Date Received: 2022-06-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is NOT a duplicate to complaint # XXXX In XX/XX/2015, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, and servicer to me since XX/XX/2015, was placed under supervisory restrictions by the XXXX referenced by XXXX # XXXX XXXX # XXXX and # XXXX. XXXX XXXX made financial profits at my expense and to my detriment, when they should never had been in business with me ( sppecifically servicing a mortgage ). Reference XXXX ID # MIN : XXXX Note Date : XX/XX/2015 XXXX Status : Inactive Servicer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, KY Investor : XXXX XXXX XXXX specific restrictions outlined below and a copy of the order from XXXX is attached to this complaint for reference : ( 1 ) no execution of new contracts or the amendment or renewal of existing contracts beyond current loan volume specified in existing contracts for the acquisition, by the Bank, of residential mortgage servicing, residential mortgage servicing rights, residential mortgage loans with servicing, or residential mortgage origination business entities without prior XXXX supervisory non-objection until termination of the Consent Order ( this does not apply to originations or refinancings by the Bank, contracts for new residential mortgage loans through the Banks broker or correspondent channels, or other contractual relationships where the Bank does not ultimately service the loans, and this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts ) ; ( 2 ) no execution of new contracts for the Bank to perform residential mortgage servicing for other parties without prior XXXX supervisory non-objection until termination of the Consent Order ; ( 3 ) no residential mortgage servicing related activities may be outsourced or sub-serviced to other parties without prior XXXX supervisory non-objection until termination of the Consent Order ( this is not intended to disrupt any of the Banks existing residential mortgage servicing related contracts, outsourced activities, or obligations pursuant to legal settlement, nor prohibit new contracts to outsource activities that are currently outsourced ) ; ( 4 ) no new off-shoring of residential mortgage servicing related activities without prior XXXX supervisory non-objection until termination of the Consent Order ; and ( 5 ) no new appointments of senior officers who have responsibility for residential mortgage servicing, residential mortgage servicing operations, residential mortgage servicing risk management, and residential mortgage servicing compliance without prior XXXX supervisory non-objection until termination of the Consent
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: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had business and personal accounts with US Bank for 16 years. My business is successful and I have never had a clients check returned I have been in business since XXXX. I deposited a {$24000.00} plus check with them on Friday XX/XX/XXXX They credit my account and then without informing me withdrew the funds, then returned a check I paid a business supplier with. This client has written approximately 10 checks since XX/XX/XXXX. The amount is smaller than a lot of our deposits. Then to add more trouble they charged me {$36.00} return check fee. My client has sent me a copy of the canceled check on her banks stationary along with account notes showing paid. I emailed it to US Banks Branch in XXXX XXXX I have spent all day on the phone with this bank!!! Us bank still refuses to release the funds!!! Another XXXX XXXX in the making
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank XXXX Colorado. Deposited check made out to me & my husband, both of us endorsed back of check. US bank the next day held check until we came in with both our IDs since it was a joint check being deposited into my sole account. We both went in with our IDs and copies were made. The branch manager was at lunch & we were told we would not have to return since copies of our IDs were made. The branch manager XXXX XXXX returned from lunch and proceeded to call me and yell at me for interrupting his 3 hour lunch & unless I personally came in showed him some respect and apologized before XXXX he would not deposit my check & make it hard for me to get my money this is a {$13000.00} check for my roof replacement which starts today & now I am at the whim of a manger who has a giant ego & thinks its his money not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80005
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2022 I received my pension on my us bank reliacard. I tried to use my card but was unable to. I called reliacard and was told I needed to go online and verify my I'd as my card had been defrauded of money, I told them that I did not authorize that transaction. I received a new card and the money back that had been taken. I went online twice to the website to verify my identity on the XXXX and XXXX of this month, I also sent a copy of my oregon drivers license front and back with the information they require in the mail to the address they gave me. I have been calling reliacard periodically to see if the block has been removed from my card each time I'm told that they havnt received anything or any proof that my identity has been verified. This is my only income, I'm looking at eviction, my bills are very late I also ca n't drive my truck as my insurance policy was cancelled due to nonpayment. I've done everything reliacard has asked me to do and when I call they are not helpful at all. Then I was told that there is no guarantee that the block will be removed from my card if and when my identity is verified. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am applying for the U.S. Bank XXXX XXXX XXXX XXXX on XX/XX/XXXX, since I receive a mail inviting me to open the account. I am also a US bank checking account customer and a customer for Fidelity Rewards Visa Signature Card which is part of US bank. I have a credit score of over XXXX. In the US bank card application, they don't set any rule for how many recent accounts I should have in order to get the card approved. I applied for the card but the application gets turned down because I have too many recent accounts, however, I only have 3 credit card hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in the recent 12 months and 1 hard inquiry ( XX/XX/XXXX ) for the recent 6 months, and after XXXX this year, I will only have 2 hard inquiry in recent 12 months, and 0 hard inquiry for recent 6 months. I have attached the credit inquiry from both XXXX and XXXX credit reports in this complaint. This is should not be counted as too many recent accounts in any scenario. If a US bank has any hard rule for how many recent accounts you want to see, like XXXX has a XX/XX/XXXX rule, you should clearly write it up before I send my application, rather than waste one of my hard inquiries and lower my credit score. Now I really think this is unreasonable, and I know several people have more recent inquiries than I did and get approved for this credit card. I feel I have been treated differently and unfairly. When I call the US bank underwriter service for manual review, they just keep repeating like a robot that I have too many recent accounts, and are very impatient and rude. I feel very uncomfortable as a US bank customer now. I would like US bank to treat me fair and equally and manually review my application again. As I have explained before, I don't have too many recent accounts and this is not a valid reason to turn down my application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Getting the loan
