Date Received: 2023-06-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Credit account opened rsulating in late payments reported to my credit that I have no knowledge of This is affecting me as I just finished fixing my credit I need this account closed and removed from my credit report asap. Please and thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US BANK XXXX XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Open Monthly Payment : {$84.00} Date Opened : XX/XX/XXXX Balance : {$2200.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} XXXX XXXX : {$1000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I TOOK OUT Q SECURED CREDIT CARD WITH US BANK. I PLACED {$5000.00} TO SECURE MY CREDIT CARD. THE FRAUD TEAM SAID I WAS DOING SOMETHING THAT I SHOULD HAVE NOT HAVE DONE AND THEY CLOSED MY CREDIT CARD WHEN I WAS OUT OF THE COUNTRY. THEY WOULD SPECIFIC REASON FOR THE CLOSING ACCOUNT. I ASKED THEM TO USE THE MONEY THAT WAS PLACED TO SECURE MY CREDIT CARD TO PAY OFF THE OUTSTANDING BALANCE AND SEND ME THE DIFFERENCE. THE REP SAID IT WOULD BE 2 BILLING CYCLES SO THATS 90 DAYS. I FIND THIS VERY UNFAIR, UNETHICAL. THIS IS GOING TO HURT MY FINANCIALS SINCE I CAN NO LONGER USE THE FUNDS. I WOULD LIKE THE BACK TO SEND ME MY FUNDS BACK AS THEY HAD NO RIGHT TO CLOSE THE ACCOUNT AS I DID NOTHING WRONG.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022, I opened a US Bank checking account from a US Bank page that stated if I met specific requirements, I would receive a {$500.00} bonus. I clicked on the button below the offer " Apply now ''. I went through the application process, and the account was opened. I met all the requirements : - Enroll in online banking. - Complete two or more direct deposits totaling {$6000.00} or more to receive {$500.00} bonus. I did not receive the bonus promised. I spoke with a customer service representative XXXX XXXX XXXX, and she said that I was not eligible for the bonus because the offer was meant for a different person. XXXX stated that I must have received the link to the offer page from someone else. That is not correct. I did not receive a link from someone else. I found the offer on the US Bank 's own website. I asked XXXX for a physical address so I could send a complaint and she said they don't have a physical address she could give me. She gave me an email address XXXX. I sent the complaint to this address but didn't receive any acknowledgment or response. I am attaching the printout of the webpage where I found the offer and the button I used to submit the application. I would appreciate the bank reviewing my case and letting me know if they will honor the bonus offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for a new checking account at my local branch, who stated that I was eligible for a a promotion by opening up a new checking account and closing my old one. I did this. I met all the criteria to obtain the promotion within the time frame. They said allow 60 days. I did that, plus some. I have made XXXX phone calls, all 8 calls have given me a representative or banker, who have given me either lies OR false promises as to when the promotional funds would be available. When I wasnt getting anywhere with customer service, I called the local branch, explained what was going on. They asked that I give them a couple of days and theyd get back to me. The bank manager called me back and stated she never entered a promotional code on my account and basically called me a liar. This was the branch in XXXX Ohio at the XXXX. I have spoke to at least 8 bankers and a different manager, who have stated that the promotional code was entered and I did qualify. Last week was my last call to customer service, they were to call me back on Thursday or Friday last week, nothing. I deserve the promotional funds I was promised because I met all the criteria. I asked to speak to a supervisor or corporate and they will NOT put in contact with anyone there.
