Date Received: 2021-06-25
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 signed up for service in XX/XX/XXXX for a one-year program. There was no mention of any automatic renewals. When I saw this charge again on my XX/XX/XXXX statement for yet one more year of service, I called them to cancel. They told me there were no cancellations and that I would have had to contact them in writing XXXX days before my scheduled renewal date to not be re-charged. I opened a dispute on my card, and XXXX XXXX XXXX XXXXXXXX sent them a bad photocopy of their terms and conditions stating " no refunds ''. My claim with XXXX was denied. I then opened a fraud claim, since I did not in fact authorize that merchant to charge my card without my consent in XXXX. The fraud case was denied since it was a merchant I had already authorized in XXXX. My argument falls on deaf ears with my credit card company, and they are choosing to side with the service provider instead of their cardholder. I asked to see anything in writing that I signed or consented to, or even a recording of my voice consenting to automatic renewals. If someone can produce my agreeing to this service, they would have a case. Instead they are just taking the word of a shady internet company and refusing to remove the {$500.00} charge, and the merchant has refused to cancel the service. It's been a nightmare and not good business to side with the merchant with no proof whatsoever that I consented to this charge. XXXX has been terrible about handling this, just pushing it from one case processor to the next, and not calling or mailing me anything to let me know how the case is going. I have not ever had the chance to speak directly with a case processor, and have only been able to leave messages through the agents on the phone to give to them. I would like to also shed light on the way they have handled my case. For a timeline of events, this dispute was denied by my credit card in XXXX. The case was reopened on XX/XX/XXXX after I called to get a status update only to find out it was denied one month prior, with no one properly informing me ( stated there were messages left on my machine, nothing mailed to me in writing ). After reopening it in XXXX, I waited until XX/XX/XXXX to call again, only to find out that they could do nothing for me, that XXXX XXXX XXXX XXXXXXXX had every right to automatically renew me, and on that day I was connected to the fraud department who assured me they would take care of this. They sent me a new card in the mail, but never removed the fraudulent charge. I called XXXX today ( XX/XX/XXXX ) to learn of this denial, and was treated very arrogantly and condescendingly by the supervisor on the phone. I did not authorize this charge or any auto-renewal, and consider this to be fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I officially launched my business mid summer XXXX, I called into US BANK 1800 customer service department to inform them that I would be starting business and accepting payments from my customers via bill pay through their institutions. The reason being for using my personal accounts is due to the fact all my legal documents weren't finished being processed with Secretary of State California in order for me to open my business bank account. By the ending of that phone call with the rep he stated everything would be fine with me accepting the payments. My customers began sending in their payments for services and setting up auto bill pay. XX/XX/XXXX I was finally legalized in the state and I immediately opened my business bank account with Us Bank as well. The business banker opened the account, transferred {$10000.00} from my checking and into my business account. Days after, I went into US bank branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX to make a cash deposit of {$5000.00} into my personal account. The teller XXXX proceeded with my deposit but she took abnormally long to finalize the transaction to where I asked " Is everything okay? Are we done? '' she stated " Oh yes, I'm sorry '' gave me my deposit receipt and I left. The following day, I attempted to purchase items for my office using my personal bank card at XXXX on XXXX XXXX, XXXX, CA and it declined. I called and they said I needed to verify my last transaction at XXXX and I did and they " removed '' the hold. The very next day, I attempted to use my card again and it declined and I called back. I was on hold for 1 hour 45 minutes before the rep said " This type of hold would have to be resolved by the branch '' so I immediately went to the branch and the branch manager XXXX XXXX says " Theres ACH deposits that went into your account that weren't made payable to you are you able to verify all ACH transactions on your account? '' and I states yes, which ones specifically? She skims my account and reads off those that came from my customers, my car accident check that I deposited in person at the branch for {$26000.00} that cleared months prior, she even asked me to verify that my jobs direct deposit were for me. At that point I knew I was being discriminated against, so I verified