Date Received: 2022-06-04
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My lease on a XXXX XXXX XXXX began on XX/XX/XXXX and was for a term of 24 months. In the few months prior to end of lease, I began receiving calls from US Bank regarding where my car was. I had taken it to XXXX of XXXX to assess if the car had any value over what I would owe on a payout and this somehow turned into US Bank thinking the vehicle was turned in. I spoke to US Bank representatives in early XXXX and stated that this was not the case and I would be returning the vehicle on XX/XX/XXXX. On XX/XX/XXXX, I returned my leased vehicle to XXXX of XXXX, which satisfied the end of my lease agreement. All payments were made, which was confirmed by the dealership. Paperwork stating that the vehicle was returned and the lease agreement had been terminated is in my possession. This should have ended me being charged by US Bank and this account should have been off my credit report. I DO expect a final bill from them as they have a turn-in fee at end of lease. Since that day, I have been charged two separate monthly lease payment fees and just received a notice that the account was delinquent ( XX/XX/XXXX ). This is despite the fact that I have gone back and forth with US Bank representatives regarding this being an issue. Initially, I entertained their assertion that it was somehow my responsibility to coordinate communication between them and the dealership regarding the whereabouts of the vehicle. Between 1 and 2 weeks after turning the vehicle in, the dealership advised that they informed US Bank that the vehicle was in their lot and they could come get it. I visually confirmed multiple times that the vehicle remained in the same exact spot that I left it on XX/XX/XXXX. For the last month I have been telling US Bank that the vehicle is at the dealership and there is no legal reason to continue charging me for the lease. Each time, I have been told that they will not charge me anymore. Approximately two to three weeks ago, a US Bank representative told me that they would handle the situation directly after getting off the phone with me. This was after I demanded a supervisor and was not transferred to one. I accepted the presumed sincere conclusion, but then received the aforementioned delinquent notice and saw my credit score go down 70 or so points. Yesterday, I called US Bank billing and was told that the vehicle has still not been accounted for by US Bank and would need to be for the account to be fixed. I was told to talk to the leasing department ( who has been my main contact for almost all communication ) and immediately called them. I was again told that XXXX of XXXX did not let them know the vehicle that the vehicle was in their possession, which is impossible. Myself and the lease return representative at XXXX of XXXX both informed them of the contrary. The representative wanted me to again coordinate with the dealership. I informed her that I have an extensive history with dealing with this specific problem and the vehicle has not been in my possession nor is it my legal responsibility to know it's whereabouts. She tried to tell me that I was incorrect, despite the complete ridiculousness of a consumer somehow being responsible for being tasked with the security of a vehicle on a dealership lot. This representative of US Bank, after ignoring my demand to speak to a supervisor, then put me on hold for XXXX minutes to contact the dealership. Upon returning to the call, she informed me that the dealership lease return representative was not in today but she had passed my account on to the " team '' which schedules and collects vehicles. This would be fine if it satisfied the account, but I was told it was in my best interest to call again next week to confirm this was completed. My account balance and delinquent status remains for who knows how long. Without being dramatic, I'm scheduled to close on my house this month and am the sole provider for a family of XXXX. We've been hemorrhaging cash on XXXX rentals and if the closing falls through I will suffer significantly. US Bank could not be anymore inept in their handling of this situation. They've damaged my credit, caused undue stress, and could potentially cost me thousands if I'm forced to reapply for a mortgage at a much higher interest rate ( not to mention costs a associated with renting expensive furnished housing ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have 2 accounts with XXXX XXXX Bank. A credit card and an auto loan. I mistakenly sent the XXXX loan payment to the credit card. I called in the minute I realized that mistake. I had to contact Elan Financial as they are the company related to the Credit Card account. The amount I paid was {$6500.00}. I called in on XX/XX/XXXX to have the amount reversed as I don't even have a credit limit that high on the credit card. They told me due to the large amount that I would need to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the representative told me she had reversed the amount and transferred back into my account. She told me it should show up in my bank in 2-5 business days. Today is XX/XX/XXXX still not credit in my account. So I call into Elan Financial again and they told me a check had been cut for the amount on XX/XX/XXXX and mailed out on XX/XX/XXXX. I was given the wrong information three different times. Meanwhile I am accruing daily interest rates on the auto loan I am trying to pay off. You don t lie to the consumer and you sure don't hold the consumers money hostage. It was not over the Federal Reserve XXXX deposit amount so please help me XXXXget my money back so I can simply pay off my auto loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Was declined credit card. See attached pdf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33525
