Date Received: 2023-11-27
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 have an XXXX Credit Card, it used to be issued by US Bank, but was switched over to XXXX XXXX. On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with US Bank was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did US Bank or XXXX XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly 100 points. Since then I have dealt with customer service for credit disputes at both banks ( US Bank, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX XXXXXXXX. I submitted a written dispute to XXXX XXXX on XX/XX/XXXX. I submitted a 2nd written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to US Bank XX/XX/XXXX. All of these came back denied. US Bank still will not provide me my account number or any information about this incident. I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. I still believe this to be an error that was not my fault. I believe US Bank originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase to what I thought was XXXX XXXX. Turns out I was scammed. They got into my online account, took my reward money and opened a savings account, change my password, my email account information. I noticed right away because received text messages my user and password were changed. My bank refunded my money, but then they took it back stating I authorized the payment when I made the purchase. They did refund my reward money that was taken. This doesn't make sense. XXXX XXXX is NOT XXXX XXXX. How can I get my money back that was scammed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ordered flowers on their website XXXX on XX/XX/2023 order XXXX for {$130.00}. All I received was an emailed receipt. They took the money out of my bank account via my debit card and never delivered the flowers. I called both numbers listed and the phone rang and rang, and no one picked up and I got a voice message claiming voicemail was full and it hung up. Second number I called I got no answer at all and it disconnected me! I then called US Bank to try to stop the payment and she said they could not and has to dispute the charge. She then filed the dispute her name was XXXX. Complaint XXXX. This website and those running it are committing fraud and I want this complaint shared with the FTC, FBI Cybersecurity unit and IL and Oregon Attorney Generals offices!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62801
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: -This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
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: 2023-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX night, XX/XX/23 my car was broken into they stole my credit card, and they also stoled my work bag. I am unsure if my Social Security was in any of the XXXX of my work bag.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Company failed to verify correct account information while setting up several payments over the phone. US Bank app was updated with correct account information for withdrawals. Consumer had correct information for making payments. Payments made successfully through the app multiple times. Consumer was never made aware that information on the app is not shared with the actual bank it does business with. US Bank 's failure to verify account information made this account go thirty days past due. This was no fault of the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22556
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US Bank Home Mortgage stated that the payment in XXXX of XXXX was not supposed to be counted as a late payment due to COVID-19. Furthermore, in compliance with the Fair Credit Reporting Act, this creditor has infringed upon my rights as outlined in 15 USC 1681 section 602, emphasizing my right to privacy. Additionally, according to 15 USC 1681 ( section 604a, section 2 ), it specifies that a consumer reporting agency can not provide an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I called Valley Bank requesting a rewards redemption check. Their representative said the points had expired and that an e -statement had been sent to me notifying me to use them prior to expiration. I have never opted into e - statements and did not receive one. I told them i always get paper statements and had never received any such written information about using or losing them. The bank rep said the account was switched to e - statements a few months prior but could not tell me who switched the account and could not rectify the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Notice to the agent is notice to the principal ; notice to the principal is notice to the agent. Pursuant to XXXX XXXX XXXX ( l ), the term " credit card '' was used to initiate the consumer credit transaction. I'm also the cardholder and the holder in due course. Pursuant to 15 USC 1602n, I'm the one who came in with the credit card to initiate the transaction. It is not possible to get denied what I came in with. The term adverse action never mentioned anything to do with the consumer getting denied credit. Because it is impossible to get denied something that I'm granting to your corporation. The right to extend credit. Pursuant to 15 USC 1602, the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments. Credit is my right, and I'm the one who regularly extends credit and the connection with loans, pursuant to 15 USC 1602g. I'm the original creditor, and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction, and this is an unfavorable situation for the consumer. No where In the term adverse action defined within the FCRA, does it mention that a natural person can be denied credit? As an original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used, and I received no benefit from the use of my credit. An inquiry popped up on the consumer report, which is a receipt of a transaction. Someone got paid for my credit, and I received no benefit from it all. In fact, damages were done for the denial of my rights, both mentally and financially. I've been discriminated against as there are no federal laws that state a credit score can deny me my right to extend credit. I've in good faith exercised my rights. And I, a natural person, have been discriminated against pursuant to 15 USC 1691. For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. I'm aware of my open-end credit plan and my right to contract unlimitedly without being denied. I demand your company reinvestigate this matter and abide by federal law to open up the account to which I extended credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49002
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I contact the bank to open a dispute fo rmerchandize not received. They provided provitional credit. The bank never sent me any letter or information about the case and I noticed that they reversed the provitional credit given. I called the bank and they said that they sent some letter requesting more information, I said I never get it and checking the address the bank sent those letter to an address is not on file as my mailling address, they made a mistake and sent to an address ooutside of the US. I called to the bank and they said I will have a call back in 48 hours, nobody called me. I need to have this fixed asap, dont want to have my acount closed. This issue was caused for a bank negligence sending mail to an address that is not my mailling address. Dispute details : XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX At the moment of the purchase on the store I was adviced that they didnt have on stock the smartphones at that time in the same store, so they will send it to my address using XXXX XXXX and the delivery date given was no later XX/XX/2023. I never get the items and I tried to reach the merchant several times without success, nobody answer, I tried to call them to request shipping information tracking number or delivery confirmation. Attached goes the invoices and receipts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A