Date Received: 2021-09-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 I noticed three pending transactions on my debit card which were made in the state of Washington ( I am in California ). I immediately phoned U.S. Bank Fraud Dept. and reported the charges. The representative confirmed that a recently issued Debit card had been used without a PIN. I was told that the card would be immediately canceled and provisional credits would be issued for the unauthorized charges. The credits appeared within 24 hours but then disappeared the following day and the pending charges were deducted from my account. I have made several calls as to why the pending charges were allowed to post and the credits removed. No response and no accountability. I am a working person who must meet a rent obligation on XX/XX/XXXX. I have been Banking with US Bank for 8 years and am shocked at the complete disregard for Customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94947
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I was at the end of my lease and after paying it on time for 4 years while I went through a bankruptcy which I never included with US Bank and my XXXX XXXX XXXX lease. I started my lease in XX/XX/XXXX and when I went through the buying process I was advised that in the last 4 years they never reported my on time payments to any of the credit agencies. I spoke with US Bank and they informed me in XXXX that they decided if there was a bankruptcy filed by the consumer they would no longer report to the credit agencies. I am fighting this because first my lease started before they made that change and also feel that it is unfair that my payments were always on time even while it was being reaffirmed and was discharged that I paid on this vehicle and never was shown when I did the loan to buy it out. I went through a tough time but I never did not pay it on time and full payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Due to the global Covid-19 Pandemic I was struck with the worst luck anyone could imagine. Picture being over XXXX XXXX XXXX unsure how far along, as a woman, someone is as well as allowing another individual trying to defraud what is in a name collecting food stamps, paying for an unexpected XXXX, and than immediately working as a XXXX in one state and being told that a professional is not a professional unless proven by a certificate that was documented by another medical Home Health agency proving the fact ( s ) of the individual 's work history. Than to top it off, being promised this PUA ( Pandemic Unemployment Assistance ) that didn't come through due to unusual circumstances of normal routine and exercise. Normal routine and exercise does not include doing, " bad business, '' just to make a pay cut. This requires more than just talent in one 's distal flanges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I used a U.S. bank ATM for cash deposit on XX/XX/2021 of {$1200.00}. The ATM took all the money ( {$1200.00} ) but then said there was an error and it couldn't make the deposit, but only returned {$800.00} of the money I inserted. I went inside the bank and told teller what happened, and that I would like to deposit remaining cash. The teller took {$800.00} and told me I should call the number on the receipt from ATM. I called the number on the receipt from the ATM but the customer service member was unable to help me and proceeded to give me another number to call. Four phone calls later and an additional visit to the bank, I received a letter that they were unable to find any discrepancies in the ATM deposits on XX/XX/2021, which was the date I finally was able to connect with a person who could help me, not the date of the actual deposit. US Bank called me again on XXXX XXXX 2021 that I would receive another call regarding the XX/XX/2021 ATM deposit discrepancies, but as of XX/XX/2021, I have not been contacted again, nor has my money been returned. They are now claiming that there is no discrepancies even though I have a receipt from the ATM from the day of the attempted deposit that clearly states, " A machine error has occurred and the ATM was unable to credit my account or return some of the items I attempted to deposit. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55902
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an fraudulent inquiry on my account from US Bank and XXXX is taking no action to help remove this. I've reported this to US Bank and have no reply. I need this inquiry removed now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Us Bank, XXXX XXXX ( XXXX XXXX XXXX XXXX ) Dont properly investigate claims, Deny Claims before asking for any documentation regarding the claims to be provided to assist in the process. Do not accommodate any requests forms of assistance regardless of the circumstances and the requirements for the delivery of the services at no additional cost to them but still no provision of ADA / Disability Disorders and Needs for Alternates in Communication/ And all other forms involved in doing Business with them are not being provided and /or addressed to, most are Disregarded and /or provided a proper form of attention to, lack ce in the responses given compared to what is required to exist in order to be denied access, Equal, Fair, Non discriminations in the process and delivery of services provided to the public allows for equally access and Opportunities to use and benefit f
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
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: Took engine to merchant to get a new engine in XX/XX/XXXX. Merchant put in an engine and odometer reading was XXXX. Check engine light came back in XX/XX/XXXX. Merchant and the company they purchased the engine from, XXXX, was trying not to replace the engine because warranty was for 12 months XXXX miles. They stated warranty was no longer valid because it had been longer than 12 months. We were able to get a replacement engine because we made the argument that due to COVID-19 we were not able to drive the car to get to the XXXX miles within the 12 months but merchant charged us for half of the labor for the install, which was invoiced on XX/XX/XXXX. Contacted Visa issued credit cards in XX/XX/XXXX used to pay {$5200.00} on XX/XX/XXXX service for first engine replacement ( {$3500.00} for XXXX XXXX XXXX issued Visa and {$1700.00} for XXXX XXXX issued Visa ) to get copies of statements from XX/XX/XXXX to begin dispute process if the replacement engine was not satisfactory. The engine had XXXX miles when we took car in for replacement engine on XX/XX/XXXX, which was XXXX. We took car back to merchant on XX/XX/XXXX because check engine light came on. XXXX cleared the code. We took car back in on Monday, XX/XX/XXXX because check engine light came back on. This time odometer reading was XXXX miles, which is XXXX miles and 76 days from when engine was replaced on XX/XX/XXXX. Warranty on the invoice from XX/XX/XXXX states warranty on parts and labor is 24 months or XXXX miles whichever comes first. Notes from the XX/XX/XXXX invoice states, Tech states engine pressure not accurate low oil pressure will suggest engine replacement. XXXX XXXX. Notes from XX/XX/XXXX invoice states, Tech sates engine is not producing oil pressure quickly causing rattle and causing camshaft to starve for oil after a few minutes oil starts to move through engine and noise goes away. But will continue to set code would suggest XXXX diagnose there may be a fix that we are not aware of. My husband picked up the car on XX/XX/XXXX and asked for a copy of the invoice from XX/XX/XXXX. Store manager alters the notes on the invoice before printing copy. He removes the language regarding the warranty on parts and labor for 24 months or XXXX miles whichever comes first on all repairs. Since XXXX XXXX XXXX does not know what is causing the code and same code appears after engine was replaced on XX/XX/XXXX. Since tech suggests we need another engine, advises us to take car to XXXX and XXXX XXXX XXXX is not providing warranty on the 2nd engine that was put in on XX/XX/XXXX, we request a refund for service performed on XX/XX/XXXX for {$5200.00}. We raised disputes with XXXX XXXX Visa card, not US Bank for {$3500.00} and XXXX Bank for {$1700.00}. Both disputes have been closed because the original purchase date was over 540 days old. When I called Visa customer on Friday, XX/XX/XXXX, I was told there was no limit on filing a dispute with a merchant. I have raised a complaint with Visa on XX/XX/XXXX for {$5200.00} because merchant put 2 engines in my car that got less than XXXX and has offered not proof that a replacement engine was installed on XX/XX/XXXX. The invoice from XX/XX/XXXX does not mention an engine being installed at no cost. I am asking for Visa to provide an exception to allow me to dispute this charge and get a full refund for the services to take car to XXXX as merchant suggest. The processor for my claim, XXXX, informed me on XX/XX/XXXX my claim would be closed due to the original purchase is more than 540 days old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A