Date Received: 2023-03-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard credit inquiry from ELAN FIN SVCSBMW on XX/XX/2023, and I never had any business with this company. I tried to call them but have never been able to speak with a real person. They also use this phone number ( XXXX ) XXXX for my credit report, but this is not my phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84103
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I noticed on my credit report that there are a few bank accounts opened up in my name. I have called these places and they won't help me because I don't have all the information these were opened up in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Debit card being de-activated without notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I NEEDED TO RENT A CONDO AT XXXX XXXX XXXX, SO I CHECKED AVAILABLE CONDOS LISTED ON XXXX. I REPLIED TO AN AD. TALKED WITH XXXX XXXX AT " XXXX XXXX XXXX'. PHONE # XXXX, EMAIL XXXX. SHE SENT ME A CONTRACT FOR THE UNIT WITH ADDRESS, UNIT # AND XXXX PICS OF CONDO. I SIGNED CONTRACT AND EMAILED TO HER. SHE THEN ASKED ME TO PAY TO SECURE CONDO. SHE TEXTED ME A LINK TO PAY HER VIA XXXX. I SENT HER FULL PAYMENT OF {$1100.00} VIA XXXX. SHE REPLIED IT DIDN'T GO THRU AND CREDITED/REFUNDED ME THE AMOUNT. SHE THEN ASKED ME TO WIRE HER THE MONEY TO HER " COMPANY ACOUNT : XXXX XXXX XXXX, NAME : XXXX XXXX XXXX, CHECKING # XXXX, ROUTING # XXXX. BUT I FOUND OUT MY BANK CHARGES {$30.00} FOR A WIRE TRANSFER, SO I TOLD HER I WILL TRY XXXX. SHE GAVE ME THIS ACT INFO FOR XXXX : ( ACCT NAME XXXX XXXX XXXX ). I HAVE NEVER SENT $ VIA XXXX BEFORE, AND DIDN'T KNOW WHAT INFO I NEEDED, BUT I THEN TRIED TO SEND HER PAYMENT VIA XXXX. XXXX COULDN'T SEND PAYMENT TO ACCOUNT INFORMATION SHE GAVE ME. SHE THEN ASKED ME TO SEND HER A WIRE TO " XXXX XXXX, ROUTING # XXXX, ACOUNT # XXXX ). SHE TOLD ME XXXX XXXX IS THE REALTY COMPANY SHE WORKS FOR, SO I WIRED HER COST OF CONDO FROM MY BANK ACT TO THE COMPANY ACT INFO SHE GAVE ME. IT STILL DIDN'T GO THRU. SINCE I COULDN'T GET THE PAYMENT INTO THE " COMPANY '' ACCT, SHE TEXTED ME TO WIRE IT TO HER AND SHE'D PAY HER COMPANY FOR MY CONDO RENTAL. SHE THEN GAVE ME HER PERSONAL ACT INFO AND TOLD ME TO WIRE HER ACT : XXXX XXXX, ROUTING # XXXX, CHECKING ACT # XXXX, ADDRESS : XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX. I SUCCESSFULLY WIRED THE {$1100.00} TO THIS ACT. AFTER THE WIRE WENT THRU TO THE ACT LISTED ABOVE ( I REC 'D CONFIRMATION FROM MY BANK THAT IT WENT THRU SUCCESSFULLY, INCLUDING THE {$30.00} FEE ), I WASN'T ABLE TO GET AHOLD OF HER ON EITHER TELEPHONE # I HAD FOR HER. I EMAILED HER BUT DIDN'T HEAR BACK. I SHOULD HAVE KNOWN BETTER ; KNOWN THIS WAS ALL A FRAUD, BUT IVE BEEN LOOKING FOR A CONDO FOR OUR VACATION FOR MONTHS, AND WANTED TO SECURE ONE. XXXX AND I WENT BACK AND FORTH FOR A COUPLE WEEKS, BEFORE I FINALLY WIRED HER THE . SHE WAS SO CONVINCING ; CALLING ME, TEXTING ME, FEEDING ME ALL THE INFO I WAS ASKING FOR ( SUCH AS WHAT COMPANY SHE WORKS FOR, ETC ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44203
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We have been working with US Bank for XXXX months to prepare for the closing on our new built home. Today XX/XX/17 should be a day of celebration but instead US Bank dropped the ball, didnt collect our documents in a timely manner, and did not send us our ECD until Wednesday which pushed back our signing title to Monday. Not only are we not closing on time but our rate lock expired today also. They informed us we now would have to pay XXXX XXXXXXXX {$30000.00} to buy back down our rate when this whole situation is their fault. As inexperienced home buyers, we feel extremely frustrated and taken advantage of. Here is a timeline of the last month of events per our emails with our mortgage loan office for your review : Monday XX/XX/XXXX I reach out and say 38 days till close and asked if they needed anything from us- XXXX sent us a list of docs they wanted XX/XX/XXXX XXXX sent them all docs. XX/XX/XXXX XXXX replies to that email a week later saying he was out of the country sorry for the delay just getting caught up with 4 items we need. XX/XX/XXXX XXXX responds she needs to rerun credit XX/XX/XXXX We respond ok to rerun credit Friday XX/XX/XXXX XXXX says Hey, We have the new application going these are the updated items we need to get underwriting Sunday XX/XX/XXXX I start working on the docs by emailing our accountant and signing disclosures. I notice the loan estimate is completely off. I emailed XXXX to go over the loan estimate. Monday XX/XX/XXXX XXXX responds he is traveling and will call me later. Sends me an updated loan estimate at XXXX After XXXX calls me and goes over the loan estimate. I go in and sign and acknowledge initial disclosure in our portal. Wednesday XX/XX/XXXX I email saying I'm working on getting these docs. W2 had to come from XXXX tax accountant and final sale from our realtor for the last house. Thursday XX/XX/XXXX ( one week before close ) XXXX XXXX said please send these items as soon as possible as the underwriter need these to review XXXXI send final settlement & XXXX & XXXX XXXX responds we still need these items below, also really need these items asap at this point we are risking not closing on the XXXX '' -I send remaining items Friday XXXX XXXX XXXX responds thank you Monday XX/XX/XXXX XXXX I email that it is closing week and ask for update loan estimate XXXX XXXX emails back at that he is traveling but we got final approval and we need ECD by tomorrow to close Friday XXXX XXXX