Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My XXXX XXXX XXXXeport says I have a balance to pay of XXXX XXXX I NEVER OPENED A ACCOUNT AT THIS BANK. I have tried a few times to work this out and there is no way to fix it apparently? I dont even know what this XXXX $ is apparently for but its ridiculous that Im on the hook for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/XXXX I accepted XXXX balance transfer offers online for XXXX credit cards for companies owned by XXXX Bank, including XXXX Bank itself. Both offers were accepted for a transfer of {$15000.00}, per card. XXXX was with XXXX Bank directly for my acct ending in XXXX. The other was with XXXX XXXX XXXX ( XXXX XXXX ) who is XXXX by XXXX Bank. That credit card acct ending in XXXX. Both these balance transfer offers were available to me and within my credit limits. Their own written offer terms state the following : " Time frame : It XXXX take up to XXXX weeks to process your balance transfer. '' As of, today, XX/XX/XXXX, these transfers have still not posted to the account stipulated. I have called both XXXX Bank and XXXX ( XXXX ) on more than XXXX occasion since XX/XX/XXXX about this matter. The terms of the offer in XX/XX/XXXX was a 3.99 % transfer fee for 0 % interest through XX/XX/XXXX billing cycle. Which to me was/is 13 months from XX/XX/XXXX. They have since told me on the phone, " we're working on it, " we had a problem with balance transfers in XXXX, '' " we're sending the checks tomorrow, '' XXXX won't get 13 months you'll only get thru XX/XX/XXXX billing cycle. '' After all of this, the checks still haven't come and I am paying 9.75 % APR ( {$8.00} per day ) waiting on them. {$15000.00} from XXXX Bank. {$15000.00} from XXXX. {$30000.00} total. In the meantime, they have reduced my credit availability on these cards ( credit limits of {$20000.00} on each card ) to {$5000.00} available, per card. The {$15000.00}, per card, that they haven't paid is also being charged against my credit limits. This is all unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: *On XX/XX/XXXX, I purchased a {$500.00} VISA gift card at XXXX XXXX I paid a total of {$500.00}. Immediately after, I made a {$12.00} pharmacy purchase and a {$10.00} grocery purchase at XXXX using the card. Approximately three hours later, I called the number on the back of the card XXXX ( XXXX ) to check the balance. I was connected to a live Rep, not an auto-system with my balance. My balance was correct at XXXX. However, the Rep advised that a " fraud alert '' was placed on my card. Why? The Rep said " it just happens '' or something very close to that. To unfreeze my card, the Rep said I would need to send a copy of the front and back of my driver 's license. I asked why, the Rep said it was the only way to lift the hold on my card. I was not comfortable sending my personal info... this company does not know who purchased the card, so why would they need my ID info??? I ended the call. XXXX XX/XX/XXXX, I called XXXX XXXX XXXX on my Activation Status Receipt I received when I purchased the card. Of course, they were only able to confirm that the card was activated for {$500.00}. *Next on XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX XXXX XXXX to ask if this practice was the norm. The person I spoke with advised that they also would be concerned about giving my ID. I was advised to call XXXX directly at XXXX. *Next on XX/XX/XXXX, I phoned XXXX at the number above and explained the situation. The young man I spoke with said he would transfer my call. But, he sent me right back to who I believe is the same group I spoke with when I called the number on the back of the gift card. The name given on the transfer was " XXXX XXXXXXXX XXXX XXXX XXXX. '' XXXX XXXX XXXX the person I spoke with confirmed what I was told on XX/XX/XXXX about unfreezing my card. She said I would need to upload copies of the front and back of my gov-issued ID to the web address on back of the gift card ( www.prepaidgiftbalance.com ) or fax to XXXX. She said it would take 7 to 14 days to issue a new card ; and my new card with {$470.00} would come by mail. She said they needed my ID so the card could be issued in my name. I asked for a case number and was adv they do not assign case numbers. I asked how they would match up my ID with my card, since they don't even know my name. She said they would know??? I did not send my ID. *Today, XX/XX/XXXX, I went back to XXXX Customer Service Desk to attempt to purchase a money order for the balance on my gift card, {$470.00}. However, I received a " not authorized '' message when I swiped my gift card. Same thing trying to make a small purchase and trying to just take cash back. *Next on XX/XX/XXXX, I called the XXXX Fraud Watch Network XXXX. The person I spoke with also expressed concern in giving my ID. She suggested I contact your organization ( Consumer Financial Protection Bureau ) at consumerfinance.gov. *I have done all I know to do to resolve this issue... short of sending copies of my ID. But, I am concerned about providing that info as I do not know " why '' they need it in the first place. I did not fill out a form with personal info when I made the anonymous purchase. I am concerned someone will use my info for other purposes. Also, why was a fraud alert put on the card on the first place??? Now, even if they issue a new card, I assume it will come with a fee... I understand the only fee-free card is an expired card replacement. And why the fraud alert??? I purchased at XXXX ; I made two purchases at XXXX within minutes of buying the gift card. And three hours later, I learn they put a fraud alert on my card and froze my card... keeping my {$470.00} balance. **I want the company to immediately unfreeze my gift card that I purchased with my money. This card was to be used to purchase my groceries, my medication, pay XXXX XXXX, buy gasoline, and pay for an oil change and tire rotation on my car for the next four weeks. I have given gift cards in the past for birthdays and XXXX. However, I will never, ever purchase another XXXX gift card. If these gift cards are managed by a third party, and not by XXXX, there should be a prominent notice on the front of the gift card package advising that. This company 's action has unnecessarily caused me extremely stress. ( When researching VISA gift cards online, I did not see any complaints. Afterwards, giving specific details of the issue I am dealing with, I saw others experienced very similar problems with VISA prepaid cards. ) **THANK YOU, THANK YOU FOR ANY HELP!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30701
