Date Received: 2021-10-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have used my US Bank credit card for years for overseas travel. I have followed their explicit instructions to call and document the respective countries I will be visiting. This has always worked very smoothly without any issues. In XXXX, I was in XXXX and the XXXX XXXX XXXX and communicated this information to the bank. On XX/XX/2021, my credit card was denied for a {$19.00} taxi ride when I first arrived in the XXXX. I was in the extreme heat, in an unknown place, with a driver who didn't speak English and did not have any cash on me. This was a stressful experience that could of been completed avoided. The bank had intentionally denied my credit card transaction. I don't understand why this would happen if I went through the trouble to document this. I then had to call them overseas incurring long distance charges of {$9.00}. I could understand placing a hold on a material dollar transaction, but this was unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2021, a Contract was entered into with XXXX XXXX XXXX located in XXXX XXXX, NV. Items were chosen for the products. About two weeks later, a call was made to us by XXXX XXXX stating that they were unable to provide the merchandise, because the manufacturer of said products had removed the samples from their store. She then asked if she could send us pictures of another sample. She was told no, we would come in and see what else they had. ( Big mistake ) We did chose something else. After not hearing from XXXX XXXX XXXX on XX/XX/XXXX, I, XXXX XXXX, made a call to the store. I was told XXXX XXXX was on vacation. However, she left a note stating " That the counter top we ordered was also not available, because they were having trouble getting anything out of California. I then asked her if she had any idea when the material would be available, she answered, " It could be two weeks, a month or longer. '' She also asked if we would come back in and chose something else. I told her, " No. '' I then asked her if the cabinets were ordered. She replied, '' I don't know, someone else is supposed to order them. I asked her to call me back. She never did. On XX/XX/XXXX, I called her and told her to cancel the Order, because by then, XXXX XXXX XXXX had breached the Contract. She replied, " I don't know how to do it. '' I told her I would call the bank and file a Dispute. On XX/XX/2021, I called US Bank filed a Dispute. They reversed the charges. Just like this complaint US was given the information they requested. US Bank only response through emails, stating they are looking into resolving the matter. US Bank did call my cell phone on XX/XX/XXXX, at XXXX. Left no messages. Only after I checked my bank statement did I realize they Bank had reversed the charges. Claiming they could not get a hold of us. They are claiming XXXX said, they delivered the products. We had sent several emails to XXXX, all to no avail. US Bank, something about them no able to get the products because of COVID. XXXX had four boxes of backsplash delivered to our home. At the time we had no idea what XXXX was delivering. They were left on the porch without our consent. That was the very first time XXXX had ever been in touch with us after the Contract was canceled. US Bank took their side and gave them back our hard earned money. They said that's what Visa would want. US Bank did call our cell phone again On XX/XX/XXXX, at XXXX XXXX and leave a message, only after I had made several attempts to reach a " supervisor '' to find out how such a decision could be made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I received a letter from US Bank to my home address to alert me that the Platinum Credit Card application can not be processed due to a credit freeze on my credit file. I did not apply for this card and assume that this is identity theft. I called US Bank and spoke with the Fraud Dept who said they would put a note on my application for fraud and advised that I file a police report ( which I plan to do ). The application would not be processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. US BANK CONSOLIDATED Inquired on XX/XX/2020 2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Elan Financial keeps charging me for a fraudulent account never authorized by me. In their response, they claim that the address and phone number verify to me. However, I have never had this XXXX phone number nor have I ever lived at the address on the application. Someone has used my social to open fraudulent accounts and phone numbers. Additionally, the application had an incorrect last name, which I have never used. The email address and employer also is not my real information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : XXXX XXXX XXXX XXXX TO MY CREDIT FILE! Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : NA 5. The following personal information is incorrect Account Number : Employers : XXXX XXXXY XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX. Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXXL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: At the end of last year, I fled an XXXX relationship and began living of my Comerica Bank Credit card. I called them to let them know this and asked numerous times for lower interest rates, balance transfers, deferred interests etc all options I know is available to people like me -victims. Comerica bank refused to help my citing that my situation was not serious enough for them to help me. Keep in mind, my abuser tried to kill me and I was hospitalized. I began making payments and NEVER missed any payments. Then they began charging me HIGHER interests when I was not even making ANY purchases with the card. When I reported Comerica bank to CFPB, the retaliated against me by running my credit and lowering my credit limit. I called them to ask why and they said I have late payments. I DO NOT HAVE ANY late payments. they lied. Moreover, I found out from an employee that they were retaliating because of my numerous complaints against them. I have paid of the credit card in FULL as of XXXX. I called today XXXX to close the account and they began reading me " a disclosure '' saying that if I close down the account, they may never issue me a credit card in future. This is illegal and this needs to be looked into. My other banks have agreed to help me. I spoke to management at XXXX, XXXX XXXX and XXXX XXXX NONE of them reported me to the credit bureaus. None of them lowered my credit limit. Comerica BANK is a XXXX and discriminatory bank and I will never use them again. CFPB needs to look into them ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
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: 2021-10-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I just got a letter stating that First Merchant Bank Cardmember Service has closed out my account without my permission or without notifying me first by phone. When I called them as soon as I got the letter I found out they called the wrong phone number. I have attached the letter I have received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am having a serious issue going on with my credit report. I have been a victim of identity theft. I have tried to work closely with US Bank fraud department for the last 2 years. They are reporting an auto loan with their institution which was opened fraudulently, I signed there affidavits and filed the police reports necessary. and they denied my claim due to dealertrac saying that my correct license was used. I explained to US Bank I lost all of my documents while traveling to XXXX XXXX. This account was token out in XXXX New Mexico. A place I have never visited or lived in. Their was another account that was opened up with XXXX XXXX XXXX it was another Auto loan as well. In their investigation they came up with a copy of a New Jersey Drivers license with a po box dress in Florida. I called New Jersey and was told that New Jersey license with residents residing would only have a New Jersey address listed on the identification. Which tells me this license that was provided to XXXX XXXX was fraudulent. I need help in getting this account removed from my file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX RE : Loan Modification Dear Sir or Madam, This letter is to inquire about a Subordinate Note that was haphazardly included in my XXXX Loan Modification with US Bank. In XXXX, after falling behind on payments I would try to catch them up, but as the cycle continued, I modified my mortgage in XX/XX/XXXX because of hardship. My payments were reduced from approximately {$1400.00} to around {$1000.00} which was more affordable. There was no out of pocket costs for the modification, and my term was extended 30 years. I thought the difference in my payment was added to the loan modification which would be captured in the extended term. In XX/XX/XXXX, I decided to apply to Refinance my mortgage to take advantage of lower rates and reduce my term. However, upon completion of a title search I was informed by US Bank that I had a Subordinate lien. I didnt know what that was or that it existed. US Bank did some digging and sent me a recorded Subordination for {$50000.00} with The US Department of HUD which expires the same time as my loan modification in XXXX. I was dumbfounded by the idea, because while I was facing hardship, I wouldnt and couldnt agree to a 2nd mortgage which would have to be simultaneously paid. If I couldnt afford my initial mortgage, how would I afford two mortgages? I dont understand where the {$50000.00} amount came from or why it was created in a 2nd lien XXXX US Bank has indicated that, they took what was owed and put it into a separate mortgage. This seems incorrect, because my missed payments didnt sum nearly that high, and whatever amount I defaulted on shouldve been added to the modification like whats traditionally done. While US Bank noted that Im currently responsible for payments on both mortgages/liens, Ive never received a billing statement from HUD, and the 2nd lien of {$50000.00} does not show up on my Credit Reports. How am I responsible for something that I dont know exists? US Bank has indicated that several customers were confused about these types of loans in the past which is problematic. US Bank indicated that to complete my refinance I would have to either add the {$50000.00} to the loan amount or subordinate it again. I dont know why a subordinate note was done originally, so I dont want it done again. It appears my loan modification was misleading. If I hadnt applied for the refinance, I wouldve never been made aware of the subordinate lien, never paid on it, and later would lose my home to a lien discrepancy. Why was the subordinate note was added to the loan modification and where did that amount come from? If its truly a mortgage that Im supposed to be responsible for, why doesnt it appear on my credit reports? Is it forgivable if the primary mortgage is paid completely? Can the subordinate note be forgivable? Ive attached the documents associated with the modification and subordinate note. Your attention to this matter is greatly appreciated. Best,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A