Date Received: 2021-09-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX, U.S. Bank charged my US Bank Cash + credit card account {$6.00} in monthly interest. I was puzzled, as I had held this card since XXXX with all monthly balances paid in full. The matter grew worse when I went online on the PC desktop website and was unable to edit the amount of the monthly auto-pay, which was locked to pay less than the full amount. When I called US Bank customer service earlier today, XX/XX/XXXX, I was kept on hold for an interminable time, and had to connect first with a CSR, then a banker, and finally website technical support who opened a ticket and promised I would hear back from them within a few days. It is illegal to charge someone interest against their will and the bank was unable to even identify the root cause issue, beyond promising to research. This matter needs to be promptly remediated and the bank punished for its lax financial controls impacting household income. It is entirely possible that this issue is not limited to a single account or household. I also want to make sure that the current interest amount is refunded in full and this issue is permanently corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Attempted to make payments on credit card but fell behind on payment s .After XX/XX/21 After financial hardship could not make payments. Had to put all finances toward Mortgage, car payment, and insurance and utilities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: AFTER paying a {$390.00} application fee on XX/XX/2021, for a mortgage refinance to US Bank, I was informed that the fee is non-refundable. A full 2 weeks after the fee was collected ( XX/XX/2021 ), I received a file of dozens of pages of documents to sign in which I discovered, buried somewhere in the middle, that the fee is non-refundable. Moreover, it was not until 3 weeks after the fee was collected ( XX/XX/2021 ) that I received the disclosure stating the application fee " may not be '' refundable on which appeared my husband 's signature, BUT NOT MINE. According to US Bank, he is able to enter into a legal financial agreement for which I am also responsible without my consent. We have asked US Bank to return the fee to which we both did not consent, but most importantly to which THEY DID NOT DISCLOSE TO BOTH RESPONSIBLE PARTIES THAT IT " MAY NOT BE REFUNDABLE '' UNTIL AFTER THE FEE WAS COLLECTED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80132
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Had a checking account for 3 months at US Bank. On XX/XX/2020 a friend transfered money directly my account which triggered a XXXX investigation which was negative. The Bank closed my account as i was told in XXXX and they said that they would return friends XXXX but it could take up to 6 months because of COVID ( the transfer was to pay for my Moms funeral due to XXXX ) After close to a year he still hasn't got his money Yesterday when I went to the Bank with Him the bank said that they could take as much time as they wamt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95240
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is ELAN FINANCIAL SERVI FOR {$14000.00}. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ELAN FINANCIAL SERVI opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. ELAN FINANCIAL SERVI HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage was put on a covid19 forbearance beginning in XXXX of last year because I lost my job due to Covid. I was ahead on the loan and even paid one payment after I lost my job because I hate not paying bills. XX/XX/XXXX, I called because I got a job and also knew my last eligibility month was that month. The person I spoke with did not give me all of my options I was eligible for for repayment, so I ended up hanging up and speaking with an escalations team XXXX XXXX. She was able to provide me with two viable options, and I picked the combo partial claim modification in which my escrow shortage was applied back into the loan and the missed payments were sent to HUD with a second lien ( which I am very angry about, but had no choice ). She let me know that they'd send paperwork for me to sign and have notarized and once they got them back, my loan would go into admin status and be due XXXX, and that I should NOT make a payment until the new payment is processed. I did what they requested, and then on XXXX XXXX, they told me the stamp was somehow illegible from the notary and they'd resent paperwork. It took me about 3 hours total of hold time to get someone on the phone to find out why, because when they called, they didn't leave a message and I was at work trying to pay for the house. I have XXXX XXXX XXXX so I knew ahead of time what they were sending. The letter enclosed just said " there's a problem with your documents. '' Didn't specify what the problem was, just told me to redo the paperwork in hopes of not making the same error. I finally was able to figure it out, and they said they'd have a mobile notary contact me. The second set of paperwork was due to them XX/XX/XXXX. NO ONE called until that night when I'd already had to pay a second notary. I'd called US Bank multiple times and reached out on their social media to try to get a different notary called and was not able to get anywhere with them. I had the documents there XX/XX/XXXX, and had