Date Received: 2021-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a business owner who recently received a personal check from one of my customers. On Tuesday XX/XX/XXXX I called one of the US Bank branches to inquire about cashing a personal check that was written out to me. I rarely take personal checks as form of payment, so I wanted to make sure that the funds were available. I was told by one of the US Bank representatives over the phone that all I needed to cash the check was a government issued I.D . and it would be a {$7.00} service charge. So on Wednesday XX/XX/XXXX I visited the US Bank, XXXX XXXX XXXX XXXX XXXX XXXX. I was being assisted by XXXX XXXX, whom immediately had poor attitude towards me. I only came in the branch to utilize the check cashing service since the check that was given to me was from this bank. The teller was unprofessional and lacked customer service skills. She was adamant on taking my social security number to cash the check. I pleaded with her as to why she needed my social security number and all she could tell me was that this was needed to proceed with the transaction. She was very short with me and could not give me any logical explanation as to why I needed to provide her with my social security number. Please I am very cautious with providing certain information to any business or persons, can someone please look into this very serious matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX. Travel company issue a credit back to credit card because we canceled trip. Amt= {$1600.00} XX/XX/XXXX. I called to request a credit refund. They said they will send a refund check to my address. XX/XX/XXXX Its been 2 months and I haven't received the check. I called company on this date. They said the check was already cashed. I told them i never receive the check. XX/XX/XXXX. I received a formal letter stating that the check was already cashed. I told them that I never received check and for them to open an investigation. XX/XX/XXXX. Called back to ask for status. No one can give me any info. Receive documents for me to sign and notarized to state that I never received the check. sent documents back to card company. XX/XX/XXXX. called back for status of case. They said the " they are suppose to hear back from bank in next day ''. And I should hear from them shortly. Never heard back from anyone. XX/XX/XXXX. called back for status and was given a phone number of Fraud department for me to call. XX/XX/XXXX. called the fraud department number but is was a non-working phone number. called back the regular Fidelity customer service line. and was told a supervisor will call me in 24 hours. I still haven't heard back from card company. Its been 6 months and they are not doing anything to return my credit card refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had a credit card and its associated account through Elan Financial Services since XXXX. My issues are with both. On XX/XX/XXXX I reported my card as stolen. I requested it be replaced, but to date it has not been replaced despite requesting so through their customer service on at least three occasions. On XX/XX/XXXX I was finally told my card would not be replaced because my account had been closed. I did not request my account to be closed, and Elan did not contact me to let me know that I was at risk or that they were taking this action. My credit score has been significantly damaged as a result and so I can not find another credit card company to take my place instead. On at least three instances ( late XXXX, early XXXX, and summer XXXX ) I attempted to set up automatic payments via Elan 's mobile app or by speaking to a customer service representative. These efforts did not work and automatic payments had not been attempted. I was not notified until months of non-payments went through and hundreds of dollars of late fees had accumulated in two of these instances. The third time I was not notified but did notice by myself. On numerous instances Elan has withdrawn the funds from my bank account to make payments ( most recently XXXX, XXXX ) just to return them later and claim that the payments did not go through and assess me a significant fee. I have been monitoring these as they happen and in every case, I do have sufficient funds in my bank account and the payment is listed as " posted. '' I do not have these problems with any other credit card company or other service. I attempted to reach out to Elan on XX/XX/XXXX to resolve all these matters and more but they have proven unwilling to respond even as I was on the phone with them 20 minutes ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been working with US Bank and its representatives, XXXX XXXX NMLS # XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX since early XXXX. They have been unresponsive throughout the process - extending the closing twice, first from XX/XX/XXXX then to XX/XX/XXXX. As of today, XX/XX/XXXX, the loan hasn't closed and despite multiple calls and emails over the last weeks, I have yet to receive a response. Now, since they're not funding the loan ( which is fine with me ), they're not sending a denial letter. This is problematic on two fronts : Firstly, without a denial, I can not receive my earnest money. So, US Bank is ipso facto holding my earnest money hostage by their laziness and incompetence. Secondly, the seller is angry, not only because of the deal falling through - despite no reasoning from US Bank- but THEY can't relist the property with earnest money on the table from this deal. I would kindly ask that Mr. XXXX and his associates as well as US Bank be censured for their lack of attention to their duty - and for holding my earnest money ransom for no apparent reasoning whatsoever. Please give me my money back! Send the denial letter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I tired to pay my vehicle off through US Bank online bill pay. They indicated the creditor XXXX XXXX will only accept paper checks. This is not accurate based on my conversation with XXXX XXXX. US Bank indicated they mailed check number XXXX to XXXX XXXX on XXXX for arrival on