Date Received: 2022-04-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is fraudulent inquiry from Elan Financial for a business car.d I dont recognize I am requesting the inquiry be removed asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90222
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: 2022-04-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got a hit notification from credit wise that there was a change to my credit report and an XXXX XXXXXXXX had a report on my credit and I have never applied with anything for them their website is sketchy I go to Weathers no contact us or anyway to discredit this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56201
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX, US Bank Home Mortgage agreed to modify my mortgage related to the XXXX act. They agreed to a new loan term, interest rate and " forgiveness '' of the interest charges during the COVID forbearance period. They sent a legal loan modification agreement by mail. I received this document on XX/XX/2022. Per the instructions, I took the document to my bank and they notarized my signatures. I sent the document along with the required payment ( due on XX/XX/XXXX ) next day air on the morning of XX/XX/XXXX. I called US Bank to let them know the document is in transit. After many representatives and 2 hours on the phone, I am being told that they will reject the agreement due to the document not being received by XX/XX/XXXX. They then tried to get me to agree to a different loan modification agreement that adds {$10000.00} and a 1.25 % higher interest rate to the loan modification, which is more than my current rate. I was obviously very upset after this interaction. Fortunately I had made a copy of the packet. I re-read the cover letter of the contract which includes the term, rate, and payment due and it clearly states I have 30 days from receipt to return the loan modification agreement, which is dated for XX/XX/XXXX. Even using the date of the letter and ignoring the actual date of receipt, I am clearly within this 30 day window. The current world situation is stressful enough without being scammed by your mortgage lender. The last terse conversation I had with US bank, I was told categorically by a supervisor that " NO ONE in the entire company '' of US Bank will be able to honor the original agreement. I would also like to point out that this is a Government backed FHA loan, this is my primary residence and I have been in the home for 12 years. I have uploaded the cover page of the document showing the date of the letter ( XX/XX/XXXX ) and the XXXX " calendar day '' window to complete the paperwork which would be XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Im reaching out for some guidance and assistance with my modification. I live in XXXX Arizona, In the beginning of the Pandemic, I medical condition, I had to have XXXX and I had missed out on work. I had No incoming in! At the very start of the pandemic I was 3 months behind in my mortgage and us bank who my mortgage is through, helped with getting my mortgage Deferred. My deferment ended in XXXX, since then I been sending in modification packets, Im on my third packet. It one thing after another, I been told my packet was incomplete, because I sent in one profit and loss sheet, it should have been 3 separate profit and loss sheet for each month. then because my hardship letter didnt state when my hardship ended, but I did show my paystubs from working two jobs. They asked if I owned the business or self employed, because one company I work for dont take out Texas . I had to explain that and get a letter from the company explaining why! The company explained Im hired as a independent XXXX and its my responsibility to pay my Texas quarterly or yearly, the company dont take out it out. Now as of Friday I received an email stating that I didnt sign and date my profit and loss sheet. In the same email, it stated I needed the current loss and profit sheet. Ive created new profit and loss sheets from XXXX to XXXX and I also sent the old profit and loss sheets from XXXX to XXXX, I signed and dates them all to be safe. I called customer service to ensure thats all was needed and they Assured me that that was all needed. I call Us bank a couple times a week just make sure Im doing my part. I feel like every time I speak to a customer service rep, Im told slightly different information. I also received a letter from the Foreclosure attorney, stating I need to pay the total amount owed by XXXX XXXX With a cashiers check, if I cant do that, they Will proceed with the foreclosure. I contact the foreclosure attorney and they stated to me verbally that because US Bank is still reviewing my packet that the foreclosure is on hold until US Bank make a decision. I live in my home and I would like to keep my home! The banker thats assigned to me, I have never spoken to them, and assigned to someone new and havent had the opportunity to speak to him as well. Im not sure if Im Comprehending properly or theyre not explaining to me clearly. I understand the modification may reduce my mortgage paymentI need some help and Im in desperate need of assistance, please please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My bank account was hacked and when I contacted U.S Bank about it they claim that no error has occurred, which is incorrect. Whomever hacked my account put their phone number on my profile so I was not notified of the transactions happening. The phone number put on my account is XXXX. I have also filed a police report on XX/XX/2022. These are the transactions I am disputing. XX/XX/2022 {$1900.00} Account number XXXX XX/XX/2022 - {$2000.00} Account number XXXX XX/XX/2022 - XXXX Account number XXXX XX/XX/2022 - XXXX Account number XXXX XX/XX/2022 - XXXX Account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My homeowners insurance got