Date Received: 2024-02-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My claim is that US Bank has wrongfully auto debited my bank account every month for the past 15 years. For a credit card that i paid off in full or the credit card was charged fraudulently. The monthly charges are still presently being debited from my bank account. At this point I feel like I am at a dead end trying to figure out what occurred with this credit card situation. I think two things could be possible : 1 ) This is bank error. I did have a US Bank credit card at one point. I paid off this credit card in full. However, US Bank did not properly close out the account and they continued to auto debit my bank account the minimum payment charges. US Bank can not provide statements or have records going back that far. 2 ) Someone opened or charged credit card using my name and bank account. The reason I think this is possible is because US Bank has a po box address for me in their system and I have never had a po box address. US Bank told me that they have been mailing statements to me all these years to this po box address and all the statements were returned to them due to bad address. Another red flag is the date of birth they have in their system is not my date of birth. In their system they have a date of birth of XX/XX/XXXX and my date of birth is XX/XX/XXXX. In addition, US Bank does not have access to the application when this account was initially opened. Therefore, they dont have proof of who opened this account or when it was opened. They have mailed me letters ( attached ) stating this is not a situation of fraud but give no reason for how they determined this. US Bank has not been able to provide any information to prove that I opened this credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92841
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/, a friend of mine, someone I've known for 20 years, posted a vehicle for sale on XXXX. It was a late model, low mileXXXX XXXX, and we don't have a lot of money, so I was excited for the possibility of getting a nice vehicle, that we could actually afford. I normally would have been wary of such a good deal on a nice vehicle, but this person was kind and charitable, and it would not have been unusual for him to sell a vehicle at a reasonable price to help others out. I contacted him via XXXX about scheduling a time to come see and test drive the vehicle, to consider it for purchase. They said they were currently unavailable to meet me, but they would take a deposit to hold the vehicle for me to look at the next day. I would never send money to someone for anything I hadn't agreed to purchase, but since I thought I was communicating with a trusted friend, I agreed to send them the money they requested to hold the vehicle, as they had had a lot of interest in the vehicle already, and I was afraid we might miss out on the opportunity to get a vehicle at such a low price, and I felt reassured it was a legitimate opportunity, since I knew and trusted this person. They requested I use XXXX to make the transaction. Since my bank ( and most major banks ) offered XXXX as a product or service used to send money, I assumed it was FDIC insured, and there were consumer protections in place when using this service. I sent {$300.00} to my friend. After I sent the money via XXXX, I got a text immediately afterward, claiming to be from XXXX, saying my transaction was rejected, and my money would be returned/ refunded to my account. ( I now know the scammers, having obtained my phone number from me, had sent the text, fraudulently claiming to be from XXXX, saying the transaction was denied and my money would be returned to my account, so that I would try to send them more money another way, which is exactly what happened. ) I told my friend ( or the person who I thought was my friend at that time ) about the text claiming to be from XXXX, worried it would jeopardize our transaction and our ability to potential get the vehicle. He then requested I send him the money via XXXX. I sent the money through XXXXXXXX XXXX via XXXX XXXX and he sent me a screenshot saying he was needing to verify with a code to receive the money, and that was unusual for him to receive that message. He then requested I try to send him the money a different way, but I asked him to cancel the XXXX XXXX transaction first, before trying to send the money, yet again, via another service. He didn't indicate whether he was trying to cancel it or not, but instead was asking me to try to send the money another way. A friend of mine had told me about the car earlier that morning, which started this whole interaction. But she had seen my friend in person during my interaction with them, and it was at this point she contacted me and informed me my friend 's XXXX account had been hacked months earlier ( he failed to inform anyone ), and there was no car for sale. I was being scammed. It was then I told them I would not send anymore money, and would just bring money the next day, when we were supposed to meet, and give it to them if we decided to purchase the car. I did not make the scammers aware I knew I had been scammed, because I did not want them to delete any information