Date Received: 2021-05-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/21, I spoke with XXXX about my account. I advised of hardship and she said that she would put a hold on my account with no payment due. I checked my account today and noticed that I am now due for {$520.00} next month and I am not understanding why when I was told the account would be put on hold for one month. When I spoke to XXXX today I was told that the " hold '' only eliminated late fee but it didn't cancel payment completely and I was unaware of this. As a result, I am filing this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX. US Bank is supposedly added {$210.00} for an overdraft that I never knew about until not even a week ago and then they're going to withdraw it automatically again on a certain date when my unemployment had already covered it they said it was because of the covid and a stimulus check well they're getting ready to take the only bit of money I got and there's nothing I can do about it they didn't they don't care if no one ever told me or nothing and they never cashed my XXXX Bulgarian leather either which helped in it but my unemployment check covered the overdraft but they seem to put it in and now they're wanting to pay it back pay it back and you know I get XXXX a week about to lose my unemployment under XXXX can't find a job because unless I'm friend or a family of people you will not get a job and this is God forsaken country XXXX I will get a hold of me thanks XXXX XXXX US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59801
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Since XX/XX/XXXX, I have been attempting to dispute the BALANCE with US Bank regarding a credit card debt. They blatantly refuse to investigate the individual charges I have stated are the result of identity theft and fraud since the initial disputes because I verified in XX/XX/XXXX that the ACCOUNT was opened by me and was valid. US Bank then proceeded to block access to the account and statements, and refused for over two years to send me the account statements. Only through a dispute with CFPB in XX/XX/XXXX was US Bank finally forced to send me copies of the statements requested. On XX/XX/XXXX, I sent a letter to US Bank detailing the charges I have been attempting to dispute as fraud. The letter was sent via USPS Certified Mail with electronic return receipt. Tracking number XXXX XXXX XXXX XXXX XXXX, received on XX/XX/XXXX and signed receipt by XXXX XXXX. As of today, XX/XX/XXXX, US Bank has failed to respond to the dispute. I have received copies of each of the three major credit reports between XX/XX/XXXX and XX/XX/XXXX ; none of the credit reporting agencies have the account listed as " in dispute '' and all three credit reporting agencies state in the dispute results that US Bank verified the debt with them. US Bank is in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Savings Account -- > XX/XX/2016 XX/XX/2016 ( US Bank ) $ XXXX {$11000.00} taken out of my Account XXXX XXXX one getting access my mail. My debit card sherifs had it while I was locked up. {$500.00} was pulled out from XXXX us bank & {$500.00} XXXX XXXX bank each day for ten days straight when I went 80 % to 100 % .. XXXX XXXX my ex who put restraining order on me was dating XXXX & XXXX XXXX linked to house XXXX XXXX XXXX Scamming me {$1500.00} a month supposed XXXX ( XXXX, new car, red light rent ) Apparently XXXX wanted child visitation & my parents used her bait for me go jail over or should I say XXXX. Meanwhile I'm new directions @ VA like guinea pig not going anywhere but bad background record trying defend my bloodline
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Unemployment claims were deposited into my account and, my card was deactivated and the funds that were deposited are not in my account once they made my card active ,3 deposits or more are not accounted for, I have not received any yet customer service was notified by unknown in XXXX and IA, also I made a complaint. My funds were over XXXX dollars and my bills are behind, bills are overdue and some in debt collections. Please resolve this issue so I can return to work eventually. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I've reached out to you about this situation back in XXXX US bank replied and told me my account was going to be closed as of XX/XX/2021 bit the account is not closed my funds is just sitting there I'm being charged fees and when I call the representatives can't tell me anything I was able to get hold of what was suppose to be a senior banker who was rude XXXX and XXXX at this point I don't know what to do and feel it's unfair to me to keep getting charged fees when my account should've been closed my account has been under investigation since XXXX it's XXXX and still nothing this is crazy please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In early XX/XX/2021, I applied and was approved for a US Bank XXXX XXXX XXXX. However, I did not receive the card until towards the end of XX/XX/2021, and I was interested