Date Received: 2023-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and US Bank in order to get the issues cleared up. US Bank has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, US Bank seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet US Bank ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I was charged {$1700.00} on my Fidelity Visa card from Elan Financial for an install of carpet on XXXX. When they installed the carpet, my home was damaged. I disputed this with my credit card company. I resolved this myself with XXXX XXXX. They were going to credit me the {$1700.00} and charge me {$1400.00} the price I agreed to pay. When I notified my credit card company and told them I worked it out they just added back the {$1700.00} and charged me the {$1400.00} also. When I called them they told me just wait for the credit. It never came. I paid the new account charge ( that was correct ) and every other charge I made. I called and called they would not dispute the {$1700.00} again, they told me XXXX was lying to me. I should not be liable for a duplicate charge. I have the copy of on XXXX of the form XXXX sent to XXXX payments attn : chargeback department accepting liability for the {$1700.00}. XXXX never received XXXX payments, I never received a credit. They have now sent this plus rediculous fees and late charges to collections! In XXXX of last year I drove to XXXX XXXX and did a three way call with my Visa customer service, the bookkeeper at XXXX and XXXX XXXX XXXX processor. They could not explain why XXXX did not receive payment or why I did not get the credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank, my mortgage lender, assessed me a late fee of {$75.00} for a " missed payment '' even though my mortgage payment was made and on time. My mortgage payment was a set amount then US Bank raised my escrow amount to be collected monthly by {$57.00} on XXXX of this year ( the 2nd time in a year ). They claim a letter was sent out to me explaining the increase but I never received it. I live in XXXX and am lucky I receive any mail at all. I had this very same issue happen twice before over the years with US Bank when they changed my monthly payments to reflect an increase in escrows collected. In those cases it was the same circumstances, my monthly payments were made on time but short of the amount of the new escrows increases. Those increases were less than {$100.00} each time. They did reverse those late fees then but will not now do so now due to " policy '' per XXXX, who claimed to be management in their mortgage department in XXXX XXXX, Missouri. She explained that they sent a letter explaining the increase and wouldn't budge on reversing the late fee. My payment was on time, but did not have the additional {$57.00} added to it. They accepted my payments then didn't apply it to my account. They say the payment is incomplete and and as result, none the money sent is applied as a payment. Instead of notifying me by alternate means of the escrow changes and of the increase to monthly payments, they impose fees first and notify you that you owe late fees. No effort to contact their customers that perhaps their customers didn't receive notice, they just impose late fees instead. Obviously if a customer is paying their mortgage payments on time and at a set amount then suddenly aren't making the new adjusted payments, they didn't receive notice of the changes. To add injury to insult, I inadvertently made a double payment and instead of applying those extra funds to the short payment, they took those extra funds and applied them as payment to the principal balance. I made a double payment and am now being charged a late fee, how ridiculous. These policies and practices need to be stopped! It's predatory and unfair. I intend to take my future business elsewhere. If cost effective, I intend to get this mortgage taken over by another lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: A {$30.00} annual fee was withdrawn from my US Bank Traditional IRA account on XX/XX/XXXX. Opened the account in XXXX and never had this fee deducted before. Several attempts we communicated with the bank to have the fee reversed and I never received notice that the fee would be deducted from my account. I even set up a phone appointment with bank on XX/XX/XXXX, but bank never returned my call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92260
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing to express my deep dissatisfaction with the handling of my mortgage account by US Bank. Over the past several weeks, I have encountered significant challenges and delays in the removal of an informal forbearance that I had previously requested. This matter has not only caused undue stress and frustration but has also placed me in a compromising situation as I am pursuing a home equity line of credit with another lender. Several months ago, I initiated an informal forbearance with US Bank due to unforeseen financial difficulties. However, when my situation improved, I promptly submitted a written request to have the forbearance status removed from my account. Despite multiple requests and assurances from US Bank representatives, this process has been egregiously mishandled. I have consistently been told that the removal was " in process '' and that it would take 3-5 days to finalize. Regrettably, this timeline has repeatedly proven to be inaccurate, and the requested removal has not been executed as promised. As I am currently in the process of obtaining a home equity loan from another lender, the presence of the forbearance status on my account is causing detrimental delays and potential financial repercussions. I have made every effort to comply with the requirements of the home equity loan application, including bringing my mortgage account current. Despite these efforts, the fact that US Bank has not removed the forbearance status is impeding my progress and jeopardizing my chances of securing the loan. The continued mishandling of my request and the subsequent delays have caused me to lose confidence in US Bank 's ability to manage my mortgage account effectively. I am perplexed by the persistent delays and lack of accountability on the part of the bank. It is disheartening to have to invest my valuable time and resources in multiple follow-up calls and requests for a seemingly straightforward matter. Moreover, the prolonged nature of this issue is now putting me at risk of losing the opportunity to secure the home equity loan I am pursuing. This potential loss would not only disrupt my financial plans but also result in additional charges and fees. I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that US Bank promptly removes the forbearance status from my account and provides me with the necessary documentation, such as the requested exit letter. I believe that the bank 's handling of this issue is both unreasonable and detrimental to my financial well-being. I appreciate your attention to this matter and look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX if further information is required. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
