Date Received: 2021-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit went down 95 points due to my missed mortgage payments with US Bank in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am very upset, either US Bank is not correctly reporting their wording and making this confusion, or XXXX is not retrieving the wording completely and accurately. I have proof from recordings of US Bank offering this program of no payment needed up to 180 days, because of the current COVID-19 pandemic, also stating it will not affect XXXX and credit scores for up to 180 days. I also have documentation proof of this in wording. I saw a significant negative impact on my credit score dropping 95 points because of these missed payments reported to the credit bureau during my forbearance plan. I opened up a dispute for XXXX and Credit Bureaus to investigate with US Bank for my mortgage in XXXX when I saw this huge negative impact and the reason is because of these missed payments during my forbearance plan. I'm not sure where the ball is dropping, but I just got an update on XX/XX/XXXX from XXXX stating : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' This is VERY unfair to me, as I was given false information from US Bank to go into this plan, being told I would be reported on time, to not affect my credit score negatively, and on a forbearance plan. I have come off the COVID-19 plan now. When I spoke with Experian week of XX/XX/XXXX, they let me know that if I was on a forbearance plan, then they would remove this discrepancy and the negative impact that was made. Again, I was on a forebearance plan, and have documentation proof of this. One of the contacts at US Bank for sending me my forbearance notifications is XXXX XXXX, U.S. Bank Relationship Manager, at XXXX ext. XXXX. Please see attached documents from US Bank to reflect on their part for proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My US Bank Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in XXXX. It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My US Bank Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in XXXX. It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is in reference to my US Bank account ending in XXXX. I had emailed them last year when I had just moved back from California to XXXX DC and was not receiving my statements. I had filled out my Official USPS Change-of-Address form before moving, and most of my other mail was able to be delivered. But because nobody had been living at the address I moved to in the past few years ( It's a family owned apartment ) the postal carrier wasn't delivering the mail. I had to go across town to the Postal Center and reclaim the mail. So I didn't do anything wrong, and it's not my fault that I wasn't receiving statements. Plus I had to move last minute back to the East coast which is disruptive enough. Regardless, I would have paid these on time if I had been receiving my statements. My payment history is excellent otherwise, except for these 2 'late ' payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: never authorized anyone to enroll me in over draft protection an I want this fixed. XXXX XXXX I have a us bank XXXX XXXX XXXX XXXX, an I am writing this an I will be calling my local branch on Monday due to the fact that I am outraged by the fact that it took me quite a while to under stand why I can get my balance out of the neg.knowing it stemmed from a 10 day hold that was placed on a check that was deposited of a authorized user for 10 days. When I came into the branch I explained how I was wrongly accused of depositing a check I knew would not clear, when it did an then I was lied to by the manager who agreed to take the NSF because of the hold off my account an return the money back to my account an then only removed 2 of the 4 that I was charged. From that point on I was repeatedly hit will NSF fees of XXXX each for up to 4 an 5 times a day when according to what I saw every thing cleared. Now after not only depositing twice what I needed to to get out of the negative I still cant get my bills paid. I NEVER ENROLLED IN ACCOUNT PROTECTION. In fact when I was in the branch that after noon I was told I would be switched to a standard account which has less fee charges. In less that 30 days I have paid 43 NSF fees which total roughly XXXX when we live pay check to pay check an no after being diagnosed with XXXX an quarantined from work money is tight. And I cant buy food I cant buy gass or pay my bills because of this clear reason as to why the federal government put a law in place that forbids banks from automatically enrolling customers into account over draft protection. I am beyond furious. I cant even get gas to go to work when I am release I am closing this account an think that in these very hard times your bank should be ashamed of this first I was told I was a lier an then my account is XXXX of XXXX putting me so far into debt I could loose every thing I am consider legal counseling on this matter if I dont get refunded this obscene amount of over draft fees. 2010 the federal reserves forbid banks from automatically enrolling customers in over draft protection for this very reason then then in the mist of covid another federal restriction was put in place so that people hit by the covid financially didnt have to worry about fees being withdrawn. Inlets than 30 DAYS XXXX IN FEES WERE STRIPPED FROM MY ACCOUNT LEAVING ME SO CONFUSED THST I FINALLY DOWNLOADED ALL MY STATEMENTS TO BE HORRIFIED THAT A BANK CAN LEGALLY DO THIS AN NEVER SAY ONE WORD. I TRIED MANY TIMES to CALL THE BRANCH AN THE PHONES HAVE BEEN NOT ANSWERED BECAUSE THE LOBBY IS CLOSED. Do you have any idea how frustrating it is to not be able to put gas in your car just to get home or have no money for grocery my car payment is now late because of this. I mean the list goes on an on I filed a complaint today an was able to get your email. Because I explained how iv been calling an people thought I was lying because I wasnt able to get threw day after day confused broke borrowing money feeling ashamed cause I never had a problem paying my bills before I have deposited over XXXX in the last 2 months an this bank note I only locked up my account for 10 days but again for 5 days an took XXXX leaving me owing you an I want this fixed now. I am prepared to take all my documents to the highest level possible because Im not going to loose everything I have worked for over something I did not authorize or ask for. I know all about how this program works its a rip off so it never crossed my mind that was the problem until I started investigating it thinking I clearly did the math all wrong only to be shocked to see it wasnt my fault. An I am still suffocating from this financially so I am prepared to go legal if I have to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/2020 over XXXX dollars was takennout of my acxount I called the government benefits card to report a unauthorized action as soon as it happen for them to close my account. Been waiting for my replacement card since XX/XX/2020 one person told me that yes my card was deactivated but that I never asked to send a replacement, I asked for the to send a replacement they transferred me the second person told me I never deactivated my card so why one person tell I did deactivated my card and the other said I never deactivated my card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Us Bank sent me a letter stating customer negligence caused my check to be cashed to wrong account. I would like to attest that it was US bank Negligence. I use epay and at some point US bank removed the name XXXX XXXX from the top of my check at some point. I was unaware. So US bank is the majority of cause in all of this. They altered my epay check without notifying me. Had I been aware, I would have corrected it. Us bank altered my epay check. My checks had XXXX XXXX 's name followed by account number!!! I have spent 4 months trying to get my XXXX dollars back. I want their finding corrected and to start taking responsibility. I trusted you with my money for 20 years! My checks should have never been altered without alerting me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: i had a us bank account for 3 years. i had it attached to my mortgage and was in good standing. i had someone do a XXXX money transfer to my checking. then someone hacked my account and removed that same amount. after the transaction. i was called that money was reported as stolen. US bank closed my account and blamed me for it and will not let me have another account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55378
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I attempted to open a new checking account and was told I couldnt due to a hold on my credit from US Bank. The account had been closed several years ago in person in the branch. US Bank is claiming I owe money that I do not. I contacted them for the documents and they have refused to produce proof of money owed, statements, or anything else. I spoke with supervisors that said they would send them and now they have sent nothing and will not respond. Their representative told me they would not speak with me until I paid the account! I do not owe anything and this should be fixed immediately on my credit and the hold removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: My company is about my reliacard I try using it at the store and decline never had a problem with it till now the USBANK put a block on my card for a address change that on my ID that they have on file some address it been going on for 2 1/2 week now they told me send them a picture of my ID and picture of me.so I did and it only suppos to take 1 to 2 business day it's been 2 1/2 week I half to pay my Bills I call them everyday and they give me the something every day that they have to review my pictures so I send them one everyday and nothing I was getting at yall to see if yall can help me to unlock my card please. And I was looking at the bank reviews and there all bad that the bank put a hold on there card and took there money I'm asking for some help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A