Date Received: 2021-01-28
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received visa debit card in the mail for activation. I didn't request this card. My personal information has been stolen because I've also been issued an Unemployment Insurance PIN and I haven't requested unemployment benefits. I'm thinking whoever stole my personal information also had something to do with this credit card request. The card website is usbankreliacard.com
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXXXXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, 2020, US BANK XXXX XXXXXXXX add a hard inquiry on my credit reports. On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I can not get U.S. Bank to remove me from their mailing list ( email offers ) for various accounts I have with them. I contacted them in XX/XX/2020 and subsequently followed their advice to make all of the proper settings on their website. The emails started again in XXXX and after a fairly worthless exchange of emails I followed their advice and called their customer service number. The agent was polite and responsive. After a modestly lengthy " hold '' period she told me she " thought '' the problem had been solved. Yesterday I received yet another email for the credit card ending " XXXX ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of XXXX I did a change of address in my account and the bank froze my account and card saying I needed to send in a current Id in order to get to my funds. I couldnt get an appointment to get a new id until XX/XX/XXXX. I have bills going past due and my phone has been cut off because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I am writing concerning an old US Bank credit card. The credit card was secured with a XXXX deposit. US Bank is currently listing the account as a Charge Off, obviously they kept the deposit for the account, so I am at a loss as to how the account can be reported as a charge off. While I understand that a charge off is an accounting term, furnishers of information are required to ensure that the reporting of consumer accounts is accurate and reflects their experience with the consumer. This account is listed in my file as a charge off, which indicates that I failed to pay the bank for the debt which is untrue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home loan with US Bank was in a forbearance period due to COVID-19. I obtained a 6 month forbearance. The forbearance period ended on XX/XX/2020. I contacted the lender three times in XXXX. On XX/XX/2020 I was approved for a PAYMENT DEFERRAL MODIFICATION. I chose that the 6 months of forbearance mortgage payments to be added to the end of the loan period. I also let them know I was ready to resume regular monthly payments. I let them know that I did not want to refinance the loan nor was I seeking mortgage assistance. I was informed that I would receive documentation in the mail noting the approved payment deferral modification and that all would be settled responsibly. Furthermore, that the loan status would change and that the loan would not appear in forbearance any further. This did not happen. I have not spoken with 20 different bank employees in their Loss Mitigation Department ( XXXX ext. XXXX ), on 10 separate phone calls. Every time I call, they give me a different response to the situation. I tell them that I have already been approved for the solution that was agreed upon and that I just want to complete the process so that my loan status changes to NORMAL. They always tell me that the problem was that one of their employees gave me erroneous instructions and that there is a loan assistance application is in their computer system. That this erroneous application needs to be deleted from their computer system so that the agreed upon loan payment deferral modification can be completed. They promise that they will complete this task within a few days but it is never completed. I ask to speak with a department manager and they tell me that they don't speak with the public. I ask them if I can speak with the person ( s ) that are responsible for deleting this erroneous application from their computer system. They tell me that those people don't speak with the public. I ask them if they can delete this erroneous application file from their computer system and they say that they don't have that type of access to their computer system. I have run out of options hence, why I am filing this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was on a 180 days forbearance period. After that I could start making payment to the bank. However I could not do the regular payment so the bank offered me a flex loan modification. They extended from 30 to 40 days the loan adding the part of the loan I could not pay to back of the loan They send me all the document and as only requirement was to go thru a trial period of 3 month making regular payment for the new amount of the loan starting on XXXX to XXXX. Which I did with no problem. To my surprise my flex loan modification was denied due to an error in their system. I called the bank On XX/XX/XXXX and i spoke to a customer relationship manager and he said no worries about it due to this error on the end they will fixed due to I have done and completed all the requirements. I have called the bank several times since alll this started to follow up Since XX/XX/XXXX I have been calling to the bank until XX/XX/XXXX they always said they are going to fix it, they had escalated the issue to their superiors and someone will call me with an updated nothing has been done. I have all the call documented and the names of the persons I spoke with. Already pass more than a moth to fix something in their system. Meanwhile the bank is calling me all the time to collect and they said they will proceed to foreclosure if I dont pay what I owned. The bank on The first week of XXXX reported me to the credit bureaus as delinquent. My credit score from XXXX drops to XXXX. I have credit card with cero balance where they have reduce my credit line due to a mayor delinquent report on my credit report. I feel frustrated, this is my home where I live with my family. We have done everything to fix this and we continue making payments as the flex modification loan contract said. Is this legal during the cares act????? What are my right???? Please help!