Date Received: 2022-01-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: - Someone appears to have fraudulently applied for and received a Visa credit card in connection with my Fidelity investment account - I discovered this today when I received an account statement in the mail ( physical mail ) addressed to : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX - Note that this is very similar to my address, which is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX- The account number on the fraudulent card is XXXX XXXX XXXX XXXX - I wasn't able to determine exactly when the account was opened, but it was likely in XXXX of XXXX of 2021 - This person appears to have made purchases totaling {$270.00} from XX/XX/2021 and XX/XX/2021 - I have reported this to Fidelity and they are investigating - Fidelity also told me that the email address associated with the fraudulent application is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I took a loan from US Bank in the amount of {$32000.00} to consolidate debt and pay off a home equity loan with XXXX. The original loan document states that my property was secured by another mortgage. The original loan document doesn't even identify the loan type but at some point in time US Bank treated the loan as a " mortgage ''. At the time that I took out the loan no escrow account was created. In XXXX, unbeknownst to me US Bank opened an escrow account for insurance. I called them in XXXX to cancel the insurance and notified them that my homeowner 's insurance and taxes were being paid by my first mortgage lender. While I was deployed overseas between XXXX, XXXX, and XXXX US bank continued to charge homeowner 's insurance. When I paid of my remaining balance of {$9700.00} this year they stated that I owe {$4700.00} to close the account due to " escrow advances ''. When I realized they had been charging me duplicate insurance for three years, I told them I could provide proof insurance from my other bank. US Bank representatives stated they would remove the charges if I furnished them copies of insurance. I obtained copies of the insurance from XXXX XXXX XXXX and sent them to US Bank. Apparently, it doesn't matter because both policies taken from the banks were lender forced and this somehow makes a big difference that I was double charged. After one month of phone calls, the US Bank representative finally said today they will not even attempt to contact the insurance company and reverse the duplicate mortgage insurance charged to my account. So in three years I spent $ XXXX on homeowner 's insurance between the XXXX banks on a house that is worth $ XXXX. The insurance should have only cost me {$1800.00} over the course of the three years I was double charged by the banks. I don't even understand why US Bank took out a $ XXXX policy if the insurance policy only covered the $ XXXX that I owed the bank and if the insurance company will not even talk to the Borrower whose home is covered by their policy. To add insult to injury the insurance company that XXXX and US Bank used in XXXX, XXXX, and XXXX was the same. The name of the insurance company is XXXX XXXX XXXX XXXX. Why would the insurance company accept duplicate payments for one property? Why are both banks saying the insurance company does not refund for duplicate payments?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX, I attempted to log in on my account, I had not received any notifications since XXXX -the first week. I assumed the account was safe No luck login in. So I called the XXXX number on my card and it ask for a number associated with the card I entered my old number and the system accepted it and moved forward with the call I requested my balance and to my surprise it said {$9.00}. And some change. I instantly requested an agent and let them know my balance was wrong. The agent was hesitant and notified me a second card was issued and mailed to my address. I was not expecting a second card in the mail. I never received that second card or any notifications or alerts that my card was being used. XX/XX/XXXX {$500.00} {$400.00} Transactions were made in XXXX Texas, at XXXX XXXX XXXX.. I was home in XXXX TEXAS. Numerous transactions were done totaling {$19000.00} plus dollars.. I RECEIVED A LETTER ON XX/XX/XXXX. Telling me in very few words that their ruling was there was no error occurred,! We consider this matter closed. I talked to the police to make my report but the agent I talked to after I received the letter said I had very little chance of getting any where from this point. I asked for the investigation report and all the documents used to reach their conclusion and all that was sent to me was the transaction report showing the transactions made. No video or any kind of effort to find out how my money was withdrawn or who took it. They were not trying to protect my money I almost believe they probably did the fraudulent charges to keep my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77532
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My bank account got hacked they gained access to my IP address & took {$7500.00} dollars out my my u.s bank savings account through XXXX! I reported fraud on the accounts & today XX/XX/22 I got in contact with them only for them to tell me that I will not be able to get the money back because I authorized the transfer when that is not true I didnt authorize anyone to take anything nor have anyone access to my account! I need some help, it all happened after I was sent a fake check for my landscaping business, I sent confirmation to the guy that sent the check to show that I had deposited it & then after that they had gotten into the account! I have the check that they sent, I have the guys phone number, as well as the postage that they used to mail me the check with an address on it! I also have a picture of an ID of the guy! Please help me! I guess all the money that had came out my my account was sent though multiple XXXX transactions to multiple different people! It was an all around scam & now Im the one that should be paying the price? No thats not the way it works, my money was not