Date Received: 2022-01-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
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 see multiple 30 & 60-days 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: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( ELAN CACS CC XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Problem with : U.S. Bank, XXXX. ( primary subsidiary of U.S. Bancorp ) XXXX XXXX XXXX XXXX XXXX, CO XXXX Persons contacted at Bank about issue : XXXX XXXX XXXX XXXX ( USBank Customer Service employee ) XXXX ( ( XXXX ) - XXXX XXXX ) XXXX ( ( XXXX ) - USBank rep. that called me and relayed there was a team to deal w/this type of situation ) On XX/XX/XXXX, I wrote a {$13000.00} check on my USBank company checking account. On the same morning, I called USBank Customer service, and spoke to XXXX, and requested a stop payment order be issued on this company check. Subsequently, the check in the amount of {$13000.00} was cashed by FirstBank on XX/XX/XXXX, XXXX # XXXX, routing no. XXXX. On XX/XX/XXXX, the amount of {$13000.00} was deducted from my company account, with the notation of Check XX/XX/XXXX # XXXX despite my stop payment order having been relayed to USBank. On XX/XX/XXXX, I called USBank and was told by an employee at the call center, that the Banks employee, XXXX, had never placed the requested stop payment on check no. XXXX. A tape of the conversation of XXXX and me was listened to, to confirm the requested stop payment order call took place. I was told XXXX was XXXX XXXX, and she would look into this matter. I was likewise given Dianas number ( ( XXXX ) XXXX ). On XX/XX/XXXX through XX/XX/XXXX, I called and left daily messages for XXXX, with no reply being received until XX/XX/XXXX at XXXX, XXXX days after my initial request for a call back. XXXX indicated the bank does not guarantee stop payments. I reiterated that I had confirmation that the requested stop payment order was never actually put in place. XXXX told me that she would speak with XXXX about his mistake, and there was nothing further she could do. I indicated I was not satisfied and XXXX indicated she would contact her supervisor about this matter. I did not hear back from anyone in this regard. On XX/XX/XXXX, the amount of {$13000.00} was put back into my company checking account, with the notation of XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX. Subsequently, on XX/XX/XXXX, the amount of {$13000.00} was again deducted from my account, with the notation of XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Thereafter, every day from XXXX ( over a week ), I again left messages for XXXX, and received no reply. On XX/XX/XXXX, I received a call from XXXX at ( XXXX ) XXXX. She told me that USBank had a team more prepared to deal with this type of situation, that was working on this matter. On XX/XX/XXXX, I received a call from XXXX wherein she stated that the Federal Reserve had interceded and withdrawn the money, and there was nothing else USBank could do about it. I have since gone into my branch on at least four separate occasions, after calling, leaving messages and getting no response. I finally met with XXXX XXXX XXXX, the branch manager, and explained my frustration with the lack of communication from US Bank and he PROMISED me that he would personally address my concerns by speaking on my behalf to the regional customer relations manager, and stay in close contact with me. He called me once to tell me he wasnt able to reach the customer relations manager, and XXXX has since gone silent. I have been told they are on vacation when I was unable to contact XXXX, the customer relations manager, and now the same as to XXXX, on one of my visits to the branch to speak to XXXX. So far, nobody has taken accountability, nor addressed this issue when I have made attempts to try to resolve this amicably.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I applied for the US Bank Platinum Visa card using my physical street address of XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I instantly changed my address after the application process by logging into the US BANK online website and updated to my MAILING address of XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX. I then tried to contact US Bank on 17 different occasions and they refused to speak with me causing me to become very irritated and the representative then placed a suspicious fraud alert on my account even though I have verified ALL information and the representatives confirmed that the only address they have for me is XXXX XXXX XXXX. However, each time I call they state the address has not been changed and this is causing MAJOR issues. A US BANK representative by the name of XXXX XXXX then used her personal cellphone to contact me outside of business purposes on XX/XX/22 at XXXX XXXX PST to tell me I am " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. US BANK will not respond to my correspondence and I fear for my life that they have allowed an employee access to my personal information and that this woman XXXX XXXX XXXX try to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: As of today I have requeted three times for a replacement card of card number XXXX. Recently asked twice for a replacement card of XXXX. I requested for it to be delivered next day but I have yet to receive it. Also, I requested for a supervisor and that was last week and I have yet to received a phone call. I really need the card send overnight as it is affecting access to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: The available beginning balance of {$9500.00} stayed in my account no withdrawal until XX/XX/XXXX. The card was requested without my consent to an unknown address on or around XX/XX/XXXX is what I was told on or around XX/XX/XXXX by your customer service. The procedure that Ihad to do was send in my identification to change the address on XX/XX/XXXX XXXX. What I see is a violation on the consumer liability laws .My account was compromised by an individual who requested a Debit card to be mailed to them with an unknown address they have no record according to the customer service when we spoke on numerous dates .The theft never sent in any personal identification I was told. I would not have access to any statements if this is where my statements would be sent.The total amount taken is {$36000.00}. This law should exclude myself from any unauthorized transaction which I wouldn't report in time this frame. I been asked to summit a second unauthorized transactions request for reimbursement. The first request did not contain the documentation of the police report and knowledge of