Date Received: 2022-02-03
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: I have continuously tried to get US Bank Credit Card services to correct a late payment error that was reported on XX/XX/2020. I called in to ask for a COVID-19 extension, made a payment and the representative advised that she would acknowledge the COVID-19 hardship and put in a correction for credit reporting to current for XX/XX/2020. US Bank has failed to acknowledge the complaint, as they can not provide any proof of the recorded phone call I had with the agent in XX/XX/2020. I have also had a problem with trying to resolve a dispute on the same card, which I have filed a separate CFPB complaint regarding that matter. I want the 30 late corrected to current or I want a copy of the phone call stating that the call representative never stated she would fix it. -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: 95818
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
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 have attempted multiple times to try and resolve an issue with US Bank Credit Card services since XX/XX/XXXX. After making several phone calls, being hung up on multiple times with no call back, I feel my issue is nothing of importance to US Bank. I have had nothing but problems with US Bank card services over the past XXXX years. I have a charge on my statement for {$350.00} that posted on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I never authorized or signed for a charge for this amount. I did authorize a charge for {$180.00}. I have attached my receipt with this complaint. I want my credit card credited back for {$170.00} for the unauthorized charge back immediately. I don't have any other choice after this but get an attorney if the charge is not credited back. US Bank needs to severe work on providing any sort of satisfactory customer service. They do not follow up with customers regarding matters of urgency. -XXXX XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a US Bank credit card account, I moved my office in approx XX/XX/XXXX, I attempted to change my mailing address multiple times online at US Bank but was unable to. I do get mailed statements so I made calendar notes to remind me to pay my US Bank invoice monthly. I did that each and every month on time payments. So I communicated with US Bank each month online and paid my monthly invoice. I sign on at the end of XX/XX/XXXX and see I have {$0.00} credit line available where it should be approx XXXX XXXX. I call customer service and they advise me US Bank has had 2 pieces of mail get returned to them so they closed my credit card account. I was not understanding how a client that used the credit card and made on time payments get his account closed because of returned mail. He advises me to send a dispute letter to a certain department. I send the letter and they respond the account has been closed for more than XXXX days so they can not reopen the account. I call customer service again and they state the same, and tell me to send a second dispute letter which I did I also advise US Bank at that time they issued me a new credit card in XX/XX/XXXX and I have it in my hand. Credit cards don't get forwarded so US Bank clearly knows my address because I have the new credit card and use it for new charges in XX/XX/XXXX and XX/XX/XXXX. So clearly I have my new card mailed from US Bank and I have used it. I was not getting my statements because they would not allow me to change my mailing address online, But US Bank did deliver my new credit card to the correct address. US Bank 's response to the second dispute letter is the same they state because they have returned mail on my statements they have closed my account. I was advised today that my account was closed sometime in XX/XX/XXXX it has been a very short time they know who I am they know where I am this makes no sense to close my account over returned mail. My request is that my account is reopened and my credit line is reinstated. I continued to be an active client with US Bank using my credit card and paying on time each and every month. I will attached the related documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: U.S. Bank is harassing me, calling me after I obtained an attorney, the attorney sent U.S. Bank a letter, and more than XXXX U.S. Bank representative said I committed fraud. They are now calling claiming ignorance, saying sorry we just need your address and they know nothing of what is happening. I have also filed a complaint and asked for an investigation with the State 's Attorney Office, the SEC, and my insurance company. These people at U.S. Bank are abusing their power with my banking details, referencing transactions in my personal account, and threating me with jail and investigations. I want the phone calls to stop immediately. They have also deleted and or froze several of my accounts and even renamed XXXX account to a XXXX. I have the original statements that do not have the XXXX designation. They are altering banking documents!