Date Received: 2023-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XX/XX/XXXX, I sent a letter to US Bank inquiring about the processes for 100 % XXXX Veterans and their Mortgages. I was told once US Bank verified the 100 % XXXX Veteran status with the XXXX XXXX XXXX 's office they'd conduct an Escrow Analysis. I sent them the Certificate as well from XXXX XXXX XXXX XXXX XXXX. US Bank received my Tax bill for XXXX in XXXX and conducted an Escrow Analysis. But my XX/XX/XXXX was still {$1000.00}. XXXX 's payment was reduced to {$790.00}. However, XXXX 's payment is {$960.00}. Upon conducting the Escrow Analysis, US Bank sent me a check for the Escrow overage. Upon contacting US Bank on XXXX XXXX XXXX, 30 minutes on the phone still did not yield me any answers as to why my mortgage payment keeps changing. I was told I'd receive a phone call within 48 hours. To date, no one from US Bank has contacted me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XX/XX/2022, I sent a letter to US Bank regarding check # XXXX for {$1300.00} written on XXXX XXXX XXXX at the XXXX, Ohio location. I asked the Teller to distribute the {$1300.00} in the following manner : 1. {$1000.00} for Mortgage 2. {$240.00} Escrow Shortage 3. {$50.00} Credit Card 4. {$20.00} Extra Principal What he did was applied the following : 1. {$1000.00} for Mortgage 2. {$50.00} Credit Card I went back to the Bank and was told that locally they couldn't do anything. I sent the letter inquiring about what could be done and followed with a phone call. As a result, I was bombarded with telephone calls and correspondence regarding Loss Mitigation from US Bank. I was even assigned a Counselor!!! Unfortunately, the matter in which I was seeking assistance with was never addressed by US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$900.00}. I strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. They even blocked my online account access after reaching out to them. I started using the card recently and was surprised to find out that my credit limit had been reduced without any prior notice. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase. I totally didnt receive these statements or notices, so as a responsible Credit user I called to check on what was going on. I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, given that I was not aware of any missed payment or overdue balance until I called in to find out where the statements were and the credit limit reduction. Additionally, there were several errors on their end, such as misspelling of my name on the online account, which further complicates this situation. I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00}. I believe this is a fair and just resolution. Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive tried to to contact for information & proof of debt and non payment history and have not been contacted back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX, I received a Mastercard from US bank ending in XXXX which I never applied for. I contacted US Bank and have closed the account and opened an investigation. They told me the account was opened around XXXX on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: https : XXXX USBANK states mobile deposits are available. but usbank states the features are unavailable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX XXXX XXXXXXXX Usbank states a maintenance fee will be " waived '' if certain conditions are met by the consumer as stated on the deposit agreement. In reality us bank still charges a maintenance fee of XXXX and also applies a XXXX credit maintenance fee reimbursement. " Waive '' means to refrain from doing something. In usbank 's case waive means applying 2 transactions to account. 2 transactions do not qualify to be a " waive '' or a " waiver ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my credit card was paid in full XX/XX/XXXX XXXX and this is not the first time for the fidelity bank card not the banks care i sent messages to all three reporting s ags i just finished going in the program national debit relief after XXXX years they got me involved in a loan with reach i have been paying everything down the car loan i had a covid contract to pay interest only and i got hit with a late payment all of this i am and i try ed to talk to bank and credit cards i am on XXXX and pay on auto every month this system has to change the little people are getting hit hard i have talked to both credit cards company 's and banks and expire n XXXX and XXXX XXXX credit reporting people i don't know what to do next please help i am not the only XXXX out there with this problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023 my public benefits card was fraudently used to withdraw {$800.00} from a US BANK located on XXXX XXXX XXXX, XXXX, CA. This occured 26 minutes after the state issued my benefits. My card has been in my possession at all times and it has never left my sight. I want to know how someone was able to obtain cash from a card at a bank atm when the card has been with me at all times. How are they bypassing the system at US BANK?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I made a PURCHASE of {$750.00} at XXXX using my DEBIT CARD and PIN. However, the purchase was canceled right away and the merchant ( XXXX ) informed that the funds will go back into my account. On XX/XX/XXXX, I filed a merchant dispute and it was denied. I called and asked why it was denied and nobody could give an answer. On XX/XX/XXXX, I refilled the dispute and explained that my purchase with XXXX was canceled by XXXX but they never refunded my funds back to my account. US Bank denied my claim and refused to tell me the reason why. Because it's within my right as a customer to request information, I formally requested that they send me the INFORMATION based on which they made their decision to denied my merchant dispute. However, they never provided me with the information. As of today XX/XX/, I have not received the documents or information US bank used in the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A