Date Received: 2021-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2020 with an amount of {$94000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
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: 2021-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$5700.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My husband XXXX XXXX and I, XXXX XXXX are writing to report Mortgage Fraud. It was confirmed this year 2021, that we are/and for years have been victims of mortgage fraud ; because a bogus loan was created and sent to us by XXXX XXXX , and even though we did not agree with it or sign it, or return the paperwork after it came in the mail. Still, it was put into effect without our knowledge or permission. Our signatures were somehow applied, and this transaction was later presented to us, under the guise of a change in servicer, and transfer of a loan that, to our knowledge, we were already, actively making payments on. So now instead, we have been paying on a fraudulent loan for years. Our timeline is attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Several weeks ago, when I tried logging in to my account on usbank.com, it said my username was disabled and to call their phone number for assistance. I called the number the website gave and the agent said my username would work again within 72 hours. Several weeks later, the website still said my username was disabled, so I called US Bank again on XX/XX/XXXX. The agent said my username should start working again the next day. It has now been 3 days since that call and I am still unable to login to usbank.com. I have been unable to access my US Bank checking account and credit card online for several weeks now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XX/XX/2021, I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees. According to https : //www.occ.treas.govXXXX Financial institutions may assess fees for paying ATM or one-time debit card transactions pursuant to an overdraft protection program if the following conditions are met : The institution provides the consumer with a written notice ( or electronic notice, if the consumer agrees ), segregated from all other information, describing the overdraft protection program ; The institution provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the program for ATM and one-time debit card transactions ; The consumer affirmatively consents, or opts in, to the payment of ATM and one-time debit card transactions ; 5 and The institution provides written confirmation ( or electronic confirmation, if the consumer agrees ) of the consumer 's consent and includes a statement informing the consumer of the right to revoke such consent. US Bank has not provided with a written or electronic notice describing the overdraft protection program. It did not provide a reasonable opportunity for me to affirmatively consent or opt-in to the program. I have never affirmatively consented to enroll in their program. Thus by forcing me to enroll in such overdraft protection program, I believe US Bank have failed to comply with Federal Trade Commission Act ( FTC Act ) standards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: First off, this is NOT a complaint. This is a demand that a correction be made for an error that US Bank has made. Back on XX/XX/2020 my husband was involved in an almost fatal accident while I was 9 months pregnant. The car was deemed a total loss and we were so thankful that he was okay despite the terrible circumstances. We contacted our insurance company that next morning as the accident happened in the middle of the night when my husband was driving home from work. They began working on the case immediately and the insurance adjustor deemed the car a total loss within a few days. My insurance agent contacted US Bank and sent the payment XX/XX/2020. Prior to this, I made a phone call XX/XX/2020, the next morning after the accident, and I was advised by a US Bank Customer Service Representative not to pay as our due date for payments was the 30th of every month and to contact the total loss department. Our insurance agent did just that, since customers are not allowed to talk to the Total Loss Department. Prior to this accident, we paid on time, every single time, even though we only had the truck for a few months. Not only did I not receive ANY INFORMATION regarding my account, I did not receive statements, and my online account was deleted. There was no way for me to be updated regarding my account, and no way of knowing that something was wrong. Around the first week of XXXX I received a letter saying it was a charge off account, which was a complete shock, considering this was supposed to have already been handled and completed by XX/XX/2020. My insurance agent has sent over the appropriate paper work numerous times to only be told that US Bank never received it. She also sent the insurance check THREE TIMES and US Bank has rejected it. If US Bank would have accepted the check the first time around, then this wouldve been settled back in XXXX of XX/XX/2020. US BANK CAN NOT penalize me, the customer, for something that was their fault in lack of organization and communication. TOTAL LOSS ACCOUNTS DO NOT GO TO CHARGE OFF. We were told that once again last week by the Total Loss Department. If US Bank knew that my account was being dealt with in the Total Loss Department back in XX/XX/2020, WHY IN THE WORLD would they send it to be charged off? This is a complete and utter failure in communication, training, and organization from a company that is supposed to be held at the highest esteem. Now I am in need of a car and can not get one because of US BANKS mistake. My credit went from a XXXX to a XXXX for a reason that is NOT MY FAULT. It has my blood boiling that it has been absolutely impossible to get this resolved in matter of 10 months, going on 11 months now. Not only has this situation been extremely frustrating, I am continually having to relive the traumatic experience in almost losing my husband while being 9 months pregnant. How much is a life worth to you, US Bank?? I have been run around by countless different employees, where no one has the answer and according to them, I am always in the wrong, especially in the Consumer Recovery Department where the representatives have told me incorrect information and have not delved in deeper to find a solution. I have never dealt with a company so unorganized with employees so rude. Sadly, I will be telling everyone to not bank with US Bank because of this headache of a situation I am in that is NOT MY FAULT. I am looking for this to be corrected immediately. I am being held captive by a company that is unwilling to do what is right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX we received a letter saying our CD would mature on XX/XX/XXXX. My husband and I both signed the letter saying to redeem the CD and send funds ASAP. On XX/XX/XXXX I check my XXXX XXXX account where I had purchased the CD and it has been removed, so we assumed dollars were on the way. XXXX XXXX had sold out to US Bank. XX/XX/XXXX I contacted US bank and was told that was not the correct way to redeem but they ( XXXX ) would take care of it and rush it through. XX/XX/XXXX still no check so I called back to US and talk to XXXX who said he would rush it through. On XXXX we contacted my XXXX agent for help and received a call from XXXX, VP at US, saying how sorry she was but was not sure what went wrong. She had no authority to help or even see the records??? On XXXX received a call from US, XXXX saying check was on it way. Each person I requested to go to a US office to get my money and was refused. I ask for the check to be overnighted and was refused. I got upset and said I should receive interest for the time I dont have my money. Said no they could not do that. Today XXXX mail just ran and still no check. Please help. XXXX and XXXX XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: This company has posted on my credit reports that I opened a credit card with them. I have not heard of this company. They do not have a phone number. I have not received a credit card from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XXXX XXXX I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: US bank reliacard is unlawfully holding my daughters child support saying they need proof that I changed my address when in fact you have to show Id at child support office to do so. I have sent my DL and by their own admission and they made the mistake as to why it was sent and still have not released my childs money during a pandemic
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A