Date Received: 2021-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX and friends.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
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: On XX/XX/XXXX our XXXX XXXX was used at the XXXX XXXX XXXX in XXXX XXXX Texas by someone other than ourselves in the amount of {$140.00}. We live in the XXXX area which is a little over three hours away and was not in XXXX XXXX that day. Unlike XXXX, who has called us on several occasions about suspicious charges and taken them off when we said we did not make the suspicious purchase in question, we heard nothing from XXXX. My wife discovered the charge when reviewing our statement and called them on XX/XX/XXXX. They credited our account on XX/XX/XXXX and then reversed the credit, putting the charge back on our account on XX/XX/XXXX. Despite many calls to XXXX XXXX they refuse to take the charge off. On one occasion the XXXX rep stated that it had to be us making the charge because it would be impossible to commit fraud because of the chip. This is insulting and ludicrous. Thieves figure ways to commit credit card fraud without the chip constantly. Case in point : fraud on our XXXX card that has happened several times. Our latest call was today. My wife discovered today that they had closed the case but it was reopened. My wife asked to speak to a supervisor but that did not occur. On XX/XX/XXXX my wife has been given the number of a case processor ( XXXX ) who stated on voice mail that she would return the call by the next day. My wife asked what the signature on the XXXX XXXX charge looked like ; a XXXX rep said it was illegible. Our signatures are legible and we offered to send copies of our signature from old checks. This would clear up the whole problem by comparing signatures. Today the lady on the phone did not seem to grasp that if they really wanted to clarify the problem that this would do it. We would not suddenly use an illegible signature if our normal signature was legible. She said we could do that but they are not asking for that at this time. This is claim no. XXXX per XXXX XXXX XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I paid, via bill pay, {$500.00} to my credit card at XXXX on XX/XX/2021, the payment was never made and the bank kept my money. The initial refund and admittance to the payment not being made was on XX/XX/2021. Then an authorized debit of {$500.00} was done on XXXX XXXX. They initially refused to start a dispute on XX/XX/2021 And XX/XX/XXXX and then again on XX/XX/2021. Finally I had a dispute started again on XX/XX/2021. I have not received any notification of any action thus far.
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: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021, I was scammed in the amount of {$1400.00} through US Banks platform via XXXX. I received a call from a guy and he stated he was calling from XXXX. He stated that someone was trying to use my debit card at XXXX, ordering a {$1500.00} iphone. He asked me to go online to XXXX, fill-out claim form to have money refunded. I continued to the XXXX site which he walked me through, which looked legit, filled out claim form and clicked GET REFUND MONEY. After that, he had me to go to another website, clicking on different buttons, and unbeknownst to me, he had access to my computer. Once he had access, without my knowledge, he told me to go to my online banking to see if money was refunded and at that time, my screen went blank. I asked why is my screen blank, he stated dont turn it on. I stated I already turned it on. Apparently, at this time, he had access to my computer and bank information and quickly did a XXXX transfer to himself. The name the XXXX was transferred to is XXXX XXXX, phone number : ( XXXX ) XXXX. Once I realized what had been done, I quickly contacted US Bank and reported this fraud/scam transaction. US Bank put account on hold pending fraud investigation. When the fraud investigation was completed, XXXX stated that XXXX denied my claim. XXXX further stated that their FDIC does not cover third-party fraud claims. Could you please be so kind and help with this issue. Thank you for your time and consideration. Should you have any further questions, please feel free to contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: hi, I have paid locker rent for 1 year due to my job transfer I moved from XXXX, XXXX to XXXX XXXX during that time I requested prorated amount to be calculated for my locker rent. Before opening the locker they mentioned that locker rent will be calculated based on the usage/prorated. My locker : XXXX for the year XXXX XX/XX/XXXX. I closed the locker around XXXX or XXXX of XX/XX/XXXX. I called the US bank XXXX XXXX XXXX but no reply or update properly. I have written 2 letters to US bank XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, XXXX but no response. I paid XXXX dollars rent for XXXX safebox used for 2 months so if we calculate I should get approx. : XXXX dollars. Please look into it and issue the credit of XXXX dollars with interest. Attached the safe-deposit locker rent copy. Thanks XXXX XXXX XXXX ph : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US Bank put a hard inquiry to my account without my consent or knowledge. Instead they pretended to offer me a credit increase and 'asked ' me a few simple questions about my household income without informing me that this would put a hard inquiry on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: So Ive been trying to open a bank account, most banks told me that they require a proof of address which was holding me back because I live with my parents. Us Bank told me that I didnt need one to open an account. That was until I opened an account and cashed my payroll check. I was told I would get XXXX $ of the check instantly, and the rest would clear in 5 days, they gave me a temporary card and I thought I was satisfied with my experience at us bank. That was until about 24 hours went by and they put a hold on my account, apparently I need a proof of address, that was never once disclosed to me in person. I was told after they had my money. So far no one at the us bank branch in XXXX has been able to help at all .theyre just holding my money hostage after lying to me. It obvious that this is a scam they run often because they wont send me anything about the hold on my account, they only tell me in person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint may have to be handled by the Federal gov. This is about holds made on out of country purchases and especially the amount of time held to clear money being held. I made purchase out of country and someone took out the full amount plus charge for doing purchase then XXXX hours larer took out the actual amount and now gets to keep the first withdrawl for 10 days without paying interest and most important locks up that first withdrawl so I can not use funds for 10 days. If I had {$1000.00} in my account and bought something for {$500.00} and this practice takes out {$500.00} plus their fee to hold then when they do take out the original purchase there would only be {$490.00} in account. If a check can be cleared in XXXX hours so should debit cards. This happened with US BANK but it sounds like other banks do the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83843
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Scammers called my bank and informed them that I had lost my debit card and change my address to their. These are the same people that scammed me out of over XXXX They continue to harass me.telling me that the police can not do anything because this is not a criminal suite but a civil suite . NO one will help me I have contacted XXXXgovernment entities to my dispute I am on my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: U.S Bank issued me a XXXX debit card ( U.S. BankReliaCard ) for unemployment benefits. I did not request this card nor have I filed for unemployment. I've tried to report this to the XXXX XXXX XXXX XXXX XXXX XXXX but I'm not certain that I was able to. On XXXX, I called XXXX XXXXXXXX XXXX XXXX, got the automated line, and selected the option for the U.S. BankReliacard. I spoke to whom I believe was a US Bank representative who said she deactivated my account. I say I believe she was with US Bank because it took her very long to respond to questions and she did not seem certain or knowledgeable about her responses ... Not very professional. She did not provide a case number and said that " authorities '' looking into this could access the info with the account number that was opened under my name. The XXXX unemployment benefits card/unemployment benefits was requested -- not by me -- more or less on XX/XX/2021. I received the card in the mail more or less XX/XX/2021 ( I was on vacation/out of town and got the card when I returned on XX/XX/2021. ) U.S. Bank says that the card had not yet been activated or used. In XX/XX/2021 ( more or less ) I initiated a security freeze after learning that XXXX was hacked and their customer 's account info was stolen. I also received a letter from XXXX XXXX saying that my request to open an account ( can't tell if it's a bank account or credit account ) was denied. I never contacted XXXX XXXX to open an account. The letter was dated XX/XX/2021. I called XXXX XXXX and informed their Customer Advocacy department. My case # is XXXX. Thankfully, they denied " my '' request for an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A