Date Received: 2022-04-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/22 I deposited {$270.00} into an atm at a us bank location. My money was taken into the machine and I received an error on the screen and a receipt stating that my money was not deposited to my account. I have called multiple times to us bank and have been told many different outcomes and assured my money would be placed in my account. To this day it has not been and I feel like the bank is scamming me. I have a receipt to provide details from the atm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been a victim of identity theft, I currently have a fbi working with me. XXXX suspects opened and charged high amounts on a lot of credit cards. XXXX of those being XXXX accounts with elan financial services XXXX and XXXX. Please advise Elan to remove the charges and accounts from my reports please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The mortgage servicer US Bank Home Mortgage has failed to accept the complete submission and review for Mortgage Assistance to XXXX XXXX XXXX. XXXX XXXX XXXX application was deemed received as of XX/XX/XXXX, at which time additional documentation was requested by the due date of XX/XX/XXXX. ( See attached document from US Bank ). US Bank Home Mortgage did not allow XXXX XXXX XXXX the promised time to complete the application; instead, US Bank Home Mortgage entered a sale date of XX/XX/XXXX 30 days from the date of the mailed letter. 2 ) XXXX XXXX XXXX honored the request and provided the requested documents by XXXX. 3 ) US Bank stated the application would be accepted on XX/XX/XXXX and on XX/XX/XXXX stated that the sale date of XX/XX/XXXX had been placed on hold and the application was being reviewed for modification. Later in the day on XX/XX/XXXX, it was then stated that the sale date was not canceled, and the file was denied. 4 ) US Bank Home Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 4 ) In addition, this constitutes dual tracking, based on US Bank Home Mortgage providing correspondence that stated that file would be reviewed for mortgage assistance programs ; however instead of being reviewed, sale date was entered for XX/XX/XXXX and file was denied and US Bank is attempting to force illegally force a foreclosure sale date to press sale date of XX/XX/XXXX.
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: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This Company closed my Personal and business bank account I have no idea why and its affecting me from getting new Bank account with any other banks and I would like to resolve this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I paid ( via Banks Bill Pay ) {$150.00} from my Opus Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by Opus Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called Opus Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I RECENTLY KNOTICED A MEDICAL COLLECTION ON MY CREDIT REPORT. MERCHANT CREDIT GUIDE, I HAVE REACHED OUT TO THE CREDIT REPORTING AGENCY DUE TO VIOLATION OF LAW. ON XX/XX/XXXX, I CERTIFIED BOTH COMPANYS REGARDING THE MEDICAL COLLECTION OF {$1000.00}, THAT HAS NOW A DUPLACATE REPORTING. MY RESPONSE WAS THE FINDINGS IS ACCURATE FROM THE CREDIT REPORTING AGENCY. . I do not recall giving permission to for any facility to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is two-fold and as follows : I ALSO REQUESTED THEM TO provide a copy of my signature with the provider of service to release my medical information to THEM. TIME HAS PASS AND NOTHING STILL THIS ACCOUNT NEEDS TO BE REMOVED ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My checking account was hacked while I was at work I received an email about the incident and immediately called in to dispute the transaction. I was told they would investigate the incident, no investigation was conducted they immediately denied my claim and said it was no error, I called to speak with a supervisor by the name of XXXX and she instructed me to send in a timecard and my funds should be released back to me, I did send in that timecard which shows my hours of work and still my claim was denied. All I need is a proper investigation to be done so I can receive my funds back to me which I have worked hard for. I also had my card in my possession at the time of the incident, and the representative said she never heard of something happening like this before so their minds was already made up that I did this to myself so they wouldn't have to return my funds to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, I am writing to formally request a complaint against US Bank and their FHA-loan modification practices. I have been trying to submit a FHA-loan modification to prevent foreclosure of my home since approximately XXXX of XXXX as my financial hardship has been resolved from my divorce. It is 6 months later and I am still trying to get the loan modification. I constantly have been paying on the mortgage and they only apply it to a suspense account and not the mortgage. I have constantly been making payments. My ex-husband and I are on the original loan documents for the house we purchased when we married. In XXXX he attempted to murder me and is currently an imprisoner for it sentenced to 30 years to life. This is all online is you search my name. I have a divorce decree awarding me the sole ownership of the house. My ex-husband also signed a recorded quit-claim deed however US BANK keeps insisting that i can not do the loan modification by myself although it states if I have these documents listed above I can do so and not need his signature to proceed with the loan modification although he will still be held liable. It states on pages 4 of 9 on the loan modification documents that the modification can be completed without him signing as long as I have the supporting documentation in which I have : a recorded quit claim deed and a divorce decree evidencing my ownership of the house. I have sent US BANK all the required documentation and payments necessary to start the loan modification process several times however the loss mitigation department refuses to send the documentation without his name listed and without requiring him to sign. I am in the process of procuring a lawsuit to have this matter resolved and will be asking for damages not only financially but emotionally as I am not supposed to have contact with my ex-husband or any dealings pertaining to him due to a court order which I also explained to the representatives at US BANK, due to the circumstances of the court. I am requesting to do the loan modification in my name solely as I am the sole legal owner of the house, I am able to afford the payments and I have all the required legal documentation to move forward in doing such. I have called several times and received misinformation and false hope repeatedly. All calls are recorded and I have several loss mitigation representatives names documented, XXXX, XXXX, XXXX, XXXX, XXXX ' and the list goes on. I need assistance in handling this matter as I am trying to reside in my primary residence and have no intention on losing or selling the home that myself and my children reside in. I have already contacted a law firm to handle this matter if a resolution can not be met and they are already authorized as a third party on my account as proof that I am in the process of litigation. I ask that this matter be escalated to the correct department. I would like for the loan modification documents to be processed without requiring my ex-husbands signature but processed with just my physical wet signature. I am requesting to retain my home and for US BANK to allow me to assume the mortgage after successful payments have been made to formally remove his name from the mortgage as he is already relinquished his rights to any ownership of the house. I have phone records, documented names and times as well as documentation US BANK has sent saying they made errors in my paperwork and asking me to resend documentation. They offered me different programs to include the HAMP-FHA modification that stated I only needed to make a payment to accept the terms and signatures weren't required. I did that as well sending two payments in the month of XX/XX/XXXX because I was offered two different loan programs and told to make a payment for each. My ex husband once agreed to the loan modification and signed the documents. I submitted the paperwork to US BANK however they rejected it on error, the documents went stale after 90 days and now he no longer wants to cooperate in the loan modification process due to it. I was told underwriting would process the documents without his name due to me having the required documentation for the task to be completed however they keep sending the documents in both our names requiring both signatures and telling me they can not process the documentation without him.
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: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: US Bank canceled my loan with them without my notice. I want US Bank to reinstate my loan with them. US Bank breached my car loan with them causing me to possibly having my car repossessed. Once agin, I would like US Bank to reinstate my loan with them. There was no reason for them to cancel my loan with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A