Date Received: 2023-04-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I fell behind on payments so then they made me have to do wire transfers from my bank and I was told I was caught up each time I was having to make a wire. But then they still charge me several hundreds of late fees and penalties and admitted their mistake but still will not mail me hard copies of where my payments are applied or any thing I have paid a absurd amount of money to get caught up but they still stated Im behind alll the way back to XXXX but I should be ahead. They also stated they applied several payments of large amounts to my principal and I asked why would you do that when Im try to catch up and they did not have answers Ive called several time hung up on and even one employee told me that if I would pay my bills I wouldnt have to worry about being charged late fees. Here are the payments made by wire and I just had them draft over XXXX last month and was told I would be caught up again but now they are calling harassing my wife and I at work and calling on weekends after XXXX so Im tired of them. XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX The Bank is US Bank and they are applying payments elsewhere and keeping me late for fees and threats and repossession Not to mention reporting to my credit that Im always late for two years or more and i never missed a payment auto draft from XXXX XXXX that carried my note on another vehicle that is now paid off in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79706
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received 4 letters of denied credit card applications. I didn't apply for any of these. They all were done on the XXXX and XXXX of XXXX. I am speaking to the lenders and resolving as much as I can. XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I need these online applications traced back to who did this and I want to prosecute them. I don't know where to go from here. I am XXXX and on a fixed income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a US Bank business checking account on XX/XX/2023 with a {$400.00} opening bonus ( code XXXX ) attached. Deposited {$250.00} into the account on XX/XX/2023 and {$2800.00} on XX/XX/2023 ( as well as funded account with a credit card on XX/XX/2023 for {$200.00} ) to meet conditions of bonus. I kept the money in the account until XX/XX/2023, which was when I withdrew the funds due to requiring that money for expenses and fulfilling the time condition of the bonus ( 60 days after deposit ). I've called customer service approx. 5 different times trying to see why the bonus hasn't posted after meeting all conditions- at first it was just waiting for the verification period to end, but it changed to having the bonus denied due to not depositing " new money. '' Per the terms, " new money '' is any money deposited from a US Bank or affiliated account, of which I did not use for my deposits ( used XXXXXXXX XXXX ). I called to try to determine the sudden and incorrect reading of the terms, to which they were more receptive, but said that it will take 4-6 weeks to research. The terms are clear and I 100 % met them. From my experience, I do not have confidence that US Bank will rectify the situation promptly or ethically, hence the complaint. NOTE : I will attach the terms that are now on the new landing page for the link I saved. There was an increase of {$100.00} to the bonus ( {$500.00} ) but my offer was for {$400.00} with the same exact terms and conditions as the {$500.00} bonus. I'll also attach a screenshot of a blog post that had the code & terms listed for the {$400.00} bonus. Due to the landing page being changed by US Bank, I do not have access to the same page that I did when I applied for the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Though it does credit card business in the millions in the state, the company is not registered to do business in Michigan or in Missouri where it publishes a post office box address. Thus it provides no registered address where or resident agent on whom service of process can be had. This effectively makes it difficult, if not impossible, for it to be brought into court to answer for its delicts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48168
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In 2006, I filed for bankruptcy if my real estate investment company. My primary residence was included but we wanted to keep our home and reaffirm the mortgage. We signed the reaffirmation agreement, but it was NOT sent to the recorders office by out attorneys. For 3 years U.S. Bank took our mortgage payments after the bankruptcy was discharged. Once they found it that our primary residence WAS included in the bankruptcy, U.S. bank stopped accepting our mortgage payments. We have tried unsuccessfully for over 13 years to fix our mortgage but U. S. Bank has thwarted our efforts. It has caused so much stress and strain that it affected my marriage and after 29.5 years we divorced. U.S. Bank has not assisted me, like it has assisted so many other clients, in trying to keep this XXXX veteran in his home. I dont believe the modification process has been fair and Ive had an undue burden placed on me and my family. I have been approved for a loan modification at least 3 times and approved for a short sale once because U.S. Bank got the information wrong and processed our home for a short sale when we requested a loan modification. The delays have lead to an insurmountable debt that U.S. Bank should take some responsibility for. I was approved again for a modification but my ex wife will NOT sign the modification paperwork. U.S. Bank is moving forward with the foreclosure process when all they have to do is give the homeowner a new mortgage. I would like some help in keeping my home of 23 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46037
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received notification from my bank ( XXXX ) about a recent credit inquiry on my credit report that I did not authorize, from a lender that I do not recognize. The lender is listed as ELAN FIN SVCSXXXX and the inquiry date is listed as XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding my recent interaction with my bank. I have been in communication with the bank several times regarding an unauthorized transaction that took place on my account. Despite my repeated attempts to address the issue, the bank has failed to take appropriate action and has notified me that the transaction was legitimate. To provide some context, I first noticed a suspicious transaction on my bank statement on XX/XX/2023. The transaction was for a merchant that I had never heard of or authorized. Immediately, I contacted the bank and spoke to a customer service representative to report the unauthorized transaction. The representative assured me that the issue would be resolved promptly and that I would receive a refund for the unauthorized transaction. However, after months had passed and I did receive two Post Adjustments from the bank, I