Date Received: 2020-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a notice letter from U.S. Bank dated XXXX/XXXX/2019 telling me they received a replacement insurance policy with XXXX XXXX and that I should cancel my previous insurance. U.S. Bank then made a payment for {$1000.00} to XXXX on XXXX/XXXX/2019, but the problem is I never changed insurance carriers and when I contacted US Bank on XX/XX/2019 they stated that the payment had been made to the wrong account under someone else 's name. The initial phone call on XX/XX/2019 did not resolve the issue and the customer service rep said it was in Supervisor Review, because of its unusual nature. I asked for a letter to explain what happened and asked for them to give details on fixing the situation. After never receiving a follow-up letter, I called two other times and both times receiving run-around and numerous holds by customer service staff that would only say it was in supervisor review and give no details. Finally, after I insisted the representative give me contact information for the supervisor in charge, which they previously wouldn't do, they finally gave me a phone number for XXXX XXXX XXXX XXXX XXXX XXXX. I called the number and left a voicemail and never got a response. I called the number several other times and it would go to an automated voice immediately saying " Good Bye '' and instantly hang-up. It's been almost a full year and I have gotten nowhere with U.S. Bank and they have not returned the {$1000.00} they took from my account and I feel like I've been defrauded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had my credit pulled recently to purchase a new home to find that US Bank had reported a 30 day late on my mortgage for XX/XX/2020. I refinanced my home in XX/XX/2020 and they received payoff for this mortgage on XX/XX/2020. I have verified that the XXXX payment was received and that they received the payoff of my mortgage on XX/XX/2020 leaving no payment due for XX/XX/2020. I have been contacting US Bank every day since XX/XX/XXXX to resolve this issue and still do not have resolution. They have provided a letter stating that the XXXX payment was not past due, but have yet to provide something stating that the XXXX payment was reported late in error on my credit. I have spoken with 11 different customer service reps and all but 5 of those were supervisors. Yesterday my husband reached out to them as a second voice and when he asked them about correct the letter finally provided to reflect the XXXX payment not past due as we requested, they said they could not help because their supervisor was no longer available, but that we could follow up on this tomorrow. Tomorrow being Saturday, XX/XX/XXXX. He asked if the supervisor would be there in spite of the fact that it would be Saturday and was told yes. When we called today, Saturday XX/XX/XXXX, they were of course closed. This error on their part has lowered our credit scores from the 780 range down to 660 range and is costing us tens of thousands of dollars as we have already sold our current home and have a {$20000.00} Earnest Money deposit on our new home that would be lost if we walked away from that transaction. They are leaving us with little choice but to close on our home at a rate that is more than 1 % higher and is requiring that we will have to pay XXXX points for discount fee. I am sure that we will be in a position to refinance out of this loan when we finally resolve this issue, but it will then cost us another set of closing costs. We are engaging legal counsel against US Bank at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84124
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I applied for unemployment in may. I received my reliacard around XX/XX/2020, tried to activate it and the website told me to contact the number on the back of my card. When I called US Bank they told me my account was marked as inactive, and that I should contact my state agency for more information. So I did, I called the Treasury department in Pennsylvania, and they just told me that they put my name and my account number on a list and sent it back to the bank so they could verify my identity and unlock my card. So I call the bank again, only for them to send me back to treasury, and its been back and forth since. I havent been told the reason why my card was marked inactive. I faxed the info the bank asked for ( ID, SSN, Account Number ) and did the website verification. Still to this date ( XX/XX/2020 ) I havent been able to receive my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My ReliaCard account has Pandemic Unemployment Assistance monies in it. US Bank, without notice or reason, has deactivated my account. Despite me following all directions of US Bank to upload to them my drivers license and other documentation, US Bank has not activated my account, depriving me of access to my Pandemic Unemployment Assistance monies. Please activate my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Elan Financial approximately 1 month ago asking why they still had not reported my credit card account as being closed. The agents both told me that I needed to write a letter to their Collections department somewhere outside of their company headquarters, because supposedly the two departments have nothing to do with each other. That explanation makes absolutely no sense whatsoever-if Elan 's regular customer service department has access to our account info, then that means they have the ability to communicate with their Collections department on their own. It is not the customer 's responsibility to fix his or her credit report. They obviously reported my account as late-they can go ahead and report the closure as well. They are the party who closed my account-NOT ME! By Elan refusing to report my account as closed, they are able to continue adding interest charges and late fees onto my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28734