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: XXXX sold a defective product that was falsely advertised with respecting to the listing on XXXX 's page. Then, XXXX took the following actions : XXXX. XXXX 's customer service agent XXXX promised that the refund would be processed for this item to the original form of payment. " Please don't worry. '' " You will get the refund. '' " In your original payment method. '' 2. The website also assured that the " refund has been issued '' and that " A refund will appear on [ my ] bank account or credit card statement within the next 7 days. '' None was received on my Fidelity credit card statement. Please note that these two pieces of evidence of Amazon 's actions towards to the customer were submitted as evidence at the beginning of the Fidelity dispute investigation process and have also been attached here to this CFPB complain. I then contacted Fidelity, who was negligent in investigating the case. Fidelity sided with the merchant citing the merchant 's return policy. Per that described above, the merchant deliberately prevented the customer from following the merchant 's return policy by lying to the customer, which was communicated to Fidelity multiple times. Fidelity was provided all of this documentation but was negligent in investigating the claim and, in fact, incorrectly investigated the claim. Moreover, the Fidelity case processor working on the case did not return callback requests that their customer service agents had put in for the case processor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/2023 I opened XXXX business checking accounts with XXXX XXXX XXXX XXXX XXXX city XXXX. I used a promo code to get {$750.00} per account with a deposit of {$15000.00} per account. I deposited the $ XXXX in each account at the time of opening the account. The terms were stated and verified by XXXX that the $ XXXX sit there for 60 days and the {$750.00} promo would be deposited within 45 days after the stated 60 day promo period. The 105 days has passed at this time and I have been getting the run around from the XXXX # .. And XXXX has failed to response to me. Today XXXX reached out and stated that I was not getting the promo because I never used online banking. XXXX attempted to open my online banking the day of account opening and failed to get it opened. I was never told this was a term but I do have an online account that I have used. He is now stating I have a personal online account and not a business online account. I have no personal accounts with US Bank, so I have no idea how I could only have a personal online account as my business accounts are the only accounts listed on my online profile. I am owed {$2200.00} dollars from US Bank and they are stating they are not going to pay me. My {$45000.00} dollars has been tied up for over 105 days to get this promo and they are not following through with what was promised by XXXX at the beginning of XX/XX/2023 when opening the accounts. I need my {$2200.00} promo ASAP as it is over the 105 days stated that was the XXXX time before being paid the XXXX. XXXX XXXX can be reached at XXXX. He is a liar and failed to provide what was promised in XXXX at account opening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43302
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Previous Complaint number that I've filed with you and you closed because US Bank stated they were returning my money they owe my via a Cashiers Check, and when I called today, they still have NOT closed my account or returned my money that is owed to me. The CSR states they can't contact the Fraud department for details. This has started over a month ago! I really need my money returned to me ASAP. The previous case number is filed with you is - XXXX See complaint below : I have 2 banks I bank with. 1. XXXX XXXX 2. US Bank I deposited a mobile check for {$1000.00} to XXXX XXXX on XX/XX/XXXX, it sent me a message on XX/XX/XXXX after mobile deposit that it was rejected due to the date being incorrect. My client had accidentally put the date as XXXX. She corrected and initialed it, so I redeposited the same day and it rejected again. ( I have proof of this on my mobile banking app from XXXX XXXX. So, since it rejected twice at XXXX XXXX, I decided to go ahead and mobile deposit it at US Bank, which accepted it. However, Unbeknownst to me, on XX/XX/XXXX XXXX went ahead and accepted it, so they deposited it into my account. I of course had already also deposited it into US Bank on XX/XX/XXXX since XXXX showed they rejected it. US Bank, then debited it from my account since it cleared through XXXX XXXX. Which I am totally fine with. I had enough XX/XX/XXXX, XXXX XXXX Complaint Detail https : XXXX XXXX XXXXXXXX XXXX money in my account so it didn't go negative. I believe my balance AFTER the {$1000.00} deduction was at {$3900.00} in my business account. Which, I was closing since I know longer have that business. I had opened a personal checking and savings with US Bank, and was trying to transfer my business balance into my new checking via XXXX. Next thing I know, my account was frozen by US Bank and in the Fraud department on XX/XX/XXXX. That department which you can only reach through phone, would not give my any information and I was told there was no time frame on which they had to return my money or and that they also had the discretion to not return any! So, I went into the local branch and spoke to the Branch Manager, who was very helpful, I showed him All of my documents showing how XXXX XXXX rejected my deposit twice, but then 2 days later accepted it. He emailed the fraud department asking for the hold to be removed on XX/XX/XXXX ( the same date I went in to see him ). He called me on XX/XX/XXXX, saying that unfortunately the fraud department rejected his request and they'd be closing out my account and sending me a check in a few days ( I saved this voicemail ), so then I emailed him on XX/XX/XXXX asking if he could please provide me with an ETA, he said he contacted them again via email, and they told him what they told me, they had