from our conversations, so I could have their numbers, emails, and contact information they had given me, to give to the authorities and the bank, as proof I had been scammed. Thankfully, XXXX is buyer protected, and they refunded our money to us. XXXX I contacted the bank immediately after learning I had been scammed and recounted all the details and information I had. This agent indicated they filed a claim with XXXX on my behalf. However they did not immediately issue a stop payment for the XXXX transaction, as another agent would indicate they should have. XXXX I contacted the bank again, to get more information about what the next steps would be from them, and what else I needed to do. I was directed to the " fraud and dispute '' department. They filed a claim with XXXX, for a " deceptive transaction '' claim and informed me of the timeline of what to expect regarding my claim. XX/XX/2023 - I filed a police report about the fraud/scam. I called my bank again to try to give them more information ( the police report number and screenshots of the information and messages between me and the scammers. They said if they needed more information, they would let me know, but didn't take any other information I had offered. XXXX After waiting several days, as per the bank 's giving timeline of when I should be able to obtain more information, I contacted them again. They said XXXX had denied my claim, on XX/XX/2023, saying their consumer contract was only valid if someone else had unauthorized access to my account, and had sent the money. They said since I had sent the money myself, they would not refund my money. The agent I spoke with seemed to scold me, saying XXXX warns you, when using their service, to only send money to trusted family members and friends. ( I thought I was sending the money to a trusted friend. I didn't know I was being scammed at the time I sent the money. ) XXXX also said customers are responsible for who they send funds to, claiming XXXX is not liable for what customers do with their money. The agent even went so far as to say " banks want customers to be stingy with their money ''. So I was being blamed for being the unwitting victim of a scam. The agent said they would refile the claim. I'm not sure if it was this agent, or another who refiled the claim, once again. XXXX I contacted my bank again. They said XXXX had denied my claim again, on XX/XX/2023, stating it was duplicate claim, since it had been refiled. This time, the agent said I should send them all the information I had about the scam, stating she didn't know why the previous agents I had spoken with had not asked for it before. She said she would refile the claim again and gave me an email address to send all the information I had, which I did. Since the bank said the claims process could take up to 45 days, I waited patiently, for a generous amount of time, before contacting them again. XXXX XXXX publishes an article titled, " XXXX begins refunding scam victims in major tone shift ''. XXXX I contacted the bank again, since I had not heard from them on the status of my claim in the time they said it normally takes. The agent I spoke with said there had been no movement on my claim since it was denied, once again, on XX/XX/2023. XXXX claimed it was a duplicate claim, yet again, though I did not feel they had taken the information I had sent them into account, since they denied the claim so quickly. The agent said perhaps there had been confusion over the initial denial and the subsequent refiles of the claim. He said he would email someone about my claim and make a note in my file that he did. Requested I wait and call back on XX/XX/2023. XXXX I contacted the bank again, as requested. the agent I spoke with this time said the previous agent did not make a note in my file that he had emailed anyone about my claim. I believe she refiled the claim again for me. XXXX ( XXXX ) I contacted the bank again. Since I had waited so long before, giving them ample time to work on the claim and thinking they were actually trying to help me, only to realize they were not working on the claim at all, I called again more frequently this time, to check the status of the claim. By this time, I felt I was being given the run around by the bank, since it had been so ling since the scam occurred. Also of note : some of the agents I spoke with were kind and helpful, some were rude and hurtful, but unfortunately, most of the information I was given would be inconsistent and sometimes confusing. There seemed to be no standard of training within the company. Some agents would give very pertinent, helpful information, while some seemed to have no knowledge of what to do. I would speak with someone who would say there is nothing more they can do, then I would speak with someone else who would say, no we can absolutely do something else to help. I called twice this day. The first time was early in the morning. the agent I spoke with, XXXX, was incredibly rude and impatient. He told me some information, then stopped taking. I started to speak to give him some more information, and he treated me like a hostile XXXX, very rude and loudly talking over me. I had not been rude to him, nor had I interrupted