Date Received: 2024-01-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: A check was deposited for the amount {$5000.00} on XX/XX/2023 in my account it was cleared and on XX/XX/2023 bank closed my account and said you will get this money by cashier check in the mail. Now its more than a Year and bank is saying that we will send this money back to sender but after visiting branch many times banks is not sending money back. I want this money back to me or sent back to the sender. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. Please help us to get our money back. Thank you My Details : - Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have been trying to cancel an unused Elan Financial Services credit card for years. My cousin opened the card for a business we used to have with both our names on it and it has not been used in many years. I have tried to cancel it and they tell me my cousin needs to call since he opened the account. I spoke to my cousin as recently as yesterday and he said he is also getting nowhere trying to cancel the card. I got a letter at one point from the credit card company saying that because it had not been used for so long, it would be cancelled. But that didn't happen. They issue service charges every year to keep the card open and up to this point I have paid them, but it is like I am being held XXXX. This is an old, unused card that we want cancelled. We just want the card cancelled and are getting nowhere with the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. I have requested proof of these accounts with no response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: So I opened my checking account with Union Bank on XXXX the middle of the year I start using my card and I was paying a lot of fees for not having enough funds on my account so they give me the option to get withdrawal protection of paying {$33.00} a month and the amount that I spend I didn't notice that I was paying more than {$2000.00} a month of when I try to get a refund Union Bank never replied to me now it cost XXXX XXXX I try to open a loan with XXXXXXXX XXXX and automatic they send me a check of {$800.00} I go to the bank I told the guy on the bank that it's more than XXXX what they owe me and he told me you're lucky they give you that amount because they only give you 3 months behind I don't think it's fair that they don't want to refund me the money I was with them since XXXX into XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: An account was attempted or opened with my social security number it appeared on my credit report. They did not give any details accept it was applied for with my social security number!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: U.S. Bank persistently misrepresents my information to all three credit bureaus. Despite notifying them that the reported account does not belong to me, they closed the account but inaccurately labeled it as " closed '' on my credit file rather than removing it. Furthermore, U.S. Bank reports an address they know is not mine and potentially was used to open the fraudulent account. uS Bank has also refused to provide me with a copy of the signed credit application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US BANK suddenly decided to freeze my account with my money in it. After numerous calls I was finally transfered to the right department the agent only told me my account with my money innit is being closed and I will receive the funds amd a letter from them explaining the account closure in 3 MONTHS!! I HAVE BILLS I NEED TO PAY TODAY!!! But they don't care about the customers!!! I spoke to someone else who said it's due to unsuccessful login attempts ( me ) and for a couple XXXX transfers to my other bank account which I confirmed that was me and it still doesn't matter they are closing my account and I will get a check from them and a letter in About 3 months so I have to wait until then to get my money back. I HAVE BILLS TODAY AND ALL MY MONEY IS IN THAT ACCOUNT FROZEN FOR UPTO 3 MONTHS!!! I will tell everyone I know about this and to switch Banks. NEVER TRUST US BANK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: Summary of Issue : 1. US Bank bought my current mortgage from Union Bank earlier this year. XXXX. In early XXXX, I was contacted by XXXX XXXX, who was a Private Mortgage Banker for US Bank based in XXXX California. He offered me a no-cost mortgage refinance under US Bank 's private wealth group. I communicated that I wanted to move forward with the Interest Only ARM option at a 5.75 % Interest Rate. ( see attachment of e-mail ) XXXX. On XX/XX/2023, XXXX XXXX sent me an e-mail requesting certain information be sent to him to lock in the refinance interest rate / APY. I was offered two ARMs, one principal and interest and one interest only. XXXX. On XX/XX/2023, I sent XXXX XXXX all the information