Date Received: 2021-07-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: Over the weekend of XX/XX/XXXX, I was subject to a dating scam on XXXX. I was in contact with a profile that was run by someone who subsequently claimed to be XXXX, sent XXXX pictures of the person who the account was supposedly of, and solicited me for XXXX pictures of myself. Two days later, I was contacted by someone first claiming to be a private investigator hired by the family of the person I was supposedly in contact with over XXXX and then by the supposed father. I was then shaken down by the father for {$1600.00} in order to send the girl I was in contact with to some sort of a XXXX program as an alternative to the mother going to the police and pressing charges ( I paid {$1700.00} thinking that that would demonstrate good faith ). The money was to either be sent through XXXX to a XXXX or through XXXX to the person who was supposed to be the pastor of the family, XXXX XXXX. The money would not go through XXXX so I ended up sending it through XXXX, which is tied to my US Bank account. I subsequently determined that this was a scam and refused to provide any more money when I was subsequently solicited for additional money the day after I sent the {$1700.00}. The day after I sent the {$1700.00}, I filed reports with the local police, the FBI, and US Bank, where I have had an account for several years. Yesterday, I received a letter from them denying my claim on the grounds that as the transaction was posted as requested, there was nothing they could or would do. Upon calling their help line, I was told that my only option would be to pursue this through small claims court. This was because US Bank claimed that so long as I had been the one to make the transfer, despite it being made due to fraud, they had no further responsibility in the matter and would not take action to return money that had been reported stole through fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50014
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
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: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2021, I used my relicard issued by USBank to pay my rent, cell phone and internet. Then tried to purchase something over the phone and the merchant said my card was denied had her run it again, still denied, which is embarrassing to begin with, check my account on app and everything looks fine, nothing wrong nor stating anything out of the ordinary. So went to ATM to get money to put on another card and to call back merchant so I can pay them what I had ordered, ATM denied me from MY funds, call the 24 number wait on hold for 37min. Girl that answered tells me I have to wait 24hrs until I can get money or charge anything, I complain and she says well if you go to a USBank branch and go have a teller get your funds it will work, drove 19 miles and waited in line another 20 min then had to give teller all my information so I could be entered into there computer system for that branch, try to get money and DENIED again, teller says go out and try the USBank ATM, denied ... .I 've been upset about this all night and sick to my stomach about it, wake up this morning and try charging something, denied. Call the customer service number that states they are there fir you 24/7 get to hold for next representative and recording comes on -all customer service representatives are currently busy please call back later-then click, hung up on now! This institution has refused me my money, cost me money and time and took time off my life with all the stress and time spent just trying to get something that is mine. I can not believe that thus is not a crime somehow ... .I have seen people go to jail for doing alot less to another human being. I doubt anything will be done and more then likely I will have regained my account from these criminals by the time you read this but this is the things that these banks should not have the right to be able to do. But they will because nobody ever does anything to them, I will not get any gas money nor reimbursed for my time or stress or humility I went through, nope they got what they wanted to do to the little consumer I am. Maybe one day we will win and this ignorance and power playing will stop but I'm not holing my breath. USBank I believe owes me money and a apology ... .good luck I say to myself, like I said it won't happen. I'm just wasting my time like I did half the day yesterday. Hopefully you have a great day and you don't have to ever experience this. Its just like someone just stole or better yet robbed you and you can't even go to the police about it. Its just so wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Cares Act of XXXX CoVid-19 Good Will Late Payment Removal Request Name- XXXX XXXX DOB- XX/XX/XXXX Last 4 Of SSN- XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number- XXXX Opened- XX/XX/XXXX Secured Card XX/XX/XXXX To Whom It May Concern At The Office of The CEO ( US BANK ) Corporate Office Thank you for taking the time to read this letter. Im writing, because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my US Bank account XXXX. I want you to know that I understand my financial obligations, and if it werent for me being affected by a job loss due to COVID-19, Id have an excellent payment record. I made a mistake in falling behind, but since then I have gained another place of employment and I have caught up with my payments this XXXX. According to the Cares Act of XXXX, If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). I am fully exercising my consumer rights under the Cares Act of XXXX and I am requesting that my US Bank Account with account number XXXX, be updated with all XXXX of the major credit reporting agencies as paid and full and never late according to the provisions of the Cares Act 2020 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). I have a spotless record of on-time payments since this late payment occurred. Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late that occurred in XX/XX/XXXX from my US Bank XXXX under Cares Act XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). Thank you for your consideration, and I hope youll approve my request. Warm Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off the lease on XX/XX/XXXX. I live in an Electronic Lien and Title state where this should have been electronically processed with the North Carolina DMV immediately - yet they have yet to receive any notification that the loan has been paid off. In the DMV records, they sent the paper title to US Bank in XXXX at the initiation of the lease and it is still marked as 'leased '. I have spoken with many different departments at US Bank over the course of the months requesting that the ELT process be redone - to which they said that was impossible. Then US Bank said they would send out a notarized Release of Lien to enable me to get the car titled in my name at the DMV yet as of today, XX/XX/XXXX - I have not received that. US Bank is unable to give me any tracking information on this document though they said they sent it on XX/XX/XXXX to my current address. When I speak to them they are unwilling to reinitiate and send in a trackable format. Each department sends me to a different department, saying they will " look into it. '' I feel like they have effectively stolen the car from me. I paid them, yet I have no proof I own the car so I can not sell the car - which I need to do immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There is a charge for {$450.00} on my Fidelity Reward Visa ending XXXX that was not made by me. The online system does not seem to work at all since I can't review the transactions or even get my statements from the online portal. Please dispute the {$450.00} fraudulent charge from my account and credit me for the {$450.00}. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: all of my banking data has been compromised. the bank and the police refuse to provide help. someone has drained my accounts i have filed this report several times are you even receiving it?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I placed a call into US bank requesting that late fees be waived as I was going to make a payment on the card. The first rep I talked to said that their system is allowing for one fee to be waived, I asked to speak to a supervisor cause I had wanted to get both fees waived. The rep did advise that the {$29.00} fee was the one that could be waived but I asked why not the {$40.00} fee if I am allowed one, she said its cause it was the way it was. I was transferred to a supervisor rep XXXX ID XXXX call reference XXXX, who also advised that their system only allowed 1 to be reversed, I again asked why the {$40.00} fee wasn't the one that got reversed instead of the {$30.00}. She wasn't sure why the previous rep did the {$29.00} instead of the {$40.00} but that there was nothing else that she can do. I feel that the bank had cheated me out of a higher fee to be waived if I was eligible for 1 fee per 12 month period. The rep I had initially talked to did the process so quick that I wasn't properly informed or given a chance to select the fee to be waived.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I reported a fraudulent purchase of {$9600.00} on my fidelity visa credit card for XXXX XXXX. On XX/XX/XXXX, the credit was reversed on my card. This is despite the fact that I have never received XXXX XXXX and never agreed to pay this XXXX XXXX for anything ever. I have never requested the services of this plastic surgeon nor any XXXX XXXX for that matter. Likewise, I have never signed any agreement with this XXXX to pay for any services in my life. I have never even been to this XXXX XXXX office but I am still being held liable for the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: It started back in XXXX of 2020 and I told us bank relicard I had identity theft Begged them for to put a pin on my account half the time that I called they never asked me for the PIN so I had charges on my account XX/XX/XXXX one was for an XXXX XXXX XXXX bill for {$120.00} the other one was for pizza and there was a {$1500.00} ACH transfer I had no access to the account online or anywhere else or a card for that matter someone stole my phone and my wallet fighting with the bank trying to recover my money was hard I did get back {$120.00} for the XXXX XXXX XXXX and I got back the XXXX XXXX but I they denied the transfer saying that I either initiated it or I benefited from it I have that letter but won't tell me how they came to the conclusion where they got the information or anything because for months I was told look up the bank name XXXX that's where it went then I was told that if I I transferred it to an offshore bank account or an account that I opened under my own name or someone opened up so then XXXX through XXXX I was charged XXXX XXXX which I don't even have XXXX XXXX so I told them it's not mine they said they couldn't stop it so they sent me a card out every single month I never got the money back for those charges then I call and I tell him that my car 's been taken I need I left it in laundromat the door locked behind me when I went to go back to get it it was gone so they sent me a new card XXXX didn't tell me when it would arrive or anything like that no tracking number so I get a text message on Saturday the XXXX at XXXX p.m. no one that was home and I it says that the card have been used it fuel City so I called the bank and I go what's going on I haven't even got a card how could somebody be using it they said well we sent you a card and here 's the tracking number so I tracked it it had been delivered that morning at XXXX XXXX. they say someone signed for it rely card said it was me I wasn't home no one else was I said that's a large accusation I hope you have proof to back that so they asked me how I got the information about the transaction how I would know that and I said through a text message they said that's not true it's not your text message and I had just gotten into that account online the first time in a year. So I asked them to stop that card send me another card they said they did they charge me for it I got a text message saying your card was sent it'll be here in 3 or 5 business days on the XXXX of XXXX a few days later no card I called I said where's my card they said no one ever canceled that card and sent you XXXX will send you another card we'll waived a fee they charge me {$12.00} twice I got a text message saying the car was sent I called yesterday they said no card was issued now it's been 5 weeks since I've had a card I asked them for the card number the original card number that someone tried to use at XXXX and at the fuel City that I got text messages though they said they were not allowed to give me the card number or the accounting routing number I said I have to give it to the police they said we can't do that the police are telling me that they're lying and that it's my account and that I should be able to get the information out of that account they said you can't so a supervisor calls me back and tells me that they'll be happy to send me a card I said I don't want another card I want my money transferred out I want the account routing number and they said you will not get the money out of the account. I also talked to the Texas workforce commission who told me to demand that they transfer my money to another account now when I look at the account online it says I have a XXXX balance I had {$1200.00} in the I asked the supervisor to help me with the bill pay she said how dare you ask me to pay your bills for you that's so unethical .... I said I never asked you to pay my bills with your account I asked to pay my bills with my account and how dare you say that why would you take it personal we're talking about my money my account that y'all will not even let me access but you will transfer my money to someone else you'll have someone else to call and use my money but I can't have access to it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A