Date Received: 2020-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry from US Bank on US Bank DS Northeast. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My balance shows I have enough to make a purchase but the my card keeps declining
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased a part for my motorcycle on XX/XX/XXXX in the amount of XXXX. My mechanic tried installing the part and advise the shop gave me the wrong part. I went to the store where it was purchased and they said they were not going to give me my money back. I filed a dispute in XXXX of XXXX. I was advised that my dispute was opened and I would get paperwork in the mail to fill out and return in 2-3 weeks. on XXXX I received a letter from us bank that my provisional credit would be charged back on XXXX because I did not return paperwork. I then called us bank and was advised that they would re open the claim. 2 weeks went by and I called them back to advise no credit and no paperwork was received they advised they were still working on it. I then called gain in XXXX and spoke to a manager by the name of XXXX XXXX at XXXX and she advised that she was going to have the claim expedited and again that never happened. I received a letter from us bank and it said they were unable to credit and process because the information I sent was insufficient. Well that's a lie because they never called me back, they never sent any paperwork and they never even acknowledge my request for a call back. I have been getting the run around and terrible customer service and us bank does no protect my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
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 debit card purportedly related to unemployment benefits in Colorado. Clearly, and for many reasons, this card is not for me. However, it is equally clear that US Bank or an organization they " partner with '' and " profit from '' has my personal information which caused this card to be issued. US Bank provides phone numbers to call which are unattended or otherwise impossible to reach a human to resolve this. I traveled t a US Bank facility. Even the manager there was powerless to do anything except provide a list of activities I would be " required '' to do that would take many hours ( police report, credit bureau notices, creditor notices, etc. etc. etc. ) I find this incredibly arrogant and condescending. I have done NOTHING to cause this fraud. US Bank or their affiliates have precipitated fraud or made errors, and yet they take no responsibility and accept no accountability for doing ANYTHING. This is simply not right. Why should the victim of US Bank 's fraud or incompetence be the one burdened with correcting THEIR improper actions?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60045
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a Debit card from US Bank/Reliacard. I never applied for this card. Upon further research I discovered that this scam is ongoing in Colorado and I'm in Florida. I have tried for hours to cancel this card using all the Phone number and websites provided and can not get through. I have also contacted one of the three credit bureaus ( XXXX ) to initiate a fraud alert on my account. I called XXXX and gave them my name, address including Zip code. I gave them my SSN and Phone number and answered some very difficult questions ( i.e. what's the current balance on one of my credit cards ). I was told that is not enough information to initiate the fraud alert. I GAVE THEM ENOUGH INFORMATION TO OPEN A CREDIT CARD IN MY NAME BUT NOT ENOUGH THE PUT A FRAUD ALERT ON MY CREDIT INFORMATION. I asked to speak to multiple supervisors to no avail. Please help us all!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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 letter from US Bank ReliaCard about important disclosures on XX/XX/2020. The Program Name is Pennsylvania Unemployment Compensation regarding a Pre-Acquisition Disclosure. I have never received funds nor applied for PA Unemployment in my life. I am concerned that possibly someone used my name to apply without my knowledge. How the US Bank National Association got my name and address is beyond me. My concern is that if such a prepaid card is not used for 420 consecutive days, they charge a monthly {$2.00} fee. Since I don't have such a card, and I don't receive unemployment payments from PA, I want to make sure that I do not receive a bill/statement indicating that I owe these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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 an unsolicited US Bank Reliacard. I called several time and I am unable to get an agent. There is no email address to submit my concern and I couldn't find information on their website
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I was given a {$300.00}. VISA gift card on XX/XX/2020 from my grandmother which was bought from XXXX 's on XX/XX/2020. I attempted to use the card 11 days later at XXXX 's, and there was only {$1.00} left on it. I immediately called " cardholder services '' the number on the back of the VISA gift card and was instructed to send in numerous documents including front and back of gift card, front and back of my driver 's license and the gift card receipt. I told them that my grandmother did not have the original receipt any longer and they said to obtain a copy of the receipt from the store where it was bought. My grandmother went to XXXX 's, was given a phone number to call by the store manager, and was emailed a copy of the receipt from XXXX XXXX, Manager, Retail Support Services Ralphs/XXXX XXXX XXXX/XXXX, which was also provided. As of XX/XX/2020, " cardholder services '' claims the receipt I provided is not valid as they can not find it in " XXXX look up system ''. I don't know what that means, but it is a valid receipt. They are using this excuse not to reimburse my gift card, which was depleted fraudulently by an unknown source. I have spend $ XXXX faxing documentation to " '' cardholder services '', have called repeatedly ( no one calls me ). To me, this is a scam not to reimburse me for a stolen gift card, when I have provided all necessary documentation and proof of purchase of the gift card, which is supposedly the only reason they are not reimbursing me now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92501
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
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: Since XX/XX/2017, I have attempted to dispute fraudulent charges on my credit card with US Bank. In violation of FCBA, they did not conduct a thorough investigation nor provided proof of the investigation or results thereof. Since then, the credit card company has routinely reported the negative information to the credit bureaus, even during subsequent investigation requests, in violation of FDCRA. Referencing CFPB complaint XXXX, the credit card company has still to this date refused to provide any documentation of the alleged investigation conducted as a result of the fraudulent charges. In addition, the credit card company has since blocked my account access as well as access to all statements of the credit card as a method pf preventing me of conducting my own investigation. I provided documents charges took place in various other states in which I did not visit nor reside, yet this documentation was clearly ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A