Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: US BANK has an open amount on my credit report exceeding {$20000.00} from ... ... XX/XX/2015 This is over 8 years aging and should be off any credit report. This should not damage my credit standing after 8 years. Of note : I do not recognize this account. Therefore, I am requesting original documentation with my signature on an application for this credit card. I do believe that this is an exorbitant amount of debt for a working woman 's credit card. I really do not believe my income alone would allow a substantial credit line. If the owed amount is over {$20000.00} ... ..how much was the original credit card! This account has a date of XX/XX/2015 ... ..over 8 years ago. This should not be available nor on my credit report at this time, even, IF this were my credit card. I really don't have confidence in this nation 's credit reporting as there are voluminous errors in credit reporting as is. However, I do request this be removed from my credit report due to the question of validity ( I was the victim of identity theft ) and the aging of this credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28677
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: InXX/XX/2022 I had filed a dispute with my bank account due to not receiving a product that i had ordered, after having explained that to the initial company I placed an order from they told me that to them it said it was delivered so they wouldn't be able to do anything for me, after contacting the company i contacted the bank and addressed this issue with them i also informed them that i could provide with security footage proof if needed to help my case and asked them to please let me know what they needed from me in order to complete this claim, I was credited the total amount of the purchase which was {$2100.00}, filled out the paperwork needed and then submitted it to the bank, after over 4 months of not hearing anything from the bank or being communicated if anything additional was needed i then got the full amount from my bank account reversed as well as several transactions that were fraudulent were being addressed, I then proceeded to call the bank and ask them for resolution or to open the case back up so ui can submit whatever was missing however they denied me and said they made up their mind and that the company I ordered the product from said they had a signature i then asked for signature proof and they dismissed my request and said they are not able to do anything for me and i had to figure it out with the police, I have been very frustrated because I dont even live anywhere nearby the area in order to do that, not only that i was told by the police department that due to the time that has passed they could not do anything, I have tried my hardest to be patient and as cooperative as possible but no one is helping, i contacted the bank multiple times to address the case and received a call back after being told i would for about a week and was told " we are sending paperwork out thats all were able to do '' not only did i not receive the item i ordered, I also got my money taken out without any form of communication, I simply want my money back because i have bills to pay and a child to feed however they are in no way trying to help or do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Dear US Bank NationaXXXX, Are We in Loss Mitigation right now? Please respond with a letter stating yes or no. Explaining why or why not. See attached, US Bank National letter to me dated XX/XX/XXXX to reach out to them for help with mortgage. I reach out with a Mortgage Assistance Application on XX/XX/XXXX. Sent all disability and income/pay stub attached. US Bank Acknowledged by email to me on XX/XX/XXXX - see attached - that they did receive it. Please have your Attorney cancel the sale date of my home set for XX/XX/XXXX. The letter you sent me dated XX/XX/XXXX, was BEFORE your Attorney got a sale date on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There was an XXXX order that I never received. I contacted XXXX and was refused any resolution. THen I contacted my bank US bank and received this letter attached. Without any explanation, US bank just straight out refused helping me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX US Bank representative referred my account to your foreclosure dept in XX/XX/XXXX, while at the same time processing my mortgage modification application - see attached record ofvour emails. She and I emailed constantly from XX/XX/XXXX to XX/XX/XXXX. I even got an Order from a Judge in XX/XX/XXXX referring us to the Modification Mitigation program. US Bank would not respond to Court Order. I registered on the DMP portal Did everything I was supposed to do. I got served by a Court process server in XX/XX/XXXX for foreclosure. I wasn't even in default. I'm sitting waiting on US Bank to process the modification application while US Bank was processing a foreclosure action. Now here we are again. I'm sitting waiting on US Bank to process a modification application while US Bank is preparing to sell my house on XX/XX/XXXX. US Bank sent me a letter offering to help me on XX/XX/XXXX and I responded. XXXX days later US Bank Attorney got an Odrr from Judge to sell my house. I am a full time XXXX XXXX I am gainfully employed. But I am being denied the right to pay mynown mortgage. US Bank are you going to have your Attorney get an Order canceling the sale of my home? Are you going to let me pay you? You are sending me one thing in the mail and sending your Attorney another thing. I have complained to the FL Bar on this man when he's only doing what US Bank told him to do. That is not right. We are not on the same page.