Date Received: 2022-03-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: my consumer rights were violated by Elan Financial services. I XXXX XXXX applied to enter into a consumer credit transaction with Elan financial services which was denied. as a result of this adverse action Elan financial services is in violation of 15 USC 1602p which defines the term unauthorized use as meaning the use of a credit card ( my ssn ) by a person ( your company ), other than the cardholder ( me ), who does not have actual, implied, or apparent authority for such use, and from which the cardholder ( me ) receives no benefit. And as a result of this adverse action this has negatively impaired my credit and gave me no benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: US bank completely messed up my disputes against a company that I use to print T-shirts that sent out damaged misprinted T-shirts to my customers and refused to refund me for their errors. Twice I filed the disputes and waited weeks for their investigations and they filed for the wrong reasons and denied my disputes and then said it had been too long since the transactions had happened. It was US banks fault because they took forever and sent me wrong forms. I even made an appointment to discuss this with the bank manager in XXXX XXXX, CA who just blew off the phone appointment and didn't bother to call. Here are the details I had planned to tell the bank manager had she called : I have a print to demand business on XXXX. I send my designs to a printer in XXXX who is XXXX XXXX XXXX. XXXX then in turn ships the t-shirt to my customer with my design on it. Over the XXXX period, they were flooded with orders and made a number of errors sending out the wrong designs to some of my buyers. I spent hours going back and forth with them over this in messages and I got nowhere. It was very frustrating and I ended up having to pay for the same item twice to resend the correct items to my customers. I lost my profit of course and I am paying for their mistakes. This printer in XXXX received my money to send an item I ordered to send out. They did not do this with these orders. This I have explained XXXX times to US Bank. In XX/XX/2022, I learn of the errors from the customers and after getting nowhere with XXXX XXXX XXXX, I tell this company I will be going through my bank if they will not help me correct their errors. I called US Bank to explain the situation and they send out forms from their DEBIT card department when it is supposed to be an ACH claim form as they went through XXXX to my checking account. There is no way for me to fill these forms out correctly and I don't know this when I do and then of course US Bank denies the claim because they sent me wrong forms out. I called back them again after the denial and after hours of being on the phone and transferred between departments literally XXXX times, somebody was able to figure out that I was supposed to have been sent out ACH forms. I filled them out after explaining to the banker what had happened who took notes to my account and said don't worry just fill them out under " originally authorized then later revoked ''. which was what happened as they were authorized and then revoked for being incorrect orders. Then again this was denied because US bank entered it in as being duplicate transactions with wrong dates and amounts. I don't even understand what they were talking about this time. It is now the middle of XXXX and despite explaining this situation until I am blue in the face nobody is able to help me to dispute these transactions correctly or wants to take the time to explain how to do them. I am constantly filling out their forms and faxing them over and wasting my time And they are again denied in the middle of XXXX because now they are saying it is a duplicate of a duplicate and now it is too late because XXXX months have passed and they can not reopen. I have been given absolutely terrible help with these claim forms, I have sat on hold for and spent hours being transferred between departments and I can't believe nobody can help me with something as simple as a dispute over the wrong items being sent. They told me to call a bank manager at a local branch which I did at XXXX XXXX, CA. She first canceled my appointment to meet with her in person and changed it to a phone appointment to which she blew off and didn't bother calling me. I am not getting anywhere with US Bank either helping me with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Unathorized " XXXX '' transactions were taken ( XX/XX/XXXX ) through a phishing scam ( {$1000.00}, {$1000.00}, {$1000.00}, and {$500.00} ). The bank was contacted no more than 10 minutes after transactions and a fraud claim was drafted. When viewing my account the payments were fully processed on XX/XX/XXXX. After waiting 11 business days, I contacted the bank when they notified me that their investigation denied my claim. ( XX/XX/XXXX ) I then refiled a claim with the bank and filed a case with my police department. The officer had a case number but needed an affidavit of fraud. After contacting the bank they claimed to be in the process of sending it to both my email and the officer after 24 hours I recontacted the bank when they said it might be a 24 to 48-hour hold while the claim was freshly opened ( XX/XX/XXXX ). Today on XX/XX/XXXX I still had not received the affidavit and contacted the fraud department again when they notified me that those are not