Date Received: 2023-02-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind on mortgage payments in XXXX for several reasons, the main being a hit and run car accident and XXXX. I contacted USBANK ( the mortgage holder ) to try and work out a plan to catch up with payments, and they put me on a plan that increased the monthly payments for 3 months to cover the months that I missed. This was a bad plan, as I did not have these larger payments in my budget, so I started spiraling in debt. I contacted XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), received counseling, and they got me set up to apply for the MD HAF program. I officially applied for MD HAF on XX/XX/XXXX, and I called US BANK to let them know. MD HAF officially accepted my application on XX/XX/XXXX. On XX/XX/XXXX, the MD HAF portal showed that my application was with underwriting and they had sent a request to USBANK for more information. I called USBANK to confirm that they were sending requested documents, however I was told that they ( USBANK ) had received communication from HAF and that they ( USBANK ) was proceeding with a foreclosure. I received an NOI in the mail. I contacted USBANK many more times between XX/XX/XXXX and XX/XX/XXXX - always the same conversation - Me telling them that MD HAF is in underwriting, and them telling me that my house is in foreclosure. They hired a foreclosure attorney. I spoke with a representative from HAF on XX/XX/XXXX, who told me they have sent document requests on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still have not received the requested documentation. USBANK is pushing through a foreclosure while I am trying to get housing assistance, and they are not complying with MD HAF requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: This is a follow up to complaint XXXX. US Bank was able to send out 4 new cards ... ... .but they all came deactivated and when calling to activate the customer service rep says they need to replace the card. This is obviously not okay as I've already tried to replace 5 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48642
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A reaffirmation was signed and filed with the US bankruptcy Court on XX/XX/XXXX. US Bank is not reporting our payment history properly to the credit bureaus. They have reported our Mortgage as being closed. It is very much open and in good standing. Our reaffirmation is proof of that. We have sent three letters requesting US Bank update their credit reporting, and send us a full account history of our mortgage from XXXX XXXXto present. In there latest response dated XX/XX/XXXX. XXXX, they refused to update reporting and stated the information request was confidential, proprietary or privileged. Any such documents are not being provided. I being the mortgagee am entitled to information concerning my mortgage. There lack of reporting correct information has had derogatory impact on my credit. I have had to pay a higher interest rate on a new HVAC system. This is unfair credit practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68005
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 my Fidelity " aka '' Elan Financial Svcs was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called Fidelity and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a zero balance. On my next statement I get a {$25.00} charge from Fidelity " aka '' Elan Financial Svcs saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? Fidelity " aka '' Elan Financial is XXXX XXXX XXXX XXXX I never made the Fraudulent purchase and they are reporting me delinquent to " XXXX '' who is upholding their decision. XXXX has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I lost my home to foreclosure over 7 years ago. US Bank was my lender. The last payment was XX/XX/XXXX and the auction was XX/XX/XXXX. The 7 year time period has lapsed. It must be removed as the date of first delinquency has long since passed, as has the actual date of the foreclosure itself. Per the Fair Credit Reporting Act ( FCRA ), the mark must removed. I have contacted XXXX, XXXX XXXX, and XXXX. All simply " verified the information '' and took no action on it. I will hold US Bank accountable legally for continuing to report this past the statute of limitations provided by the FCRA if they do not remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