requested to lock in the refinance interest rate. XXXX. On XX/XX/2023, XXXX XXXX responded confirming he received all the information necessary to lock in the rate. XXXX. Around XX/XX/2023, my wife and I e-signed all the documents to process the loan through underwriting. We signed U.S. Bank paperwork affirming the 5.75 % interest rate. XXXX. On XX/XX/2023, I received an e-mail from US Bank stating our refinance mortgage was " conditionally approved based on an initial review... [ a ] member of your loan team will be reaching out to help assist you with documentation requirements. '' XXXX. Around XX/XX/2023, I also paid US Bank a {$390.00} fee for an appraisal of our home. An appraiser who did not act professionally came to my home and performed an appraisal. XXXX. On XX/XX/2023, I received an e-mail from XXXX XXXX XXXX, an associate of XXXX XXXX, stating that underwriting had issued conditional approval but needed additional items to complete my file. I provided all the documents requested on XX/XX/2023. XXXX XXXX XXXX sent me an e-mail stating she received everything. XXXX. On XX/XX/2023, I sent additional information requested by XXXX XXXX XXXX and I received a confirmation from XXXX XXXX XXXX that she received the information needed. XXXX XXXX XXXX 's e-mail stated " Received. Will review and let you know if anything else needed. '' XXXX. On XX/XX/2023, I received an e-mail from XXXX XXXX XXXX stating : " We are waiting for underwriting to review the items provided. I will let you know once we have an update. '' XXXX. After XX/XX/2023, I received no direct e-mails or phone calls from XXXX XXXX or XXXX XXXX XXXX. I also received no communication from US Bank about my mortgage refinance for several weeks. XXXX. In XX/XX/2023, I began sending e-mails and calling XXXX XXXX to get an update on the status of the mortgage refinance. I never received any responses nor a notification they were no longer with US Bank. XXXX. On XX/XX/2023, I e-mailed a US Bank employee named XXXX XXXX XXXX, who was very pleasant. She passed my along to her supervisor, XXXX XXXX, who informed me that XXXX XXXX and XXXX XXXX XXXX were no longer employed with US Bank. XXXX. In early XXXX, XXXX XXXX put me in touch with a sales manager in the US Bank Mortgage division who informed me the mortgage refinance at the 5.75 % interest rate could not be honored and my loan application was going to be cancelled. XXXX. On XX/XX/2023, and XX/XX/2023, I received e-mails from US Bank under the name of XXXX XXXX that state : " Thank you again for your home mortgage refinance application. We truly value you and appreciate your patience ... As we move toward your closing date, please know your loan team is available to assist with status updates and questions or to submit any updated documentation required. '' XXXX. In late XXXX, I sent an email with my complaint to executives at U.S. Bank. They responded by having a mortgage relationship manager reach out to me to find a resolution. After multiple weeks of waiting, they offered me a small monetary value to resolve the complaint, which I did not accept since the immediate value of the offered mortgage refinance rate was greater than the monetary value they offered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94549
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: For the last few years I have been reeling financially due to the pandemic and rising prices in rent. Not to garner sympathy but just to explain, I dont have folks ( parents ) and began my fXXXX XXXX XXXX XXXX XXXX XXXX XXXX right as everything fell apart. To boot, as I began working full time to cover new expenses, my ability to attend XXXX dwindled. I was then charged an exorbitant amount of money for lack of participation despite having no choice. This is STILL preventing me from applying to colleges or receiving my transcripts to this day. While not exactly what I planned on reporting, I found mentioning this to be important as for the years following I was in bad shape. I even had to sell my car to pay rent after being booted from school. This is where U.S. Banks XXXX fees come into play. Given my financial situation I have watched U.S. Bank skim at least a XXXX XXXX out of my account. Be it through tricky pending purchases or magically having a charge change dates a day before Im paid. I guess Im just curious if Ill be able to retrieve those funds when the new law takes effect or if I have any recourse. Ive spent so much time with a negative bank account and only because of their fees accruing hand over fist. They recently closed my account due to lack of funds and I have bills accumulating after being priced out of my apartment again. Its overwhelming and Ive no other options. Thank you for taking the time to read this, I tried to make it as pleasant and brief as possible. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A