Date Received: 2021-10-20
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Vehicle loan was paid off XX/XX/2021 by check delivered via overnight carrier, together with a letter detailing where to send title and lien release. Nothing was received. Did some research and discovered Florida is an electronic title state, so it made sense that nothing was received in the mail. Planned to sell car in XX/XX/2021 and discovered lien was never released. Have spoken with 3 different US Bank employees, each of which acknowledged the loan is paid off. One said I would receive a paper lien release after 3-5 business days, one said the lien release was being researched, and one said she would talk to some people and get back to me, which she has not done. I have called her and she has not returned my call. 3 weeks have passed since my first phone call to US Bank regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 33967
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: Lost or stolen check
Subissue:
Consumer Complaint: I went to the u.s bank on XX/XX/2021 and deposited my check into the atm and it rejected my check and didnt give me my check back but gave me a receipt so I waited at the atm for awhile too see if my check would come out but it didnt! So I called the number on the receipt which was XXXX around XXXX. The guy I spoke with told me to go to my bank and they would be able to print my check but they told me the would not be able too and that they tried calling that number and nobody answered so I called that number as soon as we left and they picked up within a minute and told me that we could file a dispute but I did not want to do that because I needed the money rn and the guy I spoke to that night told me they would be able to print me a new one the next day and so far I havent gotten anything and I need my money back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89801
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1 ) Fidelity via their contract credit card servicing company Elan Financial, places secret " Remarks '' when reporting to Credit Bureaus which report such secret " Remarks '' to mortgage lenders. 2 ) In my case the secret " Remarks '' are a result of me following the credit card company 's process for filing a dispute regarding a financial transaction. 3 ) In the particular case after repeated filings with Fidelity our dispute was upheld and Fidelity issued a complete refund. 4 ) The dispute arose from a firm which poses as the U. S. Postal Service and charges rates about 90 times higher than the U. S. Postal Service. This firm has regularly received numerous complaints so much so that the USPS.gov issues warnings on its own website. We never received any services from this impostor yet Fidelity upheld the company 's counter appeal two or three times prior to settling the matter in our favor. 5 ) The " Remarks '' reported to the Credit Bureaus reflect only the fact that we exercised our right to file a dispute. 6 ) I tried to have the " Remarks '' removed in a timely manner due to the fact that these remarks are impairing our ability to secure a mortgage in the immediate future. 7 ) Instead of receiving " XXXX XXXX XXXX '' from Fidelity I received a run-around. 8 ) I only was informed of these " Remarks '' due to both initially verbal and subsequently email information available only to lenders and not the credit card holder. 9 ) I have expended over 20 hours attempting to remedy these violations of the Fair Credit Reporting Act. 10 ) XXXX 's XXXX score for me is XXXX yet these " Remarks '' will prevent me from securing a mortgage loan according to my loan processor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 20854
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 with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Some clone my card and was able to withdraw money and make transactions. When I card to report fraud. I was told that they didnt find any errors and I couldnt get my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77086
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My monthly statement charged me a late fee for not paying bill Before XXXX XXXX but payment was made on due date of XX/XX/1921 Don't no exact time but was on that date They say that they have excused late charges before, I brought this problem to their attention several weeks ago, they they would call and let me know if they would take off excessive charges but never got a call.call again today and let them know. I've been with them for 20 years or more.I think with the world in a uproar be with this pandemic they Are being heartless and non empathetic especially to senior Citizens and the man supervisor I talked to XX/XX/21 @ XXXX XXXX Wasn't friendly at all. Shouldn't be a exact time as long as paid on due date
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97211
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Hello I just visited US Bank on XXXX XXXX in XXXX XXXX Im very upset because I tried to open an account online and it said it would be successful pending identity verification I came to the place in person and a security guard was very rude following me around and once I talk to the bank teller she told me that I had an account closed on XXXX Of 2021 the bank teller was very rude and they refused to open an account with me she refused to provide an account number and I will not recommend this to any of my friends
