Date Received: 2023-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Today, I am writing this complaint to U S BANK regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am writing to inform you that a credit card account was opened in my name from USBank on XX/XX/2015 without my consent. I recently became aware of this fraudulent activity and am taking immediate steps to address the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy. 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: regarding US BANK, In early XXXX, I reached out to loan servicer to assist with payment assistance and was provided with options on-line. I agreed to payment arrangement but the servicer still is reporting credit bureaus and was not mentioned in the online proposal. I later received documentation that supposedly indicate, my credit would still be hit. The paper work was only sent on XX/XX/XXXX and not recieved until after XX/XX/XXXX which automatically hit my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX they froze my savings and checking accounts so that I can not access any money to get food, prescriptions, gas. They won't tell me anything.
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: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: FCRA states I am having the rights to exercise of fair and accurate credit report I have submitted accounts with inaccuracies that need to be corrected and advised immediately Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem when making payments
Subissue:
Consumer Complaint: On Tuesday XX/XX/ I spoke with XXXX XXXX an associate at US Bank who states that my loan was past due to my surprise when I was on auto draft but they erroneously charged off my loan due to ach issues on bank account linked due to fraud. I explained this to XXXX and he said to send {$1500.00} cashiers check and it would be be charged off so I did and have proof of check sent and delivered and XXXX XXXX confirming he saw delivery receipt but charging off loan anyway despite me paying off the whole loan all together. They deceived me and frauded me. Im requesting my credit report be updated to remove the charge off, loan paid in full, on time payments and requesting a check from them for XXXX since I had to oat off the entire loan excluding that since they never acknowledged that check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was charged off which means it was already paid for and should be removed from my credit report. Plus i need a signed copy of the original contract with my signature and the company signature because information is incorrect on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My wife passed away on XX/XX/XXXX from an accidental fall. After receiving the Death Certificate I went to XXXX Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX. I asked to talk to the Branch Manager and I informed her of my wife 's death. I presented to her the actual death Certificate, the Signed Will ( Not a Copy ) Marriage Licenses, ID etc. She informed me I could not close my wife 's account without a Simple Estate Affidavit. I informed her I was going back to Arizona the following day and could I get XXXX there and she said yes. After towing her car XXXX miles back to Arizona I obtained a Simple Estate affidavid from XXXX XXXX XXXX # XXXX Office : ( XXXX ) XXXX, Ext. XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Arizona XXXX I paid {$150.00} for the Document. I then went to XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I had an appointment and prented again the death certificate the will and the affidavit. He said you have everything you need and he put it in the computer and called legal and they informed me I had to take it to Probate in KY. I informed the Branch clerk XXXX that if the amount was under {$30000.00} Probate was not required. He said there is nothing I can do. I informed him I just paid {$150.00} for a document and said because I was given the wrong info I wanted a refund. I went home very disgruntled as this banking institution was giving me the runaround and costing me a lot of my time and money. I called XXXX bank to talk to the legal department myself and was given an Address only. The lady on the phone gave me info on someone that may help me and after 2 weeks this is the email she sent which was more wrong information " Hi XXXX, Thank you for speaking on the phone with me today. I wanted to follow up with you via email with information regarding legal documentation needed to gain access to any account that you are not a co-owner or beneficiary of in our system. If you take the Last Will and Testament to get certified in the probate court system, you will get a document titled Letters Testamentary, Letters of Administration, or Letters of Appointment. This document would essentially certify you as the personal representative over XXXX estate and it would allow us to be able to close her solely owned accounts and issue funds made payable to the estate. Please let me know if you have any additional questions. Sincerely, XXXX XXXX XXXX XXXX Events Senior Specialist I informed her again this DID NOT NEED TO GO TO PROBATE COURT its under {$30000.00}. So I finally got me a Lawyer in Kentucky and they said I just need a " Petition to Dispense '' so This is what I am currently doing BUT it going to cost me {$500.00} plus filing fees and plus the {$150.00} fee I alwready waisted my money on. THI IS ABSURD YOUR COMPANY IS TREATING LIKE THIS DURING THIS SAD TIME. AS SOON AS THI IS OVER I AM PULLING ALL MY FUNDS OUT OF US BANK WHICXH I HAVE BEEN WITH MANY MANY YEARS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85119
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited check with US Bank XXXX XXXX XXXX XXXX in XXXX CA XXXX. The teller asked me if I wanted to cash check and I said " No ''. She did not tell me the funds would not be available for 24 hrs. When I noticed the funds not available, I called US Bank and was told I would have to return to bank. I called bank and was told to return to cash check then deposit cash to make funds available. So I went to the bank, having to leave work, and then was told the check is already in process so I can not cash it and then deposit the cash so as to make available to me today. So then I asked could they make 30 % of it available so I could get to the dentist today and make my co payment which is something I desperately need to do to relieve my dental pain and prevent further XXXX. I was told no. So then I asked to close my account and was told I couldnt do that while the check was pending. So now Im just in pain, cant get me dental work done, and for no reason at all other than the bank refuses to make funds available on a check that is not held.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A