Date Received: 2022-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: US BK XXXX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( US BK XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was in a refinance process with US Bank between XX/XX/XXXX and XX/XX/XXXX. I already had my original mortgage with US Bank, so all the information was there to refinance a new one. Long story short, my escrow fund for XXXX was put toward payoff of the new loan without my permission or knowledge. I repeatedly stated I wanted to make sure I had XXXX tax money to pay them in XXXX. Ultimately, I was informed after closing that my escrow I had saved up until XXXX of XXXX was gone and I had no tax money to pay for those taxes. I have attached more details to the process below. I have had correspondence with Customer Advocacy through mailed documents only and have found it hard to even talk to a person about filing a complaint or someone who even knows what their process is. Basically, they have said we are sorry, but there is nothing we can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Every time I apply for credit they keep the inquires on my report. I need those off of my report. I should not be penalized just for applying for credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$1000.00} We paid the company " XXXXXXXX XXXX XXXX '' painting company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$1000.00} We paid the company " XXXX XXXX XXXX XXXX painting company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I have a HELOC with US Bank. When we used it early last year, I set up an automatic payment through my online banking at another bank to pay {$500.00} a month, even though the amount of our payment was less than {$100.00}. In XXXX, 2021, I had major surgery and was in the hospital for 4 days and on pain meds for a while thereafter, so I was not paying a lot of attention to my finances. For some reason ( probably my fault ) the automatic payments stopped in XXXX, so I missed my XXXX payment. I realized it when I received my bill from US Bank on XX/XX/XXXX so I immediately reinstated my $ 500 monthly payments and paid the bill that day. ( I paid {$500.00} even though I only owed {$100.00}. ) On XX/XX/XXXX, I received a notice from the bank that my ability to draw on my line was suspended due to non-payment. ( The letter was dated XX/XX/XXXX, so it is entirely possible they had not received my payment. ) The issues I have are : ( 1 ) I attempted to call the bank in XXXX when I realized I missed a payment to explain what happened. I also attempted to call when I received the suspension notice. Each time I tried to call, I received a message " We are currently unable to take your call- please call back. '' There was NEVER any opportunity to leave a message or speak to a live person. ( 2 ) At no point did I receive any notice from the bank that a payment was past due, even though they clearly have my address, phone number, and email address. Had I been notified, I would have paid the amount due immediately. I take exception to this treatment : never at any time have I ever missed a payment and I have always paid much more than the minimum amount. I am furious that the bank never afforded me the courtesy of reaching out to remind me that a payment was due or that I missed a payment, knowing that I am and always have been a good and reliable customer who has always paid on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was managing partner of a medical practice that closed XXXX XXXX. We had a contract for a copier signed in XXXX of XXXX. My secretary notified US BANK of our practice closure date by phone. The copier was disconnected and moved to a different room in building after we closed. One of my partners made several calls requesting a final bill and pickup of the copier. We received a default bill in XXXX. Two certified mail letters were sent, one in XXXX, and one in XXXX. I received two letters back claiming they had unsuccessfully tried to contact me. I tried multiple times to contact the person that sent the letters and got voicemail only. I left messages to call my cell phone. I never received a call. I paid everything owed mid XXXX and sent certified letter with check requesting our relationship be finalized. The contract states they need 90 days written notice, or I can return copier, or I can purchase it. Have no idea how to " return a copier '' the size of the one we had and can't get a call returned to find out how. My retired partner recently sent me a XX/XX/XXXX bill he received for over {$1100.00} in charges for use of copier, late fees, and damage fees. I really do not believe anyone at US BANK was or is interested is resolving this issue. I am out of ideas. This all seems very unethical to me. I would appreciate any assistance you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77802
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a variable load US Bank XXXX gift card from a XXXX, MD XXXX XXXX on XX/XX/XXXX and loaded {$500.00}. About a week after I bought the card, I called to change the pin. The automated system said the XXXX6 digit card number did not match the CVV. I stayed on the line for about 15 minutes until I was connected with a customer service representative. They said it didn't matter, to just use the last 4 digits of the card number as the pin. I tried to use the card for a purchase at XXXX a few days later, and the purchase was declined because of an incorrect pin. About a week later, I think XX/XX/XXXX, I called again to try to figure out what was wrong with the card, I was told they couldn't do anything because the 16 digit card number didn't match the original purchase amount and date that I gave. I said I had the original receipt and they said I could send that to them for proof of ownership. I then called on XX/XX/XXXX to get the information to send them the info. I was told to fax my receipt and my id along with a phone number to reach me to their fax number and it would be processed in 24-48 hours. I faxed the information XX/XX/XXXX in the morning after I got done with the call. I called on Wednesday, XX/XX/XXXX, and they said it had not been processed, I needed to actually wait XXXX to XXXX business days. I called on XX/XX/XXXX, was hung up on once, and was on hold for a total of about an hour. On this final call, I talked to a supervisor who said I actually needed to send a fax with the proof of purchase, my ID, the gift card, and a 10 digit card ID number on every page. I sent the fax on XX/XX/XXXX in the evening. I suspect that the card is a fraudulent card since the last 4 digits on the front of the card do not match the 4 on the back. Every step of this process has required 15 to 30 minute holds, explaining the situation every time, and being told at various points, I was lying, I hadn't loaded the card properly, that the store messed up, and have been given different information to send by fax every time. I have never been so frustrated trying to use a gift card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I been trying to use my us bank reliacard for unemployment i been trying to set up and load for 2 days. We are totally broke and will be till fri which is 6 days away I tried sending transfer over phone, atm app deposit, filing for benefits
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A