Date Received: 2022-10-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Drear sir I am writing this complaint for my margate approval that took few months and finalized and send for my review and spouse to close in two days suddenly on last moment I received a call the bank dont want to do the loan we waited for few months bank review everything the told me everything is fine be ready for close out we finished all inspections paying for insurance selling all off my personal items boxing all the products and giving my notice to my rental landlord then suddenly hearing a disaster news it was very hard broken for us that is not a fair practice before I do any thing I will write a latter to office of bank presidency and explain everything hope fully before everything escalated too big you reconsider to close the loan I already know your already close a loan in that facility I would appreciate if you let me know which way I need to go. Thanks XXXX XXXX Loan number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: U S Bank Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ 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: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was on checking and savings accounts with my Mother. She passed away on XX/XX/XXXX. I also had Power of Attorney for my Mom 's Estate. On XX/XX/XXXX, I sent a letter to the Bank explaining the situation and asking that the accounts be closed and the proceeds sent to me for distribution. I included copies of my Mom 's death certificate and Power of Attorney, along with identifying information for the accounts. A few days later I received a phone call from a " Life Events Specialist '' acknowledging receipt of the letter and inviting me to call her with any issues. After several weeks of hearing nothing, I called the specialist back at least three times, but never received a return call or email. On XX/XX/XXXX, I sent a second letter to the Life Events Department by Certified Mail, asking that they contact me about the status of closing the account. I also sent a number of emails, both to the generic email address for the Life Events Department and the specialist who originally called me, but again I received no communications. Frustrated, I simply transferred the savings account balance into the checking account, and wrote myself a check depleting the account. Now I am getting letting from the Bank charging me monthly fees and threatening that if I do not pay them, I may be subject to "... Overdraft Paid Fees, collection efforts, and we may report your account to consumer reporting agencies. This could impact your ability to obtain service at other financial institutions. '' It should not be this difficult to close a small savings accountant and checking account, and at every least, I desire the courtesy of a return communication to my multiple letters, emails and telephone calls. I would appreciate any assistance you can provide. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have credit inquiries listed on my consumer reports I have no knowledge of nor given permission for my credit to be pulled. I have tried reaching out to the creditors by phone and also mail only to receive nothing in return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day ( XX/XX/2022 ) which I did not apply for and there was one that was created a few days before ( XX/XX/2022 ). I did not apply for any bank or credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95204
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a conventional mortgage with the US National Bank. I got a loan estimate for 4.375 %. I requested the loan agent to lock the rate. She said their computer system/underwriters are not allowing to lock the rate. They delayed the process and waited for the interest rates to go up and eventually locked the loan at 5 %
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
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 XXXX I purchased a XXXX cruise thru Travel agency XXXX. Within two hours I notified XXXX that we were unable to fly to XXXX because of XXXX XXXX restrictions. I'm requesting your help settling this matter with a refund or credit. On XXXX I purchased a {$1400.00} XXXX cruise ( booking number XXXX ) and Insurance {$160.00} from XXXX 's XXXX XXXX ( XXXX ; XXXX ) for later that month. Within two hours, thru the XXXX website, I learned that my wife and my two covid shots ( 2 each ) were over nine months old and we were considered " unvaccinated " by the XXXX government and thus we were not allowed entry. That same afternoon I notified XXXX XXXX that we were unable to fly to the cruise due to COVID restrictions. After multiple communications with XXXX, XXXX, and XXXX ; no credit or refund. I have purchased three previous XXXX cruises with my family and loved our experience. I'm requesting your help settling this matter with a refund or credit. Timeline and additional details below. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline & details : XXXX XXXX purchased XXXX cruise, booking number XXXX, for 7 day XXXX with insurance. XXXX XXXX our vaccine status doesn't allow XXXX flight reservation. XXXX requested refund from XXXX. Advised that XXXX denied refund. XXXX Requested insurance refundapproved. Requested refund from XXXX cardapproved and then denied. Prior to the cruise date upon receipt of confirmation email from XXXX. Called XXXX XXXX to notify them that we are unable to purchase airline tickets to XXXX due to vaccination status. XXXX rep made a note in my record. XXXX rejected my request for refund for the second time. XXXX XXXX promised refund in two billing cyclesXXXX Service Request # XXXX n't happen. XXXX XXXX rep directed me to only communicate thru XXXX. XXXX XXXX XXXX email XXXX promised refund in two bill cycles. Didn't happen. XXXX. Email to XXXX XXXX XXXX of XXXX looking into it XXXX. Email XXXX from XXXX XXXX checking with XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: US Bank I have mortgage with refuse to co-operate with PA XXXX XXXX XXXX to credit money to bring my account current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19064
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I saw an online advertisement for US Bank with 0 % interest for 24 months period back in XXXX XXXX XXXX I applied with the goal of doing a balance transfer XXXX XXXX XXXX and got approved. I initiated the transfer on the same day as I applied, carefully reviewed my application, and did not see any mention of any additional fees. It took US Bank almost a month to complete the balance transfer, which was posted on XX/XX/2022 and at the same time {$150.00} " Transaction Fee '' was added to my US Bank credit card balance. I called US Bank XX/XX/2022 and asked for the removal of the {$150.00} " Transaction Fee '' and was told by the customer support 's supervisor this fee can not be removed. I see this as a potential violation of Unfair, deceptive, or abusive acts and practices ( UDAAPs ) Dodd-Frank act, where the bank is not clear and upfront about additional fees in their advertising and application practices. I would not have applied for US Bank 0 % credit card if I knew " Transaction Fee '' will be assessed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53092
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
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 have tendered 7 negotiable instruments to U.S. Bancorp c/o ELAN FINANCIAL SERVICES for a MASTERCARD and XXXX XXXX charge card on the following dates : XX/XX/22 two money orders ; {$600.00} & {$6000.00}, XX/XX/22 2 endorsed A4V statements ( delivered XX/XX/22 XXXX ), XX/XX/22 XXXX endorsed XXXX and conditional acceptance ( sent to XXXX XXXX c/o ELAN XXXX, XX/XX/22 XXXX accepted and mailed to ELAN for {$16000.00}, XX/XX/22 XXXX endorsed A4V. ELAN FINANCIAL SERVICES has admitted receipt of tender on two occasions but has not applied the amount to the balance, and the instruments have not been returned. A notice of fault has been mailed to the CEO and CFO and a response has followed disregarding the tender and full satisfaction of the account. In addition to their DEFAULT, ELAN has incorrectly and fraudulently reported a late payment to the credit bureaus in violation of 15 U.S. Code 1681g. I have also requested a w9 and 1099-oid, full accounting and my request has been REFUSED on 3 occasions. U.S. Bancorp c/o ELAN FINANCIAL SERVICES is in violation of UCC 3-104 , 3-306, 3-311, 3-603, and 15 U.S. Code 1666, 15 U.S. Code 1681sec. - 2 ( 7 ) ( A ) ( E ). In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # XXXX and XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A