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT XXXX XXXX DATE BREACH VICTIM! 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 2. Provide me with written confirmation of the results of your investigation. 3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 5. Provide me with an updated copy of my credit report once the corrections have been made. 6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
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: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: When I was XXXX XXXX XXXX XX/XX/2022 from a California prison. I was informed that my card had been used. So I contacted the US bank reliacard and file a dispute for the charges. I have been getting the run around for over a year. They don't send me the right paper and they never do what it says in the terms and conditions. I just get lied to hung up on told wrong information. I just want my money. I have turned in every piece of information I have to proof my case. And still I get nowhere. Please help me. Police report has been file and identity theft paper have been file with irs. And still nothing. Still to this day I don't have any paperwork from them. the transaction can't be accessed online because they won't help me get back on my online account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a settlement of $ XXXX and went to US Bank to open an account with them, I deposited $ XXXX into the account and when I was opening this account I clarified with the banker that if it was okay for me to use a different address from whats on my ID. ( I felt unsafe having any of this mail being sent to the address on my ID ), He said it was fine and used the given address, the problem that came is that I waited for the card and when I tried to pay my bills it was declining, I was denied withdrawals and when I called they said it was a fraud block on my account for address verification. I told this to XXXX different facilities and each one has said that this is unusual since this usually comes up with people who move out of state. Both addresses were in the state I reside in. I have submitted documentation to the bank ( gov issued ID which is XXXX of the accepted items and my credit card statement ) and waited the allotted time and theyve denied me access to my funds. I can not afford to feed myself, I can not pay my bills, and on the verge of being evicted due to the fact that this man ( the worker who set my account up ) said it would be fine and the bank not trying to give me access to my accounts. I dont trust them now to even send me a check of my money due to how theyve handled this so far so I have tried to verify again but I am running out of time, I am who I say I am why are they trying to hold my money from me? I have been dealing with this and having no access to my money going on XXXX weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I closed on a home equity line of credit on XX/XX/. At this time, US Bank stated that I was required to pay off three outstanding credit cards in order to receive the HELOC. I had stated at this time, that I did not recognize one of the accounts and did not have a credit card with XXXX XXXX XXXX XXXX. The loan officers said that it did not matter, that I was required to mail the check anyway. I mailed the check after it arrived via USPS. The check was allegedly cashed on XX/XX/. I called XXXX XXXX, XXXX XXXX, and US Bank to locate where the funds were deposited, and none of the banks could provide me with information. XXXX XXXX and XXXX both said I did not have an account associated with my name, SSN, or date of birth. They could not locate where the check was deposited if I was not an existing customer. US Bank said they can not locate a check or what account it was deposited into after it has been cashed. As of XX/XX/XXXX - the check for {$750.00} is missing and unable to be located.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Was charged a late fee. Requested to be waived. Was told that for some customers the fee was waived but not for me. Never been late, always paid more than my minimum and late fee was not waived as courtesy but for others is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: The XXXX wire department has withheld XXXX dollars, which was sent from my USBAK account for the purchase of a flight that I rejected due to a price variation of the company XXXX XXXX, as well as sending me a receipt of the purchase when it was not sent. carried out, alarming my concern and giving way to the retention of that money on my part, opening a case for possible scam with number # XXXX, XXXX On XX/XX/2023, since that date I had not received a response from the bank and I decided to call to the bank and claim my funds and the bank opened another refund case # XXXX, FURTHER COMPLICATING THE PROCESS AND RETAINING MY FUNDS DUE TO AN INVESTIGATIVE PROCESS WITHOUT SOLUTION TIME AND RETENTION OF MY FUNDS, IS THE RESPONSE OF THE WIRE DEPARTMENT OF XXXX BANK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42101
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A