Date Received: 2021-12-14
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 out the lease for a XXXX XXXX XXXX in XXXX, XXXX and I have still not been able to get US Bank to release the title to me. I have been to the DMV in my state and they said that US Bank has had the title since XXXX. I have a bill of sale and a copy of the title but no actual title. I have carried insurance on the vehicle to protect my investment but can not drive the car. I call every week and I get no where in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I contacted creditor and requested assistance given covid related health setback. Creditor refused to offer any XXXX deferral / forbearance option- they merely offered an {$8000.00} lump sum settlement payment. On XX/XX/2021, I received an email, again requesting I contact creditor, to discuss payment assistance options, no such options were provided. The creditor refused to discuss the matter and hung up the call. I have remained current on all credit obligations prior to my illness, this is the only XXXX company who I contacted that conduct themselves, as the XXXX XXXX XXXX that benefit always at the public 's expense, whenever their insatiable appetite leads the country to the brink of ruination. These XXXX have ruined my credit, and caused me 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: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A XXXX KY telephone number ( XXXX ) called to say they were an electronic document delivery service that is attempting to notify me of legal court actions. They said legal actions were being filed and they needed to give me a reference number and another telephone number to follow up. They provided the telephone number XXXX with reference number XXXX. When I called XXXX, a representative identified the company as XXXX XXXX XXXX XXXX. They claimed they were a litigation firm that represents clients in court. I asked if they were a law firm. They did not say no, but kept repeating they were a litigation firm. They claimed I had a US Bank account that was overdrawn by {$900.00} in XXXX. They said the legal fees have increased it to around $ XXXX. They offered to settle it for around {$1000.00}. They offered another option that required a {$400.00} down payment with extended payments. When I asked questions about dates, amounts, and fees they told me they could simply mark the account as disputed and a judge would have to weigh in on the matter. I was told when the judge issued a judgement all three credit agencies would be notified to report I was delinquent. The litigation firm gave me the US Bank reference number XXXX. I called US Bank and was told a debt was charged off in XXXX to a company called XXXX XXXX XXXX. I had not idea I owed the money. I was a college student that moved at times. The representative said XXXX XXXX XXXX has went out of business and perhaps sold my debt to another company. Part of their settlement entails that I call the XXXX XXXX KY court clerk to verify no open records of legal actions have been taken against me. I assumed they would know if they have filed legal actions against me. I feel like they are just assuming that if I found no open records it would confirm their story. They said once legal actions have been filed, there would be no settlement and I would be responsible for the entire $ XXXX. Here are my concerns. They are using language that implies they want me to believe they are a law firm or are attorneys by using language like litigation firm. They refer to the employees that will take action as " litigation associates ''. This rings in my ear as an attempt to imply lawyer. The statute of limitations may have already passed. They may be trying to " trick '' me into engaging in activities that may extend the statue of limitations. They kept pushing the phrases " we will just mark this as disputed '', " judge will issue a judgement '', and " your credit reports will indicate I am deliquent ''. US Bank will not provide any information other than a debt was sold. There is no way I can verify anything being said and their misleading comments make me wonder if anything can be trusted. They are able to provide past addresses, drivers license number, full social security number, and reasonably accurate dates. Also, why should I call a court clerk to verify the company has not filed legal actions against me. All these issues lead me to believe this may be a fraud using detailed information. The overdrawn account happened in XXXX. US Bank charged it off in XXXX and sold it to XXXX XXXX XXXX. I have no information when this company went out of business or if they sold the debt. I have no idea of the original overdraft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have not use my card since XXXX of 2020 because I had open issues with unemployment that will finally lifted in XXXX no money was supposed to be released to my account but it was I have three emails from US Bank saying unemployment ask them to issue me a new cards this whole time they were blaming me telling me that they have phone call records of me calling and everything up until 3 weeks ago when I showed them the evidence it wasn't me and they're still a problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I opened a Home Equity Line of Credit with USBank in 2019. At the time, I was pleased with the process of opening the account as USBank told me that I would be charged a low interest rate and that there would be no costs at closing and no costs to terminate the account. Fast forward a few years, I am currently moving and have to close my HELOC to close on my property. I called USBank to pay off my balance and close the account. At that time, they told me I would subject to a {$500.00} closing fee. As soon as I heard that, I disputed this fact while they told me it was in my contract. I informed them that I led to believe this would not be the case. I asked them to pull the transcript of the call from 2019 to confirm what I had in my notes from the original opening call. After XXXX calls with USBank, they refused to honor my request and told me that I was not able to receive any further information regarding the sales process or their sales tactics. I am at a loss and am heartbroken that such a large institution would be so brazen with their deception and double talk