all transactions via email to the teller XXXX. They stated ; the lift would be removed within 24 hours. I went back into the branch the next day because my card still didn't work & XXXX stated " The account is no longer in our hands, its been sent to the back office and they'll be the ones handling the case someone will be in touch with you '' my account with {$61000.00} had been locked. For months, I've Called 800 and they always tell me " Refer to the branch they'll be able to help you '' never receiving any help from XXXX the branch manager of my home branch or anyone else. I've been to numerous branches, spoke to numerous departments within 800, no one could ever explain what was happening. XXXX came around and I finally received word from XXXX that back office told her " funds aren't payable to you and will be sent back to the originators '' which is my customers. Even after all funds had cleared, been sitting for 2 months at that time that was the resolution. So I'm back calling 800, back and forth to branches looking for the right party contact no one. It's now XX/XX/XXXX, and I finally receive written correspondence that my checking account is now pending closure. XX/XX/XXXX comes and my account is officially closed at a {$0.00} balance! Now I'm back calling 800, back going to and from branches trying to get an explanation as to what happened to my money. I reached out to my customers and no one had received anything back. I called 800 to see if my account had been updated with any notation and it hadn't been but the representative that I spoke with told me that she and her manager were super confused and that she would be getting me over to the right department that would be able to answer all my questions. She got me over to the department that closed my account officially, customer outreach. I spoke with a XXXX XXXX ; he was very understanding and during our conversation it was told to me that my funds went into what US BANK calls it " unclaimed/recovery funds account '' he also stated that my funds weren't being held due to police discretion, there weren't any dispute claims in regards to my funds and that I was entitled to receive them back so he told me to go into the branch and he would be more than happy to talk to the branch manager and guide him through how to get the funds released so I went into a branch on XXXX XXXX in XXXX XXXX, NV and spoke with XXXX ; he then got on the phone with a rep from that department and was given the OK to release my funds and he did. He submitted a report to get my funds sent over the their particular house account and that was finalized the following Friday XX/XX/XXXX. The teller told me she seen my funds in their account but she couldn't sign off on a $ XXXX check the manager XXXX was on vacation until that following Wednesday, so I returned and I was then told fraud analyst XXXX XXXX had put a stop on releasing the funds because " they aren't payable to me '' and that they would be getting sent back to the originators. Thats all I was left with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am a current customer of USBank for my home mortgage loan. I had my loan with USBank since XXXX and currently are experiencing the worst service I have ever received from a major bank. My loan has a deed on 2 names, my niece and myself. My niece is an XXXX Military in the XXXX, stationed in XXXX XXXX, VA, and I reside in California where the property is located. During the COVID-19 pandemic, I took advantage of the opportunity to skip few payments offered by the banks per the California Governor, the application was easy, just a quick short form, I was allowed to skip XX/XX/XXXX XXXX XX/XX/XXXX, then on XX/XX/XXXX, I called to get back on track and began making payments, I was told then they will add XX/XX/XXXX and resume my payments starting XX/XX/XXXX, and that is where the nightmare started. The issues started as follows ; I promptly received a loan modification document packet to get signed and notarized, came with an overnight pre-paid XXXX envelope to be sent back and fast processing, well that was not good. I noticed it had both names for a signature, my niece 's and mine, I only signed mine as she was not available and sent it back, then it got rejected. Since the first document packet was rejected because it had only my signature, I then told the loss mitigation department that my niece was stationed in XXXX XXXX, VA at the XXXX XXXX base and they told me that, they will send her a packet for her to sign and another identical copy for me to sign again. Both again got notarized and sent, only to be rejected yet again. The issue was that they wanted both signatures in one document, but we are on opposite sides of the country, and that is impossible. I requested them to re-draw documents with only one signature per packet and have my niece 's sign hers in XXXX XXXX, VA and I will sign the 2nd packet in California. Since late XX/XX/XXXX, I advised people at the Loss Mitigation department that she would be XXXX at sea on XX/XX/XXXX, for at least 8 months and that they needed to get this right and fast. Time