drafted for my type of claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: U.S. Bank has failed to convert my trial modification into a permanent modification. U.S. Bank has failed to honor the modification agreement on my home loan. I have made all trial payments per the agreement. Turned in all documentation by the dates specified on documentation and followed through with all required obligations. U.S. Bank has required me to a to resubmit Information duplicate documentation on numerous occasion. Below is a brief over view to explain why I am filing this complaint with dates pertaining to incidents. My mother and I applied for loss mitigation on approximately XXXX XXXX. My mother and I were on a forbearance due to COVID-19 the forbearance was for 12 Payments. On XX/XX/XXXX US Bank sent a letter that the application for a assistance was facially complete. XX/XX/XXXX US Bank sends another letter determining that the application is completion date is XX/XX/XXXX although the letter from XX/XX/XXXX, says the application is facially complete. XX/XX/XXXX US Bank sends a letter that the application is determined facially complete. On XX/XX/XXXX US Bank sends a letter that loss mitigation application is determined that it is complete. On XX/XX/XXXX US Bank sends a letter offering a conditional trial period plan under the FHA Hamp Loan. The letter explains that the First trial period payment would be {$930.00} and be due by XXXX XXXX. Second trial period payment would be {$930.00} due by XXXX XXXX and third payment trial period would be due {$930.00} by XX/XX/XXXX. On XX/XX/XXXX U.S. Bank sends a letter explaining that we are able to apply for assistance on past due payments. All payments were made an complete per the agreement. On XXXX XXXX US bank sends a letter stating that there is additional information is required to complete Customer Assistance Review. HOA documentation was sent to US Bank per this request. XX/XX/XXXX US Bank sends a letter about options to apply for mortgage assistance. On XX/XX/XXXX US Bank sends another document requesting additional information " HOA Insurance Policy '' I complied with all request. On XX/XX/XXXX US Bank sends the final modification documents. Finalized documents were sent back to the bank XX/XX/XXXX, XXXX mothers signature was not on these documents as she passed on XX/XX/XXXX. Per US Banks directions in the modification documents " If any of the vested owners are deceased, we must have a copy of the death certificate, obituary or newspaper article reporting the death returned with the documents '' I did exactly what was asked and sent the documents. US Bank resent the documents on XX/XX/XXXX with my mothers name on the documents again. I asked why I was receiving again if I complied and was told not to sign the XX/XX/XXXX documents since they would be kicked out due to my mother not signing although the directions specified I send the death information which was in the directions to fufill the obligation. On Approximately XX/XX/XXXX. XX/XX/XXXX sends letter to notify me that they received the documentation that my mother passed all though it was sent weeks prior.A US Bank customer service rep states that I will be receiving new modification documents with only my name and that I would receive by the XX/XX/XXXX. On XX/XX/XXXX I did not receive modification documents instead I received a letter informing me that the assumption of mortgage had been complete and all records were updated to reflect that I am the morgagor of the record. XX/XX/XXXX I receive the final modification documents with only my name the document states that I have 14 calendar days from the date notated on the document to sign and send back. On XX/XX/XXXX US Bank sends me a letter stating the modification has been revoked due to not receiving the modification documents. On XX/XX/XXXX I contact US Bank and speak to a customer service rep in loss mitigation she states she sees the error when I explain that I have the documents in hand signed and am sending that same day. Her response is that she will escalate to the proper person to reopen the closed modification that was closed in error. Modification documents were mailed XX/XX/XXXX signed and notarized. On XX/XX/XXXX I receive a modification application from US Bank asking if i need assistance. On XX/XX/XXXX I receive a new set of modification and partial claim deficiency letter stating that there was a problem that a signature was missing that the partial claim received wasnt dated correctly and the document wasnt notarized which is not the case.. All documents were signed notarized and sent back. On XX/XX/XXXX I receive another Modification agreement with partial claim deficiency letter. requesting the same information I signed the documents on XX/XX/XXXX and mailed out on XX/XX/XXXX. US Bank received documents on XX/XX/XXXX. US bank will not accept payments on my mortgage due to the error of closing the modification without a valid reason. US Bank has continued to breach contract. They refuse to disclose details when asked to identify what is missing. The dates on the modifications for when the modification should start are outdated and dated for last year which if that was the case and had the documents been sent when they were supposed to to finalize the modification my mother would have still been alive to sign off. A hud counselor that I am working with listened and spoke with me regarding how US Bank is not in compliance is basically setting me up