Date Received: 2021-10-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received a US Bank Reliacard that I did not apply for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I was approved by my XXXX church for assistance through them and was given a check by XXXX XXXX for my mortgage I went to US Bank XXXX XXXX XXXX XXXX XXXX, AZ XXXX at approximately XXXX XXXX. And was told I couldn't pay my mortgage due to being on forbearance and was advised to call and request to be taken off forbearance. XXXX XXXX I called US Bank XXXX XXXX mortgage department and spoke to a representative that was very rude and I got into a verbal confrontation with and I ended up cussing at him then regained my composer and had to ask for his Supervisor at least 20 times before he would put on the phone ( I have this recording as well ) his Supervisor got on the phone and told me u was not in forbearance I was in the stage right before that but assured me that he was taking care of it. So again I went into US Bank and attempted to pay my mortgage with the check I got from my church. Again I went to the teller and was told I couldn't make the payment due to being in forbearance and was instructed to call the home mortgage depot which I did and was instructed to give them the check routing number and account number to pay over the phone and was instructed that my forbearance was taken care of but it would be approximately 30 days before it would update in the system. XXXX XX/XX/XXXX. I was just checking all my accounts and when it came to the US Bank account I noticed that my mortgage account numbers were off so I clicked on the account and saw that the payment was reversed. So I went into the branch on XXXX and XXXX in XXXX AZ. And spoke to XXXX who made a call back to the mortgage deposit I talked to XXXX employee i.d. # XXXX who advised me that I needed to speak to a senior account representative before I could speak to a supervisor so I did and I immediately told him turn me over to a supervisor and that when I was put on the phone with Gaberial out of XXXX CA I.D . # XXXX who was very rude and told me I have to talk to a loss mitigation specialist so I asked to talk to his boss to which he said there is no one above him at that office and I would have to file a complaint. He got back on the phone with XXXX and about 30 minutes went by and I was put back on the phone with XXXX i.d. # SVN who was in loss mitigation the retention department and she advised me that who ever I talked to before didn't take me out of forbearance she had to just put in her code and I would be taken out but I would be 5 to 7 business days before I could make a payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I made two purchases from XXXX, one was cancelled ( {$150.00}, Refunded XXXX ) and one was refunded ( {$57.00}, Refunded XXXX ) using my US Bank Debit Card. On XX/XX/2021 both of the refunds were taken out of my account by US Bank by a " Forced Post Adjustment ''. There were no disputes for either amounts and no " Provisional Credits '' were credited to my account. Both amounts refunded were theft/fraud/stolen from my account at US Bank by US Bank . For the past two days I have been on the phone with Customer Service and the Fraud Department for around five hours, being transferred from one department to another, back and forth, and have been by a US Bank branch office and only been able to open a dispute that I do not believe will go anywhere with getting my money that US Bank stole from me back into my account. Look at the attached documents. I have all of the proof..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unacceptable business practice from US Bank. US Bank placed a lender-bought wind insurance retroactive for XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX. When I called US Bank and spoke with the representative to question if they require wind or hurricane insurance, they could not answer me. The first letter I received from US Bank stating they required hurricane insurance was on XX/XX/XXXX and I bought hurricane insurance on XX/XX/XXXX ( next business day ). US Bank did not refund my full {$5600.00} and refunded {$4300.00}. US Bank 's stated in their letter that on XX/XX/XXXX a representative told me on the phone that I needed hurricane insurance on when I called their customer service line. What kind of unacceptable communication from a bank is this? I remember calling a US Bank representative on XX/XX/XXXX and he said they will not refund me and hurricane is required. I asked him if he can send me a letter from US Bank stating that I need hurricane insurance, he said he can not send me a letter. Then I talked to another US Bank representative after XX/XX/XXXX, and the representative did not know whether or not I need hurricane insurance or not. She said she would get back to me by voicemail after she speak with her supervisor, but she never got back to me. The first written letter I received from US Bank that stated I need hurricane insurance was on XX/XX/XXXX, and I purchased the insurance on the next business day XX/XX/XXXX. I am requesting the the remainder amount {$1200.00} of the lender placed insurance to be refunded due to US Bank 's poor communication and multiple confusing letters asking for wind insurance, which I had. I received the first letter from US Bank on XX/XX/XXXX ( through the complain on CFPB ) asking for hurricane insurance and purchased hurricane insurance the next business day. I request refund of {$1200.00}. As a borrower and consumer, I was not trying to avoid insurance or under coverage. US Bank had poor communication and no clear written notice to borrowers. They had poor customer service, they refused to acknowledge their confusing letters and did not provide written communication to borrower when asked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96826
