Date Received: 2022-08-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, This is XXXX XXXX, resident of XXXX, California. I am reaching out to notify you about filing a report about an employment fraud/scam. I am a recent college XXXX and submitted my resume on XXXX site, then was reached out via text message from number ( XXXX ) XXXX about an opportunity on XX/XX/XXXX. I thought I was communicating with the actual XXXX XXXX and what I thought was a legitimate business. I was put into contact their alleged Chief Information Officer employee XXXX XXXX to see about the employment and job briefing via XXXX. After contacting someone posing as the real XXXX of the company, I was offered the work from home job. On the job application, my personal information like my social security and home address was included. XXXX XXXX then informed me that the company was issuing me a {$3500.00} check to purchase my at home office. The alleged company issued out a check on XX/XX/XXXX to acquire an at home office setup to begin training. Once the check was deposited to my account, I was asked to XXXX the money to individuals that were claimed to be the vendor and shipping agent. XX/XX/XXXX XXXX {$1000.00} payments to person XXXX XXXX and a {$1000.00} and {$400.00} payments to XXXX XXXX. The next day the XXXX, another check of {$4200.00} was issued to acquire the rest of the equipment but {$3500.00} of it was returned because of a problem with the issuer when trying to be deposited. The remaining {$700.00} was instructed to be sent to XXXX XXXX. I was then asked to pay for the rest of the equipment and would be reimbursed but I declined and this began my suspicions. The employees from the company have not been transparent and their communication has began to become suspicious and then ended all together after I alerted them I was reporting them for fraud and further investigation. I am now being charged by bank for the full amount of the fraud checks and am doing everything in my power to report and be protected and reimbursed for the bad money. These scammers were posing as the company and now I know it is a scam and fraud. I have also contacted my bank and credit union for a fraud alert to protect myself as well. US Bank and XXXX have not helped me or reimbursed me for the scam because they claim I had authorized the transactions and they are not held responsible. Which is unfair and now I am out the {$4200.00} that was sent to the scammers via XXXX. I have also filed a report with XXXX Police Department, XXXX District Attorny, FTC and FBI IC3. Please contact me to begin the next steps to further investigate and protect myself, and get the money back that was scammed from me. Here is my contact information. Cell : ( XXXX ) XXXX Email : XXXX Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received a text on XX/XX/28 at XXXXXXXX XXXX with a US Bank logo asking if I had initiated a large XXXX transfer. It looked legitimate and I responded no. Almost immediately I received a call from " US BANK '' Customer service #. Again, it looked legit. I was persuaded to " reverse '' the payment and in the course of 15 hours lost {$2400.00} to this scam as I was scammed out of every dime I had except {$43.00}. When I asked the " banker '' what was the timeline to see my funds returned and was told 45 minutes. After 1 hour I called US Bank and found that there was no pending reversals and that all of my $ $ was gone. I immediately filed a fraud report with US Bank over the XXXX XXXX transactions. I filed a police report, and when I went to my local US Bank with the report information I was treated like the criminal. My account had a 10 day hold on it, during this time I never received ANY communication from US Bank. I had to repeatedly call in to ask a status, I felt that there were no real notes in my file because I had to repeatedly tell the reason my accounts were frozen and I was treated mostly with a non-caring department and felt that I had been judged and discarded. I pointed out that in 10 years with US Bank I had never placed such a claim and why wasn't it questioned when out of the norm. On business day 9 I called in to discover US BANK DENIED ALL CLAIMS. How did they investigate and solve without speaking to me? I am a XXXX XXXX for my mother and when this happened, had I not had good friends, we likely would not have had food because after the incident I had {$43.00} combined from 3 accounts. XXXX said to report it to FBI. I want to go to my local news " investigates '' reporter and blast it to all since at this point I am being told I have no other recourse. It seems to me that if the BIG XXXX banks created and own XXXX, they are benefiting from " passing the buck '' and we little people have been swept under the rug. When I told them that I felt my rights had been violated per the CFPB, I was told that US BANK has a vast attorney base and they absolutely would know if my rights had been violated. And they had not. I feel that a class action law suit may be the only alternative I have to recoup my $ XXXX I am XXXX XXXX XXXX and work XXXX jobs. My