Date Received: 2021-07-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened US Bank savings account in XXXX with promotion of depositing {$5000.00} by XX/XX/2021 and holding for 6 months to receive {$100.00} bonus. I recently received {$50.00} for the promotion and not the {$100.00} per the terms and conditions. Contacted US Bank and they are claiming the second deposit was 'late ', which clearly is not the case from my bank records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62521
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ASSOCIATED BANK/ELAN FINANCIAL SERVICES CREDIT CARD. ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH A DELIQUENCY STATUS ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH DELIQUENCY STATUS. I HAVE TRIED ON NUMEROUS OCCASIONS TO UPDATE THE CONTACT INFORMATION ON MY CREDIT CARDS. DUE TO IDENTITY THEFT THEY WERE NOT HELPING. I WAS NOT NOTIFIED AT ALL IN ANY TIMELY MANNER BY EMAIL/PHONE/USMAIL THAT A LATE PAYMENT WAS IN EFFECT/GOING TO HAPPEN. THERE WAS NO CONTACT WITH ME AT ALL BECAUSE THE BANK WILL NOT UPDATE MY CONTACT INFORMATION AT ALL! THIS IS A VIOLATION!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55125
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX charges appear on my account for many months I had plenty of money in my account and I have been sick a lot so I really Hadnt noticed the constant withdrawals I called in on XX/XX/XXXX to report the unauthorized charges on my checking account. They took the report and would be deciding on putting a temporary credit I few days later that happened then when I was out of town I notice my card being denied and I look into it and the bank reversed all of credits I called them snd they said that some time in XXXX I okd all those charges there is no way possible that they spoke to me snd these charges arent mine I keep getting s run around snd they say someone will call me but not one single person has followed through How could they remove the temporary credit a couple days after they gave it to me when it takes XXXX for the process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, sent a check to my niece for {$200.00}. Checked was intercepted and blatantly modified to read {$2000.00} with an " or '' name added to the Pay to Order of line. Wording also changed from XXXX XXXX to XXXX XXXX. US Bank posted this check to my account on XXXX in the {$2000.00} amount without verifying changes made. I saw the activity on XXXX and reported to Fraud Dept. Instructed to complete paperwork at XXXX XXXX. Did so on XX/XX/XXXX. Branch manager told me the $ $ $ would be " temporarily returned '' to my account. Paperwork was not sent to the US Bank Fraud Dept by branch. XXXX Manager gave me his number. I have left multiple messages for him to return my calls for further information to be given regarding the Police Report #. He has not returned any of my calls. Today, XX/XX/XXXX, I have learned none of the paperwork was submitted and was required to submit again with the return of my money more than 2 weeks from now pending approval of what should have been sent on XX/XX/XXXX. New account setup XX/XX/XXXX. No checks yet received. My son was sent a signature form for the new account. When he tried to sign and return it, he received an error message. I have alerted the branch to this problem. Unresponsive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80138
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The is my SECOND dispute letter and the account listed below is reporting inaccurately onmy credit report and it is in violation of The Federal Law. This is in Violation under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To Whom It May Concern, I am writing this letter to dispute the recent reporting by US Bank to XXXX, XXXX and XXXX as a misrepresentation of my creditworthiness. This reporting has significantly impacted my credit score.I am requesting that the information be reclassified as a misreport so that my credit score returns to its former higher score. On XX/XX/XXXX, I was informed by my company 's IT professional that hackers have your credit card number, home address, telephone number, DOB, insurance details, etc.. Immediately after receiving the email I called the only two credit cards I have -- US Bank and XXXX XXXX, to cancel the cards. I do not have written proof of these calls as they were only telephone calls. The XXXX card was immediately cancelled, and a new XXXX card was issued. I rarely use the XXXX XXXX XXXX XXXX ( US Bank ) card, so I did not notice that the new XXXX card was not replaced. As soon as my bank opened that morning I closed and reopened both savings and checking accounts to protect my personal financials. I also contacted a bank that had recently preapproved me for a mortgage in case any of the activity could impact my credit score. At that point, I thought I mitigated the risk and could move forward without negative impact. On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had gone down nearly 100 points. When I checked XXXX XXXX, I found that US Bank had reported my account for non-payment. I immediately called US Bank and paid the unpaid balance of {$730.00}. I always have all payments automatically debited from my checking account. I asked that my account be set up for autopay while I was on the phone, but the service representative could not make the change. On XX/XX/XXXX I was alerted once again by XXXX XXXX that US Bank reported to the credit bureaus that my credit limit for US Bank dropped to {$800.00} from {$11000.00}. This report lowered my credit score another 100 points. On this date I filed a dispute with US Bank via overnight mail and via fax, per their instructions. On XX/XX/XXXX they replied with no change to my credit score and no explanation as to why my balance was suddenly dropped from {$11000.00} to {$800.00} for a one-time offense. Prior to the faxed correspondence I contacted US Bank and spoke with representatives on the phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. Below is a brief snapshot of my financial history : o I have never carried a balance with my XXXX ( US Bank XXXX credit card until I thought it was cancelled after the identity theft threat. o