card was rejected. I then logged in to XXXX and learned that the gift card was apparently fraudulently used in XXXXXXXX XXXX on XX/XX/2022. I was never in XXXX, XXXX and did not use the gift card at that merchant. The card in question was somehow registered to another user. I contacted XXXX at XXXX and was instructed to fax the following information to them so that the a new gift card in the amount of {$30.00} be issued to me. On XX/XX/2022, I faxed XXXX ( fax number XXXX ) ; XXXX ) A copy of the gift card, XXXX ) A copy of the receipt that purchased the gift card, XXXX ) A copy of my driver 's license. On XX/XX/XXXX, I followed up with XXXX and called them about the fax. They informed me that they had received the fax but couldn't read my driver 's license information and I would have to re-fax the documents. The information on my end was clear and readable. Nevertheless, as requested, on XX/XX/XXXX, I re-faxed the information to XXXX with an enlarged copy of my driver 's license, a copy of the gift card, as well as a copy of the receipt used to purchase the gift card. On XX/XX/XXXX, I again followed-up with XXXX about the status of my second fax. This time XXXX informed me that although they received the fax, the purchase receipt was missing and I would have to re-fax the documents a third time. I tried to reach a resolution with them over the phone but I was unsuccessful. My access to a fax machine is limited. The use of a fax machine is an outdated practice and is being used, in my opinion, to make it difficult for people that were defrauded for relatively small amounts of money to claim what is rightfully theirs. In my opinion, the XXXX company is making this process intentionally difficult for persons making a valid claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I am receiving promotional and account-related information via email for another person 's account. I was assured via several phone calls and a previous CFPB complaint that my email address was removed from the account, but I continue to receive emails. The emails contain information about the account and account holder, such as the account holder 's name, credit limit, current balance, and partial card number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the XXXX of every month I have apparently been getting charged around 9 dollars by XXXX for some payment dealing with an XXXX. I checked online and apparently this happens to a lot of people I was told to ask for help here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After 2 years of no resolution of USBank unwilling to remove the incorrect negative credit card account off my credit report I decided to file three separate complaints with the XXXX, FTC and Washington State Office of the Attorney General in addition I will file a complaint with the Minnesota ATG as that is where USBank is headquartered then take legal action as a last resort if the item is not removed. Attached are copies of the complaints filed with each agency. This complaint is for account item : US BK XXXX Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received XXXX gift cards as gifts, total value of {$150.00}. The gift cards are issued by US BANK NATIONAL ASSOCIATION. When I logged in to activate my gift cards they were already drained. The cards were sent as gifts to me from my mother so I know they were legitimate and unused ; I received the cards in their original packaging, unopened. I have contacted the bank several times and sent them the info they requested via fax and they refuse to help me unless I can provide a receipt. I can not provide a receipt because the cards were given as a gift. I am very concerned because this means the data at this bank is not secure if these gift card numbers are being used, even though the cards are not opened. At this point I dont even care about the money XXXX alarmed that there appears to be a lack of regulation and this product continues to be sold in stores, essentially defrauding the people who buy them and give them as gifts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
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: The last week of XX/XX/2022, I lost my credit card while traveling in XXXX and XXXX fraudulent transactions posted to my account. XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. I called XXXX Fraud department as soon as I realized my card was lost. They took my information and supposedly started my claim for the disputed charges. On that day I received an email from XXXX saying that they will be working on my claim and that they will be providing provisional credit of the XXXX fraudulent transactions within 10 days while they continue their investigation. Meanwhile, Provisional credit was never provided, nor there was any follow up nor documents sent to me. So, On XX/XX/XXXX, since I didn't receive any communication from XXXX nor the fraudulent charges taken off my card, I called back XXXX fraud department to find out what was going on. I was told by an agent named XXXX, that there were NO notes on my claim, NO follow up and NO provisional credit on my account, he said he had to escalate it to a supervisor, that it seemed that