Date Received: 2023-08-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost my income due to covid, so I was told that under the CARES act forebeaance I would be qualified for a forbearance program that would allow me to keep my rate and have the outstanding balance attached to the loan. However when my hardship was ended and I was ready to start paying my mortgage again I was told that this option is not available, the only options available involve remodification of my loan terms. My current rate is 2.25 % and the suggested remodification rate is 7.25. I inform the loan servicer that I would love to be ran for a covid partial claim but the refuse to do this. My only option is to make the account current or remodify my loan. Need advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX my account and card was working fine. The next day I couldnt login to my account. I didnt receive a call nor email. The bank just blocked me out of my account. I called and they told me my account was being closed. The representative didnt know why. She said it usually because of a check, but we both acknowledged I didnt deposit a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76240
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want to file this formal complaint to ELAN FINANCIAL SERVICE. I sent them a letter last XX/XX/2022, and XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/23 we wrote a check for {$100.00} to XXXX University XXXX. It was washed and turned into a check for XXXX XXXX for {$2600.00}. The signature on the new check was obviously forged. This transaction appeared on our XX/XX/23 statement which I do not remember receiving. XXXX and XXXX were hectic for us as we were dealing with family health problems. When we looked at our XXXX statement on XX/XX/XXXX we immediately contacted US Bank. We also made a police report. We waited to receive the fraud paperwork requested by US Bank. We filled out all the paperwork, affadavit, duplicate of the original check and on XX/XX/23 we sent it to the US Bank XXXX department. Our local US Bank, XXXX Il XXXX, office faxed it for us. We received a letter dated XX/XX/23 from the XXXX department stating that they needed further information. We did send everything needed on XX/XX/23, so we just resent everything. On XX/XX/23 we received a letter dated XX/XX/23 informing us that our claim # XXXX had been denied for the reason- CUSTOMER DUTY TO EXAMINE STATEMENT -30DAYS. They claim it is FDIC rules, Uniform Commercial Code 4-406. On the letter they write ' The Universal Code 4-406 states that a customer has a responsibility to report any items that have been forged or altered to the bank within a reasonable time not to exceed 30 calendar days. ' I do not feel our notification to US Bank was grossly negligent. Where is the responsibility of the banks involved to verify the identity of the person cashing this fraudulent check or the bank cashing a check with a signature that was obviously not my husband 's. If this 30 day rule is steadfast why were we not told as soon as we put in a claim for something over 30 days? We responded to the denial by going to the bank where we told to call the fraud department. The fraud department was firm on their denial. Please let us know how to appeal this decision. All documentation is available upon request. -affadavit of unauthorized paper XXXX XXXX copy of original check -copy of forged check -police report receipt -correspondence letters with US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unknown Inquiry on Credit Report. Violates 15 U.S. Code 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 US bank decided to close my account for no reason. I told them I had a direct deposit coming in from treasury department for my social security payment. They explained to me over the phone that my account wouldnt be close. On XX/XX/2023 I went to US bank at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States to access my money that came in from my direct deposit. At this time they wouldnt allow access to any of my money and said my account was being closed. I explained to them I was facing eviction that I needed access to my money. Furthermore, they wouldnt provide me any documentation stating my account would be close. I trusted US bank with my money, and I feel they are being negligence with my account and my money. Please help me hold them accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The reason provided by the bank in regards to Consumer Financial Protection Bureau case # XXXX is a violation of equal credit opportunity act of 1974. U.S. Bank is violating equal credit opportunity act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXXBecame unemployed XX/XX/XXXX -Spoke to USBANK around XX/XX/XXXX or earlier about contract end and was advised I can do a forbearance as long as I pay up till I believe XX/XX/XXXX and to apply in XX/XX/XXXX for a loan modification, told didn't have to make payments until XXXX or XXXX XXXX all I had to do was make XXXX payments before XX/XX/XXXX the rep stated specifically that even though I did a XXXX forbearance it wouldn't effect my chances for getting approved for this modification. -Made a payment of {$960.00} on XX/XX/XXXX over the phone. -Made a payment of {$1000.00} on XX/XX/XXXX over the phone. -Made a Payment of {$900.00} XX/XX/XXXX over the phone. ( during all interactions, I've made it clear I wouldn't be able to pay in XXXX lump sum and that I would like to do the modification to put left over payments at end of the loan, ) was never told of a tier system that I would need to follow in order to accomplish that only that I didn't need to worry about holding the money, ( which I did anyways for awhile until I needed to replace a water softener, auto repair and health bills. ) XXXXI believe XX/XX/XXXX I also advised them that I was starting a job and was advised not to make payments cause it would just go into a suspense account and to wait till I get my application reviewed in XX/XX/XXXX. -Called in XX/XX/XXXX? and started the application process, XXXXI got the application via mail possibly towards the end of XXXX and I filled in what was needed per reps on the phone. -Called XX/XX/XXXX which I believe I asked about not including co-owner on the application since she was not living there for awhile now, they responded that she would need to be on there and that just filling in her income and a signature should be fine. -Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX following up on information they needed several different times and was advised to wait a week between follow ups, in this time frame this played out.. ( to the best of my memory, per notes and call logs ) -They needed more information from co owner about child support and that she doesn't live there in writing, we provided that XXXXthey asked for XXXX paystubs I provided that, -then they needed deposit proof of child support -Then they needed a month of deposits that had no child support deposits -then they needed full bank statements from me and not just deposits -then they