Date Received: 2021-03-05
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2021 I received a CC in my former name but current address, that I did not apply for. On XX/XX/XXXX, I called to speak with a representative to inform them, it automatically activated the account due to me verifying all the information. I have been unable to get a live representative on the phone to close or dispute this account. I checked my credit history and there was no suspicious activity reflected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On or about XX/XX/2021 I received a billing statement from US BANK alleging I owe a debt in the amount of {$63000.00}. On or about XXXX XXXX I responded to US BANKs billing statement by sending out 5 items. 1. A formal letter requesting recession pursuant to TILA 15 USC XXXX and requesting my privacy be respected by removing my personal information from their company and all affiliates pursuant to FDCPA 15 USC XXXX 2. A NOTICE DEMAND TO RESCIND AND CANCEL AUTO LOAN pursuant to TILA 15 USC XXXX. 3. An AFFIDAVIT OF TRUTH asserting certain factual allegations. 4. A DEBT VALIDATION LETTER with an attached CEASE AND DESIST LETTER asking US BANK to cease and desist all communications with me until the debt was validated pursuant to all information requested and outlined in the letters. 5. A carbon copy of what I sent to XXXX XXXX as a notice to them of the status of this alleged loan. On or about XX/XX/2021. I received a response letter dated XX/XX/2021. The letter addressed the cease and desist issue but however failed to : 1. rescind the auto loan pursuant to the procedure outlined in the TILA 15 USC XXXX. 2. Validate the debt pursuant to my request in the debt validation letter and the FDCPA 15 USC XXXX. 3. Rebut any factual allegations alleged in my affidavit of truth. On or about XX/XX/XXXX I received a loan statement dated XX/XX/XXXX in violation of the cease and desist. On or aboutXX/XX/XXXX I sent out 3 items to US BANK 1. A NOTICE OF DEFAULT OPPORTUNITY TO CURE giving US BANK one more opportunity to respond accordingly to all previous sent requests and affidavit of truth. 2. A new AFFIDAVIT OF TRUTH listing all TILA and FDCPA violations that US BANK are liable for. 3. A invoice requesting payment for all violations listed in the affidavit of truth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Contacted USbank on XX/XX/XXXX at appx. XXXX was told to contact XXXX at XXXX. After entering the requested information the automated service stated it was not the correct information. I did NOT request any type of credit card and I do not want another card and I want to know how or where they obtained my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my home last year, utilizing the same company XXXX US Bank XXXX that originally held my mortgage. It came to my attention on XX/XX/XXXX that they did not pay my property taxes for the XXXX half of XXXX. I called US Bank immediately to inquire about this. I was told that it was their fault & that they would promptly pay my taxes. I was assured that they had my money in escrow & that there was nothing else that I needed to do & that the taxes would be paid by XX/XX/XXXX. I called on XX/XX/XXXX to be sure my taxes were paid & was told that an investigation had to be done & that they would not be paid for several more weeks, but that US Bank was still planning on paying & they would pay the penalties that had been acquired. As of XX/XX/XXXX, my taxes are still not paid. I am furious! I have ALWAYS payed all of my bills & taxes on time & work hard to keep my credit score in excellent standing. I am afraid of being sent to collections now & ruining my credit score. Not to mention, I feel ashamed that I look like a delinquent who doesn't pay taxes. I have made countless calls to US Bank to inquire about the status & seem to get nowhere! I'm told a check was mailed out via USPS in mid XXXX, but so far, it does not appear to have made it to the City of XXXX Tax Department. This is unacceptable!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have been using the US Bank credit card for >10 years and earned rewards. Most of the time, I redeem my rewards for airline travel and never experienced any issues. Due to COVID-19 outbreak, I began to redeem my points for 3 pieces of merchandise in which 2 of them arrived within 1 week. The last piece of merchandise ( XXXX XXXX knife set ) was on promotion for XXXX points when I redeemed it. This merchandise never arrived and I began to call and follow-up on it about 2 weeks after XXXX XXXX which was XXXX. XXXXspeaking to XXXX and he said it would be shipped out on XXXX XXXX. By XXXX. XXXX, I still didn't receive it so I call again that day and was told that I should receive it within 30 days because the website listing 30 days. I checked the website and this product was still listed as available but the points went up to XXXX points. On XXXX XXXX, I called again and spoke to XXXX and was told to wait for 6 weeks so I called the next day and spoke to XXXX who placed an order to track it. I called again on XX/XX/XXXX and spoke to XXXX and she said the tracking took 7-10 business days. Finally, I