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I wanted to pay off my car loan which had an outstanding balance of {$8200.00} from my XXXX XXXX checking account so I logged into my US Bank website portal to do so on XX/XX/2022. The website told me in order to process a full payoff I needed to call their customer service number, which I did same day. After navigating through numerous automated menus, I was finally able to speak with a representative who told me that I could not pay off my loan in full and close my account unless I have a US Bank account. I asked how this is possible since they have been withdrawing my monthly payment of {$380.00} every month from my XXXX XXXX checking account on file for the last two years to pay off this loan. The representative said this was US Bank policy and that the only thing she could do was provide me the current loan payoff amount and address to mail a check to, and turn off my current autodraft from my bank. I said fine, i guess we will do that, but this does not seem right as interest accrues daily and so by the time the check gets to their payment processing center, the loan balance will be higher and i will still have a small balance left on my loan. I believe this is a predatory practice by US Bank to prevent their customers from paying off their loans in full, and forcing them to pay additional interest unless they open a bank account with them. This seems highly unethical to me and i believe warrants further investigation into US Bank 's loan practices. The way it is currently set up, my only choice is to mail a check to them to pay off the loan, and then i will need to follow up with them in a few weeks to verify that my account is closed out and additional interest is being charged. If I have a bank on file with US Bank I have been making payments out of, I have money available in the same bank account to pay off the loan, I should be able to do so online or over the phone all at once. Again, I believe this is a predatory practice by US Bank to prevent its loan holders from fully paying off their loans so that they can charge additional interest, and warrants further investigation and hopefully penalties for US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/XXXX my lease agreement with the U.S. Bank NA has expired, and I paid off my outstanding contract obligations as well as the associated Sales Tax amount. On closing of the account, the U.S. Bank NA ( tax ID XXXX ) has issued a check for the amount of Sales Tax payable to the New York State Department of Motor Vehicles. I have then deposited that check during title processing with the NYS DMV and was issued a new title for the vehicle. On XX/XX/XXXX the NYS Department of Motor Vehicles informed me via a written letter that the sales tax check issued by the U.S. Bank NA was returned unpaid. I was also informed that a ) a new payment is needed from me ; AND b ) the new amount due now includes a penalty for the dishonored check ; AND c ) my driver 's license will be suspended unless the total payment is received. Since the moment I received the above letter, I attempted to discuss the situation with the U.S. Bank NA multiple times without any success : 1. Phone calls made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 2. Has been rerouted between multiple departments and spoke to the agents in each one : - XXXX ( customer support ) - XXXX ( lease end ) - XXXX ( lease maturity ) - XXXX ( banking ) 3. As advised on the phone, communicated the full history and provided supporting documents via fax/email : - XXXX ( customer service fax? ) - XXXX ( titling department fax - twice! ) - XXXX ( customer service manager? ) At no time has anyone contacted me from the U.S. Bank to update me on the status or with any questions. All the conversations were initiated from my side. As of this point, after wasting numerous hours on the phone discussing the same problem over and over, I was informed by the agent and her manager on XX/XX/XXXX that a request was sent to the " back office '' 5 days ago, that no response has been received, that it's not clear when a response will be received, and that there is nothing else anyone can do until the back office '' responds. Based on the above, my conclusion is that the U.S. Bank has either intentionally withheld the sales tax money they received as intermediary and fraudulently issued an invalid check, OR that the U.S. Bank is a highly dysfunctional institution, incapable of providing customer service at a reasonable level.