Date Received: 2022-05-23
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/2022 I transferred {$45000.00} from my account ending in XXXX to pay {$47000.00} down my XXXX balance. As of XX/XX/2022 that money has still not been credited to my account. It was an internal transfer, both accounts were at US Bank. It was from funds available. I no longer have access to the money, in either account, and it is causing me financial issues with other accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX my husband and I purchased an inventory new construction home from XXXX XXXX XXXX XXXX We received a letter in the mail from US Bank XX/XX/XXXX stating new mortgage terms although we never applied for a mortgage. They said they purchased the mortgage from a company called XXXX mortgage services but we never applied for a mortgage with XXXX either. As new first time homebuyers we were not aware that we were getting scammed. We have been paying US Bank $ XXXX from XXXX. Throughout this time we have been asking them how can we pull the escrow out of our home but they said we have to pay 80 % of the total cost first. When we called to ask for a verification of invoice and debt they refused to send anything and said that it will get reported to our credit if we do not pay. We also notice when we checked at the county record that our deed and title were submitted electronically to the county court office and that address that was linked to us did not even exist and they still insisted that we must pay them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Bought XXXX gift card from XXXX XXXX store on XX/XX/22. Tried to activate card and was told card was inactive even though I had the activation receipt from purchase. XXXX can not help with issue once purchase is made. I called the number on the back of the card and after waiting and being disconnected several times with a total of 7 hours of combined time on the phone, a representative told me the card I purchased was compromised prior to me buying it from the store. They said they would mail me a new card. The replacement card was never sent and I have attempted contact with visa several times with no success. Wait times are over 1 hour. I just want my money refunded to me.. Its been over 3 months they have held my money. This is borderline fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Coming out of our covid 19 forbearance we were looking for a long term option for paying back the 18 months of missed mortgage payments So we submitted a request for assistance at the end of XXXX XXXX What I thought would be around a 30 day process ended up dragging out over 4 and a 1/2 months just to be considered to have a complete application.. Initially our application was denied once in late XXXX based on a software issue with accepting one of the bank 's many requests for information... The processing system failed to submit it to underwriting and we had to call again to get it push through We submitted copy after copy and letter after letter And then finally in early XXXX We knew it was an underwriting and were expecting to be presented with a couple of options in the next 3 weeks due to unforeseen XXXX complications I ended up hospitalized For a few weeks and then delivered a premature baby. Obviously I was under medical care and staying with family so When I returned back home approximately 6 weeks later I was shocked to find a letter stating from early XXXX stating we had been approved for a XXXX modification pending proof of the awarded monthly XXXX benefits... Now granted this is 45 days later at this point Meaning we had already passed a 30 day mark XXXX mark and I'm scratching my head because I Knew that I initially submitted screenshots of my of my Minnesota state XXXXXXXX XXXX benefits in my original application back in XXXX bember and frankly never even knew what the federal additional XXXX funds were or when they were being added because it was part of the federal CARES act. No currently apparently I'm sitting with a letter of default andefault and after another 2 hour conversation on the phone with Lost medication I informed that our house is set for a sheriff 's sale on XX/XX/XXXX and the only way to to put a halt to it is to submit another another request for XXXX assistance and have a Complete application in with the company prior ire to 15 days before the date of sale meaning XX/XX/XXXX. it took me over 4 months to get the bank to consider our initial application complete how on XXXX would I be able to pull that off in less than 20 days!? Especially considering I had already submitted the requested document in my initial application but application! They make you jump through hoop after hoop As a means to make it almost impossible to satisfy their requests ... it's ridiculous! It's a complete case of the left side not talking to the right side and then telling me well there's nothing I can do about it Even though I had already submitted what they were asking for...