Date Received: 2022-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I hear about scammers draining accounts of innocent people, and to increase my security I went to XXXX website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at XXXX website ) that I have an account XXXX with them. They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! I never had this account, and I never paid any money to them. I am not sure why they would create this FAKE account? If I had not logged into XXXX, and I wouldn't even know of this SCAM!! Please investigate this case, and let me know the results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: U S back claims processor " XXXX " XXXX needs to be fired!!! XXXXXXXX XXXX customer service I've ever had in my life!!! Did not resolve any issue I had going for me and my legitimate claim ... Made everything difficult, not resolving any issue at all spitefully denying my legitimate claim...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: US Bank as of XX/XX/2021 via their own document has NOT correctly accounted Principal Only payments to my loan. In addition when I was attempting to Retitle and Register the vehicle in the State of Florida they refused until at their direction redact my correct address for a Florida address. The staff at CFPB did not read my original complaint and the reply from US Bank because the reply was about something totally different and did NOT address my complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 6,0000 USD utilizing U.S. Bancorp services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 914XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To Whom It May Concern : Elan Financial Services closed my XXXX XXXX XXXX card after receiving fraudulent information from a third party, without contacting me to confirm any of the provided information. I am in receipt of your correspondence dated XX/XX/2022, ref # XXXX. This correspondence is in response to my document dated XX/XX/2022, in regard to the closure of my XXXX XXXX XXXX XXXX XXXX Card account, ending in XXXX. I am hereby informing you that you have violated my consumer rights and under 15 US Code 1691E you are civilly liable. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Elan Financial Services/ Cardmember Services has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1681M ( b ) ( 1 ) 5. 15 U.S Code 1637 Enclosed you will find an invoice for the abovementioned violations, with instructions where to send payment. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: USBank Home Mortgage is about to steal my home through Fraudulent Foreclosure. Before I found out about their fraudulent activities I fell behind on my payments due to loss of my job. I contacted XXXX XXXX and he failed to show up in court so the mortgage company got a judgment in default. I tried repeatedly to obtain a Loan Modification after my finances were back on track. They denied me multiple times. I gave permission to a friend of mine to make a Loan Mod request on my behalf and again USBank denied it. I hired XXXX XXXX ( a Loan Modification firm ), and again USBank refused to grant the request. I used a non-profit company called XXXX to request a Loan Modification on my behalf and they too were unable to get any cooperation from USBank Home Mortgage. This is a desperate plea for help because I can not afford to lose my home and end up on the streets at XXXX XXXX XXXX. I need your intervention. I can prove the fraudulent acts by USBank Home Mortgage and its Officers. Please help escape a Fraudulent Foreclosure. I can not sleep at nights, I can not breathe sometimes, I can not eat or think straight sometimes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: i Had Credit freeze on my reports. Violation of a credit freeze by transunion. illegally changing of date from on time to XXXX and XXXX late late on my XXXX XXXXXXXX account XX/XX/XXXX thru XX/XX/XXXX XXXX Months And also Us Bank theres XXXX months in XXXX all 90 days late are incorrect too. these accounts are not open. i had just received my reports today XX/XX/XXXX.
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: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: On XX/XX/XXXX my lease was totaled. I contacted USBank and requested a buyout amount on XX/XX/XXXX. I wanted to exercise my buyout option. The bank provided me with a buyout of {$35000.00}. I was contacted by my insurance company who determined value they were paying off was {$47000.00}. I then received a letter from USBank on XX/XX/XXXX that they were keeping the surplus amount and that a buyout option is not available to me. I spoke with a supervisor today who stated that on XX/XX/XXXX USBank changed their policy and will no longer return surplus amounts. I have a sibling who signed the same contract I signed for a different lease with USBank in XXXX of XXXX and he was refunded the surplus insurance payoff. How can USBank not allow me to exercise my buyout option when I initiated it prior to the vehicle being totaled? How can they keep a surplus of approximately {$12000.00} and profit from the insurance I am obligated to have?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03053
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have attempted to work with US Bank Home Mortgage since XX/XX/XXXX. My son has a mortgage through US Bank. My son has entered a treatment program after suffering from XXXX over the death of his older son. I have Power of Attorney in order to get his affairs in order while he is in treatment. My first contact was around XX/XX/XXXX. I explained the situation to the technician and she stated she could not provide any information until the POA is received. The POA was uploaded into their system XX/XX/XXXX. Afterwards, I made many phone calls and spent hours on the phone because the POA was not getting " approved '' in the US Bank system and no one could provide me information until they could " view '' the POA. Eventually, after weeks of trying, a sympathetic technician escalated the POA to get posted/reviewed/approved. I was then instructed to fill out the application. I requested it be mailed to me, twice, and finally ended up downloading it offline due to never receiving it. Eventually, the POA made it through the system. I changed email contact, phone number, and mailing address. This also took several attempts to complete. To this day, I still do not receive the mail at requested address. In addition to that, it took 6 separate attempts and many hours on the phone to get the verification phone number changed so I could access the online portal. Every process has required my ability to get a sympathetic technician on the phone who would escalate the request. Starting in XX/XX/XXXX, the process became even more frustrating. A letter was received ( not at requested mailing address ) XX/XX/XXXX listing XXXX XXXX as the assigned relationship manager. The letter provided her contact phone # and extension. To this day, I have made at least 40 attempts to contact that number and the system states the party is unavailable and no option to