Date Received: 2020-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 1. I am a XXXX XXXX vet with XXXX XXXX-connected XXXX XXXX. I care for my wife with XXXX XXXX XXXX XXXX. 2. When XXXX hit, we were denied access to our medical problems and became mired in medical problems. Our tenant told us they lost their jobs and could not pay the rent. 3. Our daughter-in-law requested Forbearance in writing on XX/XX/XXXX and XX/XX/2020, to start with theXX/XX/2020 payment. 4. The bank started the Forbearance Plan in XXXX and reported the XXXX and XXXX payments as missed to the credit reporting agencies. 5. When we asked for the Forbearance Plan to start in XXXX and to remove the report of missed payments, we were informed that we had not correctly followed the bank procedures. The Forbearance Plan would continue to start in XXXX and the missed payments would remain on our credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I was issued a US Bank Relia Card several weeks ago with a $ XXXXn balance. Two weeks later there was a balance listed on the card, I then activated the card. Today XX/XX/2020 I attempted to use the card at both an ATM machine and a credit union. The card was rejected/declined both times. I have been trying to call the company all day and the wait time lasts for hours or the system will disconnect you so that the call can not be successfully completed.
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: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Closed RV loan with new buyer from out of state XX/XX/XXXX. Oregon Title was to be sent to me, sign title, and forward on to new owner in XXXX WA. I called US Bank ~12 days ago ( XX/XX/XXXX ) asking why I had not received title. Customer support person " XXXX '' took my call. He indicated title had never been sent and it would be sent ASAP. I asked for email or phone verification when title is sent. He indicated yes he would do that. I recalled yesterday ( XX/XX/XXXX ) asking AGAIN where title was and why I had not received it. Customer agent " XXXX '' took my call. After lengthy wait on phone, she indicated release of lien could be faxed or snail mailed to me. I asked where is the title? She indicated they did not have DIRECT contact with US Banks title division. I asked to speak to manager. They assigned " XXXX XXXX '' to my case. I asked him if he could call the Title division. He said No they can not call them directly. He indicated he would EMAIL them and ask why I have not received title and if it could be expedited. If it has been lost, he indicated release of lien could be sent to me. I asked if it could be done overnight and he said NO. I has since called XXXX XXXX today XXXX XX/XX/XXXX XXXX and left vm for him. I have now waited more than two months for the title for this rv. The new owner has contacted me asking where the title is and why he has not received the signed over copy from me. I do not have an answer for him. He is unable to register the vehicle in WA without title or release of lien.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97405
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened U.S. Bank Business Leverage Visa credit card on XX/XX/2020. I spent about {$13000.00} on the card in three months and earned XXXX points, but US bank closed my card without any valid reason in XXXX. I did nothing wrong in accordance with the terms of the US bank Cardmember Agreement. I called US bank multiple times to get back my XXXX forfeited points, but I received no answer. This is absolutely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35209
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from Elan Financial Cardmember service verifying this and I am attaching it. My balance is XXXX. I have disputed this before but Elan Financial fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2020 I attempted to withdraw {$500.00} from my US Bank XXXX in which my child support is loaded onto. The ATM at XXXX XXXX in XXXX misdispensed and did not give me the {$500.00}. I contacted XXXX to inform them of the error and they confirmed the money was taking from my account and they would need to open a dispute. I contacted XXXX XXXX after and they said they could not provide me the information and to call XXXX. I contacted XXXX again around the first week of XXXX and they informed me that after 10 business days if they have not completed the investigation they would apply a {$500.00} provisional credit. On XX/XX/2020 I received the provisional credit on my card and used the funds. On XX/XX/2020 XXXX took the {$500.00} provisional credit back and stated in their investigation did not go in my favor and to call XXXX XXXX. I have now spoke with XXXX XXXX and its manager who all have confirmed it was an ATM misdispense and they sent the money back to US Bank XXXX with a claim number of XXXX. XXXX continues to open disputes and close them saying the same results that it did not come in my favor and there was no ATM error. I have verification from the bank in writing showing proof the sent the money to XXXX. I have the letter still. Please call me XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: {$1500.00} transferred to a bank acct fraudulently, on the same day that I spoke to teller at my bank about money transfers from XXXX and she told me only {$1000.00} possible a day. On hold now, no customer service available, been on hold for hrs. When I spoke to US bank person on the fraud line. ( Thought they would help me ), they transferred my call back to the reliacard no response number. I will not accept this! I have run for the US House of Representatives, and I am archived in the Library of Congress. This is criminal lack of care for poor victims of fraud. I will file criminal and civil charges against US Bank. I am Pro Se and IFP. This is what fascism looks like XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a letter in XXXX from US bank loss prevention team in regards to a past due and delinquent account and they had been unable to each me. I had no previous contact. The letter stated that I needed to contact them to work it out to prevent further collection action. At same time had a credit report come back that noted my score had dropped due to a delinquent or late payment. I have nothing delinquent. I contacted the Loss Prevention Team on XX/XX/XXXX via the number provided to tell them I do not even bank with them, nor do I have an account. They said they couldn't do anything about it l, couldn't tell me if they had filed this against my credit, and forwarded me to the Bank Manager. The Bank Manager said he could not pull up my name on the account but also couldn't do anything and forwarded me to their Dispute Department. All my information was taken. I said I wanted to know if anything was reported on my credit and I wanted this cleared up and that if it wasn't corrected I would file a complaint. I was told it would be reviewed and I would get a written response within 30 days. I received no response as of today regarding my dispute of this attempt at debt collection. But today I got another letter, same as the one I received in XXXX but with a different amount past due. I am filling this complaint instead of calling them again as none of the 3 people I spoke to the first time appeared to care at all. Will provide a copy of the most recent letter. I have not obtained a new credit report as of yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 683XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My Chapter XXXX bankruptcy was discharged this XXXX, 2020. After reviewing my credit report I see that my existing mortgage with USBank Home Mortgage is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time. After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit. Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On Saturday, XX/XX/2020, we went to a US Bank branch ATM machine withdraw money. Due to ATM machine malfunction, it took our cards. I requested US Bank Branch manger to return the cards, he told me once the machine took our cards, they cards are no longer ours and the machine threads them right away ( which I found out later it is not true ). I then called customer service, district manager 's assistant and regional manager 's assistant of US Bank. They refused to do any investigation nor give back my cards even though there was no fault of my own that the ATM took my cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A