Date Received: 2023-02-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a biz checking account XX/XX/23 with US Bank. Terms as promised were {$400.00} for {$3000.00} deposit. I called today to ask them about terms before I moved money only for them to tell me the promotion expired XX/XX/23. I signed up for the offer using links directly on USBank 's website. There was no mention of XX/XX/23 expiry on the page and I didn't get any warnings it was expired. I found the link again to offer via browser history and it's still live online with expiry saying XX/XX/23 ( XXXX XXXX XXXX ). A case of false advertising. I attached the disclosures one of their reps emailed me today about the offer that states it's expired. Currently, they have a BETTER offer for {$500.00} for {$3000.00} but refuse to recode my account opening to that one ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have offered them the option of HONORING the terms of their past offer ( which is still live ) or recode my account with the better offer that is also live.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This request is about information that is reporting on my personal credit report from the credit bureau listed above. I am formally disputing this debt and I am requesting a validation of this debt. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. Under the Fair Credit Reporting Act, Fair and Accurate Transaction Act and Fair Credit Billing Act I have a right to request proof that I have a legal obligation to pay the alleged debt to you. Please provide me with the name and address of the original creditor, what services were performed, a detailed history of the account, copies of documents bearing my signature where I agreed to pay this debt. I am pretty sure your company knows that while this account is in dispute, you are not supposed to continue trying to collect this debt or report to the credit bureaus regarding this account. If you do, it will be a clear violation of the FCRA, FACTA and the XXXX. If you do provide me with the requested information, I will require 30 days to review the results, at which time collection activity must continue to be on hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Identify theft social security XXXX some ones stealing from my accounts from the usbank department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank Calculated Escrow payments to include the supplemental property tax for a new construction home. I let them know XX/XX/01 about the new amount which i had just enough in escrow. US bank took XXXX, charged me an advance, and then charged me interest on that advance. They said they with-drawled and payed the county but they did not. It's been two month and about to get a second property tax delinquent notice. A manager said that I was supposed to get the advanced back. They incorrectly with drew XXXX in additional which triggered the advance + interest charge. On top of all that they didn't pay the county. They wont provide me with the tracking id since they said they couldn't pay electronically and they have to mail the physical check. With Late feeds instead of XXXX taxes, the county says i owe XXXX. Now they don't pick up when I call. I still pay my mortgage but I will have a lien on house to failure to pay property taxes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Dear I was reviewing my credit report a couple of days ago, and I was shocked that there is a negative item thats fraudulent reporting on my credit report without my consent from your company, which was allegedly opened on XX/XX/2022 without my consent, and there is a current value of around {$560.00}. Obviously, I never applied for this account, nor did I authorize anyone to apply on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/2022, I opened my US bank checking account with the bonus offer code XXXX, and met all the offer requirements in order to receive the {$500.00} bonus with a couple of month. However, no bonus was posted to date. I contacted US bank in XXXX and they opened an investigation for me. Today, I received a letter dated XX/XX/XXXX from US bank customer care specialist denying my offer, with the reason being I opened this account thru an alliance website. This was not disclosed during the account opening process and the promo code XXXX was accepted without any issues. There were no terms in the bonus offer that specifies that the bonus offer can not be applied for accounts opened thru an alliance website. Therefore, I request US bank to honor the bonus offer and credit the bonus immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: State Farm XXXX US Bank XXXX XXXX XXXX, XXXX, ND XXXX sent me a letter inviting me to apply now for a special credit card offer only good until XX/XX/2023 via the United States Postal Service presorted standard postage paid that I received on XXXX, XX/XX/2023. The letter states that I am offered 0 % Intro APR* on purchases and balance transfers for 18 billing cycles. The letter contains the following personal message : Dear ( Name Redacted ), We hope youre enjoying your current State Farm credit card. As a valued customer, youre invited to apply for an additional offer - the State Farm* Good Neighbor Visa* Card. With beneficial safeguards for auto, phone and more, plus a low intro rate offer, this is a smart way to pay! Here are the details : Auto Deductible Reimbursement. Get up to {$200.00} of your auto policy deductible reimbursed. Cell Phone Protection. Receive up to {$600.00} of annual coverage for damage or theft. No Annual Fee*. Save money with no annual fee. We invite you to act now and take advantage of this low intro rate and the beneficial safeguards offered with the Good Neighbor Card. This card and all its benefits are provided through U.S. Bank. StateFarm / USbank. Apply now use this confirmation code : XXXX Visit : usbank.com/statefarmcardoffer Call : XXXX Complete and