only insured but the bank let the perpetrators pull the money out of my accounts not once not twice not 3 times not 4 times but over 5 times to send it though XXXX & they just let it happen & didnt lock the account out after the first one!!? I am not At fault for this at all & am going to do everything I can to get my money back! Also on top of this nonsense happening, not only did they steal my money, & not only is the bank trying not to give it back to me but they said all ties have to be cut that I am no longer able to have any accounts with them! I have a mortgage though us bank, my own personal checking & savings the ones that got hacked then I opened 2 new ones & also have my business savings and checking though them thats 7 different accounts that I am no longer able to have because of this! The bank is really screwing me over & That is all the money I had to make it though this winter unemployment! I am genuinely screwed and theyre just blowing it off like its not a big deal! Theyve seen this multiple times before & the lady at the branch even said the same thing that shes seen it multiple times that it was most definitely fraud and I still havent gotten anywhere! this is all the money I have! My number is XXXX & my name is XXXX XXXX please help me Im begging you! thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Harrassed for payments during deferral, sent misleading statements, no acknowledgement f market conditions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
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: I bought a used car over a year ago through a private sale. I have been trying since then to get a lien release from US Bank. I have been told that there is no record of the lien because records are only kept for 7 years. I have tried many times through phone calls and emails to get something in writing saying that there is no longer a lien on the vehicle to no avail. The state of MT will not complete the title transfer until this information is received. The vehicle VIN # is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a collection call on my private cell phone number from US Bank. I never applied from credit with US Bank. The aggressive collector explained that I had an outstanding balance and was over 30 days late. I asked to be transferred to the Fraud unit. I pulled my credit and discovered a new UNAUTHORIZED account in my name. it was open XX/XX/XXXX with a high credit limit of XXXX an outstanding balance of XXXX it appears that the person used an address of XXXX XXXX XXXX XXXX. lot XXXX XXXX AZ XXXX credit pulled XX/XX/XXXX. I explained the situation to a XXXX ( XX/XX/XXXX XXXX ). Fraud team. I was treated poorly. I asked for a copy of the fraudulent application used. She said She didn't think they could share. I was informed it would take over 30 days for an investigator to verify that i did not owe this money. I explained i was in the market to purchase a property and the negative credit was impacting that acquisition. She did not care. I explained that I was gong to file a complaint with CFPB she said she never heard of your organization. PLEASE HELP ME>,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX, I received a XXXX Gift Card in the amount of {$230.00} issued by US Bank. I have attempted to use the card on several occasions. One of my attempts was on XX/XX/XXXX, at XXXX XXXX, the retail chain that sold the card. ( There appears a business relationship between XXXX and US Bank, as there are US Banks at many XXXX locations here ). The XXXX Supervisor attempted to get the card to work and then called US Bank. He was told that US Bank would electronically fix the card immediately. After several minutes we tried the card again, many times, and the card still did not work. The Supervisor and I called US Bank again and were told a replacement card would be provided by mail. I have sent four letters via US mail, on the following dates as follows, and have received no replacement card, check or communication. XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX. ( Delivery Confirmed ) I have been sending my correspondence to Card Holder Services, Bank and Risk Operations, XXXX XXXX XXXX, XXXX, Florida, XXXX. The Reference number is " ID Card XXXX ''. ( All communication and delivery receipts are available to you upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I did some transactions through US Bank on XXXX XXXX XXXX and found out these transactions were a scam. Because they were cash transactions in the amounts of {$52000.00}, the bank said they didn't know what I did with the cash, so they couldn't reimburse me. They reimbursed me for two receipts because they were on my debit card. I told them I had other receipts, but they said they wouldn't look at them because these receipts didn't say what I did with the cash. The bank told me I could have kept the cash and gambled it away. Actually I used the money to help someone who I thought I could trust. I got XXXX. My family has been using this bank for over fifty years -- my grandparents, parents and now me. In all these years this is the first time that anything like this has occurred. I was always taught that the bank helps you in times like these. Now, because they don't know what I did with the money, they can't help me. I've already paid off the 3 loans I took out and my credit card was reimbursed through the credit card company. Scams happen frequently, and I was totally unaware this was a scam. I got robbed. I feel a fair solution would be to reimburse me, as this is the only time in over fifty years of family banking that something like this has occurred. As I have never encountered this before, I will now be extra alert and more careful about how I do transactuons. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61115
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: US BANK PROMOTION OFFER XXXX promotion offer. Account opened and only activated after the estatment XX/XX/XXXX provision. The main office held on to opened account then replyed to customer just in time to miss the offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A