call again today and ask to speak to 2 supervisors, XXXX and XXXX. I finally am told that the product was out of stock so I question XXXX that if this product is out of stock, why does the website still lists it as available? She could not answer. All they will do is to credit my rewards points back and I have to wait the end of next week to get all the points back.After all 6 weeks, I finally am told the truth which should have been communicated to me sooner. What I learn from this experience is that US Bank reward department has no accountability to track the merchandise at all. It should not take them 6 weeks to finally tell me what I had expected. Now that it will take more points to redeem this merchandise and they just do not honor what they had promised to the customer, the easy way out is to lie that the product is out of stock. If this product is actually out of stock, then it should not be listed on the website in the past 6 weeks that I have been waiting. What they did is contradict to what the reality is and I consider this a a fraudulent activity to the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Someone opened my card fraudulent and accessed the atm For Withdrawal fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I and my wife opened a U.S. bank joint checking account on XX/XX/2020. We opened it on the U.S. bank branch located at XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. When we opened this account, we printed out a summer promotional advertisement with us. The promotion offered a {$200.00} dollar opening bonus for the new customer. At the branch, we double-checked with the staff who helped us open the account, as my wife previously opened a U.S. bank account then closed it. The staff assured us that we were still qualified to get the bonus, since I was a new customer and never did business with U.S. bank ( she said as long as one of us was a new customer, we can get the bonus ). She also showed us the monitor screen when she typed in the promotional code during the application process. This was a smooth process. After that, we immediately set up direct deposit with three payments ( ~ {$4000.00} ) monthly to this account, we also used it to pay our mortgage and other credit card expense. So I'm 100 % confident that I met all the requirements to receive the bonus. Earlier this year, I realized we still haven't received the bonus, so I tried to contact U.S. bank to figure out what happened. First I tried to contact the local branch where we opened this account. First time, no one answered my call. Then I tried to make a phone call appointment ( at Janurary XXXX ). Although the appointment got confirmed, I never received a call from them. Third time, I contacted the customer service ( on Janurary XXXX ) and waited 20 mintues, the customer service looked into my account and told me our account did not have the promotional information. This directly contradicted both me and my wife 's memory, as we both visually observed the staff typed in the promotional code when she opened the account for us. The customer service told us she will ask a specialist to look into our case, and we will be contacted within a week. Now more than a month passed, no one actually contacted us, kind of as I expected. We are very disappointed about U.S. bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX I received a call and he asked if I would be home or some one over the age of XXXX would be. I asked why and he said some one over the age of XXXX need to sign for a delivery i asked what type of package is it he said a document and he said I cant say any more that he also said to call this phone number XXXX and they can schedule a time for me to come back out. @ XXXXXXXX XXXX I called XXXX and the lady asked for my name I gave it to her and she gave me my last four of my SS # and then looked up my account and said that if I don't pay this bill of {$930.00} buy Thursday it will go to court and then i would have to pay {$2200.00} in court fees and lawyer fees i said ok ill see what I can do. @ XXXX i called us bank which is the bank the I so-called owe money to i spoke to a very nice lady and she said that this doesn't sound right and she looked up my account and said i don't have one there and then transferred me to a norther person and they called me back @ XXXX he said the same thing that I don't have a account with them so 2 people said the same thing. @ XXXX i called my wife and she said the same thing no i dont have a account there. @ XXXX i called them back and said if you can show me the proof i would gladly pay it. I told them my dad and I share the same name and he knows my SSN and I dont know if this was something he did in my name. I have found other things he had done in my name. I had asked where the account was opened, what was the address on the account or phone number and no one will give me that information. If they say this is an account I opened then why wont they give me any info on it? Why when I ask these questions am I shut down? I want some sort of visible proof that this was me, that this was a legit account and they wont give that to me. All I want is proof and then I will gladly take care of this but I do not want to be scammed. I have searched all day online for this business and there is nothing to be found. I have used all the information in the email they sent me and I cant find anything online. this is the only information I have on the company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97355