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The online bank system at US Bank was changed some time ago and does not work properly or in a way that is easy for a customer to use. They now use the system as a way to make a profit by suggesting consumers pay a fee of {$14.00} to pay a bill by a certain date. They constantly have a waiting circle when going from one place to another on the website. About a year ago, they did have a system that seemed to work based on ease of use to the consumer. Now I think they have changed it as a way to purposely confuse consumers into paying fees to use their system. I can not see past payments I have made to particular billers in the bill section like I could in their bill pay system a year ago. I believe companies including banks are using their websites to make a profit for themselves rather than simply helping consumers pay their bills with ease. This needs to be stopped and should not be tolerated. The online bill pay system for US Bank is purposely made for their own advantage, not for the customers. Instead of fixing the online system, they constantly ask for surveys from their customers even when they must already know this bill pay system is not working for the customers benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a US Bank checking account on XX/XX/2021. I completed the necessary direct deposits transaction within the given timeframe of 60 days of account opening to receive the promotional {$250.00} bonus from the bank. After completing these necessarily steps and waiting the 60 days for the bonus to show up in my account, I have received nothing. I have heard of other consumers having this problem as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The credit card account was agreed by myself and US Bank to be placed into a hardship status repayment plan. The agreement to participate in the Hardship Program requires that my bank account have the monthly payment automatically taken directly from my checking account which has been transpiring since XX/XX/2019. During the initial onset of COVID-19 I did request a one time payment forbearance. My compliant is that US Bank, did not inform me a payment made after the XXXX would be reported to the Credit bureaus as payment made late. I asked that the payment be taken from my checking account on the XXXX of each month however my bank statements all reflect US Bank went to my account later than the XXXX of each month and reported to the credit bureau payment made, but anywhere to 3 to 5 days late. I've called and discussed my concern about how my payment was being reported late to the credit bureaus with regards US Bank hardship program. I did in fact change the automatic debit payment to the 15 of each month and my bank statement reflects US Bank didn't go to my account until the XXXX of this month. US Bank has not provided written documentation that US Bank is now going to my checking account on XXXX of each month. I also asked US Bank for written documentation of the current account status in terms of what the current balance is and that payments history and US Bank has not provided the requested information. The request for account status written documentation is needed for verification of security clearance for a government XXXX job position I'm currently moving forward to obtain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
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: I purchased as replacement for a lost XXXX XXXX XXXX XXXX XXXX earring on XXXX pair advertised as the same ( see attached ). Upon receipt, it was immediately obvious the earrings I bought from the seller were fakes. I contacted XXXX XXXX Corporate ( " XXXX '' ) who confirmed that the seller was unauthorized to sell authentic XXXX XXXX ( see attached ). XXXX 's policy is to return the purchased item to the seller, but as a practicing lawyer I can not because knowingly transporting fake or counterfeit items through the mail is a felony. I contacted XXXX XXXX ( " XXXX '' ) fraud department to report the purchase and they provided a provisional credit. I completed their application ( see attached ). First they claimed they never got it but retracted that lie when I showed the 22 page fax confirm as proof I indeed completed the application and did so on time. The fraud dept. next insisted that I provide additional " proof '' that the earrings were fake. At law, proofing a negative is impossible. XXXX knew that XXXX does not authenticate items and that XXXX authorized dealers are forbidden by their insurance carriers to provide documents stating that items are counterfeit or fake due to liability. So XXXX knew or should have known that the additional and unnecessary proof was impossible. They already had sufficient proof as follows : 1 ) the fake earrings in the pictures are OBVIOUS fakes, not even a good copy side by side with the authentic earrings ; 2 ) XXXX XXXX XXXX stated that the seller was unauthorized to sell XXXX jewelry ; 3 ) XXXX stated it would provide a refund without argument 4 ) XXXX suspended the seller and 5 ) most importantly, my history with Peoples XXXX Bank over 30 years as an attorney with a business account and personal account ( s ), this was my only report of fraud ever. Nevertheless XXXX delayed a permanent credit until XXXX withdrew the refund offer because I missed the deadline trying to full the impossible demands made by XXXX who already knew I could not fulfill the demands. Peoples XXXX Bank, despite our long term relationship, did nothing to advocate except " kick the can '' and pass the request back to XXXX to reopen the case. So XXXX reopened the case. Even so, WHILE THE CASE WAS REOPENED, XXXX charged me {$80.00} in " late fees ''. ( see attached ), a disgusting swine move! XXXX is hostile to customers not helpful and XXXX has knowingly aided and abetted XXXX and the preditory seller in perpetrating fraud and selling fake jewelry. This is evidenced by XXXX 's latest letter denying me a credit on my card when ; they were provided pages of proof that any court of law would accept as evidence. And believe me I shall file suit in court against XXXX. XXXX is as dirty as XXXX and the seller. As an addendum, I'm happy to learn that Peoples XXXX was purchased by XXXX XXXX XXXX XXXX and that most of the corporate waste of space executives, including the president, XXXX XXXX, who did not advocate for a thirty year customer are being FIRED and replace by XXXX XXXX XXXX XXXX employees. Just desserts!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2019was having some personal problems so I called Elan Financial and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A