Date Received: 2021-07-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: After filing a complaint yesterday that US BANK will not do their part to allow me to make my payments again. Ive called twice a week for the past 5 months. First they lied about a flex modification. Now, they wont let me file for deferment. They have told me since XX/XX/XXXX to call back weekly so that I could file for deferment. Today, XX/XX/XXXX I called to see if the fraudulent flex modification was removed as I requested back on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Which was finally removed on XXXX. I was told on XX/XX/XXXX it would take 7 days. So what happened?? As of today I was just told that brocade I filed a complaint I would not be able to file for my deferment until XX/XX/XXXX. This is ludicrous and unethical practice. US BANK continues to hold my mortgage hostage while I have been begging to go back to making my payments. They are telling me I can not enter the deferment program until after my complaint closes on XX/XX/XXXX. How does this make sense? Im complaining this is taking too long and they drag it out further??? I was also told today that once they file the deferment on XX/XX/XXXX it will take two months before I can start making payments to enter the program. I began this process on XXXX of XXXX and planned to begin making payments again in XXXX. I even made a good faith payment and the lowered rate they laid to me about. How is it that I am begging and calling the bank twice a week to try and make my payments. Why will it take 2 more months for me to enter a three month program which I should have already completed it US bank account as doing their job. Does the FCPB provide legal counsel? Who can help me? My eights have been violated and this ban should be sued!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Gift card purchased on XX/XX/2021 at XXXX, XXXX XXXX XXXX, XXXX, and loaded with {$500.00}. First tried to use at pet store in XXXX XXXX, ( XXXX XXXX XXXX ), on XX/XX/XXXX but magnetic stripe would not read, so just used different card and assumed problem with card reader. Tried to use at XXXX 's gourmet meats on XXXX XXXX on XX/XX/XXXX, but cashier said not enough balance available. Immediately went online to check card balance and saw there was a transaction on XX/XX/XXXX for {$490.00} at a XXXX in XXXX, Ca. at XXXX that same day. Called visa gift card company to file a dispute and called credit card company used to pay for gift gard, XXXX XXXX, and reported fraud. It seems card was tampered with before it was purchased at XXXX in XXXX ( they are accessible to customers ), and card was cloned and used in person by perpetrator at XXXX in XXXX once they saw available balance. After countless hours spent on the phone with Visa, XXXX, XXXX, police department etc visa dispute department have finally issued replacement card and sent letter on XX/XX/XXXX stating it was an error ( which is wrong, there was no error, there was theft ) and the amount was credited back to me in the form of the new visa gift card that was registered to my name. Ive received new gift card on XX/XX/XXXX which wasnt active. Called visa, for some reasons they told me to wait 5 business days for the card to get activated. They also mentioned that I can check this information online. I called again on XX/XX/XXXX since the information online was unavailable to me. They told me to wait till XX/XX/XXXX which would mark 5 business days and the card would definitely start working. On XX/XX/XXXX XXXX as my card is still inactive ) I called visa again. Was now given another number to call which is XXXX XXXX XXXX XXXX XXXX and told that they would be able to resolve the issue. When I called I realized this was XXXX family meaning XXXX. After I was able to get someone on the phone was told by XXXX representative to call visa at XXXX XXXX XXXX XXXX XXXX because visa is the one who issued and mailed my new gift card and they are the ones who should be able to help me out. So I called this number given by XXXX and again I was told by visa to call XXXX. I mentioned that I already did and they told me to call visa because they have nothing to do with the card issued by visa and not purchased at their store. Then I was put on hold, after representative came back I was told that there are actually no funds on the card any more and the decision was reversed. I asked why was the decision reversed, where was my paperwork with the explanation of why the decision was reversed and what was it based on after the initial letter stated that my account was credited {$500.00} and the dispute was considered resolved and the case closed. The representative on the phone then involved supervisor who now said that XXXX is the one who took the money out from the second gift card issued by visa on XX/XX/XXXX. I asked how was it even possible and how do they even have the information if they have never been in the physical possession of this card ( since it was mailed to me XXXX and the supervisor replied that they just do have this information and I have