him, as he had me. He was blunt and hateful and said there was probably nothing he could do, but reluctantly said he would refile the claim, but said it probably would be denied again and I would not get my money back. XXXX ( XXXX ) After being driven to tears while speaking with the rude and hateful agent that morning, and left feeling helpless and hopeless, I decided to call back that afternoon, hoping to find another agent who would be understanding and have compassion on me and my situation, and also be able to give me more information and help me feel like there was still hope to recover the {$300.00} dollars we had lost via XXXX. And I did! XXXX was very kind and helpful, AND gave me information no previous agent had mentioned. I believe he also refiled the claim. Since I didn't use the XXXX app, there did not seem to be any way for me to contact them directly ( and was told as such by several agents ). But he did say I should file a claim via the XXXX website, which no one had told me to do before. XXXX I filed a report ( via the " report scam '' section ) on the XXXX website. XXXX I called the bank once again, to check on the status of my claim. I was informed my claim had been denied, once again, saying it was a duplicate claim. This was the 6th time the claim had been denied by XXXX XXXX. The agent said she didn't know what else they could do to help me. XXXX I called the bank again that afternoon, hoping, once again, to find an agent who was more helpful and possibly had other ideas to try to help me. This time I spoke with XXXX. She and XXXX were the worst agents I spoke with during this whole process. Her tone wasn't as hateful as XXXX, but she was talking over me and down to me, with a brash attitude and tone. She mentioned something about a " request chargeback '' but I don't know what that was in reference to... such as if that would be the process of it wasn't a XXXX transaction, or something, but I think she said that wasn't an option in my case. After talking to me as if I was ignorant, she said the most notable things : she said it is a matter of culpability ... and if a customer sends money using XXXX, they are culpable for the transaction, no matter what happens with the money. It's like cash... if you drop {$300.00} on the street, it's just gone, and there's nothing the banks can/will do about it. Then came the true gem : " Banks don't have a honeypot to just give people money ''. I was XXXXfounded. I couldn't believe I was being blamed for being the victim of a scam and being accused of wanting the bank to give me money for no reason. The whole point of having a " deceptive transaction '' type of claim, is for people like me who were the victims of scams. That was the last time I contacted my bank about my claim. I did some research and found articles dating back years about people dealing with the same issue I was, and warning people not to use XXXX, because they would not refund money to scam victims. I had no idea. XXXX and the banks that offer the service have done a good job of keeping this major issue a secret from most of the general public. No one else I talked to had heard about the problems with XXXX either. If I had known, I would have never used XXXX in the first place, in case something like this would have ever happened. Why do all the major banks offer XXXX as a service if doesn't offer consumer protection? I mentioned the article by XXXX about XXXX having to start refunding money to some scamming victims to the agents I spoke with, after it was published on XX/XX/2023, but no one seemed to either know about it or take it into consideration. One article I found online, mentioned a victim who filed a complaint with the CFPB ( consumer financial protection bureau ), and finally received their money back, but unfortunately, most victims who were scammed sending money using XXXX have never received their money back. I feel like my situation qualifies me for a refund from US Bank, since XXXX has refused to refund my money. I believe banks that offer products and services, such as XXXX, that are not FDIC insured or consumer protected, are liable for refunding money to consumers who are scammed using those services they offer. If banks are held accountable for the products and services they offer to their consumers, perhaps they will work more diligently to be sure those products and services will protect their loyal customers, in cases of fraud, scams, and deceptive transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX i found my debit card was shut down. I looked on my mobile app and discovered a fraudulent withdrawl of {$1800.00} on my account. I still had funds, but the bank for some reason shut down my debit card. I called fraud line and was told to go into local branch the next morning to file written notice and open a new account. I did this on the XXXX of XXXX. ( US BANK ). I have gon back to the branch and talked with Fraud line. Both are telling me it could be up to 3 months to get my money back into my account. The money was taken out at a XXXX branch with a withdrawl slip. The bank had to think something is wrong wwhat other reason would they shut down my account? I dont think i should need to wait 3 months to get my " protected '' money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66049
