Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened an account with US Bank XX/XX/2021. For the second time now, I have had problems with their reports to the 3 major credit bureaus. For example, XX/XX/2021, I paid out this account. I had no payment due at the time. But, I paid out the account because I had problems with their reporting just the month before where I paid on my account before the due date ( even then I had no payment due ). The report to the credit bureaus then indicated I had made no payment on the account, but that I had paid on time. So, XX/XX/2021, again, I had no payment due because of previous payments. On that date, I paid out the entire balance on this account 4 days before the payment due date of XX/XX/2021 ; and, 7 days before the statement closing date, XX/XX/2021. On today, XX/XX/2021 I received a notice from XXXX Credit Bureau that I had an increased balance on one of my accounts ; it was US Bank again. According to XXXX, the report was issued to them today, XX/XX/2021. For this account, my payment due date is the XXXX of each month. The statement closing date is the XXXX. But, this bank reported my " balance as of XX/XX/XXXX '', which just happen to be the day I made the pay out payment. My receipt indicates the payment date of XX/XX/XXXX. It would seem this bank is reporting false information and actually closing out statements before the statement closeout dates in order to charge interest they would otherwise not receive! Please investigate their practice of credit reporting, payment due dates and statement closing dates. Thank you. PS. I have tried to copy and paste a copy of my credit report referring to this account, but couldn't get a clear picture. But, I have attached a copy of my most up to date, but redacted, account summary from US Bank and a copy of that payment receipt. If you need a copy of my XXXX report to investigate this matter, please let me know. I'll call XXXX to determine how to make a legible copy. Thank you again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the afternoon of XXXX XXXX, I was scammed by someone impersonating XXXX Computer. I opened my XXXX laptop to make an online order. On the screen was the message Security Alert that said it was from XXXX. It also said that leaving the page could damage my computer and it had a Help number to call. Not sure what was going on, I called the number and the person told me someone was trying to hack into my computer and my accounts. To fix this the woman said to type in the address bar teamviewer, which permitted her to see my screen and control the cursor. When I did that, she told me I needed to log into my bank account because someone was trying to get into my account. Once she gained access to my account, she activated the XXXX money transfer application, which only requires a cell number that she had from my call. She told me to write down the following information : her name and XXXX I.D . number, XXXX XXXX, XXXX, her extension number, XXXX ; the names XXXX XXXX and XXXX XXXX and an email, XXXX. While I was writing this information down, she activated the XXXX money transfer application and started taking money out of my account. As soon as this occurred, the bank logged me out of the account. She then told me she could connect me with the bank so I could log back in. When she connected me to the bank, the bank agent said they logged me out of the account because of this suspicious activity and asked me if I had received a call from XXXX, XXXX or anyone. I said no. The bank agent then asked me if I authorized any money transfers. I said no and and I do not use any type of money transfer system. I was immediately disconnected from the bank agent because the scammer was listening to our conversation. After this had taken place, I received two text messages from XXXX Refund Department thanking me for using XXXX Security and that the money would be refunded into my account within 24 hours. Seeing this, I knew I had been scammed. The scammer had control of the cursor and that phone conversation between me and the bank agent. Later that evening, I finally got to talk to a bank agent named XXXX about the situation. I told him what happened and followed his instructions to immediately file a fraud claim with the bank, change our account and credit card numbers, passwords, etc. I also gave the information to the local police, the FTC, and called XXXX for a fraud alert. Approximately two weeks later I received call from a bank agent from the main branch in XXXX, MO. The agent said she had some questions about what happened and I told her what happened and that I did not authorize any money transfers. The scammers did all that. On XX/XX/XXXX, I received two letters from the XXXX XXXX Digital Claim Services dated XX/XX/2021, that said During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. Then letter also said if I wanted copies of the documentation they used in their investigation or needed additional assistance to call XXXX, which I did. I asked the first agent I talked with to explain the phrase we determined the transaction posted as requested, because I did not make or request any money transfer but that the scammers did that. She merely reiterated that the claims had been denied and then said she needed to transfer me to someone else. This next agent said she was with the card department and said I needed the fraud department, which I thought I called the first time. I talked to this third agent about what happened and told her I thought it was wrong that I was denied because of how it happened. I indicated to her that I was going to file a complaint and asked for their investigation documentation, which she said she would send it out. That was twenty-five days ago