Date Received: 2021-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I tried to pay my deceased Mothers balance of {$1.00} on XX/XX/XXXX. I did not know that her bank had put a hold on her account and that the payment was reversed on XX/XX/XXXX. I got a success transaction. But I received a bill on XX/XX/XXXX ( see enclosed ) that stated the payment was reserved and now you had charged me {$29.00} on a {$1.00} bill. I would have been better of not paying the {$1.00} bill but I tried to do the right thing. I called on XX/XX/XXXX to discuss this with XXXX XXXX Customer Service and got nowhere, so I asked to be transferred to a supervisor. I got XXXX and she was so apologetic and said she would handle this bill and for me not to pay it since it was all over {$1.00}. I took her at her word and heard nothing else until and lo and behold, today I got a letter stating this account had been transferred to US Bank for collection. Is XXXX XXXX that hard up for {$1.00}? If XXXX wasnt going to do as she said I would have happily paid the bill while talking to her on XX/XX/XXXX. TO SAY I AM SHOCKED IS AN UNDERSTATMENT. I even mailed a copy of the death certificate to her ( copy enclosed ). So for the record, I am not paying this bill. You can try and collect it all you want and you can ruin my XXXX PERFECT Credit ( FICO Score of XXXX ) and her perfect payment record to you. I dont think she needs credit in heaven. But I am not taking this lightly and have filed a compliant to XXXX, Consumer Financial Protection Bureau and FCC. It wont help this situation, but there were be yet one more compliant of record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Credit reporting agencies do not have same information underwriting have. The three credit reporting agencies tell me they dont have information that my XXXX XXXX XXXX loan is in default, but current. Underwriters ( banks ) say I pay {$3000.00} a month. Ive produced documents from the XXXX showing what I pay XXXX {$0.00} XXXX. Thus no loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was held on XX/XX/2020. I have not.been given a reason of why or until XX/XX/XXXX I received a letter stating it was closed for suspected fraudulent activity. I had gone in on XX/XX/XXXX and was told in a utmost rude fashion and disrespected by one of the tellers that they closed it. So I received a statement for XXXX to XXXX closed XX/XX/XXXX statement received late XXXX. Now it's XX/XX/XXXX. I have no funds from my account. Which was over XXXX $ and I on XX/XX/XXXX receive a text and email saying my account which I have had no access to nor have I made any checks out on. Or other payments, is overdrawn XXXX $ with was the EXACT amount of the unemployment check in which they stated was fraudulent. When will I get my money refunded and how is this negative balance even allowed on the account, and how does a bank get awY with taking your money and not telling you why or when especially during a pandemic in which we are already suffering. This is inhumane. I can't qualify for funding cause of unemployment money I received but I don't even have. So how long does my family suffer and my kids go hungry because of this. It's appalling. I need my funds returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Us bank is racially discriminating against me. They closed my business checking account and debit card for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
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: We have on several attempts with XXXX to resolve an inaccurate late payments caused by XXXX of XXXX XXXX to submit a pay-off check to US Bank, after the XXXX XXXX XXXX was traded on XX/XX/XXXX. XXXX of XXXX XXXX failed to remit their check # XXXX in a timely manner due to personnel changes, as indicated by Mr. XXXX XXXX, Subject : Delayed Payoff Check # XXXX XXXX XXXX to US Bank, dated XX/XX/XXXX. The dealer was eventually closed by the authorities due to several illegal activities that indicated Mr. XXXX. The payment trend was excellent until the trade-in, which should indicate the true payment pattern we had established with US Bank. This is the latest late payment in XXXX / XX/XX/XXXX had has caused harm to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2021. I received a call from US Bank Cardmember ServXXXX asking me if I had a card number ending in XXXX. I was confused because I do not have any card ending in XXXX. Later I learnt that this card ending in XXXX was the replacement card for the XXXX XXXX XXXX, but I have never received the card. The representative said there were suspicious transactions and believed there were fraud activities going on. I made sure that I do not own the card and I did not make any transaction using the card. She assured me that everything is taken care of and closed the account immediately. The total amount of {$4000.00} were made on XX/XX/XXXX and XX/XX/2021. I don't even know the whole 16 digit card number as I've never received or seen this card. 3 weeks later I received letter from US Bank Cardmember Service claiming that after their investigation, they will make me liable for these charges. The reason is the card was activated from a phone number that is shown on my account. US Bank also called that phone number to verify. This is ridiculous because I never have that phone number. I tried to work with their agents and all I learnt that all they did is keeping calling that fraud phone number to verify, which is totally illogical. The issue is obvious. Someone hacked into US Bank Cardmember Service system and added a phone number to my account. With this phone number added, they may have changed my address so I never received the card. They activated the card using that phone number without being confirmed of the identity. US bank does not do any identity check but just use that phone number as identification. Whoever owns that phone number is the apparent criminal of this case. US Bank Cardmember Service should do the real investigation to chase the criminal who hacked into their system, but they did not. Instead, they simply blaming it on me stating that since the phone number is on the account, they are making me liable for these fraud transactions. This is totally unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2021 - Credit pulled by USBANCORP, XXXX XXXX, and XXXX XXXX XXXX. XX/XX/2021 - Credit pulled by USBANCORP. I did not myself request my credit to be pulled for any reason. I have no accounts with any of these lenders. XX/XX/2021 - I called USBANCORP and they suspect fraudulent activity. I also called XXXX and they recommended I submit a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: During the mortgage application process, XXXX XXXX with US Bank shared my husband and my credit scores as well as debt-to-income ratios with the seller as well as the sellers realtor. I was never provided with the appraisal documents for the house we are in the process of purchasing. Due to having an FHA Loan ( case number ), the process has been halted and XXXX refused to give the new lending company the case number or the appraisal. My husband and I have also been denied access to our application process account on their website : https : //mortgageapply.usbank.com/.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I was Identity Theft-ed and a unemployment insurance was filed against me which I believe prompted the issuance of this USBank XXXXcard. Of course I destroyed the card and tried to reach USBank 's number that was on the letter that came with the card to tell them I don't want this card. The person said they are not associated with the XXXXcard program and that they couldn't do anything about it. She then transferred me to the fraud department for the XXXXXXXXcard and it was an automated teller that instead of taking my information was proceeding to activate the card! I did not proceed and hung up. Why is then their number on the letter that came with the card if they are not associated with the card? There were other numbers on the letter which all said they can't do anything about the card. I just don't want any charges sent to me from this card in the future is the reason why I wanted to call someone and say that this was fraud based.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Wednesday XX/XX/XXXX at around XXXX PM I went to a US Bank ATM on XXXXXXXX XXXX XXXX XXXXXXXX Ca XXXX and attempted to withdraw {$700.00} cash. After releasing my card back to me the ATM said it timed out and no money was given out. I tried two more times and these two times the withdraw button was completely unavailable. Immediately I checked my US bank app and my account reflected the XXXX despite not giving me the cash. I called customer service and the agent told me there was nothing he can do except start a claim that would take 10 business days to decide for just the provisional credit. After insisting I get my money back immediately because I specifically pulled it out for a trip I leave to on sunday he told me if I went to the local branch and spoke to the branch manager they would be able to reverse it. It was closed at the time of the incident so I went first thing opening on XX/XX/XXXX XXXX where the manager and teller told me there was nothing they can do but start a claim. No expedition, no immediate temporary or provisional credit. 10 days thats it. Its absolutely ridiculous that I am now out of {$700.00} for a trip I have in three days and theres literally no other option I am being offered except for a claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A