Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I did not get the 4 % bonus cash back for my spend at restaurants because the restaurant used a different code other than a restaurant. This is for my US Bank XXXX XXXX credit card. I ate at an expensive XXXX XXXX XXXX restaurant and other expensive restaurants on my vacation and used this credit card, but because the vendors had a different categorization, US Bank would not provide me the bonus points even though those vendors are undoubtedly restaurants. I called the customer service line and asked if they could still give me the points but I was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I paid {$1500.00} via XXXX transaction to a contractor that promised to purchase building permits to correct building code violations at my building located at : XXXX XXXX XXXX XXXX, XXXX IL XXXX. He told me that the total job will cost {$6000.00} and I will need to pay {$1500.00} for him to start the job. The contractor did not purchase any permits, took my money and disappeared without giving me any service. He said that his name is XXXX. His phone number is ( XXXX ) XXXX His name on XXXX account was XXXX XXXX XXXX XXXX XXXX I contact the Fraud department at US bank to cancel the transaction and give me back my payment, but my claim has been denied ( attached letter ) Please let me know if there is any way to get my money back. Thank you, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX {$5200.00} past due. Account # ending in XXXX- keeps reporting an account well past the minimum statutes. I believe they re-aged the account. I disputed date of last payment as they claim XXXX. But last payment was late XXXX. Its been 8 years, Ive disputed the account but no action. Same thing with Elan Financial Services {$1100.00}. Should be dropped its past 7 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78040
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Hi, I bought a US. Bank prepaid card, Bin XXXX. {$500.00} ( deposit ) + {$6.00} ( purchase fee ) XX/XX/XXXX : The trouble started from XX/XX/XXXX, I lost my card. XX/XX/XXXX : I requested a replacement. They asked me to provide IDReceipt, submitted on web ( XXXX ), identifying the purchase. I did it. They sent me the replaced card. ( Charged me a {$6.00} replacing fee ) XX/XX/XXXX : I got the replaced card. XX/XX/XXXX : The same day, I find the card is unable to use, I contacted the company, spending over 1.5 Hours. They said they are unable to active my card since the information I provided is not match. ( yes, this is okay, it does mismatch because I bought a lot of GiftCard that day ), ( Complain 1 : How can they issue a replacement if info mismatch? ) XX/XX/XXXX : I agree to send correct info, And I did it via Fax. They said they will active my card in 3 days. ( Complain 2 : it's XXXX, Fax is not convenient to use, Each time I use it I will be charged a couple XXXX Why we can not use E-mail? ) XX/XX/XXXX : I called them again, The card is still un-active. XX/XX/XXXX : I called them again, they said they still can not active. I escalated to the supervisor, they now provide details about why it can not active. " the photo ID is to light to be seen, " ( I used my phone to take a photo of my ID, And Faxed it. I can see it clearly, Name, Datebirth, Address, everything is clear. I don't know why they can not see it. ) ( they just repeatively said it's too light to be seen in their system ) ( Fax will automatically adjust the photo to white and black, so they is no so called " light '' problem, becasue all photo will be black and white ) ( I actually a half-professonial photographer, I know how to take a photo better than 99.99 % people ) I said, I can upload it again, on web site, so this will be very clear to see. At first, they said they can not do it, they can only accept Fax. After half hours talking, they give me a try to upload, a web channel. But that channel is not working, I can not upload it. Then, they start repeating again : " fax is the only way to do it, we can not do anything else ''. I said, can we use e-mail? They said no, Fax is the only way. For now, I spend over 1.5 hours on the phone again, and I still can not use my card. ( Complain 3 : XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 made XXXX payments related to XXXX purchase order - {$290.00} and {$360.00}. product was never delivered, and vendor stopped communicating. I opened a dispute with the credit card company, and they behaved in an arbitrary and predatory manner where they " randomly '' and illogically reveresed the EARLIER, and LOWER, of the payments ( {$290.00} ) and did not refund the other payment ( {$360.00} ) I made a purchase of a XXXX device - a customized digital storage device - from a company in XXXX XXXX The reservation order was made on XX/XX/2023 for {$290.00}. The estimated delivery date was stated as " End of XX/XX/2023 '' A couple of weeks later I made payments on the customizations option of the device with a {$360.00} payment on XX/XX/2023. After the delivery date lapsed, I reached out to vendor who said it would be delayed and later totally vanished and stopped responding. At that point I submitted a dispute with the credit card company and was shocked to see how they are acting in