Date Received: 2023-06-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my check for {$12000.00} was deposited to a us bank account not in my name. they forged my name and put it in an account that was set up under another person. one week later the account holder who fraudulently signed my check. demanded the bank release the funds to my check. the bank teller knew the check was not in the account holders name. they still released the funds and they took my {$12000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95969
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: i received an advertisement for purchases at 0 % interest via my personal email in XXXX of this year, XXXX, on my Existing c.card, ending in XXXX. subsequently i made a {$12000.00} purchase on that card. however, much to my surprise i discovered last month that us bank is and has been charge me 26 % interest on that purchase. that amounts to approximately $ XXXX in interest. i contacted us bank but they have stated that the 0 % interest was only on a New c. card. however the ad states differently. it states i can use it on my card ending in XXXX, which is my Existing c.card. regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called XXXX. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. I also had an inquiry from US Bank I did not authorize. I was unable to get in touch with them by phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Attached are messages sent by the consumer to the company. The consumer applied for a credit card online using a generic online offer of {$150.00} after spending {$500.00} in the first 60 days. Advertised here : XXXX XXXX XXXX XXXX XXXX After 60 days had passed on XX/XX/XXXX, the consumer contacted the company to ask where the offer was and when it would be applied. The company claimed that a different non-advertised offer was on the account and would not honor the offer on their website claiming they " could not review it ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023, I opened a savings account with U.S. Bank under the impression that I would be getting monthly fees. I never heard of a bank charging monthly fees for a saving account, and certainly not if they're a XXXX. When I called the customer service agent, she had the audacity to tell me that I have to bring my overdrawn balance of - {$10.00} back to {$0.00} in order for her to close my account. Not even her supervisor can override these charges. U.S. Bank is a thief. They've been taking my hard earned money every month since XXXX and I didn't even realize. And they have the nerve to require me to bring my balance back to {$0.00} on top of the {$10.00} fee they keep charging my account every month? Even when my savings account was {$50.00}, they gave me a fee reimbursement that first time on XX/XX/2023. They need to return all the money they stole and close my savings account or I'm filing a lawsuit. I'm reporting this to the FTC and the Financial Regulator in their state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Back in XXXX I had applied for mortgage assistance and was approved to have the payments that we were behind deferred. The first payment was due in XXXX. I had previously done the payment deferral during covid because it was a hard time. When it was previously done, I could pay it during the month ( of course before the XXXX or it would be considered late ). I was planning on paying the payment on the XXXX. In the beginning of XXXX, I received a notice of default letter. I tried to go online and make the payment for XXXX. It let me but then weeks later ( with no notification ), I received a refund check back in the mail. I don't understand how I could of been approved for the payment deferral and then receive a notice of default. And after that, it was saying I needed to make the payments from XXXX to current and not just XXXX to current. That is not right and should not be allowed to happen. I have since applied for assistance again and am being told my only option is to short sale the home. We've had a tough time and are finally getting back on track, we have plenty of equity on the home and have a large MI monthly payment that could possibly be removed if US Bank was really looking to help homeowners.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX I requested time to extend the payments because of XXXX issues the renters were not making any payments since the government stated not to pay rent. Therefore, my renters stopped paying rent, which caused me to fall behind on my mortgage. I called US Bank to request a loan modification. At this point they informed me that I didn't have to pay my monthly payments until made arrangements with US Bank. In XX/XX/XXXX I attempted to make payments, however US Bank refused my payments and returned the payment along with a letter stating that until I finished a loan modification with them I would be able to make payments. I went to the US Bank on a monthly basis for XXXX year to make payments but they still refused my payments. I have sent XXXX applications for the loan modifications. In XX/XX/XXXX I received a letter stating that, " The account is brought current '', however on XXXX XXXX I received another letter stating they needed additional documents which I have submitted several times to no avail. I received another letter stating I needed to make a payment of {$3000.00} effective XXXX XX/XX/XXXX. I went to US Bank to set automatic payments but they still keep refusing my payments. All the