Date Received: 2021-04-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am disputing and arguing the late payments that are being reported with this account on my credit report. I am really good at keeping track of my records and my credit has been perfect with the exception of these late payments that are falsely being reported. There is no way that I was 30 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. How can I have been late 5 times?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2021 my US bank account was officially closed due to a flagged bank transfer from my daughter that was flagged. I was told the funds from the failed bank transfer would be transferred back to the original sender before my account is fully closed. The original sender still have not received the returned funds and my account has been officially closed for over 2 weeks now. I was told in writing that the funds would be sent back as soon as my account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, Elan Financial Services/ XXXX XXXX , XXXX , and XXXX to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both XXXX and XXXX have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. Best, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have be unable to activate my USBank unemployment befits debit card XXXX XXXX XXXX USBank claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the XXXX XXXX XXXX and complied with further instruction from USBank but my card has still not been activated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have be unable to activate my XXXX unemployment befits debit card ( Reliacard ). XXXX claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the Better Business Bureau and complied with further instruction from XXXX but my card has still not been activated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Close to XX/XX/2021 I opened a dispute for a ACH transaction. I received a letter in the mail and is more than 10 days and I havent received temporary credits for the transaction and overdraft fees charged by US Bank. I called again and they said that they are going to reopen the dispute, I dont understand why I have to reopen a dispute that was opened before. Now I see a transaction for {$360.00} with a name of Forced Post ACH, I dont understand what is this transaction for, I havent provide that information to anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had no late payments for any of my credit cards, for this US bank card, zero late payments, yes my balance drastically went up in XXXX because of COVID-19, but still never a late payment. When I did get the extra money, I paid it completely off in late XX/XX/XXXX, {$6000.00}. When I used it in XX/XX/XXXX for work, a big purchase, it was declined. Finally got on the phone to speak to them, and they lowered my limit from {$6000.00} to {$700.00}! And that i was over my credit limit. This has greatly affected my credit utilization from 66 % to 97 % and even though I have excellent payment history, I now have horrible credit! I would completely understand if someone were a deadbeat and not paying bill on time regularly and you penalize them with a rate increase and decreased credit limit ... but this is crazy. Lowering credit limit based on other reporting credit score that doesn't take into consideration issuer credit history is not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95831
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We requested an equity line of credit from US Bank in 2011. Instead they sent us a check for the amount of the credit line. We immediately returned the money to the bank, informed the bank of the error and requested for the account to be closed. We were made to believe that this has been done. About a year ago US Bank started sending us bills saying we owed them service fees for the past ten years because they never closed the account. The records clearly show that the money was never touched, we never used any credit and there were never any transactions on the account. For the past year US Bank has been giving us false promises of closing the account and zeroing out the fees and bounding us from person to person, hanging up on us, etc. This is an extortion attempt by the US Bank and is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: the money that was in the saving account XXXX was closed XX/XX/2021 due to irregular activities, due to back pay per week with PUA, I received it in one lump sum but paid out different weeks in XXXX. but the money was not returned to the sender or a cashier check sent to me. US Bank took the money from the savings closed and then placed the money in a GENERAL XXXX account without telling me. i had to call fraud and the branch manager and they both stated they don't know how to get the money out the account. SO WHEN WILL THE MONEY BE RETURNED?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: spoke w/CS Rep XXXX XX/XX/XXXX about XXXX XXXX : Second time I have contacted XXXX. ( Also twice had contacted XXXX of XXXX, ND. ) Received letter in mail from XXXX that my APR would be increased from 9.99 % to 14.49 % starting XX/XX/XXXX on Purchases. Reasons for bad review were four from XXXX, and, as I understand the words of the standards, all did not apply to my account. For years I have had one account, and I was now informed, 1-I have too few accounts currently paid as agreed ( I am told monthly that I only owe payments of $ 40- {$60.00}, yet I pay $ XXXX- {$400.00}. XXXX, itself, showed that all my months from XXXX XXXX to XXXX XXXX were " OK '' with this method used. ) 2-There is a lack of recent installment loan information : I do not use the credit card for any loans. It has been most heavily used for car repairs on a XXXX XXXX, which is now becoming VERY expensive junk. 3-Too many accounts with balances : XXXX said she saw only one account, XXXX, and no others. How can there be many accounts with balances, unless they belong to someone else? 4-Ratio of balances to credit limits on revolving accounts is too high : This one I was not sure of, but, since the information of XX/XX/XXXX used a credit score of XXXX, and it was used as a XXXX FICO XXXX Bankcard Risk Score, and XXXX informed me that the bad review was based on the date and version of my Credit Bureau report, and risk scores can be from 300-850, I am contesting this because XXXX gave me a credit score of XXXX on XX/XX/XXXX, which it labels as " Exceptional. '' I have had no bankruptcies, no late payments, no collections, and 100 % on-time payments, according to XXXX. Now, with this false evaluation from XXXX and XXXX, I am informed I have to wait six months for another review! That means the bank will rob me for six months!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A