Date Received: 2024-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Incorrectly informed as to the policy and procedure in resuming payments on the mortgage as negative credit reporting and stating that forbearance must end automatically by expiration of the applicable time period before any payments should be made or could be made to avoid delinquent status. I attempted to make payment prior to the end date of the forebearance as to mitigate any negative reporting and mitigate any potential damage only to met with a purported mandate that mortgage could not be serviced until after negative reporting would have been furnished by operation of terms. Full payment of all amounts past due would have been furnished to mitigate such damage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I need to report the US bank credit card for their balance transfer promotion. I took a $ XXXX balance transfer on my small business credit card because the US bank advertised it as a XXXX promotion for zero interest. Since my credit limit is $ XXXX, so I kept using the credit card, thinking they'd honor their promotion until 2025. It turns out that the US bank applies credit card payments to the lowest APR first. Therefore, I don't have any options to pay down my most recent purchases to avoid 26.24 % interest. In order to avoid interest charges, I need to pay down the full balance of $ XXXX ( $ XXXX transfer plus recent purchases ). It is false advertising from the US bank. How is this from a 15-month zero interest to 26.24 % just within one month? When I called, the US Bank credit card department said I signed their terms and conditions and that I should see how they apply for payments. Those pages are in small print and not in clear terms. I read their terms again, and they are just words ... without any clear meaning about how they apply for payments. I have been an accountant for 20 years, and as a number person, I think the US bank falsely advertised and treated their clients unfairly. Other credit card companies, such as XXXX XXXX, also have similar promotions. Unlike the US bank, XXXX XXXX applies payments to the highest APR first to horno their promotions. Any help to stop this false advertisement from the US bank will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: The contact information on my personal bank accounts is being changed and or added to without my consent! My question is why? Does the bank treat everyone in this manner, or just me? I've asked for this to stop for over 2 years now it's a gross invasion of privacy, discrimination and ethically wrong .I closed my checking and savings accounts over a year ago XXXX XXXX XXXX XXXX XXXX and now it's happening again XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX ... ... XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
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: In XXXX I feel for a scam that has to do with XXXX XXXX. I clicked on the top result on XXXX and filled out my form and credit card info. The fee was {$250.00}. I thought that was a bit high, but then I filled out my boyfriends form and he entered his credit card and immediately got a fraud alert from his bank XXXX. I thought that was weird. Then looked more into it. Its because it IS a fraud company. So his bank blocked the charge. US Bank didnt even warn me. XXXX XXXX costs {$100.00}. This company is just taking peoples money to apply for them, while having the passport, the drivers license, the credit card. I immediately called US Bank after it happened, and assumed it would be resolved pretty quickly as it was on a credit card too and theyre obviously a scam, especially if XXXX caught it. I waited a few weeks and saw they gave the money to the scam company. This scam company changed their business name within that 3 week period. Is that not a huge red flag? When it said why they sided with that company, its because they never received my response. I called them and of course the agent was super rude, because everyone who works here treats you like XXXX XXXX XXXXXXXX for caring about YOUR money that THEY ARE HOLDING. The agent said its because I never filled out the paper work they sent me. I never received ANY paper work in the mail. The only letter I got from them was a you lost, scam company wins letter. Seriously? Why cant this be done digitally? Because they dont want to deal with it. They want to make it as hard as possible to get YOUR money back. I am extremely fed up with US Bank, I already closed all my accounts, but this dispute thing I would like to have resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: To Consumer Finance Protection Bureau, and XXXX XXXXXXXX To whom it may concern, This is another complaint to CFPB and this is a rebuttal to USBANK from XX/XX/XXXX CFPB case number XXXX. XX/XX/XXXX. My complaint was that my husband and a lawyer went to see USBANK at XXXX XXXX XXXX, XXXX, Tennessee XXXX. The branch XXXX 's name on this date is and was XXXX XXXX. And wanted to have a sit down to discuss a payment plan for the 2 months behind on mortgage payments. They were informed that will not be seen even if they had an appointment. USBANK response on XX/XX/XXXX. Response from USBANK, in addition, we would like to apologize for not being able to set up a face-to-face mediation with us. In order for this to occur, you would have to had send your request in writing, your property must be within XXXX miles of a bank branch or servicing site, and a federal housing administrative ( FHA ) loan, your account meant none of these terms. And we meet none of these. The USBANK branch on XXXX XXXX, XXXX, XXXX, TN XXXX is exactly XXXX miles from our house. USBANK states that they have no proof that there was a miss handeling of funds to our mortgage. USBANK sent letter on XX/XX/XXXX of XXXX that {$2200.00} funds were misplaced. The reply to the escrow shortage and have been reversed and reapplied as this XX/XX/XXXX payment due to the errors on on your account, we have advanced funds in the amount of {$4800.00} on XX/XX/XXXX of XXXX and XX/XX/XXXX to bring your account current. Your suspense account is now at XXXX and payments have been applied correctly. We sincerely apologize for these errors, USBANK also states on XX/XX/XXXX, it was discovered that the terms on your modification documents were incorrect. The unpaid principal balance and note were input incorrectly, causing an incorrect payment amount on the documents. The complaint to consumer finance bureau protection about USBANK, XX/XX/XXXX. The damage to our property. The results of mold in our house have all been sent to USBANK. Which we contacted the demands from the bank for XXXX to do work to submit we requested a list of contractors they would have in this area due to trying XXXX different contractors. No one would touch our house due to USBANK not paying what is billed and being very slow and payment. USBANK when we requested this to our case XXXX and we requested the name of contractors, we were told they do not have any recommendations. I sent the entire final results from XXXX XXXX and the mold present in our house. No response, also filed complaint with TN XXXX XXXX XXXX. U.S. Bank also said they have no information of a denied modification. I am attaching the responses from U.S. Bank and the air quality report. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As a federally protected consumer per The FRCA ( Fair Credit Reporting Act ) and The Privacy Act of 1974 I am writing to you file a formal complaint regarding my consumer privacy rights on XX/XX/XXXX I sent a cease-and-desist letter to ALL the companies listed below demanding they stop the adverse furnishing of my personal nonpublic information without my written consent immediately. Disclosing a consumer non-public personal information without proper consent is illegal under federal law. XXXX5 U.S. Code 6801 : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Nonpublic personal information defined by Title 15 U.S. Code 6809 : a personally identifiable financial information provided by a consumer to a financial institution, resulting from any transaction with the consumer, or otherwise obtained by the financial institution. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions, and I am the consumer. These financial institutions never gave me a proper non-disclosure option which is illegal per 15 U.S. Code 6802 ( b ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. These financial institutions disclosed my personal nonpublic information, specifically my adverse transaction history to CRAs ( Consumer Reporting Agencies ) without the proper authorization from the consumer which is illegal. 15 U.S. Code 1681b ( a ) : also states In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with written instructions of the consumer to whom it relates. XXXX, XXXX and XXXX are the XXXX, and Im the consumer. I have never knowingly given the proper consent to any of the CRAs listed or the financial institutions listed to report my nonpublic personal information to anyone especially my transaction history. Im now opting out and any consent that I the consumer may have given whether it was written, non-written, verbal, and non-verbal to report or disclose my nonpublic personal information, specifically the adverse furnishing of my transaction history is here by revoked until further written notice from I the consumer to the CRAs listed and to the financial institutions listed. Per 17 CFR 160.7 " A consumer may exercise the right to opt out at any time. It is illegal to report transaction history. The CRAs are responsible for reporting accurate information per 15 U.S. Code 1681s-2- ( A ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have instructed the CRAs listed that they are inaccurately reporting my address, phone number, and employer. The only mailable address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. All other addresses are non-mailable and inaccurate. The actions of these companies constitute a blatant disregard for the consumers personal nonpublic information and have negatively affected my personal and public life that no dollar amount could compensate for. The opportunities I've missed due to my consumer rights being violated represent more than just personal setbacks ; they're a testament to the obstacles faced when the financial institutions and CRAs are compromised. Seems like an illogical concept to base consumer reports on loan approvals and creditworthiness by the consumers ability to pay back a bank that essentially creates the money out of thin air rather than evaluating their financial stability and assets accumulated through hard work and savings like the consumer. Not only that the consumer then battles through deceptive practices by the bank that does not operate in the consumers best interest. With daunting contacts designed to mislead ; through fine print, grammar fraud, and nonverbal agreements. Its crucial that the financial institutions and CRAs are held accountable, and they follow the standards set by the FCRA, The Privacy Act of 1974, and other federal laws put in place to protect the consumer. I'm requesting valid proof and documentation that these negative items were investigated fairly and properly. Also provide me with the system and details the CRAs uses to determine if transactions took place or not. A list of every company that my personal nonpublic information was disclosed to without my consent. I kindly request that you take this matter seriously and correct it promptly. It's important to note that it's not just my consumer rights being violated. I hope you'll also take the time to inform the CRAs and the financial institutions of the ongoing issues and the damage it does to the consumer when operating with no integrity. Enclosed are my cease-and-desist letters addressed to each consumer reporting agency, financial institution, and other furnishing companies. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Documentation I requested under RESPA The Payment History, the Account Ledger showing 101 monthly payments of {$790.00} collected by servicer US Bank National from XX/XX/XXXX to XX/XX/XXXX, has not been provided to me yet. I am entitled to the information and the servicer will not give it to me. I have been asking US Bank for this information for 2 years now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Discrepancies exist between awards accounting in the mobile app compared to the online system. The mobile app shows returns as a negative number. Online shows returns as a positive number yet the result in both systems is the same. It appears from the conversations I had with the bank that they don't care ( quoted from customer service rep ) that the mobile app acoounting is incorrect. I find it unacceptable that a bank does not care if accounting is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a victim to an employment fraud scheme where the scammers impersonated a legitimate company and conducted a phone interview using the names of real employees. Subsequently, they offered me a job and requested that I purchase necessary equipment, assuring me that they would reimburse the funds. I transferred a total of {$4800.00} to them via XXXX through US Bank. My realization that this was a scam occurred when I contacted the legitimate company, XXXX XXXX, to verify my employment status. Upon discovering the fraud, I immediately contacted US Bank within 24 hours of initiating the transactions. Despite my persistent calls to inquire about the status, I was repeatedly told to be patient. After a two-week wait, I was informed that my dispute claims had been denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: US bank has indicated that I have charged off checking account from 2023. This was not opened by me and is fraud. I have submitted a FTC identity theft pertaining to this ID theft and have attached it to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A