Date Received: 2022-09-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Scammed using my social security number to open a checking account and tried to open a credit card which was declined!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: U S Bank Home Mortgage 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: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Upon checking my credit the XXXX XXXX account that been under the dispute still remains i sent an ftc report proof of residency and as some companies reported information as accurate i want to inform that i disputed all other addresses on my credit report besides my actual one which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my cell phone XXXX any other information creditor has is wrong
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US Bank XXXX - acct # XXXX Opened XXXX -- -- reporting time has expired XXXX XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired US Bank - acct # XXXX Opened XXXX -- - reporting time has expired XXXX XXXX - acct # XXXX Opened XXXX -- have never been late XXXX XXXX - acct # XXXX Opened XXXX -- - reporting time has expired, this is not my account, i do not have any children and they have failed to validate this account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2019, Elan Financial reported to XXXX and XXXX credit bureaus that my credit card account was 30 days late. By reporting to the bureaus, Elan Financial violated my consumer rights and is refusing to honor the fact that they did so and delete said account. USC 1681a Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning Elan Financial and I should have been the only person ( s ) to know that the account was 30 days late, but the illegally reported that info to 2 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/2022, US Bank sent a letter indicating that I had unpaid XXXX charges on my vehicle and the bank had received a letter from the XXXX XXXX XXXX in Colorado indicating the amount of the tolls and multiple fines/ citations as a result of the tolls not being paid on time. The tolls were for travel on XXXX where tolling is by camera or toll box only ( i.e., there is no way to pay while passing through the tolls ). Because the vehicle is leased, it is registered to US Bank. When the tolling company sends a bill, the bill goes to US Bank. Over several months, US Bank did not pass these bills along to me or add them to my monthly bill. After several months, the tolls accumulated and so did citations for lack of payment. In the XX/XX/2022, letter US Bank stated that if I did not pay the tolls, US Bank would pay them, pass the charges on to me, AND add another fine. I spoke to US Bank customer service in XXXX / XX/XX/2022 and spent well over an hour with an agent who was kind but completely unhelpful. My understanding is that she was filing an internal complaint on my behalf with US Bank. Several months have passed now, and I have received no response from the bank. To ensure further fines did not accumulate, I called XXXX and requested that the citations be waived. XXXX could not waive all the citations but reduced the total to ~ {$100.00}. A few dollars in tolls turned into a large expense for me because US Bank did not properly pass along bills it received for my vehicle. US Bank also does not have an effective complaints process. These practices amount to unfair consumer practices that I believe are a violation of UDAAP. I lost money because US Bank does not have internal processes to properly manage leases. While the payment of tolls is my responsibility, I can not pay tolls on a toll-by-camera road if the bills are never sent to me. Further, US Bank 's employees are inadequately trained and its complaint procedures appear to be a complete sham.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After I am a very disgruntled customer. And Im not being treated with honesty or transparency. I called in XX/XX/XXXX to END my forbearance and could resume payments. I was told I could modify the terms of my loan to address the balance that accrued while in forbearance. Noting this went into forbearance due to both my husband and I losing our jobs due to COVID. I have been trying to resume payments since XXXX XXXXXXXX. Due to a misstep by your agents on XX/XX/XXXX, my first loan modification was cancelled. I received an apology for the miscommunication and finally received NEW loan modification terms on XX/XX/XXXX. At that point, I sent the required trial payment and subsequent trial payments. I have still not received my loan modification documents. On XX/XX/XXXX I received by certified mail that I had a right to cure my mortgage and that failure to do so bu XX/XX/XXXX would result in foreclosure of my home. I have little confidence in your process as this has been an issue since XXXX when the the firstl loan modification promised me was ALSO cancelled by some glitch in your system. I have been disconnected 3 times today and each time I need to start over, and I never have been able to reach my relationship manager XXXX XXXX. The problem, is that no one ever gives me the same answer. Contradictory instructions and misinformation is not acceptable. Period. I am requesting a letter that indicates foreclosure proceedings is an error ON YOUR PART. You can call it a glitch, but this excuse doesnt fly when I might lose my home and my credit is being affected. On XXXX I spoke with XXXX. The take aways from this conversation as follows : 1- Loan Modification in progress- NOT TRUE 2-Foreclosure notice sent/generated in error NOT TRUE 3-No action required on my part. No payment required NOT TRUE 4-was reassured credit not being affected NOT TRUE 4-Loan Docs not sent as of XXXXTRUE 5-Underwriting waiting on title- which is a lie, that I learned when I spoke to an agent on XX/XX/XXXX. This is the second time Ive been lied to, but asked to file under miscommunication '' This info WAS NOT ACCURATE, in fact- had I not called on XX/XX/XXXX, the foreclosure would have proceeded. This is YOUR error. What would have happened if I did not call today? On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) 1- Loan modification was cancelled mysteriously 27 days ago 2-Therefore foreclosure WAS/IS proceeding, however he CANCELLED it and escalated the loan modification 3-Credit entities WERE NOTIFIED of late payments, Im told that you will notify the credit reporting agencies that it is YOUR error and I want this in writing from you. The explanation I received? Some random deferment plan was open and messed up the process? I was told, this has been cancelled and that the load modification terms in place in XXXX would be honored. 