Date Received: 2021-12-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have several accounts with US Bank since 1995. I moved from the XXXX, XXXX branch to XXXX XXXX, XXXX 8 years ago. I continued to bank with US Bank with our business account however our personal accounts were moved to XXXX XXXX XXXX. This was due to there not being a local US Bank within XXXX. I contacted the branch in XXXX, XXXX to close a personal account that has been stagnant for 8 years. I provided every verification needed to identify me as the account holder and I was told that i could not close the account because there was a XXXX XXXX as the mailing address in XXXX, XXXX.I asked what the process is to change this XXXX XXXX to my address on file with all my other accounts at US Bank and I was passed along from the branch to online business back to personal online with no solution on how to change the address without flying to XXXX and physically walking into the branch bank and requesting. The timer on my cell phone registered 9 different phone calls totaling 237 minutes. The customer service is absolutely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
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: Credit card is from usbank. The moving company is XXXX XXXX XXXX located in XXXX Mississippi Date of moving XX/XX/12 to XXXX. They damaged many of our house goods and never provided us with insurance information. They never used packing materials and they charged me for that around XXXX. I know now that only document they gave me was a poorly made contract that doesn't have all the required documents by law. Charge for moving was for XXXX. They made multiple charges to my card without invoice or itemized bill. No inventory was done. It looks like they forged my signature on the multiple invoice charges which they never sent to me or explained. This business has F rating in XXXX and has pending insurance cancelation per DOT. They rented a small u haul trailer to fit in the rest of our stuff which costs XXXX dollars and are charging me XXXX. They are charging me around XXXX for storage in transit without letting me know in advance and they drove overnight in same truck to deliver our things. They never provided me with any documents during the loading and unloading. They have multiple complaints send to attorney General office in Mississippi which I have also sent a complaint to them. Dispute XXXX fuel surcharge Need to have detailed receipt about this expense. XXXX packing materials. Need specific and detail Received about different types of packing materials used. Based on their price list XXXX XXXX storage in transit. Needs specific details about where they had the storage and the expenses made. Receipt. XXXX Need complete itemization of what does moving services is, specifics and receipt for the trailer what kind of trailer. XXXX need detailed invoice regarding this charge. Also by law need insurance information. They didn't provide me with bill of lading Options for more insurance coverage inventory check loading and unloading. Binding estimate which by law they should have extended this documents. I need and demand that as my bank you provide with me evidence from this company like documentation receipts detailed itemized bill of all the charges documentation evidence that they send me the invoices and that I signed them physically because I have never received those invoices or further documentation from XXXX XXXX XXXX and I have never signed this invoices or authorized any charges beside the initial deposit of XXXX dollars. If you as my bank don't have that information evidence supporting documents receipts from this company I will not pay any charges and I have my rights as the client not to pay under this shady circumstances. I request that this charges be removed from my usbank credit card unless you have further real solid evidence from this company and then provide that information to me. This are unauthorized charges that I will not pay as explained above. Department of transportation which I have filed a complaint as well against this company has stated that the contract which was the only document extended to me is ilegal. This company was shut down in the past because of deceptive business practices and reopened with a different name. By the department of transportation this company can not operate Interstate. This company has been operating intrastate illegally. Usbank favored this company even though is operating illegally and only document they have is this invoice in which this moving company forged my signature. They have no other document or evidence or details from this company. Usbank put the unauthorized charges back to my credit card. I have sent complaint to department of transportation attorney General office XXXX Mississippi at XXXX XXXX XXXX and report to XXXX police.