Date Received: 2020-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My letter to XXXX & US Bank. To Whom It May Concern, Im writing to inform you that your partner US Bank is an absolute joke and a crooked entity as a whole! Yes Im aware that most credit card companies fall into this category but at least others are working with me. Im completely shocked that an amazing company like XXXX continues to partner with US Bank. The short version of my story is this. The government tells me I have to stay home because of a pandemic labeled COVID-19. I'm not unreasonable so I get it but I'm forced to stay home and now I can't work. My place of employment was also forced to close its doors until further notice. Being a responsible citizen I attempted to contact all of my creditors. I sat on hold for countless hours over a period of weeks trying to reach all of my creditors and most of them were for the most part sympathetic with the exception of a few. One of them was US BANK. ZERO UNDERSTANDING! ZERO HELP! ZERO COMPASSION! ZERO COMMON SENSE REASONING! In short they said " I'M SORRY SIR. WE'RE NOT OFFERING ANY ASSISTANCE AT THE MOMENT! ALL MONTHLY PAYMENTS ARE STILL DUE EVERY MONTH! '' I reiterated that I'm being forced to stay home and I have no income. They didn't care. Shortly after I received a letter stating that they're going to close my account and report me to the credit bureaus if I don't make a payment soon. I said, I'm sorry because feeding my family comes first so I will not be able to make a payment at the moment so do whatever you need to do. I just checked my credit report and they in fact did report me to all the major credit bureaus for being late. Its so sad that we have such failed system of checks and balances all controlled by greed. The system is designed to fail the average US citizen ( s ). Even the RESPONSIBLE US citizen ( s ) ... In addition, months prior I took out a loan to pay off a {$17000.00} balance on my XXXX US BANK MC. My plan was too pay off the credit card and do a balance transfer from my other cards over to my US bank card in order to get a leg up on my finances. Mind you I had no prior issues and a perfect payment history. I discovered that a few weeks after I paid off the {$17000.00}, US BANK dropped my credit limit from {$17000.00} to {$2000.00} screwing me and my family over. I could have used that money instead to pay off my other cards if I knew they were going to do this. My family had a long overdue vacation that was planned that we had to cancel. I was going to book a vacation through XXXX vacations and use the XXXX MasterCard to get my dividend points. Im beyond angry. US Bank messed with my life, my families life and our livelihood. I know theres countless others that are experiencing the same thing. I hope sooner than later XXXX will wake up and do the right thing and break the partnership with US Bank. Honestly I dont believe Ill continue shopping at XXXX as long as theyre partnered with US Bank. Im moral individual and Im big on principal. With that being said my new purpose is to dedicate myself and exhaust all of my resources to expose companies like US bank and the XXXX US Bank Mastercard to EVERYONE!!!!! Through social media, XXXX, the local news stations, the XXXX, etc! Only a fool would underestimate a man with nothing to lose. XXXX XXXX, The Price of Nobility
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: DUE TO COVID-19 VIRUS OUTBREAK, I WAS LAID OFF FROM MY JOB. I APPLIED FOR UNEMPLOYMENT BENEFITS AND SELECTED US BANK RELIA CARD VISA FOR UNEMPLOYMENT BENEFITS TO DEPOSIT THERE. SO I SELECTED DEBIT CARD THINKING THAT A NEW ONE WILL COME, AND RELIACARD VISA FROM 8 YEARS AGO WAS STILL ON FILE. SO I TRIED TO CALLED U.S BANK RELIACARD FOR ALMOST 1 MONTH AND HALF NO STAFF ANSWERS WAITED ON THE PHONE FOR 3 HOURS BEEN CALLING EVERYDAY NO MATTER WHAT TIME IT IS THEY DON'T ANSWER. I CALLED MN UNEMPLOYMENT OFFICE THEY TOLD ME I HAVE TO CALL AND REPORT THE CARD LOST OR STOLEN HOWEVER, I DON'T EVEN HAVE THE NUMBER OF THE DEBIT CARD TO DEACTIVATE IT. I DO'T UNDERSTAND WHY I CAN NOT GET A REPRESENTATIVE ON THE PHONE. WEEKS HAVE GONE BY AND I AM UNABLE TO RECEIVE MY UNEMPLOYMENT BENEFITS. THE US BANK RELIACARD TOLL FREE NUMBER XXXX. I'M JUST TRYING TO INFORM THEM THIS CARD NEEDS TO BE DEACTIVATED AND FOR THEM TO SEND A NEW ONE SO I CAN RECEIVE MY BENEFITS. US BANK RELIACARD MNUNEMP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
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: On XX/XX/2020, and in XX/XX/2020, I had unauthorized charges on my account. XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$310.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} XX/XX/2020 XXXX XXXX XXXX More details {$700.00} I disputed these with US Bank and had the card closed. However, US Bank refuses to investigate the unauthorized charges. They claim I was refunded by the merchant for the unauthorized charges, but that is NOT TRUE. I even sent them a follow up, but they ignore all correspondences. They even ALLOWED the merchant to continue to charge my card in XXXX, despite US Bank knowing these are fraudulent charges. They refuse to investigate this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US Bank is reporting a credit card installment on all of my credit reports but this card is not mine! I have never lived in a city with a US Bank account and have never had a US Bank Credit Card. I have reached out to US Bank to verify this debt on three different occasions, WITH CERTIFIED MAIL, and US Bank has not responded. I assume this is because they have my credit file mixed with another person, because this account does not belong to me. I have also disputed this with XXXX and US Bank 'verifies the account ' even after communicating with them that I have had email fraud, identity fraud, and mail fraud. This account MUST be removed or I will be retaining an attorney and suing for all economic damages from my $ XXXX loan high interest, high insurance premiums, and higher interest charges on my installment accounts. This account is NOT mine and I work hard for my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
