Date Received: 2021-03-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: Called US Bank in XX/XX/XXXX to get a payoff quote for my lease with them as I was looking to refinance this loan and buy my vehicle with the help of XXXX XXXX XXXX. Was given a payoff of {$29000.00} which was good through XX/XX/XXXX. XXXX XXXX XXXX sent a check overnight to US bank for {$29000.00}. The check and payoff authorization and instructions were sent to US Bank overnight on the XX/XX/XXXX and received on the XX/XX/XXXX. Tracking number was : XXXX through XXXX XXXX. Received a phone call on the XX/XX/XXXX from US Bank stating that they needed titling and odometer paperwork completed to process the payment that they received from XXXX XXXX. Completed this paperwork and sent it via fax same day ( XX/XX/XXXX ). I spoke with a lady at US Bank by the name of XXXX XXXX in regards to this paperwork as I noticed a discrepancy on the forms she had faxed. The new payoff quote that generated on the paperwork was XXXX ; she stated that for her to print off the titling instructions they needed to run a new quote, but to go ahead and ignore this new number as they will honor the original payoff quote since the payment had already been received. Got another phone call in XXXX from US Bank and spoke with a lady on XX/XX/XXXX ( didn't write down her name ), asked her at that time if things were taken care of as I had just gotten another phone call in regards to payment collection from them. Asked if the payment was applied to the loan now that US Bank got the paperwork back to process alongside the check. She stated that they received the paperwork and that the payoff of XXXX was going to be applied and honored and everything would be good and that I should not receive any further calls from US Banks payment collection department. Received multiple phone calls during the month of XX/XX/XXXX from US Banks debt department asking for payment arrangements, noticed that my credit had been hit with delinquent payments from US Bank ( I had been making payments to XXXX XXXX XXXX this whole time as they had already sent funds to US bank and taken on the refinance on my loan ). Called US Bank on XX/XX/XXXX. Spoke with XXXX XXXX from US bank she stated that they were not going to honor the payoff quote after all and that we needed to send a new payoff to them or the account will stay open and negative actions were going to continue to take place. At this point I asked them why they weren't going to be honoring the payoff quote anymore because I had been told differently every time beforehand when I had called or received a phone call. She stated that because the check they received was short from the payoff quote that was ran on XX/XX/XXXX that the cashiers check that they have on record for me would not be applied to my lease at US Bank. At this point I found out that US Bank had rejected the check and decided that they would not apply it to the loan back in XXXX this whole time ; I asked for them to return the cashiers check because XXXX XXXX would not issue a new payoff until the cashiers check was sent back to them. XXXX XXXX XXXX questioned why they had held onto a cashiers check for so long to begin with as this is not good bank practices especially if they had already made the decision to reject the loan because if they would have sent back the cashiers check at time of rejection XXXX XXXX XXXX would have sent a new check for the new amount before any negative reportings or late charges were applied. Instead, US Bank held onto the check from XX/XX/XXXX until XX/XX/XXXX. During this phone call on XX/XX/XXXX XXXX XXXX XXXX with US Bank ran a new payoff quote of {$28000.00}. This payoff quote was good through XX/XX/XXXX. XXXX XXXX XXXX sent this money to them via wire as instructed by XXXX for {$28000.00} on XX/XX/XXXX as instructed and sent new titling instruction paperwork and odometer reading paperwork same day to fax number : XXXX as instructed. We were told the turnaround time would be 4 days until XXXX XXXX received a title if we sent this to them via Wire. Got a letter in the mail dated XX/XX/XXXX from US bank stating they had received our payment, but was again missing the odometer reading paperwork and titling instructions, received this letter via XXXX tracking number : XXXX. Sent them a letter back following day on XX/XX/XXXX with copies of the wire, payoff quote and completed paperwork that was ALREADY faxed to them on the XX/XX/XXXX. Sent this letter and information to US bank via XXXX next day air to XXXX XXXX tracking number : XXXX. Received a phone call several days later from a US bank rep stating that they were still trying to collect payment from me, told them that they should have all of this information, she then put in a request for a manager to reach out to me. Got a phone call from XXXX at US Bank in regards to this, she stated that they got the paperwork and the money as well as the payoff quote and would send that over to the lease maturity department to put on record ( not sure why she was just sitting on the paperwork and hadn't given the paperwork to the department it needed to go to yet ) she stated that should be in touch with me in regards to them honoring the payoff quote as we had provided copies and proof of the new payoff quote from one of their representatives. Got a phone call back from XXXX XXXX on XX/XX/XXXX stating that the representative that I spoke with on XX/XX/XXXX quoted me wrong and that this US Bank ( XXXX XXXX ) representative didn't include the sales tax in the payoff quote and ran me as a dealer payoff instead. Expressed my concern with XXXX that this wasn't my fault and that they should honor the payoff of {$28000.00}. I also reminded XXXX that during my phone call with XXXX on the XX/XX/XXXX I had made it very clear with her for over an hour that the purpose of this would be for a purchase