and I have received nothing. I did not make, nor authorize, these transactions, but, the XXXX XXXX Digital Claim Services is blaming me for being scammed. And, they ignored my request for the documentation. The message said it was from XXXX and I have XXXX computers. So, I did not think too much of that. I was duped into believing it was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On Wednesday XX/XX/2021 I was given a job offer for XXXX in XXXX XXXX XXXX, MN. The job offer ended up being a fake job and the scammers are using the identity of a man named XXXX XXXX. The scammers sent me a check for {$6500.00}. I was to deposit that money into my bank account, which I did on Thursday XX/XX/XXXX, and pay a third party for the equipment to do the job, which I did on Friday XX/XX/XXXX. I was told to pay the amount of {$6000.00} into an account for the computer equipment and to XXXX {$550.00} into a separate account for training. The original check for {$6500.00} ended up bouncing and upon discussing the situation with members at the XXXX bank in XXXX XXXX XXXX and the US Bank in XXXX XXXX XXXX we believe that this was a fake job scam. The account that I deposited the {$6000.00} into was an account with XXXX bank belonging to a XXXX XXXX. Account number XXXX. The XXXX account belonged to an XXXX XXXX. His account number is XXXX. I am unsure which bank this account is associated with but I believe that it is US Bank. Both of these counts belong to scammers and the reason why I am writing this complaint is to have these accounts looked into. I have filed a report with my the XXXX XXXX XXXX police department. The case number is XXXX. I also filed a report on the scammers with the FTC. I was told that filing a report with the CFPB would also be a necessary step since this is a banking issue. I have spoken with US Bank several times regarding this issue as well as XXXX bank. I have included the bank statement with the dates and transaction orders below. I have also included a picture of the fraudulent check as well as pictures of the cashiers check receipt and the money order receipts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I leased a new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. Part of the deal was a trade-in of my XXXX. The XXXX was leased by me from US Bank on XX/XX/XXXX for 4 years. The XXXX lease had not yet run out and there was some residual due. I have received monthly statements from US Bank every month since then demanding that I make the lease payments and claiming that more than {$20000.00} is now due and owing. The lease should have been paid off or, in some way, handled by XXXX XXXX XXXX but it has not been. I have spoken to US Bank on more than one occasion and explained that the XXXX is now owned by XXXX XXXX XXXX but they continue to send me the monthly dunning notices. The most recent dun from US Bank is threatening to send the debt to Collection and US Bank is now adding late payments to the lease payment. My husband complained about these same facts ( Complaint XXXX ) and the CFPB informs us that US Bank claims not to know who he is, although we share the same last name and address and from my credit report they can easily determine that he is my husband. The refusal to respond to his complaint by claiming not to know who he is is simply another evasion and tactic to put more pressure on the consumer. The attachments include my husband 's emails to XXXX XXXX XXXX to try to get them to honor the deal they made. Also attached are the monthly lease statements we have continued to receive from US Bank. Also attached is the lease I signed with XXXX XXXX XXXX on XX/XX/XXXX : the trade-in was a part of that deal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92106
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In the process of adjusting our escrow with our Home Mortgage lender, US Bank XXXX Mortgage, our Auto-Pay option was turned off without our knowledge or consent, therefore resulting in a missed payment on XX/XX/21. We were notified of this via USPS mail which was sent out on XX/XX/21. Upon receiving this communication we immediately logged into our account and turned our Auto-Pay option on again as to complete our payment for the month of XXXX. In communicating with US Bank, the change to our Auto-Pay was made on XX/XX/21. I have no supported evidence in my browsing history related to US Bank on or around this date. We were notified on XX/XX/21 that our credit had been impacted by a 30-day late payment by XXXX and XXXX. Upon receiving this information we immediately followed up with US Bank XXXX Mortgage, who confirmed that because our Auto-Pay was turned off not only did our XXXX payment not process, our XXXX payment did not process as well. We took the necessary action to make our account current again, and confirmed that our Auto-Pay option would in fact auto-draft go-forward so that we will not run into this issue go forward. We believe that this was truly an internal error on the US Bank side while making other changes to our home mortgage account and we are being unfairly punished in the process of resolution. We have disputed this information with all 3 major credit bureaus as well as internally with US Bank and have not had any resolution thus far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've been trying to access my debit card information on the online website for my USbank Focus Card since the beginning of XX/XX/2021 ; to view my transaction history and balance information. I have contacted the bank every other week from XXXX to XXXX of this year ; and their customer service just gives me courteous assurances that they are working on an IT problem to " unblock '' access to my account. I have talked to maybe 6 to 8 