to call XXXX and resolve it with them because visa cant do anything about it. Thats all the information they have. I was also told that XXXX would be able to reload the card ( even though it says A ) the card is non-reloadable and B ) why would XXXX reload the card that was issued by another institution? Its equivalent of going to XXXX and asking them to reload XXXX XXXX credit card! ). What kind of nonsense is that? After that I called XXXX for the third time that day and told them exactly what visa said ( that XXXX took out my money on XX/XX/XXXX ). The representative at XXXX explained that there is no way for them to have this information since the gift card was issued and physically mailed to me by visa, it wasnt purchased at the store. The card is also registered to my name and XXXX has nothing to do with this situation. They also said that visa notified them that they issued a replacement card for me and closed the case since the issue was resolved and I said it isnt true, because the issue isnt resolved, I was mailed replacement card that isnt working, I was mailed a letter by visa saying my account was credit the amount that was stolen from me except I still dont have my money and both XXXX and visa keep blaming each other. Although at this point it appears to me that XXXX is correct and they have nothing to do with the gift card that was issued and delivered by mail by visa. It also makes no sense why would the card be even active on XX/XX/XXXX? According to visa once I receive the new gift card I would have to call them to active it ( which is how pretty much every credit card works once you receive it in the mail ). So if I havent received the card until XX/XX/XXXX and it was inactive on XX/XX/XXXX and is still inactive as of today, XX/XX/XXXX, how was XXXX able to withdraw the amount on XX/XX/XXXX even if they somehow magically were able to get a hold of my new card? I called visa one last time on XX/XX/XXXX in the evening and the person on the phone gave me the number what he claimed to be their higher department. This was XXXX number again! I said you dont even know that the number you are giving me isnt your higher department, how would you even know what is going on with my case? Asked for supervisor one last time and now was told that they escalated the issue again to their back office, the one who said to call XXXX. I asked to talk to that back office or at this point anybody else who could tell me what is really going on? Supervisor said I cant talk to these people, all they can do is escalate this matter again which is going to take another 5 business days. Also considering their track record how do I know in 5 business days they wouldnt come up with some other excuse? At this point Im so frustrated and fed up with inconsistency and lies. This people shouldnt even be in business if this is how they handle theft. I would like visa to mail me new gift card ASAP that is registered to my name and is actually working with available {$500.00} on it ( the amount that was initially stolen from me ) rather then playing these games instead of doing the right thing while the scammers are running free. It appears to me that at this point after the dispute was resolved and the new card issued, the problem is with visa department, they issued the card that is invalid. Since there is no higher department I can call, no number other then the one Ive been using ( provided in this complain ), no follow up email ( in 2021 this company only uses fax or USPS ) I have no choice, but file a complain. According to visa the issue was resolved and the amount credited to my account on XX/XX/XXXX, yet today is XX/XX/XXXX and nothing is resolved and my money is still missing. I also would like CFPB to look more into this because of what this company does to the consumer. Is there actually fraud going in within visa itself? How many more people are going to become victims of this ongoing scam and how much more money would be stolen from law abiding citizens?? These are the reference codes for my conversations : Visa case number - XXXX XXXX code - XXXX ( at the beginning in the dispute ) XXXX XXXX digit code - XXXX XXXX reference number from the conversation on XX/XX/XXXX - XXXX Attached is also all my paperwork filed with them and police report. Please let me know if you need further information. Thank you for your help. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: They give me. Whats time when applying fir the card first they said they need my identity license and social they put it on holf they said I qualify fir the card but wont send me anytning its so annoying and frustrating how they are
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter, dated XXXX/XXXX/2021, from US Bank, XXXX, ND XXXX, which stated they had received an application for a credit card with my name and personal information. The application was received on XX/XX//2021. The address on the application was XXXX XXXX XXXX, XXXX, VA XXXX, which is not my address. I called US Bank today, XX/XX/2021, and informed them I did not apply for the credit card. They are going to report the application as fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79602
