Date Received: 2023-10-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquires on my credit report that I would like removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Commercial Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK - Commercial Banks XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80831
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For three consecutive months, fidelity Card Services ( Elan Financial services ) has consistently posted the payment later than when it was received, and charged fees ( which have been reversed after long discussions ). It insisted that it was my responsibility to get the payment there at least 3 days prior to the due date, so that they had time to process it. I have had this account or many years and this has never been a problem until recdntly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Wrongful foreclosure/sale of property XX/XX/XXXX WITH OUT RECOURSE. When the original complaint filed with CFPB FILE # XXXX XX/XX/XXXX on U.S. Bank Home Mortgage rebuttal was received. In the Beginning of the Rebuttal U.S. Bank states that when the hardest hit funds WERE RECEIVED the funds were applied to missed payments from XXXX thru XXXX. NO WAY THIS IS POSSIBLE WE LIVED IN A HOME FOR 5 YEARS AND THEY NEVER RECEIVED A PAYMENT. I'M EDUCATED ENOUGH TO BELIEVE THAT NO COURT SYSTEM WOULD AGREE WITH THIS NOR ANY GOVERNMENT AGENCY UNLESS LOOPHOLES WERE INVOLVED. IF THE JUSTICE SYSTEM IS IN AGREEMENT WITH THIS IT HAS TO BE DISCRIMINATION ON ALL PARTIES. During the period XXXX thru XXXX I was in an active XXXX XXXXXXXX bankruptcy ; The trustee is in charge of sending all payments to the creditors and in fact I was garnished for these payments. ( XXXX XXXX XXXX filed XXXX XXXX ). There were multiple Addendums as well however U.S. Bank fell to acknowledge those. During the Bankruptcy process I was dealing with an entirely different Law Firm that represented U.S. Bank they were the attorney 's that showed up to the creditors meeting for U.S. Bank and agreed with the terms for the XXXX XXXX. U.S. Bank was being paid through Bankruptcy which show I was caught up with arrearages and the payments were continuing after the discharge of the bankruptcy. I asked for the Bankruptcy to be stopped because one of the rules of the program ( XXXXXXXX XXXX XXXXXXXX ) you could not be in an active bankruptcy. I reached out to my attorney who reached out to the trustee board and advised them of this matter which is why the XXXX XXXX stopped abruptly in late XXXX. When my attorney spoke with the trustee board and advised them of {$35000.00} approval the response was astonishing. My Attorney advised me when that payment comes in you should not owe much per the trustee board this was the best route taken in my situation. This was not the case US BANK OMITTED ALL BANKRUPTCY PAYMENTS AMOUNT OF {$25000.00} AND APPLIED THE HARDEST HIT FUNDS TO THE SAME YEARS THEY WERE PAID THROUGH THE ACTIVE BANKRUPTCY. U.S BANK CLEARLY STATED THIS IN THE CFPB COMPLAINT. U.S. BANK WAS NOT TO APPLY ANY OF FUNDS FROM THE HARDEST HIT/ XXXX XXXX XXXX XXXXROGRAM TO YEARS I WAS IN AN ACTIVE XXXX XXXX HOWEVER, U.S. BANK AND CLEARLY OUTLINED IN THE REBUTTAL TO THE GOVERNMENT FILE XX/XX/XXXX THAT THE FUNDS WERE APPLIED TO XXXX PAYMENTS FROM XXXX. U.S. Bank was Notified by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX about the approval and asked amount delinquent and unpaid principal U.S. Bank responded {$4000.00} delinquent and unpaid principal amount of {$80000.00} which does not coincide with the Trustee board after the payments through the XXXX XXXX. ( PLEASE SEE ATTACHED DOCUMENTS ). HAD U.S. BANK APPLIED THE FUNDS FROM THE HARDEST HIT CORRECTLY AND NOT REPAYING THEMSELVES AGAIN FOR THE YEARS OF XXXX WHEN IN AN ACTIVE XXXX XXXXXXXX THE FUNDS WOULD HAVE BROUGHT THE UNPAID PRINCIPAL DOWN TO {$45000.00} amt U.S. bank sent to XXXX XXXX XXXX ) XXXX $ XXXX AND THIS EXCLUDES THE AMOUNT PAID THROUGH XXXX XXXX THAT HAS BEEN OMITTED. A XXXX XXXX XXXX Representative is also available to speak on my behalf. The day I signed off on the legal document for the funds for the Hardest Hit program the representative was disappointed and stated U.S. Bank is one of the hardest banks we have ever worked