Date Received: 2020-03-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Overdraft fees since Corona virus and temporary loss of job. 2 Over Draft Fees on XX/XX/20. One was paid when I called. 2 ODF 's on XX/XX/20. One was paid as well. This bank has a history of charging overdraft fees. How can they kerpbtaking from people when there is no money in the account especially in times like we are in now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: US bank closed my account ; as there were attempts at fraud on my debit card ; and credit cards with them.I received a call ; and she says ; well you are in Texas where we have no branches there ; find a new bank there.This was XX/XX/XXXX.So far one excuse after another why the money left in the acct. have not been returned in 40 days.Imagine if that was my life savings.Many calls ; no action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I called US Bank Visa credit card ending in XXXX requested a forbearance as I was impacted by the Corona virus and they denied my request and us Bank Visa Credit Card indicated that if I was 30 days late they would report it to the credit reporting companies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an XXXX credit card through US Bank late 2019. In XX/XX/2019 I wrote and mailed a check for the full payment amount to US Bank. I emailed it as early as possible because I wanted the check to clear before XXXX. The check never cleared - it was mailed almost a month prior to the due date - so I called and made a payment over the phone and put a stop payment on my check with my financial institution because I figured the check was lost. About 2 weeks later ( 5 weeks total since I mailed the check ) US Bank cashed my check even though I had a stop payment - apparently they changed the name of the entity the check was made out to which allowed them to cash the check even though it had a stop payment. They then charged me a {$25.00} fee because I requested them to refund back the payment amount - they had double my payment ( the original check + the phone payment ). I did nothing except pay my bill on time and I found myself paying a {$25.00} fee. I submitted an appeal and never heard back from the appeal. Finally I closed my account to avoid dealing with US Bank any longer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Elan Financial Services did a hard credit inquiry on my credit WITHOUT my permission. The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. In the letter, you also have to state your gross income, and monthly rent amount. The instructions on the letter did not say they would have to do a HARD credit check. This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. I already wrote to Elan Financial and they replied back. I also submitted a dispute to XXXX credit bureau. The date this hard credit inquiry occurred XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: US Bank is committing multiple violations under the Fair Credit Reporting Act. I am writing to request your help. They are reporting false and erroneous information to the credit bureaus. Please see some of the violations bellow : - Failing to investigate account - Failing to send late notice by mail as requires the California Credit Reporting Act. - Negligence - Breach of contract Their wrong report is affecting me in a huge way. Its affecting not only my credit score, but also my psychological health. Please send the attached documents to US Bank. Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 I attempted to use my temporary debit card to purchase something and it was declined. I was confused because I knew I had more than enough funds in the account to cover the purchase. I called US bank right away and the automated answering system informed me that my card was put on hold for suspected fraudulent activity and it asked me to verify if I made any of those transactions ( {$1300.00} ) which I did not. I was transferred to fraud department by the automated system and I explained to them what happened and they filed the claim for me explaining that provisional credit will be available in 10 business days. They instructed me to break and throw away the card that was compromised and I would get a new one in the mail. They also instructed me to fax back a declaration form which I did the next day on XX/XX/XXXX. I called US bank on the XXXX of XXXX Friday and I was informed that it hasnt been 10 business days yet and to wait till Monday the XXXX. Fast forward to today XX/XX/XXXX, I called US Bank once again to inquire as to why my provisional credit wasnt provided after checking my online account. After a long hold, they informed that my claim had been closed since XX/XX/XXXX and the investigators determined that I initiated those fraudulent transactions. I was shocked by this because no one told me this on Friday when I called and i asked to speak to the claim investigator but they told me only they can call me so I have to wait for their phone call. I am beyond frustrated because US banks fraud system detected this fraud in the first place and my card was placed on block due to those transactions which I verified were not initiated by me the same day when I tried to use my debit card. To add to all this frustration, A US bank branch manager in XXXX sent me a letter informing me that my account would be closed at the end of XXXX for no reason. When I called for answers they told me they had the right to do that and do not need to provide me any explanation. I have been US bank customer for over two years and Im really disappointed with how they are treating me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98168
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/XXXX I discovered my card would not go through at 3 different locations so I called us bank focus prepaid card they asked me if i returned a purchase to XXXX XXXX XXXX and I did so they said that my card was inactive because the credit raised a red flag the credit is only XXXX $ I asked them how does a credit raise a red flag they said the credit should of went on another card and not the focus card because the focus card was not the original form of payment. I told her I asked the worker which card it was and she said the last 4 numbers on the card which i think the worker got confused. So the US bank rep said i needed to send in proof of purchase from the store I have sent in this receipt several times and US Bank keeps telling me check back in 4 hours then check back in 2 days basically I am getting the run around since XX/XX/XXXX. Every-time I call they tell me they didn't get the receipt and I have all my confirmation emails that said it went through successfully. I have my whole paycheck on this card and I would like to get my money off of this card because I have a bank account I dont need this pre- paid card. I have talked to every bank rep and they all keep saying just anything to get me off the phone and this is not fair they are holding money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am studying XXXX and i was using a service called XXXX XXXX XXXX in XXXX illinois. But the service didnt offer what i needed and they told me to give me a full refund back in XXXX and XXXX of 2019. I made a payment with my bank card XXXX to take this course for XXXX boards to become a XXXX. I informed XXXX that they were giving me a full refund. XXXX credit card member services did not contacted me instead reported my card as fraud at first and then i had get back in contact with them. after months of waiting on a refund from XXXX XXXX. i recieved partial refund and i did do my payment. Due to XXXX correspondence back XXXX and XXXX i was told i have no payment due. but when i got my partial refund i was reported to pay XXXX because i was suppose to get full refund but since it took so long for the case to resolve i reported XXXX XXXX XXXX to XXXX and they are giving me a refund of XXXX dollars but XXXX have put it in my credit even tho they have had correspondence of letting me pay it when this case is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A