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX Cases XXXX & XXXX I Suffered a Major XXXX, In the Current 3-4 years of Medical Recovery, my Sister was assigned my CARETAKER, I Lived with Her My House was 99 % Mainly Vacated. The XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX who GIFTED The XXXX XXXX XXXX via a TITLE Transfer of Said Property as a INDIVIDUAL GRANT DEED in my unmarried man NAME This real estate documentation have been LEGALLY RECORDED at the XXXX XXXX County Clerk Recorder 's Office of the State of California for the last twenty-one years ... During this time of House Vacancy the XXXX XXXX XXXX XXXX with Other Associates Executed a A CRIMINAL TAKE PROCESSION of my real estate Property via SERVE CIVIL FRAUD for PROFIT.. They are ILLEGAL TENANTS, UNDER FRAUDULENT ACTIVITY RENTAL-LEASE agreements and my Single Family House is being ILLEGALLY RENTED-LEASED, AS DUPLEX UNIT .... This is also my Brother permanent Place of Residency ... .thank you
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: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Elan Financial Services, I have contacted them directly spoke with XXXX XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX XXXX XXXX. I have disputed this many times as well as to credit bureau. XXXX XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with XXXX XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. XXXXXXXX XXXX XXXX XXXX - I have no clue what this account is and it was written off as bad debt. I have tried to contact the XXXX number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. Judge ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. XXXX - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the XXXX number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: We closed our account on XX/XX/XXXX over the phone. We were told we would receive our funds, {$51.00}, by check in the mail. The check never arrived. On XX/XX/XXXX I called the US bank customer service line to let them know we have not received our funds and to request them. I was told to wait 90 days to get the check in the mail. In XX/XX/XXXX I visited a local branch and spoke to a US Bank client consultant who said he was goint to investigate an get back to me. He called me back about a week later to tell me he was unable to help me and that I should call the customer service line or wait the 90 days. I never received the check. On XX/XX/XXXX I called the US Bank customer service line. The agent could not give me any information regarding our funds, nor could find any information that a check was issue to us. After being transferred back and forth to diferent agents, finally a representative opened a claim for me and said I would get a response withing 10 business days. I never got a response. On XX/XX/XXXX I called to inquire about my claim. I was transferred and nobody could give me any information on the status of my claim. I was told someone will call me back, but nobody did. On XX/XX/XXXX I called again to inquire about my claim. I was told the system was down and was transferred to another line. No one picked it up, so after several minutes I hung up. I called a local US Bank branch to make an appointment to speak to a manager. They told me an appointment was not necessary, they will send an email to US Bank on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
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: My second email below was sent to Elan Financial via postal mail today. It reads as follows : Dear Sir or Madam, On XX/XX/XXXX, I put charged a deposit of {$100.00} on my FidelityRewards VISA ( serviced by Elan Financial ) towards the purchase of a XXXX XXXX XXXX with a initial contract of {$60000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX contacted me that the price would be in excess of {$96000.00} and offered a full refund. I processed the cancellation order on their website, but have never received the refund of my deposit. I earlier contested this charge through Elan and they just sent back the original copy of the contract showing the 3 day right to Cancel in California and my execution of the contract. XXXX made no mention of this 60 % price increase or their offer for me to cancel / receive a refund. Clearly the deposit can not be held by XXXX when they so drastically changed the pricing. The employees who originally serviced my accounts are no longer with XXXX and my account on their website has been disabled. I can not retrieve the revised contract. There is no mailing address offered on XXXX website to send formal correspondence. I am also contacting the CFPB for 1 ) Elans poor investigation into the matter and 2 ) for XXXX deceptive business practice. I should be able to log into my account and see the correspondence and history of the matter. XXXX XXXX Encl : Original Contract Pricing XX/XX/XXXX Emial notification from XXXX notifying of contract price increase and offering deposit refund.