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/24 met with XXXX XXXX XXXX XXXX MN to report pursed and ID stolen and {$5700.00} withdrawn from checkcing account XXXX to start fraud investigation. Copy of police reprots provided and checking acct XXXX was frozen. this investigations is still in progress and US bank has not provided me with further information. a new acct XXXX was opened Fraud on new checking account XXXX, despite a fraud alert placer XX/XX/24 : On XX/XX/24 at XXXXXXXX XXXX the criminal suspect went to US Bank XXXX in XXXX WA presumably with my passport card presumably altered with a new picture and my full SSN and a check forged from account of XXXX XXXX ( lives in XXXX CO, her bank XXXX XXXX XXXX XXXX ). I have copies of the check. They presented a her check # XXXX for {$3200.00} and made {$800.00} deposit in to my NEW USBank checking account last XXXX XXXX and were given cash back for the balance. When the check went to XXXX XXXX account it bounced because the account was closed. My account was then debited from my account listing reason as returned item from a previous deposit for the full amount {$3200.00}. I was able to view this online the eve of XX/XX/24. The branch manager is XXXX XXXX phone XXXX. I have not talked to her yet. Despite extensive fraud alert on my account the criminal suspect was able to get access to my new account because of a deposit and cash back scheme. When I talked to US Bank Corporate Fraud help line on XX/XX/24 at noon they indicated the teller did not take necessary precautions Fraud on frozen checking account XXXX, despite fraud alert placed XX/XX/24 : On XX/XX/24 at XXXX pm the criminal suspect went to US Bank Branch iXXXX XXXX XXXXXXXX WA with my passport card- presumably altered with a replacement picture- and SSN and a check forged from account of XXXX XXXX ( lives in XXXX CO, her bank XXXX XXXX XXXX XXXX ) . Check number XXXX. I have copies of the check. They presented a check for {$4300.00}, {$800.00} deposit in to my frozen USBank checking account and were given cash back from the balance. ( This was actually frozen by my local back here in MN- as noted above ) When the check went to XXXX XXXX account it bounced because the account was closed. My account was then debited returned item from a previous deposit for the full amount {$4300.00}. I filled this online on the evening of XX/XX/24. On XX/XX/24 I spoke with branch manager XXXX XXXX phone XXXX. She told me that the teller did not take necessary precaution. XXXX was also able to tell me that the criminal suspect seemed to know that my account ending in XXXX was frozen. She confirmed my passport card was used as ID. It appears she spoke with the teller involved to confirm this. She told me to change nicknames on my account. On the back of this check I saw they had listed the last XXXX digits of my SSN. On XX/XX/24 I again met with my local banker, XXXX XXXX. Through this meeting I was able to get copies of the two checks listed above, forged from XXXX XXXX account. She stated that necessary precautions were not followed and that both of the tellers did not match signatures or take necessary care with my account that was already flagged for fraud. I set up phone meeting with US Bank XXXX WA branch manager XXXX XXXX ( I live in XXXX ). she di not show up for the meeting. US Bank has not providing me with adequte update about first fraud {$5700.00} and now seem to be withholding information about the two additional investigations. This pluts my further banking activities at risk. I have drawn on my credit several times to cover funds that have been defrauded, and yet. even after freezing accounts and having a fraud alert on my accounts in place, I have bee defrauded again, twice. US Bank manager, XXXX XXXX ( XXXX XXXXXXXX WA ) despite admitting that her at her branch did not follow protocol or take necessary precautions refused to give me provisional credit for the funds that were fraudulently withdrawn from my frozen account. Further, I have been charged interest, overdraft fees and cash advance fee. My XXXX score has been impacted. I am having difficulty taking care of my financial life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I am really losing my patience with CFPB. It seems they are nothing more then another government entity wasting tax payers money. I have complained about U.S. Bank and CFPB just marks things as it seems to fit them. U.S. Bank is the worse bank I have ever dealt with. Very dishonest!!!! XXXX XXXX sent me a letter to show what the agreement was between U.S. Bank and myself is. I already know what agreement is. U.S. Bank can not or will not admit there wrong doing. So lets try this again. I have already spoken to an attorney about this matter. I don't know where XXXX got his information but at no time did U.S. Bank send a check in the amount {$1800.00} to XXXX XXXX or Citi/Bank . The check U.S. Bank sent was check # XXXX for the amount of {$1700.00} dated on XX/XX/XXXX. XXXX XXXX considered this to be a third party check and rejected it. To be honest they were lucky that is all that happened. When these cashiers checks were delivered