Date Received: 2020-03-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: US Bank opened a credit card fraudulently. I ever knew about this credit card. I have filed a complain for identity theft. They report to credit Bureau and my credit score dropped significantly. They are saying they are still investigating and are not providing any help in this regard. Their identity verification has major loop holes and i have been victim of their faulty system. I am trying to buy a house and they messed up my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
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: Last year 2019, U.S Bank reported me and my wife for being 30 days late on our mortgage during the government shutdown. We filed a complaint here and they eventually sent us an apology stating we shouldn't have been reported. The 30 day late status WAS removed from our credit report but our points were not reinstated. When we were reported, they took approximately 70 points from both me and my wife. After removing the 30 day late status from our credit reports in XXXX, we still haven't seen those points returned to us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My XXXX year old Grandmother paid her bill twice. We told the Bank and Mastercard. When we refunded the money, The XXXX XXXX Rewards Mastercard, claimed this was a credit against her account. However, they had already taken out of the bank account. We had to argue this point, that they had taken the money out of the bank account and not used that money as a credit towards the account. We were able to get the situation sorted in that one of their customer service providers said that when the account righted itself at the end of the month we'd only owe the balance. This still hasn't occurred, months later, and they still claim this money - which was never given them, nor used - is owed to them. Because of their insistence, later acceptance but non-action, the account balance doesn't reflect the actual payoff amount, and the bill ballooned. I wouldn't be filing this complaint if they had promised over the phone that they understood and the account was clear. Nor, would I be as quick to complain if dealing with their reps hadn't proved to be difficult in sorting a simple situation. One representative fought with my Grandma for two hours trying to get her to pay the bill she'd already paid, a third time. Claiming that when we paid twice, on accident, we owed this amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I open My Student Account with US Bank as I'm XXXX-XXXX Student at XXXX XXXX College in the City Of XXXX. Today Saturday XX/XX/XXXX I'm In Receiving a Letter dated XX/XX/XXXX stating that the financial Institution is closing my account effective XX/XX/XXXX Which means 4 days from the today when I had received the letter. I went into the branch on XXXX in the City of XXXX and spoke to the Teller " XXXX '' which she stated that the normal protocol of the bank is 30 days from the date the customer received the notification. I Had to Maintain a Good ethical relationship with the bank for the past 4 years and I'm XXXX Years old senior XXXX citizen and I'm confused of their motive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed a hard inquiry on both my XXXX XXXX credit reports XXXX XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95380
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made my monthly payment in full, on the day it was due. They payment was not acknowledged until the next day and I was billed a {$29.00} dollar late fee and {$55.00} in interest. I believe {$84.00} in penalties for a payment that was made on the due date, is excessive. My attempt to get the moneys rebated was refused by a phone rep and through the online banking message portal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a US BANK account that with the promo code XXXX. This promo code promised a {$200.00} account bonus for opening a elite money market account. I have attached the terms of this promotion as an attachment. In XX/XX/XXXX, I called a couple days after my account was created to verify that the account had the promo attached to it. I was told that the promo code was attached to it. In XX/XX/XXXX, I called again to verify the promo code was attached to my account and the customer service representative said that the code was not attached to my bank account. Therefore US BANK would not grant me my bonus that was promised at account opening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
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 have called US Bank no less than 6 times regarding a dispute I filed for a charge on my credit card. US Bank says that their supervisors are calling me back, yet they REFUSE to leave a voicemail, and they do not accept incoming calls. I have never once seen a missed call from US Bank, and have no proof that they have EVER returned my call. Additionally, they have incorrectly read evidence regarding my dispute, and are avoiding allowing me to talk to a human being to explain. Additionally, the merchant has provided NO evidence to counter my claims, yet US Bank has ruled against me. It's as if they could not possibly try to service me less. Terrible business practices. I purchased tickets through XXXX for XXXX in XXXX XXXX in XXXX of 2019. I selected tickets for DAY 2 on the website, for a SUNDAY, and was charged, but emailed tickets for SATURDAY, the wrong day. Fearing they would sell out, I made the purchase a second time and received the correct tickets for Sunday. I immediately contacted the merchant but they would not help. I disputed the charge with US BANK, and send them an email exchange between myself and the vendor where the vendor ADMITTED that they received 2 ticket orders for SUNDAY, the correct day. Even after the vendor admitted their error, US Bank would not properly process my dispute
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: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card account with USBank due on XX/XX/XXXX, On the due date I paid the account online ( see attached confirmation of the payment ) but USBank posted the payment the following day XX/XX/XXXX and accessed a {$29.00} late fee which I thought was outrageous, I send an email on XX/XX/XXXX and ask why I got accessed a late fee where I paid the account on the due date, I was told the payment was late I called the customer service again the following day asking for an explanation and I was told that the reason I was late is because the payment was made on XX/XX/XXXX at XXXX XXXX and the cut off time is XXXX CST. This is so unfair and unacceptable, If the due date is XX/XX/XXXX, the payment should be good up to XXXX XXXX. I have requested for a refund but USBank refused. This practice is outrageous, unacceptable and unfair This late payment will be reported to the credit reporting agency and will affect my credit, this payment was not late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened the account months ago and have been electronically depositing money into the account. However it isnt letting me take money out. I have spoken to 3 separate departments on several occasions and none of them have been able to identify why there is a hold nor have they been able to lift the hold. I have not had voicemails and promises to call me back fulfilled. I have several thousands of dollars in the account. They can not close my account due to this hold. I dont want this bank account anymore, it is so much hassle. I am worried they will keep my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93704
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A