Date Received: 2021-04-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: All of a sudden US Bank, without a notice, without a warning and using XXXX decisions US Bank put my account on hold. Only today, when i was checking my Salary deposit into my account I realized they put a hold on my account. My Salary was not able to be deposited into my account. I contacted the phone number saying i should contact but they could not provide me an answer why was my account on hold. I was transferred to Fraud Department for further assistance but they too said they do not know why my account was frozen. And i was informed to contact nearest Branch to clarify the situation. I went to the nearest Branch, where I was told my account was on hold and they will delete the account and that they will send me a check with my balance. I explained to the Branch that my salary was prevented from being installed into my account and that i have loan payments and other financial obligations related to my account but they said they have no solution and refused to provide me with my money in the account. Then they explained that i was a joint holder with another account that had an issue that is being resolved as we speak. When asked what is the relevance of the other account holder to my personal account they could not provide a reasonable answer. They explained the other person 's account problem is being resolved and will be clarified but would take a week to clarify. I explained to the Branch i had salary to get and it is direct deposit so now it is lost in the cyber space and will take time to re allocated or to be paid and that i have financial obligations coming up but in vain. They said the Branch could do nothing and that it is a stupid blunder at the main office that they could do nothing about it. So practically in the USA i am denied access to my money ... ... ... and i thought that happens only in the place i immigrated from, a third world country under XXXX laws. I think the Branch decision was carried out by ethnically and racially profiling me. If they close the account i lose all my credit history, my credit score will fall down, my financial fees will rise and my plans to buy an apartment or a lot will be jeopardized. I am neglecting now my job and my study, i have college exams, and i am emotionally outraged about the situation. My ability to meet my monthly financial obligations is compromised and so my financial reputation will suffer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
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: Hi all, Yesterday I got scammed. It was very real and I'm so sad it happened. A person from XXXX called me saying that my Alien Registration Number ( XXXX ) was incorrect. She was American and even told me her badge number. She then walked me through the XXXX website, showed me all the steps to find the page saying that if you don't have XXXX updated you may suffer serious consequences like going to jail, etc. She knew how to navigate the government website flawlessly. When she called, appeared on my phone " XXXX XXXX '' ( XXXX ). I did not know anyone can change their names and phone number, so I believed it was real. She told me the call was being recorded and I could not hang up in any circumstance. After a while, another number started calling me. The woman told me to not pick up and to XXXX it who was calling me and then to tell her who was it. The other number calling was " XXXX XXXX Police '' ( XXXX ). Once I told was the police, she told me to pick up the phone. Then, the police XXXX, also American, told me that I had 2 options : 1 ) pay " XXXX '', which meant an immigration bond of {$1300.00} or 2 ) if I don't pay they would come to my house. I was freaking out. The police officer also told me she was in contact with the XXXX agent. PS : When you move to a foreign country to study, you do have a lot of documents to fill out and most of them have due dates, so I was scared and freaking out that I have missed anything. Then she told me to download an app in my phone called " XXXX XXXX ''. So, she had access to my phone screen and guided me to transfer via XXXX. In total I made XXXX transfers but every time I would hit the " send '' button to transfer the money, I received a text message saying that my transfer did not go through. The text message was from " XXXX '' and I believe it again. Since my transactions were not working she told me to go to Target and to buy gifts cards of {$1300.00} XXXX same amount of the transfers ). The whole time the XXXX officer was on the call with me. Before the call, I was applying for jobs and was very concentrated. Everything she told me to do, I did. I was freaking out and XXXX to see what was happening. Gladly I live with my mother, she followed me to Target and called the police officer from Target. When I passed the phone to him, the woman from the " ICE '' hang-up and then I realized it was all a lie. Total I lost 90 % of my account XXXX XXXX {$2800.00} XXXX. Today I changed all my account numbers and cards. I'm still very sad that I believed all this but it was very real! Once it appeared in my phone " XXXX XXXX '' and " XXXX XXXX Police '' calling I believed and was XXXX trusting them. I wonder if they do that with people that do not have the support like I had with my mother. They could lose absolutely all their money. My mother has friends in other states and today one of her friends told her the EXACT same scam happened with her yesterday! She lives in North Carolina. ( I'm from Ohio XXXX. US Bank told me they will not reimburse me since I was the one who transferred the money. But the fact is that I was victim of a scam, they were so professional. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I Repeatedly Asked U.S.Bank To Validate Account With XXXX XXXX XXXX Made Pursuant To The FDCPA & The FCRA, With Any Documents, Bearing My Signature For Verification.The Credit Card Account Is Listed As Verified by Creditor, Without Any Viable Evidence With My Signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied fidelity rewards account and was denied and havent been able to find out why.. but my credit is excellent so I dint see why I wasnt approved..