Date Received: 2021-10-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The issue is to stop XXXX XXXX from going through my account. It has been requested by email and telephone and XXXX complaint. I received a call stating ot was resolved but recently I see the charge is still going through. I need to stop the charges from XXXX to current and BLOCK the merchant. On XXXX XXXX while speaking with XXXX a Manager, he disconnected the call after I repeated what he said or sounded like he said and he responds that " We are not taking it there '' I am trying to find out what is he talking about, Though I came through fully verified, XXXX requested my social security number and next thing he tried to send me to one of the branches. Needless to say I am more than 90 miles away. ) Then, he disconnected the after stating the above. I just wanted to speak with a manager after I requested one last week.
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: 2021-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a US bank credit card on XX/XX/21 from their promotional website promising {$500.00} in rewards for spending {$3000.00} within a 120 day time period. When I received the card I found that the card had a credit limit of {$500.00} ( see attachments ). When I called to complain to US bank I was offered no explanation other than to speak with their underwriting dept and was transferred to that department but left on hold for 12 minutes and then disconnected.I called back to speak with a supervisor ( XXXX? ) who was no help whatsoever and said it was still technically possible to reach the bonus even with a XXXX spending limit. I told her my credit score is 800+ and there would be no reason for the spending cap other than just a bait and switch tactic on the part of the bank and of course I would never have applied in the first place if I thought this would happen. On top of everything, the card has an annual fee ( waived the first year ). The conversation was recorded by the bank so they should have record of my call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello, Please look at page 14 of the document I provided. I have dispute the US Bank account on my XXXX credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. XXXX is the only reporting agency that hasn't removed the account. I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because XXXX inaccurately reports it as a charge off for 39 random months after the original charge off. Instead of 1 charge off at shows at 43 negative events. This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how US Bank and XXXX report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. This data is inaccurate and hurts my otherwise responsible credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: The exact issue I have with U.S. Bank is around the misleading and inaccurate information they provided. Due to their information, I took actions which ended up incurring financial damages to myself and my family, which could have been avoided had their practices been honest and straightforward. On XX/XX/XXXX, I had received a check which I deposited into my account. The amount was for {$3900.00}, but ended up being a scam. I had been talking with " XXXX XXXX '' ( who ended up being a scam ), for a little over a week. The nature of the conversation was due to a roommate transfer. When the check came in, things started to seem odd. I began to question the validity of the transaction. I deposited the check via the " Mobile Deposit '' feature on the bank app. The message that comes up says, " you will be given a loan of {$220.00} until the check clears, at which time you will receive the remainder of the amount. '' I have deposited enough checks to know the process. So, I deposited the check and told " XXXX '' that no money was going to transfer until the check cleared. The next day, when I checked on my account, the money had gone in, and when I checked the status of the check, it had said cleared on it. After that, I concluded that the check was good and it was simply a strange situation. I proceeded with a money transfer with " XXXX '' at which time she sent another check for a different amount. Later that day, on XX/XX/XXXX, I checked the status of my account and saw that I had gone almost {$800.00} in the negative. It turns out the check was flagged for being a fraudulent check, and the {$3900.00} loan was pulled from my account. I immediately called my branch, and talked with them about the situation, which we stopped the second check from moving forward. She filed a fraud claim, and I had filed a report as well as claim with XXXX. When I checked the online portal, the check remained saying " cleared '' for 24 hours even after my checking account had the amount rescinded. I diligently checked the status of the fraud claim until it came back as " declined '' because I had willingly given the money. XXXX has yet to contact me at all, while U.S. Bank has simply told me that " this just happens '' or " yeah, I've seen this a lot. '' After getting the fraud case declined, I proceeded to try 3 different times ( twice calling, and once in the branch ) talking with U.S. Bank about a resolution to the misleading information and how I felt I was a victim of their poor practice. They said that the check was up to review for at least 5 days, and that U.S. Bank makes it a practice to give " good faith loans '' of the check amount. I had said that their information on the mobile app did not reflect that information, and that if I had known the specifics of bank to bank communications, I could have waited until the check was definitively cleared or declined. Instead, they said they would remove the {$19.00} bounced check fee because I had alerted them early enough. After being with them for well over 10 years, this feels like a slap to the face ; the least they could do is take responsibility for their verbiage instead of pushing blame. I am willing to accept that I had deposited a bad check and that I made a mistake. But when U.S. Bank gives specific information about the status of money - even to the point that XXXX is able to transfer money ( keep in mind, XXXX won't transfer an amount that is not in your checking account, which includes pending transactions )- I feel like U.S. Bank needs to update their practices and make right their misinformation. I do not understand how I am expected to trust a financial organization with these practices in an economy that is so digital and fast-paced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am a new immigrant in the United States for 9 months, I opened a check account at US bank with the online banking option, every day I receive several phone calls and messages that offer me bank loans, one day I myself am interested in changing my car and I submitted an application for a car loan, then I received a phone call asking me for personal information as well if I work and in which company and how I am paid, I have him explain that I work with XXXX cubes and I receive my salary by direct transfer to my bank account, he asked me to see the last two paystubs and he told me to show me my bank statement, and he asked me to connect to my bank account, then he received my username and my password, suddenly my online account was blocked and I had to phone my customer service bank to unblock me and give me access back to my account, unhappy She couldn't, but I couldn't understand why because my level in English is still low, after 2 hours I received a telephone from US bank and another assistant talking to me with an American accent that was very difficult to understand and a poor quality of hands-free network because I drive my car and seeing that I thought it will solve the blocked account problem, it made me understand that my bank account will be closed. I was too surprised because I could not imagine the reason for this decision, the next day I went to the branch in XXXX and I spoke with the manager of the bank who tried to help me by calling the appropriate service but unfortunately they refused to resolve my situation and either I could not withdraw my funds, I explained to him that I need my money because I have payments to make to pay my rent and my bill and my medications and to ache take food, etc... His answer was no and that I will receive my money within 30 to 45 days, I was too upset because I work hard every day and to receive my pay and my bank blocks me, so what good is a bank if it does not provide a service. In addition I had to ask my employer to change the account number to another bank for my payroll. I wanted to draw attention to my experience and the badly with the difficulties that I am facing on this incident especially since I do not yet master English, if the assistant noticed that I do not understand it is her fault to continue asking me questions, she should have given me an interpreter at least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A mortgage account that I had with US Bank was closed and paid in full back in XX/XX/XXXX. Due to divorce proceedings, there was a foreclosure at this time. US Bank continues to list this account as foreclosed in XX/XX/XXXX which is completely wrong and has been negatively affecting my FICO score drastically, thus, affecting my rates on insurance and other loans costing me money. I have contacted US Bank several times, yet they refused to correct the error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I owed US Bank approximately {$600.00} on a closed account and approximately {$820.00} on another closed account. On XX/XX/21 I paid both these amounts in full over the phone, I used my current XXXX XXXX XXXX account. In the next few days they charged me twice on each amount leaving me with no money for rent, when I called they said it was my fault and I over paid, this was not true I only paid once while on the phone with them. They said my return could take weeks but they would issue me a check. Then I find out my wife 's account was charged {$600.00} as well, this means her money was stolen by US Bank, she filed a complaint with her Credit Union and said this was fraudulent because it is. That means they charged {$600.00} three times instead of once. Please help us. US Bank stole thousands from us leaving us with no money for Rent or food. The total they stole was {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: US Bank is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need US Bank to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A