Date Received: 2022-08-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My unemployment was stolen from a US bank relia Card. The amount was {$18000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: My US Bank Visa card was cancelled. The company stated it was because a merchant had been hacked, and that my personal information may have been compromised. I was sent a replacement card, but the company refuses to tell me who the merchant was or what personal information was compromised. I have requested this information twice over the phone. The company promised to address my concerns in a letter, by XX/XX/XXXX. No letter was received. I would like information on the security breach, including the merchant 's name and what personal information has been compromised. I believe this information could potentially help me avoid future breaches.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following account need to be removed as they are fraudulent. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. On multiple occasions I requested ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. They have yet to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed that ELAN FINANCIAL have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ELAN FINANCIAL and XXXX to verify these inquiries. They have yet to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Explanation of Circumstances : A conditional approval of the Deed-in-Lieu of Foreclosure, dated XXXX, was mailed to the Complainants ( see attached ). Per the conditional approval letter, a property inspection was conducted by a vendor of the U.S. Bank on or about XX/XX/XXXX Subsequent to the inspection, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of the U.S. Bank, filed a claim for damages with the XXXX XXXX XXXX, claiming damages to the dwelling and structure including but not limited to water damage to ceilings, walls and floorings due to burst pipes ( see attached ). Inspection of the subject property by the Claimants General Contractor revealed no damage of the type stated in XXXX claim. Photographs of the propertys interior taken by the Claimants General Contractor were shared with XXXX XXXX of XXXX ( see attached email exchange ). A letter to the Claimants from U. S. Bank, dated XXXX, stated the request for an alternative foreclosure option has been declined for the following reason : the subject property is not in an acceptable condition per program guidelines ( see attached ). On XX/XX/XXXX, XXXX XXXX sent a letter to XXXX XXXX XXXX, denying the insurance claim based on evidence from the Claimants General Contractor and stating, the walls were not wet and only some minor wear and tear ( see attached ) On XX/XX/XXXX, the Claimant sent a letter to the U.S. Bank disputing the vendor-inspectors characterization of damages at the subject property, referencing the Claimants own inspection, the denial of the XXXX insurance claim, and requesting that the Deed-in-Lieu of Foreclosure file be reopened. On XX/XX/XXXX, the Claimants received a letter from U.S. Bank dated XXXX, stating that the bank had found no errors in its decision to decline approval of the Deed-in-Lieu of Foreclosure. The letter also states that while the insurance claim was denied, per the inspection, there was evidence of water damage and neglect of the property. The letter further states that, we have enclosed documents and information to determine that no error has occurred ( see attached ). The aforementioned documents and information were not included with the letter dated XX/XX/XXXX. The Claimants have requested copies of those documents ( see attached ). Other pertinent information : 1. Since the inspection report on or about XXXX, has been referenced numerous times as the basis for the denial of the Deed-in-Lieu of Foreclosure, Claimants have attempted to obtain a copy of the report. An email from the U.S. Bank stating that such reports will only be released under court order ( see attached ) 2. In a discussion with XXXX XXXX about the inspection report, he stated the following : : The inspector, XXXX XXXX, has been working as an agent reporting on the subject property since XXXX. : The report is a series of check boxes as to the propertys condition. : That the report lacks any specificity as to the condition. : The report does note water damage, mold and fascia damage, however is not specific as to where the damage exists or the extent of damages. : In his experience, agents such as XXXX, note every possible flaw related to the subject property, in an effort to secure work orders to repair the damages. : In his experience related to vacant properties, the subject property is in excellent condition and some of the best he has ever seen. 3. The Claimants have been involved in numerous Loss Mitigation programs with the U.S. Bank over the past three years, including Short Sale. Due to market conditions, varying appraisal amounts and decisions such as the most recent by the Bank, none of those have been successful. The subject property is now at risk of foreclosure. The foreclosure is active ( see attached email ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55418