a predatory, abusive, and arbitrary manner. If the payments are related to the same purchase, how can you logically reach a different outcome? I have made multiple calls to the credit card company trying to resolve this. The service reps acknowledge how ludicrous this situation is but kept claiming that they " follow policy '' and this is " out of their control ''. This is especially worrisome, because it highlights that they maintain this predatory and abusive behavior as part of a corporate policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: U.S. Bank Top loan officer - XXXX XXXX is quoting rate on XXXX XXXX, which is forbidden by all banks. and he quoted rate without APR, which is against regulation, when I asked him for APR, he refused to disclose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, I requested a credit limit increase online for my Fidelity credit card ending in XXXX. A few days later, I noticed that my credit score had decreased by XXXX points. Today I called Elan by phone and learned the following : 1. My request was denied because a credit file was locked. They refused to say which bureau or even which person. They advised me to check all six. 2. Even though I am the primary cardholder, an attempt was made to pull my wife 's credit reports as well. Her credit scores also suffered severely. 3. No notification was given to me by phone, email, or text message about this issue. 4. All inquiries made were " hard '' pulls, even though a soft inquiry would have yielded the needed information. 5. When I asked for a copy of the disclosure where I was supposedly informed that a hard pull would be performed, I was denied. 6. When I asked for a copy of the consent where I supposedly gave permission for a hard pull to be performed, I was denied. 7. If I choose to reapply for the credit limit increase, additional hard inquiries will be performed against my, and my wife 's, credit reports, even the the one that were not locked. This would cause further damage to my credit scores. 8. Five days later, I am still waiting for the official denial to arrive by snail-mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX an individual stating they were with U.S. Banks Fraud Dept called me from a XXXX XXXX number stating they suspected fraudulent activity on my accounts. For me to confirm it was U.S. Bank, they texted me a code to my cell phone. They sent me a text from the U.S. Bank Alert notifications phone number which was already in my phone as I have received text verifications from this U.S. Bank phone number before. I provided the individual the code and they proceeded to inform me that someone was trying to make a charge outside XXXX and that someone was also trying to issue a wire fraud. I explained neither were authorized. They then proceeded to verify high dollar amount charges that I had made ( therefore, they were in my account and I did not provide them with any personal information such as my SS # or pin ). Ultimately, the individual issued two wire transactions using the codes he texted me. Obviously, I unknowingly had ultimately approved the wire transfers to then go through but again, at this point I thought it was U.S. Bank and that the wire transfers were not going to be successful. XX/XX/XXXX in the evening I was not feeling comfortable with the situation and called the U.S. Bank Fraud line XXXX XXXX XXXX but I was unable to get assistance because it was after XXXX XXXX Therefore, I called the general customer service line and the first individual could not assist me because he only dealt with checking accounts and stated he couldnt do anything about it and I would have to wait until the morning. Therefore, I called this number back and spoke to an individual who was able to freeze my accounts but stated I would have to wait until the fraud dept opened the next morning at XXXXXXXX XXXX to discuss the issue further. XX/XX/XXXX, I went to the bank at XXXX to express my concern about the problem and the bank rep ( XXXX ) stated I would get my money back and that he would file a fraud claim and closed my accounts. He told me to come back at XXXX on XX/XX/XXXX to walk through opening up my new checking and saving accounts. I was at this bank location for almost two hours. XXXX I went down to the bank for my scheduled appointment at XXXX and the bank rep XXXX XXXX XXXX was not there so they had me meet with another rep XXXX XXXX XXXX and I re-explained the situation. I was at the bank for about an hour and a half again as she tried to contact the right individuals and almost seemed to have to go through a completely new and different process compared to before. She advised that I contact XXXX XXXX XXXX XXXX XXXX to follow-up on claim number XXXX XXXX XXXX was unable to return my funds due to the accounts being closed and she didnt have the new savings account information. Therefore, I gave her my new savings account number and she mentioned she only had received information about the wire transfer for {$5600.00} which she believed she could recover, and would complete this return into my new savings account by the next day. However, she mentioned that there was nothing she could do about the other wire fraud of {$9200.00} on XX/XX/XXXX. She said that this could be