Date Received: 2020-06-24
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: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a XXXX XXXX card from U.S. Bank which I did not order or request from U.S.Bank. I do not, nor ever had any type of account with U.S. Bank and do not do any type of business with any U.S. Bank branch.. They have requested that I activate the card via their automated phone system at ( XXXX ). Upon contacting that number and going through their option list I was never given the option to talk to a person to inform them that I ( XXXX XXXX XXXX XXXX did NOT order or request any type of card from U.S. Bank. I am and will hold onto the card until such time as this complaint is resolved and upon that resolution will shred and destroy the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: With my Kroger Rewards Master card issued by US Bank, I make sure that I have auto payment mode turned on. I made a payment on this card earlier than the scheduled payment. Now, still they are deducting my payment for this month even though I turned the auto payment option off. This us the second time this particular incident happened. The payment will go through and deducted from my checking account and that messes up our budget. We are only on Social Security for our fixed income and something like this greatly affects us. Now we have to borrow to cover up for this Card 's gross mistake. It takes them somewhere from 7 to 10 business to refund me. I have other credit cards and when I pay my required payment even before the due date, it's considered as having made and satisfied my monthly obligation. I'll have to call them up again and probably wait for up to 10 days to get my refund. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55428
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a significant family tragedy in XXXX which I am still dealing with today. This tragedy caused me to " drop the ball '' and I ended up failing to pay my credit card bill on time. As a result US Bank called me to inform me that my account was past due in XXXX. The calls prior to when I made the overdue payment are completely understandable and permitted by the FDCPA. Once I got back to my hotel I immediately went online and paid US Bank using funds from a checking account at US Bank. The funds were removed from my checking account and I could see the payment on the US Bank Credit Card. Later that evening US Bank called again while I was on the phone with my wife discussing my family tragedy. Due to the nature of my personal tragedy the call was very painful to receive and served as a reminder of how much I was failing. There was no reason for US Bank to call me after they had taken possession of the money and were made whole. At some point I called in and talked to a supervisor at the collections department who explained that whether or not US Bank has received a payment the auto-dialer continues to call until the next day. I contacted US Bank to try to try to get US Bank to recognize this was an issue and ask them to make a change to prevent the erroneous call in the future. Unfortunately I ran out of time to get back to them and didn't bring it back up until this month. I reached out about this issue and long-term payment relief options ( related to COVID-19 ). A US Bank representative called me to let me know they were going to research the issue and get back to me. Today, XX/XX/2020, I received a call from a representative who explained the same thing the collections supervisor did and told me US Bank had no intention of improving the issue at this time and, instead, would take the issue under advisement for future improvement. This is unacceptable as the monthly US Bank statements note, " The payment date is the day we receive your check or money order at U.S. Bank National Association, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX or the day we receive your electronic or phone payment. '' As far as I am concerned if US Bank removed my ability to access the money for the payment from my account or took the money out of my account then they have received the payment. I believe I consented to auto-dialed calls related to collections and account security only. I do not believe I consented to auto-dialed calls that are /not/ regarding account security or collections. A call because my account is no longer past due is /not/ a collections call. No one should have to continue receiving harassing phone calls after they have righted their wrong ( brought their account current after missing a payment ). This is true even if the person isn't dealing with a significant family tragedy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99205
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Today, XX/XX/2020, I received a USbank reliacard. I am not a USbank customer. I have not applied for unemployment. This looks like fraud. I have tried reporting to USbank by phone. ( At XXXX XXXX mst, I spoke with a USbank employee, XXXX. She was unable to help & transferred me to an unanswered phone. I then called the USbank fraud line and at XXXX spoke to XXXX, who was also unable to help. I can not account for receiving this card & can not get any answers from XXXX. I am XXXX & have NOT applied for unemployment. Please help me resolve this.
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: 2020-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
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: I, XXXX XXXX XXXX, want to make the following statement under oath : My last name is 2 words, XXXX XXXX. Since late XXXX someone has been using my name to obtain credit while I was stationed with the United States XXXX in XXXX XXXX. I was deployed a total of 3 years and 4 months in XXXX and XXXX. These tours were back to back without a break in between. I was seriously injured and spent the better part of my remaining time of enlistment under medical care. During this time I did not actively monitor my credit reports. Due to an extended hospital care for combat injuries I have temporally misplaced these military police reports. In wartime the military does not keep records of police reports for easy retrieval thus the need to secure a current identity theft police. Every time I provide past police reports, affidavits and correspondences the bad accounts return to my credit reports after a few years under a different name/account number and I have to once again file the same disputes on my credit report. To date I have spent thousands of dollars in legal fees. Recently, in XXXX and XXXX there were 16 hard inquiries on my credit reports for a credit card with banks as well as for a fuel card. Twelve credit cards or accounts have been issued since XX/XX/XXXX. I have zero control over these inquires and credit accounts. I have flagged and froze credit granting from the three credit reporting agencies. Additionally, there is a fictitious power of attorney that is being actively used under my name as well as a California ID. The stolen identification problem continues to remain an ongoing issue for me. I have also filed a Identity theft report to the Federal Trade Commission. I have attached that report. It is report number XXXX. Today, I once again filed a police report with the XXXX Police Department in XXXX, Texas. That report, which I have included is report number XXXX. I have not authorized anyone to use my name or personal information to obtain money, credit, loans, goods or services or for any other purpose. Do not grant credit to anyone under any likeness of my name. I hereby declare that the above statement is true to the best of my knowledge and belief, and that I understand it is made for use as evidence in court and is subject to penalty for perjury.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: us bank/elan finl svcs XX/XX/2015 Remaining : {$1000.00} / Due : {$36.00} i recently found this name and info from credit report. never received any contact or letter, info. or know who they are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: They are stealing from my usbank focus card so i had to cancel first one now they are doing theft against me on the new card I got in the mail. They are torturing me and others and they are XXXX XXXX that i have the cure for. XXXX XXXX in XXXX XXXX XXXX - https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Hi! I received a prepaid debit card as a gift in XX/XX/XXXX. I went to the website XXXX on XX/XX/XXXX so I could start the process of using the card. I could get in as First time user. Well, the balance was XXXX. I saw a name on there and a notice that the card was used in XXXX of XXXX and an XXXX claim number. The prepaid customer care or supervisor would not help me. They said I need a receipt. This was a gift card. That was over a year ago, I am not asking for a receipt. That isn't the proper thing to do. I called back and a XXXX gave me a claim number and stated I could fax the front and back of the card and my id to get some help. I tried the fax machine 6 times without getting through. I can not get back into the website to get all the person 's information that stole my card. I know the name is XXXX He and the location was Illinois. XXXX confirmed this. They said they would put a stop to their use of XXXX. I called back again to VISA prepaid on XX/XX/XXXX at XXXX XXXX. to ask for some help. I was told I need a receipt. I am out {$100.00}. Do I have to have the police call the VISA prepaid to arrest that person for stealing {$100.00} from me? I can not seem to get any help through the VISA prepaid people. They are blaming me. They say I need a receipt. Why didn't the person who stole the card need the pin number or the three digit code to use it? And, why don't they call that person to get a copy of the receipt, a copy of the card, the pin number, the three digit code? I have the card. Do they? The responsibility should be on them. I am out {$100.00} dollars and have to defend myself?? Thank you for trying to help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A