customer service representatives ; all promising they've escalated my complaint, and they will notify me when fixed. Haven't heard from them since my last call around the 2nd week of XXXX! Every other week it's the same thing. I sign on, I try to bring-up my account, and my access is blocked. I've tried to recreate the account, but I'm blocked. I go through a useless process with the reps that doesn't work. They're always sorry ; but it's always the same excuse. They said they would remove the account off-line ; to allow me to sign-in, and create a new account from scratch. I've tried, and they haven't done anything. The old account just sits there, with my name, and the dots hiding my old secured-password ( Which I've tried to change, and that's what started this mess in the first place ). Meanwhile, I get an error message blocking me from access ; and telling me to call the number on the back of the card. I have ... many times! Yet nothing gets fixed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06114
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: US Bank Reliacard has ruined my life My card was frozen in XX/XX/XXXX. This card account held every penny I had to my name. I complied with their demands and sent proof of identity, proud of address, both current and previous, as well as a forwarding address that I was at currently, and account information for verification. I sent it by email. I sent it by fax. I have it to them verbally. This went on until XX/XX/XXXX! In that time, while my card was frozen, I could not eat. I was stranded out of state, 700 miles from home. I then lost my home and all my belongings because I had no way to get home, or pay my bills, for three months. They cost me everything. They eventually mailed me what appeared to be a check in late XXXX. However, upon trying to cash the check. I could not. After numerous calls to US Bank Reliacard, they finally informed me I must take the check to one of their US Bank branches in person. There is only one of their banks in the entire state, and it is still over four hours away. Which was impossible. I never did make it to a branch in person. In addition, my wife had just XXXX XXXX, I'm told. I was not there. I have had to continue this ridiculous process yet again in an effort to retrieve the funds from my wife 's account. This has gone on from XX/XX/XXXX up to today, XX/XX/XXXX. Four more months have passed and I send them POA, MPOA, Affidavit of heir, other notarized documents indicating my status as next of kin, Agent by proxy, and court stamped documents naming me Adminstrator off my wife 's estate. I have sent images of her social security card. Images of both our drivers licenses. I have sent them her death certificate. All have been sent over 20 times. Five times a month, for over for months. They have not replied to any single question I have asked. They have not acknowledged receipt of emails or documents. They have done absolutely nothing to resolve this problem. Did I mention my name is even on my wife 's account? " In care of '' ... My name, clearly on the account with my wife, and yet they continue to ignore my rights and obligations. US Bank Reliacard had literally cost me absolutely everything I possessed in the entire world and has had nothing to say about it at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The US Bank at XXXX XXXX XXXX in XXXX XXXX, CA XXXX flagged my stimulus check because we are XXXX XXXX XXXX. They froze my account, and when I came to inquire, they said they closed my account since the deposit also had my wifes name on it. I brought my wife, marriage certificate, and tax returns to the bank, but the Vice President of the bank, XXXX XXXX refused to keep my account open so my tax return could be deposited because she was upset about our demand for our marital monies. I feel discriminated against, and she made it a point to say she closed the account because she was upset. She also said they dont recognize XXXX XXXX marriages in their algorithms. This discriminatory process coupled with Ms XXXX bigotry and pettiness has put my family in a financial bind, unable to access my stimulus or tax returns, during XXXX XXXX month, and to an essential healthcare worker during a pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
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: On XX/XX/XXXX we purchased a used XXXX XXXX XXXX motorhome. Purchase price {$170000.00}. We financed {$61000.00} with US Bank. On XX/XX/XXXX we paid off the remaining finance amount of {$56000.00}. When we applied for the loan in XXXX of XXXX, the dealer ( XXXX XXXX in XXXX, NY XXXX had the wrong vin number on the paperwork. We can not get the title from US Bank. They are saying they don't have the title. I spoke with the Pennsylvania department of transportation. They confirmed they sent the title to US Bank. I have spoken with US Bank numerous times since XXXX, explaining about the wrong vin number. They apparently won't even look for the title with the correct vin. XXXX will not give me a new title without a lien release. I don't have a lien release with correct vin number, only one showing wrong vin. Have attempted to talk to supervisors at US Bank several times and only get voice mail with no return calls. The agents I spoke with at US Bank say they can not call the " company '' that retains the titles. They can only send email requests for the title. They only receive refusals to their requests for the title. I am at my wits end. We have a fully paid off expensive motorhome, but can not get a title. Please help! Thank you, Attaching copy of loan document, Bank statement showing payoff, and lien release we received with wrong vin number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A