Date Received: 2022-12-10
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX I called FIDELITY XXXX XXXX VISA at XXXX spoke to a Rep. to reqeust {$14000.00} overpayment refunded back to my home address. Next day XXXX, I called back to confirm, I was told that I had to wait for 14 days for them to review and cut a check mail to my home address. I asked the Rep. that Fidelity VISA needs to keep my money for 14-day, the rep. said she had no idea. I continuely called them for 6 times, spoke to different Rep. and their supervisors ; but none of them were able to answer my qeustion but just asked me to wait for 14 days. I reqeusted to have their payment research department manager to call me back to discuss, none of them called me back since. On XXXX, without my consent, all the suddent, I received a letter from XXXX from their payment research department indicating that without my consent, she sent {$14000.00} to another fianncial instituation where I did nto owe money to ; not only did she not sending money to my home address, neither the dollar amount was not my original reqeust ( I only reqeusted {$14000.00} ). The same day I called again 7th times spoke to their XXXX XXXX, she still had no idea why XXXX did that and told me that a supervisor will call me back ; but no one called me. Then, I called the other financail instituation, they said since I did not owe them money, they can not accept money from Fidelity VISA. FIDELITY VISA is practiceing business illegally, they did not comply my original request, refused to return my money reqeust back to my home address and refsued to provide a reason why per my reqeust; but took 14 days to do illgal action, without my consent, which was never my rerqeust originally. I'd like to have the comsumer affair dept. to investigate FIDELITY VISA and reqeust FIDELITY VISA to refund my money {$14000.00}, plus intersts of 10 % for holding my money this long of {$150.00}, total {$15000.00} mail to my home address no later than XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: This is regarding a complaint I filed with US Bank Reliacard and the CFPB many times. The last complaint number was XXXX. As of today, US Bank Reliacard has still not refunded the money taken from my stolen government issued XXXX Bank card. I provided ample evidence that I was no where near the location of the purchases or ATM withdraws, including my precise GPS location. I have a sworn affidavit statement by another individual testifying that I was with them and no where near the area of the purchases or withdrawals. I proved without a doubt these were not my transactions. US Bank Reliacard still refused to pay. As of today, US Bank Reliacard has not yet provided me with the documents used in making their determination. Nothing. You can see that a monthly statement was provided by US Bank Reliacard, and this was what they claim to have based their decision on, however, this statement does not prove our even highlight what the decision was based on. There is no evidence within the monthly statement to support their denial. There is no evidence to support their claim that i benefited from the transactions. They claimed a pattern of use was a reason for their denial. There can not be a pattern of use established for the ATM withdraws that occurred at the XXXX Kansas XXXX XXXX because I do not use the credit union, Therefore the only pattern possible is the pattern of non use. My withdrawing occurs at the XXXX XXXX Bank. If the withdraw did not occur at the XXXX XXXX Bank only. Then it was not my withdrawal. There is great evidence to support my claims and none to support XXXX Banks claim. The fact that they still have not provided any actual evidence to support their claims in this long amount of time indicates to me that they have no evidence still. US Bank Reliacard advised that this matter is an issue to be resolved by the Kansas Department XXXX XXXX. It is not. I contacted the department of labor and they told me that " once the deposit is made to the card, the funds are no longer their jurisdiction. The fault lies with US Bank Reliacard. '' I am awaiting a written statement from the XXXX to provide you as proof of what they told me. I will get it to you as soon as it arrives here. US Bank Reliacard is bound by our customer agreement and is solely responsible for the remittance of my missing funds occurring from the theft of my XXXX government issued payroll card. They have an obligation to fulfill. I want my full dispute paid to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened an account with XXXX XXXX Because my husband committed suicide, and this was where he banked, and I thought it would be easiest to have an account at the same institution in order to get his account closed and the monies over to me since he died intestate. I did all the paperwork required and was able to make a final deposit of his paycheck which was payable to me in XX/XX/2022. Ive then closed the account. now the bank is saying that somehow that deposit was turned into a payment to me in XXXX which is completely fraudulent. I have a copy of the check showing that it was paid in XXXX and the account was closed in XXXX. They re-opened my account in XXXX for some unknown reason and say that they paid that amount to me and are now charging me overdraft fees and want me to repay them the {$1800.00} amount of the check. This is complete fraud or an error on their part. The check is endorsed for deposit only. How does this turn into a payment to me? The check is Marked paid and dated XXXX. Multiple calls to their customer service have gotten me no where. And in the meantime, theyre also sending me a letter saying my account has a XXXX balance, and needs to be closed???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/22 My XXXX and my USBank Account was hacked. Sending a charge of XXXX Dollars to someone through XXXX, and a charge of XXXX through XXXX. I immediately changed my password on XXXX and called USBank to submit a claim as fraud. I didn't even have to lock my account because USBank flagged it immediately as fraud. I was informed it would take XXXX to 90 days for my dispute to be solved. When I called a week later to check up on the status of my claim, they informed me that they admit it was fraud but that my request was denied, and I would receive a letter in the mail if I disagreed. XXXX dollars is my livelihood and USBank has not worked with me at all in trying to investigate this very clear act of fraud that they ADMITTED TO. I have called USBank 8 times since this all started. I have gone inside 4 USBank to try to talk to a personal banker or someone who can do some further investigation. Even setting up another account to transfer my money to as been completely unprofessional. The response is always there is nothing that can be done ; they're not in charge of that department. On Tuesday XX/XX/XXXX I went into two more bank branches the same treatment of dismissing me with the words there's no number I can call, only an email. I've emailed the Fraud department about my concern, no reply. I have been a loyal customer of USBank for years and to be treated like that amount stolen from me doesn't matter is absolutely ridiculous. I have not been asked any questions to further the investigation, I have not been called or treated with any respect. To have to find out my request was denied while also admitting to fraud is completely illegal. I am going to go into a bank branch every single day until I get my money back. I will call and call until someone speaks to be about this issue and can explain how money I never authorized can not be returned to me. I called the very same day it was taken from me. I reached out to XXXX there's an investigation going on there as well. I have contacted XXXX 's chat agent twice on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX about the matter of disputing the XXXX sent over from my bank account over to another user. Whoever hacked my XXXX must have accidently sent the money to the wrong user because that user is my roommate. She forwarded the money back to me. XXXX claims to dispute that the money should have never been sent they need to contact the user but have not done so. I am a single woman trying to support myself and I can not have all of my savings I've worked hard for years to be taken in just one day, and to have these companies say they can do nothing about this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68106
