Date Received: 2021-06-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Someone has acquired a loan through US bank in which they are recieving monies and borrowing acquiring loans. Additionally attempting to acquire a XXXX XXXX credit card which I cancelled. XXXX XXXX XXXX XXXX is My social security #
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/XXXX I filed for chapter XXXX bankruptcy. As required by federal law I was forced to list my vehicle loan by U.S. Bank in the bankruptcy. On XX/XX/XXXX the auto loan was reaffirmed and signed off on by the attorney for U.S. Bank. My bankruptcy was discharged on XX/XX/XXXX. Sometime in between my bankruptcy being filed and being discharged, U.S. Bank went in and had the car loan completely deleted/removed from all of my credit reports. In XX/XX/XXXX, I called U.S. Bank and notified them that the account was not on any of credit reports. I was told by the customer service representative that it is U.S. Banks policy to delete the account from the credit reports when you file bankruptcy and that they are not required to report it again to the credit bureaus. I filed a Consumer dispute ( Dispute # XXXX ) immediately as the account was reaffirmed and should be being reported to the credit bureaus as paid as agreed. On XX/XX/XXXX U.S. Bank sent me a letter stating that We received your dispute regarding the account referenced above. We have investigated and reviewed the information you provided. Based on our investigation, we have determined that this account is not currently reporting to the consumer reporting agencies because the account was included in a bankruptcy filing. The letter provided an address to mail additional documentation regarding the dispute to. On XX/XX/XXXX I sent in several documents certified mail ( USPS Tracking # XXXX XXXX to again request that the account be reported to the credit bureaus. I submitted the following documents 1 ) Consumer Dispute letter formally requesting account be report to the credit Bureaus ; 2 ) Copy of letter from U.S. Bank dated XX/XX/XXXX ; 3 ) A copy of Equifax and Transunion credit report showing account is not being reported ; 4 ) A copy of bankruptcy Schedule D showing reaffirmed accounts ; 5 ) A copy of the signed reaffirmation agreement dated XX/XX/XXXX ; 6 ) A copy of the order of discharge from the Court ; 7 ) Copy of payments made to U.S. Bank since XX/XX/XXXX. The certified letter was signed for and received by U.S. Bank on XX/XX/XXXX. On XX/XX/XXXX I received a letter from U.S. Bank dated XX/XX/XXXX stating the following We received your request for the account referenced above. We reviewed and identified this dispute to be a duplicate request. As there is no new information regarding the dispute, we are unable to conduct a further investigation and we are closing this dispute request. For us to conduct a further investigation, please provide the following information : New details about the specific information you are disputing in your credit report. A further explanation of why you are disputing this information. A new documentation to support your dispute such as : A copy of your consumer report showing the information you would like to dispute ; Account statements ; A copy of a police report, or A fraud or identity theft affidavit. I immediately called U.S. Bank again once I received this letter and filed another Consumer Dispute ( Dispute # XXXX ) again requesting that the account be reported to the Credit Bureaus. The customer service representative gave me a phone number to the bankruptcy division XXXX. I called the number provided and spoke to representative who confirmed that she showed my account was reaffirmed on XX/XX/XXXX and closed due to bankruptcy on XX/XX/XXXX. I was advised by the customer service representative that as U.S. Banks policies and procedures as of XX/XX/XXXX is that if an account is filed in a bankruptcy they delete it from the consumer reports and will no longer report it even if the account is reaffirmed in bankruptcy. They transferred me back to the consumer dispute service line, I spoke to XXXX XXXX. She advised me that the only thing I could do is self-report the account to the credit bureaus or I could refinance the car loan and then U.S. Bank would report the account to the credit bureau from the refinance date forward. I let the customer service representative know that I had already spoken with the credit bureaus and had been advised that since the account was completely deleted they can no longer see anything about the account and self-reporting is not an option. I was again told by the U.S. Bank representative that I could refinance the car loan and then U.S. Bank would report the account to the credit bureau from the refinance date forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: During the application process for a Home Equitly LIne of Credit ( HELOC ), the lending specialist held the application process hostage, delaying the closing. Loan value is {$25000.00}. The lending specialist, XXXX XXXX XXXX, NMLS # XXXX at US Bank whom is not a legal or tax specialist, i.e. paralegal, licensed attorney, or certified public accountant, proceeded to coerce our Certification of Revocable Trust against my advisement. After I cited specific inaccuracies such as IRS tax reporting identification number and supplied tax certification, the lending specialist continued to " advise '' inaccurate and factually incorrect amendments to the certification. Ultimately, I did not comply with the lending specialist 's requests as this document would not be subject to enforceability with negligent terms. Resulting in continued delay and risk to immediate needs of funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60175
