Date Received: 2022-12-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: notice of multiple fraudulent charges on contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42240
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Whom It XXXX Concern : I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the building process. US Bank has my money for the full mortgage amount in an escrow as well surplus of {$55000.00}. Every check that I receive from the insurance company for claims has to go through US Bank. We are XXXX XXXX of the way completed on our new home. US bank received my overage check ( I {$55000.00} ) that is above and beyond our current mortgage escrow and have failed to return it since the beginning of XXXX ( XXXX ). They allegedly mailed at check on XX/XX/XXXX and it never reached me. The check was then cancelled and I was told on XX/XX/XXXX that another check would be mailed today XX/XX/XXXX. After speaking with US Bank today they informed me that they cancelled my check and do not wish to use my pre paid over night envelops that they received on Friday XXXX at XXXXXXXX XXXX. Consistently they do not have the same process advice or procedure. I have spoke to several supervisors who will not provide me with any further information on who I can speak to that is above and beyond the supervisor role. I have been treated very poorly with some of the staff making light of my situation. My builder is no longer building on my house due to me not being able to pay him. I am unable to get my overage check from US Bank and I have never been able to draw off of my mortgage escrow. I need help immediately as this is a crisis and they are not helpful. There was a supervisor named XXXX that provided me with his direct phone number XXXX. I have called him repeatedly and no answer. I have not called them and cussed them out like others XXXX have in this situation as it is not helpful. The only consistent thing I have them saying is this is XXXX XXXX US Banks fault but they are unable to fix it. It just keeps bouncing from XXXX department to the next to the next. A check allegedly gets disbursed and then cancelled. I have legitimately done everything on my end that is required and they refuse to get me my money. I have been waiting for weeks. Please reach out to me via email or by phone at XXXX. I need help as soon as possible. We only have alternative living expense coverage for a limited time an we need to have our home built before this used up. Without me being able to pay, we are at a loss. Best Regards, XXXX XXXX XXXX my XXXX tracking number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I had withdrawn {$290.00} from my Middle Class Tax Refund debit card at XXXX so that I could deposit that money into my US Bank account for XXXX presents for my XXXX year old daughter and also pay my PG & E bill. I went to the ATM US Bank branch on XXXX XXXX in XXXX, Ca at XXXX. Once I deposited the {$290.00} I saw a please wait pop up on the screen which lasted for over a minute so naturally I wonder whats taking so long. Then the machine dispenses a receipt which states AID XXXX A machine error has occurred and we are unable to to credit your account or return some of the items you attempted to deposit. Please contact ( XXXX ) XXXX so we can assist in the return of these items. You will need to keep this receipt, as it contains valuable information needed to assist in the return of your deposited items. We apologize for the inconvenience. I immediately panicked and saw that there was no record on the receipt or my banking app on my phone of the deposit that I just made. I took my daughter and went into the branch to talk to the Teller and Manager and was crying because XXXX cant believe this just happened. The teller helped me do a claim over the phone so they can do an investigation and he told me there is nothing else that they can do to help. He also mentioned that it can take 10-45 business days before this issue is resolved. I said I need my money today, I cant just wait that long with XXXX coming up and bills needing to be paid. He said Well, have you thought of opening a credit card with us so that you dont have to go through something like this again and wait? I said are you kidding me?! This is the solution you have to the machine eating my money and not having any evidence besides camera footage, the receipt of the excuse and when they do end up counting the money in the ATM machine once a month. They are taking very little accountability for this error. The machine is obviously defected and in no way shape or form should be allowed to be open to the public. This has been one of the worst experiences Ive ever had due to the fact that my daughter was with me, its right before XXXX and they say there is nothing else they can do besides expedite the claim. No one should ever have to go through something like this. We trust banks to deposit and hold our money for us correctly. I have been let down by US Bank and this location XXXX XXXX in the XXXX XXXX XXXXr in XXXX, Ca. It does feel like XXXX at their mercy because of my financial state and I will be closing my account with US Bank once I get my money back and they are done with the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 usc section 602 states I have the right to privacy. USC 1681 section 604 A section 2 it also states a consumer to furnish an account without my written instructions. USC 1666b a creditor may not treat a payment on a credit card account with XXXX open end consumer for late purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12047