keeps on going, my niece and I keep receiving identical copies as the ones sent prior and rejected, and I keep on calling over and over and being told different things time after time, finally on XXXX she had to leave on XXXX, she did have to leave me a Power of Attorney to sign on her behalf, I notified USBank immediately and sent it via e-mail to USBank to have it on file, they confirmed they receive it and look good. Ive been told it got the documents rejected because the Public Notary writes on the documents that only one signature is being notarized as only one person is present, and the loan processors immediately reject. Yet they can not get the right paperwork sent. Then on XX/XX/XXXX after exhausting calls for hours, I was told I would be receiving the correct paperwork, to wait and once received, sign, and sent since I had the power of attorney. But only for the entire process to come to a halt and stop at beginning of XXXX. Not only did it stop completely due to time expiration. But USBank had the nerve to contact all 3 credit bureaus for both my niece and me and report that we had 8 late payments, sending our credit scores low and affecting all of our finances. I had to contact all 3 credit bureaus, dispute the reports, submit paperwork, and prove that monthly mortgage payments had been continuously paid. I contacted USBank to get them to correct the reporting and re-open the modification, finally, at end of XXXX, one Senior Manager got the process re-open. USBank eventually corrected the credit report in XXXX, but not without causing me and my niece lots of stress and the risk of having credit card interest raised or closed credit lines. Once the process was re-open, I called almost every week, to check on the status of the paperwork. And time after time I was told it was in process and that I should wait a bit longer. During this whole ordeal, my monthly payment has increased not once but 3 times due to people 's incompetence at USBank. It went from {$2200.00} each month to {$2300.00}, then to {$2400.00} and this is because each time it has been XXXX with, the escrow for insurance and taxes falls short as they move the unapplied payments to the months behind. So, the loan modification keeps changing, it started with 8 payments to be added to the subordinate loan, now it is at 11 payments for the subordinate loan. Each time the payments only stop by request of USBank as they re-started the modification. ( XXXX was added again to the skipped list of payments per USBank ) After months of calls, and Notarizing and sending paperwork only to continue being rejected, there is a new twist on the problems. The new paperwork now includes a line for my wife to sign thats a new one, why? She is not on the Property Deed? But anyway I immediately called as spent almost 2 hours on the phone, going back and forth with the Loss Mitigation department and them checking with the Loan department. I asked for specific detailed instructions on how they wanted me to sign this and as a final set of papers. I was told they will re-draw the papers again to include verbiage that will specify that I have the power of attorney to sign for my niece, that line of verbiage was added to the line where my name show. I then received the packet on XX/XX/XXXX, again I had the document Notarized and signed as the instructions indicated nothing extra, the notary did write anything more than the Seal/stamp and signature required. No extra writing. Then on XX/XX/XXXX I received another packet. This time the verbiage was on my niece 's line why was this not done correctly? We again notarized and sent it the same day, received by USBank on XX/XX/XXXX. And on XX/XX/XXXX yet again I received a new packet identical to the one on XX/XX/XXXX. I again called Loss Mitigation, and after 45minutes they told me they have the last packet and they will see if it will work the new deadline is for XX/XX/XXXX, my wife is currently traveling ( I have proof ) and will be back on XX/XX/XXXX, if this paperwork gets rejected again and she is not here before XX/XX/XXXX the entire process will close again. Then today XX/XX/XXXX, at about XXXX XXXX, I receive a call from USBank telling me that the power of attorney was not recorded and they needed to be recorded. Wait what? How can I record a power of attorney without the person giving me that power? They had a copy of this document since XX/XX/XXXX and now almost 6 months later they realized they need something else So, not only have I wasted hours on the phone, stressed out, dealing with incompetent people, but I have paid the Notary each time {$15.00} per signature and I paid so far about $ XXXX, not counting my vehicle fuel, my time and time I had to leave my job to take care of this. This has affected me mentally with lots of stress, sleepless nights, and headaches, but I also economically as I lost the opportunity to refinance my loan to a lower APR and remove my mortgage insurance payment. As I was in the process to refinance the loan and remove the Mortgage insurance back in XX/XX/XXXX, only to be told by the lender that we had to wait for USBank to remove the forbearance and close the loan. I need assistance to get this to finally reach an end, I feel that no one in USBank cares anymore about customers, and I am disgusted with how USBank treats XXXX Military and their families. If this was my niece 's alone in this ordeal, I am sure she probably would have her credit ruined and lost her property thanks to USBank. I hope to end this now as it has been already 10 long months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
