Date Received: 2021-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2020 US BANK WAS NOTIFIED BY CERTIFIED MAIL FOR A DEBT VALIDATION AND CEASE AND DESIST ALL COMMUNICATION. US BANK CONTINUED WITH HARASSMENT PHONE CALLS ON XX/XX/2020 AND XX/XX/2020. AS WELL AS A THREATENING LETTER USING OBSCENE AND PROFANE LANGUAGE DATED XXXX XXXX. IN ADDITION TO EXHIBITS ATTACHED EXHIBITS WILL SHOW A TOTAL NUMBER OF 14 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS BY US BANK UNDER 15 USC 1692. THE FACTS SUPPORTED BY NOTARIZED AFFIDAVIT OF TRUTH. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A US BANK is in violation of 15 USC 1692f. ( 8 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D that US BANK is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Exhibit C, Exhibit D, Exhibit E that US BANK is in violation of 15 USC 1692e ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that US BANK is in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit F and Exhibit G that US BANK is in violation of 15 USC 1692d ( 5 ) and has proof that US BANK was made aware to cease and desist communication by certified mail on XX/XX/2020 Exhibit I. Fact, affiant is aware and has proof in the attachment Exhibit H that US BANK is in violation of 15 USC 1605 ( 5 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I called US Bank around the XXXX of XX/XX/2020 because credit reporting agencies showed that my mortgage account had been close due to a chapter XXXX bankruptcy. The represented said he would notify the bankruptcy department and my account would be corrected in XXXX. I called the bank today to see if the problem had been resolved. I spoke to 2 reps and didn't get anywhere. They then put me through to a supervisor who would not provide the bankruptcy departments phone number. Instead he insisted that he could only relay the message and that they only speak to bankruptcy lawyers. This is unacceptable, I would like to speak directly to the department who made this error on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX a XXXX web transfer of {$70000.00} from USbank checking account xxx # XXXX to a XXXX savings account XXXX was initiated. On the same day, I received a XXXX email indicating that XXXX received the transfer request and I should expect to see funds in destination account within 3 business days. Also on the XXXX, I received another XXXX email confirming the transfer-with a delivery date of XX/XX/XXXX. On XX/XX/XXXX I checked my USbank checking account and {$70000.00} was debited from my account. On XX/XX/XXXX I received a XXXX email indicating that the funds could not be deposited into XXXX XXXX account XXXX. They also indicated that If the funds were held by another financial institution to contact them to have the funds deposited back into my account. Now the fun part. Between XX/XX/XXXX and XX/XX/XXXX I have contacted USbank 5 times and XXXX 6 times trying to get the funds either deposited into my XXXX savings account or returned to my USbank checking account. In each case I talked to many different departments and management but always end up with the same result each institution stating it is the other banks responsibility to retrieve these funds. XXXX could not provide me with an answer on why the transfer was not completed and because they use XXXX, a third party financial institution, for the transaction they cant request the funds to be returned. Usbank on XX/XX/XXXX opened a dispute claim to investigate the issue. On XX/XX/XXXX I received indicating they could not find an error in the processing of the originator instructions and considered the investigation closed. In summary on XX/XX/XXXX a XXXX web inter-financial transfer was initiated which resulted in a deduction of {$70000.00} from my USbank account but funds were never deposited in my XXXX account. Numerous attempts of contacting both instructions over a 5 week span resulted in each bank indicating that the other institution was responsible. If needed I can provide copies of all bank emails, account numbers and specific dates with details of my attempts of contacting both banks to resolve this issue. Thanks in advance for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I tried working with someone from US Bank to locate statement and account activity for a Checking Account. I had a total of two Checking Accounts with US Bank ; one that is closed and one presently opened. The challenge I am facing, is that when I was trying to get information on the closed account I am told it was purged and that there is no document retention available because it's been over 7 years from when it was opened. The closed account was opened in XXXX but sometime around or after XX/XX/XXXX. My SSN is XXXX. I am requesting assistance because I need to locate check activity that potentially occurred between all of XXXX and all of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2020 I reported a dispute. Dispute claim # : XXXX XXXX : XXXX I got XXXX on XX/XX/2020 from XXXX. On XXXX XXXX I got a letter saying they concluded there was an error and they have issued a credit to my card on XXXX XXXX in the amount t of XXXX. Credits are considered permanent and any applicable fees reversed. That deposit was never deposited. I called in they tell me call back in 3 days. Nothing. I do so every 3 days. Finally XX/XX/2020 they escalate it to find out why the money was not deposited but was reported deposited. Still nothing. I call in noone will help me they say there is no dispute department and no update. I