Date Received: 2023-01-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, I currently XXXX XXXX XXXX XXXX ( I am a 99 % owner and my co owner has 1 % ). I would like to do an assumption on the building with my co owners agreement and the bank says that my debt to income ratio does not qualify. I had my loan broker run the numbers and he says that it does qualify. The woman who is helping me at the bank is very nice, however i do not believe that she understands the process. She is just keying in numbers that don't add up. I have asked to speak with someone who is more senior in this position to no response. It seems to me that since i qualify for to refinance that I should also qualify for an Assumption. Is it possible that they are doing this to make me pay a higher rate ( my rate now is 3.35 % ) because if I am unable to do an assumption I would have to do a refinance at a much higher rate. Please Help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was approved for payments through the XXXX XXXX. The program paid my past due payments for XXXX and XXXX of XXXX. They also agreed to pay 6 months of ongoing forward payments. They paid XX/XX/XXXX payment on XX/XX/XXXX, however it wasn't posted to the account until XX/XX/XXXX. Per XXXX, they sent XX/XX/XXXX payment on XX/XX/XXXX. It is now XXXX and it has yet to be applied. Called mortgage company and they stated they haven't received it, but again XXXX stated it was paid to US BANK. They stated the same for XXXX and US Bank eventually posted it to my account. Just trying to get them to post XXXX and now XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX / XXXX Received a gift card with {$150.00} balance ; card states it must be " registered '' to use online or for mail order. Card states registration can be completed online but website provided ( see above ) is not functioning. Called number on card ( see above ) and verified the balance using the automated system. Registering the card requires calling and speaking to customer service representative. Customer service representative required me to repeat the 16-digit number five ( 5 ) times before acknowledging the balance / validity of the card. Customer service representative then stated I would need to send in hardcopy forms including photocopies of a government issued ID in order to register the card and use it online. When I said this requirement seemed unduly burdensome ( having to provide my personal information to use the product ) they refused any other option, refused for me to speak to a supervisor, and refused to give me their name. The customer service representative kept repeating the demand then hung up on me. Tried accessing the website and called the number on XX/XX/ 2023 between XXXXXXXX XXXX and XXXX XXXX EST. Internet searches suggest this is not an isolated incident. Effectively, the company appears to be artificially creating barriers to using the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24073
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Improper use of cards funds missing from bank credit cards being closed debit cards misused XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX cards misused closed acct. loans secured loan with XXXX XXXX XXXX XXXX XXXX never returned from XXXX loan several disputes no help. Unknown address on credit report mortgage loan on credit report. Eviction neighbors have all personal info sheriff XXXX police would not allow to retrieve have all personal belonging. Soc security monthly checks amount incorrect XXXX never delivered doc security statements XXXX XXXX however someone used it at XXXX XXXX XXXX XXXX XXXX I started with XXXX in XXXXcombined XXXX XXXX present believe someone is pretending to be me on my job ( working as myself as a XXXX XXXXXXXX at XXXX XXXX using my credentials as a XXXX XXXX fraudently. Accessing my benefits and pay. Used medical dental XXXX w/dependent. I do not have any children. Signing in XXXX many different folks one shows zipcode XXXX unable to remove. Insurance fraud closed many insurances possible New York life ( life/annuity acct ) protective life should be Wisconsin Life life annuity ) problems with State Farm XXXX Alabama insurance acct. XXXX XXXX acct saying switched to XXXX I never approved this. XXXX retirement XXXX XXXX some showing XXXX XXXX approved this supposedly a savings acct however unable to withdraw from many more Fidelity acct. Need to speak to someone. neighbors and XXXX XXXX XXXX ( Professional Equities involvement ) Also personal info stolen from by XXXX halls ferry manor ( XXXX XXXX ) has court report ID soc sec info XXXX XXXX Also safelink affordable act phone they r using and selling my time never able to use data. I am XXXX yrs of age in XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Dear CFPB, XXXX XX/XX/2022 I made XXXX payments of {$40.00} dollars simply because of my XXXX XXXX. Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to reverse the payment and to remove the reverse payment of {$40.00} dollars as requesting to have the interest fee of {$2.00} and returned payment fee of {$30.00}. I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. Therefore, I am filing a complaint for my account to be reviewed of these fees and any other fees that are inappropriately applied to my account immediately and up date my account as the resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX To whom this may concern : A few months ago I started having many issues with USBank online banking system. Maybe it is too big?! I thought. I apologize for not having all dates but given time I could find them. I have been banking with USBank for decades. By the end of XX/XX/XXXX it was getting so annoying that I started asking for help with other financial institutions Since the recent online format change with USBank the payments are not seen on both accounts for mortgage payments. It shows on one part of the dashboards - mortgage. Today I have taken USBank surveys and reported it. AND XX/XX/XXXX I tried calling US Bank online twice to make sure it was going to process. The first operator told me to use my debit card and we were disconnected. The second operator didn't ask verification questions told me that it was paid already.I don't know if this last payment was paid since it doesn't show on the account the money was taken from. And we were disconnected. Who should I believe? So many more complaints... I don't know how to report having to share my medical PII too. Should I? Nor do I know how to report one of USBank employees that gets frustrated with their computer system and pounds his fist into the counter top either. Finally I have been locked out of online system to purchase food. I have even visited my local PD for advice with them. The account was locked and I was blocked from turning back on to purchase food. What may I do? Thank you in advance,...