Date Received: 2021-07-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This has been going on since late XX/XX/2021. In a nutshell, the issue is US Bank is allowing a merchant to charge for twice the amount the merchant told me was going to be. On several occasions, including a recent XX/XX/2021, letter by US Bank, I have complained that some of the people looking at my dispute with US Bank do not understand the issue. The issue has always been the merchant charging twice the amount it told me it would charge. I have never said that I am not going to pay what I was quoted, but yet again ( per the XX/XX/2021, letter ) US Bank that it can't assist me because I received the services represented in the transaction. THAT IS NOT THE ISSUE. The issue is being charged twice the amount I was quoted. [ I have other documents but exceed the XXXX MB limit. ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XXXX XXXX, I purchased a {$100.00} Visa gift card from XXXX # XXXX in XXXX, Texas. On XXXX XXXX, the recipient of the gift card which was still in the cardboard packaging tried to make a purchase online. She was given the information that another party in XXXX XXXX, NV had somehow used the gift card and there was now a XXXX balance on the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2020 I hand wrote a letter disputing a transaction with us bank XXXX XXXX. I never received a response. XX/XX/2020 I faxed and mailed another dispute for that transaction. Never received a response. Approximately XX/XX/XXXX I called and spoke with a representative to make a dispute. And never received a response, until I received a bill saying I have to pay the total amount. {$3000.00} plus interest. I never received any disclosures in regards to the dispute and its timeline. I called in to speak with another representative and she communicated that the dispute was closed. I disagreed with their decision. They stated that the dispute was beyond time frame of dispute. They rules say 540 days due to this being an ongoing contractual service, with the most recent contract date requiring merchant to be of service in XXXX of this year. Secondly I should not be required to pay a bill on a disputed transaction. Us bank is ignoring the information and evidence I am supplying that supports my claim. Us bank is also reporting me late to credit bureaus. Us bank has shown blatant disregard to my consumer rights and protection by ignoring the first 2 written disputes and blowing the 3rd one off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
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 non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I turned on my computer and there was a XXXX warning and to call XXXX XXXX immediatly. I call XXXX and spoke to an agent named XXXX XXXX. He said he could take care of the problem but needed to control my computer. He took control and said I had been hacked.He said he would take care of the XXXX and connected me to the U.S. Bank fraud division. I was connected to an U.S. Bank agent named XXXX XXXX ( Phone # XXXX ). XXXX told me they were aware of the scam and that it was being handled jointly with them and the FBI He also told me that the perpertrators were trying to collect {$34000.00} from my savings account. He said that they had transfered the money from my savings to my checking Acct. and are requesting a wire transfer to a XXXX XXXX bank. The funds were transfered without my consent and the wire transfer was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: For the reason that has not been revealed to me, US Bank has frozen my account and is closing it. I have attempted to close my account at the local branch where it was opened. They will not close the account. After numerous calls to US Bank, I was informed that it would take them 45 days to close the account and release my funds. This is ridiculous, and the resources the bank has frozen are resources that I use for my everyday living expenses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account has been paid in full and not in a derogatory status. XXXX Has not made an update to the account since XXXX. XXXX has not updated this account since XXXX. Both credit reporting agencies are reporting different last payment dates for this account. As well as the date that this account was opened is reporting differently on Both credit reports. All Three credit reporting agencies all have different Information that does not accurately report this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, at XXXX XXXX, I was suppose to get a deposit of XXXX dollars, in my checking account. It never showed up in my account, I contacted social security, and they said they had the right routing, /account number, and it should be at US BANK XXXX I went to US BANK , three times, and they would not tell me were my money is, even though they said my routing number and account number was correct, I had to pay my rent, so I am overdrawn now, because this bank, can not accept direct deposits. Even though they push me into having direct deposit, or they would penalize me {$6.00} a month. XXXX I just want my money, I will be paying {$100.00} dollars overdraft fees, because of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
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: The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A