Date Received: 2022-11-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: l have a XXXX XXXX XXXX XXXX XXXX. I shop at the XXXX 's XXXX XXXX near my home and have been a customer for many years. I have always kept up with my bills, but suddenly I have received a bill telling me that I have gone over my credit limit of {$10000.00} and that I must pay them {$1300.00} by XX/XX/2022. I have been paying them around {$100.00} a month up until I received this huge bill. I contacted XXXX 's XXXX by phone and the woman said she would transfer me to " Hardship Cases. '' I was transferred to " Hardship Cases, '' and they told me to call the number on the bill to get information about credit counseling services. I called and there was no one there. I've been scrambling around trying to figure out what to do. I can not understand why XXXX 's XXXX did not deny the {$1300.00} in purchases when I ran the card in the store. I never would have gone over my limit on purpose and every card I've ever had, would automatically deny any charge over my limit. I can not tell you the stress and panic I have been experiencing since I have gotten this bill. I called XXXX 's XXXX yesterday to request a higher credit line in hopes that it would resolve the situation, but they said " NO. '' Is there anything you can do to help me? I am able to pay the {$100.00} a month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was repeatedly assured that I could get a lower rate or lock in a lower rate if the rates went down. I asked this question several times and received the same answer. When rates went down he ( XXXX XXXXXXXX ) with US Bank, acknowledged that they had gone down ( XX/XX/XXXX from XX/XX/XXXX ) and then he said he would shop the loan when he had loan approval that day or the next. I received loan approval on the XXXX and he said he would shop for rates. When I pressed him on the XXXX, he told me that there was not ENOUGH of a difference in rate for him to change it. THIS IS NOT WHAT I WAS TOLD. I was told that if the rates lowered, that I could get a lower rate. THERE WERE NO QUALIFIERS. Only, when the rates lowered, and I questioned AGAIN about securing a lower rate was I told, he needed to wait for loan approval in order to do that? Then after loan approval he says the difference was not substantial enough. When I questioned him about the it on the XXXX, it was a XXXX point difference from the day that he locked it. A XXXX XXXX XXXX XXXX is a very significant difference to me. When I went to his supervisor XXXX, she actually stated to me that he did not technically lie. She completely ignored what I had been previously told and presented his latter statements as true statements. So me being told that I can lower my rate if the rates lower ( which they did lower substantially between XX/XX/XXXX and mid XXXX ) means what? How was I supposed to interpret that answer? Please tell me, how was I supposed to interpret that answer? Yes, I can get a lower rate if the rates drop? There were no qualifiers to that repeated answer to my repeated question. I specifically went with a large bank vs an online lender thinking it was going to be a more respectable and forthright transaction. I WAS WRONG THERE. What I got was repeated misrepresentation. I went out of my way to ask questions as this was a huge commitment to make, even before opening escrow, before depositing my earnest money with escrow and throughout. At each stage I was offered assurances about the loan estimate changing for the better, about the ability to better the rate if rates improved. I know that I am still not being told the whole story by the bank or its representatives. They have yet to be forthright in their representations. Meanwhile, it has cost me $ $ $ $ $ XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Automatic payment for month of XXXX was withdrawn from my checking account on XX/XX/XXXX. The amount wasn't sufficient to cover new payment amount and was notified of a missed payment. When I logged in, my only option was to pay the full mortgage payment and not the difference owed. I was notified again of missed payment on XX/XX/XXXX and when speaking with a customer service rep I was notified that I can only make a full payment and not the amount owed via their website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I joined us bank because I am on the road with my work and needed to be able to deposit through the app or atm/ they would often freeze my ability to deposit causing my account to overdraw- then charging me fines and freezing my ability to deposit anything. I had multiple work checks I needed to make sure were deposited- they refused to give me access to look up and told me to put through the app. They granted two checks total lying XXXX then before the checks even hit the payee bank they backed out of my account them demanding the money when they already backed out. Now I dont have any access to accounts and they wont help me on the phone nor branches. I cant open another checking account and they have reported to my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65810
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022. 2 credit cards fraudulently opened in my name. XXXX XXXX Us Bank I did not apply or open anything from them. I noticed it on my credit report and through emails. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account has been shut down numerous times and now permanetly and this has been going on for over 3 weeks. I need my money to pay my bills utilities etc Iam in my winter home out of the country and Cant even buy food. now they keep giving me excuse why they will not send me my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82601
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was solicited multiple times to request a credit line increase. I submitted to credit line increase on XX/XX/2022. I was provided absolutely no disclosures at any time stating a hard inquiry would be initiated for this process. Ive requested multiple credit line increases with other cards with no hard inquiry. It is not a standard practice whatsoever. I absolutely did not agree to let Elan run a hard inquiry under any circumstances in writing or electronically. This inquiry was done without my express permission. I carry over XXXX in revolving credit with a {$0.00} balance across 7 cards with 3 perfect ( XXXX ) XXXX Bankscore 8 credit scores. I would never have agreed to a hard inquiry and I did not do so in this instance. This is a fraudulent inquiry without my express permission. I also put a 1 year fraud alert on all three credit bureaus. No one required verification to allow this inquiry as required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: US Bank National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX USBank XXXX XXXXt Visa XXXX Statement included a {$95.00} -- annual fee in my XXXX statement I called the Credit Card Support and requested a reversal of the {$95.00} fee. A US Bank Supervisor called me on XX/XX/28, who directed me to apply for a different USBank Visa credit card that did not include an annual fee and the {$95.00} annual fee would be reversed and applied as a credit to my new card. I cancelled my XXXX XXXX Visa card and applied for a Cash + US Bank Visa card. US Bank is now refusing to credit my new Credit Card the {$95.00} -- annual fee. I would never have canceled the better card with the fee if I had not been told that the {$95.00} would be credited to my new Cash + Visa USBank card. Lessen learned is that a consumer can not count on the validity of support provided by USBank Visa Credit Card Supervisors. I will be cancelling my new Cash+ US Bank Visa card in the next couple of days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93955
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I am a victim of the violations that were discovered by the CFPB 's investigation of US Bank, that found the bank engaged in unscrupulous practices that resulted in many violations of various consumer protection acts. The specifics of these violations that directly affected me, are detailed in the attached documents. Furthermore, I asked for documentation proving that no violations occurred when this account was opened. I was told by US Bank that I need a subpoena to access such documents. I am questioning why do, I need a subpoena to access documents for an account that was allegedly opened legally baring my name?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have reached out to XXXX XXXX multiple times and he has yet to return my phone call. I am being evicted and just want my money out so I can afford to move home. They have created claims randomly on dates I had no access to my account. So did I just come up with a number to claim fraud? How does that work? They refuse to balance my accounts out by putting money from my checking into my savings so they can continue to charge me overdraft fees. I lost my job and have no income and them holding XXXX from me is causing me to lose my apartment and have to move home. All I want is my money back after trying to move my money from another bank but closing my old bank too soon ( not knowing it takes 7-10 ) days for a check to clear. It is a simple check but XXXX XXXX of LA US Bank XXXX in XXXX, General Manager and Assistant VP, refuses to talk to a customer after I reached out to him multiple times to have a XXXX. But of course, he is as heartless as they come. Most of the employees I have talked to have said " that sucks '' when I tell them I am being evicted. All because they will not give me my money back and close my account so I have nothing to do with this illegal bank ever again. How they are not in more trouble is shocking to me but I guess that is how America rolls. Creating XXXX of personal loans, credit cards, accounts is not a violation of the law. So the FDIC is not there to protect consumers. None of them are. When I become a lawyer, I am coming after every bank and it's illegal activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A