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
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: I see multiple 301500 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My complaint is about closure of my account without sufficient notice and forfeiture of my cash rewards balance without any notice, even though my statement says rewards are available. I have been quarantined alone in the snowbelt of upstate XXXX since XX/XX/XXXX and in XX/XX/XXXX decided to move temporarily to quarantine alone in XXXX for the remainder of the winter. I have a XXXX XXXX and am very careful about exposure. I forwarded my USPS mail to the temporary address. On XX/XX/XXXX, I used my USBank card for the first time in a long time for two charges totaling {$88.00}. There was no problem with the charges going through. Then in mid-XXXX I received 2 pieces of mail from USBank, both forwarded from my home address. The first was my statement ( picture attached ) which accurately shows a balance of {$88.00} and cash rewards of {$350.00}. The payment due date is 3/10/21 and the statement says cash rewards can be used for statement credit or can be transferred to a bank account in the US. The second piece of mail was a notice from USBank saying my account was going to be closed because I wasn't using it. This was the first and only notice I received about inactivity. On XX/XX/XXXX, less than 2 weeks after I receive both the pieces of mail and 10 days before my payment due date, I tried to pay my bill using the rewards listed on the statement. I could not access my account online, so called XXXX. I waited a very long time for a representative who said my rewards couldn't be used because the account was " in the process of being closed. '' I explained that the statement said the rewards were available. She put me on hold to check what to do and came back to say that she would transfer me to someone who would reopen the account and then I could use the rewards. I waiting for another very long time - now well over an hour on the phone with USBank before reaching the next agent. At first he didn't understand why I had been transferred and said he was in underwriting. Then he said that because it was more than 30 days since the notice, he could request reopening ( no guarantee that it would be approved ) and that in order to do that, he would have to do a hard-pull on my credit report and it would be opened as a new account. I am not concerned about whether it would be approved - per XXXX, my current credit score is XXXX - but the inquiry and opening of a " new account '' would damage my credit score ( and the cancelled card may also slightly lower the score since it will reduce the average length of credit, even thought nothing about my creditworthiness has changed. ) Apparently if I had called within 30 days, this wouldn't have happened, but I didn't get the notice within 30 days of when they say they mailed it. So he said he couldn't help me and transferred me to a supervisor in customer care. She was actually very knowledgeable but did not have the authority to solve the problem either. She credited {$50.00} to my account for the bad service. I authorized payment of my outstanding balance to the bank account already on file because I do not want interest charges or other fees while this is being resolved. So they still were able to access my bank account, but not honor their rewards program. I want the {$350.00} shown on my current statement to be applied to the account and to have adequate time to use the credit. I think it is totally misleading not to honor what is on my current statement. It would never occur to me that I don't have to pay the amount on the bill, so why do they think they don't have to apply the reward balance on the bill? I also think it is unfair that they would not allow the account to remain open when I responded within 2 weeks of receiving their notice. It is not my fault that the mail wasn't delivered within 30 days of the date printed on the notice.. Of course mail delivery delay isn't their fault either but they should be aware of delays during the pandemic. There was no prior communication about cancelling my account for inactivity and if I had received notice I would have made decisions to use my accrued awards and to keep the account open. Finally, the customer service representative, who again I want to praise for trying to help, gave me the address to send a complaint directly to USBank, but it would require me to go into the post office or somewhere else to mail the letter - and I am doing everything possible to minimize the risk of COVID. Besides, given the waste of time when I called them, I don't trust that it would be resolved with a letter anyway. I appreciate that the CFPB portal is online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A