Date Received: 2023-10-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A XXXX XXXX email was sent to me about my credit score changing. When I read the email, it also showed that a new credit card account had been opened in my name with US Bank on XX/XX/2023. I went to my credit reports and the card is listed as one of my accounts. I did not open this account and neither did my wife. The account is not listed on my wife 's credit reports so it was opened only in my name. The card has a {$10000.00} limit and a XXXX balance. My credit reports shows that payments were made in XXXX, XXXX and XXXX, XXXX. I contacted US Bank and made a complaint with the fraud department and they have put a stop on the card and are investigating. I was told that the card was sent to our address on XXXX XXXX in XXXX, IL, we have not lived at this address for 35 years. There was also a XXXX account set up using my name but it is not a XXXX account I have or have set up. US bank placed a fraud notification in my reports at each of the credit reporting agencies and also in my wife 's reports. I have also frozen my credit with each reporting agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/2023 approximately {$16000.00} was deposited into the accounts and pending transactions were doubled and withdrawn from the accounts causing overdraft fees. Overdraft fees were processed on the account before the 24 hour holding period. I have done my best to communicate this issue with no resolution and a loss has been detected. No funds have been returned. I was told that USBANK is holding funds but have not been reimbursed to the entirety. Approximately {$4000.00}. I have been told to dispute transaction with the fraud department but this is an internal issue and email complaints are falling on deaf ears.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94134
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. Hard Inquiry Name Here Delete this unconfirmed inquiry lacking certifia evidence unless physically certified verified proct is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX : Husband 's card ending in XXXX was rejected at a store when trying to make a purchase. He called US Bank and they told him there was " suspicious activity '' with his card and he needed to " close '' it and get a new one. Went to nearest branch to get a new card. They gave him a temporary card and " canceled '' the one they thought was jeopardized. XXXX : Our account was overdrawn which was unexpected. This prompted a closer look at the account and we noticed unauthorized purchased being used with the " closed '' card ending in XXXX. We took precautions and closed any activity from going OUT of the account, but they left it open so they could refund the money to the account. We had to open a new account to pay the bills. XXXX : Went to a bank branch to investigate and found 101 purchases made with the " closed '' card ending in XXXX. All of the purchases were made on a XXXX in our own home. The purchases were made for virtual items ( outfits for a game character ) made by our son with XXXX. While purchases were made in our own home and with our own child- he is still a child, he is NOT the owner of the account or the card and is not authorized to make those purchases. XXXX : Talked to XXXX in the fraud department. She said we needed to wait 1-3 more days for the pending purchases to process. While on the phone with us, she looked closely at our account and saw that my husband had 7 " suspended '' cards. I don't have the dates for each of those cards being " closed '' because they won't tell me that but they ALL followed the same pattern as the event in XXXX previously noted- *husband tries to buy something *card gets rejected *US Bank says there is suspicious activity *US Bank closes the card and gives him a new card. We didn't think anything of it, other than maybe someone had his personal information and we thought US Bank was catching this for us. Now, hearing that the cards were never closed in the first place AND that somehow the card was reactivated without either of the owners of the account giving authorization, I feel like there is more to the story. XXXX closed all of the " suspended '' cards and assured me that we only had the 2 debit cards active. XXXX : XXXX in fraud department gave me a tracking number and said everything was approved for refund. XXXX : Called to check on status of account since it had been about a month. Spoke with XXXX on the fraud team. She said she would initiate a case in the next 48 hours. She didn't know why things had not been initiated yet. Got my first letter from collections : XXXX. Had to pay them to release funds. Credit score took a hit. XXXX : Called to talk to the fraud department again since there still hadn't been any communication from them. I was transferred to debit card disputes. Spoke to XXXX who said she would send us the paperwork we were still waiting for. Said they would send it, checked out mailing address. She said she would call back in 24 hours. We never got a call or the letter they were sending. XXXX : Talked to XXXX in Fraud department. Got transferred to member claim support. XXXX told us that we weren't answering their calls and to expect a call from XXXX or XXXX prefixes. Checked with XXXX records and didn't see any calls with those prefixes. Said they would call in 24 hours. Got another letter from XXXX ( collections ). Paid them but credit score took another hit. ( sorry, I don't know the date that this letter came ) XXXX : Called debit card fraud line and was transferred to XXXX. I told her the background information. She told me that because the purchases were made by our son, they had closed our case. I asked to speak to manager. They transferred me to supervisor named XXXX. He was horrible. I really hope someone listens to the recorded call because he was rude, mean, and condescending. He told me it wasn't their problem. They would not help me. I told them that I would get a lawyer to help me get my money. He laughed at me and basically told me that I was out of luck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
