Date Received: 2021-07-02
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 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: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: U.S. Bank charged off my account after failing to alert me that my account was overdrawn in XXXX of 2019. I checked my US Bank app to verify I had no pending transactions and saw there were none.Because I was paid in cash and had no need to use a debit card and left the account inactive for two months. After the period of inactivity, I attempted to deposit money onto my account when I learned that my account had been charged off because of a roughly {$20.00} overdraft. Because U.S. Bank had incorrectly recorded my address into the account with an invalid address, I never received a letter of demand. Before U.S. I had even made a cash deposit in person before my account was charged off, but the U.S. Bank teller neglected to notify me that my account was overdrawn. Due to an error with the U.S. Bank app and their failure to record my address correctly, my personal finances and credit report have been negatively affected. It is reasonable for a customer to trust a financial institution to record the personal information a customer provides accurately. It is also reasonable for a customer to trust a financial institution to alert the customer if the customer makes a transaction in person of problems with their account. I trusted U.S. Bank to alert me by mail, phone, and interactions with bank tellers of account problems. Because U.S. Bank failed to maintain an accurate address that I provided them and to inform me when I was speaking with a bank teller, my personal finances and credit have been severely hurt. I only learned that this prevents me from taking loans after I graduated college and applied debt consolidation loans. I have attempted to dispute the claim but U.S. Bank refuses to correct its mistakes. I have attached portions of U.S. Bank statements that show the invalid address and the date I made a cash deposit. A brief internet search will show that the address U.S. Bank recorded and disseminated to consumer reporting agencies is invalid. There is a house number, the word " XXXX '' but no street name, and a zip code that corresponds to a city in a different state. It is the responsibility of the customer to provide the correct address 's, but it is also the responsibility of the financial institution to enter the correct address they receive from the customer. I use the address that U.S. Bank claims they sent demand letters to for other legal documents but this is the only time that an invalid address has appeared on any of my legal documents. I have attempted to dispute the issue with U.S. Bank but U.S. Bank refuses to correct their mistakes. Because of U.S. Bank 's mistakes, I am suffering.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The XXXX XXXX XXXX location forced me to go with a higher interest rate despite me securing a loan through the bank of my choice at the time purchase on XX/XX/21. I had initially authorized them to look for other interest rates but nothing was better than the one offered by my bank and I expressed my intention to use my bank. When I returned the day after to give the title for my trade in, I even confirmed with them that I would be bringing the check from my personal bank upon receipt. When I got the check, I attempted to bring it to the office at the same time that I picked up my green slip and the person present refused to take it. They repeatedly evaded me paying them with the check from my preferred bank and said nothing of the other loan. They simply claimed that finance wasnt available or that I would be contacted to finish payment. I did find out until I got the bill for the loan that they secured in the mail today. I contacted bank that they used ( US BANK ) and they informed us that the loan ( which has an interest rate FIVE TIMES higher than the loan from my bank ) could be canceled BY THE DEALERSHIP. They will not allow us to cancel it and the dealership refuses our payment because the loan is intact. The dealership refuses to take the steps to properly handle this debacle that theyve created and I will be forced to refinance with my bank and to eat the interest charges for the month that I wasnt even aware of this loanss existence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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: Someone stole my identity and used my credit card to open a account online and withdrew money from my credit card and put in the account they opened. It is not my account they opened. The money taken out was $ XXXX $ XXXX {$400.00}. I did not take this money out. They put it in the fraudulent account ending in # XXXX. I do not have a personal account ending in that. The credit card company XXXX XXXX says I am responsible for this money. Thats so unfair. I did not withdraw this money and place it in this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Since XX/XX/2021 my US Bank ReliaCard, which is where my Oregon Child Support Funds are deposited, has been inactive due to an attempted ACH transfer that was in question. Back in XX/XX/2021 I verified that the ACH transfer was attempted by me, and was told that all I needed to do to unlock my account was upload my Florida DL via web portal, and that my account would be activated within 5-7 business days. I immediately uploaded the copy of my ID and my selfie, as