Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .US BANK bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Before loan closing we were told we would get a refund check of {$5600.00} for the balance of overpaid taxes we had made in escrow on original loan. The closing doc did not indicate our refund because I was told when I verbally questioned it with underwriting dept rep that the taxes had not been paid yet so it had to show due on the closing statement and we would get the refund at closing for the difference. I also indicated in email communication with closing dept rep that I did not understand why we were being charged twice and she told me we were not and this was correct closing information ( but it wasn't in the end ). We never received the refund we were promised. Instead U.S. Bank paid the taxes twice with the money. The overpayment was returned to US Bank on XX/XX/XXXX by our local county tax department. I was then told by U.S. Bank on XX/XX/XXXX that they had received the refund back and it was sitting in the account to be dispersed to us and that we should have a refund check within 5 - 7 business days. We did not receive it so I called back on XX/XX/XXXX and was told the same thing again. Still did not receive the refund check within 5 - 7 days as promised. I called back a third time on XX/XX/XXXX and was told it would take another 45 days to process which was a different story from the previous two rep conversations. We do not believe it is moral or fair for US Bank to hold our money for so long when we should have receive the refund back in XX/XX/XXXX at closing or shortly thereafter as promised. In the meantime, we are being charged interest on this money as it was financed as a part of our second loan. Also, we are being charged additional funds in our escrow account for the taxes for the new year. So in summary, we are paying 3 times for these taxes plus being charged interest in the new refinance loan on our own money we paid into escrow in original loan in XXXX. In other words, first, we paid one year of tax money in original loan escrow in XXXX and taxes were paid to county in XX/XX/XXXX. Second, the money was withheld again in our refinance loan closing in XX/XX/XXXX and we are being charged interest on the money they owe back to us! Third, US Bank is collecting additional tax money in Escrow monthly on current loan. We can not seem to resolve this with them. We keep getting the run-around and are promised resolution but it never happens. What are our rights for our money being withheld for so long and not refunded to us plus we are being charged interest on it?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30506
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX my family and I got extremely sick with Covid-19. My Wife and I missed a lot of work and pay. I called US Bank to start a forbearance plan. The plan was ONLY supposed to last 6 month. In XXXX of XXXX, I called US Bank to have the opportunity to start making payments again. US Bank offered me 3 separate options for a mortgage modification. When US Bank gave me my options, I misunderstood what the Loss Mitigation Rep was telling me, and I choose the incorrect option. It is now XX/XX/XXXX, I have gone through 6 loan modifications! According to US Bank, they " never received '' any of my loan modifications documents. On the other hand, I have been told by several different representatives through US Bank and they have told me received my documentation. I had a rep even tell me " Because I signed in to online banking, my load modification went null in void ''. It is difficult to get ahold of US Bank. I have called 10 times. Each time I have called, I have waited over a hour on hold. I have tried calling different times during the day. No matter the time, I am stuck on hold waiting for a representative over an hour. This is a tactic to prevent their clients from calling in. I am a director of a call center of a Credit Union. We focus on getting to the clients as fast as we can. You can monitor wait times with the call center programs. When members have to wait over an hour to talk to a representative, this disregard towards their members shows US Bank is unwilling to assist their members in the best way possible. How can I get an issue fixed when I have to take at MINIMUM 1 1/2 hours to try and get my situation fixed. They do not have physical locations to go to. When I first signed my mortgage, it was with XXXX. My Mortgage was sold to US Bank. We never freely went to US Bank to get our mortgage. I feel like US Bank is purposely causing these issues. I am strongly believing that they are trying to foreclose on our house to make more of a profit off my house. With current interest rates at an all time low, US Bank is forcing their clients into foreclosure to get the most value for their investment. I have a Wife and four daughters, I can not lose my home. I need your help. I need US Bank to finally fulfill their promise on completing a PROPER LOAN MODIFICATION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46516