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX my account was closed for no reason. I called the bank to see what happened and I was put in touch with authentication department. I told them that all purchases are valid and for personal consumption of supplies. They told me that I had excessive spending with a merchant. I told them I did no such thing and never bought anything other than merchandise. No gift cards or anything nefarious. I told them that I never spent more than XXXX percent of my credit line in any given weeks. There is no way this can be construed as excessive spending. This is ridiculous. The supervisor didnt care and still closed the account Us bank confiscated over {$300.00} of cash back points I had earned. I would like a statement credit for this confiscation and a restatement of my account which I have only used legitimately and honestly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/19, paid off our HELOC and I have requested multiple times via phone calls to get my final statements as the online statements are no longer available. I have stated that this should be considered a customer complaint, as I have called more than 3 times to follow up on this matter. The individuals place me on hold and never return and I then get disconnected. No follow up only false commitments and no acknowledgment that anyone has logged a customer complaint related to this lack of service. The financial institution is US Bank. I followed up on matters again today ( XXXX ) and was told the information was mailed XXXX days ago. I will give it a couple days and see if the statements arrive so that I can prepare a reconciliation and show there was an overpayment. Very poor customer service!!!! Poorly trained personnel and no understanding of a complaint process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX and XXXX of this year, US Bank paid mistakenly paid property taxes on my neighbor 's house totaling {$14000.00}. I received my escrow analysis on XX/XX/XXXX and brought the error to their attention by email and phone when I determined that they were trying to escrow funds for my neighbor 's property taxes and my property taxes for 2023. Their error would require my monthly payment to increase about almost {$2000.00}, a near 30 % increase, for the next 12 months, starting with my XX/XX/XXXX payment. After multiple phone calls to their call center, I was assured the situation would be resolved by late XXXX with the escrowed funds being replaced and the escrow calculation being redone so that my payment did not show an escrow underpayment of almost {$24000.00}. I was also told that if I could not or did not want to make the XXXX mortgage payment which is {$2000.00} more than normal, I could simply wait for their internal processes to be resolved and there would not be a late fee so long as I paid by XX/XX/XXXX. I was also advised that it would be fixed by XX/XX/XXXX. I checked with US Bank regarding my account today and after spending over 30 minutes on the phone with two separate representatives, I was told to continue waiting for US Bank to received a refund from the county tax assessor so that they could refund my escrow account, recalculate my monthly payment correctly, and then update my account. They also advised me that if I did not make the full payment by XX/XX/XXXX ( regardless of whether they fixed my account and had it reflect the correct amount ) they would report me to the credit bureaus for delinquency. I have tried to pay just the correct amount of my mortgage but US Bank will not allow me to do that since their system still has not been corrected and is requiring the additional {$2000.00} each month. I have never had a late payment in my life- so the potential effect on my credit is a very personal one. I have spent hours trying to work with them over the past 7 weeks to resolve the situation but feel I have no real recourse if they continue to simply pass the problem around to their various departments without taking real action. I believe the actions of US Bank may violate RESPA and other consumer protection laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for my checking account with a promo code to receive {$400.00} after making {$5000.00} in direct deposits to the account. US bank has denied me the bonus saying I was not eligible. I have met all the terms and should be entitled to this bonus. Account number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a HELOC with US BANK. I am participating in their hardship program. I have been in contact with US Bank for several months regarding my account. Earlier this year I informed US Bank I was going to apply for the HAF program as soon as it opens for applications in ND, where I reside. In XX/XX/2022 I applied to the program and was accepted pending mortgage statements from US Bank. I have requested mortgage statements on several occasions. XX/XX/2022 I spoke to a customer service rep requesting this information. I was transferred to a few different departments trying to speak to the people who could assist me. I was told my account couldn't be found but I would be connected with someone who could help. I contacted US Bank in XXXX and XXXX and was assured my statements would be mailed. I do not have dates for these calls. I called and spoke to an employee on XX/XX/XXXX and was again told the statements would be mailed. We discussed the HAF program, and I stressed the importance of submitting this final piece of information. On XX/XX/XXXX I contacted the bank again requesting my statements. Today is XX/XX/XXXX, after waiting for the day 's mail to arrive and no statements I decided to file here. USBank employees were all very professional and courteous, it just seemed like they were unclear on what department was doing what. I have been served with a summons and complaint for foreclosure. I was informed by US Bank that the summons was dismissed due to my participation In HAF. I am very fearful of losing this funding because of this paperwork and in turn losing my home. Thank You for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 582XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Elan Financial Services XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S. C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer 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: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A