to call XX/XX/XXXX to see if they had looked at them. They had not, and today is the XXXX and they STILL have not looked at them, even though I had to jump through hoops to get the second set back to them. I am very upset that it is like an act of congress to get anyone to speak with me. I had a Mortgage assistance provider assigned to me at the very beginning of the forbearance, XXXX pointer, and have yet to get any emails back from her or phone calls from her. Now, they're going to cause me to be another month delinquent because they told me not to make any payments, but they have NOT put the loan in admin status despite the paperwork being received. They're literally the worst customer service. I have been speaking with XXXX from their social media team and even HE can't get any answers for me. He is the only person from their team aside from the lady I spoke with XXXX XXXX who is worth anything as far as communication goes. He has probably spent an equal amount of time working to get me answers and can not. He himself opened a customer advocacy complaint with them, and those people just don't care. I am at my wits end here, because I am literally TRYING to pay this mortgage and they're sitting on this paperwork that I've now paid to have notarized TWICE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73505
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was confirmed successor in interest for a mortgage in which the original borrower was deceased. I applied for the mortgage assistance program as requested by the bank, and was set up on a trial payment plan to begin the loan modification process. Upon completing the trial payment plan, I was asked to provide additional information, and advised over the phone that i would not need to make another payment until XXXX. On XX/XX/XXXX, I attempted to login to submit the documentation that was requested of me, and I received a notification that my account was XXXX. Upon calling US Bank, I was told that I was not Successor in Interest, and that my information was no longer in their system, and the customer service representative was no longer allowed to communicate with me regarding the status of the loan. I was told multiple times on a recorded line that foreclosure would not take place since I made the trial payments as a confirmed successor in interest, and that a loan modification would be provided to me without issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A US bank prepaid card with {$100.00} was under my name by someone I know. They used my name and my personal information to get this card. i did not consent or know anything about this until i got mail with my name on it about this card. the card doesnt expire until XX/XX/23. and the person hasnt used it yet cause they didnt know i have the mail about this card. i have never used a debit/credit card in my life. this person already has me in a lot of debt, i dont want to deal with more of this type of stuff.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX XXXX I got ready for work. XXXX I check my US Bank account it has XXXX dollars in it, thats fine Im waiting to get paid around XXXX so my insurance can get taken out with no problem, XXXX I check account, XXXX thats fine Im about to get paid its gon na even out here in 10-15 minutes. I work till lunch and I check my account and they took 4 overdraft fees of XXXX dollars each, thats {$140.00} total for the 15 minutes it was negative. Ive called them multiple times and they only refunded me back one overdraft for XXXX dollars. They took the rest of my money, I had just paid insurance and they left me with XXXX so I had to get a loan of XXXX dollars from the XXXX app jus so I wouldnt get anymore overdraft fees and I pulled my stocks just to be safe n have money in my account. None of these went into action until the 17th so for them to take my money and not give it back makes no sense I would understand if I was days late but it was 15-30 minutes I dont understand. And when I look at my account it doesnt even say it was negative, I had made sure everything even out and I never over-drafted, I had deposited money into XXXX and I made sure I didnt overdraft and thats how was left with the XXXX dollars. I knew I was getting paid and and was like okay its all on the same day itll cancel each other out no problem then my account will be up again but that didnt happen. Just doesnt make sense
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
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 had a loan for a travel trailer with US Bank. I paid the loan off early. I have requested a release of lien so I can register my trailer. I have called US Bank at least six times to request the document. The first time I called I was advised I would have to wait twenty six working days to get the document. It has been over 90 working days and over five phones calls and I still have not received it. US Bank is refusing to send me the the release of lien. This has been going on over 3 months which is totally unacceptable. XXXX has my title but will not let me register the vehicle without the release of lien. XXXX stated that banks normally fax the release of lien to them, I called the bank from the XXXX office twice and they refused to fax it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 873XX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A