mail the enclosed application. * The 0 % introductory APR applies to balance transfers made within 60 days of account opening. A balance transfer fee of 3 % of each transfer amount ( {$5.00} minimum ) will apply. I applied for the credit card offer online using the link advertised in the letter. I received an online response that my application was in review. After having waited all weekend to hear more about the status of my application, I called the phone number on the letter and spoke with XXXX XXXX. XXXX instructed me to call XXXX to find out the status of my application. I called that number and spoke with XXXX who agreed with me that someone with a credit score as high as mine and with an income considered to be in the upper income range of those living in the United States should not have been declined and suggested that I wait on the line to speak with someone in credit card underwriting with U. S. Bank. I waited for just under one hour on hold listening to piped in music until, finally, XXXX answered. XXXX listened to the same input that I had given to the two previous employees I spoke with today and agreed to submit my application for further review based on my longstanding and good relationship with both State Farm Insurance Company, where I own a life insurance policy that I have been paying premiums on for almost four decades, and U.S. Bank where both me and my wife have open credit cards existing for almost a decade. XXXX said that it will take two to three business days to find out whether I will be approved for the credit card offer because the reason given her that I was turned down is because of too many new open lines of credit within the last XXXX months. I explained to XXXX that all of the new credit lines were from my taking advantage of credit line offers I have received in the mail like from XXXX XXXX last week who invited me to open a personal line of credit for {$20000.00} for which I applied and was approved. I am using the line of credit as overdraft protection on my checking account at XXXX XXXX. The week before that I accepted an invitation from XXXX XXXX to open a credit card with XXXX XXXX through XXXX XXXX. I own XXXX vehicles that require maintenance so I took advantage of XXXX XXXX credit card offer and was approved. I maintain XXXX balances on the majority of my credit cards and am currently using only seven percent of my available credit lines that total over half a XXXX dollars. I am surprised that State Farm / U. S. Bank declined my application and am writing to ask you for help obtaining the credit card I should be approved for based on my income and excellent credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a covid-19 mortgage forbearance and was told there would be options when the forbearance ended. At this time the average interest rate was about 3.5 % The only option US Bank gave me was to do a short sale. They said I did not qualify for any other options, or pay the full amount due to avoid foreclosure processes. When I called to discuss the matter, the rep told me that I could not appeal the decision as they provided the reasons, and she was documenting that I was declining the short sale option they gave me. I was denied an additional forbearance for unemployment after the covid forbearance because they said my account was due more than 11 payments. Options listed ; HAMP loan modification denied : the modified payment would exceed the target payment, which does not meet program guidelines. What does that mean? Stand Alone partial claim : based on current market rate, the interest rate on this account is higher than market rate, which does not meet program guidelines, & Your current payment is greater than target payment which does not meet program guidelines. HAMP Combo Modification payment after modification created a housing to income ratio greater than 40 % does not meet program guidelines. Repayment plan not approved unable to create an affordable monthly payment to meet program guidelines. Dead in lieu not reviewed. They said well I'm not working and my credit score isn't good anymore. I seen on your site and had previously heard HUD/FHA does not require lump sum repayment at the end of the forbearance, but this is what they were demanding to stay in our home. I do not see that I was ever evaluated for any COVID-19 Recovery Home Retention Options per the documents received, such as COVID-19 Advance Loan Modification ( ALM ), COVID-19 Recovery Standalone Partial Claim, COVID-19 Recovery Loan Modification etc. I thought these options were to help me and my kids keep our home not lose it and become homeless. The only option that I was given was to pay the full balance within 30 days and that partial payment may not be accepted, or to sell. This process caused sever suicidal ideation, and I wanted to admit myself into a hospital but would have lost my home before being released. In XX/XX/2022, I was able to get assistance from the Arizona Housing Assistance Fund ( HAF ), but it was not enough to cover everything owed, and because Arizona set a max of {$25000.00} and had also helped with utilities. Per the rep helping me with HAF I had to call the bank to ensure they would take the partial payment and asked again about how I heard the balance could be moved to the end, and was there any way part of the payment could be used for future payments if we can do this and they said no. After US Bank accepted the HAF funding I got a call about the balance. During that call the lady said I now qualified for a loan modification. I asked how I didn't qualify a few weeks ago but now that they took all the funding I magically qualify. She said because my hardship had been resolved. I told her it had not but ok. She said I had to agree to the modification over the phone and there was nothing I could review before agreeing even though I told her I was dealing with mental health issues and wanted to make sure I