requested by the verification site, but weeks went by and my account was still locked. I called back, and once again was given the same information, so I once again uploaded my ID and selfie to the portal, and proceeded to wait. After another 2 weeks my account was still locked. I called 4 days ago, and was told they were escalating the situation and that I would be able to call back later in the week for more info. I called today and was given a completely different story than what I had previously been told which was that what needed to happen is that I needed to verbally verify, once more, that the transfer was initiated by me on XX/XX/2021, then fax or upload my ID directly through my mobile banking website. I proceeded to do this immediately after getting off the phone, waited a couple hours, then called back for a status update. When I called back, the customer service agent was extremely condescending, laughing as she told me that there is nothing she or the supervisor could to to help me. She finally transferred me to supervisor XXXX, who was able to verify that my info was received today, and told me that I would have to wait another 5 days before my account would be unlocked. She said there is no way to contact the department who does the verification, and that I would just have to wait. On top of it all, when I told XXXX the supervisor about how I was treated by the other agents, she simply said she would take note of it. I told her that she needed to speak with her staff, which she just ignored. The problem - aside from the 6 week runaround and misinformation that Ive been receiving - is that I had done every thing that I was asked to do, multiple times, and still do not have my money, which I desperately need to pay my rent today. On top of that, I was mocked, laughed at, and made to feel stupid for being upset about it. After doing a quick web search, it seems that US Bank ReliaCard has a bit of an issue with this situation, that has been repeated time and time again for numerous customers, all of whom needed their money to survive. Child support, unemployment and other types of government funds are not something we receive for fun or pleasure. This is the money we use to pay our bills and live, and this kind of treatment needs to come to an end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a notice from US Bank that a credit card was opened in my name on XX/XX/2021. They reported that it may have been a fraudulent account. I contacted them and they informed me that the account was closed on XX/XX/2021. An address in XXXX, PA was listed as " my '' address on the application, and this is not my correct address. I did not try to open this account. US Bank confirmed that the account was closed, and I contacted the credit bureaus to put a fraud alert on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My wife tried to fix this with no success so I am going to try! My name is XXXX XXXX XXXX and I just closed on my loan XX/XX/XXXX. The entire closing process what a Disaster! I changed my loan amount on XX/XX/XXXX increased by {$3000.00}. I was told all was good loan would close XX/XX/XXXX as I received my CD on XX/XX/XXXX. Well it all went to XXXX from there! No closing Sat! Was given the run around about things I already addressed and then!!! The day before I needed to close because I was leaving out of town ( XX/XX/XXXX ) I was told the address on the appraisal was wrong and needed fixed!! They had this appraisal for 3 weeks at this point!!! Why was this not caught 3 weeks ago? Nevertheless after another day of XXXX a closure shows up at my house XXXX XXXX!!! On XX/XX/XXXX! I asked him for the CD with the new loan amount as o had been asking since XX/XX/XXXX and never got it! Well guess what! My cost to close increased from $ {$2700.00} to {$4300.00}!!! I was beyond shocked!!! My wife tried to get it fixed! No fix!! So here we are! My wife tried to get someone at the bank to evoking the charges and no one responded to her! We closed as my mental health could not take dragging this out! I looked at the second CD which I should had been given well before closing and noticed they have being taxes of {$660.00} That was paid by U.S. Bank onXXXX from the escrow account they manage!!! Why in the world did they pay them at closing? There response - if it is an over pay XXXX county will refund well not to us but back to the back in which we may never see the funds! I did not increase my loan amount for them to wrongfully use my cash out funds!!! I had every penny account for to payoff my debt! Because they never sent me a recused CD when the loan amount increased I never saw the cost to close from the first CD! The Other cost increased from {$1000.00} to XXXX!!! How!!! I am pretty sure there are tolerance issues here under the XXXX rule! Also note- no revised LE was issued when the loan amount increased XXXX issue??? This could had been fixed had they given me my CD before XXXX at closing!