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These companies performed Unauthorized inquiries on my credit report, 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 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: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife and I recently put an offer on a house in early XXXX. Our offer was accepted and we began applying for mortgages and ended up using US Bank. I provided the loan officer with information about my current employment and wages. Throughout this process I had been interviewing for jobs and awaiting job offers. The location of the home is not within commuting distance. By XX/XX/XXXX, I had heard back from only one employer in the area and was offered a position with a $ XXXX pay cut. After budgeting, I realized I would not be able to afford this home and contacted our loan officer to update him. My wife and I decided to terminate the purchase agreement based on the financing contingency in the contract. I contacted my loan officer to terminate the loan application and request a loan denial letter to provide to the sellers. He was understanding and told me he would work on it. I have followed up with him on XXXX XXXX XXXX because I have not received the loan denial. Now the loan officer is not responding to my attempts to contact him. My wife and I would just like the loan denial letter before the closing date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I've been with this credit card company for many years but got really disappointed on they had set up a cheating scam in the balance transfer offer, that all the purchase balance if ever happened after the balance transfer, will be charged with a high interest rate until you pay off the ENTIRE balance transfer with 0 interest rates. This is totally a scam as the reason you want the balance transfer is about the time to pay, so I made XXXX of dollars purchase after the balance transfer and I did made XXXX of dollars of payment try to cover the purchase balance, however these had been putting towards the balance with 0 interest rates. Right now I got a XXXX dollars purchase balance subject to 18 % interest rates forever before I totally pay off the balance transfer because none of my payment had been allocated towards that balance!! This is a common cheating scam that few of the small credit card company would do that people should be aware. I've been using balance transfer with other credit card companies for years and I never had that problem. ALL THE PAYMENTS SHOULD BE ALLOCATED TO THE PRIORITY OF BALANCES SUBJECT TO HIGHER INTRESET RATE FIRST!!!! THIS IS THE GOLDEN RULE OF THUMB!!! YOU DON'T TEND TO CHARGE THE CUSTOMER MORE BY SETTING UP SUCH TYPE OF SCAMS!!! And even think about this, the customer trust you guys using your card to setup for stuff like autopay, you are going to make them pay for high interest for those purchases forever before they finished paying those balance transfer offers with 0 interest rate? The cardmember service stuff who answered the phone had a nasty attitude, refused to help and being very proud of they are doing the right thing, also claiming that's the standard in this industry! Why you are saying that!!! That's so funny. By the way, I think throughout my experience, the customer service attitude for Fidelity credit card is always the worst!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Greetings, My name is ( redacted ) and on XX/XX/XXXX I noticed a transaction go through my US Bank checking account to XXXX XXXX in the amount of {$1600.00}. I immediately called them ( within minutes of noticing the transaction ) and told them I did not do this transaction. They closed the debit card that was used for that and issued me a new one. I thought that this would end that but I noticed on XX/XX/XXXX that the transaction had been approved! I called the US Bank XXXX XXXX XXXX Department and they had said that my claim was denied. They couldn't give me specifics of this but said they're mailing a copy of the denied claim to me. I asked them to reinitiate the claim and was told that would happen. I was not giving any semblance of an answer as to why I called them so quickly claiming fraud and they still processed the transaction. Attached are documents of the transaction On XX/XX/XXXX, I went into the XXXX XXXX of US Bank to file a complaint. The banker I worked with understood my story and was equally confused when I told US Bank that I did not initiate this transaction within minutes of it occurring and yet the transaction