reached out to them again. This time, I was told that the transaction was legitimate and that they would not be issuing me a refund. I was shocked to hear this, as I had not authorized any such transaction and had no idea who the merchant was. At this point, I decided to escalate the issue and requested to speak with a representative. I explained the situation to the supervisor and provided them with all the necessary details, including the date, and amount of the unauthorized transaction. Despite my best efforts to provide evidence to support my claim, the bank remained adamant that the transaction was legitimate and refused to refund me. In conclusion, I am now requesting the intervention of the CFPB to resolve this dispute with my bank. I believe that the bank has failed in its duty to protect my account from unauthorized access and fraudulent transactions. I am seeking a full refund for the unauthorized transaction, as well as compensation for any additional damages or losses that I may have incurred as a result of this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is with U.S. Bank Branch and I have been disputing ID Thief and Fraud with U.S. Bank since I first became aware of it in XXXX Please see attachments and that will summarize everything. CFPB complaint word doc is the complaint and will explain the case and will reference Attachment A and Attachment B ( 3 Parts ) Please read carefully to understand my situation and frustration. A XXXX Is attachment A B Attachment are supporting files. It's in 3 parts b/c it was too big for 1 upload
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55318
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX of XXXX I went to a US BANK branch to open a brand new checking account. As it's very usual between banks, I found out on their website that there was a first account bonus of {$500.00} that was being offered from US BANK at that time so when I was opening the account at the branch, I told the US BANK branch manager that I would like that bonus applied to my account, so he looked up on his US BANK system and made sure the bonus would get applied, no problems at all. After meeting the requirements to receive the bonus, which at that time was receiving {$6000.00} or more from direct deposits, I called US BANK customer service wondering when I was going to receive the bonus, and that's when things started to get bad. The customer support representative told me that the bonus code applied to my account was from an older promotion that was already expired and that I should contact the branch that opened the account for me, and that's what I did. When contacting the branch, I explained to them the situation and showed them that the bonus code that was applied to my account was already expired at that time ( XX/XX/XXXX ) and that the correct one was another code ( the XXXX available from their website at that time ). This was basically a mistake from the US BANK manager when opening my account. The response I got from them was that they had contacted the department responsible for promotions and basically the promotion that I had found on the US BANK website, open for everyone to see, was a promotion made for specific people only and that if I don't provide proof that I was meant to receive the promotion, I wouldn't be getting the bonus. After getting that response I could not feel more deceived. First, I found the bonus on their website open for everyone to see. Second, the manager does not tell me anything about it and says that the bonus would be applied. Third, out of nothing they tell me I wasn't meant to be receiving this bonus. The funniest part is that I told XXXX friends about the US BANK first account bonus and all of them went on XXXX to open their account and guess what? ALL OF THEM received a first account bonus on their account. I don't know what is up with US BANK first account bonus, sometimes they decide it's for everyone and sometimes they decide that it's just for a specific group of people. I can't express how disappointed I am, if someone had explicitly told me that bonus wasn't meant for me, I would just have gone to another bank. I was a victim of a false advertising. I was misled into believing that I would get a bonus from opening an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a US Bank Visa Gift Card from a friend in XXXX, XXXX. I did not realize until XXXX, XXXX when I tried to use the card at my local XXXX that it needed to first be registered. On about XX/XX/XXXX, I went online to register the card and realized that someone using the name XXXX, had fraudulently registered the card and used it at XXXX on XX/XX/XXXX. See attachment XXXX, Card Activity, that shows two XXXX transactions that werent made by me or authorized by me. This realization was quite a surprise, as I have always been and still am in possession of this gift card. I assume this was a computer hacker or insider who had access to computer files containing US Banks Visa Gift Card account numbers and corresponding PINs. I immediately called the number on the back of the card, XXXX, and was routed to a call center somewhere in XXXX. This is an assumption on my part, but Ive called several times and each time I spoke to a different agent with a very thick XXXX accent. When I asked where they were physically located they said they were not able to reveal that information. The agents informed me to mail or fax copies of the card front and back and also include a copy of my drivers license. I explained I was not comfortable sending a copy of license and would only send it with my birthdate and license number blacked out. They could have my picture and address and see that I had a valid AZ drivers license. Their system was already hacked, I did not feel comfortable exposing myself to identity theft. I mailed the requested documents to US Bank Gift Card Cardholder Services, XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, XXXX. I waited two months and heard nothing. A followup called revealed that they had my information but would not replace the Visa gift card because I blacked out my sensitive drivers license information. They wanted another copy of my license without the blackout. So I sent a copy on XX/XX/XXXX, but this time I sent it certified mail so I could track where my information was going. This enveloped was returned to me No Mail Receptacle, Unable to Forward. I even went into a local US Bank branch to see if they could help me. But they still wanted to send my drivers license information to their XXXX XXXX XXXX XXXX. At this point, XXXX very uncomfortable giving this sensitive information to XXXX Banks XXXX XXXX XXXX XXXX. Its clear to me that that this card information was hacked. I feel US Bank is being unreasonable in admitting that the fraud occurred on their end. Ive even enclosed the receipt from the purchase of the gift card, ( See attachment XXXX ). If you can provide any assistance in getting a replacement {$100.00} gift card I would appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A