Date Received: 2022-01-26
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: When I purchased my vehicle it was converted from a lease through the dealership to a loan through US Bank. At that time, they sent me paperwork to transfer the the title and a check to cover the taxes. That paperwork at that time would have moved the title holder from XXXX to US Bank. This occurred in XXXX, the entire issue started due to the DMV being shut down in California/COVID protocols ... I could not make a appointment to transfer the title as everything was exclusively being handled online and you could not make payment via the Internet with a physically check. I repeatedly called US Bank and offered different scenarios for resolution ( connect to my PC and submit payment, web address for them to direct pay, send me a check in my name and I will pay ) but each time it was denied. US Bank asked after 90 days if I was unable to secure a date in person with the DMV to send the title and check back to them, which is what I did. Fast forward to XXXX, I pay off my loan ( vehicle now legally mine ) and I call to inquire about the timing of my title, they tell me wait 10 days and it will arrive, it never does. I call back XXXX and they tell me that they lost the title and they are not sure what they are going to do, ultimately US Bank escalates it a Division of theirs call XXXX which handles these types of issues. At this point US Bank sends me paperwork that I must get notarized at my expense to move the title from the original dealer to US Bank, from there they will handle the rest ( I have the documents if needed ), so I do and send them back. I am then told that they can bi-pass all that and send me new paperwork and and a check to move it directly into my name. The issues as it stands now, the DMV has imposed late penalties because US Bank did not properly transfer the title into their possession and US Bank no longer is willing to acknowledge my emails, calls or request to address this. Open issues are : Vehicle purchased in XXXX- still do not have my title. {$650.00} difference from what the DMV is requesting and what US Bank check is. I am unable to register my vehicle ( due in XXXX ) as they have a lean on my car. I have 43 attempts at contact with US Bank, no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called us bank to dispute a transaction and i simply informed them that the items ordered was not delivered so i would like to dispute that transaction ... ..the lady on the line took care of it and the card was working fine ... ..i wake up this morning to realize that they marked my card as stolen, i didn't ask for the card to be set as stolen, all i asked was to dispute a transaction. i do have a business that i run and all transactions from XXXX XXXX till XXXX XXXX the next morning when the nearest us bank opened were rejected. i called to simply have the card re-opened because it was not stolen and it was not that simple and us bank refused to help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I accidentally sent money with XXXX to Elan Card Member Service instead of my XXXX XXXXXXXX card. The payment was {$1500.00}. I noticed the error on XX/XX/XXXX. I immediately called Elan @ XXXX to correct the payment. I visited with XXXX. She saw the credit on the card and said she would begin the process to return the payment to XXXX. She said it would take just a couple of days. I did not receive the credit back so I called XXXX on the XXXX XXXX. I was on hold for over 2 hours to talk to a representative. Just to have them tell me they could do nothing to help me to get my funds returned. So I again called Elan. XXXX told me there was nothing she could do. I would have to wait 19 days for an investigation to see if they would return my funds. I do not have a balance on this card. They have a credit for the amount sent. I asked how they could keep my money when they knew it was sent in error. She said it wasn't her problem. I would have to talk to a different department and she hung up on me. So I tried to file a dispute with XXXX XXXX XXXX XXXX to help me receive my funds. They denied my dispute. It is now the XXXX of XXXX and I still have no idea if or when I can expect to receive my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 594XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage requires online payments without assessing a fee. I can not set up autopayments or adjust the payment date online resulting in me missing payments due to lack of attention. I have been trying to set up autopay since XXXX of XXXX but can not. Ive been told that I'm using the wrong browser, the name is wrong on the account, plus other more mystifying scenarios. I was told on XXXX that I can not access the account, even though I am one of the account holders, because their online system will only allow two names on the account and our family trust is the primary and my husband is the secondary. I feel it's illegal to deny me access to my account as I am liable for the debt. I can not access my account any other way as paperless was part of the contract. The bank did say that my husband and I can change who is secondary but that leaves my husband unable to manage the account if I die or become incapacitated in any way. Besides the fact that we have to absorb the notary cost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 897XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We went into forbearance with a mortgage balance of approximately XXXX. After we came out of 12 month forbearance, US Bank took our missed payments and just added them onto our principal. Our mortgage increased to almost XXXX. How is this legal? We did not take any money. Essentially we added 12 months to our mortgage. We do not know what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My authorized users credit card has fraud on the account, I contacted US bank to notify them of the card being stolen, when I spoke to the bank I received the run around from the bank in regards to these charges, I was bounced from agent to agent to agent, the agent who answered the phone seemed like he did not want to be there tonight, he was very rude, anything you asked him was as if it was a bother to him, I asked him to review the account and he seemed as if he was off in space, this is absolutely unacceptable to me, that we have had fraud on the account and US bank does not have the decency to care one single bit and to assist with getting these charges taken care of, I will not be treated as a number, this is highly unacceptable., It is unacceptable that the bank first of all did not catch these charges, it is now unacceptable that the bank can not get their act together and get the charges tagged correctly and them removed from my account, I was transferred over and over and over and over and over with no solution, I have no idea if the fraud claim was opened correctly or not, and I can not get answers, these charges need to be removed off my account immediately, These are FRAUD and not authorized by myself nor my additional card holder. Its extremely unacceptable being a victim of fraud and the bank not doing their job to fix it or correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have paid extra on my mortgage and the extra was to go to my principle and instead they put the money into escrow and suspend payment. They are now saying I owe over 7,000 on my mortgage. I have attached a copy of my last mortgage letter. Now they are saying I am delinquent. It was a construction loan and they did not accept my payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: i am a regular consumer with several regular credit cards, a postal address, etc. I purchased a prepaid mastercard from XXXX 's ( XXXX ) in XXXX. I put {$200.00} on the card. I wanted to make a discreet online purchase, so I wanted to pay using the prepaid card so that it wouldn't show up on my bank account for other family members to see. Only once I open the card packaging, it informs me that I have to register the card online ( at XXXX ). fine! that's okay, as long as they don't send me anything to my address. I put the 16-digit number into the webpage and it says there's a problem. I try again. I try again. I call the customer number. I wait 30 minutes on hold. the customer services representative informs me that the number has been used in a fraud and the ONLY possible way they can remedy the situation is to SEND a physical card to my address. Obviously, that's not an okay solution for me. To be clear, I don't mind giving my address to the website, but I absolutely don't want anything sent to my physical address. I discuss options with the customer services person. I speak to a supervisor. Nothing. it's as if they have had this conversation a hundred times before. I give up. I fume for a few days at my lost {$200.00}. Then I go and buy another card ( this time for {$150.00}, I found a cheaper online test ). I purchase from a different XXXX store, and use XXXX rather than XXXX. guess what? SAME THING HAPPENS. I'm now {$350.00} out of pocket ( plus purchase fees ) with the feeling that the gift card company knows exactly what's happening and loves taking my money and not giving it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : XXXX XXXX, US Bank, XXXX XXXX XXXXXXXX, and XXXX XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later us bank put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX Bank don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A