leave voicemail. I have called back and would always get another technician who would try to assist. XX/XX/XXXX letter from US Bank stating the application was received and determined incomplete. The letter was requesting information. I submitted a letter " Explanation of facts in response to US Bank letter XX/XX/XXXX '' as well as requested forms and documents : bank statements, paychecks, and completed forms, through email to XXXX. I received automated confirmation email that the items were received. Then I heard nothing. I called and spoke to a technician days later to get a status update. Again, after spending XXXX hours on the phone, being transferred several times, I luckily found another sympathetic technician who was able to help me get online to access correspondence the bank was sending. The letter dated XX/XX/XXXX stated the " US Bank has received you loss mitigation application. We have determined your application is facially complete** We received the complete application XX/XX/XXXX. We determined additional documentation is needed to complete our review because previous documentation received may have been incomplete or insufficient ''. I promptly responded and uploaded a document and explanation for " Non-burrower income option 2 '' on XX/XX/XXXX titled " Response to US Bank Letter XX/XX/XXXX ''. I also had to compose and submit a separate response to provide explanation for " Contributor and Occupancy '' information. I then waited. I heard nothing. Received no mail or any documents in the portal. In this time I spent a lot of time trying to get IT department to reset the verification phone number so I could use the app. I can tell you this was several attempts and finally an escalation to get it done. After hearing nothing since XX/XX/XXXX response, I phoned again. Spent another XXXX hours on the phone XX/XX/XXXX with XXXX then transferred to XXXX. I explained for the hundredth time the situation and circumstances. They made notes and said they could see it was under review. I phoned again XX/XX/XXXX and spoke with XXXX and she was the one who escalated the XXXX request to get verification phone completed. She then transferred me to mortgage so I could get update on status. I was transferred 4 different times. I finally got a technician who stated he could see they were requesting XXXX more item of explanation. Mind you, I received no written request or email for this request. He stayed on the phone with me and dictated what they were asking for as I typed it. I uploaded the letter of explanation XX/XX/XXXX. Then I waited. I received nothing : no letters, no request, no phone calls. On a side note, I now get spam calls from the US Bank phone number I have saved in my phone as US Bank Mortgage. They ask for a shortened version of my sons name and when I ask for verification they hang up on me. This is also frustrating. On XX/XX/XXXX, I phoned again to get update and spoke with XXXX in loss mitigation. She was confused as to why the application was still asking for things ( unbeknownst to me ) as she could see I had everything in the system. She said they are asking for explanation on occupancy. I informed her I uploaded that weeks ago. She confirmed she could see the documents I uploaded and that they were very detailed in explanation. She said she would ask me a couple questions and would type in my responses then escalate seeing as the application is complete. I heard nothing for weeks again. I called yesterday, XX/XX/XXXX, and got XXXX. Explained my situation, asked to speak with a supervisor, and was transferred to XXXX in counseling. (? ) XXXX then transferred me to someone I couldn't hear her name because her speaker and/or the room she was in, had very bad acoustics. Very muffled but was on the phone long enough to understand her say the case was closed due to application being incomplete. She said a letter was sent out XX/XX/XXXX I had yet to receive. To say I was frustrated is an understatement. I could not believe how from XX/XX/XXXX and the technician taking my answers, imputing them into the system, and escalating the application she saw as complete, to being told the application was deemed incomplete and closed XXXX XXXX. I am devastated. I am not exaggerating when I say I have an excess of 50 hours of phone time with US Bank. I have spoke to XXXX in XXXX, XXXX in Kentucky, XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many others since XX/XX/XXXX. I have had so many that listened and tried to do what they could to help escalate and find resolve for the situation. Along the way, I have attempted on every phone call to make a payment in order to show good faith until a repayment plan could be made. Not one person would/could take a payment. Regular customer service said default had to do it and no one in default would take one either. During all this, the mortgage has gone further in arrears by {$6000.00} plus. US Bank will not allow a person to work with anyone in a local branch. Their system is very flawed : information does not flow across the various departments therefore you are always explaining the situation over and over and going through verification, you will never get the department you are trying to reach no matter what number you call, they do not update contact information in timely manner, they do not provide communication in timely manner, and now, they will close your application and state you must start over without notice. I have tried and tried to work with US Bank to develop a plan to bring the mortgage current. I have documented all my correspondence with them. I am confused after the conversation yesterday telling me the case was closed and that I must start over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a balance transfer to pay off the US Bank XXXX XXXX XXXX ) credit card around XX/XX/XXXX. The transfer did not go through until XX/XX/XXXX or so. Because of the delay ( they ( US Bank ) admitted there was a delay of at least five days ). They charge me a late fee and additional interest on the old balance. In addition, U.S Bank has been misapplying the payment I've made between the purchase and cash balance accounts. I " been making many payment over the minimum amount, however the balance to the cash account kept going up. They said it was interest on the cash balance. I say it is because they did not apply the amount over the minimum to the cash account. The minimum amount can't be calculated with the previous months interest plus an additional amount or this would defeat the purpose of the law that says amounts over the minimum must be applied to the highest interest account. The cash account went up to over {$4000.00} and over the past couple of years ( ever since the card was transferred from XXXX XXXX to U.S. Bank ). The amount should be around {$2000.00} that I would owe. Now the balance transfer has gone through and there is a balance of about {$99.00}, however, I believe U.S. Bank ( XXXX XXXX ) owes me the difference on the misapplied, over the minimum payments to that account - about {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A