XXXX. XXXX XXXX has no record of the check and US bank can not give me an answer where my check and funds are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Okay please help I have honestly given up after contacting every person I could possibly ask for help regarding my issue. After literal months of every day calling nonstop like a full time job I did not recieve any of my money, but I learned, what I believe, to be the worst thing you can do to someone. Give them, " the Run Around ''! I filled out popped r reports, disputes with banks and even contacted the XXXX, FTC, ombudsman, and even the attorney General. Nothing. A flicker of hope tho when I found your number. Now I had an ATM, owned by U.S bank, eat my deposit. Now I am a member with U.S bank, but this was about 2 weeks before I signed up. I was making a cash deposit to my XXXX XXXX XXXX account. Now XXXX XXXX was no help at all. I actually did them a favor by letting them know that they need to update their terms of service because after calling nonstop by the 3rd week they updated the rules and added my exact issue in their rule book, so that solves my problem on their end. I broke the rules, so they can't help me. That should be illegal. Anyway, this ATM is on XXXX XXXX and XXXX XXXX inside an XXXX XXXX. Now, to my detriment, 2 days after this incident the U.S bank branch at this location closed, so all that's left is the ATM. XXXX XXXX would not help me, in fact all these businesses treated me like I was trying to steal from them and made me feel like a drug addict. I actually got very XXXX because this was ALL my money and at the same time I was jumped and robbed for another XXXX a few days before. Sorry I'm just trying to set the scene and this is my last attempt, so I might as well give it my all, right? Moving on, even having a receipt didn't help me. A physical receipt I showed all of them, but nobody helped me. Now, due to time, it has worn away and it's practically useless. I have pictures of the receipt and I also heard there is technology that can bring back worn away receipt paper. XX/XX/20 was the date this happened. Now I tried for months everyday to solve thos, but they all just kept giving g the run around and I started getting the feeling all they were doing was trying to make time pass, so they could either update their terms of service, or wait for expiration dates to pass. XXXX was the time it happend and the ATM serial number is XXXX. The amount of the cash deposit was XXXX. Now I'm not completely positive. But I am positive it was over XXXX. Please help me you don't understand the sheer amount of stress and pain this has caused me. For one I've lost all faith in banks and never thought a bank, or better group of banks would steal from their customer. I can send you the pictures of the receipts, or what's left of them, but please I'm begging you to not let me fall through the cracks and help me get some sort of justice for this. I've never been so ashamed and made a fool of by these banks having to deal with them and just be brushed off as a common XXXX XXXX trying to get some free money... I know I shouldn't, but I have a feeling of hope with this one. Please take this one personally please. Thank you and have a nice day. Also, if you get my money back I will give you XXXX of it. Now please don't think of this as a bribe. If it's against the rules for me to offer and you have to throw my case out then please disregard this last part and just ignore it. Please know where I'm coming from. Thank you and have an awesome day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX, I authorized XXXX to withdraw my {$150.00} transaction for my monthly premium. This month, however ; I was charged twice. I dont have pay day until XX/XX/XXXX, but I am overdrawn in my account now with pending charges. I called my Bank ( USBANK ) to dispute or atop the pending transaction I didnt authorize, but they told me I couldnt do anything until it goes through. I also asked if I was going to be refunded the overdraft fees for my account being negative, and I was told no, because its not the banks fault. So I am going to be negative on my account and get charged overdraft fees for something out of my control. XXXX also said they only see one transaction, so they can not stop any payments. I tried with Usbank and XXXX to fix this before I get charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 571XX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have a XXXX MasterCard issued by US Bank. I have been making monthly payments on it regularly. Recently, as I continued using my credit card I did not realize that I had reached the credit card 's limit. But, instead of declining the card, US Bank allowed the transactions to go over the limit by more than a thousand dollars before stopping. Now according the the monthly credit card statement, US Bank wants me to pay the amount over the limit IN FULL and AT ONCE. I am able to make monthly minimum payments plus a little extra without a problem, but it seems rather fraudulent that a bank will let your credit card go over and then insist that you pay that whole amount in full. Isnt that the purpose of having a limit on a credit card so it stops when you've reached it? There used to be Overdraft Fees by the banks, now it looks that the have brought the same trickery to their Credit Cards too. I am a XXXX. I graduated from XXXX XXXX last month and successfully passed my XXXX. Last year or so, I have worked part-time as a XXXX XXXX and have been on the front line of XXXX XXXX along with my fellow brave XXXX. I have worked and studied very hard to get to where I am and having recently graduated, I am looking forward to start working as a XXXX XXXX myself. Every one calls us Heroes and thanks us for our sacrifices, but blink or get too busy with your job of helping other people or fail to check your bank statements properly, and fall slightly behind in your payments and there is another financial institution ready to take advantage of you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11772
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A