Date Received: 2023-11-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXXXXXX XXXX I have added to my US Bank Cash+ credit card a 10 % cash back offer for gas purchase ( see attached screenshots of the offer itself and of the offer shown 'activated ' on my account ). The deal offer was to earn 10 % cash back on any qualifying gas purchase, with a {$20.00} cash back maximum when you spend {$10.00} or more. On XX/XX/XXXX XXXX XXXX I purchased {$61.00} worth of gas at a gas station. I have not received the 10 % cash back from US Bank Cash+ card for this purchase ( estimated at {$6.00} ). The offer said that the cash back will be processed within 5-7 business days, but I have not received it to this day ( XX/XX/ ), which is more than 7 business days after the purchase. I chatted online about this issue with a customer service rep XXXX on XX/XX/XXXX XXXX who simply provided me with a US Bank customer service phone number for further assistance. I called the US Bank customer service phone number on XX/XX/3 and talked to agent XXXX, who referred my concern to investigative team. I received a letter on XX/XX/3 from Cardmember Services signed by XXXX XXXX stating that I will get a 1 % cash back bonus for the gas purchase. The letter did not discuss the 10 % cash back offer, but was referring to a different cash back offer for the US Bank Cash+ credit card. I am still awaiting my 10 % cash back reward for XX/XX/ XXXX gas purchase of {$61.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased four {$500.00} visa gift cards from XXXX that are US Bank branded cards on XX/XX/23. I have tried to use them multiple times and called multiple times to try to get them " unlocked '' to no avail. US Bank is non-responsive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My VISA is issued through Elan Financial for Fidelity Rewards. A few months ago someone opened an XXXX XXXX account with my credit card. How they got my credit card number, I'll never know. There is a monthly charge of {$86.00} that appears on my statement. I dispute the charge, Elan agrees it is fraudulent and credits my account. They also issue me a new card with a new number. A month later the same thing happens, with the new number. I go thru the process with Elan again and they say they can block XXXXXXXX XXXX specifically. The charge is credited, I get a new number, and... A month later it happens again. Apparently they can't block the merchant. This has happened four times so far. Elan explains to me that VISA, not them, is telling XXXX about the replacement credit card number. I called VISA directly and learned that they have a product called " VISA Updater '' which merchants who make periodic charges, like XXXX, pay for that informs them about the updated credit card numbers. You can imagine how frustrating it must be for XXXX, or XXXX, or whatever-service when monthly charges are declined because the number is no longer valid. This service would be handy for them. This means that this fraudulent charge will continue as long as I have this credit card account. VISA says I can always dispute it, which I have been. They also suggested I contact XXXX and cancel the account. How will XXXX know what account to cancel? I am not going to read a credit card number to them in hopes of them finding the fraudster and cancel his account. I have never used XXXX let alone open this account. VISA and Elan tell me my only choice is to cancel the credit card account altogether and apply for a new one - a brand new account will break the link. That is my next step.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was surprised and concerned, as I have consistently made timely payments on this account. initially contacted US BANK ACCOUNT NUMBER ( XXXX ) on XXXX XXXX XXXX XXXX via phone call and email I explained that the late payment entry appeared to be an error and requested its removal. The erroneous late payment entry has negatively impacted my credit score, which has negative consequences, higher interest rates, loan denial etc... This situation has also caused significant personal XXXX and XXXX to me due to its potential long-term financial implications. I do not recall receiving such notice regarding the late payment reported on my account, as required by this statute. The absence of this notification is concerning and raises questions about the compliance of your ( their ) reporting practices with federal law. In light of these legal requirements, I am requesting, Proof of compliance with the notification requirement under 15 U.S.C. 1681s-2 ( a ) ( 7 ), specifically evidence that your institution provided me with the required written notice regarding the negative information furnished to the credit bureau ( s ). A thorough verification of the late payment entry. If this late payment can not be verified, or if it was reported without complying with the notification requirements, I request its immediate removal from my credit report. My request is based on specific provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), namely 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), 15 U.S.C. 1637b, and 15 U.S.C. 1681s-2 ( a ) ( 7 ). Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), as a financial institution regularly furnishing information to consumer reporting agencies, you are required to provide written notice to the customer before or within 30 days of furnishing any negative information. This notice is critical for ensuring that consumers are aware of and can respond to reported negative credit events.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: This information is pending and was not aware of property undergoing auction sale? I am also needing assistance with funds if there are available grants. This information is being requested due to different information given that my property is undergoing foreclosure process in XXXX XXXX and I was informed that I had forebearance until the end of XXXX XXXX I have been receiving false information and this could have been resolved prior to the current state that my property status conditioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. CONNEXUS CU XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In reference to my previous complaint id # XXXX, I was told that I could go to uXXXX XXXX XXXX and request my funds be released from XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I did this on TXXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX was out of office so I provide verification in the form of my IRS tax account transcripts for XXXX and XXXX tax years which were both filed in XXXX. I provided these through email to XXXX XXXX. I was told I would get a call on FXXXX XXXXXX/XX/XXXX. I never got a call so I went to XXXX XXXX XXXX for info. Branch manager XXXX XXXX was there told me she had reviewed my verification and it looked good but she has to send to XXXX other person who currently wasn't in office and that I would hear from XXXX by end of day on mon XX/XX/XXXX. That never happened. Another concern I have is since my account was closed on XX/XX/XXXX and {$8100.00} was put into a us XXXX XXXX account where it has been since. That 48 days. If you look at XXXX XXXX XXXX XXXX XXXX XXXX it is a violation of federal banking regulations to hold someone's funds beyond 43 days. I was never told or asked for verification until I filed my complaint with cfpb an even though I have provided rock sold proof from Internal Revenue Service that checks are legitimate and legitimately mine, I can't get a call back or my funds released. I can provide all documentation upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I deposited a check into my US Bank business checking account in the sum of {$350000.00}. I did this in person to make sure I would get the appropriate check hold information. After I was told there would be NO hold on the check, I confirmed that information with the teller before I left, just to make sure. The following day, I confirmed online that the funds had cleared and were available in my business account. As a result, I made online payments via my business credit card websites. I also wrote myself a check in the amount of {$150000.00}. Because this was a large amount, my husband drove to the bank and deposited it in person into our personal checking account. When he specifically asked about a hold, he was told there was NO hold. When the funds were available in our personal account the following day, I wrote ( and mailed ) checks to the IRS, the XXXX, and our roofer for our building in XXXX XXXX ; I also made online payments via credit card websites, XXXX XXXX XXXX ( property taxes ), etc. However, later that day, I received notices that our accounts had significant negative balances. When I checked our accounts online, the funds that had already been made available via the {$350000.00} business deposit and the {$150000.00} personal deposit had actually been DEDUCTED from our accounts. When I called US Bank, I was told that they had placed a 10-day hold on the {$350000.00} check sometime AFTER the funds had been made available in our accounts. Because of this, we have had NO access to ANY money and payments are bouncing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I frequently purchase prepaid VISA gift cards in {$100.00} amounts form XXXX which is backed by US Bank. their website is www.prepaidgiftbalance.com This website if FREQUENTLY down. When it has been down in the past you could call customer service and they would register your card do you could use it online. This request was denied today. If the website is the ONLY method the company is going to offer to register the cards, the it needs to be up and running 24/7. I now have two cards totaling {$200.00} that I am unable to use for the purpose intended when purchased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72023
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My accounts and my children 's accounts were closed for no apparent reason. They told us that they will send us a letter explaining what would happen next. It's been 3 weeks and they are still holding on to our money and we have received no letter or email regarding our money and accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A