Date Received: 2024-01-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I received a letter from US Bank on XX/XX/XXXX stating that my loan was thirty days late zero times in 12 months. I was trying to purchase a new home, when the mortgage company contacted US Bank, US Bank sent a letter saying that I had been thirty days late three times in 12 months ( XX/XX/XXXX ). When I contact US Bank, they continue to state that they only show the account thirty days late one time in twelve which is XX/XX/XXXX. Since then, I have attempted to get US Bank to correct this in the system to no avail. When I call, they still say they only see one thirty-day late payment and they have notated the account that the letter from XX/XX/XXXX is inaccurate. When I ask for documentation, I get a letter declaring that they do not report to the credit bureau ; however, they did report this information to a mortgage company, and I am unable to move forward in the process due to this inaccurate information. Please correct information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72015
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Since I could not understand the content of the letter, I wrote a returning letter to request further explanation to the company called, Elan. Customer Authentication ATTN : Bureau Inquiry XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I received the letter regarding customer authentication. As I have only had your name in my credit report for soft inquiries, I am not sure whether I have received any credit card offering from the company called, Elan, in my life. From the beginning, I opted out my name to receive any credit card offers due to the result of identity theft. All credit card promotion has been opted out permanently from my entire life. Therefore, I do not expect to receive any offer from you. If you need my name and address, they are written above. And my telephone number is XXXX. I am not sure what do you mean an explanation of why [ I ] would like the inquiry removed. Would you explain what kind of inquiry I asked to remove? Previously, I sent some letter to your company due to the request of XXXX, because I do not recognize your company for soft inquiries, because, as I have mentioned above, I never received any credit offer from your company. Since I can not understand your question and inquiry, I will not sign the paper you have sent to me. And I request further explanation on your letter. I request explanation what unspecified means? And what is the result of the removal of consumer report? And why should I inquiry need to be removed from my consumer report? I am not sure my letter to your company, Elan, was meant for that. This letter and your letter, which was sent on XX/XX/XXXX of XXXX, will be reported to CFPB? Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Im writing about a payment I made to my credit card from Ameriprise Visa through Elan Financial. In XX/XX/XXXX I used XXXX bill pay service to make a {$10000.00} payment from my checking account. The payment was sent by XXXX to the bank who previously owned the credit account instead of to Elan. A copy of the check which is dated XX/XX/XXXX is attached. Upon realizing the payment had not been credited to my account, I contacted XXXX and Elan on XX/XX/XXXX. During a conference call the call with both parties, I spoke to XXXX XXXX from Elan who advised us that the address the check had been sent to appeared to be for the bank which owned the account before it had been purchased by Elan. He also advised me that this thing happens sometimes when the accounts get bought and sold and that Elan would open a payment investigation to find the payment and get it applied to my account. He also said that the timeframe for the investigation was unknown. The reference number for the investigation was XXXX. Over the next 2 years, I continued to contact XXXX, Elan, and the bank where my checking account that the payment was drafted from. No one was able to give me any updates of any substance. XXXX advised that they had sent affidavits to XXXX XXXX, as the bank where the check had been deposited, and to Elan, but that Elan was unwilling to sign the affidavit. They have never shared with me what the affidavit was asking Elan to affirm, but since they had not received the payment, this affidavit likely should have also been sent to the bank that previously owned the account. XXXX also advised me several times that they have sent proof of payment to Elan. In XX/XX/XXXX, I began receiving assistance from my checking account bank who was determined to help me locate where this missing {$10000.00} was and how to get it back. During a call to Elan on XX/XX/XXXX, we were advised that the previous owner of the account was actually XXXX and not XXXX XXXX. XXXX XXXX was just the bank where XXXX had deposited the check when it was cashed in XXXX. Upon providing the reference number for the payment investigation from 2 years prior where XXXX had assured me that Elan would contact the previous processing center to locate the payment, that it did not appear that any investigation had ever been done and there had been no attempt by Elan to follow through on their promise retrieve the payment. Now knowing that XXXX was who had the payment Id made 2 years ago, we were able to have XXXX contact them, although they did occasionally continue to try and direct me back to XXXX, and the {$10000.00} has now been returned to me. On XX/XX/XXXX, I contacted Elan again to request to make the payment, but I would like to have it backdated to XX/XX/XXXX, the date on the original payment check which was erroneously sent to XXXX, and that I would also like the account to be re-aged from that date. I was told by XXXX at Elan that he would need to look into the account but that he would call me back in 1 or 2 business days. When a week had passed with no return call from Elan, I called again on XX/XX/XXXX. This time I spoke with XXXX and again explained the situation and my request to her. She also advised me she would need to look into the account and would call me back. We also provided a copy of the check dated XX/XX/XXXX, to show that the payment had been made, it had just been sent to the previous owner. When she called me back the next day, she told me that even though I was misled by XXXX promise of assistance more than 2 years ago, there was nothing they could do. I have been trying to do the right thing for both myself and Elan since XX/XX/XXXX. I was promised assistance from Elan and did not receive it. XXXX consistently gave me the runaround and were not trying to contact the right bank to retrieve the money. I want to make the payment that I tried to make 2 and a half years ago, but I wanted to be treated fairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: received mail with PIN numbers about accounts opened with us bank checking, savings and money market and checks have already been written and deposits already in accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72404
