Date Received: 2021-04-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: I transferred {$770.00} from my ReliaCard from card holder services to my checking account on XXXX it posted to my account on XXXX. It was reversed on XXXX. I contacted ReliaCard and was told I needed to fax my ID in which I did on XXXX. I was told I would receive my money in 5 days and I have been trying to get it refunded since. I keep calling and talking to people and not getting help. I filed a complaint against card holder services. Finally a supervisor call me and said he would help., he told me XXXX XXXX did the reverse and gave me a tracking number of XXXX and they have to refund my money. I can not get anyone to help me with XXXX XXXX either. I either keep getting transferred or disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On my US Bank account on XX/XX/XXXX There were 3 unauthorized transactions. withdrawals of {$500.00}, {$1000.00} and {$1000.00}. That is a total of {$2500.00}. I called US Bank on XX/XX/XXXX to report the fraud. They said it would take 5 business days to put the money back. I called back on XX/XX/XXXX, they said it will be done that day. On XX/XX/XXXX I called again to inquire why it was not there. They just said that the person I talked to was mistaken and that it would take 10 business days. 10 business days came and went and the money was not returned. Today the 11th business day I called ( XX/XX/XXXX ) and they told me that they determined that it was an authorized transaction. I asked how did they know what an authorized or unauthorized transaction was? I was told that he didn't know because he didn't do the investigation and I have no other recourse other than to submit an appeal after I received the denial letter. The letter will be another 10 business days. In the meantime I have bills to pay. What is my recourse?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: on XXXXan unauthorized transaction for {$2000.00}. And another Unauthorized transaction on XX/XX/XXXX for {$830.00}. I became aware of Unauthorized activity on XX/XX/XXXX when I called US Bank to report I was locked out. This is the second time USBANk has allowed someone, other than me, access to my account. On XX/XX/XXXX a us bank employee informed me that someone made numerous calls in attempt to gain access and that a us bank employee eventually provided that access without verification of passcode on file. She said she would provide that documentation in my file. I provided a written dispute form and a copy of my id within ten days but I recieved a case closed letter XXXX stating no funds would be credited. Us bank 's own customer service representative, XXXX, informed of them allowing someone access without verification of passcode as well as the multiple calls made to gain this access. I tried contacting us bank but employee said it was nothing they could do. THESE UNAUTHORIZED TRANSACTION OCCURED ALMOST IMMEDIATLY AFTER USBANK RESOLVED THE FIRST ISSUE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Tuesday, XX/XX/XXXX : It brings me great sadness of how the employees continue their unacceptable and discourteous behavior toward a loyal customer of theirs who finally had to close her accounts on her own accord in the email addressed to Mr. XXXX on XX/XX/XXXX after he ignored me three times to reach out to him when he chose to break his promise of not calling me back on Friday, XX/XX/XXXX to close my accounts. While I was asked to reach out to a " XXXX '' whom I've now emailed a total of three times to get my money, she too, among the rest of the other negligent and malicious employees listed previously, she too has completely ignored me. What an extremely audacious and insidious group of people they are. They really are all asking for it. Also, such preposterous, absurd, and extremely audacious people furthermore refuse to communicate directly to me. It was bad enough that that Ms. " XXXX, XXXX '' broke confidentiality laws by forwarding me all of my emails to that trouble-maker XXXX without asking for my consent first, etc. This group forwards correspondence like the wild-fire to one another without the person 's consent -- there really shouldnt have to be a confidentiality waiver attached to each person 's email to this group. Nevertheless, I had a confidence waiver at the end of each of my emails to them. That's right, they expect confidentiality of their emails to be respected, yet this buffoon of a group refuses to respect other 's own privacy even when I have taken the initiative to put a confidence waiver at the end of my emails. Despite me now reaching out to " XXXX '', she too has neglected her " due diligence ''. Additionally, US Bank continues to communicate to another party about my private business affairs instead of communicating directly to me to wire my money, with no fees, period. Today, XX/XX/XXXX, another separate party notified me that Us Bank is communicating with them about my private affairs to them and NOT to Me, AGAIN. This group is really asking for it and has everything horrendous in this world coming their way. I want all my money back in my -reopened accounts so that I can wire the money accordingly to the way I see fit to my new banks. ATROCIOUS. UNACCEPTABLE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have had a US Bank account, of some kind, for more than 40 years. I have been satisfied with their service, until I received a deceptive offer to apply for a credit line limit increase. A couple weeks ago, I received a pre-approved credit line increase and was provided a special pre-approval code. My credit score, according to US Bank last week, is XXXX and remains unchanged. After deceptively enticing me to apply for this pre-approved offer, US Bank did a hard pull of my credit and then declined the pre-approved offer, even though my credit score remained unchanged at XXXX. Now, my credit score has, in fact, been damaged by US Banks intentional deception. This review has been submitted to the CFPB, the XXXX, and the Washington State Attorney General Office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They didnt address the issues of my previous complaint. You cant raise an APR and blame it on the credit bureau. My credit score is over XXXX!! Also, Elan should remove the link to check credit or make it active. I dont need a copy of my report, I need them to stop scamming consumers. This has to be addressed. My next stop is the news. Elan Fiancial is a fraud!