understood everything. However She said if I wanted to lock the rate of 5 % in I had to agree now. Seeing how fast rates were going up I felt I had no choice but to agree. When The documents came the rate was 5.5 % and the balance was larger than on my statement. I did not understand the calculation. The man tried to explain over the phone but it still did not make sense. He put a supervisor on the call who went over it again. I told him I still did not understand where these numbers were coming from. He said the rate is 5.5 % now even though I had to agree on the last call. This took the payment from aprox. {$1000.00} to XXXX I asked him out of the {$1300.00} how much was going towards the principal as the payment details were not broke down on the documents like on my statements. He kept insisting that over {$500.00} was going toward the principal. I told him over and over again that didn't make sense as my interest rate was 6 % and only like {$230.00} goes toward the principal and if the principal was going up my house would be paid off twice as fast not over the same time period. He continued to insist he was right and his calls were recorded he is a supervisor, so I told him I would call back for an adjustment when I got my statement. Of course my statements show that {$200.00} is principal. This made me feel even more unsecure about the mortgage contract and said I would go into the bank for hopes of better understanding. I went to 3 branches and none had anyone to speak to about mortgages. I was given a card for the district manager to call for help. She said she retired 3 months ago and moved to XXXX. This was a Friday and the documents had a deadline of Sunday. I called the bank to see about getting an extension on submitting the documents and was told this was not an option. I underdress I went back to the bank first thing Saturday morning to get the documents notarized and they said they were booked up and could not help until Monday. I explained the documents had be sent XXXX by Sunday and they just apologized. It ended up costing {$200.00} for notary services. I did not have {$200.00} I had {$20.00} and fell into a full blown XXXX XXXX in fear of losing the house. A stranger in the store offered me a loan. Fast forward my XXXX appeal is still under medical review. I again submitted for assistance as I have had COVID twice and the flu once since doing the modification. US Bank again has only offered me a short sale. I am not employed as I became XXXX and awaiting social security appeal review. I was denied a unemployment forbearance because they said I am not unemployed. And again none of the options listed on the loss Mitigation summary are any of the COVID options. I feel that US Bank has not been helpful at all in trying to help me keep me and my family in our home due to circumstances of the pandemic, health issues and has cause me additional health issues. My children are also displaying XXXX and XXXX symptoms as we don't know how long we will even have a home and are with out a vehicle to go anywhere right now. I am sure that US bank took covid relief but now are not wanting to comply for homeowners. Im sure they would love to foreclose on my house with the current equity. Unfortunately because of my credit I cant access my equity to help me catch up on bills. I already tired to apply with US bank for an equity loan. Please help us!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: The Mastercard branded gift card product that states on the front of the card " A GIFT FOR YOU '' issued by U.S. Bank National Association and managed on XXXX violates the clear and conspicuous requirements of 12 CFR 1005.20. The card on the back in extremely small font indicates the inactivity fee associated with 12 months of inactivity. The fact that they found the need to significantly increase the font size of just the inactivity fee amount in comparison to the rest of the text evidences that the company issuing the card was likely aware that the actual text of the disclosure language was not conspicuous. We were gifted {$75.00} dollars on two of these types of gifts ( one for {$25.00} and one for {$50.00} ). The entirety of the balance we were gifted was paid in service fees because we kept them without using them for a period of several years. When we called to inquire about transactions on XXXX XXXXXXXX XXXX the representative then pointed to the language on the back of the card and did not offer to resolve our complaint in another manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68144
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: I taped me & the Elan Reps conversation over the phone about the XXXX XXXX XXXX charge dispute and the Elan Representative is lying about our conversation : I put her on hold for a quick minute and then I came back to the phone and she was still holding, but I sat up there and said hello for 5 minutes and the Elan representative didnt say a word! So the Elan Representative is telling a big lie in her response to my complaint, and I have a recorded conversation on my tape recorder showing the Elan Reprentative is lying! I tried to respond back, but I just saw that I only had until XX/XX/2023 to respond. Somehow I thought I had until XX/XX/2023 to respond! But since Elan Representative lied in their response about what actually happened between me and her then I believe they lied about sending documents out to me about the XXXX XXXX XXXX for {$2400.00} to me, so they wouldnt get documents back from me, so they could take the provisional credit off for {$2400.00} and recharge my account for the {$2400.00} : because I did get the documents saying they had charged my account again for the {$2400.00} charge, so I think that Elan Financial Services should be made to immediately credit my United Community Bank Visa card for the XXXX XXXX XXXX charge for {$2400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A