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Made a deposit at the U.S Bank ATM at XXXX XXXX in XXXX XXXX, CA. The ATM instead disbursed an error receipt, which read A MACHINE ERROR HAS OCCURRED AND WE ARE UNABLE TO CREDIT YOUR ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. PLEASE CONTACT XXXX SO WE CAN ASSIST IN THE RETURN OF THESE ITEMS. I called, they opened a claim that they said would take XXXX days to get to, and if I needed immediate assistance with credit to my account to walk into my local branch. I drove over to the XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Branch XXXX, XXXX XXXX. She was very rude in assisting us, and did not answer questions I had. Instead told us the XXXX or XXXX number given they unfortunately always send people to the branch thinking we can help and we can not. I asked her the vendor/third party who services the US BANK ATM XXXX and she she why do you need that information? I replied, is it in your policy to not give that information? She replied, The third party vendor is irrelevant to this situation! I replied, it is of relevance to me. So again, is it in your policy to not provide that information? XXXX replied, I am sorry but I can not help you with your situation. I am disappointed at the customer service and lack of help. With other banks, they credit you while in investigating the issue, as in this situation it is not the customers fault. Whoever the third party is that maybe services the ATM dropped the ball, and now I am out of funds because I trusted the US BANK name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I just called US Bank to close the XXXX XXXX XXXX XXXX account there ( XXXX ). It is a CD and does not mature until next yearit is a 3-year CD. I spoke with XXXX who told me there would be a penaltyI expected that. She said closing the account today the payout would be {$160000.00}. Todays balance on the account is {$160000.00}. Astounded, I asked her how she came up with that amountyou typically forfeit the interest on the account for an early withdrawal and the interest for ALL of last year was about {$160.00}. I asked her to provide me with documentation for how the penalty is calculated. She was gone for a long time. She came back and said she wasnt seeing anything and I would need to go in to a branch. I told her she had to have how the penalty is calculated in writing and she was going to have to show me that because Ive never heard of such a steep penalty. She said she had something to send me. I asked to speak to a supervisor. A few minutes went by and she came back and said she found it on the website. She directed me to USBank.com ; Personal ; CDs ; How CDs work. I read the applicable section on Early Withdrawal to her aloud : Early withdrawal : If you withdraw money before the CDs term ends, youll usually have to pay a penalty. This penalty varies, but you may have to give up some of your interest earnings sometimes as much as three or six months worth. Again, I reminded her that in ALL of last year we only made {$160.00} in interest. So how did we get to a penalty of over {$5000.00}? She said she puts in the information and it gives her the amount. I told XXXX that I need to speak with a supervisorshe said they were all in meetings, but will call me back. I told her I needed a call back-that I will not be reaching out to them again, but will go to the authorities. She said, Yes, maam. I asked if she had my number, long pause then she read an old home number to me. I gave her the XXXX Office phone number : ( XXXX ) XXX-XXXX. I asked who would be calling. She said XXXX. I asked her for her last name. She said it was XXXX. When I asked for her direct number she said she didnt have one. Her title is CSR Manager. She asked if there was a time she shouldnt callI told her no. Anytime was fine. I confirmed again the dollar amount of the proceeds {$160000.00} and asked for todays balance : {$160.00}, XXXX. I asked how much interest wed earned since the beginning of the term for the XXXX in XX/XX/2020. She said she couldnt tell me that. She only had last years interest. I thanked her and ended the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US bank is reporting inaccurate information on my credit report and is defaming my character byu publishing inconsistent inaccurate credit information on me. For example ; I paid my mortgage balance off yet its still reporting as open til XX/XX/XXXX. This account also reports that I paid 60 days late in XXXX of XXXX on my XXXX and XXXX report but they marked me as current with XXXX. They have inconsistent dates of which my account opened on my XXXX credit report they say that I opened my account on XX/XX/XXXX and on XXXX and XXXX they say that my account was opened on XX/XX/XXXX. Which begs the question of how my account could've possible have been late. As the account had different account open report dates between bureaus. Additionally between XX/XX/XXXX thru XX/XX/XXXX I see an account on my XXXX report that went from reporting current to 60 days late. without ever first being 30 days late. Moreover my account status reports as closed on XXXX whereas it reports as paid account on the other 2 bureaus. This creditor reported my terms as 444 months on XXXX then report ed my term as 0 months with the other credit bureaus
