Date Received: 2021-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and US Bank XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone applied for a credit card at USBank in my name and was successful. This all started around the last week of XXXX. I received the credit card in the mail with a {$8500.00} limit. I called them immediately but they said that the acct had been closed and could not discuss any other details. I received a letter dated XX/XX/XXXX, they notified me of my credit score. Then I received a notification that my address had been updated. A letter dated XXXX was sent saying my account was closed due to either fraud, false statements, or I would not live up to obligations under the card member agreement. None of this was approved by me- all fraud. I have been unsuccessful in reaching someone to get further information or a letter stating that it was in fact a fraudulent application. I put a security freeze at all 3 credit burrows. When I pulled my credit, it looked like there was a {$25.00} charge to the USBank card. Someone also tried to use my information for an account at XXXX who I already bank with. I have notified them but have to call again during business hours tomorrow. I keep getting correspondence saying that they received a duplicate application. I put additional security features on my acct and changed passwords.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77550
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I submitted a dispute regarding my credit report to XXXX XXXX XXXX. They had reported a late payment to various credit bureaus. I notified them the late payment was because of an error on their side, I had no idea there was any charge pending on my credit card, and had not been notified of any charge. They conceded and refunded me all late fees. However, they did not take any action to notify the credit bureaus the late payment report was in error or have that item removed from my credit report. Shortly after I submitted the dispute, they just closed my credit card without any notification. It was very clearly retaliation because I had filed a dispute with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, Around late XX/XX/2021 I requested a balance transfer from XXXX Credit Card ( Provided by XXXX XXXX ) to US Bank. Shortly after ( first week of XXXX ) I reached out to both XXXX ( Which said I need to contact US Bank ) and US Bank ( Which was told by their representative that the transaction will be canceled ). Fast forward to XX/XX/2021, I received a bill from US Bank regarding that balance ( original {$1100.00} plus {$33.00} fee ). I reached out multiple times to them and was told the money was sent to XXXX which is not even my bank and they refuse to fix the problem they created.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was in a forbearance plan due to XXXX for 18 months. US Bank sent me a packet to fill out and return to accept the offer of not being charged interest and add the amount that was excused to the back of the loan. The paperwork was filled out and sent. I went to pay my XXXX on the XXXX of XXXX and the system prompted me that it was not accepted and to call a number. At that point they told me that they sent out the wrong paperwork but then sent the right paperwork later. I was unsure of what they were talking about. So now that they sent the wrong paperwork that was sent back to them in a timely matter they're saying I don't qualify for these terms anymore. I spoke with a XXXX who was a XXXX there and seemed like he was a new XXXX in training. I don't have the money to pay the interest and penalties from the forebearance. I needed this option. Please help us. XXXX of us in the home have XXXX right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/2021 I received a package from : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I did not order or have not looked online for buying male enhancement pills or other type information. I tried to look up the UPS tracking number which took me to another site requesting access to my online information. Since there was no packing slip or information provided I did not return the package for concerns that I would have no proof of return & concerns of fraud. XX/XX/2021 I received in my mailbox, a US bank - State Farm credit card billing statement for XXXX, 2021 in the amount of {$4900.00} charging for this unauthorized package. Due to be paid in full by XX/XX/2021. I did not authorize this credit card. I have no possession of this credit card. I had no knowledge of the credit card until receiving the statement in the mail. I am reporting the shipping address to the XXXX XXXX Police Dept. I am reporting the information to the Florida Attorney Generals Office. Bottom line is none of this has been authorized by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I part took in the US BANKS forbearance program for about 12 months until I was no longer in financial hardship. I notified the bank and I was given the option to modify the loan which I have done so and I'm actively making payments since contractual signing. The issue that's occurring is my XXXX score is showing serious delinquency ( 60 days past due or greater ) derogatory indicator on my account. This is not accurate. I have made all payments in cooperation with the forbearance program, on time and current. I have called XXXX, XXXX, and XXXX. They all confirmed I do not have an account in this standing and were unable to help file a dispute. I have received hard copy credit reports to confirm. I also called USBank and they confirmed they are not reporting any negative marks on my credit. This issue has caused me to be denied credit lines recently and it dropped my XXXX score by about XXXX points. My credit report is at 18 % utilization and current, yet it's being damaged by this derogatory mark. If this is a result