Date Received: 2021-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I will be seeking to file a complaint with the FTC and XXXX if this account is not deleted off my consumer report and to my knowledge, I do not recall any of these accounts. I need this problem fixed ASAP. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. Section XXXX ( a ) it is plainly stated it is plainly stated a failure to investigate these items to immediately remove this item from my credit report. Follow the orders on my cease and desist if not able delete this account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had multiple deposits made into my US Bank checking account, including {$710.00} on XX/XX/XXXX, {$290.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. The receipts confirming the dates and amounts can be provided upon request. I made a payment to my XXXX credit card from the same US Bank checking account in the amount of {$170.00} on XX/XX/XXXX. US Bank fraudulently changed the order of these transactions in a way that made my account appear overdrafted when it was not : They posted the XXXX credit card payment on XX/XX/XXXX, and all XXXX deposits on XX/XX/XXXX. Then they assessed a {$36.00} overdraft fee. I called US Bank on XX/XX/XXXX to request that the overdraft fee is removed because no overdraft has occured. The representative was evasive and uncooperative, claiming that they received a " notification '' about my payments " after XXXX on XX/XX/XXXX ''. Despite my explanation that they were in posession of my deposits for days before the disputed overdraft took place, the rep refused to consider a refund of the overdraft fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I closed an account in XXXX possibly XXXX. Either way, the closed account does not show on US banks end. I called and confirmed and they do not appear on US banks end as a closed account and records are not available for retrieval however they show a debit and atm card which is an indicator that clearly there was a checking and savings account at their firm. I called the first time and explained. The lady mentioned she would reach out to IT dept. She left me on hold for 10 to 20 minutes and the line disconnected. I did not receive a call back. I called again. Informed the second lady that someone is fraudulently calling in and having my info removed plus posing as my POA in which i did not have one. Informed her I had to disconnect and to call me if she has a solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68154
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My purse was stolen on XXXX at XXXX with my checkbook. ( police report filed ) I called US bank around XXXX and the rep. helped me close checking account. She also had me list upcoming ACH debits. I listed XXXX 's {$190.00} expected on XX/XX/XXXX. She said US Bank would process that payment. Unfortunately, on XX/XX/XXXX I received an email from XXXX, the account was past due- the payment was returned by US Bank XXXX If I had known the info., given to me by a US Bank rep., on the phone on XXXX was incorrect I would have made an alternate payment arrangement for my XXXX card. This return payment resulted in a {$29.00} return fee & {$1.00} interest = {$30.00} on my account. I paid the past due immediately on XX/XX/XXXX and disputed the fees with rep & then a manager ; he refused to reverse. He said it was US Bank 's responsibility to credit my account for {$30.00}. I then called US Bank and and explained XXXX 's position. The US Bank rep said they would send a letter to XXXX explaining their position and request reversal of fee. It was not US Banks responsibility to pay XXXX 's return fee. I have not received a letter, so I called US Bank again today XXXX and they said once I receive the letter I should present it to XXXX They would not credit my account for {$30.00}. I have been a valued customer for both multi billion dollar Corporations for over 30 years, but XXXX XXXX US Bank state they will not reimburse me for fees charged of {$30.00} through reversal by XXXX XXXXr a courtesy credit by US Bank. I'm a fraud victim and did everything correctly. Please advise. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I went into the XXXX and XXXX branch to change my checking over to my revocable trust. The teller said I had to make an appointment for this. She made the appointment for me for the following day at XXXX. I showed up the next day at XXXX. The teller told me to wait in the lobby. I waited for XXXX minutes and no one came to help me. I got up and left. Why do I have to schedule my day around this nonsense? If banks are forcing appointments upon their customers, they should honor the appointments they make. This is for the XXXX XXXX XXXX branch in XXXX CA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have an existing HELOC with U.S. Bank for roughly {$170000.00}. Today, I called the bank to discuss a cash-out refinance to consolidate the HELOC and was told by XXXX XXXX XXXX of the XXXX branch XXXX that I was not allowed to apply and that U.S. Bank did not want my business. XXXX XXXX stated the reasons as being because they allege I am charged with a felony ( I am not ) and because I only maintain a {$70.00} balance in my account. I keep very little money in my U.S. Bank account... but that's only because XXXX offers much better terms. U.S. Bank is still making tens of thousands of dollars from me with the closing costs of the HELOC and the $ 560 monthly interest payments made every month. Their refusal to even permit me to APPLY for to refinance a product they sold me is discriminatory and is causing me unnecessary financial harm. I only took out the HELOC on the promise that I could consolidate and refinance. That is fraud in the inducement of contract. They sold me on taking out the HELOC and then refinancing it... now that they have the HELOC they are refusing to allow me to even apply for the refinancing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My husband and I have an account with US bank, along with my daughter who is a minor so my name is on the account. Theres been an overwhelming amount of overdraft fees on all our accounts even though our card is locked and we havent used the account. One day theres money in the account, we havent used our card as I said, the next thing theres all these overdraft charges on there. Weve talked to the bank and all theyll do is remove one of the fees. Its like hundreds of dollars at one time making our account hundreds of dollars overdrawn. My daughters and mine account ( its one account because shes a minor ) is almost {$200.00} dollars overdrawn and she hasnt even used it! These charges are breaking us!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I dealt with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an offer by US Bank to refinance my house mortgage. The communication with US Bank started in XXXX 2021 ; paperwork was sent by me to US Bank on XXXX XXXX, 2021, and a {$400.00} processing fee was extracted from my account by US Bank to complete the application form. However, since initial paperwork was completed, there has been no progress by US Bank. I have inquired multiple times to the above 3 names. About once a month I got requests from US Bank for updated bank statements and profit/loss statements, which I send them, and then I get no further communication from them. This happened 3-4 times, where I keep asking for updates and they do not appear to be processing my application, but they have taken my application fee. I believe they are misleading in that they have not processed the application at all and have no intention to do so. I lodged a complaint with CFPB, and they responded that they would refund {$390.00} towards my application fee. They did NOT do this, and instead sent a letter denying my application, claiming I failed to send them the very information I sent them XXXX times in a row!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a letter from Elan Financial Services stating I applied for a XXXX Credit Card and since they were unable to verify my identification info they werent able to approve the application. When I searched the toll free number listed on the letter XXXX. Tons of fraud and scam info came up immediately for that number. I am not the only one receiving some kind of inquiries from them. They did manage to get my XXXX XXXX from XXXX XXXX they included a additional letter with my XXXX XXXX and credit information. The date of the letter is XX/XX/2021. I also dont see a bank listed and bc I did apply for a consolidation credit card I am uncertain about this being legit after reading the complaints I online. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my XXXX XXXX and file ) with XXXX for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX informed me the following : " I advised Mr XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX XXXX XXXX to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A