Date Received: 2021-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ently I reviewed my credit report, and I discovered several inaccurate of my personal information such as my address, misspelling of my name, phone numbers, and erroneous accounts that must be immediately investigated. My credit report does not show my true credit history and these items should not be on my report. Pursuant to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be verified and removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. I am requesting that they be updated and remove that does not belong to me. The following accounts in dispute are listed below : Accounts : US BANK ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX ( # XXXX, # XXXX ), XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX Delete Address that does not belong to me : XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX , OHIO XXXX XXXX XXXX XXXX # XXXX XXXX, OHIO XXXX Please Delete Telephone numbers that does not belong to me : ( 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: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a bill in the amount of {$1400.00} from US Bank. I left US bank and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with US bank since then which is in collections. I do not recall or understand why Im receiving this. I already owe US bank over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
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: Late payments in XXXX and XX/XX/2020 contacted the three bureaus to remove payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a MINIMUM INTEREST CHARGE FEE of {$2.00} on XXXX/XXXX/21. Upon talking with customer service, it appears my auto-pay did not take out sufficient funds to cover my statement balance and the associated charge was applied. I communicated that I've had autopay set up to pay my monthly statement balance for years. They did not disagree but said they were not able to remove the charge in the system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Approximately a year ago I returned my lease and payed my additional prescribed settlement fees that wee imposed by the dealer. Received my settlement paperwork and a few months went by I started to receive paperwork from us bank that I owed more money. I called the car dealer and my salesman informed me that a mistake was made on there end. I called us bank and a representative informed me that these accounting eras happen often now I requested a breakdown of the fee to pay and us bank will only send me my original contract with no identifying cover letter. No transparency has been offered from XXXX XXXX in XXXX Nj or US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021, at around XXXX I made an in-person, over-the-counter cash deposit of {$3800.00} at the US Bank XXXX XXXX Branch Office XXXX I was given the receipt for the transaction and everything seemed fine until three and half hours later. At around XXXX on that day, a teller at the brand ( the name sounded like " XXXX '' but was not spelled out clearly in the voicemail message ) left me a message saying that her door " was short of {$800.00} '' and that she " believes she entered an incorrect amount ... should be {$3000.00} instead of {$3800.00} ''. I tried to call the number XXXX back a few minutes after the message was received, but the branch was closed ( they close at XXXX on Saturdays ) and no one answered the calls. I made numerous attempts between XXXX and XXXX but could not reach anyone there. At XXXX on that day, the teller ( # XXXX ) at the branch withdrew {$800.00}, without my consent or knowledge whatsoever, from my checking account. No reason was given. I called the US Bank 's XXXX number and spoke to their staff at the call center, since I was not able to reach anyone at the branch. The staff at the call center took notes about what happened but told me that this would have to be resolved at the branch. I confirm and am 100 % sure that I deposited {$3800.00} in-person when I visited the branch on that morning. But the fact that the tell, for whatever reason, was short of {$800.00} and thus deducted {$800.00} from my account with no consent whatsoever is ridiculous and totally unacceptable. Isn't my money in a bank account supposed to be safe and where is that assurance? A teller can withdraw my fund in my banking account without my consent or even knowledge about that, simply because he or she is short of some amount for the day? I encourage US Bank to start a thorough investigation, including surveillance videos and/or other means as appropriate, to find out what happened about at the branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
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 received without requesting it or participating to any Government program a US-Bank Relia Card. Despite many tentative to contact the Service at the indicated phone number, none ever answer the phone, but the computerized voice message lead to a never ending hold. I did not apply for this and want my record deleted from the system as this is a fraudulent use of my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was supposed to get rewards of XXXX under a special offer for XXXX XXXX XXXX. But I received only XXXX points upon fulfillment of offer conditions. Spoke to a rep a week ago, was told it would be fixed, but nothing happened. The bank rep told others were affected with the same issue. They asked me to mail the offer rather than searching what was presented to me on XXXX.2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 my wife and I decided to buy a puppy, we paid {$700.00} US for it and gave them the info to where we would meet them and never received any follow up phone calls or messages or emails, we never received the pet we paid for and followed up with US Bank who proceeded to tell us they wouldnt pursue it or help us at all and denied the claim we made with them and to file a police report with Local Authorities. We sent the money from our US Bank Account through the App they have that supports XXXX and after that we never seen anything from the seller. The names we were given from the seller was XXXX but the XXXX name was XXXX XXXX and XXXX XXXX, the email they used was XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There were unauthorized debits from my account, that were someone else 's account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A