Date Received: 2022-02-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Around the beginning of XX/XX/2022 ( I do not recall the exact day ), I decided taht I wanted to request a credit limit increase for my U.S. Bank Cash + credit card and my U.S. Bank Flex Perks Rewards credit card. I logged in to my U.S. Bank account through my browser and went through the steps to verify my income, rent, and other information and then submitted my requests. Nowhere in this process did it ever tell me that U.S. Bank would do a hard credit inquiry on me for this process. I am very careful to pay attention to this whenever dealing with anything related to my credit. I would not have consented to a hard credit inquiry for this process had I known that it would be a possibility. I later got letters in the mail from U.S. Bank, dated XXXX XX/XX/2022, for each of the two credit card accounts that I applied for the increase on. The letters both explained that they could not process a credit limit increase because there was a freeze on my XXXX credit report and said to unfreeze the report then call them back at XXXX. I called them back at that number on XX/XX/2022 and spoke to a representative who told me that they did not know if a credit limit increase request entailed a hard inquiry or a soft inquiry and that there was no way of knowing this. I told him that it is required by law to inform me when they have the possibility to do a hard inquiry on my credit history. He then transferred me to a supervisor. The supervisor stated that the online credit limit increase request process for U.S. Bank does inform users that there is the possibility of a hard credit inquiry but she could not provide any proof of this supposed consent notice. I was then transferred to the underwriting department where I asked why they had to do a hard inquiry on me for a credit limit increase. He could not provide any reasonable explanation. He refused to process the request for a credit limit increase with just a soft pull of my credit report. U.S. Bank is fraudulently making hard credit pull requests on users whom have not been informed of this possibility beforehand. This is deceptive and illegal according to the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I received a check from XXXX XXXX which handles my 401K. I went to US Bank located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX XXXX ) on XX/XX/XXXX to cash it in the amount of ( {$3400.00} ) since the check is drawn off of US Bank. The teller ( XXXX XXXX ) who is a Client Relationship Consultant IV ( XXXX XXXX ) took one look at my check advised me they could not cash a check for a non customer over the amount of {$1500.00}. She told me I would need to go to my own bank, but handed me her card so my bank could verify the funds. She never looked up the account information on my check to verify the funds herself. She never looked to make sure the check was in sequence for the company. It's like she automatically assumed the check might be fraudulent and denied me service. Once I left I called another US Bank location to ask them if there was a limit for a non customer cashing a check and they told me no, as long as the money is available in their till they could do it. I called XXXX back and confronted her with this information, she told me each branch has their own policy and the branch managers policy for their location was a {$1500.00} max for a non customer to cash a check. I asked her was there a way I could verify that information, was it on the website or on a sign at the bank. She told me no when she started working at this location the branch manager just told her that's the policy. I advised her I wanted the number for the Office of the President she placed me on hold for 15 minutes and came back on and ask me what location I cashed my check at, I told her I just deposited at my own bank. She then asked what branch I spoke with regarding the limit for a non customer. I told her, she then proceeded to tell them, they should have not provided that information it goes against branch policy, which her manager advised her of. She asked for my name and number so her manager can call me back tomorrow ( XX/XX/XXXX ). XXXX never provided me with the number for the Office of the President like I asked for previously. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or just the way I look for her not to cash my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Getting the loan
Subissue:
Consumer Complaint: I had been applying for the U.S. Bank Simple Loan for nearly two years, and each time I received a vague denial reason to my credit application : " Poor credit or deposit performance with U.S. Bank. '' I have attached a sampling of denial letters for these Simple Loans, dating back to XX/XX/XXXX, although there were many more denial letters over the course of my banking relationship with U.S. Bank. I had asked customer service to define " poor credit or deposit performance with U.S. Bank, '' and each time I was told they did not know what this meant, or I was told to call a different department within U.S. Bank. Each time I called whatever department I was referred to, no one could tell me how or why I had " poor credit or deposit performance with U.S. Bank. '' On XXXX XXXX, XXXX, I contacted U.S. Bank by Direct Message on XXXX to file several complaints, one of which was a formal complaint of unfair lending practices in regard to the continued declines related to my credit application for a U.S. Bank