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Paid off a loan for a travel trailer XX/XX/2022. US Bank has still failed to release the lien and I am unable to get a clear title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Checked my heloc balance to find a XXXX dollar Insurance fee on a loan of XXXX. This home has always and currently has updated insurance policies. One homeowner policy and an H06 policy. After reaching out to the bank, I was informed that yes that is a mistake on their part, however they must now investigate and will get back to me soon. Meanwhile my heloc balance is now XXXX more and I am currently being charged interest on this new balance. In addition my credit is being impacted as it appears as if I borrowed an additional XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: This all took place starting around XX/XX/22 until present ... .I received balance transfer offer from US Bank in the mail. I used it to pay off my XXXX XXXXXXXX XXXX XXXX I called US Bank to ask why it was returned, I talked to three representative 's there. The first one said she was not able to identify me with the information i provided. I gave her everything she asked for. She sent me to her manager the manager asked me the same questions, i was able to answer all of the questions again. She stated she was not able to verify me. Now I was getting frustrated and I asked for her manager who asked me the same verifying questions which i was able to answer. They were rude mean and the last manager turned off my US Bank Credit Card and cancelled my Promotional checks. She said i will need to go to a US Bank to verify myself. The closet bank to me is 1 hour away. So the following week i called the US Bank Credit Card # back and talked to XXXX he asked me to verify i did and he said he will send me the security code to my phone to verify me and it worked. I told him what happen the week before. He said no need to go the bank i verified you and will turn your credit card and checks back on. He said to mail in the check for the offer i wanted and it will be fine. they don't accept electronic transfer balances you have to mail the offer check in. So i mailed it in to XXXX XXXX XXXX. ( ( ( ( ( ( ( a week later i got a call form a lady she said she was from the corporate office with US Bank and stated she listened to the 3 people who spoke to who couldn't verify me and apologized over and over for their bad behavior and for them turning my XXXX credit card off and my offer checks She stated they should not have done that to me they could have sent me the security link to my phone like XXXX did and that they would all be addressed about the matter.. She stated she is going to issue me a XXXX credit for the incident. I told her how well XXXX had treated me and fixed me right up. She stated she knew XXXX personally they had worked together many years ago but she now works at corporate office. ) ) ) ) ) ) ) So like I said I mailed the reduced interest offer check to XXXX XXXX XXXX and a week later it was returned from the bank they wouldn't honor it. XXXX XXXX XXXX said they were shutting my card off due to dishonored check 's presented to them and my other 5 credit cards with XXXX XXXX were turned off by XXXX. I receive 5 letters notifying me of this process. I called US Bank Back asked for corporate no one would give me the phone #. I tried to look it up online and was routed all around. Finally i opted to call the credit card line again and told the representative what had happened she issued a check directly from the bank to XXXX XXXX XXXX I gave her the address and told her they shut off my cards due to this issue and i was very upset. I called XXXX XXXX and talked to XXXX he is a supervisor to handle issues like mine - He stated i need US Bank to send XXXX XXXX a letter stating this was their fault and they will look into restoring my credit cards. - Again I called US Bank got a XXXX type guy i could barley understand and i told him what i needed he said he could not hear me and hung up on me. I was done so i am now filing this compliant. I have a XXXX card - XXXX in credit -- XXXX card XXXX in credit- XXXX XXXX card i was using for my medical treatment with almost XXXX credit on it. my XXXX XXXX card with XXXX credit and my XXXX credit card with XXXX credit all cancelled because of really the start of the mess is the 3 women who would not do their job correctly is what started this domino effect of a nightmare i am going through now. I am so upset i order all my necessary stuff from XXXX 's because i have XXXX XXXX XXXX XXXX XXXX XXXX XXXX thru their store plus closest store is 1 hour away. now i can not use my XXXX 's card or get my rewards for purchases or gas purchases. you can check i used it every week or two sometimes more. I can not use my XXXX store card no rewards on my purchases any more using a different card of mine i still shop at both places but no rewards free shipping etc. My XXXX XXXX card i was using for doctors bills interest free is now shut off all because of US Bank and the worst of all i have been with US Bank for 30 Years never an issue now they got my whole life flipped upside down. I have all the letters XXXX has sent me the rest of the offer letter checks from us bank and i know they can re pull the calls to review they have done it once. -- -- -I attached XXXX XXXX fax # for us bank to fax a letter stating this is their error and call them at XXXX to resolve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 638XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened bank accounts in my name fraudulently with US Bank, XXXX XXXX, and XXXX that I know of. They also opened received a personal loan for {$35000.00} fraudulently from XXXX XXXX XXXX and attempted to open line of credit with Citizen Bank. Also opened credit cards with US Bank and XXXX. They also made purchases on my XXXX XXXX for over {$4000.00}. In addition, they also accessed the 3 credit bureaus and made changes to my personal information as well as filed fake consumer reports with the bureaus with fraudulent phone numbers. Scammers also forwarded my mail to an unrecognized address. This has all occurred during the month of XX/XX/2022. I have taken actions by filing disputes with all the banks and lenders that I am aware of that had fraud. Also placed freezes and filed security alerts with all 3 credit bureaus and check systems. Also added extra layer of security with my current banks and lenders with verbal passwords. Notified and cancelled the mail forwarding request with the Post Office. Also signed up for credit monitoring services to combat further identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A