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Dear CFPB, I hold a 5 Year CD that I opened with XXXX XXXX XXXX during XX/XX/2016, that was taken over by US Bank. I did not notice the letter before my CD renewed this past month, and US Bank has I contacted them, and they wanted more than {$150.00} to cancel the CD, which is more than 200 % of the the full amount of interest the CD will pay out over 5 years. They also renewed the CD at a rate that is low ( .25 % ), when other 5 Year CDs can be found at 3-4x that rate. I believe their fee is usurious to cancel the CD and unreasonable given the CD just renewed this past month. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My wife and I got divorced on XX/XX/XXXX. After the divorce, some newly discovered funds came through in the form of an escrow refund check from US Bank Mortgage. Per our decree, newly discovered funds are to be split XX/XX/XXXX. We have had money escrowed for the last 6 months to a year included with our mortgage payments from XX/XX/XXXX and prior. These funds were escrowed to eventually pay our XXXX XX/XX/XXXX property taxes and annual homeowner 's insurance policy. Since we got divorced on XX/XX/XXXX, we did not need to pay this bill and the money was refunded to both of us in the amount of {$4100.00}. The refund check went to my ex-wife 's address only, had my name listed first, then my ex-wife 's name was listed second. There was no " or '' or comma in between our names, and she cashed it by only endorsing her name. I have been informed that this should have been rejected since both of our names are on the check. The US Bank teller failed in this instance by cashing it, and my ex-wife committed fraud in cashing it. She will not return the funds and I have asked several times. I have a copy of the check, the account number of the check, the mortgage account number, and the statement that was mailed to me to which was the only way I would have discovered that this fraudulent activity took place. I have been researching and talking to the US Bank Fraud Liaison Department which handles their banking fraud, and the US Bank Mortgage division who handles mortgage fraud. Everyone has agreed this is 100 % fraud. After getting transferred back and forth between the banking Fraud Liaison Department and the US Bank Mortgage division for the last 2 months, being told a fraud case had been opened on the banking side to later find out it was cancelled since it needs to go to mortgage, I finally got to someone high enough and with the wherewithal to handle this. My most current contact is on the mortgage side and his name is XXXX XXXX who reports directly to the USBank Mortgage president. They have said for over a week that an affidavit is being mailed to me to which I must promptly return for them to start the investigation. This is the 3rd time since XXXX where I have been told an affidavit is coming. This time, I have been assured it truly is coming. They say they always start from the beginning, and they will start the investigation on the Mortgage side which is their policy, and then take it to where it needs to go from there. As I mentioned, for a while, I was getting the runaround with all contacts at USBank. Most likely this is because my ex-wife is an employee there, and she had to take this check to a teller she knows within her branch to get this fraudulently cashed. Being a nearly XXXX employee, she knows banking practices and the law, and she knows this was fraudulent which was the only way this would have gotten through. I have verified this as the case per the contacts I have spoken with at USBank fraud, USBank Mortgage, and others. I have setup a case with the XXXX, IA police department as well. It is case # XXXX. The police chief is XXXX XXXX and his email address is XXXX and their phone number is XXXX. He has emailed me a few times stating he believes this is more of a civil matter, but he will help me any way he can. He has contacted the XXXX XXXX Iowa attorney. I contacted the Iowa XXXX XXXX over the weekend, and they referred me to you, the XXXX, and they mentioned I may want to get in touch with the Iowa XXXX XXXX XXXX at the state level. They thought I may want to get in touch with the FDIC at the national level, but your rep, XXXX XXXX XXXX XXXX ), said you will handle contacting the FDIC if necessary. I have been taking notes of nearly every conversation with every person to which I have conversed since XXXX. I can provide any supporting documentation to which you may need including the endorsed check, the mortgage statement showing the refund, and all conversations. The US Bank Mortgage department only gives me their customer service number which is : XXXX and I have to get transferred several times until they get me to XXXX XXXX who reports to the US Bank Mortgage XXXX. The US Bank Fraud Liaison department can be contacted at : XXXX. XXXX has been my main contact there and her employee ID is XXXX. The auditors are XXXX and XXXX. That's the best information she could give me on them. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/XXXX, I received a letter from U.S. Bancorp dated XX/XX/XXXX stating that they were unable to open a checking account for the Plaintiff. The application id was XXXX. As per the letter, the adverse action happened on or around XX/XX/XXXX. However, I never applied to open a new bank account with the bank. I sent an 609e requests which was delivered to them via certified mail on XX/XX/XXXX, XXXXI received a call from XXXX ( Phone number XXXX XXXX XXXX ) confirming that the letter was received. As of now, U.S. Bancorp to provide documents required under 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) has passed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to medical issues, I fell behind on a credit card from Elan Financial Services. They offered me a settlement amount for less than what I owed. Included in that settlement was an agreement that the account was to be closed and marked as paid in full and that they would delete all negative remarks associated with the account. Upon review of my XXXX credit report, it is showing that the accoint remains open and 14 missed payments are showing on the report. This is contrary to our agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A