Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. XXXX Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX received phone call, confirmed contact info and relieved a letter stating they were a collection firm on behalf of us bank for a credit card opened in XXXX. This is a fraudulent charge, in no way is the account mine. I do not use us bank. They called me multiple times with threatening voice-mail, appealed for me to settle outside of court, said to expect to be served, and also called my mother with a threatening voice-mail. They sent an email of a " demand notice '' for me to sign to confirm. I did not do that or take further action with fjs. I spoke to us bank, they have no history of me having an account with them. The company that called me claims they are XXXX global - website : https : //fjsglobalcollect.com/ Phone number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX a payment was made from my checking account to a credit card that was not mine. My ex-husband and I have similar logins and somehow he was able to make that payment off my checking account. That issue has been resolved as he can no longer see my information on his login. I discovered the charge on XX/XX/XXXX ... a Sunday. I called US bank on Monday XX/XX/XXXX to figure out what happened. They apologized and said they would reverse the charge. I verified with my ex-husband that it was indeed his credit card payment that was made off my checking account. I have continually been in contact with US Bank and the local manager that keeps telling me the " back office '' is working on it. I spoke to him just this morning letting him know that it's now been a month since the payment came out of my account and since they still have not reversed the transaction I would be filing a complaint with CFPB. I have called them no less than 1 to 2 times per week and keep getting put off.
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: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XX/XX/23 I purchased a VISA Gift Card ( issued by US Bank ) for {$500.00} at a Kroger grocery store in XXXX XXXX, CO. The store properly Activated the card. I have remained in possession of the card at all times and have not shared or shown it to anyone. XX/XX/23 I went online to Register the card, which involved logging-in to the designated website using the cards credentials XXXX card number and XXXX XXXX XXXX on the back. At that time, I discovered the value on the card was {$260.00}, not the {$500.00} I had purchased. Panicked, I called the number on the card to report an apparent theft. After providing the cards credentials, I was asked for the registered name. When I gave my name, the phone call was terminated several times. After clicking around the cards Account online, I discovered the name & address of the person ( unknown to me ) who registered the card : braine sand, XXXX XXXX XXXX, XXXX XXXX, nv XXXX. ( Yes , street name spelled here as it appears on the Account. ) Also in the Account was information about the transactions made with this card : XX/XX/23 for {$1.00}, XXXX XXXX, XXXX, Florida, XXXX Pre-Authorization XXXX AM XX/XX/23 for {$230.00}, XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Purchase ( Domestic ) XXXX XXXX When I called back to the Customer Service number again that night, I knew to first ask to not be hung-up on and gave both the registered name and explained that it was not the same as my name that I was trying to report XXXX. I called this number 7 times that evening before finally being told to fax all the appropriate documentation and it would be reviewed for fraud : front/back of the card, purchase receipt, front/back of my ID, I also included a short letter explaining this sequence of events. Since the XXXX card number is white text and some of the cards background is very light, getting a readable copy of the card was difficult. I completed this task and sent the fax. As a result of this fraud-reporting, the card was de-activated and the remaining balance unable to be used. When I called a few days later to check on the status & receipt of the fax ( as instructed ), I was told that one of the images was insufficient and Id need to re-send everything. I completed this task. All of my phone encounters to this point were with customer service agents who seemed limited in the range of service options or information they could provide. XX/XX/23 I received a call from an unknow number and took a chance and answered it. It was the first person I spoke to who appeared to be able to provide me information about my case. She summarized the status of my claim ( I did not need to re-send the fax any more ), the Fraud/Theft claim was submitted and would be resolved within 90 days, and a card reimbursing me for the remaining value on the card after the theft ( {$260.00} ) would be sent to me. A separate card would be issued for the amount stolen ( {$230.00} ) if the investigation concluded in my favor. When I received the card reimbursing me for the remaining value on the original card following the theft ( {$260.00} ), I registered it at the website indicated on the sticker attached to the card. When I subsequently tried to use the card, it was declined multiple times at restaurants and brick-and-mortar retail locations. When I called back to the customer service number, I was told that this card was registered improperly, it got thrown into fraud, and Id need to repeat the faxing exercise again with this card. I completed that. I received another card in the mail accompanied by a letter dated XX/XX/23 indicating resolution of the error that occurred which prompted me to file the Fraud claim in the first place. This card was apparently replacing the {$230.00} that was stolen. I called the number on the card to register it first ( rather than using the online option as Id done previously ). I was told that phone registration was not necessary, just go online and register it there. This did not work. The website to register the card did not accept the cards credentials XXXX number and XXXX security code. I kept getting the message Try again. After a few failed attempts ( including a fresh browser window and re-checking the card number and entering it again ), I called the customer service number. I was told to either register it online, or they could transfer me to the Automated system