Date Received: 2023-12-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened account with US bank using a promotion code of XX/XX/2023. I was told once my account had {$5000.00} in deposits I would receive {$300.00}. They have lied repeatedly saying they would research the account but dont have any intention of fulfilling the incentive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. This mandate is clearly stated in 15 USC 1681 Section 602 ( a ), which declares the need for " consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies '' qualifies as a financial institution under this statute. Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) restricts the circumstances under which consumer reporting agencies like XXXX and XXXX can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither XXXX nor XXXX, nor the furnisher of information, possess written consent from me to access my personal information. Therefore, any form of implied or verbal consent, written or otherwise, is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their " nondisclosure option '' before disclosing nonpublic personal information to unaffiliated third parties. However, the furnisher of information failed to inform me of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including " other adverse item [ s ] of information, '' other than criminal convictions exceeding seven years, in consumer reports. This provision directly contradicts the inclusion of outdated negative information on my report without my permission. In conclusion, the actions of XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and the furnisher of information clearly violate the Fair Credit Reporting Act and my right to privacy. I demand immediate rectification of this situation, including the removal of unauthorized information from my credit report and adherence to the legal requirements outlined in the aforementioned statutes as well as XXXX $ per violation of the FCRA. Unauthorized Credit Inquiries and Inaccurate Reporting : Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; Fair Credit Reporting Act ( FCRA ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Unauthorized Inquiry - //X ) : Violation : Unauthorized credit inquiry ; FCRA Section 604 - Permissible purposes of consumer reports. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] - Compliance procedures regarding accuracy and integrity of information. Inaccurate Reporting ( Account Number : ) : Violation : Reporting inaccurate payment history ; FCRA Section 607 - Compliance procedures regarding accuracy and integrity of information. Unverified Accounts on My Credit Report : Unverified Account - ( Account Number : ) : Violation : Unverified account ; Fair Debt Collection Practices Act ( FDCPA ) Section 807. False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; FDCPA Section 807 [ 15 USC 1692e ] - False or misleading representations. Unverified Account - ( Account Number : ) : Violation : Unverified account ; 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6805 - Enforcement 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 313.7 Form of opt out notice to consumers ; opt out methods. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 12 CFR 1016.1 Purpose and scope. 12 CFR 1016.4 Initial privacy notice to consumers required 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods Privacy Act of 1974 ( 5 U.S. Code 552a Personal Impact : These infractions have far-reaching effects that go beyond the financial setbacks including lose of job opportunities, denial of Housing and psychological distress they inflict. I have been unable to provide a stable environment for my family. Now 5 years of homelessness I'm looking for security and a fresh start. Unfortunately, the errors and disputed accounts on my credit record have turned this fantasy into a crippling ordeal. My family has been severely hampered by the difficulty to obtain advantageous financing anything to stay alive but also keeping a loop of uncertainty alive and causing stress, XXXX and XXXX. This experience has diminished our emotional resilience and put our financial stability in jeopardy, which lessens the likelihood that things will get better in the future. Action : Given the recorded transgressions and the upsetting effects on my life, I beg the Consumer Financial Protection Bureau to take action and make these violations right. I fervently ask that the unlawful credit inquiries be stopped, that false information be corrected in reports, that the unverified accounts be thoroughly investigated, and that there be a monetary remedy provided for the aforementioned infraction. I think that consumer protection legislation have the ability to guarantee fair and just financial practices. By taking action against these infractions, you protect the integrity of credit reporting systems for all customers while simultaneously helping to restore my financial stability. I value your consideration of this issue and look forward to a thorough conclusion that upholds consumer rights and advances financial justice of XXXX $ per violation of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: hello my name is XXXX XXXX XXXX. I opened up a US bank account early in XXXX of this year in XXXX. I opened it due to the fact that I was surrendering my XXXX XXXX XXXX XXXX policy which was from my deceased husband XXXX XXXX. He payed the policy in full and never missed a payment. I had made a couple withdrawls and so at the time of being surrendered the total was a little over {$54000.00}. I was not planning on cashing it in so I asked for {$9900.00}, which was my first deposit into my US bank account. I believe that the remainder was deposited the very same day if not the next. The day after the first {$9900.00} withdrawl from XXXX XXXX, I really got peeved with them and I kindly asked them to allow me to surrender my account in full and close it up. So they did, and then my total was the full {$54000.00} into my US bank Safe Debit Account, which I was not made fully aware that this was actually a savings account not a checking account. So, I asked my niece to help me make a real checking account in which she did. I surrendered the account in its entirety not only because National Life upset me but because I needed money for a multitude of medical bills I was accuring at that moment. My niece was with me and we ended up making the alternate actual checking account and we proceeded to transfer {$5000.00} into it to open it up. The