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: In trying to resolve a disputed error on my credit report with XXXXUS Bank for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry from XX/XX/2014 as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX and XXXX and creditor directly. I appreciate any assistance you can provide in clearing this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My account with US Bank Home Mortgage is in the foreclosure process, so I made the decision to sell my home before the process can be completed. XXXX XXXX XXXX XXXX sent a payoff demand request on XX/XX/XXXX and US Bank has given me the run around stating they have no record showing such request, but the attorney 's office is telling me that they have the request and are waiting on the numbers from US Bank. It is now XX/XX/2020 and they have not completed anything, which has been in their hands for 2 weeks now. I was also informed by US Bank that this could take up to two additional weeks to completed which is past the contract date of XX/XX/XXXX. I'm trying to get the bank paid off in full and no one has completed the request to get this completed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
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: Hello, my name is XXXX XXXX and the reason I am sending out this letter is to correct an error that I see on my Credit Reports. The Creditor ELAN FINANCIAL SVCS Credit Card Number : XXXX is reporting a false missed payment on my reports. On XX/XX/2020 I noticed there was incorrect information on my credit reports. The reports state that I have missed payments from ELAN FINANCIAL SVCS. I logged into my Elan Financial credit account and I started to investigate all the activity from every transactions that was made. I noticed suspicious activity that happened to be fraud charges on my account. At XXXX I called the fraud department and I spoke to an agent named XXXX and I explained to him the situation and we looked over the fraud activities together. He agreed that the activity looked suspicious and that it was fraud. Agent XXXX told me not to worry and that I would not be held accountable for any of the fraudulent transactions. XXXX began to file a dispute and stated that he was going to provide me with a provisional credit and that the investigation time frame was going to be around 30 days. On XX/XX/2020 I received a letter Dated XX/XX/2020 from ELAN FINANCIAL SVCS. The letter was from the fraud prevention team and it stated that they have concluded their investigation and that the provisional credit that was issued to my account for the fraud transactions is now final and that the claim was approved and that everything on my account is now back to normal. The letter said that if I have any questions concerning the account to contact them at XXXX. On XX/XX/2020 at XXXX I called ELAN FINANCIAL SVCS in concern with the missed payments that are still on my credit report and are affecting my excellent credit history. I asked to speak to a supervisor or credit analyst and was transferred about 3 times until I ended talking with agent named XXXX and she could not help me, she said that for any questions that I have to write and send a letter to the dispute department. I do not understand why if there were fraudulent charges on my account and ELAN FINANCIAL SVCS already concluded their investigation and resolved the issue and my account is back to normal, why does nobody at their bank want to help me or transfer me to a department that can help me. This is unacceptable and very unprofessional from the behalf of ELAN FINANCIAL SVCS. I am XXXX months pregnant and I also suffer from XXXX and XXXX XXXX, I work a full time job and I am a mother of a XXXX year old child and I also provide care for my nephew and niece it is really hard for me to deal with these problems, especially now during the COVD-19 crisis and everything that has been happening in this year 2020. I am in the middle of buying a house and the late payment error on my credit reports from ELAN FINANCIAL SVCS is affecting my chances of getting approved. This whole process has been affecting my XXXX XXXX and I am concerned for my health. Please remove false information from my credit reports. My attorney and I will file a lawsuit for defamation of character if this issue is not resolved. I have attached all the evidence of the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX, WI XXXX A week ago, at XXXXclock to XXXX clock at night. I mistake my old credit card as my debt card to deposit money for more then 900 less than 1000 to the ATM. the ATM screen show exact same as you put the debit card in to the machine. I thought I use the right card until I try to print a receipt. The screen shows invalid card. My money is eaten by the machine. So I wait tomorrow morning to the branch bank. The people work there doesn't help and have bad attitude. They told me you have to call the credit card number because you deposit money in your credit card. Then my questions are 1.ATM is in the branch bank, so US bank is not related to the US bank ? 2. My intention is to deposit in my debt card. The money is eaten, Credit card is invalid. How could just call the credit card number to solve the problem. 