Date Received: 2022-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have accounts that are inaccurate and its destroying my credit. Send legal proof with accurate information within the legal days or please remove the items immediately within the legal time frame. The following accounts are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please see attached letter. Also, US Bank, and their outside legal counsel, stated I would receive my Reinstatement and Payoff Demand Letters by Thursday, XX/XX/2022, but I never received it. I called the attorney the next day to get it, but XXXX XXXX stated they still didn't have them and couldn't say why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: US Bank offered {$300.00} after opening account with a {$5000.00} minimum. Money needs to be in account at least 90 Days. My deposit was made over 120 days ago and havent received the {$300.00} dollars. Ive called customer service three times in the last month about not receiving the {$300.00} with no success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91354
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 my checking account was hacked by a man that represented himself as being a XXXX support representative, I was having problems logging in to my XXXX account, a qr code come up in the screen as I was logging in, the moment I scanned the code with my phone I received a phone call from the man described above, he asked me to log on to my XXXX account and he could help me log in, I did exactly that, it was at that moment he literally took over my phone, had access to my XXXX account that was also linked to my XXXX account thru my US bank , he did 3 transactions back to back totally XXXX, he used my name however he changed the phone number to his, I immediately called US Bank and reported it as fraud and closed out my checking account, after 3 wks US Bank denied my fraud complaint because they said I authorized it and it was my loss. I have requested the paperwork they used to make a determination of denial, I have yet to receive that, and the merchant letters that was supposed to go out to 2 of my debtors explaining why their debts was returned, after 6 wks they still have not received it and each time I call the fraud department I am given the go around and told the letters have been sent, I contact my debtors personally and each of them have told me they have not received them. My bank refuses to give me the information I need to fight this, they also continue to tell me this was my fault and there was nothing they can do because XXXX is automatically sent and because the hacker used my name as the recipient it is my loss. I thought that we was protected under certain laws if this happened? Apparently not, I have also filed a complaint with the XXXX XXXX XXXX and haven't heard from them either. This XXXX XXXX up my life and took XXXX from me and I am being told I can't do anything about it, can you please help and give me some guidance?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
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 called in to dispute a charge XXXX XXXX XXXX XXXX keep charging after I canceled then in XXXX of this year. .The rude customer service agent kept asking me to verify who I and my son was. The more I verified The more she went on to the point of hassasment. Her Supervisor was more ignorant and rude then she was telling me they will call back XXXX Hours. After I verified my name DOB expiration on my DL, My Email address, Whats the year and make of my new 2022 XXXX XXXX and she just wouldn't stop, so I put a stop to it. I'm XXXX XXXX XXXX with many credits issue Cards and never been hassas like this.My son takes care of all my business and they seemed to had a problem with how I or he handled mine business. This must be investigated for Elder abuse.. My Insurance company is part of these unprofessional US Bank State Farm. I'm lodging a complaint with corporate also about how customers are treated. You can't even redeem rewards points on the site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In late XX/XX/2022 I contacted US Bank to remove PMI from my primary residence. Having a conventional loan I knew that this would require me to pay for an appraisal and require adequate XXXX. After initiating the process the bank sent paperwork to be signed and mailed back which was completed in XXXXXXXX XXXX. Not hearing anything for weeks I contact the bank and asked where we were at in the process. The agent confirmed the packet was received and someone from the PMI department would reach out. I asked for a direct phone number as to not delay the process and the rep stated they do not take incoming calls. We waited another several weeks and still heard nothing so I decided to contact the mortgage customer service once again. I immediately asked for a manager ( XXXX ) to ensure I was getting correct information. This truly was the worst interaction I have had with a financial institution. XXXX was abrasive, talked over me, and had no knowledge of the process as he stated he could not locate the complete PMI removal packet which was confirmed several weeks earlier to be received. Not being able to locate the paperwork XXXX initiated the PMI removal packet to be sent again. I filed a formal complaint with XXXX and the correspondence received via snail mail was that they did not receive the payment needed for the appraisal which is not clearly outlined in the packet. In the packet it stated that you will be contacted by the vendor to schedule the appraisal and to collect the payment. ( screenshot attached ) on Friday XX/XX/XXXX XXXX Bank was contacted the PMI fee has been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: USBANK Online mortgage application - Loan # XXXX. We completed all application requirements for a XXXX conventional mortgage with 20 % down for a second home in XXXX XXXX TX XXXX On the day of close, we were told that underwriting arbitrarily reclassified the loan as an investment property and that our funding, which was previously approved, was now disqualified. The decision was based on the buyer 's explanation section of the application in which we stated that our son would be living there while attending college. Under XXXX XXXX guidelines, a house may be classified as a second home as long as the owner maintains control of the home and lives on the property at least 15 days a year. I have reaffirmed multiple times to the lending team that the property will not be an investment property, will not collect rent and will not leave my control or go under any type of 3rd party management. USBank underwriting refuses to allow us to amend the omission on the buyers statement to include the language that we will live there at least 15 days a year. USBank is now suggesting that we add my XXXX XXXX XXXX son as the borrower and classify the house as a primary residence to bypass the gift fund restrictions on second homes and investment properties. Essentially, we are being asked by USBank to commit mortgage fraud and falsify loan documents to appease a single underwriter. We have been upfront and transparent regarding intended use of the home, source of funds, and all other qualifying factors for this loan. Not once during the 33 day loan process from application until the day of close were we told by anyone at USBank that the entire loan would depend on a single sentence in the buyer 's use statement. We meet all XXXX, XXXX, and Credit and Income requirements for a XXXX conventional note and USBank is using dishonest and discriminatory lending practices to disqualify us from this loan on the day of closing. US Bank has been negligent in their own due diligence and committed gross acts of omission throughout the course of this loan. Furthermore, USBank underwriting is actively encouraging the falsification of mortgage documents in contravention of federal guidelines for mortgage lending. USBank has also allowed forms to be corrected and resubmitted in their favor but refuses to grant us the same opportunity due to a mistake on a single form. Due to USBank 's malfeasance we were forced to go outside of the contract option period and will now lose our earnest money as well as our time and damage to our reputations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79705
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
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: XX/XX/2022 - charged {$1200.00} for " XXXX XXXX XXXX '' which I did not use/purchase XX/XX/2022 - U.S Bank issues provisional credit to offset that charge and starts an investigation XX/XX/2022 - U.S Bank finishes investigation and says the charge is valid and removes that provision credit I did not make this charge, and have no idea how or why it was ever charged to my card. I used a ** similar ** company called " XXXX XXXX '' back in XXXX with my other credit card card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is a hard inquiry on my credit report that I ( XXXX XXXX ) did not inquire about
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a US Bank business checking account with the following promotional terms : " Earn {$500.00} when you open a new business checking account and complete qualifying activities. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code XXXX. Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. Enroll in the U.S. Bank Mobile App or U.S. Bank Online Banking within 90 days of account opening. Complete XXXX qualifying transactions within 90 days of offer enrollment ( Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay ). '' I met all these requirements by depositing a total of {$5000.00} ( including an initial {$100.00} opening deposit ) within the 30 day period as well as completing the transactions. However, US Bank is not honoring the bonus, because it is claiming that my initial opening deposit of {$100.00} does not count towards the {$5000.00} in " new money. '' Nowhere in the bonus terms does it say anything about an initial deposit not being " new money '' and thus not qualifying. This is thus very confusing and unfair wording and I'm sure caused not only me but many others to miss out on this bonus. I am requesting US Bank honor the bonus as this requirement was not at all clear in the bonus wording.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A