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I been waiting for a resolution of a dispute or claim for months and months. I reported the issue in the right way but the bank employee got the wrong information. Finally last week I received the credit for months and months but even that, the bank did not refunded all the overdraft fees and also I was charged a extended overdraft fee that havent been refunded. I also requested the closure of my business account and the account still open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Today : XX/XX/XXXX An international Wire Transfer ( WT ) for {$9500.00} was effected by me on XX/XX/XXXX XXXX XXXX at the XXXX, CA branch of US Bank. It was handled by Mr. XXXX XXXX under guidance of Mr. XXXX XXXX who introduced himself as the Branch Manager. The wire transfer process entailed my input into appx. 4 screens on a small desktop digital device. Each screen had legal verbiage that I had to agree with. At the end of the process I asked for hard copies of content of digital screens I signed for. XXXX said that US Bank can not print content of screens I was presented with. Then I asked him to send me a digital version by email. He said that is not possible either. In my presence he telephoned his superiors and they confirmed what he told me. I asked for a receipt. He wanted me to wait for 15 minutes until time their back office has reviewed the WT. A one page receipt was issued which showed the $ amount of the WT. It did not contain any of the legal provisions I signed for. I told the branch Manager that it is incorrect not to give me copies of what I signed for, and to refer the matter to higher authorities at US Bank. He agreed to communicate with them by email. Upon returning home the same day I figured that there are laws and regulations that require Banks to furnish copies of what their clients sign on. I sent an email the following day to Mr. XXXX XXXX stating my legal entitlement for copies and to furnish those within 10 days. He did not respond. To this date I do not know what I signed for. A situation has developed pertaining to this WT where it is necessary for me to make a dispute, but I can not do so without a proper understanding of what I signed for. I called the US Bank XXXX branch about a month ago and wanted to speak with XXXX XXXX XXXX about this WT. A lady spoke to me and said XXXX was busy and took my name and phone number and said she will have XXXX call me when he is free. He never called me. I want the U. S. Bank to furnish me with copies of everything I signed on for this WT. Prior to the WT already discussed, on XX/XX/XXXX also a WT ( local ) was effected for me by the US Bank, for {$50000.00}, Ref. XXXX. On that, the XXXX branch did not have WT staff present that day and I was advised to go to their XXXX, California branch of the bank. The WT was entered on US Banks customary digital screen at that branch. When asked for copies of what appeared on the digital screens, they declined. They even refused to issue a paper receipt. After committing myself to charge my A/c {$50000.00} I was asked to go home without any proof in writing. I informed my concerns to the Manager of that branch and asked her to correct the situation. Given so much notice, if the US Bank has not corrected the situation, it is a clear demonstration of their blatant disregard for laws and regulations. I would like your organization to use whatever means available to it to rectify the situation ; if a penalty is appropriate please proceed. In addition to failure to furnish content of digital screens, the US Bank requires an email address and a cell phone number ( for 2 factor authentication ) from the sender of the WT. I have these, but all people do not. I am not sure if existing laws and regulations permit Banks to 'mandate ' an email address and a cell phone number as pre-conditions to sending a WT. You might want to review these and act as appropriate. End.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a savings account over the phone with US Bank last week, after we got off of the phone, I deposited {$120.00}, a day or two later, I realized that I had something that was going to be sent through my checking account, so I tried to transfer the money back into my account, I tried several times throughout the day but it kept saying transaction error, so I drove to the atm and tried to pull the money out so that I could deposit it into my checking account, again I got an error message. By this time it was after hours, so I called us bank the next day, I was told that a hold was put on my savings because they would be sending me a signature card to sign and once they received that, the hold would be lifted, I explained to her that I was not told that I had to physically sign anything or made aware that I would not be able to access my own money- I would never have transferred money into my savings if knew they were placing a hold on it, I was told that they would review the taped call and if I was not made aware of the hold, that my money would be refunded- so far as of today, there have been 6 overdrafts totaling {$210.00}, I have just had other automatic deductions come through today and have again overdrafted my account due to the original 6 overdrafts because of the hold on my account- I believe that I will be looking at an additional 4 - 6 overdraft fees. This would not have happened if I would have been made aware of the hold, I was not told during the set up of the savings and the bank has yet to fix this or produce the tape of me being told about the signature card or the hold that would occur- I have called the bank about this at least 5 times now and am desperate to get this fixed, its causing a snowball effect, by tomorrow Im sure this will have caused a total of 10 to 12 overdrafts at {$36.00} each.
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: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A