Simple Loan. I asserted to their Social Media Ambassador, XXXX, ( his phone number is XXXX ) that I believe I was being unfairly discriminated against when I applied for the U.S. Bank Simple loan over the course of nearly two years. I asserted to XXXX that U.S. Bank must tell me precisely and exactly what " poor credit and poor deposit history '' meant to me, specifically ; a generalized statement was insufficient and did not allow me any opportunity to exercise my rights under applicable credit application and credit reporting laws to rectify whatever " poor credit and poor deposit history '' was causing repeated declines of my credit applications for the Simple Loans, and placing a hard inquiry on my credit report each time I made an application. After more than two months of XXXX stating he found no evidence of any " poor credit or deposit history '' that was specific to me with U.S. Bank, XXXX then agreed to route my formal complaint of discrimination and unfair and deceptive loan and credit practices to U.S. Bank 's corporate offices sometime around XXXX XXXX, XXXX, for them to investigate. After XXXX agreed to this, he let me know that my complaint was out of his hands. Even still, I received absolutely no communication or correspondence from anyone -- either XXXX or U.S. Bank 's Corporate Office -- that my complaint was being investigated, whom to contact with questions or any anticipated resolution date. XXXX informed me that my complaint would be completed within 15 calendar days. On XXXX XXXX, XXXX, I again followed up with U.S. Bank and XXXX via XXXX XXXX XXXX to inform them that I had not received any communication regarding my fair lending complaint. XXXX and U.S. Bank ignored my Direct Message despite my complaint, at that point, having taken more than the promised 15 calendar days. My complaint then continued to not receive any response or acknowledgement from anyone at U.S. Bank. On or around XXXX XXXX, XXXX called me and advised me that U.S. Bank 's Corporate Office had informed him that they were " close '' to a resolution to my complaint, but there still was no anticipated resolution date and XXXX was unable to share any details or information regarding what update he'd received from their Corporate Office. Additionally, I was not allowed to speak to anyone who was handling my complaint in the Corporate Office, and XXXX was unable to answer me when I directly asked him why my complaint was never acknowledged by the Corporate Office, why there was no communication on the delays of responding to my complaint, and why any resolution to my complaint was taking more than 30 days. Overall, U.S. Bank failed to abide by state and federal rules concerning the timeframe of resolving my complaint and communicating the delays that U.S. Bank intentionally caused. I received the attached letter from U.S. Bank, dated XXXX XXXX, XXXX, more than 30 days after making my official complaint of unfair and deceptive lending practices, in which XXXX XXXX says that U.S. Bank will delete only one hard inquiry from my credit reports for the countless Simple Loan applications I had made over the course of nearly two years. When I inquired with XXXX why only one hard inquiry, out of more than 10 hard inquiries would be removed from my credit file, he said he did not know and that I should refer to the letter from XXXX XXXX or contact U.S. Bank 's Direct Consumer Lending department to discuss this. As of the date of this complaint, no hard inquiry has been removed from any of my credit files. Additionally, whatever enclosures that were to have been included with XXXX XXXX 's XXXX XXXX letter, there were no such enclosures included. I am absolutely not doing U.S. Bank 's homework or their work for them by calling their Direct Consumer Lending department to ask them to do work they already promised to do. Failing to include the enclosures in the XXXX XXXX letter and failing to delete the one hard inquiry from my credit file, as promised, further demonstrates that U.S. Bank did not adhere to internal, federal and state guidelines when responding to my complaint, nor did they take seriously the complaint I made to them more than 90 days ago. I have attached screen shots of the Direct Messages on XXXX, providing evidence of XXXX and other U.S. Bank employees not responding to inquiries concerning this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Called on XX/XX/2022 to add my mom as an authorized user. She does not live in the US and does not have SSN, was told by the agent that another department would be able to override the requirement. Got transferred to an agent, verified codes. Got disconnected. Call again and found out that my account got blocked for further review. Spoke to a supervisor, and sweated all questions yet block was not lifted : I am leaving country in 6 days and need this card with me. This is just not right to have it blocked without any explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: We opened a business account with US Bank around XX/XX/XXXX and have been using it for about a year and a half However, we found out that all deposits and withdrawals from the account were disabled from XX/XX/XXXX to XX/XX/XXXX. We have called US Bank and visited the branch. They had informed us that our account was at risk and would be closed. They also said they would send us a check of about {$73000.00} in account balance in XXXX weeks. XX/XX/XXXX US BANK informed us that they would send the check in XXXX weeks again. Around