at another bank. XXXX told they wouldnt honor the wrongful quote of their representative that was provided in writing and that the only option to fix THEIR OWN MISTAKE would be that XXXX XXXX or myself pay the sales tax out of pocket to the DMV and provide proof of this payment to them or send them the money for the difference in the sales tax that they themselves made a mistake on. I told her that since we have everything in writing and the phone call was monitored and recorded on the XXXX that this should be honored in mistake of US bank. XXXX told me they wouldnt do that and taxes needed to be collected ; XXXX then transferred me to a lady to get a new payoff quote, the lady I spoke with after her couldn't pull a payoff quote as my account balance showed XXXX .... I called and left a voice message with XXXX on XX/XX/XXXX on her direct line ( XXXX ) for her to call me back. Didn't get a phone call back. Called again on Friday XX/XX/XXXX spoke with a gentleman from the lease maturity department in regards to him pulling a payoff quote for the difference in the sales tax balance, he stated that my account showed a XXXX balance and paid off therefore he couldnt run me a payoff quote that XXXX was referring to .... Told him the situation and what manager I was working with, he put in an email request for her to call me back as she was out of the office Friday. Spoke with a lady by the name of XXXX on XX/XX/XXXX from the lease maturity department. She got in touch with the manager ( XXXX ) about what is going on with my account as the account shows paid off with a XXXX balance still. She reached out to XXXX with the titling department. Per XXXX at the titling department they had finally sent out the title for my loan as of ( XX/XX/XXXX ), they sent this via standard mail. She stated that a check for the taxable amount of {$1400.00} was also sent alongside this title via standard mail and that once this was received myself of XXXX XXXX would still need to provide this sales tax amount back to them. Tue XX/XX/XXXX XXXX XXXX received the title and check for taxes. On Tuesday XX/XX/XXXX the title was brought down to the DMV alongside the sales tax check that was from US Bank made out to the DMV. Lien position was updated to reflect XXXX XXXX XXXX. I called US bank on Tuesday XX/XX/XXXX because the check provided by US Bank reflected a different amount than what was quoted for the sales tax, I confirmed with one of their representatives in the lease maturity department that the sales tax was in fact only {$1400.00} and not {$1500.00} since this is the amount we received in the mail via check from US Bank. Was assured that the sales tax owed was only {$1400.00}. This check for the difference on behalf of US Banks mistake was sent to US Bank via XXXX on XX/XX/XXXX tracking number XXXX. Got a call on XX/XX/XXXX from XXXX from us bank stating that I would need to call them back, found out they were asking for the check for taxes that was sent to them they stated that they have not gotten it yet. Provided the tracking number and the amount that was sent to them, they acknowledged the delivered notice on this tracking number and told me they would reach out to the department and make a note on the account in regards to this and try and locate exactly where this check was and why it hadnt been applied to the account yet. Please see all supporting documents for this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83704
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, ( Turner v. Experian Info. Sols., Inc. , 2018 WL 3648282, at *3 ( 6th Cir. Mar. 1, 2018 ) ; Peart v. Shippie, 345 Fed. Appx. 384 ( 11th Cir. 2009 ) ). At this time, Ive provided the information to the credit reporting agency on XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act ( Andrews v. Equifax Info. Serv., 700 F. Supp. 2d 1276 ( W.D. Wash. 2010 ) ). In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, one court noted : [ t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. ( Poore v. Sterling Testing Sys., Inc., 410 F. Supp. 2d 557 ( E.D. Ky. 2006 ), citing Bryant v. TRW , Inc., 487 F. Supp. 1234, 1242 ( E.D. Mich. 1980 ), affd, 689 F.2d 72 ( 6th Cir. 1982 ) ). I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. ( Rothery v. Trans Union , L.L.C., 2006 WL 1720498 ( D. Or. Apr. 6, 2006 ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( 15 U.S.C. 1681e ( b ). See Williams v. First Advantage LNS Screening Sols., Inc. , 238 F. Supp. 3d 1333, 1346 ( N.D. Fla. 2017 ) ( CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. ( Carroll v. Exxon Co., 434 F. Supp. 557 ( E.D. La. 1977 ). Cf. Smith v. Ohio Sav. Bank, 2008 WL 2704719 ( D. Nev. July 7, 2008 ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ). In Cahlin v. General Motors Acceptance Corp., the Eleventh Circuit explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX. Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax Info. Serv. L.L.C., Experian Info. Sols., Inc. , and TransUnion L.L.C. , IV ( F ) ( 6 ) ( May 20, 2015 ) ), and supervision by the Consumer Financial Protection Bureau XXXX the system was somewhat reformed, but serious deficiencies remain ( XXXX XXXX XXXX , XXXX XXXX & XXXX XXXX , XXXX XXXX XXXX : Ten Years after a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors ( XXXX XXXX XXXX ) ). In my research, according to FCRA 611 ( a ) ( 1 ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XX/XX/XXXX to provide their response to my investigation. The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from F B & T, how are 1 ) they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and 2 ) how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In early XXXX of XXXX, I contacted XXXX XXXX from US Bank to discuss the possibility of buying a vacation home in XXXX, AZ. In mid XXXX XXXX after reviewing my credit, bank statements, taxes, etc ), I