Date Received: 2021-03-13
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: On XX/XX/XXXX, we turned in the XXXX XXXX leased from XXXX dealership in XXXX. Lease # XXXX through US BANK.The dealership did not ground the car and we get a bill for in XXXX for {$72000.00}. We went back to the dealership and they cut us a check {$720.00} what was owed to us bank.than we get another bill for wear and tear and extra mileage and extra rent that was due.for {$360.00}. Total bill {$1900.00}. We paid the {$360.00} to end of lease payment. I wrote US Bank on XX/XX/XXXX asking for a breakdown of where this extra rent payment of {$36000.00} came from and a wear tear statement when turned the car in back in XXXX, We have not had this XXXX since XXXX and have since got another XXXX back in XXXX. Received no breakdown from us bank, just another demand notice aski g for now {$1500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: It is fraud. its a unemployment card that i did not apply for. Amount is unknown as i do not want to activate it.visa issued by USA bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: 1. I received a letter on XX/XX/XXXX from U.S.Bank dated XX/XX/XXXX, it said they will close my account on XX/XX/XXXX ( see attachment ). On the same day ( XXXX ), I received another letter from XXXX XXXX XXXX ( see attachment ). They said my check ( # XXXX, date XX/XX/XXXX ) was returned on XX/XX/XXXX, return reason is NO ACCOUNT. Court charged me {$35.00} extra for service. In order to prevent further penalty, I drove to court to pay by cash $ XXXX original {$85.00} + {$35.00} returned check service fee. I called U.S.Bank XXXX on XX/XX/XXXX, they said my account was closed on XX/XX/XXXX in their system and do not know why I received a letter stating that closing date XX/XX/XXXX. And they refused to pay the {$35.00}. I went to U.S.Bank branch ( XXXX XXXX XXXX XXXX, XXXX. OHXXXX ) in the afternoon of XX/XX/XXXX to show both letters to banker and manager. The manager said she does not know what happened and can not help. 2. I still have several thousand dollars in my personal account, but they deleted my checking and savings account information in the online banking ( see attachment ). So I can not use my money to pay my credit card. Is this legal to delete customer 's account information without notice? How am I to pay tax? 3. This is not the only incident and don't know if they are connected. several days prior we were denied a SECOND PPP loan on the grounds we have no history with this same institution ( first was through same bank ). We have business with this bank going back 10 years. The letter that informed us of this was not on blue and red US Bank letterhead, it was a copy ... very wrong. We would like to find out weather or not someone has done this as part of a " Cancel Culture discrimination against XXXX or XXXX XXXX XXXX or XXXX XXXX ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have three credit cards with U.S. Bank that were paid in full and closed in early 2018. I then submitted a letter that I have a copy of because when I called and they have a record of my phone calls they said I had to submit the letter in writing which I do. I did not close the account and a relative who is deceased use the card I moved and by time I found out about it they said it was too late to dispute. Us bank promise me that they would remove it from my three credit reporting agencies they have not done that they have said very rude and remarks that are discriminating against me, they have provided wrong information as well and refused to correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2020 I went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX XXXX, FL, for a COVID test. On that day, I provided my health insurance card because they were in Network and my copay should have been {$20.00}. They told me that I was out of Network and they charged me {$150.00} using my XXXX XXXX XXXX XXXX ( XXXX XXXX ). In XX/XX/2020, I contacted my Insurance Company ( XXXX XXXX XXXX ) to inquire about my coverage and was told that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) should have only charge me a {$20.00} copay. The insurance company paid XXXX XXXX XXXX {$110.00} in network provider fee. I contacted both the XXXX XXXX XXXX and XXXX XXXX to get reimbursement because my credit card was overcharged in the amount of XXXX. Please see all documentation showing that XXXX XXXX was paid {$100.00} on the " Explanation of Benefits Form '' on XX/XX/2020, and was paid Electronically. XXXX XXXX denied my claim to get my {$130.00} overcharge. XXXX XXXX claim that the case had no merit. See attached all correspondence regarding my complaint. Please reach me at XXXX if you need additional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XXXX of 2020, I purchased a XXXX AntiOxidizer ( Enagic XXXX THE MIGHTY XXXX ANTIOXIDIZER ) system from XXXX XXXX, paying a total of {$5400.00}. The machine was purchased due to XXXX XXXX representation that the product would produce Hydrogen-rich water. I was also interested in obtaining water that would be sufficiently alkaline to emulsify oils. I was told to give the machine a few months in order to see results ; however, when I was able to test it, I used the XXXX Hydrogen Test Reagent ( these are the industry standard drops for testing the levels of hydrogen in the water ) to test the hydrogen levels in the water. Although