with when it came to this funding something seems off. Went on to say they have no idea how it is possible for me to owe this amount " the amounts does not add up ''. U.S. Bank sent a modification document dated XX/XX/XXXX XXXX different times forcing me to sign the document and was told by the representative if I did NOT sign the modification the funds would be forfeited and sent back. Fact the same individual that rebutted the government file XX/XX/XXXX provided this threatening information which is threatening and intimidating especially all I have gone through. Later down the line I found OUT that was not true. These funds were not repayable as long as the individual stayed in the home the 5 year period. U.S. Bank made sure I stayed in the home to take the home from me. please see all attached documents. 2. BEING IN AN DISCRIMINATIVE POSITION WITH U. S. BANK AND THE INFORMATION BEING BROUGHT FORWARD. U. S BANK NEED TO BE HELD LIABLE FOR THE PAIN AND SUFFERING I'VE SPENT DAYS DURING AND AFTER WORK, SCHOOL, RAISING MY FAMILY XXXX GIRLS ON MY OWN, SINGLE, XXXX WOMAN, AND MINORITY. I HAVE RECEIPTS THAT SHOW THOUSANDS HAS BEEN SPENT TO SAVE MY HOME AND U. S. BANK WILL NOT ADMIT TO WRONGDOING AND CORRECT THE MISTAKE AND MAKE THIS RIGHT. XXXX WAS THE 5 YEARS FOR THE HARDEST HIT PROGRAM AND WHAT THEY DO MADE SURE THEY FORECLOSED ON THE HOME AND TOOK IT FROM ME AFTER WRONGING ME AND THE COURTS SYSTEM. 14 YEARS THE MATH IS NOT MATHING. HARDEST HIT FUNDS SHOULD HAVE APPLIED STARTING YEAR XXXX FORWARD NOT XXXX. THIS IS DOWN OUT THIEF OF U. S. BANK AND HAD THE AUDACITY TO ADMIT TO DOING SO AND THE COURTS APPROVED IT. I ALSO CAN PROVIDE DOCUMENTS THAT HUD HAD FAILED MY LOAN HOWEVER THIS LOAN MADE IT THROUGH THE SYSTEM SOME HOW XX/XX/XXXX UPSIDE DOWN LOANS IS WHAT THEY CALL THEM. DOCUMENTS FROM XXXX XXXX XXXX XXXX XXXXXXXX, APPRAISALS OVER PROPERTY VALUE, TAXES DROPPED HOWEVER STILL BILLED HIGHER AMOUNTS, DIFFERENT FHA DOCUMENTS, DIFFERENT AMOUNTS OWED. XXXX XXXX XXXX XXXX XXXX THOUGHT I WAS PURCHASING A HOUSE ON XXXX XXXX XXXX ; THIS WAS WHEN RENT TO OWN WAS TAKING PLACE. WELL XXXX XXXX XXXX FLOODED WHILE WE THERE AND I REFUSED THIS HOME. XXXX XXXX XXXXXXXX AND LENDING DROVE ME AROUND UNTIL I FOUND XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX OHIO XXXX. A HOME ON THIS STREET WAS CHANGED FROM A 2 FAMILY TO A 1 FAMILY WHICH NOW CHANGE ADDRESSES. THAT BEING SAID THE HOME WAS A FORECLOSURE XXXX XXXX XXXXXXXX AND LENDING PAID XXXX OR LESS FOR IT. ONCE REHABBED AMOUNT FINANCED XXXX FHA TOTAL PUT DOWN {$7700.00}. THIS WAS THROUGH ALL OF THE FIRST TIME HOME BUYER PROGRAMS I SPENT DAYS TAKING AND USING VACATION TIME THIS IS ANOTHER GOVERNMENT ENTITY AFTER COURSES YOU ARE RECEIVING FUNDING FOR DOWN PAYMENT AND CLOSING CLOSE WHICH AMOUNTED TO {$4500.00}. CASH AMT PUT DOWN BY ME. {$2500.00} CLOSING CLASSES {$3000.00}, AND ADDITIONAL AMT PUT DOWN {$1500.00}. NONE OF WHICH IS RECORDED ON XXXX XXXX XXXX XXXX BUT FOUND ON XXXX XXXX XXXX DOCUMENTS. ALSO, MY ORIGINAL FHA NUMBER WAS FOR XXXX XXXX XXXX THE HOME I REFUSED TO PURCHASE. WHEN XXXX WAS CHOSEN THE FHA NUMBER NEVER CHANGED WHY WOULD 2 HOMES BE UNDER THE SAME FHA NUMBER. I ADVISED FHA OF THIS AND WAS INSURED THAT THIS IS SOMETHING THEY DO NOT DO. FHA NUMBERS ARE GIVEN FOR EACH HOME AND IF YOU DID NOT PURCHASE THAT HOME THE FHA NUMBER WAS ATTACHED TO THAT HOME IS VOIDED AND A NEW FHA APPLICATION WOULD BE COMPLETED AND A NEW NUMBER WILL BE PROVIDED FOR THE HOME THAT YOU CHOOSE. THAT'S NOT WHAT HAPPENED I HAVE PROOF OF THIS AS WELL. BOTTOM LINE SINCE XX/XX/XXXX US BANK HAS NOT BEEN HONEST AND HAS TRIED TO MAKE ME LOOSE MYSELF IN DOCUMENTATION IN HOPES OF JUST WHAT US BANK INTENDED ON DOING AND THAT IS TAKING OUR HOME LIEING ABOUT FUNDS RECEIVED FROM XXXX XXXXXXXX AND REPAYING THEMSELVES FOR THE KNOWINGLY YEARS THEY NEW I WAS IN THE XXXX XXXX THE REFUSED TO CORRECT THIS MISTAKE ON SEVERAL OCCASIONS EVEN THROUGH THE COURT SYSTEM, THE SYSTEM I THOUGHT WAS FOR RIGHT AND THEY ALLOWED THE BANK TO STILL WRONG ME. THE NEXT FILING ON US BANK IS DISCRIMINATION IT FITS ALL OF THE CHARACTERISTICS IN MULTIPLE CODES. THIS ISSUE COULD HAVE AND SHOULD HAVE BEEN RESOLVED THE FIRST CALL TO THIS BANK HOWEVER THEY CHOSE TO CONTINUE TO GO WITH THE FACT NO PAYMENTS RECEIVED YEARS