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I MADE PAYMENT FOR {$1500.00} WHICH HAS BEEN VERIFIED BY XXXXXXXX XXXX XXXX REFERENCE # XXXX AS HAVING BEEN PROCESSED AS AN ELECTRONIC PAYMENT FROM MY XXXX XXXX BANK CHECKING ACCOUNT NUMBER ENDING IN XXXX. SOMEONE AT THE SAVINGS BANK SIDE OR AT THE XXXX CREDIT CARD SIDE OF XXXX XXXX DECIDED TO ALTER THE PROCESS OF PAYMENT TO MAKE IT APPEAR AS IF I MADE A BALANCE TRANSFER INSTEAD OF THE ELECTRONIC PAYMENT I MADE FROM MY CHECKING ACCOUNT SO THAT A BALANCE TRANSFER FEE COULD BE LEVIED ON MY XXXX CARD IN ORDER TO STEAL {$59.00} FROM ME. AND THE REASON THIS WAS DONE IS THIS : WHEN I APPLIED FOR THE XXXX XXXX XXXX CARD, IT CAME WITH AN INTRODUCTORY 0 % INTEREST RATE FOR PURCHASES MADE AND BALANCES CARRIED DURING THE PROMOTIONAL PERIOD, AND AS LONG AS ANY BALANCE ON THE CARD WAS PAID BEFORE THE EXPIRATION DATE FOR THE PROMOTIONAL PERIOD, THERE WOULD BE NO INTEREST OR FEES FOR THOSE PURCHASES. SO I SET OUT TO PURCHASE HIGH DOLLAR ITEMS KNOWING THAT I COULD AVERAGE OUT MY MONTHLY PAYMENTS TO REPAY THE BALANCE TO XXXX BY THE END OF THE PROMOTIONAL PERIOD. I HAVE ALREADY FIGURED WHAT I NEED TO PAY MONTHLY TO ATTAIN THE NEEDED XXXX BALANCE, AND SO WHEN SOMEONE AT XXXX XXXX TOOK NOTE OF THIS AND REALIZED THAT THERE WOULD BE NO MONEY GAINED BY XXXX XXXX FOR THIS PROMOTION, THE ( NOT SO ) BRIGHT IDEA OF HOW TO CURE THIS WOULD BE TO MAKE THE ELECTRONIC FUNDS PAYMENT FROM MY CHECKING ACCOUNT APPEAR AS A BALANCE TRANSFER TO MY XXXX XXXX XXXX CARD SO A TRANSFER FEE COULD BE LEVIED. THIS CONSTITUTES FRAUD AND XXXX XXXX NEEDS PROSECUTED FOR THIS INTENTIONAL FRAUD PERPETRATION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX and Acc # XXXX XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Last month XX/XX/2022 I was contacted by my mother who was on the phone, she mentioned that she was at US Bank, my mother purchased a car at the beginning of the year Im not entirely sure what this woman was doing but my mother has a history of financial abuse and my mother has also stole my identity and been abusing my Social Security number for far too long so Im kind of wondering how XXXX XXXXXXXX excuse my French but how XXXX XXXXXXXX this woman was able to get my credit loan eligibility ran without me present at branch And without any written consent or even a courtesy call by the XXXX bank teller to double check that my mother was not someone who has actively been trying to get a hold of my personal information and abusing my Social Security number for most of my life. Because those individuals at the banks even if they know my mom they dont know me and the situation because of this take a group do a lot of damage is giving civilians access to other civilians blood relative or not information this is really upsetting to me and I dont feel safe Id like to know that my bank is actually protecting me instead of exposing and exploiting me, Im XXXX XXXX XXXX very busy and I dont have the time to protect myself from my own mother but Id like to know that my bank would not allow my mother to gain any form of my information ever again without my permission written consent form or near proving that I am XXXX I am by showing my identification I doubt they even asked her for her Im appalled and really dont feel comfortable about the
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Usbank loan number is XXXX for XXXX and XXXX XXXX. We have tried to make payments with a usbank debit card which they will not accept thier on bank card we have made payments via branch night drop and we have made payments via online bill pay with guaranteed delivery dates. Each occurrence they hold or delay posting payments in order to charge late fees. The payment in XXXX posted on XX/XX/XXXX wich is prior to the XX/XX/XXXX late payment date and they still charged a late payment fee. They required that we disclose our race during the application process so they know that we are a minority family so they feel we won't complain when they collect fees unjustly. They are profiling us and this should be against the law
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a {$100.00} XXXX XXXX gift card on XX/XX/XXXX. I did not open it until XX/XX/XXXX, when I wanted to purchase an item at a store. It did not work and so I went to the XXXX website and found that the new unopened gift card that I have in my hands was registered to someone else and purchases were made and there was a {$5.00} balance left. I contacted customer service on XX/XX/XXXX and faxed over the required documents to report a stolen card, front and back of gift card, activation status receipt, and driver 's license. They said they couldn't read the drivers license so I faxed it again on XX/XX/XXXX and I also sent a hard copy in the mail. I followed up and they said that there was nothing they could do because the receipt did not have a time or date. It is from a XXXXXXXX XXXX store # XXXX, located in XXXX XXXX, CA. It was a gift from a co-worker and that was the only receipt given to me with the card. I also have screenshots from the website of who the card was registered to and what and where their purchases were made. Attached are all the files that I sent to prepaidgiftbalance.com customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: First it was my unemployment card that got hacked or whatever game someone was and still is playing I see,. At the begining of the year they hacked my unemployment card I called card services and told them what was my complaint which was identity theft and they took care of i..Now come to find out someone's gotten a hold of my child support card and activated it and took XXXX dollars off of it.. I normally don't get my child support until XXXX of every year but for some reason my XXXX from XXXX XXXX called and asked me about if I had received some money and I was totally confused but he was right I had money deposited on the XXXX of XXXX and i didn't realize what had happened until the end of the month around the XXXX of XXXX I feel so bad that whomever did this Im guessing got away because the bank found no error .. that really hurts to know my XXXX baby girl could've used her money I don't know what else to do but I'm very angry agitated and heartbroken
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A