Date Received: 2021-02-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This started on XX/XX/2021. I had {$600.00} in my bank account from Friday after receiving my paycheck to Monday, did not make any other transactions. I had the day off and took my kids to XXXX XXXX XXXX 's and out to lunch, totally out to be {$140.00}. Waking up on Tuesday, all of a sudden my account was negative. Not only negative but already 2 overdraft fees attached to it. There were some preauthorized bills that were supposed to come out of my account, but the XXXX, I still had plenty. However, since that day I have received 17 overdraft fees of XXXX dollars each. I have made the account positive, and then another charge of XXXX. {$610.00} in overdraft fees in a matter of 2 and a half weeks. They waived 3 of those charges equaling to XXXX, but has not stopped continuing to charge my account. I am a single mom of XXXX kids, I pay attention to my money and have had this account for 11 years and have NEVER had fees like this. US Bank has not done much to help with this situation, and have just been taking my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68144
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2021 -- Made mortgage payment to US Bank via US Bank portal ( Bill Payments -- > Pay US Bank Account ) Payment was applied as a principal-only payment rather than as a monthly payment ; due date for monthly mortgage payment did not change. ( This event followed a number of administrative errors made by US Bank Home Mortgage following a mortgage refinance. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an unauthorized inquire reporting to my XXXX report. This is a lender that I did NOT submit a request for any lines of credit. The lender is US Bank dated XX/XX/XXXX for a bank or credit card. I contacted XXXX on XX/XX/XXXX in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. Today I pulled my report and now the amounts are all different. The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}. Also shows status last updated on XX/XX/XXXX and balance updated XXXX. Clearly there is an error I asked you to close this account in XXXX because it was not mine and I had no idea who this account belonged to. The credit card company continued to keep this file open because i did not have the password.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a US Bank Relia Visa card that I never applied for in the mail. I called them and they said it appears a card was opened under my name through the Unemployment office int the state of Ohio. They also stated that the SS # they had on file did not match mine so I assume someone opened a card under may name and address with a made up SS #. I have spoken with XXXX XXXX and they have this noted and have called the credit bureau. I will also be calling the state of Ohio tomorrow to let them know about this situation. Thank you! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
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: Received phone call from XXXX at Elan Financial Services ( XXXX ) on XX/XX/2021 at XXXX XXXX XXXX. She left a message that was unclear but provided a phone number and that she represented XXXX. She was called at XXXX : XXXX XXXX XXXX on XX/XX/2021 to understand what was required, Her response was that in order to complete the chargeback claim, XXXX XXXX XXXX would require a third party independent verification letter on my expense about the condition of the vehicle despite the open XXXX XXXX XXXX XXXX XXXX # XXXX and report to the federal auto division provided in prior CFPB complaint XXXX. The vehicle has been repaired and there is no party who can review it now in favor of what XXXX is requesting. XXXX was sent paper copy of all bills with all notes and receipts regarding this transaction item as proof and defense. All they have to do is execute a charge back like all other credit card companies. XXXX was sincerely not interested in her duties in seemed on the phone and did not view any documents supporting the claim prior to the conversation. I will not tolerate XXXX more disgruntled bank worker at XXXX XXXX XXXX who is unwilling to do their job and represent their client card holder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: there are several charges on account that came out of XXXX after I already moved to XXXX XXXX I contacted you this morning and wait until everything is settled but they do not want to take responsibility for the issue. I'm already experiencing homelessness because of this. they pretty big card is US Bank ReliaCard which was an option to receive my taxes unemployment benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
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/XXXX I tried to register for a free trial course with XXXX To register, XXXX requires a credit card. XXXX DOES NOT SEND A CONFIRMATION EMAIL TO CONFIRM THE ACCOUNT. When I tried to register for the course moments later, I could not log in. When I contacted XXXX, they said I did not have an account. I could not take the course. I could not cancel the trial with in the 30 days. In order to reverse charges, they said I would have to EMAIL ALL OF MY INFORMATION. EMAIL IS NOT A SECURE FORMAT. THEY KNOW THAT. For 5 months XXXX charged me a fee for an account they said I did not have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX i received a XXXX letter stating a cancellation of debt for a US Bank Credit Card. While i did have a credit card with US bank it was over 11 years ago. To my knowledge i paid off the debt and closed the card in XXXX. Receiving the XXXX and calling US Bank cardmember services the only information they could tell me is that it was " written off '' in XXXX and closed in XXXX. Which doesn't match my dates on when i had the card. I asked if i owed debt why this never appeared on my credit report or had any collections calling me, in which they could not answer. I also then asked for the card number which they gave me but said they had no statements that they could send me or information on the card or transactions as it was closed. I asked to show proof of this if i have to report it as income on my taxes in which they told me to hopefully i had some old statements. I feel this may go against the fair debt collections act and looking somewhere to get advice. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ( XXXX ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92868
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A