to my house no one was home and they were just left on the front steps. The amount of {$1800.00} XXXX refers to is definitely a check that paid XXXX/CitiBank XXXX XXXX. It was a personal check that I wrote from my XXXX XXXX checking account. Check # XXXX, amount {$1800.00}, dated XXXX XX/XX/XXXX. This is easily verified. U.S. Bank will not find a check for this amount in their system as they never issued it. They need to be honest about that. When I sent this check to XXXX XXXX I notified XXXX XXXX, XXXX XXXX and XXXX XXXX of this. These are the loan officers I have been trying to deal with. XXXX weeks later I had another cashiers check dropped on my front steps. It is a check written out to XXXX XXXX in the amount of {$1700.00}, check # XXXX, dated XXXX XX/XX/XXXX. This is an exact duplicate of the first XXXX. U.S. Bank should know better. I still have that check. XXXX XXXX has already been settled. So why was a check issue to XXXX XXXX and not to myself. Also there is the matter of {$540.00} that was my first payment in XXXX that is not reflected on my account. Again this was a transfer from XXXX XXXX. These things are easily verified. I have asked U.S. Bank to fix this several times and they don't even acknowledge this. U.S. Bank is sadly mistaken if they think I am going to let them steal almost XXXX XXXX XXXX dollars from me. And XXXX XXXX XXXX to do her job instead of just agreeing with XXXX XXXX Everything I have written here is completely true and can be verified. Just reach out to XXXX XXXX. They are my main bank and it will remain that way. U.S. Bank to dishonest and difficult to ever be my main financial stone. As far as CFPB goes I wish they would actually represent themselves as a consumer caring institution they claim they are. If this needs to go to the courts then so be it. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68521
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In the mid XXXX 's I had a checking account with US Bank. I closed this account with a negative balance and paid this balance in FULL. I have proof of payment both in writing and bank statement showing the payment. Over the last decade I have had multiple agencies reach out to me about pending civil litigation on behalf of US Bank to collect on this debt. the balance now being claimed I owe is double the original balance due to " fees and penalties ''. I have had to prove on at least 5 separate accounts most recently today that I have paid this debt. I feel at this point I can be sued for debt paid if I ever happen to lose this receipt. I also do not understand why this debt is still being sold to agencies when it has been paid, At this point I do not know what my options are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to complaint to US BANK about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: US Bank repeated debt collection calls to me since XX/XX/2023 in the amount of {$7500.00}. I said, I wouldn't pay unless they provide me a company I owed. Finally, they said the claim was against XXXX XXXX XXXX XXXX XXXX XXXX credit card number XXXX. I called XXXX and it was not their credit card number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX EST, I attempted to deposit cash into an ATM outside a US Bank Branch . The machine accepted several bills, returned a few, then returned more, then flagged an error and printed out a receipt indicating and I quote, " A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. CONTACT YOUR FINANCIAL INSTITUTION AT THE NUMBER ON THE BACK OF YOUR CARD. KEEP THIS RECEIPT. FOR U.S. BANK CUSTOMERS, PLEASE CONTACT XXXXUSBANKS OR XXXX " I then went into the bank, and brought the error up which they then claimed I would need to contact the number to have the machine serviced, balanced, and any cash remaining be credited to my account. I was then able to deposit a majority of the cash with the teller that was returned via the ATM. Upon calling the number, they continued to assert I'd need an exact number but I was unable at the time to provide an exact amount that was not returned as I wasn't aware how much the machine accepted versus rejected versus I was able to deposit. Requesting a supervisor, I was able to escalate the problem which the manager then decided to assert that because I wasn't sure of the exact amount the machine kept, I was essentially forfeiting that money and that I SHOULD KNOW how much money the machine kept? I guess in my mind, if the machine had an issue, it should never have accepted cash to begin with and yet the supervisor/manager refused to acknowledge the machine issue and essentially told me I'm on my own?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A fraudulent account was opened on an US Bank credit card using my personal information. XX/XX/XXXX account was opened XXXX lender checked my credit report XX/XX/XXXX US Bank raised the credit limit on the account to XXXX XX/XX/XXXX charges of {$8600.00} were placed on the card. I received a letter from US Bank on XX/XX/XXXX letting me know an account was opened in my name and they were concerned about the accuracy of the info. I called US Bank on XX/XX/XXXX and put a fraud alert on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A