3.How often is the ATM got checked. There are extra money there. Who is gon na have those extra money. I call the credit card number, they tell me to talk to the branch bank. I am so confused, after a few phone call. There is someone really nice to help me claim a file and told me they will investigate in 45 days and tell me the result. After left a review on XXXX. US bank try to contact with me. And someone told me I will get about 900 dollars as credit in ten days, but After ten days, my bank account doesn't show those amount, so I call them again, they told me the amount got denied. I feel like some people work there is not well trained or the system is not good enough. Could you help me get the money back. This money is for my tuition in fall.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53005
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I contacted US Bank in XXXX in regards about removing my PMI and all I was told was an appraisal needed to be completed. I was in the process of refinancing my home, which an appraisal was ordered by a third-party. For personal financial reasons I decided to not refinance and but instead have only my PMI removed. Beginning in XXXX I began contacting US and spoke with several different people, was told my calls/emails would be returned, to which they never were. I continued to have to call and wait on hold and explain my situation to every new person I spoke with. The first week of XXXX I finally received a letter regarding how to remove PMI a month and half after my original request, and it did not include the information I was originally told when I first called in XXXX. I contacted the local branch in my area and they too said someone would call me, no one ever did. US Bank is refusing to remove my PMI even though my appraisal states the requirements for PMI removal have been met my house appraised over {$30000.00} the amount US Bank required. As a customer that has never missed a payment, this customer service is unacceptable. In addition, each time I called I was told I could easily have the PMI removed by either paying {$20000.00} or refinancing, neither of which is in my best interest for personal financial reasons. Removing my PMI would no longer give money to US Bank, which I why I assume they are making this process so difficult. Below is a timeline of all my attempts to resolve this issue with US Bank. Mid-XXXX 2020 Contacted US Bank about removing PMI and was told all I would need was an appraisal. XX/XX/2020 Called again and was told a letter was sent on XX/XX/XXXX ( from my call in mid-XXXX ) but I had still not received the letter. I was told the PMI would not be removed even though my house appraised well over what was required. XX/XX/2020 Sent follow-up email about appraisal and received no response. XX/XX/2020 Contacted US Bank again and was told a Supervisor, XXXX XXXX ( XXXX ) would call me on the XXXX or XXXX. No call was received. XX/XX/2020 Contacted a local US Bank branch was told I should just refinance ( again ) and a supervisor would call me. No call was received. XX/XX/XXXX Finally received PMI letter XX/XX/XXXX Contacted US Bank again and was told my appraisal was rejected by a vendor they use and my house appraised {$30000.00} over their required value. My PMI is {$72.00} a month and US Bank refuses to work with me. Why?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I spoke to a US Bank representative by calling theXXXX number listed on their website. XXXX the representative that I spoke to said that I qualified for the XXXX dollar sign-up bonus. When signing up I had used the promo codeXXXX. XXXX verified that my account was eligible and that the direct deposit made on XX/XX/XXXX and XX/XX/XXXX would qualify for the bonus. She said that I didn't have to worry and it would post to my account within 60 days from the XX/XX/XXXX date. She told me the XXXX direct deposit on XX/XX/XXXX and the XXXX direct deposit on XX/XX/XXXX qualified me. On XX/XX/XXXX, I called in and was checking the progress of my bonus. I spoke to a nice associate who told me that the direct deposits I made were not eligible even though I was told by an associate on XX/XX/XXXX that my account had qualified. She transfered me to her manager. Who to be honest had very bad phone quality ( teleworking ). She then told me the bonus wasn't awarded because it was for only new customers. This in itself is an outright lie since the terms clearly state " Offer is not valid if you or any signer on the account has an existingU.S. Bankconsumer checking account, had aU.S. Bankconsumer checking account in the last six months or received otherU.S. Bankbonus offers within the past 12 months. '' I am not in violation of this since my last US Bank account was closed on XX/XX/XXXX. XXXX or XXXX, I couldn't quite catch her name directly lied to me and was very aggressive when I told her that I was correctly following the terms and conditions and this was a legal issue and I would raise it with the Consumer Financial ProtectionBureau. If I was in fact not eligible I should have been directly told this on the first phone call on XX/XX/XXXX. Because I was misled on the phone call I believe that US Bank should act in good faith. All calls are recorded and I request that you review them. I believe at this time US Bank has acted in a bait and switch scenario. Please review this calls to train your customer service representatives and make sure they are educated correctly. Your customer service manager should not be spouting direct lies about qualifications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A