transfer was successfull and I was still awaiting a debit card, which at the time was taking rather long for the first one to arrive. I needed MY MONEY, MY MONEY WHICH WAS PUT INTO THE XXXX XXXX ACCOUNT FOR ME BY MY DECEASED HUSBAND. My niece informed me we could do a XXXX transfer, and appafrently as soon as she attempted this the account got locked. I immediately called the bank and they were rude, had little to no explanation as to what was going on, and I was fit to be tied. I demanded the account to be closed immediately and for them to send me my money because I no longer wanted to do business with them any more. They replied that that was fine so there would be a check in the mail in the entire amount for both accounts which at this point was {$49000.00} and {$5000.00}. I believe it was the following day or the day after that that I was havimng a XXXX XXXX at the XXXX I am XXXX XXXX XXXX, I need assistance in almost everything I do. I currently XXXX XXXX XXXX had it XXXX and XXXX XXXX XXXX. I have only been to the XXXX in a XXXX if I have left this house at all with the exception of attending a notary signing and moving. These instances drained me to no avail. So, then US bank informede me that I would need to physically go into the bank in which it just wasnt going to be able to happen. I am at my wits end with this bank, and they have held my money for almost a year. I had my niece go into US Bank with a notarized PoA in which i feel like they see it as something taken lightly. She is my chosen Fiduciary. She takes it very seriously as do I. So, atempting to collect MY MONEY YET AGAIN SINCE I WAS IN A BED RIDDEN STATE DUE TO MY HIP WHICH I HAVE MEDICAL DOCUMENTATION FOR, PLEASE SEE ATTACHED. Please I am not going to be on this earth this much longer I just want to fullfill my financial obligations with what is mine. I can not physically make it to the bank thats why there is my PoA is enacted and she needs to be treated as though she has full access to my account and made able to retrieve all funds. I feel like my rights are being violated and i have read the ADA act, I have asked many questions and I feel as a aging consumer with not alot of time left in this world that this bank would be as kind as taking all these factors into consideration and just giving me whats mine hopefully before XXXX. Help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93901
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I tried to use my prepaid card ( which I registered at XXXX ) and the card was locked, I called the company and they told me I need to fax them a photo of my card, along with my ID and SSN, which I refused to do, they do not need that info, I called the number on the back of the card ( XXXX ( XXXX ) XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38133
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: elanfinancialservices yesterday there is a hard inquiry on my credit report and I never gave consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I was denied a Home Equity Line Of Credit under false reasons. When I asked to speak with someone for clarification, I was told that there was no one that would speak to a consumer directly. I am being told that my HOA is no in compliance with our XXXXXXXX XXXX XXXX. I sent a copy of the XXXXXXXX XXXX XXXXXXXX and the applicable amendment which clearly showed that the HOA was in compliance. Then I was told it is because the Home is not insured. I then sent a copy of the insurance showing that the whole structure is insurance as required by the XXXX XXXX XXXX. Then the processor, XXXX XXXX, and I kept going in circles where he woild give the same reasons over and over again and I would have him read the same language that showed the decision is incorrect. He explained that there is a special committee within US Bank that arbitrarily makes decisions on lending to homes in certain HOAs. I asked to speak with someone, but he said only he can speak to an underwriter and that the underwriter is not a part of that special committee. However, the underwriter wasn't passing the information to that committee. I have been wrongfully denied credit when I qualify by all their guidelines. This all seemed to happen after I was asking for clarification about the accuracy of their `` drive by '' appraisal. Prior to that, I was sent a letter offering the credit which is now being pulled and my application is denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX : XXXX Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. US BANK XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX am writing to assert my rights under California XXXX XXXX XXXX XXXX and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section XXXX ( a ). As outlined in Section XXXX ( b ), I expect your agency to provide the required notice to me, in accordance with Section XXXX ( a ), confirming that my personal information XXXX be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section XXXX ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section XXXX ( d ), to cease the sale or sharing of my personal information. As per Section XXXX ( c ) ( XXXX ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision XXXX result in legal consequences, as outlined in the California XXXX Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for XXXX XXXXXXXX XXXX XXXX XXXX on XXXX, XXXX and finally on XX/XX/2023 and got denied on all occasions without any reason or explanation. They claimed they will mail out the reason, but they never do. When I contact them they never respond. Regardless of the reason for being denied. I have the right to credit. Withholding my access to securities is securities fraud. You are violating the equal credit opportunity act and consumer credit protection act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Opened US Bank XXXX checking account. Money was deposited from spouse into account. Tried to transfer money out of account to another of my business accounts ( XXXX XXXX ). US Bank responded by flagging the activity as fraudulent and closing the account without giving me any opportunity to verify the activity. I have reached out to the company several times since then ( been at least 60 days if not more since I was told the account was being closed ). Each time they tell me they're working on it and can not provide an estimated timeframe when I will receive my remaining balance. They are holding my money hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A