needed more info from co owner and paystubs -some calls were follow ups responses about waiting for review - I believe XX/XX/XXXX they said they had everything they needed after co owner talked to them XX/XX/XXXX and provided information they asked for. - they called again XX/XX/XXXX saying they needed my start date for my employer, and address for co owner, I advised I didn't know it and to call co owner, XXXXthey got a hold of co owner and got address but also asked for my start date again or for my previous employment start date? XXXX I called in response to denial letter stating that I didn't make enough and that I owed too much and would only possibly qualitfy for a short sale or foreclosure.. I explained to the reps the whole situation and ended up getting to a supervisor who told me it was put down that I was only getting paid bi-weekly ( which I never said ) I advised no I get paid Weekly as also stated on application of my monthly income.. they stated at that moment I would have to pay a little over {$5000.00} in order to qualify for the modification for putting the amount due to end of the loan ( this is the first time I'm aware of only XXXX payments could be missed to qualify for modification ) or else they will put into process for foreclosure or I can appeal before XX/XX/XXXX and that I should send in copies of more pay stubs, so I sent all paystubs with appeal notice and written explanation of summarized of all that took place and they got it on XXXX XXXX XXXX US BANK calls and hangs up, I call back and talk to a female who stated the same reasoning as other reps and that the investor wants them to call me periodically, I got aggravated and hung up cause I was at work.. XXXXThey called again same day XXXX, a male who says my account is in foreclosure and that it could be signed away or something soon and how did I want to resolve the debt, I advised I was in review for appeal, he said no it was denied XX/XX/XXXX and said I can appeal it again and to talk to appeal department, he also said that * due to be getting a XXXX modification from before that it effected my ability to get a modification per the the investor* this is what the first person said wouldn't effect my chances** and that the investor can change the guidelines at anytime* -transferred to appeal department, and spoke to a XXXX who said that it's still in review and she explained ( first time hearing this** ) that there is a tier system which I would have to not go over XXXX months past due to qualify for the modification I originally needed and that once it hit XXXX months past due I would need to pay the complete balance in a lump sum, not payments accepted and now amount due is XXXX she also stated US BANK uses XXXX different notation systems so shes not sure why other male rep said these things. -So at XX/XX/XXXX would be XXXX months past due which would of meant my total amount I would needed to pay was {$3800.00} in order to qualify for the flex modification where they would put the XXXX months past due at the end of the loan or possibly make payments per XXXX 's explanation. -in XXXX it would of been {$6700.00} in total I would of had to pay in lump sum as stated above, so why is US BANK saying I needed to pay a little over {$5000.00} in XXXX? XXXX would of been {$8600.00} in full and now in XXXX we are actually at {$9600.00} ( assuming late fees were added to make it the huge amount of {$9900.00} due right away! -So with all this information, I have determined that the staff at US BANK Mortgage customer care department and loss mitigation department are not fully trained and not aware of the programs they offer or that FHA offers and misled me through the whole process and set me up for failure. that they also don't take notes all the time or don't clarify what they think they heard. I have the means to pay and expressed that since early XXXX or late XXXX after I got a good paying job.. but instead I was guided into believing my normal payments would just continue slightly more or slightly less in XXXX or XXXX or that I could set up a payment plan to add to my normal amount which i expressed I didn't want to do that, which proves that these reps didn't know what the guidelines were from the start.. I could of started paying it down in XXXX and not be in this situation... Now I am begging and borrowing every day, selling what I can, I have a XXXX account ( https : XXXX ), I asked over XXXX churches for help and multiple other organizations so far to pay this huge amount and it's extremely embarrassing to me and my daughter and I believe I'm losing friends/family and lost plenty of sleep over all this and no rep at US BANK seemed to really care that they falsified info.. I have to get a small loan and pay extra interest on it and possibly use credit cards with high APR due to my bankruptcy mid last year, I'm trying to build my score back up.. I'm submitting this claim due to having no faith in a positive outcome from US BANK with appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60177
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I call US Bank Home Mortgage XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) ask them both for refinancing papers to assume rightful ownership apart from joint party in order to reduce income to debt ratio and it been months now without any information given by o either party. US BANK sent many denial of refinancing solely base on an old credit score in which is not the same for months. Creating XXXX XXXX XXXX XXXX as the main reason for denial summiting false score of XXXX ( XX/XX/2023 ) when in fact it been XXXX since XX/XX/2023. Also XXXX XXXX XXXX warrenty company is stalling a Air Handler for our 14 year home air conditioner unit serviced by XXXXXXXX XXXX XXXX XXXX XXXX GA License # XXXX ) ( SC License # XXXX ) XXXX I have invoice and place work order XX/XX/XXXX or two weeks prior and have not receive any work yet XXXX continue to debit my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31326
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I filed a complaint against US Bank for this matter to no avail. US Bank responded with absolutely no evidence or explanation for the " charges '' on my credit card that they claim I owe. In FACT - those charges can not be linked to me as they are literally " late '' fees imposed on fraudulent charges. US Bank can not solve this issue by trying to gaslight me and just say " there were charges '' I haven't paid for. Not only will I sue US Bank in court, I will share all of the statements and the extremely poor response and absolutely unacceptable excuse US Bank gave in response to my demand that they resolve the mess they made of my account. If US Bank does not retract the fees and charges ; advise the CRAs that what they reported is FALSE, and close my account in good standing within 5 business days, I will file suit and share their disturbing lack XXXX violations with the media, in addition to contacting XXXX XXXX myself to alert him to their disgusting unfair practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A