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX and my complaint number is XXXX. I spoke to someone who took my statement earlier today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My neither, sister and I received {$100.00} XXXX gift cards for XXXX from our grandmother. The cards were sealed in the packaging and required activation. Upon activating, all three cards ( which were mailed to us to separate addresses ) had pending activity prior to activation. One card was completely cashed out. All three had initial transactions at XXXX XXXX, a store we'd never heard of, for XXXX. This was before we ever received them. We also found out another relative, in another state, had also their XXXX gift card maxed out before they ever used it. I called XXXX, the number on the card, to alert them and cancel the charge. They stated they couldn't do anything with a pending charge, were very rude ( making remarks about how it was only XXXX on my card ] and when I asked how a sealed card could have charges prior to receipt or activitation, I was told that they don't have a way to know that and that there was no one to escalate my complaint to in order to avoid future fraudulent charges or scams with their product. I was also concerned that any remaining balances are now compromised. The agent offered to cancel my card. I asked to confirm that I would just lose my money if I cancel, and she said yes. That is an unacceptable response to a fraud concern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59718
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I called to make aware 2 weeks ago regarding fraudulent charges made on my card. They were going back to May since I was on bed rest for 12 weeks. I was told Id get a form to fill out and writhing 10 business days receive a credit while charges were being investigated. I received my new card but no letter to report charges and on top of that my card has been blocked to where it can not be used. I want my money back asap! This company has a habit of playing with ppls money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I'm writing this complaint in regard to an adverse action letter I received concerning a consumer credit application I submitted for a fidelity visa signature credit card on XX/XX/XXXX, Pursuant to the FCRA, as a consumer, accuracy is defined as the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. Congress talks about accuracy and fairness, they're asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Elan financial services aka US BANK of 1 counts of taking unjust advantage against me on XX/XX/XXXX. I XXXX XXXX, consumer natural person and original creditor of an open end credit plan was denied my right of credit by Elan financial services aka US BANK. I was notified of this transgression of my rights specifically 15 USC 1601 Truth in lending act, by Elan financial services aka US BANK via mail on XX/XX/XXXX. Pursuant to 15 usc 1602 definitions of TRUTH IN LENDING act, I as a natural person possessing an open end credit plan was harmed by Elan financial services aka US BANK adverse action taken against me denying my rights which is {$5000.00} in damages pursuant to 15 usc 1640 ( a ) ( 2 ) ( a ) ( iii ) they are now civilly liable. According to 15 USC 1681m the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why does it not ever mention being denied for credit? The answer is in Truth In Lending Act ( TILA ). I am aware that there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open-end credit plan, which I administered and extend/originate myself credit to make them a creditor/debtor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions don't loan money because there hasn't been any in circulation since XXXX So what is elan financial services denying me for exactly? are they loaning me money? Where is the credit coming from exactly? Can they provide me and the CFPB with documentary evidence on where the money being lent is coming from? According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled Exhibit A & B. This is not a request, I am granted the right to credit under my open-end credit plan which I am administering. Pursuant to 15 USC 1681m The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any INSURANCE, existing or applied for, in connection with the underwriting of INSURANCE ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. The law did not mention any denials of credit but does mentions denial of insurance or employment. The application I submitted to Elan financial services aka US BANK was a consumer credit application. Pursuant to 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Does this not mean that I granted the right to Elan financial services aka US BANK as the debtor in this transaction to incur debt and defer its payments? so why am I being denied for CREDIT that I am granting? I did not apply for insurance or employment with Elan financial services aka US BANK. Every consumer credit transaction includes a finance charge. a finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit pursuant to 15 USC 1602 ( j ) - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance .I 'm granting the right as the original creditor to open, my open-end consumer credit plan.