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: 2021-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have had several issues with US Bank. This will be my second complaint. I called on XX/XX/2021 to remove my less than comparable flexmodification. They mislead me for 3 months with a lower interest rate and then told me my XXXX ratio was not where they prefer. Mind you they have all my loan numbers so I have not idea why they are offering the assistance they can not faciliate. I followed up with the bank on XX/XX/2021 they expressed that the removal of the modification I requested on XX/XX/2021 was not filed correectly. I asked them to remove it AGAIN. I called back on XX/XX/2021 and was told that the removal was still not filed. They continue to tell me to call back the following week every week. This has been ongoing since XX/XX/2021. I followed up again on XX/XX/2021 and was told AGAIN that the bank would not be able to allow me to start making my payments. I have been trying to make my payments again since XXXX. I am so frustrated and the bank refuses to help me. I continue to receive apology letters, yet no one will get my mortgage straightened out. The bank has lied to me and misfiled or NOT filed my paperwork on so many occasions that I feel this is malicious and intended to drag out my HIGH-interest rates!!! I could have already been through the " hardship '' plan which would be a three-month agreement I would have completed by now. US BANK is being nefarious and they are doing this on purpose. I have had a multitude of managers say they would call me or help me and no one will call me back. It is now XX/XX/2021 so it has been five months since I started calling the bank trying to find the best solution to begin PAYING MY MORTGAGE AGAIN. They refuse to do their jobs and process my paperwork. I have requests four times to have the modification they lied to me about and try to shove the same high-interest rate at me after telling me on two separate occasions I prequalified for 3 % interest rates. I have begged to go back to making my regular payments now that I am back to work but the bank refuses to do so. I made a good faith payment back in XXXX at the modification amount but they refused to properly apply for the money. Then in my last complaint, they indicated the money would be used to help lower my payments. Yet, they mailed that check back to me and it also means they did not modify my loan they used a payment I made in good faith for the new payment amount to lower future payments and call it a flex modification. I appealed the modification. I asked numerous times to remove the modification. I DO NOT APPROVE. THIS BANK CONTINUES TO NOT ALLOW ME TO MAKE PAYMENTS BECAUSE THEY WILL NOT PROCESS MY PAPERWORK. THIS HAS BEEN SINCE XX/XX/2021. I am beside myself with stress and anger! WHO CAN HELP ME?????????????????? See previous apology letter and still no resolution on the bank 's part. As you can see I keep trying to get this resolves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: US Bank issued a card in my name in relation to a fraudulent unemployment insurance claim in WI. Fraud claims have been filed with the CFPB and on the US Covid Fraud complaint site. Until XX/XX/XXXX, I was unaware of the fraud, after doing a change of address with the USPS in XXXX I got a notice about the overpayment. On Monday XX/XX/XXXX, after calling WI XXXX about the fraudulent UI claims and finding out the payments were deposited in my name at US Bank called US Bank to report the fraud to them. I found out that the funds were on a US Bank Reliacard at which point the representative attempted to transfer me and we were disconnected. After calling back and getting connected with Reliacard and explaining the fraud I was placed on hold so that the representative could cancel the card, again the call disconnected. I did not receive confirmation of closure of the card. Later that day I received USPS mail notification of mail from US Bank. This contained a request from US Bank ReliaCard requesting I verify my information using a picture of my non-expired government ID and a selfie. And asked to provide it to an electronic service that is only usable via smartphone or tablet. Additionally, this communication was sent to a different address than what US Bank would have had on file and no phone number was provided to contact the Cardholder service department. No mention of this was made in my call on XX/XX/XXXX with the US Bank representative and the letter was dated XX/XX/XXXX. It seems very risky to me that any service provider would not have verified information for a full year on an account with active card and deposits. It seems none of the involved parties verified my identity and as such my financial information is out there with all kinds of unknown communication having been sent to this fraudster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A