I have {$0.00} debt o No credit card debt o No student loans o No auto Loans o No mortgage or home equity loans o No other loans oI have not had a late payment since my ex-wife used to manage our finances in XXXX I remarried last year and am in the process of securing a construction loan/mortgage with my wife. I would greatly appreciate if US Bank could address this issue with all the credit bureaus so I may get the mortgage rates we were discussing with our banker in XXXX of this year. This is not possible after having my credit score lowered by 200 points in 2 months. The root cause of these decreases in my credit score was the identity breach in early XXXX and my belief that the XXXX card had been suspended at that time. I was saving more than {$3000.00} per month and carrying {$0.00} debt since XXXX. I would not have knowingly allowed my credit card to be delinquent while trying to secure a construction loan/mortgage. I respectfully request that the CFPB Team classify the previous reports as misreports based on the fact that they misrepresented my actions or inactions and have negatively impacted my credit worthiness when in fact my creditworthiness has not diminished over the past 6 months. Finally, I ask that this matter be addressed quickly so I may secure the a construction loan with my prospective bank at a competitive rate. Thank you for your consideration, time and effort.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX we cancelled all accounts at XXXX, location XXXX, OH. It took about 6 month to close the Credit-Card Account. We payed if off toatally. Account numer : XXXX The account are not visible at US-Bank onlinebanking anymore. But : still we get Uni-Statements wit a Begining Balance XX/XX/XXXX?? Statement period XX/XX/XXXX through XX/XX/XXXX?? US-Bankl charged an Overdraft Fee and refunded it - an Overdraft fee for an account which is not existing since 1 year?? That showes us, that US-Bank is still working with our accounts, because the Uni-Statement from??, arrived here at XX/XX/XXXX, showes an Ending-Balance of XXXX. We are desperated, we do not see a chance to stop this, we are no longer interested in working with US-Bank. The last statement came from this address : USBank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX WE MIGHT BE ABLE TO SEND THIS COMPLAINT, BUT WE ARE NOT ABLE TO LOG INTO OUR ACCOUNT BECAUSE YOU DO NOT ACCEPT NEIHER OUR USERNAME NOR OUR PASSWORD WE SENT SEVERAL EMAIL TO CFPB AKSING FOR HELP. not one of them was responed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The balance on my credit card with US Bank is incorrect. I called multiple times and spoke to multiple people. They told me their policy is to only update information once a month and will not update or correct information in between even though their incorrect balance is affecting my credit score while i am in the middle of getting a mortgage. The only escalation is to a supervisor who states the same thing. They do not have a way to contact the credit dispute center other than mail and they do not have anyone to talk to or connect with at the corporate level. They transferred me back to the credit card supervisor. They basically told me I could dispute with the credit bureaus or send in a letter and if they think it's incorrect they will update but there is no way to follow up or get any info on that process. I can only send in the letter and they will get back to me in 45-60 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I checked my US Bank XXXX app. I noted that there were two sizable withdrawals that I did not authorize from my checking account XXXX account number ending in XXXX ). One was in the amount of {$10000.00} and the other was in the amount of {$7500.00}. I called the XXXX number on the back of my US Bank debit card and spoke with a representative. The representative told me that she would make notes and start an investigation but I would need to call the US Bank fraud liaison department ( XXXX ) the next morning ( XX/XX/XXXX ). The following day I called the US Bank fraud liaison number and was on hold for almost 45 minutes and did not speak with anyone. I drove to one of the local US Bank branches located at XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX. I met with worker XXXX XXXX and explained my situation. XXXX XXXX had my wife and I sign affidavits attesting that neither of us authorized anyone to withdraw these sums of money. XXXX XXXX also had my wife and I sign a customer statement. The branch manager told us that she received information that the US Bank location where the withdrawals occurred was in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX ). My wife and I have called and spoken with the US Bank Fraud Liaison center almost ten times and we keep getting the runaround and different answers about the circumstances of what happened, how long investigation with take, whether a provisional credit for our funds can be issued, what documents my wife and I need to submit to US Bank to assist investigation, etc. On the day that the withdrawals were made, I was working in XXXX, Oklahoma and my wife was working at her job in XXXX, Missouri. Apparently the person or persons who withdrew the money used an identification in the name of " XXXX XXXX. '' XXXX was my spouse 's maiden name, but she has not used that last name or identification with that last name since XXXX of XXXX, which is when we became married. On XX/XX/XXXX, my wife and I also filed a police report with the XXXX Police Department ( Case Number XXXX, report taken by Police XXXX XXXX, XXXX XXXX, XXXX, extension XXXX, XXXX XXXX. To this date, the funds have not been returned to my account by US Bank. Any assistance would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64804
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: US Bank offered a forebearance program during the pandemic. They told us after the pandemic we would be able to tack the payments onto the loan or modify the loan. Now they have told us they can not modify the loan due to our credit. They told us we are no longer protected from foreclosure. We have sent an appeal letter and notified the VA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A