received a verbal approval by phone that I was ok to travel to XXXX, find a home I like & that US Bank would finance it up to XXXX & maybe more. I also received an email confirming this amount on XX/XX/XXXX. Based on this approval, I flew our family out to XXXX to begin looking for our vacation home & began putting in offers the week of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX gave my realtor a letter confirming my pre-approval. On XX/XX/XXXX, we had an accepted offer on a house that we liked & began to move forward with the next steps to close on the house. We paid out of pocket for an inspection on the property & paid US Bank to conduct an appraisal which valued the home higher than our accepted offer. Everything seemed to be lining up & working out greatly. Then, on XX/XX/XXXX, I received notification from US Bank that they would no longer finance the house due to something in my taxes. I consider this to be ridiculous as they had my taxes & looked thru them prior to the approval. Why were my taxes ok at application time, but not XXXX weeks prior to closing? Yesterday, we lost our dream vacation home as the sellers refused to extend closing time to allow for financing with another bank ( which I was approved for at XXXX XXXX XXXX XXXX XXXX. So, there is the story. As you can see, this is upsetting to be lied to by a bank, but this situation is especially upsetting due to all the costs incurred. When I look back & start adding them up, they add up quickly, but heres a breakdown : Travel costs : {$4000.00} ( aprox ) Loss of work to travel : {$2000.00} Inspection : {$600.00} Appraisal : {$390.00} Earnest : {$4100.00} ( wire transfer fee included ) As you can see, I threw away over {$10000.00} of my hard earned money due to the banks actions. In addition, my realtor & accountant worked hard with US Bank to make this deal happen, only to see their hard work lead to nothing. In addition to that, the sellers also made approximately $ XXXX in improvements ( requested by me as a result of inspection ), so they are impacted as well. As you can see, many parties were impacted by this. In conclusion, I think its important for banks to not give approval unless they are going to stick to it. Obviously, some loans fall apart due to borrower actions between approval & closing. This is not the case here. The lies of XXXX XXXX XXXX US Bank have cost lots of time & money & I think its important to prevent this from happening again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52403
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
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: I purchased a refurbished laptop from an XXXX seller on XXXX XX/XX/XXXX and paid via XXXX using my US Bank Cash Plus Visa credit card. This laptop started to malfunction in XX/XX/XXXX but I believed the issues had been resolved. The issues returned in XXXX XXXX and intensified. I called an IT service professional, who upon opening the laptop discovered a faulty hard drive as well as a malfunctioning fan. He was unable to close the laptop up again and cited poor workmanship when the item was originally shipped to me. I use my laptop to work and had to find a replacement. I contacted the seller through XXXX who ignored my messages. I contacted my credit card company on XXXX XXXX to launch a dispute against this seller and claim a chargeback for the full amount. On that date, I was given a temporary credit for the full amount and told that an investigation into the dispute would be launched. After 3 weeks and receiving an email telling me that my case was nearing a resolution, I called my credit card company again. I spoke with a representative who advised me that my case had been resolved and said it looks like were going to be giving you back the credit for that transaction. I was very relieved to hear this. However the next day I checked my account and saw that the credit had been reversed and I showed as owing the full amount of {$480.00} for the transaction for a faulty product. I again contacted my credit card company to inquire as to the reason for this, and was told that because my dispute more than 60 days after the transaction they couldnt give me a credit for it. I pointed out that a ) this had not been mentioned to me when I launched the dispute and b ) the dispute should never have been accepted if that timeframe is their policy. In addition I pointed out that I had been told by phone that in fact the credit would be applied in my favor and that as this was in a recorded phone call then the company had to honor it rather than just saying that it was a mistake. I was told that the matter would be investigated. I then called XXXX to see if they could intervene, as they have a window of 180 days within which to initiate a dispute. I was told that I had missed that window by 11 days and so they were unable to help me. If my credit card company had told me accurate information on XXXX XXXX I could have contacted XXXX and launched an investigation that would very probably have resulted in a ruling in my favour. Today I called my credit card company once again to enquire as to the status of the investigation. I was told that the representative who had told me incorrectly that the credit would go on my account was being given coaching so as to not make similar mistakes in the future, and that my request to apply the credit had been denied. I asked why I hadnt been immediately turned down for the dispute on XXXX XXXX and was shut down immediately with a comment of youre free to take this up outside the bank. I said that I couldnt go to XXXX as a direct result of US banks incorrect information as their window was now closed to me. I was told once again that my request for credit was denied and that I would have to resolve the matter outside the bank. The entire chain of mistakes was caused by US bank Visa and they have refused to admit to any wrongdoing or apply the credit for an item sold by an unscrupulous seller.