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: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX Ive recently been a victim of fraud. Some withdrew XXXX from my account in one day and it happened in a state I never been in. Someone apparently had my ssn as well as a fake drivers license which was enough to convince the tellers to withdraw XXXX in the span of 2 hours all in one day. I never got any notification or alert I found out a day after it happened because I was curious to see if my direct deposit came early. Im really disappointed in US Bank because they they allowed XXXX to be taken so easily without going into proper alerts especially in a state Ive never been in. Probably the worst XXXX of my life and Im lucky to even have enough to pay for my rent but this type of recklessness is so irresponsible. XXXX dollars in one day in the span of 2 hours, I wish better precautions went into this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 US Bank was supposed to pay my credit card with a check. They chose to pay with an electronic fund and refuse to give me proof of payment. I have asked repeated on a weekly basis for a trace number or transaction number showing proof of payment. They will not respond to the request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XXXX XXXX 2021 I purchased XXXX {$100.00} XXXX XXXX XXXX from XXXX XXXX located on XXXX XXXX in XXXX XXXX, Oregon. I wrapped them and placed them under our XXXX tree as part of my childrens XXXX gifts. The morning of XX/XX/2021, we woke up and unwrapped our XXXX presents. I have video proof of my kids opening them and them being still in their original packaging and never having been opened or used. After we finished opening gifts, I went to the website on the back of the card XXXX to register the card ending in XXXX so they could use it. I immediately learned that someone in XXXX XXXX California had fraudulently used the card for a purchase just under {$71.00} on the card on XX/XX/2021. There is also another pending charge for {$2.00} from some other company in XXXX XXXX for the same date. This was not me, as we live in Oregon and I can prove we were here in Oregon on that date. I can also prove that we had never opened the cards until XX/XX/2021 so even we never had access to the card or card number. I called the number from their site of XXXX and not nothing but the run around from XXXX of their customer service reps. I talked to people who claimed that they were managers and they still refused to say anything that we will mail you paperwork and MAYBE you will get the money back that was stolen. On top of that, the balance that hadn't been stolen is now locked and they are refusing me access to any of it until I get these alleged papers in the mail. I say alleged because with how I was treated and spoken to - I frankly do not trust these people to do the right thing and return my XXXX XXXX PRESENT that was stolen by thieves AND by these shady reps. Several times I asked for a name of their corporate company and a phone number and they refused. I even have it all recorded since I have cameras in my home and they were on speaker phone. So I can prove the reps refused to give me any information or help and were doing everything in their power to ensure I not only lost the {$73.00} in fraudulent charges but also the remaining balance of {$27.00}. They told me I had to wait for the forms that are supposedly coming in the mail and that it could take XXXX DAYS to resolve. XXXX MONTHS for my child to be able to use his XXXX present. A REAL bank with REAL customer service would have issued a temporary credit while it was investigated. They also immediately panicked when I told them I have it all recorded since I have security cameras and they were on speaker phone, and hung up. In my opinion, this further proves they are shady and going to try to not appropriately handle the fraud as they should since if they were above board, it shouldn't have mattered if it was on record, right? This whole interaction caused me to have a XXXX XXXX ( I have XXXX and can prove that too ) because as I XXXX mother with an XXXX XXXX XXXX XXXX XXXX, I have to work hard to not only provide food and shelter for my kids by myself, but even harder to be able to provide them nice gifts like this. The way I was treated by the customer service reps ( who really should have titles because service is NOT what they provided ) ruined our XXXX morning. I had a child who was heartbroken that he was not going to be able to use XXXX of his new electronic toys because he could not purchase games for it due to this. I have also filed a police report with XXXX XXXX XXXX of the XXXX Police Department regarding the whole thing. That police report number is XXXX. It was filed XX/XX/2021 at approximately XXXX XXXX. I have also attached the pics of the front and back of the gift card, the receipt from when I purchased them, and a photo of my kids opening them BRAND NEW and NEVER USED on XXXX morning ( I have video as well )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a XXXX XXXX XXXX at a XXXX grocery store on XX/XX/21 with a preloaded balance of {$50.00}. On XX/XX/21 I opened the gift card and registered it online at XXXX, however when I attempted to make an online purchase the card was declined. I called the telephone number on the back of the gift card XXXX and spoke with 3 different representatives who all advised that the card was placed on hold for fraudulent activity that occurred on XX/XX/21 which was prior to my purchase of the card. The company offered to mail a new gift card within 5-7 business days, but could not guarantee that the new card would not be flagged for fraudulent activity. I requested the company refund me the {$50.00} and I was informed that the money is still there, but I would not be able to access it because the card has been flagged. All 3 representatives refused to transfer me to a supervisor after multiple requests and eventually hung-up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A