Date Received: 2021-09-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I submitted a dispute regarding two 30 day late pays, XX/XX/XXXX and XX/XX/XXXX. Due to the pandemic, my XXXX was unable to make it and we had to shut our XXXX down. I contacted US bank to let them know that I was going to be late on my payment. It was current and made current the following month. Per the Cares act, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as " OK '' not being past due. I did not receive a response from them and my account is still reporting the late pay. They are in violation of this federal Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I purchased one {$500.00} visa gift card at XXXX XXXX XXXX on XX/XX/XXXX and spent {$64.00} dollars at XXXX. The gift card should have a balance of {$430.00}. Today I logged in XXXX to check my balance and found that there are several unauthorized transactions occurred on XX/XX/XXXX and XX/XX/XXXX in DC and Texas. The current balance is about {$50.00}. I called the customer services but they did not get me through how to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I needed to withdrawal cash from my checking account on Tuesday, XX/XX/XXXX, around XXXX XXXX PST. I went to two separate US Bank locations in XXXX, and both ATMs were down. The withdrawal was needed to handle a personal family emergency with a compact timeframe. Instead I went to a nearby casino/resort. XXXX XXXX. They were great by the way. I was able to withdrawal the funds I needed ( {$3000.00} ) + {$92.00} in fees. In a matter of seconds with no hassles. I called US Bank ( XXXX Branch ) on Thursday, XX/XX/XXXX around XXXX XXXX PST. To request for the fees to be refunded. I was told there is nothing that could be done. I was told I should have tried 12 other US Bank locations in XXXX first ( I had already tried two ). Or told I could have visited a branch today ( Friday, XX/XX/XXXX ) to withdrawal the funds?!?!. When I pushed back I was told to contact the originating US Bank in XXXX XXXX XXXX, CA ( for my accounts opened in approx. XXXX ). To request a refund of the fees. But I was also basically told it wouldn't matter. I was told they would call the Branch Manager in XXXX XXXX XXXX. I called the US Bank in XXXX XXXX XXXX around XXXX XXXX PST ( the same day ). They said they never received a call from the XXXX Branch. I was told by both branches that a " manager '' would call me. This never happened. US Bank has continued to give me the " run-around '' and has offered no resolution. They have both told me to dispute the fees with XXXX XXXX. Why? It wasn't XXXX XXXX 's fault. They allowed me to withdrawal my funds. US Bank didn't. Their ATMs were down. I have multiple accounts with US Bank, an auto loan, and a revolving line of credit. A credit card with a XXXX balance. An exceptional credit rating. I wasn't asking for any dollar amount of my funds that I didn't have. Not even close. I have both funds and available credit in way excess ... Once again US Bank 's ATMs were not working. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank took the amount for the second installment of my property tax on XX/XX/XXXX and as of today no payment to the county has been made or received. Additionally four ( 4 ) calls to US Bank asking for confirmation and proof of the payment has only resulted in multiple explanations, obfuscations and outright lies of wire payments made the day of the withdrawal from my escrow account. They have simply also refused to provide me with even an explanation of where those funds actually went or how they were used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: US Bank ReliaCard : Dear Sr. or Madam : My name is XXXX XXXX XXXX. I Do not agree with the resolution to my case ( Dispute Claim # XXXX ). I did not transfer the money to this individual XXXX XXXX. This person change all my personal information, in the banks website. I could not used my user ID or password to get into the banks site. After I had a new password and user ID, I looked on my personal information. My personal information was different. It had a new e-mail ( XXXX ) it had a new cell number from XXXX # ( XXXX ) XXXX. The bank needs to investigate further to resolved this issue. I have waited for more than a year and I want my XXXX dollars back. I have already send all the information that it was required of me liked my current ID, W2 form, SS #, and police report. I do not know what else do I need to do to resolved this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an existing mortgage with USBANK, I have paid EVERY payment, I am current, but XX/XX/2021, I called USBANK to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that USBANK was doing a credit pull WITHOUT MY KNOWLEDGE or consent... and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was several months behind on my mortgage due to income loss. I had applied for modifications and because I was in a hurricane zone after Harvey I received another reprieve. That took me to 2019. I requested another modification and even asked about tacking on the outstanding balance to the end since I had recently gotten a new job that would afford me the ability to pay my taxes and mortgage. U.S. Bank told me no, because I wasn't making enough to pay off the {$20000.00} I was behind plus my mortgage in 6 months. At the time, I had between $ XXXX {$30000.00} in equity in my home based on the comparables that U.S. Bank 's representative that took pictures of my home and provided the value of my home. I was told U.S. could not do that for me. So, I attempted another modification. I sent in all the paperwork based on what was sent to me from U.S. Bank via U.S. Mail. By XXXX/XX/XX/2019 I received a rejection stating that I didn't submit a complete packet. I inquired about what was missing and I was told my income tax information was missing. I let US Bank know that I submitted the transcript request form for the IRS that was in the modification packet. The representative from U.S. Bank told me that eventhough they sent the form to me, they no longer use the form and there was no way for me to modify my mortgage because of the missing IRS information. My house then went to foreclosure and my home was taken from me. I felt that as a single XXXX American woman, I was discriminated against in the handling of my mortgage. I felt that my history prior to my loss of income was proof of my worthiness, but US Bank obviously saw it differently. I would like to know if XXXX Banks decision to foreclose on my home was congruent with home owners in similar situations ( equity in home, new job ) and with government expectations/considerations/laws at that time?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was labeled as a business account when in fact it was a personal account and they blocked online access to me. They allege that it was a banking error due to my mothers maiden name being inputted incorrectly by them. I went into the branch to fix it and they updated the account. Thereafter, I could log in but they had charged me excessive overdraft fees that I did not owe. They took off the fees but they reported it to my credit bureaus as delinquent, after they told me that it was corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Sometime in XXXX or so a us bank card was opened in my name when I found out about it I reported it to the police and filed a report and a ftc report. The credit breaks removed it. Sometime in XXXX US Bank has been reporting back the the credit union as a valid account which is untrue. I need them to quit doing this immediately and remove it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. S BANK XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which USBANK did not agree to. Creditor ; US BANK XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91780
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A