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: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I paid off my US Bank line of credit account by a settlement amount offered to me by US Bank on XX/XX/2023 in the amount of {$240.00}. it was paid in time with the time limit they offered me. Payment was made through XXXX XXXX XXXX XXXX. I received a letter in the mail from XXXX saying my account was paid and resolved and I still have a copy of the letter. On my credit report the account shows being paid and closed. My credit score has not been updated and when I dispute this with the XXXX XXXX, they say the information they have is accurate and that's not correct. I have disputed this XXXX times now and get the same answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid off my Mortgage on XX/XX/2023 and have an escrow balance of {$1500.00} that I was told mailed to me on XX/XX/2023. I called US Bank on XXXX to notify I had still not received my check and was told nothing could be done till after 30 days from mailing. I called US bank again on XX/XX/XXXX and was told a replacement check would be sent. This morning XXXX I called inquiring why I still haven't received my check and was told they had no record of my call, they then said the only thing they could do is put in a replacement check request and it might be up to 30 days again before receiving it. I have other accounts with US bank and asked if I could have my balance owed transferred to my account, wired to my other bank, a check overnighted to my home or any other possible form of expediting my funds but told, no. It is unfair and should not be legal that they can keep my money for an extended period of time without paying me interest or making any attempt to correct their many errors in processing this payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am having trouble accessing my money at US Bank. I did a XXXX transaction for a big amount which triggered their fraud protection. It locks you out of your account for 48 hours. I waited 48 hours and called multiple times during this time, but the amount of time is set automatically. During this time, I could not access my account at all online or though mobile banking. After my access was restored, I told customer service I would like to do the XXXX transaction again. I did it with the agent on the phone, but my access was locked again. There was no guidelines other than a vague " wait 24 hours '' but I need to send the money as soon as possible. My account is locked again without recourse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I purchased my home and financed it with XXXX Bank in XXXX. The loan is serviced by XXXX at this time. In XXXX I took advantage of a government sponsored mortgage payment deferral program offered due to XXXX related loss of income. The program allowed us to defer three months of payments without penalty or interest due to my wife losing a part time job related to XXXX. I recently applied for a home equity line of credit with XXXX Bank and have been turned down due to the loan deferral. The response I received is that " We can not proceed with a mortgage that has been modified ( due to deferment ) and we are unable to payoff any liens that are at no interest. '' This was a special Covid program that was promoted as helping the consumers. I believe I am being unfairly discriminated against because I took part in a deferment program that was meant to offer relief to those suffering Covid related loss of income. I would have never taken part in this program if I knew that it would prevent me from ever utilizing the equity in my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear XXXX, I, XXXX XXXX XXXX XXXX am writing to file a formal complaint against USBANK regarding my mortgage loan for my primary residence located at XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX The loan number associated with this mortgage is XXXX. I would like to provide a brief overview of the circumstances leading up to this complaint. My husband lost his job during the COVID-19 pandemic, which significantly impacted our financial stability. To address our delinquency, we entered into a repayment plan with USBANK, where we were making double payments in an effort to catch up on our mortgage payments. We were making positive progress until the onset of the pandemic. After the economy began to reopen, we initiated multiple loan modification applications with USBANK. Regrettably, our requests were repeatedly denied, and we were only presented with short sale options as alternatives. Despite my husband actively seeking better job opportunities and taking on higher-paying roles to improve our financial situation, USBANK continuously instructed us to reapply for loan modifications as our income fluctuated. The loan modification process has been protracted, spanning over two years, during which USBANK consistently denied our requests on the grounds of both insufficient and excessive income. We were not informed about the availability of the California Mortgage Assistance Program until we had already accrued an outstanding debt of over {$80000.00}. Had we been aware of this program earlier, we could have availed ourselves of its benefits and avoided the current predicament. Moreover, USBANK 's refusal to allow us to make regular payments throughout the modification process has further exacerbated our financial difficulties. Despite our requests, they did not grant us the opportunity to resume making our mortgage payments, which has placed us in a distressing position. This property holds significant sentimental value to us as it is the home where our children were born and raised. However, with the burden of high-interest rates and the current circumstances, we are concerned about the possibility of never being able to purchase a home again. All we desire is an opportunity to regain financial stability and resume making regular mortgage payments. In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate our complaint against USBANK and take appropriate action. I believe USBANK 's handling of our loan modification requests has been unfair and has caused undue financial and emotional hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A