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I reached out to US Bank regarding an account showing on my credit profile. The account has a balance of {$170.00} and I would like to pay the account in full. Every month, this accounts reports as 90 days delinquent, completely destroying any hopes for rebuilding my credit portfolio. In a hot potato phone style, I was finally passed along to a manager in the recoveries department. The manager advised she was unable to accept my payment as " Mississippi State law limits how long I can be sued on a debt ''. I asked for clarity and why it has continued to be reported every month as 90 days past due if legally they can not accept my payment. She advised she was unable to do anything and provided the numbers to all three Credit Bureaus. I reached out to XXXX and they advised they can not do anything and the account will fall off in XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was counseled at closing on my home in XXXX that at one point my PMI would go away. Sometime in XXXX, when I had owned the house for 5 years, I inquired about removing my PMI. I was told that I needed to pay down the mortgage so that there was an 80 % loan to value ratio. After I achieved that, I was counseled that I could have the PMI removed. This answer was delivered to me after the bank rep " researched '' the answer. So I commenced to save and am in a position to pay down the balance so that I can remove my PMI. I inquired today with the bank about how close was I to removing PMI and how I went about initiating the process. I am told today that I will never be able to remove the PMI and that the payment will carry with life of the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The mortgage was in my father 's name but he passed away in XX/XX/2019. It took almost a year to get my mother named as successor of interest completed with US Bank. We also included XXXX of Attorney which allows me to act as my mothers representative. US Bank calls me continiously but there is usually no one on the other end. It's simply their computer calling my number but no agent. There was an agent today named XXXX. She asked to speak with XXXX and I explained that he had passed and my mother was the SOI and I had POA for her and this had been in place for over a year. She stated that US Bank has no record of this and instructed me to send in a death certificate. As I have already done this, I don't know what else I can do. The also went to her house when she wasn't home and taped a letter to the door addressed to XXXX XXXX who is deceased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2020 I made my usual payment to US Bank with my first bank account, using auto pay, which went through. At the same time I also made an extra payment from my second bank account when went through. At that time I switched my auto pay to my second bank account. In XX/XX/2020, I made my normal payment through my first account since, I had changed the accounts during the billing period. When my payment changed to my second account, the credit company 's system added XXXX zeros to the front of my account which caused my back to reject the payment. I was charged a late fee which was reversed after the error was discovered. Because of this XXXX missed payment, the credit company reduced my credit limit from {$2000.00} to {$700.00}. This, as stated in their letter, was because of my " payment history ''. I have been with this company for several years and have never had a late payment. I always pay more than my minimum payment and make extra payments above my normal payments. The credit company verified that it was a mistake on their part but says I have to request a credit increase to possibly have my limit restored. I spoke with the underwriters who told me that because I don't carry a full balance on my card, pay above my minimum payments, and make extra payments that my payment history makes them feel " uncomfortable '' with my credit worthiness. So because of the credit limit reduction, which impacted my credit score, and my only option to regain my credit limit would require a hard inquiry on my credit, again impacting my credit score, and the refusal of the credit company to correct their error, I have been has penalized XXXX times for their error. Is there anything I can do to have this corrected?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/XXXX I noticed a XXXX charge for XXXX on my account ending in XXXX. I called Elan Financial Services to advise of the fraud charge. They opened a fraud alert and cancelled my card. They assured me that the the account was closed and no other charges would occur. I received my new card and noticed a feature on the credit card application XXXX that showed a " reoccurring charge '' of {$14.00} for XXXX. I called customer service and they told me not to worry about it, that it was for the other card number and I won't have a problem or new charge again. Yesterday XX/XX/XXXX I noticed another charge for XXXX for {$14.00} under my new card ending in XXXX. I called Elan Financial Service again, went over everything. A new fraud claim was opened, a new credit card was issued. They said they won't follow up with XXXX, they also told me that I can either keep my account open or just " close it for good '' because XXXX in the Fraud Department who said she is the " main XXXX '' said this charge will " just keep happening '' and there is NOTHING THE BANK/Financial Institution will do. I asked to speak to a XXXX she refused to transfer. She basically did NOTHING to resolve my now ongoing problem. I advised I would file a complaint with the CFBP she didn't care. I contacted XXXX, they advised me a of a partial email account of the fake account. They also stated that I would not receive any further charges on either account. They XXXX XXXX ) also stated they would issue two refunds to Elan Financial for each charge. I did the work of Elan Financial Service- My credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A