Date Received: 2021-10-05
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2021 I went to U S Bank XXXX at XXXX XXXX XXXX XXXX to acquire a checking Account for My XXXX XXXX XXXX ( XXXX XXXX XXXX ). The Customer Rep said the account could not be open because it was the policy not open accounts that owed the bank money. But the Rep didn't give me a decline statement. The recovery debt department later ask why I had not paid the charged-off items in questions. I answered XXXX XXXX XXXX and a deceased wife that gave all her money to her children. The recovery Rep then reduced the debt from {$600.00} to {$200.00} but bank did not allow the opening of a business account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I started an online loan and ran into a error saying see a banker. I made an appointment for XX/XX/XXXX, at XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in Minnesota . I Seen a branch manager by the name of XXXX XXXX. I told XXXX I was applying for a personal loan to pay off some medical bills and that I got the error message. I didnt want to cause the system to hit my credit report twice, so I came in to complete the application. She took my ID and put things into the computer, I brought my W2, tax papers and check stubs but she never asked for them. She told me she would call me Monday either way. I leave and go home, I called the bank and asked for XXXX to call me back on Tuesday. No word from US Bank by XXXX. So, I went online and scheduled an appointment for a phone call at XXXX on Wednesday XX/XX/XXXX. I never received a call. On Monday XX/XX/XXXX I made an online appointment to go into the bank on Friday. She told me I was turned down because I had a charge off in XXXX or XXXX for XXXX. I asked for papers stating this charge off and her response to that was that they can see it but they can not print it off. I told her I didnt know of anything, and it is strange that they denied me when I applied for a house loan this charge off never came up and that they need to give me information on this. My credit is good my and so is my job and credit history, why would they deny something 18 years old. She told me she will resend my application and I told her I feel really discriminated against and I believe the statues of my limitation is a law for charge off and that I will go to the top because there is no way they should turn me down. XXXX said it is XXXX, so I asked where iI can I pay it off then she called someone, and they said that I couldnt pay the bank and that I had to call the retailer to find out how to go about paying the XXXX. Went to US Bank at XXXX XXXX for an appointment with the Branch Manager XXXX XXXX. I asked her why she didnt call me back or return any of my phone calls and she said didnt you get the letter? They denied you. I said did they find the charge off account. I need papers saying I owe this debt when I when it originated, what bank and year. I said if you see it can you just print it, she said no. I asked her is there someone I can talk to in the district office she said no. I told her I needed the denial letter she kindly called someone and gave them a number and printed the denial letter and handed it to me. I told her I want the collection letter paperwork pertaining to this because I am feeling really discriminated against. My credit is good the bank has my house loan and I have a platinum credit card. I told XXXX I dont understand, and I will sit here until I get this information of the debt, I owe to US Bank from XXXX or XXXX is all she could tell me and that it was for XXXX. So, you see it but cant print it or mail it to me. XXXX XXXX started calling everywhere she stated she didnt know what kind of account it is, she called numbers to who I dont know but she talked to maybe 7 or 8 people and gave them all my social security number and other information. I just sat there seeing her frustrated, grabbing her head, no eye contact and typing frantically. Finally, at XXXX she said Well its not a loan its not a checking account so it must be a credit card. She called collection she said they gave her account number XXXX and said she didnt know what kind of account I owe. I told her I got a home mortgage XX/XX/XXXX wouldnt this come up? I had no problem getting a loan at this other US Bank branch. But twice I have been discriminated by US Bank and that I am going to fight back about this oh I am on your side XXXX XXXX Said. The last call she made the card services representative told her to put me on the phone. The person on the phone asked me questions, she said I dont see any delinquent accounts under your social security number. She said my account is active and in good standings. I told her what the person said and handed her the phone back. She said apparently, they cant find it. I said it was in XXXX or XXXX. I told her it doesnt because I dont owe US Bank XXXX so this is why me loan is being denied? You have my house, my checking account, my business account. I told them my credit score is XXXX. She told me Well go to annual credit and pull your credit report from XXXX and see if you can find it there. I said are you serious I must go search for it. I am questioning if she put it in the 2nd application or not. I feel discriminated against by the XXXX XXXX Branch. She never returned my calls or called as promised. She never asked for tax returns, check stubs or W2. I feel like she made her mind up when she very first met with me. I feel discriminated against she never offered me contacts who I can call or contact who is over her. When I asked, she said no one was over her? I feel like she was trying to find anything to deny my application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank requires that I escrow funds for insurance and taxes. For the second year in a row, they did not submit payment for my insurance in a timely manner. I have called them and asked for them to stop escrowing funds so that I can pay both my taxes and my insurance in a timely manner. They told me that I have to pay them to end the escrow process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account is being reported with repetitive XXXX marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.
