Date Received: 2021-10-12
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: Card company closed may account and did not notify me that they were going to do so. Now they will not provide statement copies. I did not have statements mailed as i could get them on line
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am a consumer, and have been violated according to 12 CFR 1026.13 ( d ) ( 2 ) that states : " Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' U.S. Bank National Association has reported information of a delinquent account ( 30 day late ) that is in a billing error status on XXXX XXXX to the credit reporting agencies. On several occasions I had requested clarification of the billing error both by recorded phone call on XX/XX/2021 at XXXX PST, as well as by USPS Certified Mail with included Certificate of Mailing form XXXX on XX/XX/XXXX, XX/XX/XXXX and most recently on XXXX XXXX in accordance with 12 C.F.R. 226.13 ( d ) " Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date ; ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. also 15 U.S.C. 1666 ( b ) ( 2 ) " A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. '' ; U.S. Bank N.A. has violated the terms of billing error and has not provided any requested documentary evidence to satisfy such claims of debt. '' On XX/XX/2021, while the account in question has been in dispute for a billing error, U.S. Bank National Association had reported my personal information to the credit reporting agencies without my expressed written consent. 15 U.S.C. 1681b ( 2 ) states : " In accordance with the written instructions of the consumer to whom it relates. '' I, the consumer was not given the opportunity ; written or oral, to " opt-out '' according to 12 C.F.R. 1016.7 by U.S. Bank National Association prior to reporting this false information that is currently in a billing error status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92701
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: credit discrimination. submitted secured credit application to initiate a consumer credit transaction on XX/XX/XXXX as natural person applicant, 5 USC 551 ( 11 ) Social Security Administration cardholder, beneficiary, 15 USC 1692a ( 3 ) ( 4 ) consumer and creditor. US Bank discriminated my right to extend credit creating a debt, to incur debt and defer payment per 12 CFR 226.2 ( 12 ) ( 14 ) in violation of prohibited basis good faith reliance of Truth in Lending secured right despite request for reconsideration of my unrestricted right of incur debt. US Bank alleges that reason for denial is due to unverified ( unsworn ) claim of serious delinquency too few accounts currently paid as agreed. This is deceptive and unfair practice to discriminate inherent secured right of credit on unverifiable hearsay information. US Bank has used communication means the conveying of information regarding a debt ... indirectly to any person through any medium to state that such consumer owes any debt in violation of FDCPA 15 USC 1692a2 and 15 USC 1692b2. 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is " obtained '' through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific " factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency '' when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX is not neighbors, friends, or associates of the consumer. US Bank discriminated my right to a consumer credit account illegally per 15 USC 1 for 15 USC 1692a3 alleged ( unverified/unsworn ) obligations. US Bank has induced a disability in depriving right to credit despite collateral secured credit application obtained from consumer. see exhibits and bill of particulars for violations of US Bank to assume the role of debt collector. 15 USC 1681 ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers.15 U.S. Code 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I have a right to credit per 15 USC 1602 open end credit plan. US Bank has unlawfully converted this right to credit under color of custom 42 USC 1983 into a privilege subject to a 3rd parties unverified information and credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: US Bank, National Association Acct / XXXX XXXX US Bank is foreclosing on my home. After the foreclosure moratorium was lifted, was not given any loss mitigation options and they immediately applied for a sherriff sale date in XX/XX/2021. I was not given any loan modification options. My wife was laid off during the pandemic but now we are both working and we could afford to make the monthly payment if we are able to get a modification with an interest rate reduction. US Bank refuses to speak to me about loss mitigation or a modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15044
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I started a refinance on a property I owed with U.S. Bank on XXXX. They approached me about doing the refinance. I owe approximately $ XXXX on current loan. They assured me a better rate. Appraisal was done with a value of $ XXXX. I always gave them any documents requested within 24 hrs of request. Underwriting couldn't get loan processed within the 30 days. I was sent loan denial by mail on XX/XX/XXXX. I was assured loan would go through and was assured a loan rate of 2 %. On XX/XX/XXXX underwriting again did not get loan processed. They then asked to do a credit check and I needed to resubmit all bank documents again. I have a credit score of XXXX. I was not willing to give them the documents again and the loan is cancelled. The treatment I received by U.S. Bank was absolutely horrible and humiliatingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
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 contacted the credit bureaus and US BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I had a {$100.00} prepaid gift card that shows the website XXXX It appears to be a US Bank National Association card. When I tried to use my first card it would not work so the company said they would issue a new card which they did. I then tried to use the replacement card in several places and was told that it would not work. I recently tried to use it but since it would not work I had to give the merchant my credit card instead. When I went to look at the gift card balance, it then told me that indeed the card worked and that {$97.00} was taken off of it. When I called the 800 number on the back of the gift card I was told that they could not give me any information since the card was registered under someone else. They sent me this card so I have no idea why it is registered under a different name? That being said, this company should be shut down. They issue these cards and you can never seem to use them. They also do not provide support when needed. I have had problems with this same company in the past. I wish the government would thoroughly investigate their fraudulent practices as they are " stealing '' lots of money since the cards are so hard to redeem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, at XXXX XXXX I gave a delivery driver a tip for {$12.00} on a check. The date on the check was XX/XX/XXXX. On XX/XX/XXXX, the check was cashed for {$1200.00}. The check is clearly altered. The word line says XXXX XXXX with XXXX written over dollars. The box says {$1200.00} On XX/XX/XXXX, I reported this as fraudulent to XXXX. The fraud department said they may have to close down my accounts. No information was given as to when. In this initial conversation I was told I'd get provisional credit ten days after I submitted the documents needed to fraud. On XX/XX/XXXX, I arrived