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: Dates : XX/XX/2023 Amounts : {$1000.00} My friend and I booked XXXX rooms at the XXXX XXXX XXXX from XX/XX/XXXX to XXXX, 2023 ( XXXX nights in total for XXXX people ). It was only after checking in at the hotel that I realized I hadn't applied the offer ( 30 % off for XXXX+ nights ) to my hotel stay expenses. I called on XX/XX/2023, to inquire whether I could still apply the offer, but the hotel staff refused. This offer is available on the hotel 's official website and is applicable at any time of the year. I have attached it for reference. The discounted amount should be $ XXXX % = {$660.00} ( 70 % is because the coupon is 30 % off for XXXX nights stay ). In addition to not allowing us to apply the offer, the hotel also charged us extra for breakfasts. When we booked the hotel, we reserved rooms that included breakfast. When we checked out, the breakfast server also mentioned that there would be no additional charge if our room included breakfast. I have attached a screenshot of the booking confirmation that shows breakfast was included when we made the reservation ( They charged me extra $ XXXX {$84.00} ). To sum up, they should have charged me XXXX XXXX+TAX instead of {$1000.00}. I want my refund. I disputed this charge with US Bank. US Bank only hastily contacted XXXX XXXX XXXX and informed me that the offer couldn't be used after the purchase ( while it says the offer is available all year around on the hotel official website ), without providing an explanation for the breakfast charge. Therefore, I am here to complain about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02215
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX l was informed that they were instructed to commence a non-judicial foreclosure on my property. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX by the servicer U.S. Bank National Association . The underlying debt is the sole obligation of the individual ( s ) who obtained or who legally agreed to assume the loan. It states the letter should not be construed as an attempt to collect a debt from any non-obligated party, including authorized persons receiving this letter on behalf of the consumer. Then it states other things. ( see enclosed copy of letter ). Who is the individual who obtained or legally agreed to assume the loan????? The loan is not assumable. I have XXXX or XXXX in equity. My business closed do to COV-id. I have not been able to find suitable work since XXXX of XXXX. I have been jumping through hoops with the State of Idaho and haven't received a paycheck since XXXX which was not enough to pay the utilities and the house payment and a car payment. I tried to communicate with U.S. Bank and thought they were reviewing my paperwork for forbearance. Seems if you are a native XXXX, you can't get a job here. How could I owe XXXX dollars on a loan that was for XXXX in XXXX. I have paid all the penalties to the tune of XXXX dollars after my forbearance. Which now obligates me to pay HUD XXXX plus interest. If I received the letter on the XXXX, of XXXX how can I respond by the XXXX. I don't show a date when the letter was written. Today is the XXXX, and Sunday. On the XXXX I had the medical Navigator try to help me with the bank. The first person I was connected to said they received the paperwork and were reviewing it. At that time, I asked for a breakdown of the XXXX they received from XXXX XXXXXXXX from the haf program, for the 5th time. Then she kept giving me the run around this went on for at least 20 minutes. The reason I asked for help through the navigator is because this whole experience with U.S. Bank home mortgage has been a nightmare. In XXXX. I claimed bankruptcy but the house was not included in the bankruptcy. I hadn't missed a payment from XXXX to XXXX, when I was XXXX XXXX on a job. I had started this business in XXXX and at that time I realized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against a XXXX XXXX woman. That experience cost me XXXX dollars a month. So my part time job of 21 years said they would put me to work full time in XXXX. I was already at the XXXX XXXX which is the place you wanted to be to make more money. So I thought I would be okay. I was also working some hours with the XXXX XXXXXXXX. Then XX/XX/XXXX those were the first two business to shut down. I had worked it out with US Bank so I thought but as soon as I tried to get a loan to start my other business in XXXX I found out that US bank had never reported the sale of my house on my credit report. I filed a complaint with the CFPB because they had received money from Respa in XXXX when I made the payments. So they finally gave me the forbearance after the complaint. 