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was on an 18 month loan forbearance due to COVID - when it ended I was sent two letters. The first stated at the bottom that I would need to start my regular mortgage payments on XX/XX/XXXX. ( On the second page of this first letter half way down it also mentioned another contractural payment due XX/XX/XXXX. ). The second letter that required a signature ( I signed and mailed back by XX/XX/XXXX as requested ) did not mention this XXXX contractural payment at all. This is what I signed and agreed to. I was also told to call and make XXXX payment not to process it on line. I called. XX/XX/XXXX and made the XXXX payment. During that call no one asked about the money which I did not realize I needed to pay on XX/XX/XXXX. I also asked to get back on auto pay, they told me I had to wait to do that. I called back the end of XXXX to make my XXXX payment and was told I had been kicked off the deferral agreement that added my 18 months to the end of my loan agreement and could not make a payment. My only options were to pay the deferred amount or go on a flex modification program that changed my 15 year conventional mortgage into a 40 year balloon mortgage. I have had many call and conversations with US Banks Loss Mitigation department and they refuse to correct the mistake. I explained that I was going through medical issues in XXXX ( I had a XXXX leak that was XXXX XXXX XXXX ) when the deferral agreement was sent out. I apologized if I did not realize I owed money in XXXX and offered to pay that and the XXXX mortgage payment. They told me I could not make XXXX payment. I have put in two complaints asking for my phone conversation records which they have denied. I have also asked to speak directly with someone from that department instead of relationship managers and their supervisors. Ive called weekly to correct this issue and jump through hoops to get a supervisor on the phone. I admit there was an error, but it was caused because of my injury and not clearly understanding. I do not understand why two letters were sent with different information and only one required to sign and return. Also, when talking about money owed it should always be discussed by what is owed first. Why are they focused on what is owed in XXXX, if I also owe money in XXXX? It just seems like a way to confuse people and take advantage of them after they already had issues due to COVID.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I uploaded a cell phone number to my reliacard account. I did not request sms messaging between myself and the bank. I started receiving text messages marked as spam warning me about the messages including one directing me on how to clear the account. When XX/XX/2020 I tried to use the account I was locked out. The person 's there alleged I reported fraud. The story then changed, they alleged the account had been red flagged by activity and I needed to submit my id and social security number. This, according to their emails is the fraud. {$3300.00} has been frozen. The card services personnel had no information as to how to deal with internal fraud reported by the consumer. I have noticed over XXXX other recipients have reported this matter on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received an email from US Bank on XX/XX/22 at XXXX XXXX indicating that I had applied for a card ( I currently have a credit card with this company ). Dear XXXX, Thank you for applying for the XXXX XXXX XXXX Card. Give us some time to review your application. We may contact you to verify your info or request documents. Youll certainly hear from us when weve reached a decision, which usually takes 7-10 business days. We appreciate your patience. Thank you for choosing U.S. Bank. I received another email on XX/XX/22 at XXXX XXXX from US Bank : Your card will arrive by mail in about 7 days. Be sure to activate it that will give you a total credit line of {$17000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78747
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have a loan with U.S. Bank for my XXXX XXXX. I downloaded the app to make payments and attempted to make payments on time every month, but due to errors with the app I was unable to make payments on time. Over the course of XXXX months, my payments were returned from XXXX separate bank accounts and I was charged a late fee for each failed payment. After noticing my payments had all been returned, I then linked my account to the app to make the payment and the same issue persisted. I was then contacted by US Bank for the first time, by the Collections department asking for payment and giving notice that I had been sent to collections effectively negatively impacting my credit score. I explained the situation to the representative and asked what could be done and she advised that all she could do was waive my most recent late payment fee and pass me on to either the dispute section or app section to attempt to rectify my issue. I filed a dispute with the dispute section but still have not heard anything back to this day. A week passed, I called to pay my debt in full over the phone after not hearing anything back from the dispute section about my complaint. When I told the representative that I was calling to pay my loan up to date, she asked " do you still have the vehicle? '' Of course, I was confused and she told me that my car had been placed on repossession. No notice, no communication at all had been given to me nor had anyone addressed my issue with the app, but they were planning to repo my car. I told the representative I'd like to pay everything up to date and start fresh with no issues. I was given a total, I paid the total and went on about my day. Then a week later, within the same month, I was called again by a representative telling me that I was late making a payment and had been charged a late fee. Apparently the last representative I spoke to only charged me a portion of my current bill, so I was assessed another late fee and behind again and still can not pay through the app.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi CFPB, I opened a business checking account with US Bank on XX/XX/2021, which came with a promotional offer where I would receive {$300.00} after depositing at least {$5000.00} within 30 days of account opening and maintaining at least {$5000.00} for 60 day after account opening, as well as logging into the online banking within 60 days of account opening. I had performed both of these tasks yet do not see the bonus posted to my account. I would appreciate if you could look into this and inform US Bank that {$300.00} is to be posted to my account. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In 2008 I attempted to open a bank account with XXXX, It was closed within a few.weeks due to a XXXX alert. I found out that I had an outstanding debt with US Bank, which I paid and was finally able to open an account with XXXX. I recently was contacted by an attorney informing me I was going to be sued for non payment on a XXXX XXXX XXXX debt on a bank account that I actually had paid. So far no proof has been provided and am asking g for the CFPB to interview on behalf I help with validating this claim against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email from XXXX XXXX that there was a new hard inquiry on my credit report. The hard inquiry was on XX/XX/22 from a company named Elan Financi. I do not recognize and have not made any credit inquiries in almost a year. When I XXXX elan financi it does not come up with any website or number to call and receive support.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A