Date Received: 2023-12-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XXXX XXXX a contractor was hired to perform a service ( land clearing ) and subsequently was hired for an additional service ( septic tank installation ). In a verbal agreement, the contractor XXXX XXXX XXXX XXXX XXXX XXXX XXXX was to receive weekly payments totaling {$1700.00} ( half of the overall cost ) and come back to begin the project. I made payments via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was instructed by XXXX to make these payments to his wife, XXXX XXXX using her phone number within the XXXX feature of my mobile banking app. XXXX never performed the services as promised. In XXXX, I requested a refund. XXXX stated he would see would he could do. In XXXX, I then offered to continue making weekly payments and pay the remaining balance. XXXX stated at that point that he was not comfortable doing this project and was not willing to issue a full refund either. He stated he would settle for less. I requested {$1500.00}. He said that was unrealistic as he purchased materials for this project using my money, which he made clear he was not comfortable doing several months after he was paid to come back and start doing. I then requested XXXX license number, and company address where I could serve him with paperwork for small claims court. XXXX responded that it is not his responsibility to provide that information and then threatened that if I pursued him in court or filed a claim with the sheriffs department that he would file a claim stating that my husband threatened him and his crew ( something that never happened ) to attempt to put my husband in jail. My husband received a phone call from XXXX XXXX at XXXX XXXX XXXX XXXXXX/XX/XXXX. At this point, this is blackmail and harassment. I notified XXXX of the issue back in XXXX and then waited additional time to hear back from XXXX- and was told in XXXX, by XXXX, several months later that I would need to go through my bank. At the time, I banked with US Bank so I filed a claim with US Bank in XXXX XXXX I was told that since I had closed my account with US Bank in XX/XX/XXXX that a check would be issued for the {$1700.00} that was lost through XXXX. Approximately 2 weeks later I called the bank to follow up and they stated my claim was denied and I would need to step into a branch if I wanted to file a new claim. This is absolutely unacceptable that theyd allow a valued customer to be defrauded. I want my money back as services paid for were not rendered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
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 would like to dispute the transaction made to XXXX on XX/XX/2023 for {$620.00}. Reference : Reference number XXXX The Vendor, XXXX XXXX, agreed to refund but the purchase still shows up on my statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows an unpaid charges on a closed credit card account which did not belong to me. It also shows address and phone number listed on my report that I dont recognize. This negative report reflected my credit score and also new application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Company is US BANK and I have recently become a victim of identity and fraud theft as a result of the local postal delivery mistakenly delivering mail to the incorrect apartment number. This unfortunate incident allowed an unknown individual to gain possession of my card and unlawfully utilize my personal information to modify bank account details, granting them access through the automated system and enabling them to withdraw money. It was the bank who alerted me to this unauthorized activity and we started the process for the claim and filed yet they denied it. Despite accurately providing our address, we have encountered numerous instances where our neighbors have returned our mail. Furthermore, there have been occasions when we have received mail intended for residents of other apartments as well. Could you please assist me in resolving this matter? I am currently facing a situation where I am receiving mail intended for multiple individuals who do not reside at my address. {$7700.00} funds stolen from XX/XX/2023 - XX/XX/2023 i want the bank to complete a proper investigation as they did not even investigate longer than a few days before declining the claim ( dispute claim # XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
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 purchased a bolt cutter from XXXX that was supposed to cut steel up to XXXX inch diameter but only cut steel at XX/XX/XXXX inch diameter making it useless. XXXX only allows returns for just 30 days but I did not need to try it until 60 days later. After filling all 6 pages of information always demanded by US Bank for every charge back, and ignoring all other information sent to them ( I think this is a violation of federal law ) I just received a letter from them on XX/XX/XXXX denying my charge back without giving me a reason, and threatening me saying if I do not pay this charge on time they will report me to 4 credit reporting agencies hurting my credit rating. I have never missed a payment with this bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I completed a balance transfer with a 12 month 0 % APR XXXX I did not have any other balance on the account at the time of the transfer. In XX/XX/XXXX, I received a promotion on new purchases - 0 % for 6 months. I used the card to pay my taxes. Therefore I had a promotional 0 % balance transfer until XXXX AND a 0 % transaction on the one and only purchase until XX/XX/XXXX I made a payment in mid XXXX, in the exact amount of the expiring 0 % XXXX balance. This payment was made via a balance transfer from another card, I didn't know the exact date the transaction would post. My impression from the CARD act was that the payments post in a way that advantages the consumer, not the financial institution. Instead, this payment posted in the most consumer disadvantageous way. It completely paid off my 0 % XX/XX/XXXX balance. Then the excess paid toward some of the XX/XX/XXXX blanace. The justification? At the time the payment posted, both balances were 0 %. Since there was no " higher '' interest rate. The payment was applied towards the oldest unpaid transaction, which occurred in XX/XX/XXXX, and the time of my balance transfer. Therefore, because a payment posted a few days before the interest rate increased, I now lost the remaining 5 months of 0 % interest AND immediately have a balance accruing interest. This seems completely contrary to the spirit of payments posting in a way that advantages the consumer. I spoke to a couple of representatives from the financial institution, and while they were somewhat sympathetic, they did not feel they could alter the way the payment posted or revert the 0 % promotion. They simply said the disclosures indicate this is the order payments post when interest rates are equal. I would argue that just because the disclosure states something will be done, it doesn't mean it is lawful to have a policy that can still intentionally disadvantage the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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. 313.1 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: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Per FCRA 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 non verbal per 15usc6802 Us bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in. ( OPTING OUT )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent and instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an opened and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95363
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am the victim of identity theft. Someone attempted to open a fraudulent bank account and I have contacted the bank repeatedly. The bank continues to send me emails to finalize outstanding items for the fraudulent account despite my requests that the account be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A