Date Received: 2021-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filled a dispute in regards to the incorrect items on my XXXX credit report. It had been well over 30 days and i haven't received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70461
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have two bank accounts, one with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the other with US Bank where I do the majority of my transactions at the XXXX, Oregon branch. My complaint is with the XXXX, Oregon US Bank Branch location!!! On XX/XX/2021 XXXX was supposed to automatically transfer electronic funds to my US Bank account in the amount of {$2300.00}. I checked my US Bank account on this day and did not see the funds in there so I called XXXX to see if it went through. They said no, it does not look like it went through. I told the lady who answered the phone at XXXX that it was supposed to be an automatic deposit set for XXXX XXXX. 2021 to my US Bank account and how could this be. She proceeded to tell that the funds do not appear that they were pushed through to my US Bank account and that the only person that can push this through is on vacation. I thought to myself, okay well my bills are not going to wait and this is a bit of an inconveience to their customer so I will have to handle this on my own and asked that XXXX cancel the automatic electronic funds deposit for XX/XX/2021 since it did not show up on time and to restart it XX/XX/2021 instead of XX/XX/2021. Again, she made it clear I needed to talk with the person who I could not talk to because he was on vacation. As a responsible customer trying to fix my problem with my accounts as it was obvious I was not getting any answers with XXXX because someone was on vacation, I decided to write out a check from my XXXX to myself in the amount of {$2300.00} and cashed it at US Bank. I cashed this check at the US Bank XXXX, Oregon location and the teller said only X amounts of funds are available to me immediately and that the rest would be available the next day on XX/XX/2021. I did take the {$220.00} funda immediately available to me at the time of this transation. On XX/XX/2021 I started using my credit card as I knew there were funds available in my US Bank Safe Debit Credit Card account as the teller told me this is when my funds would be available to me. On XXXX XXXX, 2021 an XXXX deposit from my XXXX came in, in the amount of {$2300.00}. I noticed this and immediately called XXXX and said I would somehow need to return that money back into my account with them because I wrote out a check to myself in the amount of {$2300.00}. So, I gave them my ATM debit card to put that money back into my XXXX account from my US Bank account as I assumed the check that I wrote out to myself would go through since I cashed it the day before. So to recap ... I DEPOSITED A CHECK in the amount of {$2300.00} on XX/XX/2021 and THEN on XX/XX/2021 the electronic deposit from XXXX came in and then {$2300.00} deducted ( using my atm card ) from my US Bank on XX/XX/XXXX. 2021 in an attempt to put that money back into my XXXX account to pay for the check that I wrote out to myself. The point here is that the funds were available on XX/XX/2021 for US Bank to cash that check!!! Then on XX/XX/2021 US Bank deducted ANOTHER ... ... ... ... XXXX {$2300.00} from my " Safe/Debit '' account making this account more in the negative! I called XXXX XXXX XXXX and they were able to tell me that the branch placed a HARD HOLD on my account and the be AWARE of this type of account. In the meantime, I'm unable to have access to my funds????? Why would the bank do this. If they simply allowed the check to be cashed, everything would have been fine, but no ... .they have to inconvenience their customer to spend hours on the phone to figure this out in an attempt to get my account back into a positive balance with no assistance from them what so ever. I feel they overreached their bounds by withholding my funds for me when I needed them. So ... .through the advice from XXXX, they suggested I re-write out ANOTHER check and cash it making sure my account has not been stopped from depositing money or that they will NOT charge me fees due to their actions. So, I called XXXX at the XXXX, Oregon location on XXXX XXXX branch because they assist me much better than the XXXX, Oregon location. I asked XXXX if there is a hold on my account and if I could deposit funds into my account. He said yes, you can. So I re-wrote out ANOTHER check from my XXXX account in the amount of {$2300.00} in hopes that this branch DOES NOT return the check back to me like they are doing with the 1st one!!! All that happened here was that I wrote out a check to myself and US Bank returned it because they saw that another deposit of {$2300.00} was from XXXX coming in and then saw me pay XXXX back the {$2300.00} so they rejected my check that I wrote out to myself. In the meantime, I have spent hours trying to fix these accounts in a timely manner to only be inconvenience by their decision to return a check that I wrote out to myself that had available funds. Something so simple, you would think these people at this branch know what they are doing? I have had nothing but trouble and anxiety with this branch. Someone really needs to evaluate how they do business there. Someone seems to be over-controlling their boundaries there and seems they are getting away with it. I sure hope they don't return my 2nd check I just wrote out to myself. If they do, I'm at a loss as to how the XXXX I'm supposed to fix this problem? XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 977XX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi, I noticed today I have a credit card account on my credit report belonging to Elan Financial Services stating it was opened in 2014 on XX/XX/XXXX. At this date I was 14 years old and can say with confidence I did not sign up for this. My credit report notes payments have always been on time for this report and XXXX says the balance is just short of {$10000.00}. I have not known about this credit and have not used any of it, or payed any of these payments. I am trying to get to the bottom of what is a fraudulent line of credit in my name. Thank you for the help. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The boat was totaled on XX/XX/XXXX due to XXXX XXXX. XXXX XXXX has sent US Bank a check 3 times. XX/XX/XXXX, XX/XX/XXXX, and XXXX. US Bank refuses to cash the check and pay off the loan. I have called consistently for four months trying to get this problem resolved and no one from the company will help or call me back to tell me why they will not cash the checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70605
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
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 a US Bank ReliaCard debit card in the mail today. I called US Bank and they told me it was an unemployment debit card. I did not apply for unemployment or the card. They tried to transfer me to relicard branch which keeps hanging up the call. When I call the number on the card it just wants me to activate a pin number. I called cfpb to file a complaint. Today is XXXX2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was informed the week of XX/XX/2020 that might count has been in active. I had called the company and they had told me to send in my paystub a form of identification and my Social Security card. I had sent all of these items XX/XX/XXXX I called probably about A week later to see what was happening with my account because nothing you know was changed then the lady informed me that I need to send the C ID number with that is tied to my card but they did not tell me that when I had called the first time so then I send all the information again with my C ID number then I give a called again the following probably week and a half or so away whats up my account all the images are too little we cant see them can you send it again so I sent the information thats very important information my of identification to them and they couldnt see it so I sent them one more time and then they had bothered to say oh can you send it one more time in 200 or 300 % so we could read your form identification I did this XX/XX/XXXX I called today give me five business days so they could receive the fax and I am informed once again that I need to send my form of identification one more time plus my fiancs information where as I told her why didnt you guys tell me this from the beginning she answered I dont know they should have told you this is been in your this has been in your account since XX/XX/XXXX that I needed to send information of my fianc which does not make sense because he has nothing he is not in the account this is my account I am the account holder. Every time I call they give me another task at hand where it should just have been said from the beginning every time I call its something new Ive been dealing with this issue since last year XXXX I couldnt do a lot of things because I have so much money on this account that dont have access to. Now they said I have to send my information again and my fiancs information. I do not have a problem sending this information but this would be the sixth time I send very important at information without anything happening to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received a US Bank ReliaCard from the Ohio Unemployment Insurance Program. I'm not an Ohio resident, have never worked in Ohio, nor have I applied for unemployment in the state of Ohio. Despite numerous calls to their fraud department, I have been unable to reach anyone or get a response. I want to make sure this account is identified as fraud and not associated with me or my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, US BANK, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On the hire website for unemployment it says I got paid yesterday but j still didn't
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Unrequested VISA debit card sent by US Bank Relia Card. Call load very heavy on US Bank to get card canceled. This is a case of fraud as I am not unemployed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A