of the forbearance, my credit is protected under the cares act, and they are to report the account as current, not delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX I learned that my credit card account was closed by the company and that this reduced my credit score by XXXX XXXX while I was in the middle of applying for a mortgage for which my credit score was vital ; this can potentially result in my mortgage application being rejected or my suffering thousands of dollars in extra interest payments due to higher interest rates. I called the credit card company and they claimed they closed the account on XX/XX/XXXX because they had returned mail because I had moved. It does not make sense that they did not have my correct address because I had updated my address in XXXX for the brokerage account for which this credit card is linked. It is complete incompetence on their part not having the correct address and they are not taking any responsibility for the damages or doing anything to remedy it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Other service problem
Subissue:
Consumer Complaint: My issue is trying to cash a U.S. Savings bonds that I bought at this institution ( U.S. Bank ) many years ago and now without warning they have suspended cashing of bonds and referred me to TreasuryDirect.gov. The US Bank website says they can provide notary services which is needed in the mail process of cashing bonds over {$1000.00}, but will " temporarily '' not cash U.S. Savings Bonds due to fraud. I have been a US Bank customer for 30ish years and have cashed a bond at this institution about a month ago. I went into a U.S. Bank branch in XXXX Missouri on XX/XX/XXXX where I was told they would not accept U.S. Savings Bonds for redemption due to high fraud. The teller then directed me to the TreasuryDirect.gov website. It is interesting that on the TreasureDirect.gov site it says cashing is easy as over 95 % of banks cash them ( not US Bank ). I read up on the mail in process at TreasuryDirect.gov then downloaded the form and completed it with the exception of the notary service. On XX/XX/XXXX I went to the U.S. Bank in XXXX Missouri where I was told they do not do notary work on the weekend and I should try UPS. After going to UPS I was not ready to pay a {$10.00} fee for two needed signature notaries. This is a major issue when an institution acts as an agent and sells a financial note and then decides they no longer honor the note ( a U.S. Savings Bond should be secure ). I am an older customer and this makes life extremely difficult trying to get access to my retirement funds. After being a customer of US Bank for so many years they should trust me by now and honor the bonds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 at XXXX I received a text from U.S. Bank ( this is the bank card that Texas XXXX XXXX deposited my unemployment money on ) stating that an ATM withdrawal of {$200.00} had posted on my account. I immediately called U.S. Bank customer service at XXXX because : XXXX. I did not authorize this transaction XXXX. My balance was lower than it should have been. XXXX. I had my card ( XXXX XXXX XXXX XXXX ) in my possession and had not used it. When I called US Bank, I was greeted by a representative that asked me for my card number, social security number and address. I then explained to her that I received a text stating ATM charges. After explaining she stated to me that in the beginning of XXXX someone had called in without all of my correct information and changed my address from XXXX XXXX XXXX XXXX, XXXX TX. XXXX to a new address on the east coast. And also had a new card sent to this new address. She also said that my account had been marked as possible fraud alert. She said that there was nothing else she could do but to transfer me over to the fraud department. After being transferred to the fraud department the representative took my information and opened up claim. The claim stated that I had not authorized XXXX charges that had posted on my account. I was told I needed to write a statement saying I did not authorize charges and it must be received with XXXX days. The representative also said that they couldnt change my address back to my address back to the original address of XXXX XXXX XXXX XXXX, XXXX, TX. XXXX because she stated, that in the State of Texas it is illegal for U.S. Bank to change the address for any card holder account that address is in Texas that I would need to contact the Texas XXXX XXXX ( TWC ). I replied to the rep then how did my address get changed in the beginning of XXXX it was not XXXX. I asked for a supervisor and the supervisor told me the exact same thing that it is against the law for U.S. Bank to change the address. I then made over a dozen to calls over several days to the XXXX being transferred from XXXX department to another. I finally reached someone at the XXXX stating that she would open a ticket explaining my situation about my address being changed at U.S. Bank. The representative at XXXX stated that my address had not changed therefore she didnt think anything could be done from the XXXX side but she still opened a ticket. Approximately XXXX business days later I called U.S. Bank and gave them my information and was told that they couldnt give me any information on my account because the address does not match whats on file for me. I asked for a supervisor and was transferred to the supervisor which told me I had to call the XXXX to get my address changed. After numerous calls I was told by the XXXX to put in a complaint to CFPB regarding U.S. Bank and maybe it will be resolved once and for all. I still have a balance on in this debit card and can not access my money because I can not change the address to get a new card sent to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79602
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A