canceled when they had received notice that they needed to pay more. They paid the year before amount a d still owed XXXX they failed to pay it I have the notices copies with me. So they canceled my insurance I was never called or notified until a later date. Well now 2 months later they finally got the same policy rewritten but now it is XXXX more than it would of been if they would of paid it in the first place. According to laws they have to pay that difference themselves due to thier mistake. If this doesn't solve anything I will take the next step of a lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: For the last ten years I have been trying to get US Bank to approve a loan modification for me to sell my house in a short sale. I have had an offer on the home and they have made this the most difficult process/time of my life. I got a divorce in 2011 and my ex husband was difficult and did not want to sign the documentation needed for me to do so. I was told by mu realtor to have him sign a quit claim deed which he did so that I can go forward with the shortsale process. I have applied multiple times and every time my realtor sends over everything so we can close this and finalize the short sale they say they are missing something or they didnt receive everything and they close it. I have done this countless times. I need to get this taken care of as it has caused a major rift in my life and I am just trying to get the short sale done so I can go about my life. I was in a difficult time in my life and feel behind therefore leading me to become delinquent. I was told by my realtor to file a formal complaint against US Bank. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87107
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX and Again on XX/XX/XXXX I attempted to activate a gift card that was presented to me at my XXXX function in XXXX of XXXX. The Card package clearly stated that the funds last forever. Sadly, that appears to be a scam. At the time I received the card I did not receive the gift receipt. The card may have been registered to the giver in error, though I question that as I was asked for info that was inside the sealed package at the time of my registration attempt. On XX/XX/XXXX, it took six requests to speak to a supervisor who asserted that he could do nothing. I was requested to fax information which included my Drivers license and the back of the Gift Card. I was told by XXXX that I would hear back in 3 business days. That did not happen. I followed up today and was told that I needed the original receipt and again I explained that the receipt may not be in existence after 3 years and after another 5 requests to speak to someone who could resolve the issue, I was transferred to XXXX who again asserted that I needed the original receipt from 3 years ago. Again, I explained that it was a gift and I have no recollection of getting it at the time. When I questioned XXXX as to whether US Bank had reached out to the person that is allegedly registered as the owner. The response was No and nor would they. It was added that they assert that perhaps I had stolen the card. I advised them to go ahead and call the XXXX XXXX XXXX XXXX. They declined then shifted to lost as the problem. Again I was told that there is no person or process that would allow for this {$100.00} gift card to be used without producing a 3 year old receipt which likely no longer exists. I would gladly reach out to potential givers, however I was told that the original receipt would be required, no exceptions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022, I paid {$1200.00} for some yard cleanup service with my Fidelity rewards Visa Signature credit card via XXXX XXXX, as the lawn service provider only accepted XXXX XXXX payments. XXXX XXXX charged me an extra fee of {$36.00} ( $ XXXX {$1200.00} ) for using credit card. I was okay with that fee and went ahead with the payment. I was unaware that this is treated by Fidelity as a XXXX XXXX, for which I was charged a substantial fee of {$61.00}. I was already charged an initial fee of {$36.00} by XXXX XXXX for using the Credit Card and I did not expect for these additional fees to be charged to my account. I have always paid my bills on time and avoid paying interest and fees as a general rule. I would have used another method of payment if I was aware that these charges would be imposed. Furthermore, in addition to the XXXX XXXX fees, I am also getting charged interest because of the XXXX XXXX. The interest rate for XXXX XXXX is 24.24 %, while I have pretty much always avoided interest by paying my previous statement balance in full every month. I did not receive any type of notice before proceeding with my transaction that Fidelity would process this as a XXXX XXXX. I DID NOT go to an ATM and use my credit card to withdraw cash. I have already spoken with Fidelity and they claimed they could do nothing for me. I asked them if they could disable cash advances on my credit card, so that this doesn't happen again in future. But they told me that it is not possible for them to do that. I feel that this is a XXXX violation as a Deceptive practice, as well as XXXX. I was told that I will get pummeled with a huge interest rate until I pay my card completely down to {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have been fighting reliacard now for 2 years to get my funds that were sent to me from child support. I have contacted the state and my worker who has sent the requested info for the deposit made to the reliacard company but we're never credited to my card.. 8 transactions in XXXX and XXXX totaling {$1200.00} The child support agency has sent the 8 payments I have been XXXX since XXXX and this should have helped prevent that. I will be getting a lawyer after this and sue for damages and hardships if tho is not resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A