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 did not order XXXX 's and I was charged XXXX $ for XXXX XXXX XXXX I ordered from XXXX and was overcharged by XXXX $ + in one day. I have multiple purchases XXXX XXXX unknown services that I never utilized or come nsumed. Also I never received an end x certificate from XXXX online. XXXX $ charged though. I also did not take out {$1000.00} from any ATM ever. Also I w as CH argued for a week ly fXXXX XXXX subscription which I on several occasions called to cancel service web site advertising suggests that the cancellation s areceasy and fast guaranteed at anytime. The co marely and spoon however could not locate my account so I was not cancelled like web site promimises. XXXX a week.for XXXX weeks. Also there are a lot of mistakes I an disputing with USBank reliacard asap. I just wanted to let ya all be aware so that I'm following legal cha -nnels got go fix my sabatgoed by whomever did these llegal trans. To my accountso I can have the bankhurry to reinstate funds to my credit account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97233
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I reviewed my credit report that reflects a credit card with {$4000.00} charges. Due to the interaction and issues with the card, I would not use the card. After 10 years, I did not remember the card with a XXXX balance until XXXX. However, XXXX XXXX formerly XXXX XXXX XXXX XXXX XXXX manipulated information to extend credit reporting history. In additional, XXXX appears on my XXXX Credit Report but sold the account to Elan Financial fraudulent charges for collection. On my XXXX Credit Report, Elan Financial Services added the same derogatory information to force me to pay the fraudulent charges. I have made any payments to XXXX XXXX, XXXX nor Elan Financial Services there should not be a payment history. Due to their unethical way of keeping the credit card fraudulent charges on my credit reports, theyve manipulated dates, payment history, closed dates and the creditor thats holding receivable. It has been over 7 years for the credit card anyway and should have been removed from all credit reports in XXXX or XXXX. Again, manipulating dates and payment history extends their credit reporting ability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Ok, so your questions getting to this point didn't have anything to do with my situation. My problem is that us bank gave my complete mortgage account history and account information to a third party not on or even related to my account. I found the person ( XXXX XXXX ) in possession of my account information which included all payment history, account numbers, and other personal information. XXXX XXXX called us bank late XX/XX/2021 and it took them 2 weeks but they sent an email to XXXX on his personal email ( XXXX ) on XX/XX/2021. I confronted us bank and they said they would " look into it ''. I'm furious that I have to give them the size of my left toe just to talk to anyone and XXXX was able to just ask for this information and they just gave it to him.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for a HELOC with US Bank and they approved me but required that my previous HELOC with XXXX XXXX be paid off as well as an XXXX card. They indicated that those accounts would be paid off through the new loan and included a disbursement sheet which listed check numbers and amounts to those to companies mentioned above. The loan closes and the accounts are never paid off. I had to use my HELOC funds thinking I received the remainder of the loan amount. Now i have all three of those accounts which need to be paid still which I can not do because I should have never qualified for this loan while keeping those other accounts open. Now I have 3 mortgages on my property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This Bank illegally froze my account that pulled my credit report approved me for an XXXX CC I have no fraud alert spent three times on phone validing into to activate my card .. Now asking for Documents ( Copy of ID Etc ) that's fully illegal in it self as banks by federal law are not entitled with individuals documents with along all these data breaches etc.. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a Checking and Savings account with US Bank. As a US Bank Employee. When I attempted to login online, I found out that there was another email address AND phone number I have never used, or known, that was listed as my account. That had access to my funds. That I sent money to from my primary life savings account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A