Date Received: 2024-01-24
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 paid XXXX XXXX XXXX {$620.00} on XX/XX/23 for services. They did not perform the services and agreed to refund my {$620.00}. I received a letter from US Bank and need help filling out the return form enclosed in the letter. The letter says it needs to be returned by a fax machine. I don't have a fax machine or access to a fax machine. I need to send the information via e-mail. I have been calling US Bank and they have not returned my calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called customer service and told them I was having issues with direct deposit and money being sent to my account using XXXX. The representative said my account was placed on hold pending address verification. I explained to the representative that should have not been an issue because I opened my account inside of a local branch and the banker did not ask for that information. I also informed her that the bank should have did address verification before they mailed out my debit card. She didn't respond to my statement. I also told her that I didn't receive any written document from the bank to ask me to verify my address or that my account would be put on hold because not verifying my address. I told the representative to send me an email with what I needed to do to unlock my account, but she didn't do it. I went to the branch where I opened my account and showed them my id and gave them the change of address letter from the post office. The banker said they need a lease, mortgage paper, or utility bill with my address. I told the banker that I am renting a room from someone and nothing is in my name. The banker then said that she would email compliance a copy of change of address paper, but they may refuse and could take up three days for them to respond. So as of today XX/XX/2024, I'm locked out of my bank account and I can't receive or withdraw funds. My job tried to deposit my paycheck, but the bank refused it due to pending verification of my address after they already mailed me my debit card and I received it with my pin. I showed the banker my debit card letting her that I received it at my current address and they said that is still not sufficient enough. Can you please help me get my account unlocked so I withdraw my funds and close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: We had purchased a camper from XXXX XXXX XXXX XX/XX/XXXX and financed it through US Bank for the amount of {$36000.00}. We found out few days after driving it off the lot, that XXXX XXXX had screwed up our VIN number, which in turn messed up all paperwork to US Bank for the temporaty title. XXXX XXXX notified us of their mistake, and fixed the paperwork for us to be able to get our registration done. However, US Bank never followed up or fixed their paperwork on their end. Fast forward to a year later, XX/XX/XXXX we paid off the camper in full, sending US Bank the payoff amount of {$32000.00}. They accepted this payment, without even having the proper paperwork showing the right VIN, or without even correcting anything. So now in XX/XX/XXXX, of XXXX when my wife and I are attempting to sell our camper to a friend in order to get the funds needed to close on a home for our family, the dmv tells us they can not issue a title, due to US Bank still having a lien on it. When contacting US Bank several times asking why they are still holding a lien when it was paid off over a year ago, they just kept saying " their not sure ''. This led us to asking for a supervisor and while on hold for them, the dmv tells us that it is an electronic lien and that the bank can do an " emergancy release '' in order to have the dmv print us a title that day of being there. Since it over an hours drive to this instant title dmv. When the supervisor came on the line, we had relaid this information to her, which she in turn expressed that she had never heard of that. She then said she would go ahead and process a release to be done, but that they first have to fix the paperwork on their end, since they did not currently hold a proper lien. I even made the comment " wow so I should have never paid you off, because you had no way of even repossessing this '' of which they laughed and did not comment. It is now XX/XX/XXXX of which the release was still not completed and we loss a sale on our camper, which now in turn will affect our closing and might make us lose our home. All because they did not do their job and correct their own paperwork over 2 years ago! How can they accept payoff for a " vehicle '' or camper in our scenerio, without even having the proper paperwork or temporary title paperwork? Then have the right to make us lose out on so much money needed for a big family move, due to their own negligence and not be held responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have a pre-paid XXXX debit card with {$25.00} from US Bank National Association. The card expired. The website published to check balances, XXXX, does not work. I called US Bank to request they issue a replacement card. US Bank refused, saying the card is too old and expired, so the funds are " lost ''. The card is unused, so I would like it replaced with another of the same value. I hope they replace it and that this is not a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I scheduled an online mortgage payment from US Bank NA on XX/XX/year> to my mortgage bank, Pacific Global bank ( AKA. Royal Business bank ) located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. In the amount of {$1100.00}. This is an online payment issued directly from US Bank to Pacific Global bank, and the payable should be Pacific Global bank. After a while I received notification from the mortgagor Pacific Global Bank indicated that my mortgage is in delinquent. I checked the online payment from US Bank, which indicated the check was cleared but instead of endorsed by Pacific Global bank, the same check was endorsed by two different individuals and deposited three times, which twice were successfully debited from my US Bank account. I went to the US Bank branches several times and questioned why the check with the same account number and Same check number, issued by US Bank, can be able to be cleared multiple times. Every time I went to US Bank to try to get the problem resolved, but without any resolution. I'm look for US Bank to reimburse the twice falsely debited check amount.