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from US BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and US BANK with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been making {$95.00} XXXX payments to my vehicle loan with US Bank since XX/XX/XXXX. The monthly payment is made in XXXX weeks. The XXXX payment should go to the principal. However US Bank keeps moving the payment date forward once the regular monthly payment has been paid instead of applying the additional funds to the principal. I contacted them on XX/XX/XXXX and stated my issue with them. Their response was that it was policy to move apply the payment to the next month once the monthly payment has been made. When I pointed out that what they are doing is stealing from me to maximize their profits they offered to adjust the previous months and rebalance the account with the additional principal payments applied. They did not do that. They moved my payment due date back from XX/XX/XXXX to XX/XX/XXXX without telling me and did not apply the additional principal payments accordingly! Now I'm going to have a late fee! Furthermore, US Bank doesn't show the payment breakdowns online, so you have no idea they're taking advantage of you! I don't make weekly payments because I have the extra money laying around. I make them because I am trying to pay off the loan as quickly as possible paying as little interest as possible. It is fair to ANY consumer to pay a loan this was and I pay all my loans and credit cards this way. What's unfair is that these banks take advantage of consumers by scraping every penny they can!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46385
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have an XXXX credit card through XXXX XXXX XXXX. The last time I used the card was in XX/XX/2021 for {$44.00} at XXXX. In XXXX, I called in to pay my bill and was informed that my balance was {$4400.00} +. I was on the phone with 2 separate Elan representatives and I was insured that this would be looked into by the Fraud Department. I was then sent a new credit card and the old card was cancelled. Charges still kept be charged to XXXX, XXXX, XXXX and other miscellaneous companies. I again called the Fraud Department and they again closed that card down and sent me another one and told me not to activate it. I didn't. I have since been receiving card member services statements everyday showing a credit for one charge at a time. I at this time have over XXXX statements. The latest card that was not activated was charge this last XXXX for miscellaneous amounts totalling {$2000.00}. I for the last 10 months have been calling and speaking to Elan and everytime I am assured that a note on my account will be made and my credit won't be damaged. My husband and I bought a car a few months ago and was informed because of this nightmare, our credit went from XXXX to XXXX. Also I and he are being called 2-4 times a day. When I take the call, it is the same old promises that everything will be fine and I get transferred to the fraud department to explain the entire nightmare again. I also went into my local XXXX branch and the manager told me there is nothing she can do as they don't deal with the credit cards. My current balance on the card is {$1900.00}. I told Elan that I am not paying it and I need my credit restored. I have over XXXX statement showing that many of the charges were credited to my account but the charging continues and I am thinking it is an inside job. I don't know where to go from here. Please feel free to contact me at XXXX. The telephone number for cardmember services is XXXX. I do have over a XXXX statements that I can send you but am not sure if you wanted to have so many! By the way, as I was writing this, I was called again from XXXX Services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
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'm filing a complaint regarding an auto loan payoff with US Bank, specifically surrounding the lack of communication, the inconsistent information provided by US Bank reps, and the timeframe it has taken to close out my account and obtain a lien release. On XX/XX/2021, I called US Bank to inquire about my auto loan payoff as I needed to sell my vehicle. The rep I spoke to informed me it would take up to XXXX business days to process the lien release after payoff. I proceeded to pay off the loan on XX/XX/2021. After not receiving the lien release nor hearing anything from US Bank, I called on XX/XX/2021 ( XXXX business days after payoff ) for a status update. I was now informed that my loan account was still open and the lien release wouldn't be processed until account closure, which the rep informed me would occur on XX/XX/2021, the date of my statement closure. From then, I was told it would be another XXXX business days for the lien release to process, information that was inconsistent from what the 1st rep I spoke to. Today, on XX/XX/2021, upon checking my account online, I no longer had access to my monthly statements. I again called US Bank to inquire about the missing statements and for the payoff status. The rep I spoke to, XXXX, explained the account just closed on XX/XX/2021, and that it would now take XXXX business days for the lien release to be processed, not including mailing time. She indicated the timeframe for payoffs is XXXX business days from the time of payment ( XXXX business days to process payment XXXX business days to close the account + XXXX business days to process lien release XXXX mail time ). I am beyond frustrated with US Bank, and being unable to sell my car despite paying off my loan over XXXX weeks ago. See below for my questions : 1. Why did I receive XXXX different responses from the XXXX different reps I spoke to? 2. Why does it take XXXX calendar weeks to process an auto loan payoff when other lenders do so in less than half the time? 3. Why are all my loan statements no longer available on my online account? 4. Why have I not received any communication, written or verbal, from US Bank confirming my payoff or providing a timeframe on the lien release?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Contacted US Bank on XX/XX/XXXX regarding a letter I received informing me of terms of agreement for a US bank Go Visa signature card - a card I had never applied for. When I finally contacted someone named XXXX from US banks supposed fraud department, they confirmed a credit card application had been submitted in my name. They refused to give me any information regarding the application and repeatedly asked for my personal information, ie SSN, etc. I filed a fraud report. The told me the case # XXXX would be submitted and that I would receive a copy of the card application witching 7-14 days. Subsequently, I did receive a credit card from US bank in the mail on XX/XX/XXXX. On XX/XX/XXXX - I received a notice from US Bank from someone first name only given XXXX indicating the account had been closed, but included was a form requiring me to send a notarized letter including my personal information : SSR, and drivers license # - to US Bank - In order to receive a copy of the application and signature on this false credit card application. This is an example of a credit card company opening an account illegally in my name and interfering with my attempts to protect my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A