no specified time on when and if they would return my money. I then called US Bank fraud department on XX/XX/XXXX, and she researched it for me and said it's actually another department handling it ( she said the " closing department '' ), and she said their last notes on my account dated XX/XX/XXXX, said they were investigating it, there was no specified period on closing or returning my funds. The note also stated, that it would be returned by cashiers check through the mail IF there was any funds to send! I can't even reach that department that supposedly is researching my account to talk with them. That XXXX also told me I would be receiving notice in the mail stating the same thing. I've yet to receive anything after more than 2 weeks. Yesterday, I received a notice in the mail about the {$1000.00} debit which I already was aware of, BUT in that same letter it stated they were looking into a deposit I made on XX/XX/XXXX in the amount of {>= $1,000,000}!!!! I of course have this notice for proof that US Bank is the one in error. They are the ones that did something on their end. So it appears they flagged MY account for that very large transaction. I've never ever had that kind of money in my life. Nor did I ever make a deposit in that amount! I am just trying to get back my {$3900.00} that I worked very hard to save. I've never bounced anything at US Bank and always had money in it. In addition, the personal checking and savings I had opened online had an initial opening deposit of {$100.00} in checking and {$75.00} in savings. They are denying me that {$170.00} as well. Again, I opened those personal accounts because I closed my business, and was going to transfer the business balance into my personal accounts I had just opened. Due me : {$3900.00} from my sole owner business account, {$100.00} from my new checking and {$75.00} from my new savings. Please help me. I have attached documents supporting my statement. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I applied for a balance transfer offer through U.S Bank credit card services, in which I was approved. so I proceed to do the balance transfer to pay out a debt to XXXX XXXX for the amount of {$6300.00} dollars with a 3 % fee for the transaction, After couple of days I called to see how long will it take for the process of the transfer, the agent told me it would usually take 5 to 7 days that called was made on XX/XX/2023. On XX/XX/XXXX I called U.S. Bank and an agent said the transaction should be complete any day now and to call back. On XX/XX/XXXX I called again and the agent told me that the transaction was on hold and I asked why? She responded by saying that some times the system would do that. I told her ... because of this delay on their behalf I wouldn't have enough time to make the payment for the due date on my XXXX XXXX which was under a promotion that was going to expired. She did apologize for the inconvenience and she told me that at this point was going to take more than 5 days to send the transaction to the destination because they had to cut a check and send it via postal office. When I heard that I told her that it was too much time, so she told me that cancelling this transaction was an option, In which I told her YES please cancel this transaction in which at the time was still on hold. The agent proceeded to canceled the transaction and gave me a confirmation number for the cancelation that was made.. At this time I decided to use another credit card to do the balance transfer in which only took 3 days to complete the process. On XX/XX/XXXX I noticed that U.S Bank sent the payment of the balance transfer after I had alreay canceled the order. I explained the situation to an U.S. Bank manager which I can't disclose the name. I asked him what can I do now?, he recommended for me to contact XXXX XXXX and ask them to return the money back to U.S Bank, in which I did contact XXXX XXXX and the agent told me that via SCH is blocked the only way to do it is sending me a check in which I agreed. As of today XX/XX/XXXX the {$6300.00} dollars has being deposited back to U.S bank, returning the money of the transaction. The situation is that U. S bank is charging me the fee of the transaction, in which wascanceled in the first place, I contacted 2 more managers and they said they won't waive the fee, I told them to check the recordings of me talking to the previous agents to find out that the mistake was on their behalf but they just ignored me and won't take responsability for their error and incompetence. This is an ILLEGAL charged because because there was a stop on this transaction over the phone in which was recorded and confirmation number of the cancelation on file to prove their wrong doing. Is not my fault for their miscommunication and lack of ability to handle their business. PLEASE HELP. STOP FRAUD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53916
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: The following is in response to my previous complaint : XX/XX/2023 Elan Financial Services Customer Assurance Retail Payment Solutions Office of the President XXXX XXXX XXXX XXXX, ND XXXX Re : Account ending in XXXX Dear XXXX, I am writing to inform you of the severity and gravity of the actions taken by your company regarding my account. The reduction of my credit limit based on a payment that was not even 30 days past due is not only an unfair practice but has caused substantial inconvenience and stress. This decision appears to be in direct response to my earlier complaint, and I must stress that I find these actions unacceptable and unethical. If my credit limit is not restored to its previous amount, I am prepared to take further action, including but not limited to seeking legal recourse and escalating this matter to regulatory authorities. I have been a responsible cardholder, and the handling of this situation by Elan Financial Services falls far below the standard of fair and transparent business practices that customers should expect. I strongly urge you to review this matter with the utmost seriousness and take immediate steps to rectify this situation. I expect a response within [ reasonable time frame, e.g., 10 business days ], confirming the restoration of my credit limit. Should my request not be met, I will have no choice but to pursue all available options to protect my rights as a consumer. I can be reached at [ your contact information ] should you wish to discuss this matter further. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX cc : Consumer Financial Protection Bureau XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A