Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 a credit account was opened in my name by someone other than myself at US Bancorp ( US Bank ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. On XX/XX/2023 I noticed that the Inquiry on my XXXX credit report was still there so I filed a dispute. XXXX sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at US Bancorp ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to XXXX and there is nothing else that she can do. I then filed a 2nd dispute with XXXX explaining the situation and sent them a copy of the letter I received from US Bancorp 's fraud department. This morning, XX/XX/XXXX, I received the same report from XXXX " inquiries are a factual record of file access ''. I called XXXX and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, US Bancorp is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. XXXX told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased 2 cards with a {$500.00} balance on each card in XX/XX/XXXX and within 48 hours the cards were compromised with charges being made to the card without opening the package. I reported the problem and was informed to visit the company website to submit documentation that I have the cards in my possession. Once they received the information via their website, they sent new cards and I received replacement cards and within 48 hours of receipt of the new cards, they were compromised again. I was informed by their customer service team to begin the process again, but now their website has not been operational for many weeks. They have stated they are aware of the issue and the only way I can submit my information is via fax. I have submitted the information multiple times via fax and they claim to not be able to read the information despite my confirmation documentation of the faxes being very clearly eligible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: U.S. Bank closed my account but never returned the remaining balance of {$15000.00} to me. I contacted U.S. Bank so many times, and none of the agents able fix the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I've received calls from a number that shows as XXXX XXXX on the caller ID on XXXX, XXXX, XXXX, and XXXX. I assumed it was a spam call but looked up and saw that XXXX was the name of a debt collector in Oregon where I am located. On XXXX I answered that call at XXXX XXXX I was told I was in collections from an old US Bank debt and that I should call XXXX Legal located in California, at ( XXXX ) XXXX and that my case number was XXXX. I called the number and talked to a man named XXXX who told me about my debt which he said was roughly XXXX dollars. I told him that even if I thought this was correct there was no way I could pay that off in full today. He asked how much I could pay off and I just said {$500.00}. He told me he'd go talk to his XXXX to approve and not even XXXX seconds later he was back to say I could pay it all for {$670.00}. I played along and told him I would have to wait XXXX hours until I was off work. He said he would start a " two-hour timer ''. I did some research and XXXX XXXX was a group based in XXXX. The numbers they called me from were not showing up on XXXX. When I called the actual XXXX XXXX they didn't answer. When I called the public-facing number for XXXX, XXXX was disconnected. I then checked my credit scores for any collections and there were none. I then called US Bank and talked to their credit department where they confirmed that I was not in their system as being sent to collections. I called XXXX back and asked first for the company 's website and public-facing number so that I could confirm they were legitimate. XXXX refused to give me this information saying that " they could help me if I wanted '' and that " they're not in the business of giving out information about the company... that's another department. '' I started explaining why this is important and was put on unannounced hold several times mid-sentence. I hung up fairly sure I was being scammed. XXXX called me again today at XXXXXXXX XXXX. I called them back and told them I had received a call earlier and was calling back. XXXX knew my name and said she was transferring me. I then heard the same holding music that played when I called the RSG Legal group. I then heard the voice of XXXX with " legal department ''. I hung up even more sure that this was fishy if nothing else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I have attached relevant documents, including bank statements, correspondence with US Bank, and any other supporting evidence to substantiate my claim. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to ensure a fair resolution. I appreciate your attention to this urgent matter and look forward to a prompt response. Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your assistance in rectifying this grave error and holding US Bank accountable for their actions. Yours faithfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98802
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My US bank account was compromised and someone accessed my account and did a XXXX Transfer for the amount of {$390.00}. I called the bank and raised this issue ; however bank has denied the claim. As per regulation E bank is responsible for returning unauthorized transactions. The bank has denied my claim and not following the regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I purchased cd instruments via the internet on us bank website without a human interface. I understood I have 10 days upon maturity to take action. In no document does it mention this must be done verbally. US Bank now tells me I must call or come to a bank. I will be traveling without ability to call in the time frame. Given it is a reasonable expectation if you can buy something online you should be able to complete it the same way I asked for the following : 1. Automatically transfer the CD to checking upon maturity. - DENIED 2. Cash out now and forfeit the accrued interest but waive the penalty fee. - DENIED US Bank is opaque at best and the information isnt available where the CD was purchased ( had to XXXX it ). They are essentially holding my funds XXXX and will rollover to the same term. Please stop this unfair and predatory practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98502
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX an fraudulent account was opened without my knowledge. I didn't notice account until reviewing my consumer report XXXX XXXX i believe my idenity was stolen ad compromised by close relatives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: I hold an account with US Bank, and on XX/XX/2023, I utilized the XXXX application within the mobile banking platform to send {$500.00} USD to a family member ( the recipient ). Subsequently, I verified with the recipient later that day to confirm whether they had received the funds. Unfortunately, they had not received the funds, but they did receive an email confirmation from XXXX via XXXX XXXX XXXXXXXX indicating that " XXXX XXXX XXXX sent you {$500.00}. '' It's important to note that the recipient does not have an account with XXXX XXXX XXXX ; their account is held with XXXX XXXX. After waiting for 24 hours and still not seeing the funds in the recipient 's account, the recipient contacted their bank, XXXX XXXX, who confirmed that they had no record of the transaction. On XX/XX/XXXX, I reached out to US Bank to report the issue, and the representative acknowledged that the money was deducted from my account. They mentioned that there was a " known issue '' with their systems on XX/XX/XXXX and advised me to wait for a day or two, assuring me that the funds would be returned to my account for resending. Complying with their instructions, I patiently waited, but the money was not returned to my account. Upon contacting US Bank again, I was informed that the recipient needed to add their email address to their XXXX profile for the money to flow into their account. However, despite the recipient adding their email information, the issue persisted. I then contacted US Bank once more to report that the recipient still had not received the funds. During this call, I was informed that I needed to file a claim to resolve the matter. It was mentioned once again that there was a " known issue '' on the XXXX that affected several XXXX transactions. When I requested a reference number or identifier, I was told there was none, and I was advised to wait for 7-10 days for the investigation to conclude. After the specified time frame, I contacted US Bank again, only to be informed that my claim had been denied. Perplexed by this denial, given that neither I nor the recipient had the funds and considering the " known issue '' on XX/XX/XXXX, I asked for clarification. I was transferred to a supervisor who clarified that the claim should have been handled by the online team, and the initial claim had been directed to the wrong department. I was once again instructed to wait 7-10 days, resulting in the same outcome. On my next call, someone requested access to my mobile device to review my XXXX transactions. However, it was discovered that the transaction on the XXXX did not appear in the records, despite the money being deducted from my checking account on that date. This further demonstrates that there was an issue with the transaction, either on the US Bank side or within the XXXX network. In any case, I am left without the funds, and the recipient has not received the money. US Bank has refused to return the funds, despite numerous requests. I have sought to speak with the department responsible for the investigation, but my request was denied. I have also requested access to the findings of the investigation, which was similarly denied. I have not received a satisfactory explanation from US Bank. I have offered to sign an affidavit affirming that I have not received the funds and have no intention of defrauding any institution. The recipient is willing to do the same and is prepared to provide a statement and documentation from XXXX XXXX, confirming that there was no {$500.00} transaction associated with their account on XX/XX/2023. I am now at a point where I feel compelled to seek a resolution before considering legal action. I am requesting a full refund of the {$500.00}, and I intend to close my account promptly afterward.
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: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received only {$10000.00} from my closed account. I am still owed over {$14000.00}. The bank called XXXX XXXX to verify the funds. XXXX XXXX told US bank it was a valid wire into my account. This was well over a month ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76240
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A