Date Received: 2021-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US Bank, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the XXXX. The bank then knowingly reported to all credit reporting agencies the balance of the XXXX tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the XXXX-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting US Bank, contradicting stories were presented on when the fraudulent activity was flagged. One US Bank representative claimed the fraud was flagged in the US Bank system on XX/XX/2021. Another US Bank representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, US Bank violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64850
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My mother in law passed away in XXXX. Her only income was Social Security for many years prior to her death. After her death we started to get statements from a collection agency. I called them twice to advise them of her passing. I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the XXXX. Now we are getting periodic statements 4 YEARS LATER still trying to collect. This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day XXXX, XXXX works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, XXXX, XXXX '' Really??? Life certainly happens but so does DEATH. - I told them 2x she died in XXXX. - I requested they remove my address from their system. She never lived with us. - I told them there was no estate. Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This email was sent to US Bank on XX/XX/2021. The complaints to them began on XX/XX/2021 and they responded with a letter that was untruthful on XX/XX/2021. They should have responded within 15 days, but NEVER did : Please send this email to the Office of the President as this is a response to their letter of XX/XX/2021. I can't give you a name because THERE ISN'T ONE anywhere in the letter. I finally received a letter from you today. This IS NOT the letter supposedly sent on XX/XX/XXXX, nor a copy of it supposedly sent XX/XX/XXXX. It is obvious that there has been no investigation of my issues that was sent to you on XX/XX/XXXX with 2 follow-ups a couple of days later. Yes, you have been phoning both me and my son AT XXXX XXXX here in California. You never left voicemail and the only ID from you was Illinois. When customer service did reach me, I informed them that I can not hear them. I asked that they just send the letter from the alleged investigation. They are no longer trying to call me, but are continuing to call my son at XXXX. STOP calling my son. He has my card in his name because he needs to purchase things for me because of my XXXX. If you had reached him, you would have made 3rd party disclosure, which, as you are very aware is prohibited by both state and federal law. I am unable to sign-up for alerts because you require a mobile phone to do that. As I have informed you many, many times, I DO NOT OWN a mobile phone. They are not made for people with hearing problems that XXXX XXXX can not help. You have lied by stating that I declined to allow you to contact me. That is one of many lies told to me by your customer service person AND her supervisor. By law, you are required to tell me when my card is blocked or cancelled. You ARE NOT doing this. IT WAS INTERESTING that several hours after talking to the supervisor, I suddenly received by email a notice that my card had been reported lost or stolen. This was an abject lie, as I informed you. There was ABSOLUTELY NOTHING wrong with my card. There was NO fraud. The supervisor informed me that you unilaterally had not blocked my card, but had cancelled it. Neither woman would explain why this happened. If you will check my charging history, there are many other charges for over {$100.00} to get food delivery that were never blocked. In the last 10 years, I have had my card blocked numerous times when I try to buy XXXX groceries. We shop only one time per month and the charges are typically {$250.00} to {$400.00} dollars. Before the pandemic, when we still went to the XXXX store, we would shop for up to an hour and then waited in line, only to have the card declined. We would then have to leave the food and drive home to contact customer service. Until last year, we were NEVER told that you had blocked my card for trying to made a normal purchase. Customer service Never transferred me to the fraud division. They simply told me that there was an error and they would fix it. We then had to drive back to the store and waste another hour again making our purchases. With both my cards ending XXXX and the current XXXX, when I activated them, I tried to order online purchases of less than {$20.00} only to find that you had again blocked the card. Why would you immediately block a newly activated card? I am unable to hear any of your fraud or customer service people and they refuse to speak up. Your automated detection system has some real issues and I suggest you fix them. As an attorney, I am appalled by your company 's treatment of it's customers. I have been with you now for 23 years. Contact me by email or letter as to what you propose to do to fix my issues, especially lies told to me, almost every call, by customer service and the fraud division and your office. They are still not responding to any emails and have again blocked my card when I tried to order our monthly groceries on XX/XX/2021. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US Bank, a large national bank contacted a primary account holding on a checking account in XX/XX/ 2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 I tried to book a business trip for myself and my colleague with XXXXXXXX XXXX for XXXX XXXX XXXX. They mistakenly booked us for the dates XXXX XXXX XXXX when I never authorized a transaction for the amount of {$980.00} for those dates. On XX/XX/2021 I called XXXX customer service to try to change the dates for the trip and spent 8 hours on hold, never getting through to a customer service agent from the merchants end. On XX/XX/2021 I opened a dispute with my bank at the time, US Bank to dispute the transaction. They opened a case and investigated it for the following weeks in XXXX and the last thing US Bank told me was that they found XXXX XXXX at fault and credited the money back to my account. As a New York resident and XXXX account holder, I decided to close the account since there are no physical US Bank branches in the state of New York. When I was visiting family in XXXX XXXX California, I closed the account in XX/XX/2021 after bringing the account to a balance of {$0.00} and paying overdraft fees to do so. The banked never told me that they were still investigating the XXXX dispute while I was closing the account. Since then, Ive been contacted by US Bank because they never finished the case and claimed they still need more information from my end. Every week I am getting multiple threatening letters in the mail that my ( already closed account ) is in the negative by {$980.00} and that if I dont bring the account to a {$0.00} balance they will keep this debt against me and keep contacting me. I have been trying to get in touch with their Fraud Department to clear this from my record but it has been impossible to reach the investigator from my case and every time they try to call me back it is from a random number which I do not recognize and I am in a meeting for work or in an appointment. When I try to call them back on the number they provide me with, the investigator from US Bank never answers my call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I received promotion from US bank about XXXX $ sign bonus upon opening a new checking account. I used code XXXX and met all the requirements : completed direct deposits totaling {$3000.00} within 60 days of account opening and enrolled in e-Statements. I still did not receive my {$250.00} bonus. Please look into this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77586
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THESE ARE erroneous inquiries reporting to my file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was having trouble accessing my USBank credit card account online. I went to their website and called the number listed for XXXX XXXX. After waiting on hold I was transferred to a gentlemens with a very thick XXXX XXXX accent. I shared with him my problem and he said he would need to verify my identity with my name, adddress, DOB etc. he then put me through a recorded message that he kept interjecting into to confirm the same information. He then stated he could not verify my identity and asked me for another credit card to confirm my identity. I was confused but keep in mind I called US Bank. I gave him another credit card number with another bank ( XXXX ) and I got a text from the other back asking if a {$1.00} charge was legitimate, he directed me to say yes. He then provided me a confirmation number and directed me to call XXXX immediately and provide the confirmation number given. When I hung up something felt off and I didnt call the other number. I subsequently called US Bank later at the number on the back of my credit card and they had no record of that prior conversation and have opened a fraud case on that card. I have locked the credit card account with the other bank but am now concerned about identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: received a CC from USBank ( reliacard ) at the PO box of my vacation home that I did not apply for. Tried several times to contact the CC company to tell them that either 1 -- they sent me an unsolicited CC to an insecure, often unchecked PO box or 2 -- someone has stolen my identity and somehow intends to gain access to my locked PO box of my vacation home, but the only option possible was to activate the CC ... no option to speak to a customer service representative despite calling back several times and trying several options!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: After an exhaustive search for my missing second stimulus check from XXXX to late XXXX, XXXX, I was informed by the IRS that the check has been deposited into our checking account with my social security number in XXXX XXXX in XXXX Ohio. Over the next couple weeks I was not able to successfully make contact with or get a response from XXXX until I made a complaint with the XXXX XXXX XXXX of Ohio. It was in then they we were informed that it had been transferred to a US bank account in my name per instructions from the IRS. The IRS indicated their records showed that the check was still in XXXX checking account. Keep in mind, from XXXX to mid XXXX there have been several contacts with US Bank each time we were informed that they have not received the check because the account has been closed and would have had to send it back to the IRS in a timely manner. Important, because it will still take another 6 to 9 weeks for the IRS to mail it to me. So then a call was made to US Bank ( mid XXXX ) AFTER XXXX statement, we was then told they did receive it and deposited into my closed business account. The account had been closed since XX/XX/XXXX due to fraud by my ex spouse Im a single parent and small business owner requesting the return of my monies asspnn
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A