the XXXX XXXX XXXX states that XXXX PPM is essential for optimal hydrogen absorption, the test of water produced by the XXXX machine revealed a Hydrogen level of only XXXX PPM. I also performed an alkalinity test which revealed only a XXXX. On or about early XXXX late XXXX of 2020, I contacted Enagic via online chat in an effort to resolve the matter. The representative with whom I chatted did not deny that the product did not produce the highly alkaline, hydrogen-rich water promised but merely said that XXXX would not take back the machine because its use provides other health benefits, refusing to take back the machine and associated supplies. Afterward, I contacted the credit card company and filed a dispute because the product I received was not that which was promised and was unable to resolve the matter with the seller despite good faith efforts to do so. Even with the current state of the pandemic, I acted in a timely manner at every step : in testing the water, in contacting XXXX to resolve the matter, and finally in filing a dispute with the credit card company. The credit card company simply wrote me back and stated that I missed the timeline for a dispute. I explained to them that this was not a matter concerning time but not receiving the goods promised by XXXX. The credit card company is still taking money out of my account and has no plan to protect their consumers from merchants conduct that falls under a violation of the Texas Deceptive Trade Practices Consumer Protection Act ( XXXX et seq. of the Texas XXXX and XXXX XXXX XXXX because you exercised false, misleading, or deceptive acts or practices in the conduct of trade or commerce by : XXXX. Representing those goods that have characteristics, uses, benefits, or quantities which they do not have ; XXXX. XXXX. Advertising goods with intent not to sell them as advertised ; and/or XXXX. XXXX. Failing to disclose information concerning goods that were known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a debit card in the postal mail yesterday ( XX/XX/2021 ). This was a USBank Debit card but I had closed my XXXX account over a year ago ( probably 2 years ago or more ) When I called XXXX ( usbankreliacard ) at XXXX they were not able to access my information based on the card number but instead wanted me to provide them with my full legal name, my address, my birthday and my full social security number at which point I told them I would not provide that. They then said that there was nothing that they could do for me. This is either a scam or USBank trying to get me to be their customer again by sending me a card for an account that I had closed long ago ( for reasons very similar to this ... USBank sending me credit cards that I did not request ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I've tried reporting this issue to US Bank 's Fraud Liaison Department but no one would forward my call to a higher authority - I've even reported this to the CFPB & have had e-mails bounce back from the US Banks 's support e-mail address. I need a supervisor to contact me regarding reporting fraudulent activity internally at US Bank ( recipient bank, XXXX XXXX XXXX account holder ) as soon as possible. I am a customer of XXXX XXXX with fraudulent activity to report to US Bank which is shown below yet US Bank is not taking this information seriously to report to their executives. I've reported this money wiring/job scam to the local authorities ( XXXX Police Department ), FTC, FBI ( IC3 ), XXXX Police, XXXX XXXX XXXX Police, XXXX XXXX, XXXX, as well as attempting to contact US Bank to have this issue reported internally but no one would take down my information or have my calls transferred to speak to higher personnel at US Bank at all ; I've also tried contacting the Fraud Liaison Department as well at XXXX. Below is a fraudulent account holder at US Bank that has scammed me out of {$2600.00} in which my bank has tried to issue a SWIFT recall to US Bank - no refund has been issued. Fraudulent US Bank account holder, XXXX XXXX XXXX, is posing to work for XXXX XXXX to issue out a Traveler 's Insurance Policy to the XXXX under XXXX XXXX XXXX XXXX XXXX, along with a MrXXXX XXXX XXXX at XXXX. Please see below. XXXX Attachments Wed, XX/XX/2020, XXXX XXXX to me Attention, Based on the urgency of your Application and to serve our customers betters and avoid delays in providing fast track services to our customers, we have mandated you to make Payment via our Agents in region USA so Certificate can be issued on confirmation of payment within 24hrs from Date of payment Premium for Plan B is XXXX XXXX pounds sterling equivalent exchange rate of {$2600.00} USA Dollars. Kindly note Payment for any Premium Plan must be paid in full to enable swift issuance of Certificate Contact your Financial Banking Institution in your region USA and notify your Bank to make Bank Transfer Payment payable to our Agent in region USA via Account Details Below : Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Bank Name : US BANK Bank Address : XXXX XXXX XXXX XXXX OREGON XXXX USA Beneficiary Address : XXXX XXXX XXXX XXXX XXXX OREGON XXXX USA Kindly send us the transfer payment receipt once funds have been deposited to enable us issue your certificate swiftly Yours truly, Mrs XXXX XXXX, Account Manager XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ELAN FINANCIAL SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A