9 months after first asking for help. Then in XXXX I was behind 3 payments and had just got divorced they said they would push the payments to the end of the loan. The next thing I knew I made an appointment with a person at the US bank on XXXX, she informed me at that time she showed 3 modifications, and I left there crying thinking I was going crazy. One modification said I personally appeared in XXXX. I have never been to XXXX Not only has this loan caused me severe physical harm but jumping through the hoops to get back to work has been one obstacle after another. I was found to be partially XXXX and didn't realize why I was having such a hard time when trying to read the paperwork associated with my mortgage it's been overwhelming it has come close to killing me and I am not exaggerating. That is why I had the Medical Navigator help me because I feel like I am stupid and that I wasn't making myself clear when asking questions and trying to get information from my servicer. Not only did they get XXXX from Hud in my name but they also received another XXXX from me for anything behind in XXXX which was in dispute also, considering the house payments at that time were only XXXX dollars. I have XXXX and it seems that stress is the motivating factor, and it has been attacking my body for over 9 months. I have plenty of equity in this house to help me through this unfortunate battle with the bank. The medical Navigator was still shaking her head when I left her office in disbelief at what had just transpired with that telephone conversation. But she had another appointment and I had already been there for an hour and a half with no resolution. She informed me at that time she understood my distress and was still shaking her head at that time. To address the letter I received from XXXX XXXX XXXX XXXX I am disputing alot of the information in the said letter I received on the XXXX Saturday, at XXXX XXXX. Trust me nobody wants me to get back to work worse than I do. I can't wait to get the glasses that were prescribed me back in XXXX which finally qualified me for services through the XXXX XXXX. I figured since my car was repossessed 2 weeks ago, I could make a house payment once I get back to work. If the stress of it all doesn't kill me first like it did my sister when she lost her house. Now I see how she couldn't get the services she needed being on XXXX and XXXX that took her life in XXXX on the 28 day which was her Grandsons, XXXX birthdays. I thought she wasn't being proactive enough, but I was wrong. Do you want to know the saddest part of all that is her and my nieces ' trailers are still sitting on the land that was supposed to be sold to the big developers that was a bad actor trying to get the property that he/she had no right to. My sister had been there for 17 years and kept the property cleaned up as part of the agreement she had with the owner. If I hadn't been in my own battle with my property maybe I would have realized how sick she was. XX/XX/XXXX was when she had to be off the property that caused her XXXX XXXX that XXXX XXXXer XXXX months later. So, my XXXX is going crazy right now. She was only 18 months older than I am. And the lawyer who almost had my property foreclosed on was her lawyer and he got her XXXX dollars for her trailer and the 17 years she was there. Pretty sad don't you think.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX recently implemented changes to data availability to third-party websites, apps, and data aggregators. Rather than allowing third-parties to scrape their data, they are instead now funneling all of that to XXXX, which was at one point their own firm that they spun off and are heavily invested in. With this change, XXXX is taking choice out of the consumer 's hands when it comes to data aggregators and forcing them to use aggregators that XXXX itself has a vested interest in seeing succeed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: XXXX XXXX opened an account without my consent or knowledge. On XX/XX/2023, I received a debit card in my home mail for a new bank account with them. I do not have any account or services with XXXX XXXX and I have never had them and I am not interested in having any account with XXXX XXXX. I want to make the claim that XXXX XXXX opened said account without my knowledge and this is identity theft on their part. Since I have never provided my personal information to XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My husband passed away I moved back with my family states away never thinking of these accounts until an old customer requested receipts from me. Upon calling XXXX and XXXX XXXX Bank. I found out that my account has been compromised all of these years. Thousands tens of thousands of fraudulent transactions have went through and I was never notified of any of the transactions or the account log in credit shows being changed. XXXX XXXX XXXX is trying to tell me that. They have an account profile with my name, address, date of birth email, and phone number with no transactions underneath it. XXXX has been dragging their feet and playing ignorant to the disputes that I am sending to them on all of these transactions that were unauthorized and not mine and have not sent me my money back..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: US Bank Relia XXXX XXXX XXXX Cardholder Services XXXX XXXX XXXX XXXX, FL XXXX My name is XXXX XXXX. I have a prepaid non-releasable debit card that expired. I can not order a replacement as I can not verify the last XXXX transactions, although I can verify everything else : name, address, card number. When I try to check the transaction history, it says I can not check an expired card and to call the number above. They refused to send me a replacement card. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A