said we got approval and XXXX final things we need Tuesday XX/XX/XXXX XXXX I sent last XXXX remaining items XXXX XXXX says the requested ECD to be sent today and that after that there is a 4 day waiting period till we can sign Friday ( first time we ever heard about the waiting period for ECD ) XXXX I ask for clarification because we thought wed sign Thursday morning and if this would delay our keys Friday XXXX replies quickly that the best case is signing Friday since the ECD hasnt gone out yet. Waiting on processing to get sent -I reply we do want to push for signing Friday because till said if we dont sign Friday we wont get keys until monday Wednesday Acknowledged ECD XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In accordance with the fair credit Reporting act XXXX U.S Bank N.A DBA Elan Acount # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. Under 809 of FDCPA, U.S Bank N.A DBA Elan had sold my information to debt collector without my written consent, therefore I demand for validate for my original contract with my wet signature on it. The reported I've pulled are not reporting correctly, and still continue to report negative to the 3 credit bureaus therefore I request any incorrect report shall remove/delete from my file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01851
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: First of all, my bank account is a joint account and this alleged interest income was received under my husband 's name only. Bazaar! On XX/XX/2023 I received a 1099-INT form from US Bank XXXX The interest form alleged {$500.00} interest income, which was outrageous for a checking account that earns XXXX cents interest a month. In this lifetime, this amount will never be achieved. I called US Bank the first time and requested explanation as to how this inflated interest income was calculated, based on what exactly. After being put on hold for 30 minutes, the rep came back and told me she couldn't find any basis for that and it was all very strange for this type of basic checking account, even folks who have 6-7 digit savings accounts do not earn {$500.00} interest income a year ; she had no idea where {$500.00} originated so she would submit a request for correction and I would expect it in 10 business days. Fast forward a week, I received duplicate 1099-INT form rather than getting an explanation and correction. I called US Bank again on XX/XX/2023. And again, after being on hold for nearly 40 minutes the rep came back with the same answer that she couldn't find out the origin of this alleged {$500.00}, and it was very strange for a very basic low balance checking account. The man I spoke to put me on hold for over 46 minutes, came back and apologized and said he needed more time to look into this since he could not understand what was going on, after the 2nd hold period, the call automatically bounced to the main line, and another rep answered and asked me how she could help me. I was frustrated at this waste of time and dysfunctional phone system, nevertheless I started explaining the reason for my call over again, when I realized 4 minutes later that the line was dead, no one on the other side of the receiver. I didn't call back and I did not receive a call back. Fast forward another week, I did not receive anything in the mail. I called US Bank again on XX/XX/2023 and spoke to rep named XXXX, who started to read the notes and tried to assist me. She came up with nothing, just like her predecessors, and told me that it was very strange, and the system wouldn't even allow her to submit a correction. She said this was bazaar. How could someone come up with {$500.00} on a checking account earning XXXX cents a month interest. I explained her that I need to file my taxes and I was not able to do it because of US Bank not fixing this egregious bank error on my 1099-INT. XXXX suggested she filed an internal complaint however I have to wait another 10 days to get a response in the mail. Every time I call, I have to wait 10 days to get a response that never arrives, and this effects filing of my income tax, and now because of this bank XXXX XXXX I have to get an extension because I can not afford to file an erroneous 1099-INT, and then pay my accountant to amend it. Knowing how irresponsible US Bank is I am filing this complaint to finally get someone's attention to fix their own mistake, and send me corrected form ASAP, expedited. It has been 17 days now I have been desperately trying to get answers from US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my mortgage in XXXX and every payment since, for almost 3 years, the bank takes almost 3 times as much interest as they say they will on the statement. Every statement has a section called " Explanation of total amount due, '' and in that section it says ~ {$100.00} will go to interest and ~ {$800.00} will go to principle. Then when the next statement comes, in the " Past payment breakdown '' section it says that ~ {$300.00} has been applied to interest and ~ {$600.00} has been applied to principle. I have attached copies of the statements from XXXX so far and can provide more if necessary. I have called the bank multiple times on this issue. They say they are sending it for research then send me form letters claiming they are charging me correctly but do not acknowledge their own statements. Every payment has been auto-withdrawn by them on the due date with no issues since I opened this loan nearly 3 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We are writing to file a complaint