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: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is in response to the bank 's response to our previous CFPB complaint : USBANK did credit our account AFTER you forwarded them our complaint. However, their response is misleading. Within a day of our account being debited the altered check amounts we notified them, BEFORE the funds were dispersed to the forgers. This wasn't a difficult forgery case to solve, the memo area on both altered checks had not been removed and clearly said " IRS est tax pmt '' and " Calif est tax pmt '' along with my TID #. The " pay to '' line and the check amounts had been changed. It would be obvious to anyone that such payments aren't made to individuals. Yet it took almost 4 months to get our funds back!! This is gross incompetence at the very least!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92835
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hello, My name is XXXX XXXX XXXX, a XXXX XXXX and resident of XXXX, CA. On Tuesday XX/XX/2023 at around XXXXXXXX XXXX I applied for the XXXX XXXX Credit Card with the US Bank. Before applying, I checked my Approximate Credit Score/XXXX with XXXX XXXX , XXXX XXXX and XXXX and all of them showed that I have perfect odds of getting approved becuase of the following criteria : 1. My Approximate Credit Score is above XXXX which aligns with my approximate XXXX score above XXXX. 2. I do not have outstanding payments, I have no deffered payments or defaulted in any of my previous credit card payments with different credit card issuers. 3. I had not opened or applied for any Credit Card in last 12-24 Months. 4. I had zero Hard pull registered under may name in more than last 12 months. 5. My annual Salary is more than $ XXXX and I do not carry balances on any of my credit cards, I have more than 8 credit cards with various card issuers. Despite having an excellent score, zero outstanding payments or defaults on any of the other credit cards that I have from different Credit Card Issuers, my application did not go through and went to a secondary verification. I immediately contacted the US Bank and explained my situation. The customer service transferred me to the Underwriting Department in US Bank and they verified my identity and information and my application data for correctness. They found no issue and thus they transferred me to the verification department within the US Bank. They verified my identity, and my information one more time and upon confirmation and verification of my information they transferred me to a verification department where they stated that there was a hold up on my application where they confirmed that they cleared upon verification of my information. I asked whether it was my credit worthiness, credit score, or my name or origin of birth that caused it and the XXXX confirmed that my credit score and other information related to my financials were fine and nothing was wrong about them. The confirmed that there was another issue and that they cleared it and it is good to be sent to Underwriting for processing and completion. It is worth mentioning that on every stage of the way from the beginning I explained that I need this credit card to make a time sensitive flight purchase, or I don't need it at all as I have more than enough Credit with other card issuers. My conversations and being on hold took almost 50 minutes, The verification department transfered me back to Underwriting Department where a lady from the underwriting that I talked to around XXXX ( XXXXXXXX XXXX ) reluctantly repeated the same information over and over again and said that I have to wait the application to be processed and it is clear if it is accepted or denied and I have to wait 7-10 business day to get the result. I believe this is a very unprofessional interaction with the customer and I strongly believe that I have been discriminated against because of my name and or my origin, because apparently there is no issue or hold up in regard to my financial record, my criminal record or anything to that matter to cause my application to be delayed. I am receiving between 2-5 Credit Card offers from different card issuers such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX every week. It shows that there is no way that this US Bank hold up and deferred application process is related to my financial or criminal record but simply a discrimination and profiling because of my identity, origin and name. Just for the record, to avoid receiving any generic response from you stating that the approval odds or my application may be impacted by my credit history, or requesting too many credit cards, etc, I have not had my credit score pulled ( soft or Hard ) for more than a year by any banking institution and have no default as I explained above. I believe this application process is profiling me and people like me for no financial related reason and it is simply a discrimination that the US bank imposed on my and many people like me. I am looking forward to hearing back from you. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: This bank and its rep, XXXX, lied to me saying they called me on XX/XX/24 and XX/XX/24 XXXX XXXXthey never did. I want this card ( US Bank ReliaCard ), account and the online access closed for good! The case number is XXXX. I already made it clear to confirm the closure! I don't need to call anyone -- -especially when their line is awful and of no help! XXXX did nothing but waste my time!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2023, I wrote to the below creditors requesting an investigation into items that I believed were inaccurate, and falsely reported. To this date I have not received a response for the requested information. I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Elan has responded by sending me a billing statement. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. In response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address and or a billing statement, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following : Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I received calls at XXXX threatening my financial future using profanity and unfair unethical demands. Come to find out, all debts are already paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A