mother draws {$1000.00} a month in SS benefits so we are not people with ample assets to recover from such a hit. This has affected me both XXXX and XXXX and I have no respect at all for US BANK or any other financial institution. I have documentation of the denials and I can go obtain the police report that include photos of the alleged bogus text messages and phone calls received from the " customer service '' number if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My issue is with US Bank. My father 's checking account was compromised when a check of his was stolen from a US Postal mailbox. Early in XXXX I had suspicion that something was wrong when a series of his checks had not been cashed. I stopped payment on these checks on XX/XX/2022 at out local US Bank. On XX/XX/2022 I was going over my father 's account and saw that he was overdrawn about {$2000.00} which surprised me considering the day before he had in access of {$13000.00}. I immediately looked over all his checks and came to find that a {$40.00} check somehow became a {$15000.00} check. I then went to the local US Bank branch and filed a report along with a police report. The branch worker told me it was now in the hands of the fraud dept. For the past 2 months I have not been contacted from the fraud dept nor been able to access anyone who could help me. Every time I call I get the run around. They transfer me from one dept to another and always end up back at the place that I started out. I don't see where this is my problem. The bank cashed a check that had a stop payment on it. What's the point of stopping payment if the check gets cashed anyway? I would like help in getting my father 's money back into his account and all overdrawn fees redeposited. Thx
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: US Bank charged my checking account overdraft fees totaling {$2400.00} from XX/XX/XXXX through XX/XX/XXXX, many of these fees are the result of charging an overdraft fee multiple times on the same transaction, or they are the result of changing the order of transactions after the fact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have purchase a US {$15000.00} CD with US bank which matured on XX/XX/2001 and its automatically renew at maturity. I totally forget about this CD until recently I found the contract. I presented the contract I have on hand to US bank XXXX XXXX XXXX in XXXX where I set up the CD. US bank claimed they can not find record that long ago. They referred me to escheament department and that department said they wont be able to find records beyond 7 years. By law if US bank deem its an abandoned property, it should be sent to unclaimed property XXXX. I have search all the unclaimed property in XXXX and XXXX where we have live during this period of time, all turn out negative. This CD is automatically renew at maturity, US bank should still be holding it. if the CD has been claimed, I would have to surrender the original contract, i would not be holding the original contract on hand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98030
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
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: Getting ready to upload 4 page cover letter providing detail of transaction where merchandise was never delivered/installed and communication with XXXX aka Elan was ignored. Elan Dispute personnel claim " XXXX XXXX '' denied dispute iao {$1900.00} for purchase of gazebo XXXXXXXX XXXX XXXX which was never delivered/provided to cardholder. Also submitting 8 pages of documents further evidencing failed transaction. Dispute process at Elan does not adequately investigate dispute and fails to protect cardholder rights!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX USPS Informed Delivery confirmation showing a US Bank Billing Statement/correspondence was sent by USPS delivery to XXXX XXXX. The statement/correspondence sent to XXXX XXXX directly references a debt for a mortgage/second mortgage, under account # XXXX ( see attachment # 1 USPS Informed Delivery confirmation of mail delivery on XX/XX/XXXX ). XX/XX/XXXX Qualified Written Request delivered on XXXX by USPS Priority Mail to US Bank National from XXXX XXXX specifically requesting validation of the mortgage debt referenced by the US Bank correspondence/statements being sent by USPS delivery to XXXX XXXX ( see attachment # 2 USPS confirmation of Priority Mail delivery ). US Bank the servicer must acknowledge a request for information within five business days and respond within 30 business days. CFPB Defines a QWR : What is a Qualified Written Request ( QWR )? A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information. BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1024 [ Docket No. CFPBXXXX XXXX XXXX XXXX Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) AGENCY : Bureau of Consumer Financial Protection . ACTION : Final rule ; official interpretations. https : //files.consumerfinance.govXXXX Ths is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I opened a Dispute on XXXX website with ELAN FINANCIAL SERVICES whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX in a XXXX XXXX, and still am until XX/XX/XXXX ( currently in a XXXX XXXX ). I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX where I notified them of the crimes against me. Further, I included the Civil Court documents from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. XXXX XXXX and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While incarcerated, all my accounts were assigned to the address in XXXX XXXX of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX ( except for 4 years I spent in a XXXX XXXX during this term of XXXX XXXX and can clearly show this fact. Further, I am protected by the laws of XXXX and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78617
