Date Received: 2021-02-09
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XX/XX/XXXX XXXX XXXX and XXXX starting call me and my relatives misrepresenting themselves as a law firm hired by US bank to collect on a d debt and that if i dnt pay the amount they would sue me in court and report my debt to all credit reporting agencies. This harassment was so unprofessional and needs to stop. The calls to me and my relatives needs to stop. The treats of ruining me needs to stop and this collection agency needs to stop representing themselves as a law firm working for US Bank. I have never been informed of this debt that supposedly took place in 2010 11 years prior. I have never had any correspondences in the past about this matter until this company XXXX XXXX and XXXX contacted me and my relatives and sent me a email. I tried to locate the company with the address they provided on the letter in the email and no company could be found a this address. the receptionist is states they are many law firms but wouldn't clearly identify themselves. I don't even believe this debt is mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2021 I learned that my property taxes were not paid. I called US Bank to see why it had not been paid they stated they received a bill for XXXX dollars. I informed them that it had to be a mistake and they should have contact the county. As of today US bank has not informed me that there was an issue with the taxes. Even after I spoken to numerous representatives from that company. I am highly disappointed with this company Im a service member just returning home from an XXXX XXXX and I come home to this mess.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Greetings, On XX/XX/2021 ... I applied for what was assumed to be a pre qualified business signature leverage card! It clearly stated that it was a soft pull to check for identification, terrorism funding, etc ... and then 1 day later, a hard pull from us Bancorp popped up on my personal credit report file? I called to try and resolve the issue and was on hold for 20-30 minutes at a time with 3 separate agent reps, so basically I was on hold for over an hour just to be told that I have to file a complaint with the office of president!!! Im so XXXX off about this ... you have no idea! This isnt fair at all ... I feel violated!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Bank has not extended options for help during pandemic. Covid-19 has affected my ability to pay debt on credit card. I have asked twice, and both times received a message of not being eligible, once in mid pandemic and again today. I believe my account is on a list, where no one can help, because usbank also chose to close my accounts for no good reason. I have made payments, but do know other cardmembers have been offered help during these times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I attempted to use my debit card to make a purchase at a fast food restaurant. The transaction was declined. Knowing that I had sufficient funds in the account I decided to go to a atm that was close by. Upon inserting my card I received a message saying " card restricted '' I immediately contacted the branch. This began a string of transfer calls to multiple departments. I was initially told by customer service that my account was frozen due to transactions and I was transfer to debit card fraud - that department asked me to verify a transaction which I had already verified a week ago through text. I was then placed on hold and when the representative came back they stated that there was a message that I needed to contact the branch to resolve. The very next morning, I logged into my online banking and noticed my husbands scheduled direct deposit was not showing in the account instead what I say was a debit in the amount of {$750.00} which was the balance in the account at the time. I again called and spoke with the fraud department who stated they could not assist however they did mention they didn't see any incoming deposits. When the bank opened I met with the branch manager who was confused at best. He had no information and showed me a screen with no notes or any indication of a closure or a freeze. The only notes were from when I opened the account months prior. He informed me that he would need to investigate and find out what is going on and it would take several hours and he would contact me. I finally spoke to him again at XXXX and his response was that the issue was not going to be resolved today ( XXXX ) I'd need to wait until Monday and that my husbands direct deposit was being returned to his company. I asked what was I supposed to do over the weekend or longer with absolutely no access to my funds, he said he had no answers. Not able to rest, I continued to call the bank over the weekend to be hit with the same roadblocks of " I don't know ''. Monday XXXX I began calling again I spoke with CAFE Deposits who said my account was being held by fraud, I spoke with Fraud who stated my account was being held by RISK, I spoke with RISK who said my account was being held by the local branch. I called the branch who said I needed to be patient and allow fraud to finish and that they have no other information. Not giving up I called back and spoke with Fraud Manager XXXX, she was a bit confused and noticed that my cards have been switched to different accounts but was hopeful that she could fix the issue. After placing me on hold to contact fraud liaison she also referred me to the branch. This is now 5 days without access to my funds and no answer as to why. XXXX I contacted the fraud liaison department and was finally told my account was being held with Internal Investigations and the local branch has the ability to call and find out more information. So on day 6 it has been revealed that the issue is seeming to be involving a bank employee yet I am being left to wait again with no access to my funds. I have requested to close my account and allow me to withdraw my money but have been told no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XX/XX/XXXX US Bank account had XXXX cents and no overdraft. US Bank paid a XXXX bill that was {$95.00} dollars reoccurring debt card payment hand't been cancelled. When I spoke to the bank sometime soon after they said " US Bank decided to pay the bill ''. A new account was opened. US Bank sent the overdrawn account to XXXX XXXX. Fast forward to XX/XX/XXXX, I decided to leave US Bank and tried to open an account with a credit union only to be told that I could not do so due to check systems. US Bank is still my bank and they seem to be clueless on rectifying the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In reference to new loan terms effective XX/XX/2020 for HELOC, US Bank has confirmed on XXXX, XXXX, 2020 due to their internal processing issue an escrow account was not established on this account until XX/XX/2020. Causing a larger payment due XX/XX/2020. This started the multiple errors, inconsistencies, and misinformation by US Bank. In a letter/response by US Bank dated XXXX XXXX XXXX, They claim a past due balance of {$720.00} occurred for principal and interest and additional late fee assessments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that US Bank advanced payment in this amount and waived all late fees. On XX/XX/2020, an 8-page billing statement reflected principal, interest, and escrow reallocations of all my payments. This information is inconsistent with the history statement provided by US Bank dated XX/XX/2020. The reallocations of all payments, clearly showing the inconsistencies with the principal balance as well as periodic daily interest charges. This affecting the periodic daily interest that is assessed based on the principal balance is on the day lived in the home. One example ; the periodic daily interest rate is .00956 % and on XX/XX/2020, with a principal balance of {$65000.00} for 30 days of interest ( for XXXX ) the amount charged was {$69.00} yet on XX/XX/2020, at a principal balance of {$65000.00} for 31 days of interest ( for XXXX ) the amount charged was {$310.00}. This is only one example of the multiple errors & inconsistencies made/reflected with the accounting, payment allocation, payment reallocations, and incorrect interest being assessed/charged to this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was forced into bankruptcy in 2017 due to my daughters serious medical condition. US bank refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted US Bank numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at US Bank will discuss or address my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received a credit card in my previous name which I haven't used for 25 years. I was concerned about my privacy and tried to call the company at XXXX but I was unable to get past the recordings to speak to a representative. It is a visa debit card through US Bank ReliaCard
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 814XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did not request these inquiries contact company and company did not see anything on file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28146
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A