XX/XX/XXXX, XXXX XXXX XXXX XXXX THE COURT ALLOWED THE LIE. WHATS MORE U.S BANK FILED THIS FORECLOSURE UNDER XXXXXXXX XXXX SPOUSE OF XXXX XXXX AND MY EX HUSBAND SIGNED OVER THE DEERS TO THIS HOME DURING THE XXXX XXXX XXXX PROCESS THIS BANK FOUND ANYWAY POSSIBLE TO SKATE BY THE COURT SYSTEM TO TAKE THE HOME ANYTIME A BANK CAN CLEARLY PUT IN BLACK AND WHITE A PAYMENT HAD NOT BEEN RECEIVED FROM XX/XX/XXXX, XXXX XX/XX/XXXX FOR 5 YEARS TO BE EXACT AND I'M STILL OCCUPYING THE HOME KEEPING IT UP, PAYING FOR REPAIRS, CUTTING GRASS MAKING SURE NO VIOLATIONS COME ABOUT FROM THE CITY , PUTTING IN NEW HOT WATER TANKS, REPAIRING CRACKS, HAVING THE STEPS REBUILT ON THE DECK ( XXXX ), HAVING TREES REMOVED THAT WAS DAMAGING TO THE UNDERGROUND FOUNDATION, AND ETC ETC, ANYONE THAT HAS A HOME KNOW EXACTLY WHAT IT TAKE. TO INSULT TO INJURY US BANK BOUGHT THE HOUSE BACK IN THE AMOUNT OF {$100000.00}. AMOUNT IN COURT WAS {$83000.00} THEY ADDED THAT THEY HAD TO PAY BACK TAXES IN EXCESS OF {$33000.00} THEY MADE SURE THAT THEY CAPITALIZED EVEN OFF RE-PURCHASING THE HOME BY LIEING ABOUT THE TAXES AND INSURANCE AS WELL. I WILL REITERATE HAD THE HARDEST HIT FUNDS HAD BEEN ALLOCATED PROPERLY THEY WOULD NOT HAVE BEEN ABLE TO CAPITALIZE ON THIS IN COURT BECAUSE BY BANKRUPTCY XXXX XXXX LAW ALL TAXES WERE PAID UNTIL THE MISS APPLYING OF HARDEST HIT FUNDS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I entered my bank branch to find out if there had been any XXXX in the hold that had been placed on my account, and what if anything I could do to access my account, as it had been placed on an indefinite hold since XX/XX/2023. At the teller 's window was a bank employee, XXXX XXXX, who, instead of helping me with my case, refused to do anything to help, berated me in front of other bank employees and customers. I asked to speak to anyone else, and he refused. When I asked to speak to his manager, he threatened to have me removed for trespassing. It was humiliating, and I left the branch feeling helpless and hopeless about how and when I would have access to my own account and money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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: I canceled XXXX room reservations through XXXX on XX/XX/23 due to illness. XXXX said they would issue a refund within XXXX hours. US Bank said it could take up to 10 days for a credit to post. I did not see a credit as of XX/XX/23 so I emailed them through their site and called customer service. Customer said they would help me challenge the charge, said they had to put me on hold to complete some work and hung up on me. As of XX/XX/23, I have not received a credit for the disputed charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/13 I was called by a US Bank number ( us bank impersonator ) ( XXXX ) regarding a fraud charge to my bank account. I was told that they would help me sort out the fraud charge which was described as a wire transfer to XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AL. I gave sensitive info as requested via us bank text messaging system ( XXXX ). I didnt have time to be on the phone so I said I will sort this out with my local bank. Fraudsters became quiet so I hung up and call my local bank asap. Later that day I found out that any phone calls to my number would be transferred to ( XXXX ). I feel as though US Bank has done nothing to try and fight this fraud case. My questions include : Why was this wire transfer not flagged? Wouldnt a wire fraud of that amount to another state seem suspicious? Why wasnt the receiving bank contact asap? What constitutes some fraud cases being refunded vs others being declined?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
