Date Received: 2023-04-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I, XXXX XXXX submit this complaint against U.S. Bank N.A. for wrongful foreclosure on my mother XXXX XXXX XXXX . I had unsuccessfully attempted to pay the unpaid mortgage payments and set up an automatic draft payment. I was wrongfully denied. After I was denied the opportunity to cure the loan. I made a written qualifying request to U.S. Bank CEO by certified mail after four weeks I have yet to receive any response from this bank. My mother XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/2020 this brought on a great deal of emotional stress and XXXX for my family and me. Now! Dealing with this wrongful foreclosure without any remorse from the bank has made this struggle unjustifiable. Being a senior myself, this unnecessary fight has taken a toll on both my mental and physical assessment of my body. The bank attorney-in-fact informed me to get a bondI took his advice after receiving my bond I filed it with the XXXX County Court Division , as well as submitted a copy to U.S. Bank. I was discriminated against for attempting to save my mothers estate. U.S. Bank failed to allow me the opportunity to cure the loan. I believe I was abused due to my age after several attempts to fix the loan thats when I realized I just became a victim of Elder Abuse for Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Good morning my name is XXXX XXXX, when I recently checked my credit report, I found several unknown inquiries for personal loan, and recently somebody successfully obtained XXXX XXXX XXXX personal loan under my name from US Bank. Additionally, I do not live in United States and, I am not citizen or permanent resident, last time I visited US was in 2021 ( all supporting documents in attachments ). This situation is feels like my identity have been stolen to do this criminal activity, that is why I have filed identity theft report and police report. Reason for filing this report is to ask US Bank to investigate this situation and help me to recover from this situation. Below are the details of that account US Bank loan number : XXXX First and last name of victim : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I wanted to close my checking account at U.S. Bank ( U.S. Bancorp ). I firstly transferred out all my money ( total {$1500.00} ) from my checking account on XX/XX/XXXX. On the same day, I called U.S. Bank ( U.S. Bancorp ) service center to close my checking account. The representative of U.S. Bank ( U.S. Bancorp ) refused to close my checking account on XX/XX/XXXX. The representative said that I had {$1500.00} transfer with pending status and asked me to call them the second day. I followed their requirement and called their service center the second day ( XX/XX/XXXX ) and asked them to close my checking account again. Another representative refused to close my checking account again. The representative told me that they would not close my checking account if I dont pay them {$6.00} fee. I told the representative that this fee was not shown on my U.S. bank app yesterday ( XX/XX/XXXX ). I already informed U.S. bank to terminate my bank service yesterday XX/XX/XXXX. They never charged me any fees before. It is not reasonable to charge me fees when I want to close my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/XXXX I tried to contact US Bank to obtain bank statements for all of my closed accounts due to a pending divorce. After being on the phone for over 2 hours and after being transferred numerous times, I was told they only had record of one of my accounts ( I believe I had 8 accounts ). I was able to give them the account numbers for other accounts but they claimed they did not have any records. My savings and checking accounts were listed on the one account the bank was able to find, yet they still claimed they had no record of the account. I closed the accounts in XXXX and need documentation in the form of statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 Elan Financial report to the bureaus that I had late payments these months. On XX/XX/XXXX I disputed these derogatory items with Elan Financial and all of the late payments were removed. On XX/XX/XXXX the derogatory items were replaced on my credit reports. According to FCRA U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. FCRA 15 U.S.C 1681 b, subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And according to FCRA 15 U.S.C 1681 ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681 XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We got scammed trying to rent a home. Someone was posing as a real landlord. We sent electronic payments through XXXX and the moment that we realized it was a scam we contacted the bank and opened cases for fraud and also informed the police as well as XXXX. The bank credited us {$1500.00} which was half of the money that we lost while they did the investigation. After that it was determined nearly a month later that the charges were not fraudulent and they would not be returning our money and instead would be debiting back the money that they credited us from our account. We sent 90 documents of proof including emails transaction reports text messages and screenshots to the bank along with a letter asking them to reconsider and explaining the scam and fraud. We can not pay our rent at our current home now, have 4 small children and no money. We got completely screwed and the bank wont side with us. Weve been long time customers for 15 years. All transactions were to the same merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Back in the day when I first joined US Bank NA, I was working in my good merit to achieve the US BANK Cash Rewards + credit card. And they denied me it, with my amazing credit profile I already had established prior, and excused that I had to begin with THEiR secured Visa credit card, first. Which included putting aside MY MONEY, then pay the annual fee, then wait and then apply again for the Cash+ card which would require ANOTHER hard inquiryTHEN when it came to pass I was worthy of the Cash+ credit card. And because I already opened an account with DIFFERENT credit card, I was told I lost my {$100.00} off first {$500.00} spent promotion using that card. But its whateverIm over it. That was just a XXXX move.