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received a debit card from USBank ReliaCard which I did not apply for. This card is in regards to unemployment benefits. I have been retired for several years, and have NEVER applied for unemployment benefits. This is a scam. I tried to reach USBank but was unsuccessful, as their website requires to activate the card, could not get to speak to anyone to have them cancel this card. It seems that someone is using my name to use this debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My name is XXXX XXXX My address is XXXX XXXX XXXX I am writing because I was locked out of my Us reliacard account, due to a change of address I was instructed to send documents I have three times The documents I've uploaded Is a lease statement A photo of of my landlord The phone number of my landlord My photo ID My w2 My SSN A selfie of me holding my id A selfie of me holding my debit card I was told it would be unlocked in 1-2 buisness days, it's now going on the XXXX I have no access to my funds I need to buy medicine I've called over thirty times The agents are all unhelpful, they all have a diffrent reason as to why the " company hasn't reviewed my documents '' I have contacted the PA unemployment office who has contacted the company on my behalf to have my account unfrozen and still no help Today was the last draw ( XX/XX/2020 ) I called at XXXX XXXX, the agent told me that they have received my documents, but they couldn't unlock it till after XXXX XXXX, and to call back then to have my account unlocked I called at XXXX XXXX, the agent who answered said there's nothing sh can do, that I should resend in my documents, I asked to talk to a manger she said there isn't any that work there. I am livid, they are holding my money because I changed address 's, I was forced to change address due to an eviction I have also uploaded the eviction notice I need my money to buy myself medicine to buy my self food and they have no right to hold my money on me I want this fixed right away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My recent complaint ( XXXX ) filed XXXX was closed WITHOUT CLEAR EXPLANTION of why XXXX XXXX XXXX XXXX has NOT reported my existing loan since XXXX XXXX through XXXX to the credit reporting agencies. While US BANK had the right to the legal process it took, the RESULT and HARM TO ME was to wipe my mortgage off my credit report completely. There was NO follow up with XXXX County Circuit Court to notify them I had Satisfied the Judgment. I do not have CREDIT for one of my longest creditors through XXXX, XXXX or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have $ XXXX assets across my US bank accounts.. In XXXX or so I created a child account for my daughter XXXX, just to get her an ATM card for emergencies. She barely ever used her account and she has access ONLY to her account, not to my other accounts. On XX/XX/XXXX, we noticed suspicious activities on her account ( some unknown XXXX transfers ) and contacted US Bank 1-800 number about this on XX/XX/XXXX ( the next biz day after we found out ). I was told that their fraud dept is looking into this ( person XXXX ) and that they would contact me. Had to wait for her to return from PTO when she sent us to the local branch. OK, so we went to the local branch and were told this would be resolved in 10 days. When more than 10 days passed with no outcome, and went to the brand again, at that time we realized also that all our account have been blocked. So just because XXXX account currently shows negative {$700.00} balance ( her balance before the fraud was {$300.00} ) they now blocked all my $ XXXX assets.. and my scheduled payments are bouncing off and I am being charged penalties. I have been reaching multiple times both via phone and in person at the local branch, and one moment they tell me to open a new account with them, close the old accounts ( since they supposedly might also have been compromised ) and transfer the balance to the new account, and the next moment they say I can not do that since my fraud claim was rejected with no further explanation and no access to my funds. I told them that if they are concerned about that - {$700.00} balance, lets put {$1000.00} aside from my account, but I really need to reestablish my access to the remaining $ XXXX to no availsomehow they just do not care??? Any chance you can help me here with my customer rights? I would have never expected this from US Bank ( such well known institution ) and I had been their customer since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A