Date Received: 2021-06-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: When I applied " U.S. Bank Altitude Reserve Visa Infinite Card '', there was promotion : spend $ XXXX, get XXXX bonus points. But after I meet the requirement, I was told I will not have XXXX bonus since I had this card before. I did have this card before ( several years ago- I guess ), but when I applied the new one, it didn't say ( in the small letters ) I will not get bonus if I had the same card before. So I should have the XXXX bonus Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We lost our home to fire XX/XX/XXXX. The insurance funds are with US bank as our mortgage company. XX/XX/XXXX Check Received We sent all of the information they asked for and we eventually received the first draw of {$100000.00} to start the house. The frame was already up as the contractor is local and knew we were serious. Once the house was about half done, the contractor asked for another draw of aprox {$100000.00} as that would be the next draw amount. US Bank denied the funds without calling us to let us know. When I contacted them a couple of times they said it was under review. I had no way of knowing it was because they didn't have the floor plans. In the property loss draft file it showed " reviewed and valid ''. The sorry I received is just not enough anymore. I need a home for my kids. I have asked for a supervisor to call me several times and I only once got a call from a supervisor. Her name is XXXX. Now when I call and leave a message for XXXX to see where we are at, she will not return my calls. The contractor has now had to stop work as he does not have the funds to cover what was already put on the house and the rest of the supplies needed to finish. We have not been treated very good by US bank and none of this was our fault. I feel like we are being victimized again. They have all of the control of our funds and we are left to wait for them to fix their issues with communication. I have attached a copy of the flow sheet on how to request funds and if needed I have records that we have done what they have asked. It just takes time to gather. We are sad and this is starting to really take a toll on my family. The kids have had alot to deal with in this past 2 years. I have records from my boys XXXX counselor that say this drawn out process had made it worse for my XXXX year old XXXX. PLEASE TAKE THIS SERIOUS. We need to finish our house. The only reason we have not had our lawyer start anything is because we are worried about the repercussions from US Bank. We don't want to make this process any longer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 567XX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Unemployment with the State of Ohio was filed on XX/XX/2021. I opted-in for the affiliated bank to XXXX to send debit card. I was told on a few occasions that the card would be send. I received a letter in the mail on XX/XX/2021, dated XX/XX/2021, that my request would be processed XXXX almost 2 months ). The letter have erroneous information, basic information of my address. At this point, my livelihood is threatened. I communicate with the State of Ohio, and in these historic times, their stance is I must deal directly with the bank. There are funds in the account, with others to be forwarded to the account. With the neglect and sheer incompetency of this bank, their actions are causing much harm to my very delicate financial stability. I am sure ... I am not alone is this process of banks and government creating winners and losers, at an American citizen 's expense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for US. Bank mortgage but this information is inaccurate. I disputed the reporting with XXXX in addition to US. Bank. I provided a copy of my XXXX bank statement to both U.S. Bank and XXXX. I received a document from XXXX stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. U.S. Bank sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to US Bank through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both XXXX and US Bank claim. My bank statements reflect a transaction number for both payments in which USBank can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, US Bank dispute letter is my XX/XX/2018 bank statement from XXXX Credit Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am on a COVID forbearance program with my Mortgage company ( U.S. Bank ) since XX/XX/2020. The credit bureaus are supposed to be reporting that I am current. The Mortgage company ( U.S Bank ) said that being in the program will not affect my credit score. But my credit sore is being affected every month since XX/XX/2020. XXXX is reporting that Total balance on all your mortgage accounts ( s ) has increased by {$1300.00}. This change applies to the sum of all Mortgage balances. They need to stop reporting this and go back and fix all the reporting so my credit score will not be affected. Because while I am in the COVID forbearance program XXXX should be report my mortgage as current. Please contact TransUnion have them please correct this incorrect reporting. My credit report dropped XXXX points Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I spoke to XXXX in the account collections department. He told me the accounts are closed and charged off. He said that happens when we can't collect on a debt so we write it off. I asked why are the fraudulent accounts still on my report and why are you asking me to pay something in order to change the status of the two accounts. XXXX said, our system shows that " someone '' using your likeness in California attempted to use the account. He said this information is from a different department outside his pay-grade. XXXX said although you have not worked in the US since XXXX, someone obviously used your information to open this account. He said I want to help you so if you just pay something this matter will go away. I told XXXX I will not pay and any charges and use of my name, likeness or social security number is fraudulent. XXXX said they will continue to report the accounts as a negative items and will update it as such going forward unless I agree to pay something. I told XXXX absolutely not. Especially after knowing the account was listed as a charge-off and US bank still wants something. I asked how is that helping the situation when you refuse to hear my concern? XXXX said I'm only in collections. I believe what you're saying but this is my job, to try and collect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I have had my us bank reliacard I was receiving my unemployment benefits on hacked into & every time Ive called to try to resolve they tell me theyll send me an email and I need to go thru that link to reset my account but they 3 times now never send the email. I started having money taken off account but say if make a XXXX $ purchase with card really XXXX $ would come off and I would at first get all my text message notifications and when I would call an explain they would tell me that i was getting those notifications bc while a charge is pending it would notify me but the $ would be put back after it cleared it didnt make sense. Like once I had a XXXX XXXX charge made from a whole other state for like XXXX but the week before I made a XXXX XXXX purchase for XXXX I was told that was the same charge every time Id call they talked to me like I was really ignorant. I explained that my account was hacked into once before by an ex and the lady reset my account and everything was fine. It started I couldnt log into my account online or on my app no matter what I would do it would keep telling me my information was incorrect to check it but I only have 1 ss number and birthdate it didnt make sense. Im assuming its so I couldnt view my transactions. Then I ordered a replacement card that I never received but instead I received like 4-5 notices about my address change that I made but that wasnt me I have to use my dads address by I dont have 1. Then I started receiving less and less text alerts so Id call the XXXX number & every time I had to re enroll in the text messages. Then suddenly I stopped receiving them altogether. It tells me on the automated message that Im signed up to receive them but I actually dont anymore. This happened to me around XXXX. I havent been able to get anything fixed Ive actually had to almost argue with customer service by when I try to explain the situation they do nothing to help fix this its been very stressful and has caused me extreme anxiety and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : Elan Financial Services XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX I hereby request a review of my payment history, as some payments may have succeeded the 30-day grace period, only because of a past divorce matter or a slow-down of work from the Covid-19 pandemic. I have always taken great pride in my excellent credit history, and I request from your company an act of compassion and the deletion of the several previous 30-day late payment history. There were circumstances beyond my control, and I believe I should be given this one-time professional consideration. I could have requested a complete deferment on payments during the difficult pandemic period, but I chose the hard course and did my very best to get my business up to its high standards as the economy opened up for business as usual. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I was approved for UC benefits by state of PA and money was issued to me on a US Bank ReliaCard. I never received a card and when I called them, they promised to expedite me a replacement card. They did and I received it but was not able to activate it. I spoke to about 50 more representatives from US Bank in the last few weeks and was told I would never gain access to my funds because the account has been flagged as a fraud attempt and that " no one '' can contact or be contacted by the department that flagged it because of " security reasons '' so I'm " out of luck ''. This is unacceptable ... THIS is fraud! The situation with US Bank boils down to : " the state deemed you eligible for this money and they issued it to you but we are taking it and there's nothing you can do about it. '' The state tells me they issued my funds and that its a ReliaCard issue and there's nothing they can do. There has to be someone that can do something about this ... it is the very definition of theft and fraud!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A