Date Received: 2023-12-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2023 I purchased a Visa card from a local Kroger store. I loaded {$500.00} on the card and gave it to a homeless couple. The card will not work. The is issued by U S Bank National Association. I have called the phone number on the card four times. Three of the four times I was getting no assistance, was told the card was registered to someone else, ( I never registered the card at all ) and asked to speak to a supervisor. I was place on hole then cut off. The last time I called I was told submit a government issued ID, a copy of the front and back of the card, proof of ownership, and use the phrase " Please reissue a new card to my name and address. '' I was told to fax this information and that an email address was not available. I refused to send my picture ID and was told nothing can be done without that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30542
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/XXXX. I contacted US Bank regarding a forbearance for my mortgage. I was placed on forbearance for the month of XXXX. I was told that the payment would then be due in XXXX but if I needed further assistance to contact them XX/XX/XXXX to see what I can be approved for. I contacted them on XX/XX/XXXX just to be proactive to see if there were any other assistance options. I spoke with a representative and she told me that she would have to end my forbearance to see what I would be approved for. Before we continued the process I let her know that if this would negatively impact me that I did not need to continue with further assistance and that we would be able to make our mortgage payment by XX/XX/XXXX. The rep did not confirm nor deny that this would negatively impact even though I mentioned this twice during the call. She continued to see what I would be approved for and she offered me a payment deferral for XXXX and XXXX mortgage payments. During this process none of the disclosures mentioned how this could negatively impact my account or my credit report. I called back on XX/XX/XXXX to make sure everything was in place for the payment deferral and to make sure I was ok to not pay my mortgage that day. On XX/XX/XXXX I got a credit report update that my mortgage is 30 days late. I immediately contacted us bank and they me I could dispute it which I did but it was not changed. I worked with US bank for a month to try to get answers and to see why I was never told that if I did a payment deferral my credit would be negatively impacted. I had multiple phone calls and nobody was able to assist me. The phone call where I stated that if this would negatively impact me was listened to but US bank stated that they still would not change the reporting. I asked for further explanation on how this could happen and the last representative I spoke with on XX/XX/XXXX refused to further explain because she said they already did. I had multiple phone calls with this company and stated I could make my mortgage payment on the XX/XX/XXXX but I was never provided the information I needed to prevent this from occurring. I also stated I could make the mortgage payment and was never told to make it to prevent negative credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Per 15 USC 1681 the account information on both the XXXX and XXXX reports are seriously incorrect and should be removed from my report. The balances of the US Bank revolving account. A letter forwarded to US Bank on XXXX of my recension from providing non-public private information to any third party under 15 USC 6802 was sent. According to their customer agreement under section ( e ) I can and did withdraw this authorization in writing. The account should be removed from both reporting agencies reports. Disclosure of Information to Third Parties We may disclose information to third parties about your Card or the transactions you make : ( a ) where it is necessary for completing transactions ; ( b ) to verify the existence and condition of your Card to a third party ; ( c ) to utilize services of third parties and affiliate entities who assist us in providing the Card and related services ; ( d ) to comply with government agency rules or court orders ; ( e ) if you give us your permission ; ( f ) if you owe us money or there are legal proceedings in connection with your Card, in which case information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting ; ( g ) to protect against potential fraud and other crimes ; or ( h ) when otherwise permitted by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I continue to receive emails from U.S. Bank XXXX I am requested to make a payment to an account ending in XXXX. I contacted U.S. Bank at XXXX and they report I do not have an account however continue to send emails requesting payment. The account belongs to my deceased father XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: - XX/XX/XXXX : an unauthorized transaction of {$520.00} was sent from my XXXX account. - XX/XX/XXXX : an unauthorized transaction of {$1200.00} was sent from my XXXX account. - XX/XX/XXXX : I saw those unauthorized transactions when I checked my bank balance. I contacted U.S Bank immediately to stop that transactions. They said I will get the refund within 7-10 business days. XXXX : I contacted U.S Bank again , they said I should call back if I still haven't received the refund by Monday. - XX/XX/XXXX : I called again and they said my refund was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I lost my card and the operater told me the replacement card would be 5-7 business days and today the XXXX of XXXX is XXXX business