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XX/XX/XXXX : opened checking acct with US bank due to offer promotion of $ 400-450 from flyer local branch ( requirement : direct deposit total $ 4k for 4-6 months ). Within 60-90 days, the offer cash out will be credited to the acct. No credit until, i came to the branch XX/XX/XXXX. Spent many hours going to the branch and phone calls, no follow up. XX/XX/XXXX : went to the branch and i was told being researched. The US Bank associate refused to provide me with the upper mgmts contact XX/XX/XXXX : still researching and finally XX/XX/XXXX got the incorrect credit of {$300.00} instead of 400-450. In addition, there was no any compensation of waiting for almost 8months. I filed complain now, because i was in the middle of medical treatment last year. Please assist me on this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: My Name Is XXXX XXXX, i was trying to get my medications when my card got declined, I did nothing wrong and when i called i was told to do id verification which i did twice, even sent them my identification documents through USPS and i confirmed it was received, US Bank is holding 14000 of my money, i called US Bank, they said its identity verification, I told them i did that which they confirmed, next day i called again they said its the unemployment office who closed my relia card, i called unemployment, i was told my claim is verified and in good standing and they see no reason why US Bank should deactivate my card, i called US Bank, i was on call with the Unemployment office too that very moment, US Bank said it was unemployment office, which the Ohio Unemployment Customer Rep told a supervisor to speak with US Bank because no notes on my account from the unemployment office, that US Bank is holding my money unlawfully, i called US Bank, I asked of a supervisor, he said there was a note on my account from the upper office not to release my money or issue a replacement card, that there is nothing he can do to help me, i told him i am XXXX and my health is failing, he asked me to tell it to the state agency, i went to church on sunday and discovered US Bank has been doing this for so long ... I have 140000 there i cant access in my Relia Card, it wont even let me login, i really regret using the relia card, i am planning a class action lawsuit towards this bank, my health is failing and they are witholding my money, my condition is very critical, Us Bank should reactivate my card or issue me a replacement card, i commited no offense, i asked what is the note on my account, They said they cant tell me the reason why my account is closed..i am XXXX please someone should help me. Card ID : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting a line of credit
Subissue:
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT. MY COMPLAINT WAS CLOSED AND I DISAGREE WITH THE RESOLUTION. I AM A CONSUMER AND ELAN FINANCIAL HAS VIOLATED MY CONSUMER RIGHTS AND HAVE ADMITTED TO SUCH. Recently, I, XXXX XXXX, was denied an extension of credit by Elan Financial. On XX/XX/2021 I submitted credit card application, I applied for a Fidelity XXXX XXXX Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Elan Financial has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Back in XXXX & XXXX, we had applied for several loan modifications, and had been denied many times for different reasons. We fell behind on our mortgage, to no fault of our own ( have documentation of US Bank admitting fault ). As we waited for approximately XXXX year to resolve our or be accepted for modification, we kept in communication with US Bank and were told that we would be fine and they would not put us in foreclosure as long as we were complying with giving the information that they were asking for. On XX/XX/XXXX our home was put up for sale. We had continued to keep open communication with US Bank, only to find out they had put our home up for sale. At the time, we had XXXX of our XXXX children still living at home, and were scared of losing our home. We contacted the Minnesota Attorney General 's Office for help. We were given a mediator, XXXX XXXX XXXX XXXX. XXXX XXXX was able to communicate with US Bank on our behalf, and he stopped the sale of our home. In XXXX of XXXX, US Bank found us a modification. Our XXXX yr mortgage___ {$110000.00} New Principal______XXXX {$130000.00} New Money _________ {$12000.00} ( with no explanation or breakdown ) We were in duress .... scared of losing our home and having nowhere to go with our family... so we signed. We couldn't afford to pay the arears that were due, let alone, take this paperwork to an attorney to look it over, so we signed so we would have a home for our family. Just recently, we had gone to refinance or sell our home, and discovered that not only did US Bank add 16 years onto our mortgag e but also added a clause in the documentation, that we are unable to sell our home without US Bank 's prior written consent. I know that there are quite some years that have past, and we're sorry we didn't pay more attention to the new modification at the time, but as I said before... we had no home for our family if we didn't sign the paperwork. We also had no reason to look at it again because we have been able to keep up on our mortgage payments ... All of this was traumatic to us and our family and did not want to relive those years. We have reached out to Minnesota Attorney General 's Office again on XXXX XXXX, XXXX and was able to ask XXXX XXXX XXXX XXXX if there is anything we can do. We understand that time is not on our side... but we were pressured and under duress when we signed. Can you help us please? XXXX XXXX and XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A