in spending {$1000.00} within the first 3 months to obtain the welcome bonus offer. I called US Bank credit card customer service around XX/XX/2021, and was told by a customer service representative that I will have 90 days from " the day the card is activated '' to spend the {$1000.00} which would put a deadline around XX/XX/XXXX. I relied on that information. In early XX/XX/2021, I called again, and was told the same thing. Later during the call, the customer service representative retracted on their words and started saying it's 90 days from the day the card was opened. I have spent the necessary amount, {$1000.00}, in accordance with what the customer service representative told me, that is, within the first 90 days of the card 's activation. They provided incorrect information, and am now claiming they can't issue me the welcome bonus offer. I should, in no way, be responsible for erroneous information that US Bank, themselves, provided. I request that the full welcome bonus offer be sent to me immediately. This is entirely US Bank 's fault, and they should be responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My name is XXXX XXXX I currently have a US Bank Relia card that I use to collect my unemployment and I havent been able To access my funds for over 2 months now. I have {$1000.00} on my card that I cant use. I asked them can they issue me a new card because my card was made inactive they said they couldnt so I asked them why and they just keep saying they cant. Ive called them multiple times an Im being constantly told its nothing they can do and I need to contact My state agency and I did they said they have nothing to do with the card its US Relia Bank Card. I can check the balance on my card but I cant use the card because it is inactive. Louisiana XXXX wanted to know why were they still loading funds on an inactive card and why they couldnt issue me a new card. Im so irritated with the situation and you guys are my last result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: THIS IS NOT A DUPLICATE REQUEST I filed 4 claims on XX/XX/20 on transactions after my online savings account was fraudulently accessed online and four XXXX transactions were were fraudulently sent from my account to someone named XXXX XXXX. On XX/XX/20 those claims were denied stating the transactions posted as requested. I submitted a second claim on XX/XX/20 after receiving this information. I did my own research and went to US Bank to obtain any information that they could give me on the XXXX transactions that were sent from my account. I spoke with XXXX XXXX who provided me with the person 's name, XXXX XXXX and bank, XXXX XXXX the transactions went to. From there I went to XXXX XXXX and spoke with the Assistant Branch Manager, XXXX XXXX. While speaking with her she verified that the XXXX transactions that those funds did indeed go into XXXX XXXX 's account. She contacted her fraud department to see what they could do on their end but she said unfortunately there was nothing they could do on their end and that US Bank she re open the case. After I left XXXXXXXX XXXX I went to the Police department to file a police report on the situation that occurred and spoke with officer XXXX case # XXXX. A little background, Back on XX/XX/20 my car was broken into and my purse holding all of my personal information was stolen. I filed a police report with Officer XXXX case # XXXX if you need to verify. My guess is, that information was used to access my account and fraudulently send wire transfers from my account. I don't know a XXXX XXXX and would never authorize 3 XXXX transactions to be sent to one individual in one day then turn around three days letter and send another transaction to the same individual. I have been in contact with the US Bank Fraud department several times, with no results. Please someone help me to make this make sense. I feel like I have done everything I can do and have contacted everyone I can contact and have still not gotten results. Today I contacted XXXX XXXX 's Probation Officer XXXX XXXX to let her know of the situation. She is in the process of submitting paperwork for probation violation. I am hoping the have this situation resolved as I have only received minimal communication in regards to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64157
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I previously disputed this account with US Bank and received the attached response. They did not do a thorough investigation. As I have mentioned before I am a XXXX My Drivers license and passports all have the same name.. this makes no sense I didn't even know XXXX gave credit cards for food. My father XXXX XXXX resided at my address through out that time however he has been incarcerated for about 5 years and I don't speak with him. I presume this debt belongs to him. Previous Dispute US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. Today I pulled my report and now the amounts are all different. The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A