inaccuracies on their behalf has caused the interest to increase a lot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: US Banks settlement offer- On XX/XX/XXXX, I received the 2 attached letters, dated XX/XX/XXXX, offering to unconditionally settle disputed accounts with US Bank . I have disputed the entire balances due to willful violations of the FCRA for which I have filed CFPB complaints. Despite my numerous requests in the past, I have been repeatedly denied my requests obtain true and correct binding copies of the Original Credit Card Agreement. The CFPB requires US Bank to clearly list every Credit Card Agreements in its CFPB database so consumers can simply and accurately ascertain with certainty the effective agreement. However, the database presented for US Bank does not allow consumers to determine what agreement, if any, is applicable. The headings for the listed agreements is garbage and not informative. While most agreements may be identical, I can not be assured with certainty what listed agreement covers my 2 credit card products. On XX/XX/XXXX, I called US Bank at the number provided in the letters speaking to XXXX, XXXX and finally XXXX seeking to obtain the exact terms and conditions of the settlement offers as the offers were not clear, concise and complete. At first, I again asked that US Bank provide me with an exact copy of the credit card agreements so I could be assured that there could be no disagreement of the exact terms, especially the forced, mandatory, binding Arbitration provisions which require US Bank to advance and pay 100 % of the Arbitration fees for claim disputes. XXXX refused to provide me with a copy of the credit card agreement including the Exact Arbitration provisions. More importantly, XXXX frivolously stated that she could not find the written offer insisting that I provide complete financial data to apply and see whatHardship offer could be offered but most likely less than what was in the written offer. I explained over and over again that the entire account amounts were disputed and the illegal debt collection tactics constituted a classic bait snd switch prohibited conduct. I called to inquire about the written settlement offer but XXXX said she wanted to have me enrolled in an Re-Age Program to trick me knowing that I disputed all amounts. My call was nothing more than settlement discussions about the written settlement offer AND an attempt to obtain the effective credit card agreement with arbitration provisions. My accounts were long ago disputed and remain disputed despite the willful violations for failing to list accounts as disputed with credit reporting agencies. The frivolous settlement offer was filed in BAD FAITH in willful violation of the FDCPA with no intent to permit acceptance. I asked XXXX to specifically write into her record such as customer demands Arbitration for disputed claims of the parties AND customer chooses Arbitration as the sole forum for dispute resolution so that litigation in a court is BARRED per the forced binding Arbitration provisions written by US Bank and included in the card agreement. Thus demand for Arbitration as my chosen dispute forum was stated over and over again to make it clear that dispute resolution was already effectively in Arbitration, except for the mere ministerial task controlled by US Bank to file the claim and pay the $ XXXX arbitration fees for most likely a retired judge at {$500.00} an hour. I made it clear that the cost of Arbitration with fees to a retired judge could easily reach {$50000.00} plus attorney fees of {$50000.00} with no possible court collection option. I tried to get XXXX to understand that litigation was barred and Arbitration was expensive besides my Social Security Income was exempt from garnishment. So settlement is in the best interest to the bank. XXXX merely tried to PARROT canned statements rather than understand a simple case of expensive litigation with no chance of collection. I must have demanded Arbitration and chose to Arbitrate at least 10 times. I demand complete copies of the credit card agreement with Arbitration provisions as the CFPB database on file with the CFPB is useless. In the event that US Bank, or its assigns, sue me in a state or federal court in violation of the Arbitration forum chosen and demanded, I will have no choice but to file a motion to compel private binding arbitration which will automatically stay proceedings for years until every appeal is pending. ( See attached Friday, XX/XX/XXXX, US Supreme Court decision in Coinbase , Inc. v Bielski delivered by Justice XXXX ). Litigation against me is now barred by virtue of my Arbitration forum selection choice and demand. If you file a state court lawsuit, I will certainly file a Motion to Compel Arbitration and file a federal question US District court lawsuit seeking injunctive relief and $ XXXX statutory and punitive damages, plus a petition to compel Arbitration. I do not trust US Bank so Arbitration is required and it is in the best interest to settle the disputes. I request that my disputed accounts be permanently deleted from every crefit reporting agency as you have violated not only the FCRA but the FDCPA and the bank has not complied with the complex XXXX XXXX obligations as it does not understand and can not fulfill its statutory requirements. A precondition of any settlement is the permanent deletion of all accounts from every CRA. Vague promises to report to credit agencies is worth less than your bait and switch offer. As