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: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi my name is XXXX XXXX XXXX XXXX bank with us bank my social security number is XXXX I am filling a report because my debit card was stolen and someone put a XXXX $ check iny account it was never cashed it was not been done by me. I explained myself to these people to the best of my ability they are holding my funds my social security money and other funds. I am XXXX and my family Andi had no money for XXXX it has been miserable. I am confident on the finding that I Kno I didn't do this. The bank I'm having problems is the one on XXXX in XXXX WA. I went into that bank to let them know someone illegally used my card and they tried to download a check into my account they lady took a report and issued me a new card I activated it at the ATM the next day I tried to use it it wouldn't work so I went back into that bank and they told me to give them the card and the lady who issued me the. XXXX lied to her boss telling her boss she never handed me that card and that it was my old one,.! I said to her are u calling me a liar your associate gave me that card. I fought with her she threatened to call the cops on me shelied on me and humiliated me.. the us bank on XXXX in XXXX WA should be investigated I pleated my heart out to these guys they treated me like XXXX and I'm so upset still I can't access my funds there is now a hold on my account I did not do this and I'm asking that they leave my account alone and let me have my funds my birthdate is XX/XX/1980 my address on the account is XXXX XXXX XXXX XXXX WA XXXX thank u my phone number is XXXX u can call me at anytime thank u
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99207
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Us Bank - Is extremely ineffecient in covid19 mortgage modification/ forebearance plan servicing. In XXXX of XXXX I believe I was forced to pay instead of us bank having fair forebearance options. This caused a increased hardship rather than true payment workout plans. As a result Of COVID-19 I applied for a mortgage for forbearance month by month. Multiple times I contacted U.S. Bank to continue the relationship and in efforts to prevent default an excess of hardship. US Bank continue to not provide upfront information and allow consumers to make decisions including being denied to streamline process multiple times. When I knew I could afford my home and make payments. But US Bank instead made me do a complete request for mortgage assistance multiple times and as of this day of XX/XX/XXXX US Bank multiple times sent paperwork to the wrong address and then canceled the forbearance plan and multiple times and said that they will resolve the issue and they still have not. I have made a good attempt to make payments to US Bank for my home in US Bank home mortgage will not except my monies. This is causing an undue stressful hardship including Internet ability to really be a responsible borrower. Putting undue stress and hardship on me. I have had to constantly reach out to US Bank by phone and spent hours on the phone hours not minutes hoursI 've gotten a different answer each time and not a consistent answer I hope all my phone calls are recorded and can be reviewedAs of this date I had signed paperwork that was sent to me XX/XX/XXXX and Sent on time to US Bank with an acceptance by US Bank in Kentucky on XX/XX/XXXX The papers were received and then on XX/XX/XXXX they revoked or canceled the modification. As a result they had stated clearly by phone because I did not make my XXXX XXXX and XXXX payment. I was unable to make XXXX XXXX and XXXXXXXX XXXX payment because US Bank could not get the paperwork sent to the correct mailing address. They continue to send it to the home address knowing by multiple phone calls that I was not home due to working at a different location and needed to provide a mailing address. At this time US Bank is still not modified or completed the service in process will not except my monies. and it's causing me to be a extremely stressed borrower. I believe that my streamlined process was completely mishandled. I believe that I was provided in accurate access to affordable housing having an FHA loan and I believe that US banks and tents or not to provide a streamlined process. It's apparent that either they're just making it up on the fly and agents are just answering things just because but I am filingA complaint because I believe that my home will be put in the foreclosure for unnecessary reasons
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Prepaid Mastercard Gift card issued by U.S. Bank National Association expired XXXX No way to use or transfer funds after card expiration date. Company has taken full {$100.00} value in fees and closed account. These so-called " gift cards '' should be illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and US Bank ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99354
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A