Date Received: 2023-12-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I pay {$95.00} annual fee on the Visa XXXX XXXX credit card. But, when I try to use the card for booking travel on an airline website ( XXXX ) the transaction gets declined. If I use Visa card from another institution the purchase goes thru fine. When I called the US bank, I was told they don't have a record of the transaction so they can't help me. After I told them the transaction is getting declined in the Verification by Visa service, they offered to connect me to Visa, instead of solving the issue as I am their customer ( not Visa 's ). I was supposed to earn 4 % cashback on {$5000.00} international airline tickets and I did not because US bank set-up declined the transaction. Charging customers a high annual fee and then not ensuring the transaction is processed when it should, is NOT fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX, I filed a dispute on my checking account with my bank for a transaction in the amount of {$450.00}, which was related to the Nevada XXXX. On XXXX, I was provided with provisional credit by my bank in the amount of {$250.00}, and on XXXX, an additional provisional credit of {$190.00} was applied to my account. However, On XXXX, the {$190.00} provisional credit was reversed. It is crucial to note that I proactively communicated with my bank on multiple occasions, clearly expressing my request for a full refund. The bank assured me that they would address this concern and advised me to contact the merchant ( Nevada XXXX ). I documented each conversation I've had with my bank concerning this dispute, ensuring the accuracy of the information shared. As part of my efforts to resolve this matter, I diligently worked with the Nevada XXXX, and we successfully resolved the payment issue. The initially disputed debt of {$450.00} was later adjusted to {$200.00} by the Nevada XXXX, and this corrected amount was promptly paid in full on XXXX. As a result, there is no remaining outstanding debt with the Nevada XXXX. It's essential to note that the reason for the XXXX lowering the amount was due to an incorrect charge caused by a malfunction on their part. Despite my repeated attempts to inform the bank of my successful resolution with the merchant, I was later informed that, due to the 120-day timeframe since the case was opened, they are unable to reconsider my case. This limitation imposed by the bank 's policy has hindered a fair review of my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank still over XXXXXXXX XXXX for my savings account from XX/XX/2021 to join XXXX from XXXX and some grand to XXXX in my savings within one month they claimed to not know whats going on that I didnt have a bank account with them that they sent me letters out and never received them but they wouldnt give them to me. Theyve been giving me the runaround forever. I dont know what else to do. Ive already checked my check change my checking account number twice before that Because I had issues and I am pretty sure I know that it was a inside job from a employee who worked at the bank where I banked with inside of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85629
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I requested that the company provide me with the original contract with my signature on it and I did not receive anything from the company, and I am a victim of identity theft. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, the consumer identifies as information that resulted from an alleged identity thief, not later than 4 business days after the date of receipt, It has been 30 days and you are in violation of the law because I am a victim of an identity thief, please delete item immediately. These account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2i Following the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. Elan Financial Services ONLY sent me a copy of the credit card agreement but I have NOT received contract with my SIGNATURE NAME ON IT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing on XX/XX/2023 with a response to recent correspondence regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. I dispute the validity of the debt mentioned in your correspondence and request that you provide validation by providing the following information : 1. Verification of the original creditor 's name and address. 2. Documentation confirming the existence and validity of the debt, including the amount owed. 3. Copies of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt. 4. Verification of the license to collect debt in my state. Please note that I am requesting the validation of this debt and not merely verification that you have my contact information, or a basic statement of the amount owed. Until such time as you are able to provide validation of this debt, I request that all collection activities, including communication by phone or mail, cease. Please communicate regarding this matter in writing only. I also request that any negative reporting to credit reporting agencies be suspended until this matter is resolved. Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/10 a deposit was attempted into one of our checking accounts in the amount of {$4900.00}. The atm machine errored and told us to contact our financial institution. We did that and also contacted the bank where the atm is, files the required complaints and neither financial institution will give us our money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63501
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I gave US Bank a deposit of {$300.00} to fund a XXXX XXXX secured credit card that they offer for those trying to build credit. I currently have alleged child support debt in which I'm in the process of getting adjudicated and terminated. A notice was sent to US Bank from child support to seize any money that I may or may not have in a savings or checking account or any type of cash assets. The {$300.00} provided to US Bank was US Bank 's money upon receiving it under United States law and given for a specific use of a revolving credit account to help build my credit. They went out of their way after receiving this notice to close the account and send this {$300.00} that was given to them to the child support. It doesn't feel right to me so that's why I'm filing a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I reached out to the servicer in XX/XX/2023 about the payment being sent from the Maryland HAF program that would have brought me current up until XX/XX/2023. The Loan officer told me that it would take 3 weeks for the payment to be applied to my loan. They would send me something in the mail with the update about everything applied which should have been for {$13000.00}. I told her that I was worried about the foreclosure and she assured me that no further action would be taken because they had the money to resolve my back missed payments. Fast forward to XX/XX/2023, I received a call from a bill collector from US Bank stating that my account was still delinquent. I explained to them that I was confused because I was told that the funds from MD HAF program would be applied to my account and I would be caught up. The representative apologized and stated they were noting the account that the payment needs to be applied to my mortgage. The same thing happened for XX/XX/2023. Here I am in XX/XX/2023, and the payment still hasn't been applied to my account. I have inquired several times and been given the runarounds about the payment but constantly harassed by phone at home and at work. My online account doesn't show an updated amount and doesn't give allow for a payment to be made at all. I am afraid that the servicer is trying to make me go into default again by making my payment double so I will be behind all over again. I firmly believe they are trying to make my interest rates go up and foreclose on my home purposely. I am trying to keep my home but this servicer has been very difficult to contact and resolve the issue that I clearly got resolved by getting help from MD HAF program. This servicer is trying to make me lose my home by delaying applying the payment on their end for the past 3 and a half months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: XXXX XXXX. I have tried to contact them on numerous occasions no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53218
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: 2023-12-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Money taken by US bank without my knowledge or fair debt or any valid judgement US bank ignore disputed bank statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52405
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A