to register the card. After explaining again that the online website did not accept the card, I agreed to be sent to the Automated system. When asked for my cards XXXX number, I entered it, and the system sent me to a phone rep the same call center I had just called! I rode this circle XXXX times on XXXX phone-call before insisting on another approach. Then the call-rep told me to press the # XXXX in the Automated system. I tried to explain that there were no options presented just silence while the call transferred then a voice saying to enter the XXXX card number. Pressing XXXX at this point would only be entering a card number! She told me to press XXXX during the silence while I waited for the transfer to the Automated system. This only triggered the after-call survey about your experience with the customer service agent. I had asked for the number of the Automated system so I could call it myself ( instead of being transferred ) and was told there is no number, I can not call the Automated system myself. No, I have not tried just using this card. I fear it will be thrown into Fraud for not being registered and Id need to repeat the faxing exercise yet again. These are the VISA debit cards in my possession : Card # XXXX, XXXX XXXX, {$500.00} ( original purchase ) Card # XXXX, XXXX XXXX, I think this was the replacement for the remaining balance {$260.00}. Card # XXXX, Code XXXX, I think this is the card that came with the resolution letter and should be for {$260.00}, but I can not register it so I dont know what its value is. I should have received a replacement for the {$260.00} card which I supposedly invalidated with improper registration but do not have another card for this. I do not have access to any of the original {$500.00} that I purchased a VISA gift card for. Can you help me get my {$500.00} back from US Bank, please?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Subject : XXXX XXXX US Bank Regarding Withheld Funds To Whom It May Concern, I am writing to file a formal complaint against US Bank for an ongoing issue concerning withheld funds in my account. My name is XXXX XXXX, and the account in question is with US Bank, account number ending in XXXX. On XX/XX/2023, I noticed that an amount of {$2000.00} was put on hold in my account without a clear explanation. Despite my attempts to resolve this matter directly with US Bank, the funds have not been released, causing me significant financial inconvenience. I have been a customer with US Bank for years, and this unexpected hold on my funds has not only disrupted my financial planning but also caused undue stress and hardship. I have contacted US Bank customer service multiple times since the incident, seeking clarification and a resolution. However, their response has been unsatisfactory, and the issue remains unresolved. I am requesting the CFPB 's assistance in this matter to : Request the bank give my money back because it belongs to me Facilitate the prompt release of my funds. Ensure such incidents do not recur, providing a clear explanation to prevent future misunderstandings. Please request the US Bank and any transaction details that might assist in your investigation. I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if you require any further information or clarification. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2023 I sent a Bill of exchange payment of {$2000.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon which turned it into a check. ( image XXXX XXXX ) for tracking information. I then called on XX/XX/2023 to see if there was an update on my payment. They said they did not receive any form of payment and that it could take longer sometimes for them to process mail payments. I then called XX/XX/2023 to see if there was an update and they still said that they never received a payment and that I should send another check or that I could pay on their app. I told them that I saw that the payment was received at the payment address on my billing statement on XX/XX/2023. They told me that it might have got lost in the system or that they never received it. I then explained if you lost my payment then per UCC 3-603 the amount due must be discharged. They ignored this and said I still owed the debt even though I sent in a legal tender of payment. I then received a letter in the mail from U.S. Bank saying that I am still legally responsible for paying my account statement and a valid form of payment was a check. ( U.S. Bank mail XXXX ) I paid with a check and they are saying that my payment was not valid. I then sent U.S. Bank a Notice of Claim letter, which would be considered a tender of payment and security collateral for my application for my credit card account. ( U.S. Bank Notice letter ) I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. I did not receive any communication from them. I then sent another Notice of Claim letter ( U.S Bank Notice letter XXXX ) with no response ( Image XXXX ) tracking information. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. U.S. Bank has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent them a document rescinding any and all authorization they may have had to share my personal and private information per 15 USC 6802
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I want to be part of the class action lawsuit because I was job less then they added late fees and penalties and also uped my mortgage without notice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I believe the account is invalid. US BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. US Bank XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had an account with Union Bank for years. Now that my account has been merged with US Bank, I have had an account with US Bank. As soon as I have enabled XXXX on my account, I have been unable to access my account on multiple browsers, on multiple different devices. Whenever I try logging in on a computer I encounter an issue where the page no longer logs in and instead continually tries to reload. If this is not fixed soon, I will be closing my account and contacting the credit bureaus. The fact that a large bank is allowed to have such incompetent web devs working for them is a XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX could do better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A