far as reporting to the IRS, reporting is exempt as your claims are reduced and offset by statutory damages. At age XXXX, I will die or become bankrupt before you receive anything. Dont waste {$100000.00} to pursue an uncollectible disputed claim. As I explained to XXXX, you will most likely sell the claim for XXXX cents on the dollar so your settlement offer for XXXX cents was in your best interest. Your illegal and deceptive debt collection conduct must cease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: When I try to swipe the cards at a card swipe machine, it doesn't read. I don't get a beep. Nothing happens. The merchant appeared to try to save a fraction of a XXXX on plastic and made the cards too thin to be read by the swipe machine. I've tried using the cards at multiple machines without success. The cards need to be replaced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was effected by Covid. I went on forbearance and then had a partial claim put on my mortgage of {$25000.00}. I was still having a hard time financially so I applied to the Kentucky HAF program and got approved for the full amount of {$35000.00}. I was a few months behind on my mortgage when I got approved. They brought my account current and said they would pay an additional 6 months worth of house payments. I read the guidelines and spoke to HUD and they said I could use the rest of the {$35000.00} to pay off my partial claim with HUD. Kentucky said that they did not allow that under their guideline even though I read the guidelines and it said the money could be used to pay off a past due balance. They said that since it is not showing as late at that point, that they do not consider that to be a past due balance. So if I would have applied 3 months sooner than I would have been able to not have the {$25000.00} partial claim previous balance that I still owe? That did not sound right and was just told that was XXXX rules. No one from US Bank told me about HAF when going over options even though I was obviously qualified for that program. Toward the end of the 6 months I get XXXX letters. XXXX from US Bank and the other from KY HAF program telling me that I was coming to the end of the help and I needed to resume payments on XX/XX/2023. They were always late making the payment on the last few days of the month so I was used to checking around the XXXX. In XXXX no payment was made at all. I called and was told they were short handed and XXXX sent all payments at once and to check back in a few weeks. So toward the end of XXXX I called and I was told that the payments were made. So a few days later I paid for XXXX payment on XXXX I believe. A few weeks later I log on and notice US bank has me still owing for XXXX. So I called and I was told that they were still processing payments and to call back in XXXX weeks. They said I would not be charged a late fee. Every time I called KY XXXX they told me they contacted their contact with US bank and they were working on it and to call the bank back in a few weeks or XXXX business days. Every time I called US bank they told me they still did not have it posted and to call back in XXXX weeks. Well I was told I should not make a payment until that one posted. I assumed they were saying me making the XXXX payment at the end of XXXX is what caused the probem. I called and emailed both places when they told me so with no developments. I even asked HAF for their US bank contact and was told they could not give that to me but they sent them the wire information. Well a few months went by to I was 90 days late on my mortgage. I was told by US bank that it would be corrected when they got the payment from HAF. Once I started getting calls from the the loss mitigation department the tone changed. I was told that I needed to catch up all the payments including the one that HAF was supposed to pay or go into default. So when I got my tax check I just made all of the payments thinking that I would just get a credit when it went through. After I made the payments I got an email from the lady at HAF and she said good news! I see the payment went through. You can go ahead and make the rest of the payments now. I emailed he back and told her the I was the one who they received a payment from, not them. She said she would call her contact and get back with me. Then 2 days later I get a call from a XXXX, her supervisor telling me that they paid all they could pay. That the letters I got saying my first payment would be due XXXX XXXX was an error. I did not know when the 6 months was up because I thought they started payments around XXXX for the previous balance and then 6 months from there. That also did not seem right since I got XXXX letters, XXXX from each company telling me when to resume payments. Plus I had been in contact with her office for months of them telling me they made the payment and to just be patient. I also told XXXX that US Bank said I was late since they never receive payment from them so that I had a XXXX and 90 day late on my credit report. She said she would contact US Bank to see about getting that removed and I never heard from them again and nothing got removed. I did have someone hit my car in my driveway and totaled it. I then had to finance a new car with a credit score of XXXX, instead of the XXXX I had prior to the mortgage lates. Obviously that has me paying a lot more in interest for the car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41051
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A