Date Received: 2020-02-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I own a small business and, our business has been using US Bank Credit Card for over 10 years. Our company has always paid the full balance or the minimum balance required by the credit card terms and conditions. However, our business took a downturn in XX/XX/2016 with unexpected drop revenue and change in the market place. We haven't been able to recover thus we have not been able to make the full payments to the credit card. Since XX/XX/2016 the US Bank Credit Card started to increase our interest rates from 13 % to 24 % APR. and 29 % APR thus costing us a lot more to make the minimum payment and sequentially our ability to eliminate the debt. Furthermore, they allowed our credit card to go over the {$6000.00} credit limit causing our account to incur additional fees per cycle. I spoke with the credit card stating we didn't want our credit to be expanded if we didn't have any additional credit and also to return the {$39.00} fees assessed to our account and Indeed they did. however, they continue to add the fee each and every cycle. First, we have paid our credit card for the last 13 years. We should not be penalized our interest rate increased 10 points on the Apr. It's simply unfair and predatory. Second, if the credit granted we should not be charged the recurring {$39.00} over the limit fee. In both instances, it not because we are not paying our bill on time it is simply trapped to charge our account additional fees. I would like a comparable credit to our account our ability to fairly negotiate the debt so we can move our business forward. sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have a credit card ( VISA ) from Elan, which was issued by the XXXX XXXX XXXX in XXXX, TX. The card always had an interest rate of 9.90 %. On XX/XX/19, I made a purchase of {$5000.00} and one for {$61.00}. I would not have used this card if I thought it had a high interest rate. I was not charged interest in XX/XX/XXXX, but the recent statement had my " purchase '' under a 16.49 % interest rate. I was never informed about the rate change. I called, and after getting nowhere with a representative, asked for a supervisor. He could not explain to me what happened to the 9.90 % rate ( which is still shown on my statements XXXX, and was unwilling to make any adjustments. Under the high rate, the interest amount for just two months is {$140.00}. Again, there was never any notice from Elan about rates going higher.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello the CFPB, and USBank. I would like to dispute some transactions today. I would also like to change my account number, remove any restrictions my account has, and order a brand new debit card with a new pin. My last request is that any overdraft paid fee, is reverted. If this is not done within 30 business days, I will be forwarding this to the XXXX and taking any necessary actions needed. Any transactions you see from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX need to be reversed, and the fees associated with it wether it be overdraft, or processing fees need to be REVERSED BACK TO ME. I have updated all of my emails, passwords, and phone numbers so this can not further happen. I've attached my account transaction history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Saturday XX/XX/2020 I tried to purchase 5 tickets on XXXX for a basketball game through XXXX XXXX. I began texting her about the tickets and the communication between us did not feel like she was a scammer. Once I sent the agreed upon price of {$400.00} to her via XXXX, she only sent me 4 tickets instead of 5. I tried reaching her via text and calling but she blocked me. We tried from each number in our group and she did the same. One friend asked her if she still had the 5 tickets available after she scammed us, and she said she did, which means she was trying to scam others the same way. Upon receiving the tickets we immediately knew they were fake, but proceeding to try them anyways just in case they weren't. Obviously that didn't work. I reached out to my bank, US Bank, immediately to alert them of the scam and to cancel the XXXX transactions, which they said they would submit a claim and I should receive the {$400.00} back within 40 days, but most likely within 10. On XX/XX/2020 I received a letter from US Bank eClaims Services Department telling me the transaction was posted as requested and my claim has been denied. I do not feel they investigated this matter appropriately, otherwise they would know this woman has scammed others. I have attached copies of all of the communication between XXXX XXXX and I, as well as the letter I received from US bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I attempted to call my creditor to resolve my account, and they transferred me to the law firm managing the account. The law firm refused to accept my proposed payment arrangement based on my capacity to pay at present. The law firm representative advised that the account was litigated, and that there was a real estate lien on my property. I do not own property. It is apparent to me that they were attempting to intimidate me with this false information as a means to collecting the entire balance immediately. The representative and supervisor with the law firm stated that they would not accept my proposed payment arrangement because " it does not meet the requirements of their client '' ( the original creditor ). The communication with the law firm representatives ended with their confirmation that they refuse to accept my proposed payment arrangement to resolve the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This concerns XXXX-XXXX .This is my response to their response.Webster bank lie. The transfer were on XX/XX/2020, not on XX/XX/2020 like they told.It means that i was on time.They took late fee {$29.00} for this.I do not agree with their decision.They have cheated on my.Dear CFPB please see download from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2020 I made a {$560.00} deposit into an ATM. My deposit was taken without receipt of being received. Despite the fact that I was extremely overwhelmed that my bill money was now gone without a trace.The bank manager ( XXXX ) was very rude and refused to give me her last name or provisional credit before 10 days as another branch informed me could be done. I have been a member of this bank for over 10 years and in good standing. Through no fault of my own I am unable to pay my bills which have accumulated late fees on top of what I already owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the evening of XX/XX/2020, my purse ( including wallet, checks, driver 's license, credit/debit cards, SSN card ) was stolen from the trunk of my locked car by way of smashing the front passenger window and subsequently unlocking the trunk from inside. I immediately filed a police report, cancelled all cards, confirmed my cards stolen with my bank 's fraud department, froze my accounts with all credit reporting agencies, and issued stop payments on all the checks contained in the checkbook. On XX/XX/2020, I applied for and received a temporary replacement driver 's license as well as attempted to close my primary DDA account with US Bank and open a new one as I was worried that because my account information was exposed on the checks, it could be tampered with. However, when I explained my situation, US Bank denied my request to close the original and open a new account on the grounds that I didn't have a valid photo ID ( the temporary one issued by the DMV did not include a photo ). A few days later, on XX/XX/2020, I was alerted that a fraudulent counter withdrawal in the amount of {$6300.00}, unauthorized by me, was issued at a US Bank branch to the offenders the day before, on XX/XX/2020. The offenders fraudulently impersonated me with my stolen driver 's license and forged my signature on the withdrawal slip. I immediately contacted the Fraud Department at US Bank on XX/XX/2020 who only then proceeded to close the compromised account and transfer the balance to a new account. On XX/XX/2020, I completed and filed Fraud Documents sent by US Bank 's Fraud Department to dispute the fraudulent transaction as well as initiate an investigation with the confirmation that the funds would be reimbursed and I would not be held liable in any way. I followed up on the progress of my claim on XX/XX/2020 and was told it would be another 2 weeks until the final review was complete and to check around XX/XX/2020. I followed up again on XX/XX/2020 and was informed that my claim was denied on the grounds that the trunk of my locked car was not a secure enough location. This is inaction by US Bank is unacceptable. There was very clearly gross negligence and inconsistencies on US Banks part to protect my funds. This fraud was enabled solely by the lack of attention of US Bank as all the parameters to reject any and every transaction subsequent to XX/XX/2020 were in place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: US Bank should refund me {$610.00}, CFPB should apply any of the Lousy Laws to punish USBank and it's Crooked officers, if Justice applies for Corporations in Corrupted America.
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: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
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 suppose to be charged {$550.00}, but a merchant ( night club & karaoke ) charged me twice of {$550.00}. I filed a claim to my credit card company but they said they are unable to assist me in resolving my dispute since merchant provide a sales receipts. 1. I did not see the receipt that night. 2. I did not sign the credit card receipts and this is my signature ( credit card company knows this is not my signature, but they said it is not a matter ) 3. I was trying to resolve this dispute with merchant, but they have not responded. 4. Cardmember services refuse to further assist me because VISA does not allow to investigate this case since merchant provide a receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A