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: I contacted Elan Financial Services who is managing a credit card for Fidelity Investments in XX/XX/2023 to dispute a claim with XXXX XXXX XXXX in XXXX XXXX, Florida. On XX/XX/2023, Elan Financial Services decided to not dispute the charge claiming that it was beyond a 60-day period. According to Fidelity Visa Signature Card Agreement, they state that If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. Nowhere within their Card Agreement does it state a 60-day period to dispute. When I approached them about this, they reopened the dispute on XX/XX/2023. On XX/XX/2023, Elan Financial Services stated in writing that " we are unable to assist you in resolving your dispute as you received the services represented by the transaction ''. I never received services. I am disputing a product that doesn't work. They stated to me on the phone that the matter was closed because there is a no return policy with XXXX XXXX XXXX therefore, they are closing the dispute. What is the reason? A service or product. Prior to this, XXXX ( Dispute Supervisor ) stated to me and my husband, XXXX XXXX that they will force XXXX XXXX into arbitration and that the no return policy didnt matter. I told XXXX that I have emails stating that XXXX XXXX will allow a return but for only {$2500.00} if I drop the dispute. XXXX advised me to not drop the dispute because I would not be allowed to reopen the dispute. At one point, XXXX, and XXXX ( Dispute Supervisors ) started attacking my character and were yelling at me. They made a complete 180-degree change in attitude. On a recorded line with XXXX XXXX of XXXX XXXX XXXX XXXX and myself, we together called Elan Financial Services and asked to speak with the dispute department and they refused to speak with us. We called twice. Elan Financial Services has been combative and argumentative and unwilling to look at the emails and documentation sent to me from XXXX XXXX XXXX. XXXX and XXXX ( Dispute Supervisors ) at Elan Financial Services are acting as if they never read any documentation I submitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: USBank is my mortgage holder. for the past XXXX months they have been mishandling my mortgage payments. on or about XX/XX/XXXX i received my annual escrow analysis. as I did XXXX XXXX every month I make my payment early and overpay {$200.00} to princile and direct {$30.00} XXXX to escrow. i submit a monthly check with USBANKS. payment stub. On that payment stub i directed the additional payment goes as directed. In 24 months USBank only directed the addition escrow one time XX/XX/XXXX. XX/XX/XXXX i spoke with them and they said they would rectify the problem. They did not. I have spoken with USBANK several times. they claim i have a shortage of {$1500.00}. i explained that that is ridiculous i overpay and i spoke with my city about the taxes and my isurance Co. both told me USBANKS # s are flawed and way off. I explained on advice from the city of XXXX and my insurance agency i will pay taxes and insurance directly. since they are mishandling my funds. They were rude at me. told me the way they applied the funds was better for me. told me to write a letter if i wanted to " escalate ''. my claims. So, I did and have not heard back from them. thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up for a US bank account in XX/XX/ under the XXXX bonus. I followed the 90 day requirement {$10000.00} direct deposits. Additionally, I called in XXXX to confirm that I had met all requirements. US bank should have a record of this call, as it was recorded. At that time, I was told that I met the requirements, but that they took up to 90 days to provide the bonus. It has now been more than 90 days. I called again today and was told that the bank was not going to hold to the bonus structure. While the initial fine print said that I could not have a current account or account closed within the last 12 months, it is now structured to be 24 months. I believe this changed after I initiated the account with the bonus, as I had ensured that my previous account had been closed 12 months prior. Again, when I called in XXXX, the woman confirmed that I met all criteria for the bonus. I would not have put my money into this low interest account if I had been told I would not qualify. This has lost me significantly as my other savings accounts have 4 % interest and this account has .01 %. The false advertising has cost me money over the last 6 months while US bank profited on holding my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: A credit card was opened in my name without my knowledge with dime community bank. I contacted the bank about closing the account and clearing my credit of this application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A