XX/XX/XXXX we asked to change the address where we would receive our checks. They promised to send it to our new address within 10 days. It is now XX/XX/XXXX and we have not yet received funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. ELAN FIN SVC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/2021. I immediately disputed this information with ELAN FIN SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been in a COVID-related unemployment forbearance since summer 2020. I am returning to work and would like to reinstate my mortgage. I have requested my reinstatement options in writing and US Bank refuses to send them. They claim they can not send a written copy, and they want to describe the available options verbally so I can make a decision over the phone. I have an auditory processing disorder. They suggested that I get a trusted adult to help me conduct this financial business. My call has been disconnected twice ; representatives have refused to escalate the call ; there is no accessibility hotline on their website. They also can not tell me whether accepting the reinstatement offer would affect my OHFA down payment assistance. I would really like to have this information in writing so I can consult my OHFA rep, but US Bank refuses to provide it. When I asked the bank to reconnect my mortgage to my online banking account so I could see the options online, they accidentally locked me out of online banking for the week between XXXX and XXXX XXXX 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went through court to fight my ex husband from termination of maintenance and won case with my lawyers help. I was suppose to receive a check on XX/XX/2022 so I made plans to have some creditors get automated payments that day. Well check didnt come so my mother and I wrote check from her bank account to cover these bills so they wouldnt bounce. Well payment didnt come till XXXX and then her bank didnt honor checks ( we planned on having money to put in that account too out of ex husband check I received {$2000.00} x 2 and {$5600.00}. Everyone was paid but now bank has account on hold for risk fraudulent activity. My ex husband just stopped payments without notice in XXXX my credit and all accounts are closed and Im left with out credit and bank accounts and owing about XXXX to bank accounts and creditors too. Im XXXX and very sick with XXXX and XXXX and on XXXX prescriptions I can not handle this stress on top of what last 9 months I went through. Now Im getting terrible calls and bank has collection agency pursuing money and they wont release any so I can pay bills please help and if I did something wrong Ill make it right!! Theres hold on my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi. Please help me on this as I can not access my online account for over a month now. Even the " forget password '' option doesn't work as the phone number that appears where to send the one-time code is not mine and US Bank have not done any steps to correct it despite my claims due to fraudulent activities. On XX/XX/XXXX or XXXX - I received a text from US BANK that my mobile # has been changed and then followed by a XXXX transfer of {$500.00}. I immediately called US Bank about the fraudulent activity and informed them that I have not changed my phone number, I was shocked and can't believe what was happening. US BANK advised to lock my checking account and credit card to avoid any further fraud transactions. It also means I won't be able to access my online account until I everything has been cleared. I was told to visit one of the USBANK locations to get a new card # and get further help to resolve all issues. Once at the bank, i informed the banker about the fraudulent activity and told her to remove the unknown phone number, there should be only my phone number on the account. Record has been updated except for the online account as I was told to call them again. Following, upon checking my online account still i can not log-in. Even the forget password option still doesn't work. Once again, i called online banking service and fraud department to help me, i was on the phone for more than an hour, have been transferred multiple times and was asked same details name, address, date of birth and ssn multiple times but still they were not able to help me. Worst to know that someone's phone number is still on my account. i am not receiving any text nor any alert, hackers out there is getting it! i thought the fraud phone number has been removed! Didn't I already informed them about it? on the phone and by visiting one of their location a month ago! I was informed tonight that they will issue a claim to remove the number and it will take 3-5 business days! Haven't they taken any steps to correct it? I've been with them for more than 10 years. I felt so disappointed as they have not done enough to resolve this issue and the stress it has given us. it's time to end it and move to a reliable bank. Thank you for your help in advance and any help big or small is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened an checking account with us bank in XXXX Minnesota, my account number is XXXX XXXX XXXX XXXX my name is XXXX XXXX. On XX/XX/XXXX I deposited money in the amount of {$750.00} Sometime that night my debit card went missing. I thought I just misplaced it. I was wrong. Later I checked my online account found out there has been alot of transitions going through my account. From XX/XX/XXXX after my deposit to XX/XX/XXXX. Are