Date Received: 2020-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have resolved the problem paid the account in full is the reporting on my credit as negative 's please update my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Someone applied for unemployment benefits using my name and SSN and it appears they were successful in receiving funds. I have a full time job and have never requested unemployment. I received a U.S. Bank ReliaCard in the mail on XX/XX/XXXX that was never requested or signed up for ... I called the company multiple times to try and close the account but have not been able to get in contact with anyone after hours of being on hold. I need to report this fraud and close the account but it's impossible to get any assistance from U.S. Bank ReliaCard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XXXX XXXX 2020 I received a credit card from US Bank ReliaCard through the mail. However, I never applied for this credit card. I called the US Bank ReliaCard XXXX number ( on back of the card ), asking why they sent me the credit card, explaining I never applied, the woman said there have been a lot of problems, the credit card was apparently sent from Ohio unemployment, but they could not answer how, why, or where my information was used to apply for this credit card They only number they gave me to call. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
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 XXXX in the mail. An insert included said I was receiving the card because I filed for unemployment in Colorado. I did not file. I checked my credit report and there are soft inquiries from the XXXX XXXX CO XXXX, State of IL XXXX/XXXX, and State of OH XXXX/XXXX. I do not live or work in any of these states. I live and work in Arizona. I have attempted to call US Bank and each of the states, but they are overwhelmed with calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX I was late sending in my payment due to COVID issues. I then paid it in full asap. They are showing a late payment in XXXX on my credit, but they refuse to remove the late payment on my credit report. This dropped my score so I am now losing my mortgage because the score is XXXX points to low. Their late payment on my credit lowered the score over XXXX points. They agreed on a phone call to remove the late payment on my credit plus remove the late fee, but all they have done so far is remove the late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX someone attempted to purchase a XXXX XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: US Bank via a non-solicited call persuaded me to refinance my house on XX/XX/2020. Since the initial application US Bank tried every tactic to delay the process for some reason I do not understand. Maybe their rate is not favorable? They've asked me to provide more than 40 different documents which I complied swiftly and accurately. Some of the documents were requested repeatedly. Some of the documents, such as my credit report and homeowner insurance documents, have ever since expired due to the delay, result in unnecessary expense for me. Most other banks could complete the process within three to six weeks. Yet my loan application, five months after the initial application, is still under review, resulting in highly emotional distress and substantial financial loss ( had I refinanced earlier I would have paid much lower interest payments for these months ). I understand US Bank has no intention to close the loan and requested them to cancel but they were disserting me at best.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I can't get this credit card company to SIMPLY send me my billing statement by regular united states postal service mail. I can't pay the balance without the statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made two payments in full. Per the credit card agreement if payments are made in full by due date no credit interest will be applied. Interest was higher then actual interest rate and was applied on balances paid in full by due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have been a US Bank Credit Card holder for 14 years. I have never missed a payment nor had a late payment till recently when I lost my job due to the Covid-19. In XX/XX/2020, There was a message form the US Bank XXXX, telling consumers that " US Bank Is there to help and there was a link and a phone number to call ''. I contacted that number and asked the rep to do a 90 days deferment for me, just like I did ask XXXX, XXXX XXXX XXXX XXXX ... US bank was very vague and did not specifically say that they have a deferment program but mentioned reversal of Late fees. I mentioned that all my other Credit Card Companies offered the 90 day deferment and why wasn't US bank following their Lead ... There was no answer from the rep. Long Story Short, I get calls from US bank on XX/XX/XXXX & XX/XX/XXXX and they collect a payment from me, not enough to cover my minimum payment, I again mention to them about a deferment option and they are vague and do not give me a definite answer. Finally they call me XX/XX/XXXX & XX/XX/XXXX and collect all of their past due, then they put a 90 Days late on my credit, lowering my score XXXX points in 1 day. prior to this I had never had a late payment with any of my creditors and they ruined my 100 % payment history. I contacted them several times, and wrote to them, but they refuse to take these late payments from my credit stating that " The account information reported by US bank to CRA is accurate '' Another Ironic Twist ... Today I received an email from US bank giving us a message from their CEO ... " Banks are the cornerstones of communities and, in times of crisis, it is more important than ever for people to know they can count on us. We take that responsibility seriously. I wanted to let you know about some of the things we are doing to help minimize the impact XXXX has on you, our employees and the communities we serve '' This is almost comical, since they should say ... you can be a loyal Card Holder for 14 years, and Never miss a payment, but if you loose your job during the pandemic, tough luck ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 914XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A