Date Received: 2021-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card with US Bank was suspended because of suspicious charges. Before being notified, I noticed the- charges and attempted to contact bank on XX/XX/21. I could not be connected to fraud specialist at the bank. I sat on hold for XXXX minutes+. I called daily several times a day until XX/XX/21. I waited for 30 minutes+ and was never connected to a person. I went to the physical bank in XXXX XXXX, il and talked to them there. I was told that I had to call fraud prevention to remedy my problem. I tried calling again.and was never connected to a person. This is the XXXX time my credit card has been hacked this bank. I fear that there may larger data breaches happening that put consumers at risk. Also, I am not sure how to try to remedy this situation if there is no way to contact US Bank. Any help would be greatly appreciated! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60487
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2021, I saw an ad for a US Bank credit card advertising 0 % interest on balance transfers for 20 months. It said it was only for people with credit of 680 or above. I know mine is well over that and I could really use to transfer a {$9000.00} balance card that I have to a low or no interest card to help get it paid down, so I went through the online process and they came back with {$600.00} as my credit limit, after specifically asking me how much I would plan to transfer if approved. Why would anyone bother taking out a credit card for {$600.00}?? They knew my requested balance transfer amount beforehand and " approved '' me for the {$600.00} within seconds. So I immediately called the company to see what kind of mistake was made because I've never been turned down for a card or a loan, I've always had great credit, and I've never been given some joke of an offer like this one. They had no explanation so I told them DO NOT PROCESS this application and DO NOT OPEN AN ACCOUNT in my name. They did anyway. I got the cards in the mail a few days later. I have closed the account but I want this removed from my credit report because of the misleading ad getting me to apply for something that NO ONE in their right mind would apply for had the terms been clear. It was clearly leading consumers to believe they would be given a substantial ( usable ) credit limit as it was for " platinum '' members only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57201
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone in Arizona is using my social security number to open bank accounts. Sorry if this is not the correct place to report, the FTC website is very confusing and sends me here. I work in XXXX so I'm not computer illiterate, the website just needs a big button labeled " Report Identity Theft ''. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: Hi there, We leased a XXXX XXXXs from the XXXX XXXX in XX/XX/XXXX, which was financed by US Bank. The Lease ended XX/XX/XXXX, in which we returned the vehicle. We have never had a late payment. Returning the vehicle was a nightmare in it's own right, with the US Bank Lease department calling multiple times with threats stating that we never returned the car, eventually confirming that it was returned. We called multiple times in XX/XX/XXXX asking for confirmation that the account was closed and everything was in good standing. Fast forward 1 year. It's now been a year and US Bank is calling stating we owe {$600.00} for end of lease fees, and that they have been sending us notifications for the last year, which they haven't. When attempting to access our US Bank account, the account online has been closed and we have no access to the account or any of the statements in question. They are also unwilling to provide us with any of the 'statements ' they state they have been sending us monthly for the last year. Additionally, upon review of both my XXXX account and XXXX, the US Bank account is listed as closed as of XX/XX/XXXX, with a XXXX balance and all payments made in full. However, US Bank is still calling stating that we owe this money threatening to send us to collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98028
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 1. US BK HM MTG Account Number : Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 120 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 180 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with US BANK HOME MORTGAGE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was offered {$75.00} after spending at least {$37.00} twice with XXXX. I did this and earned it in XXXX. I called US Bank and have offered pictures ( attached ) and they confirmed that I qualify after being transferred to multiple departments with incompetent people. They have still not offered me the credit. Per their terms, also attached, I'm supposed to receive this offer in 5-7 business days from XX/XX/XXXX. It's shows that I have earned it but they won't pay me per their promotions. It's now XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I started my US bank business account XXXX routing # XXXX XX/XX/2013! I was only able to use my account for a couple months because of the fraudulent accounts being used! Someone took account information of mine and fraudulently moved my account to routing # XXXX and fraudulently opened XXXX and account XXXX routing # XXXX and account XXXX routing numbers XXXX and routing # XXXX which is a different state! I was recently informed every account is still open and under my information but these local US bank managers XXXX XXXX and others have fraudulently kept me out of my account and funds since i opened my account! I started XXXX XX/XX/2013 and linked it to my US account XXXX routing number XXXX and have not been able to use my funds since XX/XX/2013! Now my square account XXXX is showing as a US bank federal account! It is a shorter version of my XXXX that i have never been able to use because of the fraud going on!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63020
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
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: 2021-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As US Bank is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The US Bank fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the US Bank account opened in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: We were told we had to open a checking account with US bank when we refinanced our house with them. The checking account was opened and was not used. When we got the HELOC with them in XXXX ( 6 months after account opening ), we were told that we had to us the checking account for a direct debit. We left enough money in the account just to cover the debit. In XX/XX/XXXX, we went through another refinance and paid off the HELOC with US Bank ( $ XXXX ), AND we paid off a $ XXXX credit card that we had with them. We were told that since the bank account ( in branch ) was attached to the HELOC that it would be closed at the same time. Fast forward to XX/XX/XXXX, I find out that our account was closed, charged off and being reported to check systems for a unpaid balance of {$200.00}. I called on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX to get answers and see what happened. That is where the XXXX started. First, I would not have paid off over $ XXXX in debt to US bank to leave a charge off balance of {$290.00}. it makes no sense. I tried to tell US bank this, and all representatives agreed. Then, I found out that they charged me another payment AFTER the payoff was made ( they made an error in calculating the payoff ) and charged me fees for two months until the account was closed- hence the balance. I submitted a complaint, the only thing they did was send me my bank statements. I appealed the complaint, again, no resolution. I called and tried to make a payment on the account, only to find the account has several issues. 1. The account was coded wrong as a " litigation '', when in fact i got to that department, they said it was not with them. The account was not housed anywhere to even pay and no representatives would help. I was sent to 6 different departments on XX/XX/XXXX alone. I called Recoveries, Account services, Litigation, customer service, and collections. I called 3 levels of managers and left a total of 7 voicemails for XXXX, XXXX, and XXXX. No return calls. 2. When I got the social media team involved, XXXX also called with me to recoveries to try to make the payment. Not only is the account coded wrong, my NAME ( XXXX XXXX ) was not even on the account- only my social. So she could not even make a payment! 4 times we called trying to make payments and not a single person could take a payment because the account was not set up properly and had some issues associated with it. This information was submitted back through the social media team to corporate, who did not even address this. Issues : 1. The account I am being penalized for is not even set up correctly with correct information. My name is not on the account and it is coded improperly. 2. I am being penalized for an account I can not even make a payment on. This has been going on since XX/XX/XXXX. 3. I am not getting return calls from the Bank, its managers or anyone who promises to " fix '' this issue. The continue to drag me through a process of appeals, when in fact, I can not even pay. This should have already been resolved and cancelled. 4. In addition to the fact I can not even pay the balance, this account should have been CLOSED at the time of the HELOC being closed. 5. This account does not even have my data correct in it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A