my claim wasn't looked at by any one. So he told me that I was going to receive a call from a supervisor. I received a call from a lady name XXXX from a phone number XXXX. I called back and told her that is NOT OK to be ignored, to report a claim to XXXX and to have this type of inaction and lack of help in resolving my claim. Meanwhile its almost a month. No follow up, the fraudulent charges are still on my account, no provisional credit was issued, my claim was ignored and XXXX inaction and lack of willingness to resolve my claim has caused me stress and in top of it, I have to be calling back and forth, almost every week trying to get their help in taking care of this issue. It is obvious that US Bank is trying to ignore my claim and to put the burden on me to collect interest and charges with fees on the fraudulent transactions. I do believe I've been ignored and treated with this horrible disparate treatment due to my XXXX Ethnicity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank was paid in full payment but they are holding the funds for 7 business days they will not let me access my credit card I only have this credit card I am stranded in California I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is my third complaint regarding Escrow Advances charged by XXXX Bank XXXX - XXXX in the following amounts : Amounts charged by US Bank in Escrow Advances ( HELOC loan ) - Non-Escrow Account : XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX ( Refund ) - ( {$1100.00} ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1200.00} XX/XX/XXXX - {$1100.00} Amounts Charged by XXXX XXXX XXXX ( non-HELOC ) for Escrow Account : XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$1400.00} US Bank submitted a response and I found it to be unacceptable. Specifically, US Bank stated, " LPI is only able to be removed from an account when proof of insurance is received. At this time we have not received evidence that active coverage was present on the account from XX/XX/XXXX-XX/XX/XXXX. A XXXX XXXX Policy was received indicating coverage active from XX/XX/XXXX - XX/XX/XXXX. Upon receipt of proof of acceptable insurance coverage for the remaining lapse of coverage period, the account may be reviewed for any possible reimbursement owed. In XX/XX/XXXX I forwarded US Bank proof of insurance documents from XXXX XXXX XXXX from XXXX XXXX. I also included proof of insurance from XXXX XXXX XXXX in my first complaint against US Bank. US Bank stated that the LPI placed by XXXX XXXX XXXX was unacceptable and refused to reimburse me. Although, it appears US Bank accepted the Lender based Policy that I provided them from XXXX XXXX XXXX as adequate coverage in XXXX because I received a refund in the amount of {$1100.00} in XX/XX/XXXX. Note, US Bank included the XXXX XXXX XXXX LPI for the period ofXX/XX/XXXX-XX/XX/XXXX in their response and I was not charged by US Bank during this period. So the statement that LPI placed by another bank only covers their interest is false. It covers the amount of the loan and all stakeholders as evidenced by the refund I received for providing such documentation in XXXX. In addition, US Bank responded stating, " In reference to your concerns with the payment of more than one LPI premium within a 12-month period, the timing in which the premiums were billed resulted in he overlap of issuing more than one premium within a 12-month period for coverages from XXXX and XXXX - XXXX ''. This response is unacceptable. US Bank should not be issuing more than one 12-month Premium in a period. US Bank should not have spent {$2400.00} for two LPIs policies in XXXX that overlapped each other. US Bank stated, " Escrow Advances owed on the account are attributed to the payment of the LPI policies placed on the account due to lapses in insurance coverage. '' I have furnished proof of coverage for all periods in question to US Bank and they have still refused to reimburse the funds. I am attaching once again to this complaint proof of insurance I had with XXXX XXXX XXXX for the period of XXXX XXXX. " Furthermore, US Bank states in their response : We have enclosed your 1098 Mortgage Interest Statement reported for XXXX, XXXX, and XXXX. Only the most recent forms are retained in our system. '' It is unacceptable that US Bank has not retained documents prior to XXXX and they should not randomly lose or dispose of statements until a loan is closed out. The statements from XXXX would reflect that US Bank never charged Escrow Advances previously nor did they send out letters requiring that I furnish them proof of insurance because they knew I had an Escrow account as part of my mortgage with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my paycheck on XX/XX/XXXX via an ATM at my bank US Bank. It was for a little over {$3200.00}. They told me that the funds will not be available until XX/XX/XXXX. The account is not new - I opened it just under 6 months ago. The account has over 30k in the account. The payroll check in question cleared my employers payroll account on XX/XX/XXXX. I know this because I work in accounting at my employer and have bank access
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A