ALL UNAUTHORIZED CHARGES. Except for 2 from XXXX. I told us Bank what is happening and told them the dates that were not from me. They told me they could help and get my money back. So I believed them. Next I made a police report and the officer found a surveillance tape with a guy using my card .It turns out that that guy '' believe it or not '' is my brother. I was shocked.. I thought that a woman stole my card and I was wrong he took about {$530.00} out of my account the police officer helped me figure that out The cop went through my bank account with me and showed me at the bottom of the statement shows the last three or four digits of the card that was used, so we figured out exactly which ones were fraudulent and which ones were not then I realized that two of them we're actually from me, it was 2 XXXX transactions both of them were XXXX purchases same day the XX/XX/XXXX and my card is already registered on XXXX and saved so XXXX didn't need my card physically to have that purchase go through. it just went through and the XXXX and the XXXX of XXXX those two I found out later that was from me. those were the only ones that I got wrong. so I called the bank and straightened it out with them, they told me it didn't add up they said they saw me on camera which doesn't make sense because I didn't use my card. My card was stolen the only card that I got is my new one. I canceled that old stolen debit card and I received a new card. I used that new card and I'm thinking that they saw me use that new card and thought that it was me the whole time. But that's NOT TRUE AT ALL. I don't know why they say it doesn't add up? or why they don't believe me? I wouldn't lie about something like this. It was very devastating to me to have my own brother steal my money like that. I am a single mother on XXXX and I'm a Christian and I try to do the right thing. and all I do is help him out and he screwed me over so did the bank.They charged me {$750.00} and put me {$400.00} negative in my account. They want me to pay. Why would I have to pay any money for getting robbed and taken advantage of. I just got robbed and they're asking me for more money than what was stolen. I don't have money like that... that was all the money that I have... I am low income and I feel like the bank just screwed me over, they had many many months from XXXX to XXXX to fix my account and look at all the transactions but I think they didn't look at them cause if they did they would see. I'm being honest. They would of seen someone else use my card on surveillance ... why? if the cops can find it on one try, how come the bank can't? they act like I'm lying about it, I'm Not! Said it doesn't add up? I don't understand why they are doing this to me? they're not doing their job properly... I went to them for help because I just got robbed and they just blew me away. I found out that they just close my case/ account and sent it to collections .I 've been working on my credit for some time now and this is going to hurt my credit. for something that I didn't even do .I have never been negative or overdrawn in my account since I had that account open. Us bank made me overdraft and they charged me a whole bunch of money. that I don't have, why should I have to pay money when I am the victim and I got robbed. they're not taking my story seriously and they're not doing their job or anything to help or fix it. I gave them the police name and number and I told them to get the surveillance from him. Talk to him. and I don't know what to do. they closed my case multiple times, I had them open it multiple times. I been waiting forever for it to get resolved. And nothing. They won't fix my account or give me my money back and then they go and close it. I got screwed over by getting robbed once and then by the bank too.they just completely screwed me over. I did NOTHING WRONG.. I am the victim... I didn't do anything wrong but Reach out to them to help me. I thought they would help me and fix it. not accuse me of lying or telling me my story don't add up.. I'm telling the honest to God truth and I feel helpless and hopeless and I don't know what to do. I don't like to be accused of something that I didn't do I got robbed and they're robbing me again. I don't know who to turn to. I want something done about it. I want my money back and I want those charges gone. because I didn't do anything to have those charges put on me. I was robbed and taken advantage of and that's the same thing that US Bank is doing to me. I've called them crying on the phone begging them to help me to fix my account and it's just they won't do it. I don't understand, I'm never had this problem ever in my life .Can you please help me in any way? point me to the right direction? what should I do? should I call the cops on them? because what they're doing is wrong!! I don't really know what to call it but they're screwing me over ... anyways I hope that you can get back to me and help me and give me some lights and I want my money back I want those charges gone, I didn't do anything to deserve to have {$750.00} charged against me plus {$400.00} negative in my account which I did not do... I got robbed twice... PLEASE PLEASE HELP ME I DONT DESERVE THIS .IM THE VICTIM HERE.DONT KNOW WHO TO TURN TO FOR HELP.MY CREDIT IS IMPORTANT TO ME.I PRAY IT GETS RESOLVED IN JESUS NAME . THANK YOU FOR YOU TIME. Reply Back Please ~ 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: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A