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: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: US Bank had the wrong phone contact and never sent me anything notifying me of a late payment. The first notification was from a paid credit protection service notifying me of two thirty day late payments. My credit score was XXXX prior to this event and has been severely impacted. This was not due to may ability or willingness to pay but rather due to poor customer communication. I have made numerous attempts to contact them and submit documentation but the means of contact via fax number they provided have been unsuccessful. I am also not receiving mailed documents from the bank that I requested. The initial issue stems from a documented theft involving my personal financial information. I had to deal with closing and re-opening several accounts. Also : I did receive a mailed document from US bank that may shed light on part of the problem. They are mailing documents that have shifting contents and the address does not show in she clear " address window '' if the envelope. Additionally, I have made numerous attempts to fax on multiple occasions and the fax line is busy and transmission does not go through. I have been assessed two 30 day late payments do to the banks unwillingness to provide clear communication to me as a customer. Had I been properly notified this would not have happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a member of this company since XX/XX/XXXX, with an extended credit limit of XXXX, they have reduced my limit to XXXX ( which I wasn't happy about but I let it slide ). Now today XX/XX/XXXX i am being informed that both my Credit card with Card Member Services has been shut down, for no valid reason. I have NEVER been late on a payment. I also make big chunks of payments of XXXX here and there to reduce the utilization from time to time. ( see documents attached to prove ). When they told me the reason they said i was a credit risk. they have fraudulently checked my credit report which is a violation of my rights and never gave permissible purpose. FCRA 1681 usc ss 604 states that! they did not give me any warning what so ever. regardless i have great credit and they broke the law. i will also be filing a XXXX complaint against the company for mal practice. them shutting down my card put my credit in a bad situation and i will seek litigation action. i have been using their cards for over 2 years. that was just one card. they also shut down my us bank card with a limit of XXXX. when i tried to go to the store and swipe my card it was declined which was embarrassing. come to find out my us bank card is matched with card member services. it was both a XXXX cashback card and a us bank flex perks card. they shut both of them down because they said they check my credit score ( without my authorization or permission which is a violation of my privacy right and the law )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a reliacard for unemployment and had money taken without my knowledge I called reliacard and reported the theft and they started an investigation. They gave a time line of 9 months and I waited. That was around XXXXAbout a month later I get a letter of no wrong doing and immediately call and request the transcripts of the investigation and copies of my charges and debits as mine were deleted from my app when I got my new card. What came was a letter saying no wrong doing and my charges and that were missing. Immediately called asked for the transcripts and received the same two more times. I have yet to receive the transcripts to this day. I hope you can get them because I don't think they did anything as it's pretty clear these charges are out of character looking at my spending habits. The charges are first XX/XX/XXXX at XXXX XXXX to XXXX XXXX, next is XXXX at XXXX for XXXX along with another at XXXX the same day at XXXX for XXXX, fourth is XXXX XXXX on XX/XX/XXXX at XXXX to XXXX. Any help you can provide will be greatly appreciated. Thanks and look forward to your response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This bank is rude to me Lied to me Their lending dept I applied for a credit card and it was delayed and today I get a notice denying me Saying Im A risk what type of declination is this Its not even a credit reason why are they doing this to me I feel discriminated against they can not treat me like this and get away with it its wrong Completely and give me no recourse of action they arent the law they are regulated by you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
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: I was scammed on XXXX. I was sold counterfeit fake XXXX XXXX XXXX. The jewelry store-seller was not authorized to deal in XXXX XXXX XXXX . The moment I received the fake earrings it was apparent they were counterfeit. The seller refused to initiate a return. XXXX gave me a hard time and so I turned to my credit card company Peoples United Bank Mastercard. I was a Peoples United Bank business and personal account holder for over thirty years depositing over XXXX XXXX XXXX in assets into an account and had no prior reports of fraud in thirty years. The fraud department at Peoples United Mastercard ( owned by XXXX ) put me through hoops and I complied with all their requests. When XXXX reversed my provisional credit with the misrepresentation that they did not receive my application or sufficient documentation ( which I enclose with proof of their receipt ), I contacted the Office of the President of Peoples United Bank. As a thirty year customer of the Bank, with business and personal accounts and deposits of assets over half a XXXX, I inquired as to whether they valued their customer relationships and would advocate on my behalf with XXXX. Instead their minions kicked the can back to XXXX. First, Peoples United does not just fail abysmally at relationship management or backing their loyal customers when the time comes to do so, Peoples United Bank and XXXX have aided and abetted XXXX and its counterfeit sellers to perpetrate fraud. Secondly, the fraud specialists at XXXX knew or should know that it is an impossibility to obtain a fraud appraisal from a jeweler because insurance liability prohibits such appraisals. Third, it is a felony to aid and abet counterfeit goods via interstate commerce so XXXX can not and should not lawfully ask a buyer to transport the fake merchandise back to the seller so they can perpetrate the fraud again. I am personally disgusted by Peoples United Bank 's failure to advocate when it is so clear that I was scammed and defrauded the money. I am professionally appalled and disgusted that Peoples United and XXXX are not held accountable for aiding and abetting fraud instead of having policy in place to protect its customers from fraud and scamming. At the very least, my money should have been refunded. The documentation I provided is more than ample proof of fraud. To state otherwise is as deceptive as XXXX XXXX practices and its crooked criminal felony sellers. If ever a case of XXXX XXXX XXXX, the pictures of the fraud beside the genuine earrings is compelling and clear. I am not the first to report XXXX and surely its time for the federal government to enact stricter disincentives and put laws in place to crack down on XXXX fraud. Peoples United and XXXX are as dirty as XXXX in failing neglecting and refusing to protect their customers. I am enclosing HALF of the documentation as your system prohibits greater than 10 mb and my file is 16mb. The second file is intregal to my case as it shows the proof that XXXX received my application and documentation, shows photos of the FAKE earrings alongside the REAL ones I own, shows the address of the seller hidden behind a FAKE address, numerous correspondence emails with XXXX XXXX corporate regarding the fake earrings, etc. and a copy of my credit card and credit card statement showing the reversed provisional credit. PLEASE REPLY TO ALLOW ME TO SUBMIT THE REST OF THE DOCUMENTATION!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A