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been in touch with US Bank for several months regarding refund disputes with companies such as XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. These companies have failed to send me the refunds owed to me. Initially, the charges were credited to my account, but they were later reversed. As a result, I stopped making deposits, which led to my US Bank account becoming overdrawn and pending closure. I sincerely believe that US Bank didnt properly investigate my refund claims. It is crucial for US Bank to address and rectify the issues with my account before it is closed, as this could potentially cause future problems for me with organizations like XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: illegal conduct doing covid-19 pandemic us bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
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: I was made aware of 2 charges to my US Bank Credit Card shortly after they occurred on XX/XX/2023. They were for {$3200.00} and {$1800.00}. Both had the transaction description of XXXX XXXX XXXX XXXXXXXX XXXX MO. I did not make these transactions with my US Bank credit card or otherwise. I notified US Bank of my disputation of these charges right away, and on XX/XX/2023 they gave me provisional credit for the 2 disputed charges and sent me a letter saying, among other things, that if the review was found in our favor, the provisional credit would become permanent, if not, they would reverse the provisional credit. They also said that during the course of their investigation, they may reach out to us for more information, which they never did, and that after the investigation was complete, they would send us a letter informing us of the resolution of the dispute. We never received such a letter. When I received the credit card bill for the previously described activity, the bill indicated that they had reversed the provisional credit on XX/XX/2023. My husband and I immediately called the US Bank Fraud Dept. to complain. We were given various explanations, none of which made any sense to us. Also, we were advised to get a police report, which no one had mentioned to us before. We did get a police report, which we can get a copy of, if you need it. After that episode I called the US Bank Fraud Dept. practically every day and my husband followed up with the police officer in trying to get more information for the police report. After about a week or two, I was finally able to get the US Bank Fraud people to say they would open up a new dispute and I gave them the police report number. I have not heard anything from them since. To my knowledge, the US Bank Fraud Dept. has never even opened an investigation into this.
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: 2024-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Money was not available when promised
Subissue:
Consumer Complaint: US Bank fails to correctly support XXXX. I setup an auto transaction and US bank sent me a confirmation email 3 days prior and when time came it was wiped out with no record. I called customer service and they they can say is that there is no record. Attaching confirmation email for setup if possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: My name is XXXX XXXX. I want to know how XXXX is gon na pay me for locking me out of my unemployment benefits and making me go through XXXX verifying and reverifying numerous times my identity over XXXX XXXX. I was homeless and it was cold and they wouldn't help. I went to the bank no help they didn't handle that, they said. I called unemployment and they told me a lot of people were having this problem. I read an article that week about what they were doing to people, took article advice and filed a complaint. My address and email have changed and I refuse to use US Bank because they are thieves. I have my same bank but the unemployment went to the US bank card which I got rid of when my benefits ended. I feel they should have to pay me. They made XXXX cold, lonely, homeless and broke quite miserable. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was looking for a company on XXXX that produces XXXX analyzers for mines. In XX/XX/2023, I found a company XXXX XXXX XXXX XXXX XXXX, which offers XXXX analyzers for mines, for examining stones. They advertise their machines for analizing metals, powders and liquids, which was supposed to solve my problem at XXXX XXXX XXXX. Because although I have a handheld NITON XXXX XXXX, I missed a machine for testing powdered stones and their chemical solutions. They offered their XXXX machine for {$9600.00} with shipping. I made the payment to their account through my bank USBank on XXXX. Unfortunately, this shipment was partially looted by XXXX employees. After the sellers completed the missing components and the machine was put into operation, problems arose. Their XXXX machine was doing fake analyses. To check their machine, I tested the same products ( metals, stones, stone powders, electrolytes from electrolysis and electrodes ) with their machine and mine, which was refurbished by XXXX company. It turns out that their device makes false results, it does not even detect metal plated on the electrodes : iridium, platinum, gold, silver, rhodium, palladium and others. I asked this XXXX company to reprogram their machine for mining, but they can not do it. I asked them for a refund because their machine is not suitable for mining, but they refuse. I asked XXXX XXXX, but they only solve customer cases of non-payment or non-delivery of goods. They don't handle fraud cases like my case. I asked my bank US Bank for help in recovering my money, but the people from this bank believed the seller who only sent selected texts of correspondence. Moreover, the seller does not have a certificate for this machine or even a manual for this machine. They claim that they have the certificate, but it is their secret, which is nonsense, because the certificate must be presented to the seller. I received over XXXX pages of description from XXXX, including safety information - this machine emits dangerous XXXX. I also received certification upon request. This XXXX company should not produce such machines, much less sell them abroad. Not only making false analyses, but there is absolutely no documentation of operation and warnings for recipients. I no longer have previous texts with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, I have a new account on XXXX. She should send all documentation of our conversations. Then you will see that they are lying to customers. They still offer their machines for mines, even though I proved to them that these machines are not suitable for testing powders and liquids. In the texts, XXXX XXXX initially writes that this machine is for testing metals, powders and liquids, but during the argument she admitted that their machine is only suitable for testing metals. But this is not true either, because as I wrote, their machine performs false tests of metals on electrodes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A