Date Received: 2020-05-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: My insurance cost has now gone up do to US Bank filing an insurance claim against my insurance on XX/XX/XXXX. The bank gave a fictitious date of damage as XX/XX/XXXX in XXXX, AZ to the insurance company. That never happened and since I own the vehicle and have the vehicle in my possession, this is a fraudulent claim. The insurance company said that lean holders have the right to do this and if the insured does not fight it, the insurance has to pay it. Again, this is a fraudulent claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was reviewing my credit report and noticed that the company closed my account on XX/XX/19. I did not request account closure and my account was in good standing throughout the lifetime of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
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 previously wrote you about my credit card company not honoring my dispute in not paying for incomplete work done on the air conditioning system in my XXXX XXXX XXXX by XXXX XXXX XXXX. They responded stating that they sent me a request for a third party statement. First of all it took them two months not to honor my dispute. If they took the time to review all the information sent to them they would have noted that on XXXX XXXX my car was returned to them for the second time. They kept the car over night and that is when they discovered a leak in the EVAPORATOR which they admitted they didn't bother to check the first time because it would have involved further inspection. ( this information was clearly stated on their worksheet of XX/XX/2019 for which they wanted to charge me an additional {$900.00} in addition to the initial {$1500.00} previously charged. Furthermore, why would I have to get a third party opinion ( totally absurd ) when the evidence clearly shows that they were negligent in not thoroughly checking the air condition system. There was other evidence information that they received that I would have had to send under separate cover. Please be further advised that In spite of the fact that this matter is presently being disputed against XXXX XXXX XXXX. U.S. Bank has violated my rights as a consumer by reporting me to various credit agencies as a bad risk after having excellent credit for some 29 years. They are also billing me for the disputed Charge of {$1500.00}. Meanwhile, I am still paying the other charges which I have accrued. They told me to take it up with XXXX XXXX XXXX which is presently being disputed. Why then are they billing me for a dispute which they have refused to honor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Calling me to collect on the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
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: Yesterday ( XXXX ) via U.S. Mail I sent the CFPB and 2 U.S. Bank locations a copy of what I have uploaded at the time that I am filing this online. The attachment hereto shows an image of a computer disc that contains information referenced in my letter to the CFPB dated XXXX. You are not receiving the cd 's contents via the attached upload but rather should receive it via U.S. Mail. In my attachment I included a copy of the addressed and postage-affixed envelopes that I mailed a copy of what is attached hereto in yesterday to the CFPB and 2 U.S. Bank locations. On this date ( XXXX ), the same XXXX that I referenced in my letter, called me. He stated that they are beyond their timeline with Visa and that there is nothing more that he can do on his end. Since U.S. Bank failed to process my dispute correctly and wasted a lot of time, they are responsible for reimbursing me the {$1000.00}. XXXX stated that I should write the Office of the President at XXXX. XXXX XXXX, XXXX, ND, XXXX and if the president believes the dispute team have made error ( s ), that office can correct it and resolve this matter. I will copy you on what I send to that office and will reference my filing this with the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XX/XX/2020 Redeemed XXXX points from my US Bank XXXX XXXX for {$800.00} to be deposited into my US Bank Checking Account Week of XXXX Called Customer Service line to inquire on why redemption hasn't deposited into my account yet, all under the same name. XX/XX/2020 Called again and was escalated to a manager, was explained nothing can be done while a separate team, where I can't contact, will look into it. Close to three weeks wait for a rewards redemption is unreasonable. At the same time, my annual fee just posted, at least that works. It feels like my redemption is being held hostage and I'm forced to pay the annual fee whether I want to continue the card or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94519
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The complaint I am presenting involves U.S. BANK, specifically unsecured credit, which I currently owe as the sole debtor of a U.S. BANK credit card account. The issue with U.S. BANK is that I have no way of paying my credit card bill, which I owe them. Before XX/XX/2020, I had never missed a single payment. Preceding XX/XX/2020, I had made all payments, consecutively, concerning my U.S. BANK credit card account debt via auto-pay ; this payment toward my unsecured credit was executed utilizing my checking account. During XX/XX/2020, I began the process of separation and divorce, which required that I change my personal debit card account number ; this account number was utilized to make my auto-pay payments to U.S. BANK. Needless to say, I was only several days short of my debt remittance, at which point U.S. BANK immediately sent the debt to collections. To cure this discrepancy regarding my, payment details ( specifically the change in my personal checking account card number ), I attempted to access my U.S. BANK online portal account. However, because my U.S. BANK debt had been sent to collections, U.S. BANK removed my ability to access this online portal account. Without access, I next called the U.S. BANK 's customer service phone number ( listed on the back of my U.S. BANK credit card ). The first call I made to this customer service number took a mere twenty minutes to reach the customer service representative. Unfortunately, U.S. BANK 's general customer service department could not fix this account issue as only the U.S. BANK collections department has the ability to assist me with such a problem ; this information is the limited information the general customer service department could provide me. So, kindly, the customer service representative transferred me to collections. I waited on hold for two hours and forty-five minutes to speak with the U.S. BANK collections department, and at the forty-sixth minute, the call cut off. I have repeated this process of calling the U.S. BANK customer service phone number twenty-three times as of today ; this " process '' referring to being transferred to collections, remaining on hold for periods which range from one hour to nearly three hours, only to never speak with a single person from the collections department. At this point, I do not know what to do. All I want is to pay my bill ... and the longer I wait, the more my credit score is damaged, as well as late fees are being added which require more countless hours, I can only assume at this point, of waiting on hold to then explain the reasoning for the necessary late fee removals. Also, I should mention that I have not received a single call from U.S. BANK, nor an email, nor a letter, which would allow me to pay my unsecured debt, which I currently owe as the sole debtor of this U.S. BANK credit account. As far as any contact what so ever from U.S.BANK ... I did receive an email in mid-XX/XX/2020 that my XX/XX/2020 payment did not execute via auto-pay, which was the notification that initiated this process I have relayed. ALL I WANT IS TO PAY MY BILL. PLEASE HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73107
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My us banking ReliaCard is blocked and I can not use it. I have been calling the number on the back of the card and I cant get anyone on the phone. I do not have a bank account at the moment.I am trying to get in touch with someone so they can remove the block and Ill be able to use my card again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: This was back before I XXXX to XXXX I wanted to cancel my loan contract and returned the vehicle but the car store and us bank refused to buy back the vehicle which is a violation of the SCRA rights ... us bank told me I wasnt allowed to do that before XXXX and I didnt have much time so I just kept the vehicle in my possession even when I gave them a copy of my orders ... I totally forgot about this situation but I did told them about my XXXX and they swept it under the rug ... its real sad they will do a XXXX XXXX and most of all a XXXX veteran like that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: My ex boyfriend worked for the call center at US Bank in XXXX XXXX Wisconsin. He informed me that US Bank no longer requires XXXX XXXX screening. Why does US Bank allow XXXX XXXX XXXX into its bank and for deposits with its XXXX XXXX customers? Isnt that illegal per Federal Laws?
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: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A