Subissue:
Consumer Complaint: In XX/XX/XXXX I approached the USBank Corp. with the intention of accessing my home equity and taking advantage of the special home equity loan rate promotion by USBank. I initially attempted to use the equity from a property in NC but the loan representation explained that rental property can not be used for home equity loans. We proceeded to establish the loan application using my primary residence in MD for the equity loan. We briefly discussed both properties and my mortgage history with them. The NC mortgage was 24 years along with no missed payments and the MD mortgage was 12 years along with no missed payments. I was fairly confident that I would get approved for the loan taking into account my most recent credit check and loan in XXXX. The loan process in XXXX was an auto loan and the approved rate was 2.9 % and the credit report/score at that time placed me in the top 5 %. With no derogatory actions in my credit report only unsecured debt, I was confident that USBank would approve my loan application. It was to my surprise that I was denied the equity loan and the loan agent forwarded the document that summarized the application rejection which had my credit score in the neighborhood of XXXX. I'm not sure what took place since XXXX but XXXX is low even for a new XXXX XXXX just starting out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I leased a XXXX XXXX XXXX, with XXXX XXXX and my lease was up in XXXX of XXXX. My lease payments were with US Bank. I asked for an extension, and was granted up to 6 months ( XX/XX/XXXX ) It was explained to me that it could be turned in at any time during those 6 months but that XX/XX/XXXX was the deadline. I went to lease a new vehicle in XX/XX/XXXX and turn my vehicle in. I spoke with the dealership the week of XX/XX/XXXX, at which time they contacted US Bank for the payoff amount. It was {$16000.00}, that amount was to be good til XXXX XXXX, which XXXX sent the check to US Bank on Monday XXXX, dated on that day, and they had told US Bank it was in mail. I clarified with XXXX, finance person, at XXXX on XX/XX/XXXX when I turned vehicle in and picked up my other lease, that it was being paid in full, and he said yes, I was clear, I owed nothing more. Then on XX/XX/XXXX US bank took an automatic withdrawal car payment out of my checking acct. I called to tell them I had turned it in and was given the all clear. They stipulated that they did not receive the check in time. But the check was received for {$16000.00} they amount for payoff that they quoted. So they essentially received full payoff and an additional payment of {$210.00}. When I first contacted, and they said I needed to file a formal dispute but that it ( {$210.00} ) would likely be returned when they caught their error. Filed dispute with them per XXXX. I received a letter saying my dispute was denied. I called and filed a new dispute ( per XXXX ), she seemed to completely understood the issue and said " she just didn't think that it had been adequately explained in the first dispute, but that she would better explain it, the best she could in the space she had on form ''. She was in agreement that they received the check and it was for payment in full and that another payment should not have come out. She said they were required to notify in 7 days and gave me a tracking number. I had not heard after 7 days ( and have not ever received 2 denial letter in mail ) so I called and spoke with XXXX, he reviewed the file and laughed saying " I was denied again '' and explained they probably would not be returning the money. I further explained that they accepted the {$16000.00} as payment in full and shouldn't have taken any more money, that my lease was definitively over on XX/XX/XXXX as it had been thoroughly explained to me it could go NO further. And that I had turned vehicle in on XX/XX/XXXX. He said I could file a 3rd dispute and I said I wanted to do so, he laughed again saying " good luck ''. He said he would file it but would also, connect me with the " end of term dept ''. He then hung up on me. And he never filed the 3rd dispute. I have also, spoken to XXXX and the called US Bank on my behalf as well and gotten the same run around. I do have a copy of the email payoff quote they were given the day my vehicle was turned in. I just feel as though they not only received full payoff, as quoted, but an full additional car payment. I do feel as though I am due that {$210.00} back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68107
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: At approximately XXXX pm on XX/XX/2022 I was sent a text message from US bank stating I had someone try to send XXXX payment to XXXX XXXX. I replied NO that I didnt and was immediately contacted by US bank fraud department.I was told that my account was in jeopardy of being closed. The person verified my account and social security number. I was then told to transferred XXXX via XXXX over to what I thought was my account. After I transferred the funds, I hung up to call US bank and was told there was no such thing and that I was scammed by the person. US bank is now saying that I am unable to get my funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was trying to buy a kitten as a gift for my sister and was scammed by a person pretending to sell kittens. They told me to send money via zelle, {$650.00}. I did, and they continued to ask for money, but I realized it was a scam before anything else happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a formal complaint against Elan Financial Service located in XXXX XXXX, Missouri. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Elan Financial Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A