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Loss Mitigation Steps Outlined in the link below by the U.S. Department of Housing and Urban Development, have NEVER been performed by US Bank on my behalf. Not once have they sent me anything about the : COVID-19 Forbearance, FHA 's loss mitigation options, Special Forbearance ( SFB ) -Unemployment, https : //www.hud.gov/program_offices/housing/sfh/nsc/lossmit They have had me in Court fighting a foreclosure since XX/XX/2019 - XXXX XXXX XXXX XXXX XXXX, arguing about the VALIDITY of the mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: U.S. Bank is responsible for the most baffling and stressful week of my life. I'm currently applying for a mortgage. When I went to upload my bank statements from U.S. Bank to the portal for my mortgage documentation on the morning of XX/XX/XXXX, I noticed they didnt say XXXX XXXX XXXX them. They had my address, but were addressed to XXXX XXXX. I looked back at my statements and saw this change happened between my XXXX and XX/XX/XXXX statements. This was completely shocking : Ive never changed my name and/or been married to someone with the surname XXXX, I withdrew money using my real name and account number at a U.S. Bank XXXX XXXX XX/XX/XXXX without anyone pointing out that the name on the withdrawal slip didnt match the name on my account. If they did mail me any documents, I wouldnt have received them because I live in an apartment building and only mail that matches my name on the mailbox gets delivered to me. I don't see any emails from U.S. Bank stating an account change occurred. Later in the day on XX/XX/XXXX, I went to a U.S. Bank branch in downtown XXXX at XXXX XXXX XXXX and met with XXXX XXXX who changed the name on my account back to my actual name upon me providing my social security number and drivers license. This does not update the name on the previously issued statements. I am submitting this complaint because I have not received any written acknowledgement that this error was caused by U.S. Bank, not me. The short explanation of why this happened is that U.S. Bank has TERRIBLE security. If someone told me on XX/XX/XXXX that this could happen, I don't think I would believe them. What I was told at the branch on XX/XX/XXXX is that someone else was changing their name at a branch in XXXX, MN in XX/XX/XXXX and that change got applied to my account. I have never lived in or near XXXX, MN. It has always been about XXXX hours of driving away from me. I confirmed I was not the person who made the name change request and I that was not in XXXX in XX/XX/XXXX. In my opinion, there are clearly no enforced requirements account changes are applied to the accounts owned by the person making the changes. This is an incredible security risk. Bankers can apply name changes to accounts without verifying the social security number of the person changing an account name matches the social security number on the account the change is being applied to?! I still can't believe it. They also dont require any proof of address to submit a name change request. I did bring my XXXX tax return to show my proof of address, but they said they didn't need it. I believe U.S. Bank shouldn't be allowed to continue operating as a bank until these egregious security flaws are fixed. I've attached the letter I received from U.S. Bank to present to my lender, but I am upset they don't admit they're the reason I had to deal with this in the first place. My credit cards were also closed last summer and I never received any notification that they were closed. This might become a separate complaint since it's about a credit account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XX/XX/XXXX To Whom it May Concern : My family received XXXX gift cards in the amount of {$100.00} each form my father who lives in XXXX XXXX of XX/XX/XXXX. Since the receipt of those cards, we have all opened our package at different times, out off all XXXX, only XXXX has not been compromised. I have sent communication on XXXX of XXXX cards that were compromised since XXXX to present, with back up of receipt, ID, package and card, etc. You have verbally taken my claim on XXXX of the cards and have submitted new ones in my name for replacement. I say this as I no longer have the originally receipt on hand as at the time the XXXX card was not opened to verify if it was used already. If you can please look in your records under my name for past receipt that would verify my claim, along with the below information to indicate what I am saying as to when it was purchased. We did not use this card on the time or location listed below. Thank you for your time and consideration in this matter XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90604
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received a card in the mail on XXXX XX/XX/2023 from U.S. Bank with my name on it at my address. At no point have I ever applied for any such card or had any contact with U.S. Bank, No email, url, or phone number was provided with the fraudulent card from U.S. Bank. This, made it impossible to for me to deal with them directly. Furthermore, the address provided was a Post Office Box only to interfere with my reporting this fraudulent firm to the local police and filing a criminal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01890
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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: XX/XX/XXXX - called fidelity card service dispute to confirm the reasons behind not honoring my dispute ; they confirmed that the reasons will be sent to you in another week XX/XX/XXXX - I was told by customer service representative that dispute over 60 days from transaction posting won't be entertained. Challenge her on future transactions but she stood the ground pointing to the billing statement wording " You must contact us within 60 days after the error appeared on your statement. '' XX/XX/XXXX - called fidelity cards service and was told that a representative from disputes will call back XX/XX/XXXX - dispute transaction credit reversal in the amount of {$120.00} XX/XX/XXXX - mailed via USPS the form with details on dispute XX/XX/XXXX - dispute transaction credit in the amount of {$120.00} XX/XX/XXXX - called fidelity cards service asking for help as the vendor was acting smart and not responding to the settlement XX/XX/XXXX - transaction made with XXXX XXXX XXXX CA for {$180.00} towards XXXX XXXX classical violin classes at the cost of {$15.00} per class
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: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A