U.S. BANCORP

2019-08-22

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Staten Island, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I got a letter in the mail today which is XX/XX/2019 saying I had requested a US Bank card dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX, XXXX and XXXX XXXX If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. I went to look at my XXXX XXXX where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call XXXX and XXXX. I came on here so I can talk to all parties Involved and get this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

MA

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: US Bank is selling my home ( XXXX XXXX XXXX, XXXX, MA, XXXX ) via an auction on the XXXX of XXXX, according to a letter I received from the Bank. They called me today to say that they will address my concerns via a letter which will be received by the XXXX of XXXX. I asked if they were still planning to auction off my home, as I am on the title and paid the down payment. I am not on the mortgage, according to the representative, so they could not speak with me about this foreclosure sale. The person who called me gave me the following number - XXXX. My name has appeared in the newspaper under the foreclosure of this home, damaging my professional reputation. This is disparagement, and appears to be fraud. The bank refuses to speak with me despite a court order signed by co-owner XXXX XXXX authorizing them to speak with me. The person on the note is XXXX XXXX XXXX, and his attorney is NY attorney XXXX XXXX. I believe that there are fraudulent documents involved in this case. XXXX XXXX was also ordered by the court in XXXX to pay a portion of the mortgage, which he did not do, despite having the funds to pay. This is a case of financial abuse by US Bank, XXXX XXXX, and attorney XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Tarzana, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2019 I deposited a check that was issued to me by a friend in the amount of $XXXX. The account was put on hold for suspected fraud. The funds cleared but were still held. I had the issuer of the check (my friend) speak with the branch and was wondering why they deducted the money from his account but didnt pay who he wrote the check to(myself). The bank had said that they were going to hold the money no more than 11 days. It is now almost one month later and they still are not releasing my money. They informed me that they would be closing my account because there was a bounced check from the same check issuer (my friend). and they decided that was too much negative activity for such a new account. However, they continue to hold on to the money and not send a check like they said they would do. The account remains open, it has a positive balance of $XXXX. On XX/XX/2019, however, they did release to me $XXXX because I told them that I was having a problem and needed at least that amount. So again, the account remains open, i'm unable to spend the money that is in the account and they are just holding onto it. I told them I needed to pay my rend and pay other bills and that them holding my money was causing many problems for me. I'm now about to lose my apartment because I'm not able to pay the rent. I have defaulted on my utilities and power is about to be turned off. I cannot believe they are doing this to me and how is it they are allowed to do this to me? This must be against some law. The is all happened at the US bank in XXXX, CA (XXXX Branch). the address is XXXX XXXX XXXX. XXXX, CA XXXX. The manager who opened my account and placed the hold on my account is XXXX. I have asked her to get me in touch with someone who I can resolve this matter with and she tells me that it is all decided from an office that I'm not allowed to speak with and am just given a number to call. When I call this number, the end result always is to contact the branch. So it's this circle Im having to be in and it just keeps going around and around and no one can answer me anything other than :your account will be closed and we will mail you a check:. But it never happens and is not happening as the account is still open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Lb, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I send a two certified letters requesting Validation of this account. First letter XXXX XXXX, 2019, No response. To Whom It May Concern:This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau{s}, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} that your claim is disputed and validation is requested.This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:• What the money you say I owe is for:• Provide me with copies of any papers that show I agreed to pay what you say I owe.• Identify the original creditor:• Show me that you are licensed to collect in my state: California• Provide me with your license numbers and Registered Agent or Agent of Service: If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information.Best Regards,XXXX XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

