Date Received: 2022-04-21
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: In XXXX, I used Fidelity Rewards XXXX XXXX Check with 0 % APR on 4 occasions. {$5000.00} Expires XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX I used the card for other purchases over the past few months. Undoubtedly, when a card holder pays the 3.99 % or 4.99 % for the cash advance up-front, the loan period should be established to be set in stone. For example, if I pay the balance due on the charges, and I keep a balance of {$5000.00} on the account until XX/XX/XXXX, there should be no interest being charged. However, this Fidelity Rewards card has booked my payments to the outstanding loan balances! Now, they are saying that of the {$11000.00} I still owe ( note that XXXX + {$2100.00} + XXXX is XXXX - and no balance should have an interest charge until at-least XX/XX/XXXX ) {$7600.00} is " purchases '' and can have an over 14 % interest rate applied. Please investigate this practice. It is what I consider unscrupulous and should be illegal under consumer protections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
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: Billing Errors Pursuant to XXXX 15 USC 1666 ( b ) Please see attached documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To whom it may concern My Name is XXXX XXXX XXXX XXXX XXXX, my wife and I have been a customer of US Bank for approx. 42 years. In XX/XX/2021. I had applied for a car loan at my local US Bank on XXXX XXXX. When I went in to sign the documents for the loan I was made aware of two facts that concerned me : 1. XXXX XXXX XXXX XXXXXXXX XXXX had taken it upon herself to use my application information to log into my XXXX XXXX account where I had my new car loan to review my personal/Bank information. Her actions violate the Fair Credit Act since she previously ran my credit and now was also using this tactic to research my personal information with XXXX XXXX for approval of this loan. 2. In addition to this XXXX XXXX demanded that I allow the loan to be paid monthly via direct deposit. I had a problem with this as well since my wife and I were customers of US Bank for approx 42 years and NEVER paid a loan late. When I explained this to her she informed me that my previous loan history with US Bank " didn't matter '' and that this was the only option I had. I told her that I was going to cancel this loan and leave. I asked her to destroy all the paperwork so I can leave. She refused and I left without taking the check. I didn't think much of this until I recently received 3 notices 1. dated XXXX -- - 2. dated XXXX both stating that if I didn't send them the Title to my vehicle I would be in default and that they will be forced to put a lien on me. 3 Notice dated XXXX Closing all my accounts I called the Branch Manager with this concerns, but all she ( XXXX XXXX - XXXX ) wanted to do was discuss the fact that occurred back in XX/XX/2021 with my loan. She refused to address my concerns with my notices. I called the US Bank XXXX number and spoke to XXXX but she refused to give me any written information that would assure me that it was taken care of. Today, I received a Certified letter from XXXX XXXX at the XXXX XXXX telling me that she had closed all my accounts including the checking account that we have had for over 40 years Account # XXXX. I believe that the methods used by US Bank not only are illegal and unethical but violate the fair credit acts and are discriminative Title VII. I need your help in resolving all this issues. For this reason I authorize you to speak to anyone at US Bank on my behalf. If you need copies of all the information that I have from US Bank let me know. Vehicle Account # XXXX VIN XXXX Checking Account # XXXX Title Service Department US Bank XXXX XXXX XXXX XXXX email XXXX Thank you in advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been affected by Covid Hardship, I have been trying to apply and submit Mortgage Assistance pack forms for many months and have been given a run around, I have been told to send and resend the Mortgage Assistance forms in many different times. I have been asked to withdraw the Application, so they can look at Covid options ( that they can't look at it I have a Application being reviewd ), then they say their are no option available, and I should resend in a new Morgage Assistance pack. I have been told that, I was told that would not be sent to Foreclosure because they are and while they are reviewing my Application. I was sent to Foreclosure, they lied to me. Every time I call they tell me they need different information, I have called two different representative 's 5 min apart and they tell me total different things about my account. I have been lied to and miss directicted many times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/22 I purchased two {$100.00} XXXX gift cards from XXXX XXXX XXXX store on the corner of XXXX and XXXX in XXXX XXXX, XXXX When I got home I went on the website to activate them but when I did it said that the number was not good so I tried the second one and it said the same. So I called the XXXX number on the card but they told me they could not help me because you can only activate it on the website. So I took the cards back to the store and told them what happened and they checked to make sure that the money had been put on the card and it had. So they gave me a reference number and told me to call the XXXX number again and give them the number. So I did and they said reference number they still could not help me so I asked to speak to a supervisor and was told that a supervisor couldn't help me either but I again asked to still speak to one and they refused. So I called the phone number on my receipt and explained my situation and they said that there was nothing that they could do only XXXX can fi the problem. So I went on line and and found XXXX gift cards and found a phone number. So I explained my problem and they said they were sorry but all they did was transfer to other people until they transferred me to the original people who wouldn't help me in the first place so now I'm out {$200.00} dollars. I hope that you can help me. I am very frustrated. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my personal banking account debit card info was hacked and stolen, our main account was cleaned out of funds and the bank finally stopped authorizing additional purchases due to fraudulent activity it determined. I was never noticed and I have alerts on everything on all of our accounts for just this sort of problem. A fraud claim was filed with US Bank ; claim number # XXXX immediately upon us discovering our account had been compromised. It was a nightmare and a lot of leg work on my part to fix this. Im already a victim of identity theft and have been protected ( allegedly ) by XXXX XXXX XXXXXXXX for many years and still have had problems with exposure of my personal records. I contacted XXXX concerning why I wasnt notified of another breach and they told me that the bank ( US Bank ) never reported it to them. A representative of US Bank informed me they only report fraud on their bank issued credit cards and dont always report theft or fraud on personal accounts. OMG, what good is XXXX or any other Identity Theft and Credit monitoring service if the banks dont report all fraudulent activity. Sounds like a upcoming lawsuit to us. Please help, my identity was first stolen in XXXX and several more times since including the XXXX XXXX breach that exposed ALL of my personal information. I would like investigations into US Bank and XXXX and the other two Credit agencies. No one is really protected!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX I went into the XXXX XXXX branch of US Bank on XXXX XXXX to have a name change form notarized. I have had a checking account with them since XXXX. After the banker notarized my petition and while I was getting ready to leave, she said she put in for the US Bank credit card and that it would be showing up in a few weeks. I was never asked if I wanted this card. Further, it is deeply upsetting to tell someone I am changing my name and they are then immediately forcing me to have something new with my XXXX name on it. I had to call new account member services and take time out of my day so they could shut it down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Got a voicemail yesterday and my parents were called today " about a complaint ''. Call came from XXXX. Was told to call back XXXX. XXXX XXXX XXXX. Claims i have an overdrawn checking account with US bank. I have never had an account with US Bank. They have the last 4 of my social security number and my cell phone and my parents home phone number. He threatened me telling me they are taking me to court and I will have to pay it, if I don't agree to settle outside of court. Said his name was XXXX XXXX. This is shortly after I received a notification from experian about my social security number being found on the dark web.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX I went on a forbearance program offered by the current bank US Bank in Texas. In XXXX, I was ready to come off forbearance unto a COVID-19 Veterans Assistance Partial Claim program they offered. I was approved and was to send the signed paperwork back but there was trouble getting the documents back, So i had requested another packet. Because the packet was late, the claim went stale and they won't approve me for the plan they promised over simple paperwork. I am in Florida and they are in Texas and not communicting with me. I am a XXXX veteran and a resident of this home for 8 years. I have a family and creatures and ready to make payments on the plan they offered. I have complied with all request they have sent me in the mail requesting documents, but i can not get ahold of anyone who has any idea whats going on. Please help me. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX of XXXX I were XXXX and missed work and later upon returning I lost my employment, I communicated to mortgage lender USBank and were greeted with forbearance program. In speaking with them i shared i am responsible for insurance and taxes. USBank representative stated they will take care of taxes to protect their own investment and shared i will need to keep insurance. Time continued and I had job challenges and continued with hardship with myself or XXXX of my XXXX children and XXXX difficulties but with blessing of forbearance I were able to keep bills caught up besides mortgage and property taxes. I became gainfully employed at a much better job in XX/XX/XXXX and in XXXX of XXXX I called USBank to reestablish mortgage payment and were given three options. # 1 pay full amount of monies owed during forbearance. # 2 pay half of monies owed and agree payment of remaining attached to mortgage payments. # 3 wait till XXXX for forbearance to end and file XXXX to request putting monies be added to end of mortgage. XXXX I sent XXXX and it were denied due to incomplete. I called and gained information needed to complete XXXX. Now we are at the end of XX/XX/XXXX and I Re-Submit XXXX and mailed Certified mail. I received notification of denied due to no records of it being sent. I then Call and am told XXXX XXXX to them, XX/XX/XXXX I did so and USBank stated not received. I XXXX XXXX to XXXX Indiana to USBank facility and loan officer emails XXXX. This were denied due to bank statements too old. I drive back to XXXX and XXXX XXXX with updated bank statements and this were accepted XX/XX/XXXX. I call numerous times and speak asking info and typically transferred or drop call and continue to follow up on XXXX. I get a call from USBank on XXXX XXXX telling me I have two choices # XXXX pay XXXX in full by XX/XX/XXXX # XXXX short sell. I am baffled. I have had hardship after hardship and kept in communication with USBank. I am a single father of twins in school and have become injured at work and needed two XXXX with one being rather XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know the monies are my responsibility but if put at end of mortgage I would have no issues. I am told credit report isnt good and USBank can not assist. My credit has a payed off issue from USBank credit card that is not being removed. I do have income that can meet my financial responsibilities yet USBank will not speak to me of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47304
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A