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, In XX/XX/XXXX I received a promotional letter from my State Farm agent, XXXX XXXX with a time-limited offer ( through XX/XX/XXXX ) to receive a {$500.00} bonus for opening a new business checking account at U.S. bank with three steps to qualify : 1. Open a new U.S. Bank Business Checking Package using promo code XXXX. 2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or U.S. Mobile App within 60 days. XXXX XXXX 's State Farm XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Phone number is ( XXXX ) XXXX. His email is XXXX On XX/XX/XXXX I opened an account at US bank at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX with the promotion code XXXX indicated in the promotional letter. On XXXX XXXX XXXX XXXX I transferred or deposited in person {$100.00}, then, {$500.00}. and last {$4500.00} from my XXXX account, effectively bringing the account balance to {$5100.00} The following XXXX transactions were made, deducted, from the account : XX/XX/XXXX {$30.00} XXXX XXXXe ( U.S. bank debit card enrolled ) XX/XX/XXXX XXXX {$19.00} ( U.S. Bank debit card used ) XX/XX/XXXX XXXX XXXX {$6.00} ( debit card ) XX/XX/XXXX XXXX {$18.00} ( debit card enrolled ) XX/XX/XXXX XXXX {$21.00} ( debit card enrolled ). In XXXX and XX/XX/XXXX, I called U.S. Bank Customer service and requested the {$500.00} bonus to be credit to my business account as I fulfilled the terms of the promotion and expected the U.S. to follow the terms of its offer. The promotion code was allocated by the customer service but, as of today, XX/XX/XXXX, I have not received the bonus from US bank. Between XX/XX/XXXX and XX/XX/XXXX, I sent multiple emails to XXXX XXXX Until today there is no bonus still. At first, the email from XXXX stated that " the entire team in the U.S. Bank working on this matter for him '', but then, after I called again in XXXX days, I received an answer that I didn't fulfill the requirements?! I called the US bank multiple times, went in person and emailed and called the State Farm agency as well, but to no avail. I consider the offer I received a binding business contract. I would have earned an interest on this {$5000.00} deposit at a different bank. Instead, U.S. Bank used my money for FREE under the false pretext of me not fulfilling the terms of the offer. The first excuse of the U.S. Bank from a U.S. Bank representative at the branch was that the transactions I made " didn't qualify ''?! and the second one, completely different one, was from XXXX, as he stated that the U.S. Bank issued this offer as an online offer ( his email to me on XX/XX/XXXX ). There was no indication on the first page of the letter ( including the three steps required for this offer ) of the online ONLY type of opening the account to qualify for the terms of the offer. Back in XXXX, Union Bank tricked me in the same way with no bonus and used my funds for free. It seems this type of fraudulent business practice has gained popularity among the banks and goes unpunished by regulators. I fulfilled my side of the contract. I opened an account and kept the money there. I consider a failure to deposit the bonus to my account a breach of contract. Thanks for your help 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: 92078
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ELAN FINANCI. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ELAN FINANCI for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70118
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
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: In the month of XXXX I noticed that there was a whole bunch of un- authorized charges on my credit card which was apparently done in XXXX XXXX , I immediately contacted the number was on the back of my credit card and disputed those charges which were close to the amount of {$11000.00} and I asked the person from the credit card company who was taking the notes from me if I need to make a police report and she told me No! you don't need to police report everything 's going to be taken care of by us. At that point they shut down my credit card and sent me a New credit card number with all the fraudulent charges reversed. About three weeks later the fraudulent charges were put back on the credit card. I contacted them back again with the number on the back of my credit card and I asked them what happened and they told me that the charges were placed back on my credit card, and I asked them why? And I was transferred to a supervisor by the name of XXXX XXXX and he told me that the person who originally took my report originally were new and they did not know to instruct me to do a police report when I called the first time. Then he said they can't reopen the case again until I file a police report, so What I did the following day was make a police report and I faxed them a copy of it which is in my fax machine and says it was received by the by the bank and also send them certified mail which showed up it was received by the bank and nothing was done on their part at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A