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied with US Bank my current HELOC holder for a subordination related to a refinance. They charged me a {$250.00} up front fee and did not tell me I would need to provide a full appraisal on my property in order to have my request reviewed. If I knew of that requirement I would not have paid the {$250.00} and I would not have submitted the request. I do not have a full appraisal and will not provide one. An appraisal is not necessary and it should not be required for the subordination as my 1st mortgage refinance is not a cash out. My HELOC is also at a XXXX balance. I am a mortgage professional so I know underwriting guidelines and normally lenders do not require an appraisal if my 1st mortgage refinance is not a cash out. I tried calling US Bank today multiple times today to discuss the issue and see if there is a solution. I also wanted to know why they did not tell me the requirements of the subordination before collecting {$250.00}. They refused to put anyone on the phone. They said that department is private and they are not allowed to give out the contact info. They also tried telling me to have my mortgage company call them who was handling the refinance. I told them I am calling from the mortgage company handling the refinance. I actually work for the mortgage company. US Bank collects {$250.00}, does not advise what is required for the process, then cashes the check and denies the request asking for something I can not provide. They do not allow anyone to call and find out how to resolve the denial and refuse to allow both the requestor and customer talk w their underwriting. I would not have paid the {$250.00} if I knew they would require an appraisal. I would not assume it's necessary because in my 30 years of being a mortgage lender I have never seen this requirement unless it is a cash out refinance. US Bank is free to have their own guidelines, even if they make no sense. However, they can not charge {$250.00} and then tell a consumer after the fact they need something the consumer can not provide in order to complete the service they charged for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: Can't get money, or use the card. I have verified several times. It is not right. Fix this please. Need the card activated. Have XXXX XXXXXXXX dollars and can't get the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX and i am a laid off roofer of 26 years and due to the weather in the NE i have had no work. I am about to be homeless and my bills are not paid. I need immediate relief. US bank has my unemployment monies from the last 2 months and my family and i need thus money to survive. On or around XX/XX/XXXX I had changed my home address and my debit card from US Bank was frozen. i have made several attempts including reaching out to my PA state representative XXXX XXXX since the deposits are from PA unemployment and have gotten nowhere. The fact that there are no US bank offices in PA, NJ, NY, Delaware the surrounding states made it impossible to actual go there and straighten this out. On XX/XX/XXXX I finally got through to someone and sent them a picture of my ID and mug shot as requested. I was told it would take 2 days. I am besides myself I have not be able to access my money to support my family nor buy food. After 4 hours today on XXXX i was told that the information i had sent them was blurred and not acceptable. They did not try to reach out to tell me that the information was not legible. i received that information from 2 very non caring individuals one of which was a supervisor named XXXX ( she would not give me her last name ). She had no compassion for my issue and the only relief she offered was to resend the information and wait,. You will notice that US bank 's website does not offer any phone number to speak to anyone therefore the only number i had was the number on the card in which i have spent countless hours waiting to speak to someone only to get disconnected The people at US bank should be held accountable for their actions as they simply do not care if my family eats and she refused to escalate the matter. I am tired of the run around i need my unemployment monies now. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was ready to close on a mortgage for a property we were purchasing. The date of the closing was XX/XX/2020. I was ready to close, had my down payment ready, etc. then just less than a week before closing we were told a hole new story. The property was zoned residential, but the building could not be lived in because it didnt meet egress codes. I see no reason why we couldnt have closed on the property, got their mortgage ; and then deal with the other issues after the holidays and the winter weather, etc. In the meantime we have spent several thousand dollars are inspections, architects, more applications, etc. then this week they said the would not finance us at all because they dont deal in such high risk projects. They, started this whole process, only to back out now! This isnt fair to us after jumping through all their hoops for 6 months, nor is it fair to our sellers. By the way, they should not have had to wait so long. Theres no reason we couldnt have closed XX/XX/XXXX, and waited till nicer weather to deal with the construction issues! Sincerely, thank-you for your help with our issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received an USBank Reliacard for benefits I did not apply for and for a a state in which I do not live. Reliacard provides you no ability to cancel the card or to report the fraud. The automated system will simply disconnect you if you are not providing the information to activate the benefits card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A