was allowed to be completed. She was able to also reinitiate a claim from there and I am told that this XXXX take up to XXXX days from the claim ( XXXX XXXX ) to be fully processed. This amount is more than my monthly mortgage which I currently haven't paid yet. I am wondering if there is any help I could get from your institution or if there's another avenue I should also go down. I am also thinking I should file a police report. My complaint is specifically with US Bank letting a transaction go through when I called and told them fraud within minutes of seeing the pending transaction. Also, XXXX XXXX should be involved but I have not reached out to them. I also contacted the Minnesota Department of Commerce filing a complaint last week. They are not investigating further since the Department of Commerce has no jurisdiction over US Bank. Their contact ( can provide contact information ) recommended I contact your institution. Please let me know next steps to take or any more information that I can provide. Thank you for your help, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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: On XX/XX/XXXX we attempted to make hotel reservations online at a XXXX XXXX hotel near XXXX, XXXX XXXX. We did not receive a reservation confirmation, so we made reservations by directly contacting the hotel. We stayed for two nights, XX/XX/XXXX and XXXX and checked out on XX/XX/XXXX and paid the bill of {$280.00}. On the subsequent billing statement for XXXX, XXXX identical charges from XXXX XXXX for {$140.00} for XX/XX/XXXX that appeared on our statement. We assume these were placeholder charges made as part of the unsuccessful reservation attempts made on that day. I contacted the credit card company as explained these were erroneous charges posted in error, as we had paid the correct charge for the two nigh stay and there were no other valid XXXX XXXX charges. I subsequently submitted a written response to them explaining the error. I also told the credit card company that I had contacted XXXX XXXX to ask them to remove the charges, and XXXX XXXX had not record of the charges. I have subsequently had numerous and lengthy telephone conversations with company representatives where we have gone over the charges together and they have claimed to understand the issue, only to receive multiple correspondence indicating that 1 ) they don't have enough information ( even though I have gone over the dispute in detail and the representatives I spoke with claimed to be taking detailed notes, 2 ) I should have canceled the service ( although as explained, there was no service to cancel as these were erroneous charges for attempted reservations that were never confirmed, or XXXX ) the dispute was not submitted within the 60 days required ( after representatives confirmed on the telephone that my written explanation was in the file well before the deadline and available for them to review during our conversations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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: The subject account is my XXXX Nevada XXXX XXXX Master Card. The communications have been with Cardmember Service, XXXX XXXX XXXXXXXX, XXXX, ND XXXX. The number on their latest letter is XXXX. I spent two nights at XXXX XXXX XXXX, XXXX North, XXXX XXXX XXXX, XXXX, CA XXXX. When I checked in on XX/XX/XXXX 2022, they collected a {$100.00} damage deposit. When I received my credit card statement, I saw that the damage deposit was charged to my card, even though I had done no damage. This company fraudulently charges that guests smoke in non-smoking rooms. If there was any scent of smoke, it came from the rattling old air conditioner. I complained to the hotel about several unsatisfactory aspects of my stay when they sent me a feedback form ; but unfortunately it was before I saw the charge on my credit card statement. I directed the credit card company to reverse the false {$100.00} charge, which they did on XXXX/XXXX/22. After that, I received a questionnaire about the nature of my dispute, which I returned with details after two days. On XX/XX/XXXX22 I received a letter ( dated XX/XX/XXXX22 ) from the credit card company which informed me that the reversal had been again charged to my account. They also said they had received no response from me to their request for information about my complaint. XXXX2022 I returned that letter to them and wrote that they were mistaken and that I had responded to their request for information only two days after I received it and that they can't be completely passive to my complaint about this unjust charge. That is the last communication between me an the credit card company. A XXXX search will reveal that there are many complaints about XXXX XXXX XXXX including the property in question, fraudulently keeping damage deposits. If I wanted to spend an extra {$100.00} on a room, I'd have checked into a higher class lodging.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89431
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A