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the evening of XX/XX/XXXX {$500.00} was taken out of my checking account via XXXX. I am a victim of the XXXX Scam that is unfortunately happening now. I called the bank to report the unauthorized/fraudulent transaction that very same evening. I made a report with the banker that assisted me. She transferred me to the fraud department, but it was closed. I called the bank again the very next morning to report that I was a victim of fraud. I filed a report and took absolutely every single action the fraud department advised. I closed my back accounts and opened new accounts. I also changed my email and all information on my XXXX account. Everything that I was advised to do, I did without hesitation. I received a letter from the bank, dated XX/XX/2021, stating the my claim has been denied because the transaction posted as requested. This thief took my money and the bank is stating that I authorized this transaction. {$500.00} is a lot of money. I have used XXXX countless of times without any issues. I have never had to submit a claim for this issue in the past. The one time that I am unfortunately a victim of fraud, my bank denied my claim. I feel so violated and helpless at this point. I need that money. My family needs that money. That person stole from me. This transaction was not authorized by me. Someone please assist me with this. I would gladly take whatever additional steps I need to take to ensure this thief never violates me again and that I receive my full refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I called in to request mortgage assistance. At this time my XXXX or XXXX payments had not been made and I know I needed help. I had already had one 30 day late reported to my credit and didn't want to go 60 days late. In XXXX we had come down with XXXX, us and our XXXX kids for almost the entire month. That put us behind on everything. Mortgage companies have been helping people with this. I called in and went over everything that happened to put us behind and all our financial information and she said that we could put our loan into forbearance until XXXX. She tried to get our current late payments waived but they weren't able to do that. I was happy just to have some relief to help us get caught up. I accept the forbearance and we hang up. In mid XXXX, I get a threatening letter stating my account is delinquent and failure to bring it current will result in foreclosure. This wasn't making sense to me since I had just put the loan into forbearance. I called in again ( waited on hold for about 45 minutes ). Finally got someone on the phone. Told her what happened and she kept asking if I wanted to extend my forbearance. I explained to her that I called in and last month and it should be good to XXXX. I shouldn't need to extend anything. She said I wasn't currently in forbearance. She then put me on hold and looked into it. I guess they weren't going to start my forbearance until XXXX. I don't understand why since my hardship is right now. Now I have 2 mortgage lates on my credit and additional late fees. She also was semi laughing at my problem and didn't want to be helpful. I asked her to please explain if my forbearance starts in XXXX, what happens with my XXXX, XXXX, and now XXXX payments that weren't made. Do they get included in the forbearance or how does that work? She couldn't or wouldn't explain it to me. She then hung up on me. There was no attempt to call me back to help get my issue. So again I call back in and wait on hold for 48 minutes. I finally get someone helpful on the phone that says my account unfortunately had a system error or is stuck in the system and it's not showing the forbearance on their end. He put in a request to get it fixed but wasn't able to tell my any further information other than to call back in 5 to 7 business days. I'm told that unfortunately they can not help me resolve the mortgage lates on my credit or waive the late fees. Neither one should of happened. I'm trying really hard to be patient and wait the 5 to 7 seven business days for them to fix their system error and then for me to call back in, wait on hold again, and then possibly find out why they didn't start the forbearance until XXXX and what will happen to the now 3 payments that I'm behind. Will I get to keep my house? Who knows. I feel that they do not care and are not helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: US Bank is still calling me several times a day. I have filed bankruptcy and my lawyer said I do not have to talk to them at all. They call and send letters
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received a letter from US Bank dated XX/XX/. RE : Account XXXX ending in XXXX and Case Number : XXXX that my account was being closed and if there was a positive balance, a Cashiers Check for {$240.00} would be mailed within 15 business days once all previously deposited items have been verified. US Banks investigation was completed on XX/XX/. On XX/XX/, I called the U.S. Bank, Branch Operations Manager of XXXX XXXX XXXX XXXX and asked when my funds for {$240.00} would be mailed? XXXX XXXX said not for at least 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A