NE

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: On XX/XX/2019 I saw a deal for a XXXX XXXX bundle for {$320.00} and made a purchase of for a total of {$330.00} from XXXX. I was prompted to us XXXX XXXX transfer for my purchase which I ended doing because it was a company affiliated with my Bank, US Bank, and a large number of other notable banks which made me think this process wasn't risky like giving your credit card out online for example. Right after I realized I had been scammed, I initially tried to request the money back through XXXX which ended with the seller declining my request a few days later after they had deleted the site. Also a day or so after I made the request, I called XXXX to see what they could do, but I only got a recorded response to go seek out my Bank which I ended up doing. I contacted my US Bank to see what they can do to help me, and was told to file a fraud dispute in which I explained what had happened and stressed the fact that I had been scammed and actions needed to be taken quickly before what I feared would happen would happen. I did not get a response back from US Bank until it was too late and over a week later the site had closed and disappeared from existence. I later got a letter with a line that read : My dispute has been dropped due to the seller receiving payment., which I read as saying my dispute has been dropped because the scammer collected the money. I tried calling US Bank for clarity and was told that the fraud dispute was declined because XXXX declined the request to get the money back. I was also told that this type of occurrence/scam is very common, and they hear a multitude of complaints regarding this problem and that there is nothing I can do to get my money back. Why is this a problem US Bank and XXXX has? If this is a common occurrence, and many people are troubled by it, why isn't anything being done to prevent it. By not fixing the problem, the two companies are essentially leaving the door open for scammers to utilize this method. If its broken fix it which is something not being done since all they have in place is a are you sure you want to make this transfer pop up. When you type in XXXX scam or XXXX fraud into the XXXX search engine you will find several articles about XXXX scams and nowhere will you find info from XXXX regarding scams and fraud, something that should be there base on the type of business being conducted. Why is XXXX not approaching the topic of scams and fraud when it is their company that is being exploited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Washington, DC

Trouble during payment process

Mortgage: FHA mortgage

Complaint: Switched insurance carriers. Despite several requests for and promises from US Bank to send payment from my escrow account, they have not done so and now my insurance account is in default.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Mount Holly, OH

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem canceling credit monitoring or identify theft protection service
Complaint: we have contacted us bank concerning this problem. but they keep ignoring my pleas aboute the debit transactions being levied agaisnt me and account we have told them it was not our fault for these " overdraft '' fees we get social security payments?? and can not afford these overdraft fees. thes add up quitk-ly this is the second time this has happened we want all fees returned too my accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ohio
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Mdn, MS

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Lenoir City, TN

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Tucson, AZ

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Turlock, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Willingboro, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Temperanceville, VA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Delay in processing application
Complaint: Elan Financial Services sent a request to have a client take a photo of herself on her mobile device BEFORE they would decision her request for a credit card she applied for online. This seems to be in direct violation of reg B and overt discrimination. Why does a creditor need a picture of you before deciding if they will extend credit to you? Are they looking to see what race, gender and nationality you are before they give you a credit card?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-21

Guadalupe, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-08-21

Columbus, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-20

Downers Grove, IL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Gardnerville, NV

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Can't stop withdrawals from your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Canoga Park, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Epworth Heights, OH

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Dallas, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anything I am attaching a list of companys that hit my credit some even hit twice in 1 day I am looking for the prove where I gave them permission to run my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Deland, FL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

MI

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-20

OR

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: Company closed my account after stating that I was using an invalid address. After speaking with a representative of the company, I was told that while I had updated my address ONLINE, through the bank's online portal, that this had not updated my address within the bank's records. So, according to the bank, the address for my online identity was current, however, the address for the credit card account attached to this identity was out of date. I only use this online portal to access the one credit card, for which I receive paperless statements. All of my interaction with this company is online, and I updated my address two years ago, when I moved from XXXX to XXXX. I applied for a new credit card with the same company, however, the new credit limit is less than half of the old one, because (of course) the bank reported my account closure to the credit reporting agencies, and this closure (with a balance) has lowered my credit rating. I confirmed with an agent of the bank that there was no way for me to know that the address I had updated only effected my online identity and that there was no other means for me to update my address, or to know that my address was not current. I spoke with representatives at two bank locations, both of whom were defensive and dismissive, while also insisting on their utter inability to help me, whether they wanted to or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response