to cause my loan to go into foreclosure. I have every document that was sent to me I have correspondence that I have emailed and retained every copy of the modifications with the exception to the one that was sent in XXXX. If possible I would like to have an investigation open as I feel that processes and procedures are not being followed. US Bank had done this in XXXX and forced my mother and I to vacate our home I have documentation from that incident. It should have been a wrongful foreclosure case but at the time I did not know my legal rights. My home was damaged during that time because we were told to vacate that the home would be up for auction then later was contacted by US Bank to regain the home while they added on more fees and had to repair my damaged home on top of it all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: US Bank Stole {$6200.00} from my business account. On XX/XX/2022 US Bank deducted {$6200.00} from my business account without any prior notice by phone, email, or letter. I called US Bank customer service on XX/XX/2022 and was advised that the {$6200.00} was a reversal of a previous credit issued on my debit card. After several more phone calls I was advised to submit documentation regarding the claim filed which I did through the local branch on XX/XX/2022. On XX/XX/2022 I was advised by customer service representative XXXX that the case had been resolved and that the {$6200.00} would be back in my account within 24-48 hours. On XX/XX/XXXX, I called once again and was advised that the information I had been given by XXXX on XX/XX/2022 was not accurate and that my case had still not been looked at but it had been escalated to a supervisor named XXXX. I asked for XXXX information and phone number and was told that nobody has access to the dispute personnel not even branch managers and that I would be contacted within 24-48 hours if more information was neccessary. On XX/XX/2022 I received a phone call from dispute supervisor " XXXX ''. XXXX said because the documents were not sent in within US Bank guidelines the {$6200.00} would not be returned back into my account. I asked if the money was being returned to the merchant and XXXX advised that it was not and that US Bank would be keeping the money. XXXX was very beligerant and her attitude was very non-chalant. XXXX said there was nothing more she would do and if wasn't happy I should send a letter to XXXX XXXX the bank President in North Dakota. I asked XXXX to confirm the address that the document request was sent to and if the call was being recorded. She said in fact the call was being recorded and on the recorded line she read me back the address that DID NOT include my suite number which is why I never received the document request. I asked her also why it was ok for her to call me and tell me US Bank was keeping {$6200.00} but they could not give me a courtesy call to let me know that they needed additional documentation to support my case for {$6200.00}. In a very beligerant manner XXXX replied that supervisors never called out for information and it would be impossible to call given she had over 100 cases per day to look at. XXXX also went on to say that the document letters are auto-generated and the revocation is automatic if the deadline expires without receipt. This appears to be an effective strategy for US Bank to steal thousands of dollars from their account holders and a criminal investigation should be done by the FBI for wire fraud and bank fraud. I will be sending letters to the Attorney General in Arizona, North Dakota, and MN to advise them of my situation as well I will be copying my local Rep Congressman XXXX and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Hello. Around XXXX I was paid by XXXX by my employer and was at home and asleep in bed when that money from my job was loaded to my direct deposit card. As I awoken at XXXX. I turned to call my partner from my cell phone shortly after we hung up I went to check my phone around XXXX to discover at the same time my card was hacked around XXXX to about XXXX three illegal transactions were made one was for XXXX the next was for XXXX XXXX all from a XXXX in XXXX. Mind you I am about 10 to 12 miles from XXXX XXXX XXXX. And its would truly be impossible for me to be in two places.. my gf helped me look up the bank it happened at around XXXX she called in my behalf to see if she can possibly find out if the camera at the at it happened at caught the person but they refused to tell her anything if course. But at the same time at XXXX I went to my employer and had to pick up my proof of XXXX check stub to prove this account was my account that got hacked.. I was told they needed my pin but knew this happened to me before from a security guard company that also had eazy to hack pay roll cards cus I was hacked from an entirely different state 3 years back and the money was return months later. But in this issue it happened so fast I wasn't able to freeze it because it happened as I was looking to make an in home bill payment and didn't even process it because there was only XXXX left in my payroll card account. I called the US Bank focus card customer service hotline to start the dispute but they are lagging to send me any documents to prove this information as fact the are doing the investigation but how is it that me and my XXXX XXXX figure this out faster then my payroll card company I was XXXX. I gave no one my card info or my bank pin to use this so my only