Date Received: 2021-05-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is XXXX XXXX XXXX. Thank you for your assistance in this regard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a inquiry from a place called XXXX XXXX which I have no knowledge of. It was placed in XX/XX/2021 without my knowledge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I serve as the XXXX for a 501 ( c ) 3 organization which holds a checking account and credit card with US Bank. I was attempting to activate the card and was informed that I am not listed on the account, despite transferring accounts into my name two years ago. All billing for the accounts is mailed to my personal residence. I can view all account information including bills, transfer and pay accounts, etc. through my online account access. US Bank refuses to inform me who their listed account holder is, or how I would obtain this information. But did tell me I could go to the branch if I wanted. I did inform him I appear on the XXXX Report filed with the Corporation filings at the Iowa Secretary of State and could provide that documentation. I was told this was insufficient and that documents from a website can not be examined. He was unable to tell me if someone in another division would be available to review the documents. The supervisor XXXX ( Case reference XXXX XX/XX/21 XXXX informed me that he had no other option for me and contact with Office Of The President was my only option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52302
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I have done everything possible to get my XXXX money from this company since XX/XX/XXXX. It now XX/XX/XXXX. I have been filing my weekly claims and the money has been going on to the card every week for almost a year but I still do not have access to my money because I still have not received my ReliaCard in the mail. It says they sent it out last year in XXXX, but it never came because I moved. I changed my address on my account, I got my address changed on my driver 's license, I have called every number possible to verify my identity with ReliaCard as well as verified my ID on their website by taking a picture of my driver 's license and a selfie, more than several times. Still nothing. I am about to get evicted from my home because I am so behind on rent as I have been waiting months to get my XXXX money to get caught up on bills. This company is extremely unprofessional and I believe it is fraudulent. I am not the only one having this problem, I am one of thousands of XXXX who still have not received their XXXX money whose life is now in shambles because they have been relying on this money to get by! Please help!!!! I just want them to mail me my new ReliaCard with the account unlocked so I can access my money and keep my home!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My US Bank Savings account was hacked online on XX/XX/20. There were transactions that were made that I did not authorize. Some of the charges were reversed with the exception of XXXX XXXX transactions in which they denied my claim stating they were authorized by fingerprint authentification. I have called several times to speak with a manager and I pretty much have been getting the run around because I have yet to speak with one. The crazy thing is 5 days prior to my account being hacked, I received an alert on my phone stating information changed on my account, and if I did not make the change to call the bank. When I called the bank nothing was never verified and she told me it was probably a delayed alert.
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: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
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: Dear XXXX XXXX ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US BANK HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN US BANK CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX of XXXX my husband & I purchased a 5th wheel RV. At the time both of us were gainfully employed. Within months of this purchase my husband became very ill and was XXXX in XXXX for approx. 1 week. Upon discharge my husband was unable to continue working. As he was XXXX at the time, he was able to file for social security retirement benefits. His retirement income was approximately 70 % less than when he had been employed. As a result of this, we were no longer able to continue payments and we voluntarily surrendered vehicle to US Bank. US Bank took possession of the vehicle in XXXX of XXXX. In XXXX of XXXX, we did receive a statement that there was a balance of {$23000.00} due on the account. Since then, I may have received one or two notices about the amount owed, but we did not have anywhere near that amount to pay them. My husband passed away in XXXX of XXXX. On XX/XX/XXXX I received a summons that I was being sued by US Bank. I had received no notification of any intention to sue, nor any attempts to resolve debt. The last notice I received from them was probably in XXXX or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33860
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX XXXX ( US BANK ) ACCOUNT ENDING XXXX - COMPANY HAS DECREASED CREDIT LIMIT TWICE IN THE SPAN OF 18 MONTHS - I WILL ACKNOWLEDGE THAT MOST RECENT CASE ( XX/XX/XXXX ) IS LESS DISPUTABLE AS I MADE PARTIAL PAYMENT ON TOTAL AMOUNT DUE - I HAD PREVIOUSLY INQUIRED ABOUT PROMOTIONAL RATES OR PAYMENT ASSITANCE DUE TO FINANCIAL DIFFCULTY DURING THE PANDEMIC - THE FIRST TIME THE LIMIT WAS DECREASED ( XX/XX/XXXX ) I WAS ONE DAY LATE AND IMMEDIATELY MADE PAYMENT WHEN I REALIZED IT HAD NOT BEEN SCHEDULED. I TRIED TO RESOLVE THE MATTER WITH CUSTOMER SERVICE BUT THEY ONLY SUGGESTED TO KEEP MAKING ON TIME PAYMENTS AND THE ACCOUNT WOULD BE REVIEWED AS OFTEN AS SIX MONTHS. 18 MONTHS LATER AND DESPITE ON TIME PAYMENTS, NO CHANGES OCCURED - I REACHED THE UNDERWRITING DEPARTMENT BY WAY OF CUSTOMER SERVICE XX/XX/XXXX BUT NO CHANGES WERE MADE. UNDERWRITING EMPHASIZED IT WAS US BANK POLICY TO DETERMINE THE CREDIT LIMIT BASED ON PAYMENT HISTORY AND TOTAL CREDIT, YET MY CREDIT IS VERY GOOD AND MY PAYMENT HISTORY FOR EVERY CARD IS STELLAR, AND EVEN THE COUPLE OF INSTANCES OF LATE PAYMENT ON OTHER ACCOUNTS DID NOT RESULT IN DECREASED LIMITS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report on XXXX XXXX and realized I had inquires on my report that I don't recognize, they are all from 2021 Inquiry disputes Us Bancorp XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A