where the card was sent. I had an instant fraud alert which should allow me to re-submit my request to the Relia Card which is associated with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I already have a US Bank Credit card. I tried opening a easy checking account. It asked do you have some existing relationship with us, I said yes and tried to login. It gave me an error that it can not pre-fill the form and I need to enter all the information. I filled all the form accurately and then it declined my application. This account had a promotion also and I will miss the promotion if the account is not opened. I got this email We appreciate your interest in a U.S. Bank account. Based on the information you provided, were unable to grant your request for the following account : U.S. Bank Easy Checking The decision was made as a result of additional verification attempts made to protect your identity. In review of your application, there were inconsistencies in the information provided. As a result, an account can not be opened for you at this time. Please visit a U.S. Bank branch in person to provide proper identification. We take our customers identity and privacy very seriously and appreciate your understanding. XXXX ID : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was a customer with US Bank since XXXX. On XX/XX/XXXX, I noticed that there was a payment from my checking account to my reserve line that went through without me making the payment -- which made my checking account go negative. What usually happened in the past, is the available funds that I had would cover any negative amount in my checking. I had over {$40.00} in available funds however non of that covered my negative amount. Then I was charged a {$36.00} fee. I called US Bank on XX/XX/XXXX to discuss this. I had to talk to a few people -- one who took care of the {$36.00} fee and another one that made a {$21.00} payment to my reserve line ( which can be seen on my reserve line account ) but that person stated that I needed to go in, to make a payment to my checking account -- which I did ( all of this can be seen on both of my accounts ). When I went in to the US Bank branch on XXXX XXXX in Mt XXXX WA on XX/XX/XXXX roughly 2 hours after I talked with US Bank on the phone, I was clear that I wanted to deposit some money to my checking account to make it XXXX. I provided {$21.00} in cash AND that I wanted to close my checking account. The teller applied the amount to make my checking account zero then applied the rest ( XXXX cents ) to my reserve line. The next month in XXXX, when I had to make a payment to my reserve line, I noticed that the payment in XXXX was reversed so I asked the teller about it and she stated she did not know why the payment was reversed. When I contacted US Bank about this, they stated they could also not tell me why. A few days after I made the payment, I noticed that my pay off amount was getting higher but there was no documentation to my account on why that was so I contacted US Bank and they stated there was a daily fee posted to my account. On XX/XX/XXXX, I went to the same branch in XXXX XXXX WA with cash to pay off my reserve line and stated that I wanted to close that as well and wanted documentation that it was closed. The teller made the payment then stated he could only put in a request that it was closed. I stated that if it's not closed, then I was going to get daily fees. The teller stated he could not provide any documentation that they closed my account or even put in a request- to show that's what I wanted ; or provide any documentation that I would not be getting any daily fees or any other fees. So I contacted US Bank via messenger so I had written documentation. The employee stated that the branch was the only one that could actually close the account and also told me that my checking account was never closed -- which I wanted 2 months prior. So then I had my mom come with me to go back to the branch and we went inside- so that I had a witness to what was being said. We first talked to the teller I had made the payment with earlier that day and he supposedly got the " branch manager '' who we spoke with. She would not provide any documentation, not even her business card -- which has her name and job title on it. I provided the documentation to her to show what US Bank was saying. She refused to look at it and stated she didn't know who it was. It clearly showed " US Bank '' on the documentation I was trying to show her. I stated I wanted both my accounts to be closed ( checking and reserve line ) that day, as well as to not get any more fees. She stated she would not provide any documentation. I made a complaint with the FDIC since on the drive thru window on the US Bank branch says that the bank is with the FDIC. I did not hear anything from US Bank until they called me on XX/XX/XXXX. She asked me what happened and I told her exactly what I put up above. I asked her for documentation that both accounts were closed since I still did NOT receive it as well as the {$21.00} payment since it was reversed. I told her that I had over {$40.00} in available funds and I am only asking for the {$21.00} back that is clearly shown on the account as well as documentation that my accounts were closed. She stated she would send me documentation but would NOT refund me the {$21.00}. I asked her why and why it was even reversed the first time. She did not answer the questions and kept stating she would send me documentation. It is now XX/XX/XXXX - one week after I spoke with her and almost one month after I went in to make the payment and wanted my account to be closed and still NO documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98273
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: someone tried to open a credit card in my name and ssn through us bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/21 at XXXX pm I went into us bank to make a {$1600.00} cash deposit to my checking account. I gave the teller my California License and my check book. The teller asked where I worked and claimed this was standard with No Activity, then gave me a receipt for the deposit. On XX/XX/21 my account notified me of pending shortage, I checked the account to see that the funds were not there. I checked the receipt and the last four numbers on the receipt do not belong to my account. I have contacted the fraud and CSR regularly, given all agents the receipt information and I sent a email to area vp. It has been almost 30 Days and no one has returned my funds or reached out to attempt to correct this error
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A