Consumer Complaints: U.s. Bank National Association

US Bank and XXXX have continued reporting an inaccurate and unauthorized tradeline on my credit report. Despite my repeated disputes over several years and the fact that this tradeline was included in an identity theft report filed with the FTC, US Bank and XXXX have failed to delete this harmful entry from my credit report.

XXXX and XXXX have already recognized the inaccuracies and removed the tradeline from my reports. However, US Bank and XXXX have neglected to take the necessary action, causing ongoing harm to my credit profile.

Charge off accounts are considered, certificates of indebtedness, pursuant to I.R.S publication 4681 and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974.

The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy.
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information.
Requires notice : Agencies must notify the public of their record systems.
Requires consent : Agencies can not disclose an individual 's record without their written consent.
Provides access : Individuals can request access to and changes to their records.

Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in chapter XXXX applies.

No narrative provided by consumer.

I filed chapter XXXX bankruptcy in XXXX. The bankruptcy was in it final month, when the attorney filed another chapter XXXX bankruptcy in XXXX. The attorney bailed on me and the judge closed and charged off the remaing balance. Closed my case in XXXX of XXXX.
Now U.S. bank is stating I still owe them money. I have sent them copies of the documents stating that the loan is paid in full by the court. So far they are refusing the paperwork. They sent my former attorney a copy of the original paperwork from XXXX.
How do I get the bank to realize the truth from the judge?

On XX/XX/2024 I called US Bank because I heard reports that switching XXXX XXXX would cause the points to be lost. The rep assured me and also got assurance from her manager that my points would not be lost and would show when my statement closed. The statement closed and it said I had XXXX points when I was suppose to have XXXX points after reaching the new account signup bonus plus all the purchases I made last statement cycle. My conversation was recording assuring these points would not be lost from employee and manager.

XXXX XXXX XXXXXXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX XXXX XXXXXXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for roughly 1 year and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accoundable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.

I called in to see why a payment had not been released. I was questioned after i said I was XXXX XXXX the person said ohh you are fcalling on behalf on XXXX XXXX, i stated no i am XXXX XXXX. then i was transferred to XXXX who refused to release my payment. She said she had permission XXXX minutes into the call and its now XXXX minutes into the call and she has refused to transfer me to a supervisor and has still not released my payment.

Dear Customer Service Department of US Bank, I am a loyal customer of your bank, but I must write this letter to express my disappointment and confusion. Recently, I discovered that my credit card account has been closed without any prior notification or explanation. This sudden closure has caused me significant inconvenience and distress. Here are the details of my credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the opening of this account, I have always complied with all the bank 's policies and regulations, and have never engaged in any suspicious or unlawful transactions. Therefore, I was shocked and disappointed to learn about the closure of my account. As a customer, I believe I am entitled to know the specific reasons for the closure, yet I have not received any explanation or detailed clarification so far. The closure of my account has not only adversely affected my financial situation and credit record but has also disrupted my scheduled payments and automatic transfers, causing significant inconvenience in my personal and professional life. I fail to understand why such action was taken by the bank without a clear reason, causing distress to both me and my family. Therefore, I strongly request that US Bank immediately reinstates my credit card account and provides a detailed explanation for the closure. Additionally, I urge the bank to conduct an internal review of its procedures to prevent similar incidents from occurring in the future and to uphold customer trust and the bank 's reputation. I have always been satisfied with the service provided by US Bank, and I hope that this matter can be promptly resolved to restore my confidence and support in your services. Thank you for taking the time to read my complaint letter. I look forward to receiving your prompt response and resolution to this issue. Yours sincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments Hide full complaint What product or service is your complaint about? PRODUCT OR SERVICE Biz Checking account TYPE General-purpose biz checking account What type of problem are you having? Inactive modal Issue Closing your account Have you already tried to fix this problem with the company? No Type of Issue Company closed your account What happened? Dear Customer Service Department of US Bank, I am a loyal customer of your bank, but I must write this letter to express my disappointment and confusion. Recently, I discovered that my credit card account has been closed without any prior notification or explanation. This sudden closure has caused me significant inconvenience and distress. Here are the details of my credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the opening of this account, I have always complied with all the bank 's policies and regulations, and have never engaged in any suspicious or unlawful transactions. Therefore, I was shocked and disappointed to learn about the closure of my account. As a customer, I believe I am entitled to know the specific reasons for the closure, yet I have not received any explanation or detailed clarification so far. The closure of my account has not only adversely affected my financial situation and credit record but has also disrupted my scheduled payments and automatic transfers, causing significant inconvenience in my personal and professional life. I fail to understand why such action was taken by the bank without a clear reason, causing distress to both me and my family. Therefore, I strongly request that US Bank immediately reinstates my credit card account and provides a detailed explanation for the closure. Additionally, I urge the bank to conduct an internal review of its procedures to prevent similar incidents from occurring in the future and to uphold customer trust and the bank 's reputation. I have always been satisfied with the service provided by US Bank, and I hope that this matter can be promptly resolved to restore my confidence and support in your services. Thank you for taking the time to read my complaint letter. I look forward to receiving your prompt response and resolution to this issueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

No narrative provided by consumer.

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.

My boss XXXX and I did work for customer when they wrote me a check us bank closed and kept my wages for 2 years now

USBank collection company representing this bank is calling my family and myself, threatening to garnishment my check for my job. The information is completely different from my personal information, name that I never had. They claimed over {$3000.00} from XXXX. Scams are controlling our life our future. My personal information had been compromised.

