Date Received: 2022-01-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is an inquiry about a XXXX credit card with USbank that has shown up on my credit report on XX/XX/22. I did not apply for this card and it was applied for under the incorrect name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79106
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX Put a card credit inquiry on my experience credit site. Its not down by me. Its hurts my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. US BANK - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a Mortgage re-finance & a new XXXX from US bank My original Mortgage was with XXXX XXXX for {$380000.00} US bank also provided me with XXXX for {$100000.00} K I closed on both loans on XX/XX/2021 The current mortgage is {$390000.00} and a XXXX for {$100000.00} On XX/XX/XXXX US bank closed my XXXX and refused to investigate and told me I refinced and closed the XXXX. I went back to them to rectify the issue but US bank put a lean on my house and notify the credit bureau that I have debt of XXXX I am not sure if opening and closing accounts without the knowledge of consumers are something allowed banks to do I can provide all the information but as it stands today I feel it is a financial fraud committed by USbak. How can I get the help and report this issue Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a piece of mail from US Bank saying that a US Bank XXXX XXXX Account was opened in my name on XX/XX/XXXX. They listed an account number. I called US Bank and spoke with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. She said the application was declined as it was suspicious for fraud. She instructed me to report this to the XXXX and Federal Trade Commission which in turn sent me here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX around XXXX, I purchased XXXX ( XXXX ) $ XXXXdollar Visa prepaid cards issued by U.S. Bank in XXXX XXXX XXXX located in XXXX XXXX , CA XXXX . I registered all cards with my personal info right after the purchase. However, after XXXX minutes when I tried to use them for holidays shopping in the store, all cards have the damaged magnetic stripe which totally can not be used anymore. I immediately called XXXX and reported the issues with XXXX agents named " XXXX '' and " XXXX '' around XXXX - XXXX. Meanwhile I requested the replaced cards. It took a month to receive the new cards with my full name on it. On XX/XX/XXXX I tried to activate XXXX cards with XXXX agents and realized every single card has XXXX balance on it. I spent over XXXX minutes waiting for the right agent to help solve the issues. By around XXXX my call was finally transferred to a specialist named " XXXX XXXX who is willing to help. With another hour phone conversation, I was told all cards were compromised and used up in XXXX store and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is the reason the new replaced cards mailed to me have no balance. I made the very very clear conversation with those XXXX agents on XX/XX/XXXX that all three cards were damaged and not possible to be used in the store. The cards need to be void and empty with XXXX balance after requesting the new card mailed out. Also, the old cards were registered with my detail personal info on XX/XX/XXXX so I really do not think I have to be responsible for those fraudulent unauthorized transactions during XX/XX/XXXX and XX/XX/XXXX before receiving the new cards. The following are XXXX cards ID info provided by the agent. # 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: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX, USBank RE : XXXX XXXX XXXX XXXX Dear XXXX XXXX : My business was started just as COVID-19 struck us in XXXX of XXXX. The equipment I leased in XX/XX/XXXX was sitting in the warehouse of XXXX XXXX. It was installed in XXXX of XXXX, and according to the terms of the Lease, I was to get XXXX months grace period after installation not from the date of signing the agreement. The Dental office was immediately shut down until XX/XX/XXXX. We had no business and no income! I never got the XXXX months of grace period after the installation of the equipment. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX demanded payments immediately in the middle of the Pandemic. XXXX XXXX unfairly listed me as a high-risk defaulter when in fact I have enough asset to back up the loan. During Covid-19 Pandemic, XXXX XXXX was supposed to work with me and provide me with all the options to get relief, reduce payments and or postpone payments. He transferred the loan to USBank so so he could hide his mistakes and deny me a fair deal moving forward. During the second wave of COVID-19, My office was again closed between XXXX and XXXX except for a few emergency visits. I was unable to conduct business as usual. I had Pandemic related financial hardship and desperately needed and deserved additional Covid-19 relief. I had the right to request additional forbearance for at least 180 days. Based on the COVID-19 relief offered by the government, I had requested additional relief based on the medical emergency with myself and my family As a XXXX XXXX XXXX during the midst of COVID-19, you should have been more understanding and strived to help me recover and get back on track. Good Lenders are always willing to work with their clients to resolve the situation. As a good commercial lender, you were required to work with me and inform me about all my options during the COVID-19 before slapping me with property insurance charges and late charges. I complied with the USBanks requests and provided all the documents you requested and made payments as was arranged despite the Pandemic hardship that we are facing to this day. This information on Insurance charges and late charges was not disclosed to me from the beginning of the loan. Please take off these unfair late charges and property insurance charges when in fact I have had the XXXX XXXX for business property for the entire office and equipment since XX/XX/XXXX. Your equipment has never been uninsured since it was installed in XX/XX/XXXX I was shocked to learn it had late charges and legal fees added to the account without informing me. I had requested COVID-19 relief to make partial payments as is provided by Federal Law. I am kindly requesting that the ALL-late charges and the Insurance property charges be removed from my account, and I am willing to pay off the entire balance. Please send me a final pay off bill. Thanking you, Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: U.S Bankcorp put us on a forbearance program when we struggled during the XXXX pandemic. We were notified that the forbearance was coming to an end and were offered a deferment option or a Streamline modification to our loan with an interest rate of 2.8 % in XX/XX/2021. The bank representative XXXX, informed me that this rate and program will still be available at a later date if I would like to take the final forbearance extension for another 3 months. I contacted U.S Bankcorp in XXXX of 2021 to request an end to the forbearance and was provided a Request for Mortgage Assistance application. I also was requested numerous documentation, employment letters, bank statements, letters of explanation, tax transcripts & tax returns. I was also requested to create paystubs on word for self employment that were consistent with the direct deposits from my business banking. After 8 weeks of providing documentation. I received a letter from U.S Bank my modification was denied and the only option being offered is a short sale of my property. The reason for denial stated my current housing ratio was below 31 %. I contacted U.S. Bankcorp and informed them they had made a calculation error as my current housing ratio is above 75 %. I also informed them that I was offered options just a few months prior. After further review the bank representative said that they had a computer glitch and a new modification application will be sent out to us to complete. Upon logging into the bank website the status has not changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The following ( XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( ELAN FINACIAL SERVICE XXXX Date Opened XX/XX/2012 Balance {$0.00} )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX, I called US Bank to ensure that they did not take an automatic payment for {$320.00} because my lease had been terminated on XX/XX/XXXX and paid off. The representative told me that because I did not call XXXX business days in advance of when the payment would be taken out ( i.e., XX/XX/XXXX ) that there was a chance the automatic withdrawal would go through. She stated that she placed a " stop payment '' on my account. The payment for {$320.00} was subsequently withdrawn from my account on XX/XX/XXXX. I called to follow up with US Bank on or around XX/XX/XXXX to inform that they had taken the money from my account by mistake. They stated that they issued a check to my previous address on XX/XX/XXXX for the full amount ( i.e., {$320.00} ) and that it would take 7 to 10 business days to arrive to my home. I requested that they place a " stop payment '' on the check and reissue a new one to my correct address. They said that it would take 2 to 3 business days to reissue and send. It is now XX/XX/XXXX and I have not received a check. Today, US Bank again took a payment for a lease I no longer have for {$320.00} despite my calling them twice to confirm that the stop payment was effective. This caused the account to overdraft by {$20.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A