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I subtmited a claim dispute with my bank, US BANK on XX/XX/XXXX, the bank gave me a provisional credit. on XX/XX/XXXX, I received several letters ( one for each transaction ) requesting more information and send back a document with some questions. On the letter they said they need the information before XX/XX/XXXX, but the letter was received on XX/XX/XXXX. The letters were sent to the bank by fax on XXXX XXXX, the day after were received. After a few days the bank reversed the provitional credit and " closed '' the claims. I called to know more about this, and they told me that someone in charge will contact me. Until today nobody has contacted me, I gave all the information was requested by the bank, during my call and during the claim oppening I told the teller I dont live in the XXXX XXXX my phone doesnt work always.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
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: Fraudulent charges date back to XX/XX/XXXX. Every month when I received my statement and noticed fraudulent charges, I called and notified US Bank. The first fraudulent charge was on card ending XXXX dated XX/XX/XXXX for {$49.00} to XXXX. USB was notified and they reissued a new credit card ending in XXXX. On this new card on XX/XX/XXXX there was a fraudulent charge to XXXX for {$22.00}. USB was notified but fraudulent charges continued on this same card from XXXX through XX/XX/XXXX totaling in excess of {$8000.00} and charges were mostly to the same vendor, XXXX and I have no idea who that is. I was then issued a new card ending in XXXX and there were no charges in XX/XX/XXXX. But in XXXX of XXXX, there were fraudulent charges to XXXX and again to XXXX in excess of {$9000.00}. Obviously I reported this to USB because they again issued a new credit card ending in XXXX. I never received the physical card ( and still today have never received it ) but I did receive a statement for charges to this card once again to the vendors XXXX and XXXX which had been reported as fraudulent as far back as XX/XX/XXXX. Some of those fraudulent charges were being carried forward. I cancelled this card all together in XXXX of XXXX. I have been given credit for some of these charges but not all of them and the balance on this card is for fraudulent charges and USB continues to report payments on this fraudulent amount as being late payments on my credit report. I can never get anyone to return my calls and when I call the XXXX number, I am transferred no less than XXXX times. I have XXXX and have enlised their assistance which has not really helped. I spoke with XXXX at USB on XX/XX/XXXX regarding the status of our dispute and she said that someone would return my call within XXXX days. I received no call. I, along with XXXX, made a conference call on XX/XX/XXXX and spoke with a fraud supervisor, XXXX. XXXX would not speak to me with a " third party '' on the line. XXXX representative offered to hang up but that would not satisfy her. She instructed me to call her back, which I called her right back. When I called back, I asked for a fraud supervisor and spoke with XXXX who was helpful. She said that since I had a claims processor ( which I didn't even know about! ) named XXXX that we needed to speak to him. She was going to put in a request for him to call me and that he would call in a " few days ''. Today is XX/XX/XXXX and I am still waiting for that phone call! XXXX did inform me that I was calling the wrong number and that I should call XXXX and that our case number was XXXX. I wanted to know if XXXX received all of the documents that I had sent and how much longer it would take to review our dispute. I furnished USB with a police report, with a report I had filed with the Federal Trade Commission as well as an itemized list of fraudulent charges/amounts/dates/last XXXX digits of card numbers. I am not sure what else they expect for me to provide. Their customer services/communication with us has been terrible!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I attempted to make an online purchase on XX/XX/2022. US Bank sent me a text asking if it was me that use the card and I texted back yes. Well they did not let me use the card again so I called customer service for XXXX XXXX XXXX They informed me that there was nothing they can do. They couldve picked me randomly to put a hold on my card. Unless Im mistaken, they can not put a hold on my card. That was not used for fraudulent activities if I was the one using it. Now they are holding my money till Tuesday. Its the only money I have its my unemployment card for XXXX XXXX thats the only income I have in the winter time because I work part time in the summer. They were said theres nothing they can do to help me I sent in my ID on Friday night I sent a selfie like they asked me every person Ive talk to you there said too bad theres nothing they can do. So Im left with no money at all and Tuesday when they said it might be fixed I get my next check in and I couldnt pay the bills. I have today with last weeks check. Since when can a financial institution hold your money for no good reason. What are the girls said it mightve been my change of address well let me tell you about the change of address their company their bank made me change my address. They said there was something wrong with the address I gave them and they wanted a new one, so I gave them a different form of the way my address was. I did nothing wrong here and Ive gotten nothing but rudeness and ignorance from these people. What am I supposed to do whos gon na pay my bills this week and they froze it over the holiday weekend. This is absurd. I want to file charges against his bank for holding my money. There is no reason in the XXXX constitution that they could be doing this to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 046XX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A