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: I have a credit card from US Bank and I receive a statement for a {$2500.00} dollars purchase, but I wasnt me because at the time of the purchase I didnt receive my credit card ( I applied for the card I have approve but at the time of the purchase i didnt received my card ) I put a dispute with the bank and they said that I have to paid for that charge, am going to do a police report because I wasnt me who spend that amount of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/22, I opened a checking account at U.S. Bank. For the first couple of months, my maintenance fee was waived in accordance with my account agreement ; however, on XX/XX/22, I was charged a maintenance fee that was not waived, but received no notification. U.S. Bank continued to charge me a maintenance fee despite never notifying me that it would no longer be waived. In total, the fees amounted to {$76.00} over the past year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello- I am writing in regards to XXXX XXXX practices being levied on me by XXXX XXXX XXXX. I have XXXX XXXX XXXX with XXXX XXXX. My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$4300.00}. My minimum payment due was {$71.00}. I made a {$400.00} payment on XX/XX/XXXX. My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$5700.00}. My minimum payment due was {$840.00}. I made a {$1000.00} payment on XX/XX/XXXX. My XX/XX/XXXX XXXX for billing period XXXX had a balance of {$6000.00}. My Minimum payment due was {$1100.00} because my credit limit on the account was {$5000.00}. I was {$1000.00} over my credit limit. This was because I made a return on XX/XX/XXXX and I had been waiting for a credit back to my account for {$1100.00}. After 2 weeks, I called XXXX XXXX support and they told me they processed the credit back to my XXXX XXXX XXXX account on XX/XX/XXXX. XXXX XXXX XXXX told me they did not get the credit back to my account until XX/XX/XXXX. I called XXXX XXXX XXXX asked for a credit limit increase and it was denied. When I received my XXXX statement, it showed I had a XXXX XXXX of {$1000.00} due. I called XXXX XXXX XXXX Customer Service about the large minimum payment ( {$1000.00} ) due on XXXX Customer Service Representative told me that the Target Credit of {$1100.00} had already been received, and had been processed, which put me below my credit limit and that I no longer needed to make the {$1000.00} minimum payment. She stated she was going to make a note in my files that I did not need to make the {$1000.00} minimum payment because my balance was {$4800.00}. I made a total of {$160.00} payments for the month, similar to what I was paying in XX/XX/XXXX. I just received my XX/XX/XXXX statement for billing period XXXX. My balance is {$4800.00} and my minimum payment due is {$1000.00}. I immediately called XXXX XXXX XXXX Customer Service and asked why my minimum amount due is so high. After being left on hold for 20 minutes, the Representative told me she needed to transfer me to a Supervisor. I was place on hold for another 20 minutes. When the Supervisor got on the phone with me, I asked why am I being required to pay 25 % of my balance in 1 month? ( i.e. {$1000.00} of a {$4800.00} balance ). She said that I was supposed to pay XXXX more dollars the previous month and that was being carried over into my current billing period. They also charged me a XXXX XXXX XXXX for not paying the {$1000.00} minimum payment in XXXX- even after they told me I did not have to make that huge payment because the target return/credit covered that amount. This organization is practicing predatory lending. It is unethical to charge someone a {$1000.00} minimum payment on a {$4800.00} balance. Their Customer Service flat out lied to me, told me they would make a note in my account about the conversation and that I did not have to make a {$1100.00} payment in XXXX because the {$1100.00} return credit covered that amount I would like to file a formal Predatory Lending complaint against XXXX XXXX XXXX and Mini World XXXX. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Valley Bank called after hours and demanded payment. I attempted to explain that I can not afford to pay its high interest rates and that it is charging me a late fee for each and every month of a running balance. I said either they lower the interest rate or I shall be forced to declare bankruptcy!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
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 have submitted a fraud dispute to US Bank Voyager for my Multi-Service " local '' Fuel card # XXXX. I have attached all the documents including the police report. I have rec 'd an email today stating that they are refusing my fraud claim for the following reasons : Your dispute case with Voyager has been denied. Please see below reason for denial : Proper use of fraud controls were not in place at the time fraud occurred : The Voyager Network Rules require a daily swipe, daily dollar, and monthly/cycle dollar limit. My cards were all replaced as of XX/XX/2022 because the old ones expired. I had a daily swipe limit of 5 and a daily spend limit set. If all parameters reset with the new cards I was not aware. I have called to voice my concerns regarding their denial. NO resolution was offered. This is a large amount for me to be out and I have never filed a dispute with them and have been a customer for years.
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: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A