irrevocable and is unsure why I was guaranteed I would get this money back as unauthorized wire transfers from online accounts may be irrevocable. She mentioned I would need to follow back up with my branch for them to locate this unauthorized claim as she has had no connection to this efraud. XXXX XXXX emailed me the claim number of XXXX. XXXX I went back down to the downtown branch to speak with someone to try and receive yet more clarity on what exactly was going on and XXXX assisted me. I was there again for an hour and a half and I reexplained the situation as he tried to determine next steps. He filed an affidavit of unauthorized paper debt and was to email it to XXXX and was then going to email me the document for my records which I did not receive. XX/XX/XXXX, I called the bank and asked for XXXX to email me the documents as I did not receive them. XXXX I called the bank and spoke w/ XXXX who was going to follow-up with XXXX to have him email me the affidavit which I then received, and she was going to investigate the claim further. She called me back that eve and provided a claim number of XXXX and mentioned it may have been wired to an international bank account and this process may take longer. XX/XX/XXXX, I called U.S. Fraud XXXX XXXX Provided claim XXXX XXXX which was submitted on XX/XX/XXXX and they stated it was denied on XX/XX/XXXX but no reason was provided. The representative was going to email the dept requesting an understanding for why it was denied and get back to me within 48 hrs. XX/XX/XXXX, I called downtown U.S. Bank branch and spoke w XXXX who was going to speak w a manager on XXXX to see if there is anything she may do to reimburse the funds. She mentioned the second wired fraud was likely not going to be refunded due to there not being any funds in the account the money was wired to. XX/XX/XXXX, spoke with XXXX who mentioned that essentially the bank would not reimburse me for the {$9200.00} as there was negligence on my part since my U.S. Bank username/password was compromised at some point and I essentially authorized the wire transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66044
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Elan Financial services is reporting a CO ( charge off ) on XX/XX/XXXX, when in fact it was actually charged off inXX/XX/XXXX. It used to show the charge off accurately as XX/XX/XXXX, and then they changed it, thus repeatedly hurting my credit. I paid the debt in good conscience to sure up the creditor, although I didn't think they would try to utilize me paying them to further hurt my credit and RE-Charge off the account. I have provided a picture of how this is being reported on XXXX, and I have also attached a document/pdf that was provided to me by XXXX ( Customer Care Specialist ) from Elan Financial services that details that the account was actually charged off in XX/XX/XXXX in their own words. I have highlighted this in yellow in the document attached. I would like this to be corrected on my credit report ( s ) with not only XXXX, but all credit reporting agencies. I hope to not have to continue to spend more time on fixing this than I already have. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32405
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XXXX : XX/XX/23 USBank debited my checking account {$5000.00} without my approval. XX/XX/23 USBank again debited my checking account another {$5000.00} without my approval. STEPS TAKEN TO RESOLVE : XX/XX/23 Contacted USBank via phone. USBank said they would investigate. I was told that it will take until XX/XX/23 for the claim to process, and they would get back to me, or that I should call back again after that. Agent indicated that she had put a block on my account for the amount of {$5000.00} so to preclude another unauthorized debit. I seems she recognized that there was a problem. XXXX XXXX XXXX with branch manager and explained the situation. She made a long call to accounting then said to wait a few days for the outcome. XX/XX/23 Followed up by phone. No resolution. XX/XX/23 Met with branch manager again, after ANOTHER {$5000.00} was debited from my account. She assured me that they would be able to get an accounting of the missing {$10000.00} one way or another. More phone calls to accounting. XX/XX/23 Branch manager called and gave me a claim number. Said I should wait XXXX days then they would get back to me, or that I could call them. XX/XX/23 After once again not hearing anything from USBank, I called in. The agent said that there was no indication that anything had been done to resolve this issue. She conferred with her supervisor and they tried to get ahold of their adjusters but couldn't make contact. So she sent them an email, and told me to wait another XXXX days, and that they would contact me. Or that I could call them. XX/XX/23 No word from USBank. Never received a callback, even though I was told several times to expect one. Spent hours on the phone with their accounting department, every time having to re-explain the problem. I don't think that there is a path to resolution open to me through USBank. XX/XX/23 Opening incident with CFPB.
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: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A