can not get any help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are 3 unauthorized inquires reporting to my XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and US Bank. I contacted XXXX on XX/XX/2021 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: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We have had a Fidelity Visa Signature Card for several years. The card is now serviced by XXXX. We received a credit card bill stating the Payment Due Date is Sunday, XX/XX/21. We made an online payment on Saturday, XX/XX/21. On Monday, XX/XX/21, the site said we hadnt paid the bill. We will get a late notice. We called to complain. The customer service person said they dont apply payments over the weekend and it would probably be credited on Tuesday, XX/XX/21 and we will probably get a late charge. Imagine requiring payment by Sunday but not recording payments made the date before! This is a scam to increase late payment penalties. This wont happen to us again because we cut up our credit cards and sent them back to Fidelity. Perhaps Fidelity will notice when I move accounts worth 7 figures to XXXX XXXX ... Then again, probably not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a credit card in the mail on XX/XX/2021 but I did not apply for a credit card. The mail was addressed under my maiden name. The credit card is through US Bank reliacard. I believe my identity has been stolen. I tried to call the 800 number on the card but you can not get a live person to help. It's an automated system. Please help as I do not know what to do next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: 1 ) XXXX XXXX, Client Relationship Consultant, XXXX, CA emailed XXXX, XXXX branch manager to say the {$200.00} promo information coming from XXXX, XXXX branch was all wrong-I need to stop talking with her. Even after XXXX set up online statement the branch was still charging fees for that-which XXXX never told me that is what is needed. Also there were 2 consecutive direct deposits although XXXX failed to mention that criteria as well. That is why XXXX said I should not talk with XXXX because all her information was non-existent. When XXXX reopened account to steal my govt XX/XX/XXXX check he did not allow me online access. 2 ) I Reported XXXX {$150.00} on XX/XX/XXXX by phone and 3 ) got letter XX/XX/XXXX BEFORE 60 DAYS PASSED, see attached US Bank letter-4 ) Thats Why Received Letter XX/XX/XXXX BEFORE 60 Days & 5 ) its not even on statement. Also below is CFPB complaint which includes $ XXXX-there are many because never handled. Please credit {$150.00} that was taken out of my XX/XX/XXXXPayment. Please advise. The formating is off because writing in CFPB text. XXXX XXXX All complaints XXXXPrint complaint On XX/XX/XXXX at XXXX XXXX I spoke with XXXX at US Bank at put through fraud, and Did Supv wanted me to go through each 1 again. On phone you can not see more than 1 entry bc bank has advertisements so i put through when saw. Credit was supposed to be jn 10 days also they owe me {$200.00} for opening account with direct deposit : XXXX XX/XX/XXXX XXXX XXXX XXXX Ca {$79.00} XX/XX/XXXX Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX Ca {$340.00} XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX SHOULD BE {$170.00} CREDIT XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX - XXXX XXXX XXXX XXXX Ca {$110.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX {$85.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca {$79.00} XX/XX/XXXX Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX Ca {$340.00} XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX Ca {$170.00} SHOULD BE {$170.00} CREDIT XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX - XXXX XXXX XXXX XXXX Ca {$110.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX Wa {$85.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX Ca PAID CASH SAID CARD DID NOT WORK {$310.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX. XXXX Ca {$150.00} Dia Show quoted text XXXX XXXX XXXX XXXX XXXX Ca PAID CASH SAID CARD DID NOT WORK {$310.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX. XXXX Ca {$150.00} 4 ) I dont have all of the statements-I request all statements since account was closed and reopened. I dont see {$310.00} credit. I dont see {$150.00} credit referred above. I dont see {$56.00} credit. XXXX XXXX XXXX XXXX Ca {$110.00} XXXX XXXX XXXX Ca {$59.00} XXXX {$85.00} XXXX XXXX XXXX {$79.00} Please credit me {$850.00} I STILL DONT KNOW IF ACCOUNT IS CLOSED. I WENT INTO XXXX, CA BRANCH AND THE BRANCH MANAGER, LONG, CALLED POLICE ON ME FOR REQUESTING AN ACCOUNT CLOSED LETTER THAT WE SPOKE ABOUT DAY BEFORE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: USbankReliaCArd was frozen since XX/XX/XXXX. XX/XX/XXXX Placed a call to XXXX, was told to fax drivers license and non federal emplyee to XXXX which I did on XX/XX/XXXX with confirmed receipt. XX/XX/XXXX did a follow up call, was told it will take 5-10 business days to procees. XX/XX/XXXX Placed a call, was told to send a selfie to Verify.USbank.com/Retail which I did. as documents not found.Requested as call from Supervisor. XX/XX/XXXX Call from XXXX, Supervisor, unable to find documents to refax documents. XX/XX/XXXX Documents refaxed to same number as stated above. XX/XX/XXXX Followup call, need selfie send to Verifu USbank.com/ID XX/XX/XXXX CAll placed, card still inactive. XX/XX/XXXX Placed a call again, still no determination, was told told to call back XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A