4-expect to receive docs 2-3 weeks Again, this is an absolute mess and I do not know what is truth is ( and dont appreciate being lied to ). Your prompt attention is expected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The are unauthorized Inquiries reported on my credit report for the following : XXXX XXXX on XX/XX/XXXX, Elan Financial on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank XXXX XXXX on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a new US Bank Checking Account based on a bonus that they were offering on their website. They offered a {$500.00} new account sign-up bonus based on the following terms : - Enter the promo code XXXX when applying - Account must be opened by XX/XX/XXXX of this year - Total {$5000.00} or more in direct deposits within 60 days of account opening - You must enroll in online banking or the U.S. Bank Mobile App within 60 days of account opening The offer is not for existing U.S. Bank consumer checking accountholders, or had a U.S. Bank consumer checking account in the last two years. I completed all the requirements, fully and in a timely manner but I had not received my bonus after 90 days. I had then spoken with multiple US Bank representatives and they all confirmed with me that I had completed the requirements needed to receive the bonus and will process my request with the back office. Here are the details of those representatives : -XXXX XXXXXX/XX/XXXX XXXX PST XXXX confirmed that I should have received the promotion and will submit a request to the back office to get that processed. Said I should hear back within 1-2 business days. - XXXX XX/XX/XXXX XXXX PST I followed up because I haven't heard back and XXXX XXXX the same details that I should have received the promotion, but didn't see that a request was filed so she went ahead and submitted that again. - XXXX XX/XX/XXXX XXXX PST - I followed up again and she also confirmed that all requirements are met, but to wait XXXX more weeks - XXXX XX/XX/XXXX XXXX PST - I followed up XXXX more time and after reviewing my employer information, XXXX once again confirmed that I fulfilled my promotion requirements and said that I should have received the bonus by XX/XX/XXXX, and that he has made a case for this to be investigated. After all thosecalls and numerous follow ups, I finally received a callback on XX/XX/XXXX at XXXX from a USBank Representative named XXXX XXXX only for him to leave a voicemail stating that I would not receive the sign-up bonus because the code was " not intended '' for me. Here is why I have an issue with that remark : 1 ) I applied from the US bank website directly where this offer was advertised, not on a third party website. 2 ) I did not receive any sort of error message or a " not applicable '' when I first entered the code with my name and address in the application. 3 ) After my account was fully established, the US Bank teller that I had gone to in order to activate my debit card also confirmed that the promo code was applied and valid for my account. ( Date of visit XX/XX/XXXX ) 4 ) In addition to the bank teller at the local US bank, all 4 Online US bank representatives mentioned above stated that I had successfully completed the requirements to receive the bonus after reviewing my full account details. 5 ) I had never receivedany email at any point stating that my code was " not intended for me '' or any sort of email claiming that I did not qualify. For them to tell me that my code was notmeant for me after opening an account with them, paying their monthly account fees for the past 6 months ( only reimbursed as long as I maintain their minimum ) & calling numerous times and hearing otherwise from everyone else that works there is disappointing and very upsetting as I would not have taken the time to open a new account, provide my confidentialinformation and deposit my money with them if I knew I wasn't going to receive any incentive in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We had a mortgage serviced by US Bank. We decided to sell the home that was associated with said mortgage, found a buyer and had a closing date of XX/XX/XXXX. Our title company called us on XX/XX/XXXX and said when they were pulling liens on the property, they noticed there was one extra lien than what we had listed in our disclosure documents. Also, when the title company requested a payoff from XXXX ( who manages partial claims for HUD ), the dollar value in the payoff did not match the dollar value that we had listed in our disclosure documents. On XX/XX/XXXX, we called the lost mitigation department at US Bank and were transferred to a supervisor who discovered the issue. She said US Bank had made a mistake when we did a loan modification in XXXX of XXXX. Here was the issue : In XX/XX/XXXX we needed to do a loan modification due to covid. We were able to do a partial claim modification, where around $ XXXX was sent to HUD as a partial claim second loan and US Bank put a Partial Claim Deed of Trust on the property form the same amount. In XX/XX/XXXX US Bank contacted us and said they had made an error to the percentage rate listed in the XXXX modification, that our partial claim amount will be reduced to around $ XXXX, and they needed to REVISE the modification. They sent us a new packet which we signed and notarized and returned to US Bank. This is where the error occurred. When US Bank finalized the REVISED modification, they added a new Partial Claim Deed of Trust on the property for $ XXXX BUT never removed the Partial Claim Deed of Trust for the original modification amount of $ XXXX. US Bank also did NOT send the revised Partial Claim amount to HUD ( that is why XXXX was showing $ XXXX instead of $ XXXX in their payoff letter ). On that XX/XX/XXXX phone conversation with US Bank, the representative said that US Bank does Wishes to Do No Harm, would Rush the resolution so that we could still close on the house on XX/XX/XXXX. The representative said she would call us on Friday XXXX for an update, which she did ( US Bank still working the issue ). She said she would call us again on Tuesday XXXX, which she did ( US Bank Still working the issue ). She said she would call us every day to give us an update. She called on Wednesday XXXX ( US Bank Still working the issue ), did NOT call on XXXX XXXX nor did she call us on XXXX which was our closing date. I got on the phone early Friday XX/XX/XXXX to find out the progress. Our representative was not available but the customer service team would leave her a message to call us back. Our closing was at XXXX and US Bank never called with an update before closing. Luckily our title company was able to find a way to close so the new owners could take possession and we would not loose the sale of the house. The stipulation was that the title company would have to hold ALL of our proceeds in an escrow account until US Bank resolved the issue. I called US Bank again on XXXX after we closed and got ahold of a really rude supervisor who PROMISED either he or the representative that we had been working with would call us back that day. No one ever called. Between XX/XX/XXXX to XX/XX/XXXX I either called or our US Bank representative called us to get an update ( which was Still working the issue ). On Friday XX/XX/XXXX, our US Bank representative called and said they had finally resolved the issue! US Bank had received communication from HUD confirming the $ XXXX was an incorrect Partial claim amount and got permission from HUD to remove the partial claim deed of trust from the property. US Bank said to make things easier, we are going to absorb the $ XXXX into the original loan and provide a new payoff amount to the title company which they did. The due date for the payoff remained the same as the original payoff due date, which was the following Monday XX/XX/XXXX. We got in touch with our title company on Friday XX/XX/XXXX to share the good news. They pulled a new payoff from XXXX and looked at public records. Both the {$76.00} deed of trust was still on public record AND the XXXX payoff still showed $ XXXX. On Monday XX/XX/XXXX I called US Bank and our representative was out of the office. The other supervisors can not help with the case because only the supervisor assigned to the case can see all the notes and what departments and staff are working the issue. My husband called HUD directly to see where they were in removing the $ XXXX from their record. In order to reach XXXX, you have to call the FHA Resource Center who will then get a message to XXXX. The FHA Resource Center person said XXXX will respond within 5 business days. She also gave us an email address to HUDs partial claim department. On Tuesday XX/XX/XXXX I called US Bank. Our representative happened to pick up the phone. She said US Bank is in the process of drafting the letter to release the $ XXXX XXXX from public record. She did not have any information on the timeline for US Bank to complete said letter nor did she have a timeline for XXXX to remove the $ XXXX from their records. She also committed to calling us every day for an update. On Wednesday XX/XX/XXXX our representative called at the end of the day and had no new information. I sent an email to the HUD partial claim department, detailing the issue and asking they expedite our case. WE ARE CURRENTLY LIVING IN A CAMPER AT A CAMPGROUND until both US Bank and XXXX resolve their issues. Our title company will not release any funds to us until these resolutions are complete, so we have no money to put a down payment on a new property. On XXXX XX/XX/XXXX our US Bank representative did not call. Today, XXXX XX/XX/XXXX I called US Bank. They were not able to transfer us to our representative but they sent her an email asking her to call us with an update. It has been 23 calendar days, 17 working days since US Bank first admitted their mistake. It has been 5 working days since HUD provided permission to remove the $ XXXX lien from public record. If our case has been stamped with RUSH, WHY is it taking US Bank over 5 working days to fill out a template form to release the lien from public record! We, nor our title company, has received a copy of said letter, which our US Bank representative said they would email as soon as it was complete! US Bank admitted their error on Thursday XX/XX/XXXX. We closed on our property on Friday XX/XX/XXXX. It is now Friday XX/XX/XXXX OVER 3 weeks to resolve this issue. Why is it not resolved? We did our part and paid off our US Bank payoff by the due date of Monday XX/XX/XXXX. US Bank IS DOING US HARM by not resolving their mistake. US Bank should be able to provide a timeline/due date on when they would get their part resolved. They should also provide a timeline/due date on when HUD would remove the incorrect $ XXXX from public record. This whole process has been totally unacceptable. US Bank will NOT give us the contact information for the department actually making the correction. HUD will NOT give us the contact information at XXXX who would be removing the incorrect $ XXXX partial claim from record. We need to know when these issues will be resolved so we can make future plans. We are in limbo until these issues are resolved. Thus far our credit scores have gone down XXXX points. Creditors are calling every day and we are building up additional interest and late fees on said creditors ( which we were going to pay off with our house proceeds ). Any help to get this issue resolved BY THE END OF THE MONTH ( XX/XX/XXXX ) would be greatly appreciated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A