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: See CFPB complaint number XXXX. This was NOT addressed by US Bank. They falsely stated I was informed the account closing process would take 10 business days. I am demanding the initial call recording be pulled where I was informed it would take five to 10 days to handle. My intial call was Monday XXXX XX/XX/2021. I detrimentally relied upon what I was told by US Bank ... they do not address that in their response. They DO admit, as they have to because the call is on record and I have proof of the same, I call to close an account on said date. The state I was told it could take up to 10 days. Let 's assume for a moment that is true ( which it is not ) then the account should have been closed and check mailed by XXXX XXXX ... it was NOT. US Bank correctly states the check was cashed on XXXX XX/XX/2021. In fact that is the day the check was received. So by US Bank 's own admission, they failed. They do not address this in their response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Please see the attached letter to Fidelity 's fraud department following their denial of my dispute. I followed up again with calls again with no response and then closed the account last month. I have only paid for correct charges and I have never received a response to my letter. XX/XX/2021 Cardmember Services XXXX XXXX XXXX XXXX, North Dakota XXXX XXXX : Fraudulent Activity on Card # XXXX XXXX XXXX XXXX Dear Sirs : I am writing you to appeal a decision by your Fraud Prevention department to reverse charges on my account referenced above. First, I have been a cardholder in good standing for over 20 years, and if you look at my history, I have rarely reported a fraudulent claim. For the last 9 years, I have used this card for business purposes for my XXXX XXXX XXXX and rarely had an issue. I have the number set up for my office manager to use the card for business purposes for services rendered and she has access to the number for that purpose. The account is reconciled and paid in full on a monthly basis. The following are the series of events : XXXX XXXX I phoned cardmember services to inquire why the recent charge and been blocked and why I had not received the replacement card. The service rep unblocked the card and informed me that I should receive the replacement card by the end of the month, although the card expired in XX/XX/XXXX. On XXXX after I paid the balance on my account of {$19000.00}, by office manager brought it to my attention that we had not received the new card AND that there was some unverified activity on the account. I phoned cardmember services again and was told this time, that the card was received and authorized by someone claiming to be me on XX/XX/XXXX! I informed cardmember services that I did not receive the card and did not authorize these charges. Charges were reversed. The card was cancelled that same day and I put a fraud alert in my credit report. On XX/XX/XXXX, I received a letter from your XXXX XXXX stating that all of the fraud charges were determined to be authorized during this period and the charges were reinstated on my account. The letter was dated XX/XX/XXXX, so there was a delay in opening, but when I called that week, XXXX insinuated that I was lying and refused to reverse the charges again. A few days later, I received a call from XXXX supervisor and I explained that the card was stolen and that I did not authorize any of the charges in XXXX e-mail, except the one for XXXX, which is a monthly charge that is set up for automatic payment. She again insinuated that since I authorized the charge ( although I explained it was not me ), they would not reverse the charges. I am appalled at how Fidelity is treating me over what is clearly identity theft and a stolen card, after over 20 years as a customer. If you look at the history of this account, these charges are not my usual activity, and I have seldom disputed a charge in over 20 years, while remaining in good standing. I have filed a Police report with the XXXX XXXX XXXX for identity theft and I am insisting that Fidelity reverse these charges and pursue the fraudulent charges as I reported. I have attached the letter from XXXX as well as the Police report # XXXX filed on XX/XX/2021. Around this same time, my storage with some business files was broken into and I someone tried to cash a counterfeit check at my bank account. I can be reached at XXXX, and I would like an immediate resolution to this matter. I intend to close my accounts with Fidelity over your mishandling of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, my checking account in XXXX XXXX XXXX received a wire in transfer ( {$6200.00} ) from US Bank. On XX/XX/XXXX, XXXX XXXX XXXX put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} XXXX. After constant and torturing communication with XXXX XXXX XXXX, the staff in the wire fraud department from XXXX XXXXXXXX XXXX told me that it is US Bank that put a hold on my checking account and there is nothing they can do. The investigation conducted by US Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or XXXX. My request is that USBank withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were 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: 92627
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 2nd complaint. I did write feedback under the original so I hope the feedback is acceptable for this complaint. In summary, USBANK holds the transfer morgage ( and, according to one of their staff the fee is demanded by another investor ). Not that the original document does not identify this fee. This is not a servicing fee but rather the END of a service. I spoke with a loan originator at XXXX and they were not aware of this fee. According to several financial acts, the a transfer adheres to the original contract. I spoke with one of your employees : # XXXX per the wording on the USBank response to CFBP. We discussed the letter. In particular, " your morgage ... allows lenders to charge fees for its services, including the waiver of escrow. While section 14 of your mortgage regarding loan charges does not list specifically the escrow waiver fee, it shall not be construed as prohibiting that fee. '' Perhaps someone can point out the law with respect to this? Please see the additional bullet points on my feedback to complaint # 1.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54016
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In the month of XX/XX/2021 U.S. Bank system some how drop one digit from my auto payment account causing a missed payment on a loan. I contacted the bank and no one was able to tell me why this happened. I was told to fill a dispute that's all. I have tried multiple times get this resolved but get little response from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 797XX
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a home equity loan with US bank. An internal error has shut my access to this money. This is an internal bank error and I have tried for several weeks to get this resolved. I have gotten nowhere, and I am completely frustrated with all the excuses as to why nobody can resolve this. US bank claimed the property taxes on the collateral property were not currently paid. I faxed a copy of my tax bill, which showed all taxes are paid up and no taxes owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A