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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: Reopon Complaint XXXX US Bank was notified within 60 days via XXXX in several exchanges : XXXX XXXX. U.S. Bank Email Operations Department [ THREAD XXXX ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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: XX/XX/XXXX I received a statement for {$3600.00}. I paid this in full, on time. After that I stopped using this card and received no further statements. XX/XX/XXXX I suddenly receive a debt collection letter from XXXX XXXX XXXX on behalf of Elan Financial Services for {$7300.00}. I had never heard of Elan Financial Services before, as far as I knew my credit card was with XXXX XXXX XXXX. Every single statement I had received from when I opened my account until my final statement on XX/XX/XXXX never mentioned Elan Financial Services anywhere. Once I was made aware that my card was actually with Elan Financial Services, XXXX XXXX XXXX sent me all statements, at which point I was able to see that fraud had been committed with my card. I had never received any statements past XX/XX/XXXX, despite there having been activity present ( not by me ). Had Elan continued to send me my statements, I could have alerted them to the fact that there is fraud. Elan simply continued adding late fees and interest charges to my account, never contacting me, never sending me a statement or any other documents to let me know what was happening. Apparently my card was being used in XXXX and XX/XX/XXXX still, and it wasn't me. They also neglected to alert me when my credit limit was exceeded by whomever was using it. Elan Financial Services did not perform any of the most basic things every other credit card company does - send me my statements, alert me to exceeding my credit limit ( again, that wasn't actually me ), alert me to excessively large purchases being made, or alert me to suspicious activity. There were several large charges supposedly from Systemic Formulas amounting to about {$2500.00} in a 2 week time period. That is a supplement company I use a lot for my business, which is why I didn't notice right away, but as it turns out these charges do not correspond to any orders I placed with Systemic Formulas. Nor does Systemic Formulas have any records of receiving those amounts. These are charges that were on the statements that had never been sent to me XXXX and I wasn't expecting statements as I wasn't using that card ). Throughout my investigations, I also found that on the XX/XX/XXXX statement that I had paid in full, there was already a fraudulent charge for {$1600.00} that I had paid, not realizing that this was fraud from Elan Financial Services. Despite Radius Global Solutions sending my file back to Elan Financial Services, Elan never reached out to me. I made many attempts to reach Elan Financial Services, I always ended up in never ending transferring loops and usually ended up in a dead end. My assistant tried. My lawyer tried. I sent them a fax on XXXX. In the fax, I was still willing to take on some of the financial responsibility, because I simply couldn't understand what had happened. Then I had investigated and found all the fraudulent charges done in the name of Systemic Formulas, etc. My lawyer mailed them letters, and made it very clear that I do not owe them and what they need to do to rectify this fraudulent situation. Even an employee at XXXX XXXX XXXX tried to help us, she got nowhere. We got no response from anyone. I also discovered that Elan had done many credit checks on me, but never reached out to me about any of the charges or unsent statements. My lawyer referred me to a consumer protection lawyer. He took a look at everything and suggested if Elan Financial Services isn't doing anything to rectify any of it, to just leave it be as pursuing this would incur very high costs for me. While I found this highly concerning as fraud was committed against me, I had no other clear option. But then, on XXXX, I receive a debt collection letter from XXXX XXXX XXXX on behalf of Elan Financial Services for {$1400.00}. I called XXXX XXXX XXXX right away and informed them there had to be fraud as there was before, and they sent it back to Elan Financial Services. 2 days later, Destiny in the fraud department of Elan Financial Services calls me, and explains I need to request the statements so I can specifically tell her which items are fraud. I called Card Member Services of Elan Financial Services as I was told, and was stuck in never ending transferring loops as each person told me they can't help me with that. XXXX even told me I can't make that request as my account is closed. Finally, someone in the legal department says she can help and places that request for my statements. She also updates my address, as each time I call the zip code I had to state was unclear. At times it was the original practice location zip code, then my old home zip code in Colorado, and then sometimes my current zip code. 2 weeks later, I still had not received my requested statements. I tried calling XXXX in the fraud department of Elan several times, each time it went directly to her voicemail. At this point, her voicemail even says she's with the cardmember services and does not mention the fraud department anymore. She has not responded to my voicemails either. So I called cardmember services again. XXXX very politely kept me on hold for 30 minutes while trying to find someone to transfer me to who might be able to help ( I was just trying to find out about the status of my statement request ). She finally connected me with XXXX, who was exceptionally rude and after more time wasted, I was finally told to call the debt collection agency. This was surprising as they had already transferred my case back to Elan several weeks ago. I spoke with someone at XXXX XXXX XXXX again, and she was very apologetic and confused as my case had been sent back to them from Elan despite my telling them there is fraud. Instead of mailing me my statements so I can clarify the fraud, Elan Financial Services sent me back to debt collection. XXXX XXXX XXXX, knowing this is not correct, has asked me to wait for another 1 -2 weeks for them to find out how this could've happened. I'm attaching some of the documents, there are far more if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 824XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX ( NMLS # XXXX ) representing US Bank provided a clear to close for the buyer of our townhome on XX/XX/XXXX for a scheduled closing date of XX/XX/XXXX. The day before closing, on XX/XX/XXXX at XXXX XXXX, XXXX admitted that a final Closing Disclosure was never issued to his borrower. As a result, closing would need to be delayed by three days. As we were also closing on the purchase of our new home on the same day, our closing had to be delayed as well. We suffered numerous expenses including moving truck expenses, housing, meals, personal days from work, and distress to a new mother. COVID-19 exasperated these issues. On XX/XX/XXXX, we sent XXXX and US Bank a letter detailing their negligence, and seeking a resolution. There was no response. On XX/XX/XXXX I called XXXX/US Bank to follow up and received no response. On XX/XX/XXXX I emailed XXXX/US Bank to follow up and received the response that there was no resolution available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A