at my bank to get money out. I asked the teller if I could still remove funds given what had been told to me by fraud. He assured me nothing would change on my account. In the following week, my account was shut off. I had to run to get everything changed for vendors and direct deposit. My work was switching over their payroll system and I had to run in to change things. I updated that on XX/XX/XXXX. My phone was turned off before I realized my account was closed. I updated my mortgage payment one day before it bounced. In subsequent conversations, I was then told that I needed to submit the documents within 10 days or nothing would be returned. I did not receive the documents until XX/XX/XXXX. I was told I opted to have them mailed. So I was under the understanding that I have the remaining business days of this week to get that in. The documents clearly state I have 30 days to get it in. Then I followed up with bankers this week. I was concerned about whether payroll would have been updated soon enough. In these conversations, I was told that I would not be given any provisional credit and that my home branch could opt in their discretion to give me back a portion until I got by. I was then routed to the XXXX XXXX XXXX location that does not even have voicemail. From XX/XX/XXXX through XX/XX/XXXX, I was hit with three I've overdraft fees of {$36.00}. No mention to me that I wouldn't have the bounce protection I had on my old account. Even if I had been informed, I was running all over town making sure I wouldn't be in default. I informed USBank the predicament with the XXXX branch being closed. I was then informed that I was in the private client group and maybe that they would give me credit in their discretion. I spoke with them. They set up an ACH redirect for the old account to the new account. They were unable to tell me when I would get that ACH redirect. One person told me on Tuesday, XX/XX/XXXX would be the earliest. Now I realize there is less protection for paper fraud. But how in the world is this permissible? How can their very clear error be so egregiously be set on me to the point I'm paying more than {$100.00} in overdraft fees?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2021 I paid {$800.00} down payment on a service, using the XXXX app via my USBank checking account. The service was not done. I contacted the bank to file a claim and was told that because i used XXXX. there is no way the bank can submit a fraud claim. I was also informed that a notation while using XXXX stated that if i didnt know the recipient I should not complete this transaction. I contend that there is not enough protection for consumers against fraud using this service, As the intermediary in the transaction process, i think it would be prudent of my bank to be able to claim from the receiver on my behalf. This would offer more protection and dissuade fraudsters from defrauding unsuspecting consumers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I did have a secured credit card with Fulton Bank/US Bancorp with a deposit amount of {$3100.00}. As my credit score grew into the 800 's I started to transition into regular credit cards from secured cards because my creditworthiness didn't warrant secured cards anymore. I phoned Fulton Bank 's credit card customer service department and told them my goal was two fold : 1. A better interest rate ( APR ) a higher credit to reflect my current credit worthiness. What Fulton Bank ended up doing was simply making a transition from a secured card to an unsecured card and simply making transferring the same interest rate and credit limit to this new account. This is not what I asked for, and their terms don't reflect my current credit worthiness. I telephoned the customer service department numerous times and spoke to four or five supervisors and they said that everything was done correctly. I asked to speak to their credit card underwriting department and they informed me not only once but three times that Fulton Bank 's customer service department did not process my credit card request properly. They should have taken a whole new application and upon this being approved and a new card issued it would have reflected a totally new credit limit and new APR based on my creditworthiness. The underwriting department told me that simply making a transition from a secured card to an unsecured card would not have necessarily given me the appropriate APR and new credit line based on my current creditworthiness. I informed Fulton Bank 's customer service of what the underwriting department said and they were adamant that they process this request correctly when clearly they did not basked on my criteria and my goals to switch to a regular Fulton Bank credit card. After numerous hours on the phone and getting nowhere fast with the representatives or supervisors I drove to one of my local Fulton Bank branches here in XXXX, Maryland ans I explained my entire situation as the representatives took notes and the Branch Manager a Mr. XXXX listened in said they would investigate the situation and give me a phone call. About one and a half weeks later I had not heard anything from the branch so while I was doing errands I drove by the branch and spoke to two branch representatives. Since the branch manager was supposidly tied up with a conference call and could not help I once again explained the situation to the two women and one of the women behind the counter kept asking me well what do you want me or ( us ) to do????? and kept asking me to repeat at least twice what the problem was. She was rude and disrespectful to me to the point that I just said thank you and walked out because it was quite obvious that she couldn't of given a XXXX whether this problem was solved or not. I told her that I was there about a week and a half ago they should of had an answer by now but still no help. I was frustrated and angry so when I got home I called the branch and told the bank rep a woman by the name of XXXX I came to find out that I felt absolutely disgusted and sickened by her rude and condesending behavior at the branch and that I didn not want to come into that location and have anyone treat me in that fashion again. I asked that she have the branch manager call me and still no call. I gave her my cell phone number. This woman XXXX refused to give ma an employee id number or her last name and only identified the other woman 's name as XXXX. The branch manager 's name was a XXXX XXXX. A complete clown show by the representatives and a complete lack of professionalism from the branch manager by ignoring my complaint and not returning my phone calls. There were other patrons at the branch and the branch reps tried to make me look foolish and I was not having any of it. I simply walked out and called them from home. I then called Fulton Bank 's c/s department to report what had happened at the XXXX XXXX. branch and spoke to a supervisor by the name of XXXX. I got their bank 's CEO 's information and address as well as some other executive company information from him and informed him that I would be filing a complaint with CFPB as well as sending a personal certified letter to the CEO to inform him of this mess. I have informed Fulton that re applying all over again for a new card will percipitate a new hard pull on my credit report and this can affect your credit score and that since the application was not taken as " new '' I don't feel that they should have to pull a whole new report. It wasn't my fault that c/s XXXX this up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A