days. Now this has lead up to having to borrow money from people and the shame that comes with not having access to money is unexplainable. If the card is coming in the mail do not say it's going to be 5-7 business days if it's going to take 10-14 days just let people know thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am the victim of Credit/ID theft for the better part of the last 3 years. There are security freezes and fraud alerts at all credit agencies for going on a year now. XXXX XXXX XXXX after opening the account sent letters in reference to an alias name and TIN identification combination not being correct and enclosed a substitute W-9 form to fill out for Check systems. The letter also included an ultimatum that if I did not supply the information within 30 days my accounts and all accounts using the alias would be assessed 24 % back up withholding taxes. I live on a survivor pension. It is my only source of income. Plus, XXXX XXXX. XXXX sent letters similar to US Bank about my name and number. The IRS and the SSD have had my legal valid name since XXXX. I could not understand where the alias came from. US Bank issued several products with the alias. The debit card was manipulated to deduct XXXX $ hidden fees causing an overdraft. Credit card payments being paid from the posting balance and not payment date into a hold causing overdrafts. Wrong name on checks costing XXXX $ no refund. Checks never used. Ordered new debit which arrived with the alias. I filed a complaint with the BBB asking them to advise this bank at XXXX XXXX XXXX to cease communications and close the account after I attempted several times to cure a XXXX negative balance caused by US Bank just to end the situation and move on. I sent a check on XX/XX/XXXX it remained uncashed and not credited to my account for XXXX weeks. A constant stream of bank negatives created by US Bank to severely abuse me as a direct deposit pension account. I continued to receive letters via USPS stating no communication is not going to stop the debt from being pursued and I will continue to receive statements with updated bad debt. information to be reported to prevent eligibility for banks products in the future at other banks. XXXX XXXX did the same thing. Created a fake debt. Refused to close the account which remained open and inactive for 2 years collecting fees and being reported constantly to credit bureaus with inaccurate information. XXXX created a duplicate account doubling all inaccurate fee charges and account transactions. Several attempts at phone interviews with bankers ' unsuccessful resolution or ignored completely. I have been battling banks with my sole source of income being used against me as a weapon and being domestically terrorized to the point of collapse. I want this US bank to leave me alone. I am ready with evidence to pursue in superior. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: My employer UPS states they sent the direct deposit to be paid XX/XX/XXXX. However, US Bank is stating they do not hold funds & they can't see pending direct deposits. On XX/XX/XXXX I called & was hung up on the XXXX time for being nice around XXXX. The XXXX time they ( XXXX XXXX stated they couldn't open a missing load ( missing deposit ) inquiry until XXXX XXXX. I called back at XXXX & someone else opened the inquiry. She ( XXXX ) said that it XXXX post by end of business XXXX CT. However, before human # XXXX hung up on me she said by close of business it XXXX post, but she couldn't tell me what time XXXX is for US Bank. As of right now, I have no direct deposit of {$770.00}. I regret trying out the US Bank payroll card. Also, it was states that US Bank will research my inquiry which takes one business day. I was advised to call back on Monday XX/XX/XXXX. I don't know why I'm shocked that the government allows US Bank to steal money as if it's not an issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I XXXX FAMILY OF XXXX, LIVING SOUL. THIS COMPLAINT IS AGAINST US BANK NATIONAL ASSOCIATION C/O XXXX XXXX XXXX XXXX XXXX , HAS BEEN OPERATING IN FRAUD, IDENTITY THEFT, STOLEN PROPERTY, HARASSMENT, UNAUTHORIZED CREDIT REPORTING. IVE SENT COMPLAINTS AGAINST SED PARTIES ABOVE FOR UNLAWFUL ACTIVITIES. IVE TRUED TO WORK THIS OUT ACCORDINGLY, YET NO PREVAIL. US BANK SENT A THIRD PARTY TOWING COMPANY WHICH IS AGAINST THE LAW ( SEE LAWS BELOW ). THE TOWER CAME ON PRIVATE PROPERTY TO RING MY FAMILY DOOR BELL, MY XXXX YEARS YOUNG GRANDMOTHER, MY XXXX YEARS YOUNG MOTHER, MY XXXX YEARS XXXX XXXX SISTER ALL IN ATTENDANCE WITNESSED MY PROPERTY BEING STOLEN. THEY WERE SCARED BECAUSE THEY DIDNT KNOW WHO THE MAN WAS WHO CAME TO THEIR DOOR RINGING THEIR BELL WHICH IS AGAIN AGAINST THE LAW.THIS HAS CAUSED INDEFINITE MENTAL ABUSE WHICH HAS CAUSE MY FAMILY TO ALL FILE A LAWSUIT AGAINST SED COMPANIES. YOU US BANK ARE NOT IN JURISDICTION TO COLLECT ANYTHING FROM ME. YOU ARE A FOREIGN ENTITY. A FICTION INSTITUTION, WHO VIOLATES THE LAWS OF THE CONSUMER DAILY FOR YEARS. NO MORE! 15 U.S. Code 1692f - Unfair practices ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. IDENTITY THEFT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. YOU US BANK C/O XXXX XXXX XXXX XXXX HAVE BEEN IN VIOLATION OF THE LAW AND ARE SUBJECT TO PAY FEES. IF MY VEHICLE ISNT RETURNED FROM WHERE YOU STOLE IT FROM YOU WILL BE CHARGE {$100000.00} A DAY/ I WILL ALSO CHARGE FOR EVERY VIOLATION COMMITTED. {$1000.00} PER VIOLATION/ SELLING OF INFORMATION {$50000.00} COURT APPEARANCE {$75000.00} XXXX TRIED TO WORK WITH YOU, YOU FAILED TO COMPLY. COURT FILINGS WILL BE PUSHED FORWARD., FEDERAL RESERVE COMPLAINT AS WELL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A