fear is that this person whom ever they maybe has been either using an old cell phone that was stolen month back which did have info but not my pin but how idk I am aborting this issue because my phone was stolen at a job site then I have a new phone and secure all info with protective codes. So for this hack to happen at an early morning time where I can prove I was home the whole time makes no sense by the end of the day I am left feeling robbed pushed aside and insulted over this action of fraud an false identity and illegal transaction of thift.. This happen at XXXX XXXX .early.friday morning XX/XX/2022. I was home. Please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hi, I had a credit card and car insurance from XXXX XXXX XXXX. I barely use the credit card. When I was due to pay my car insurance I sent the money to credit card by mistake. I ask my bank to get the money back, same time I had sent the same amount to insurance. My bank ( XXXX XXXX ) wrote back to me that ; need more information 's, which I don't have. This happened more than year ago. Since then I'm trying to get this money back. I talked to numerous people on the phone, I went to local XXXX XXXX office I haven't successful to get my money back. None of them locate my account. What I understand is that when this happening, US Bank took over the XXXX XXXX Credit card division. And neither company can find my account. All of the people I talked, tried to access the account with XXXX, Credit Card number, date of birth, nowhere to find the account. I would like you to help me. I attached the all the documents. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I hold mortgage with USBank for my home. I put down 25 % and my LTV is less than 70 %. Per USBank website https : //www.usbank.com/home-loans/mortgage/first-time-home-buyers/what-is-an-escrow-account.html I asked them to remove or waive my escrow account in writing on XX/XX/XXXX ( ish ) and I received a letter from USBank that my request for waiver is approved but I must pay 1200 in fee. Per their website and ltv rules I think it is illegal for USBank to demand a fee to cancel my escrow. when I have been never late for my payments. On top USBank is illegally asking for more cushion than required by federal rule. I tried to speak to USBank rep XXXX and was told that is the fee and its in my loan closing clause but there is no clause in the paperworks provided to me but even if there was I feel its illegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a US Bank XXXXXXXX XXXX card on XX/XX/2022. In less than a month US Bank closed my account without letting me know in advance or giving any explanation. I figured out the card is closed after multiple payments did not go through. I called US Bank customer service multiple times and one of the representatives finally told me that " I'm a risky customer '' and that's why they closed the account. I asked if they can reopen the account, representative said " in theory yes we can reopen the account, but are we going to reopen it? No, we will not! '' Note that, this closure has nothing to do with nonpayment as my first bill 's due date is at the beginning of XX/XX/2022. No other explanation is given. This is an extremely unprofessional way to conduct a business, an individual 's risk profile can not change in less than a month. I had no significant changes in my credit score etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/22 I received a call from my US Bank stating that there was a {$5.00} ( estimated ) charge on my debit card that had been flagged as fraudulent. This was caught by their fraud team and they were sending me a new card. I thanked them and went about my day. About 2 hours later I received a text message from a number claiming to be a US Bank Fraud Alert asking if I had authorized charges to my debit card ending in XXXX ( my actual card number from the previous fraudulent transaction ) in the amount of {$19.00} to XXXX and a pending charge of {$3500.00} dollars to XXXX. The text stated to reply YES or NO. I replied NO. I then got an automated reply that I would be receiving a call shortly. I received a call a few minutes later from XXXX ( which is the official US Bank customer service number on the back of my debit card ). The individual stated that he was a fraud department member and needed to help me with the fraud charges. Since I had already received the call earlier I did not question the validity of this claim right away. He proceeded to walk me through how to reverse the XXXX charge that was pending for {$3500.00}. He told me to send the money via XXXX in the US Bank app to XXXX XXXX which is my name and to the email address XXXX. He said that using my own name would ensure the money went back to my own account. I was not heightened to the verification questions since this email address contained US bank and the name was my own. Once I sent the money he told me a confirmation number and hung up the phone. I filed a fraud claim immediately with US Bank and am told that the funds will likely not be recovered because I have authorized the payment. However, I have also been told by US Bank that this is a frequent call they are receiving. I have asked why they have not sent a notice to their customers and was told that they have sent them via email. I then asked if they could confirm if I have been sent this email and they told me that I have NOT been sent this notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A