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Saturday, XX/XX/2022, I was contacted via phone by a person who claimed he was representing US Bank & the phone number he called from was the true US Bank phone number. He indicated that there were ( XXXX ) charges scheduled to be taken out of my account within the next XXXX minutes and that if I wanted to stop them, I must act quickly. The payments ( {$900.00} ) + ( {$900.00} ) + ( {$700.00} ) were all shown as pending as XXXX money transfers. I do not use XXXX nor do I do this kind of money transaction... ever. He tricked me by saying that I need to transfer the funds back to my account using XXXX and assisted me in setting up how to use a XXXX account and walked me through the transfer process. He gave me an email address and phone number to transfer the funds to and I questioned this but he repeated that he was a US Bank representative and to check the phone number he was calling from ( XXXX ) - this is indeed the US Bank main phone number so I was inclined to trust him. He prompted me to enter my name, then an email address and a phone number. The email address he used was XXXX. The phone number he used was XXXX. Again I questioned this but was reassured that this was how to stop the money transfer. The next day ( XX/XX/2022 ) the funds from my account were gone and I realized that I had been scammed. I called US Bank at the same phone number but this time, talked to actual representatives of the bank. They confirmed that my funds were transferred and connected me with the fraud department. They are in the process of investigating this and I wish them well. It was not their fault I was scammed but I believed the scammer because he was using the US Bank phone number. I am elderly and this scam hurt me bad financially, but I have no one to blame but the scammer for doing this to me. I've filed a police report and will pray for the best.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37055
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I have purchased two vehicles from US Bank. The seller was XXXX XXXX in XXXX. Vermont. My wife and I purchased them together and we have outstanding credit and supported income. We have lived in the same house for five years. We leased a XXXX and turned it in when the lease was up. We also leased a XXXX XXXX pick up and the lease is now over. We attempted to purchase the vehicle. They contacted us and took our credit information. We took a hit on our credit score only to be told that our credit was good we are just got done paying off a 3 1/2 year lease perfectly with no missed payments. US Bank ran our credit score dropped as a result and they sent us a letter of denial saying that they could not determine our address. Our address is the same address that we have had with them for five years and two vehicles now they're telling us they can't verify our address. They have been to our house to inspect our first vehicle where it was sent back after the end of the lease. Now our second vehicle would either be sent back or purchased and as I said we decided to purchase. They're telling us now that we have to pay cash in full for the car but we wanted to finance the car which is one of the options they offer but again like I said they declined us in writing stating that our home address couldn't be verified. We have been getting mail at the same location for five years regarding both of our vehicles by them. This is terrible. It seems like a scam. I'm not sure what to do. Obviously I'm looking for another vehicle and I had to release this one for an extra two months. I'm filing a complaint with the consumer financial protection program about the treatment that I received from this banking institution by pulling my credit and my wife 's taking a hit with the credit and then being declined which is outrageous. We have very high credit scores and the appropriate money to show. I think someone there just did not like us they were rude on the phone when they were taking the credit application and then they hung up on us so I suspect that's what's going on with this decline. They can not treat consumers like this and they also can not run consumers credit having it meet all the criteria 's and then still declining us because they have a personal issue. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A