against U.S. Bank Mortgage regarding our 1st and 2nd mortgages secured by our personal residence. After promising to provide a modification/refinance solution during the Covid forbearance period, U.S. Bank is refusing to modify/refinance our 2nd mortgage post forbearance. in XXXX of XXXX, we placed our 1st and 2nd mortgages, both with U.S. Bank, on forbearance due to Covid. Before we submitted the forbearance application, we asked what would happen after they were removed from forbearance and we were informed that the loans would be modified and might even include a reduction of principal ( if our income was lower at the time of forbearance resolution ). I was subsequently assured of this multiple times throughout the forbearance period. In XXXX of XXXX, we applied, at our local U.S. Bank branch, for a refinance that would combine the 1st and 2nd mortgages into a single mortgage at the current interest rate, which was 2.75 %. In XXXX of XXXX, we were denied the refinance that would combine the two mortgages, so we filed a case with CFPB. In a letter from U.S. Bank dated XX/XX/XXXX, and in response to the XXXX case, we were informed that the XXXX XXXX would not allow the mortgages to be refinanced while they are in forbearance and that U.S. Bank would work to resolve our situation after the mortgages were no longer on forbearance. We took this to mean that they would modify/refinance after the forbearance period ended as was confirmed verbally over the phone. On XX/XX/XXXX, we received a letter that appeared to confirm in writing what we had been hearing verbally about an eventual modification/refinance post forbearance. In Late XXXX, our income was improving such that we requested our mortgages be removed from forbearance. We submitted " loss mitigation '' applications at that time and we complied with all requests for information for both mortgages. On XX/XX/XXXX of XXXX, our 1st mortgage was approved for a modification which resulted in a much lower int rate ( 2.875 % ) and much lower payment ( 40-year amortization ). We were satisfied with this resolution and looked forward to hearing about our 2nd mortgage. On XX/XX/XXXX, we received notification that our 2nd would NOT be modified or refinanced AT ALL and that our only option was a " short sale ''. We were shocked because expected a loan modification/refinance that would be similar to our 1st mortgage. After 14 months of actively working to end the forbearance ( and US Bank dragging their feet the whole time ), we learned that there is no nothing U.S. Bank could do but a " short sale ''. This is extremely disappointing as very early on we acted in good faith to proactively resolve the forbearance with a refinance that would have resulted in a combined mortgage at 2.75 % int. and a 30-year amortization, but were denied. During the process, we complied in a timely manner with all application forms and information requests. Our financial situation has improved and is now better than it was when our first mortgage was modified, so there is no reason they should treat the 2nd mortgage any differently than the 1st mortgage. We believe we are owed the modification we were promised. We request your help to ensure that we receive what we were promised. Thank you for your assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have been trying to set up automated monthly payments since XX/XX/2022. Something is completely screwed up with US Bank 's automated payment system online that is not retaining the information I input- nor are notes taken or activated from my numerous calls. I have successfully faxed the form on their website to the correct number TWICE and it was delivered both times, but apparently, it was never applied to my account. I thought for sure the payments would be made, but once again they weren't and I only know this when another late payment notice comes the next month. I've spent literally hours on the phone trying to get this addressed and no one ever can figure out what the problem is and I get shuttled around from person to person. This is a very serious problem because not only are they refusing to refund the late payment fees that are not my fault- WHICH IS FRAUD - but the last one was reported to my credit report. I contacted their collection department 2 weeks ago and have not heard a word back from them. The fact that this is a US Bank error was acknowledged, straight up, when several agents agreed that the fax system to set up minimum monthly payments DOESNT ALWAYS WORK. They are then stealing money with the late fees and refusing to pay it back. Now there is also an incorrect mark on my credit report that is NOT MY FAULT. I have spent HOURS and HOURS on the phone and nothing is ever accomplished but paying the past due amount. I call back to set up the payments and then it's not done, which I only know when I get another late payment notice the next month that they also refuse to refund. I sent in the paperwork twice - following their directions exactly and the payments weren't set up either time. I am beyond over this but I am also completely stuck. I am facing some very serious issues that need my time and attention to be on other things. I can't keep sinking all this time into something that should be as simple as clicking a few buttons on their website. I want to make my payments on time and their system isn't letting me and now theyve stolen from me and put a mark on my credit report that was due to their system errors- not mine! This is NOT OK. PLEASE HELP!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A