My monthly home mortgage rate has been ~ {$6200.00} since we purchased our home in XX/XX/year>. Last year, our bike was stolen from the front of our house and we had a minor theft reported while travelling. Both were reported to home insurance. Because of that, my home insurance ( XXXX XXXX XXXX ) declined to renew our coverage last XXXX. My mortgage servicer, US Bank, claims they tried to inform me of this change via mail. When told that I never received any notification, and upon being asked to show proof they tried to communicate with me via email or phone ( my preferred method of communication and the way they communicate with me for all other reasons ), neither they nor XXXX were able to show me any proof.

As a result of my home insurance being cancelled, US Bank then elected to sign me up for their own home
insurance plan, which was roughly 4.5x the cost of my previous plan ( {$800.00} per month, instead of {$160.00} per month ) per. BUT, they did not actually start charging me this on a monthly basis until XXXX, when my escrow was fully depleted and they conducted a new escrow analysis. XXXX Bank did not provide explanation for why they waited this long to conduct a new escrow analysis, which does not make sense since they knew my escrow would quickly be exhausted by the new plan.

In XXXX, my monthly mortgage payment suddenly jumped from ~ {$6200.00} to ~ {$7800.00}. As soon as I discovered why, I changed my insurance that day to another XXXX plan for {$220.00} a month, nearly {$600.00} cheaper than the plan US Bank forced me to sign up for. And because I didn't find out about it until XXXX, I accrued nearly XXXX XXXX in extra expenses, that US Bank is now charging me for to catch up to my old account.

US Bank acknowledges I never consented to the higher rate, and would not provide any proof it tried to contact me via email, despite acknowledging that is how I elected to receive notification. US Bank also refused to provide any reimbursement, despite no claims being filed
on my home during this period. XXXX also did not provide me any explanation as to why they did not communicate with me via email, despite using email for all other communication up to that point ( including sharing my policy with me when I first signed up ).

I find this practice highly misleading and unfair - I never knew about my insurance cancellation, no one tried to contact me via email or phone, and they signed me up for a much more expensive plan without my consent th
at cost me nearly XXXX XXXX

On or about XXXX XXXX XXXX applied for US Bank Business credit card based on the invitation that I received. I was suppose to get my credit card by XXXX XX/XX/year>- which i never got it. I called and chatted and I was told that it might take 7-10 days and I can figure out that these folks have no clues in terms of what they are talking about?
I asked for tracking #- they had-no tracking #. I was told to ask a specific phone # which i called on XXXX XX/XX/year>. They ordered a replacement card with expedited shipping and assured of tracking # will be available next day.
Well there is no tracking # at all.

On XXXX XX/XX/year>, called US Bank once again and talked to XXXX Confirmation # of the complaint is XXXX I really needed this card well in time.

The problem with this US Bank- too big, too ill managed, too fragmented and absolutely no accountability or ownership.
This bank should be broken down into more manegable pieces so that it can be managed properly Moreover they are very dishonest or non transparent. Most of the jobs in XXXX- they are not doing any fair hiring- mostly cheap XXXX workers are hired who are not good.

No narrative provided by consumer.

On XX/XX/year> I went to the XXXX. They only allow DEBIT card transactions. They Charge a {$3.00} surcharge on my debit card. I thought visa debit/prepaid cards can not be charged surcharges. On my account it says the ATM withdrawal was {$23.00} then I had a surcharge for {$2.00} on my card from my bank that was reinstated. The problem is that at the ATM aka me checking out at the XXXX I only was paying {$20.00} and they added the {$3.00} surcharge ( thats why it says I took out {$23.00} and not just {$20.00} ). On the receipt it says I paid {$20.00} and there was a {$3.00} surcharge. My full total that day was {$41.00} but I paid {$11.00} in cash, {$10.00} in rewards points, then was charging the remaining {$20.00} on my debit card and the company added the {$3.00} surcharge on my receipt. So not just was I surcharged on my visa debit card but the surchage was well over 3 %. Even if my total was {$50.00}, 3 % of that would only be {$1.00}. I was wondering if this is legal or allowed? I thought that visa debit cards and prepaid cards can not be surcharged and can not be charged more than 3 % of the total.

Us bank said that I deposited and cashed a check. I did not physically do anything. Again, I am in jail fighting for my rights. They also said they listened to a representative on the phone and they acted accordingly. That is a lie because I did not physically speak to anyone at US bank either. Us bank needs to prove the check belonged to me and made out to me and that I cashed it. They also need to provide me with transcripts of the conversation they claimed they had between me and a representative. Again, us bank is in violation of my rights and needs to remove me from XXXX XXXX. You need to investigate who actually sent the check. Thank you.

I opened a XXXX account XXXX weeks ago. I successfully transferred {$400.00} into the account via their application. The next day I attempted to do the same thing for {$550.00} from my U.S. Bank account via their chime app, but I did not know that U.S. Bank had put a hold on my U.S. Bank account due to fraudulent activity via XXXX. US Bank had subsequently closed my U.S. Bank account so the transfer could not happen, U.S. Bank account had been closed. The XXXX transfer never happened. There was no record of the XXXX transfer ever happened. I have provided documentation that the bank account was closed and that the transfer couldve never happened because the account was closed. I was unaware that the account was on hold when I placed That transfer. Chime is refusing to accept my documentation and release my money or close my account at my request

No narrative provided by consumer.

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/year>. One on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history. from my bank transaction list.

In addition this matter caused my limit to be dramatically reduced from {$4500.00} to {$500.00}. The low limit results in me rarely using this credit card.