Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY US BANK PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX BUSINESS AND XXXX BUSINESS AND XXXX, XXXX AND XXXX DOES NOT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76208
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: The credit card company denied my application upon my response to its promotional offer and repeated its denial twice afterwards upon my applying for reconsideration. The credit card company sent me a letter ( photo copy attached ) listing the reason for my having been denied the credit card I applied for. I object to the reason in the letter attached as follows : I am only utilizing only eight percent of my available revolving credit that has been extended to me by credit cards companies including this credit card company which I pay off completely every month and maintain a XXXX balance presently with this credit card company on two of its credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I lost my job due to Covid in XXXX of 2020 and entered the forbearance programs for a second mortgage, a primary mortgage, and two car loans all with different institutions. After obtaining a new job, the primary mortgage and car loans have been successfully removed from forbearance and I am current on payments. We have been attempting, since I believe XXXX of 2020, to resolve the forbearance on our second mortgage. Due to a sequence of missteps from the lending institution we have been unable to successfully resolve the situation. In theory the current state is that the mortgage is in review to append the current past due amount to the end of the loan. This was in theory sent to an underwriter on XX/XX/XXXX with a 30-45 day turnaround time. I spoke with the bank again on XX/XX/XXXX and they told me to call back in a week or two, bringing that review to up to 60 days. At this point I don't believe them because in previous conversations they claimed we were at the same state several times, and they claim that I turned down the modification. I did no such thing. I am concerned that they will again lose the current state and we will have to start all over again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: As I have mentioned repeatedly to US Bank concerning this credit card that the balance and monthly payments were outrageous and the transactions leading to large balances and monthly payments were not mine. As to remain in good standing with US Bank I explained my financial hardships on numerous occasions voicing the minimum payment was near impossible to pay even though I had no memory of these transactions or how the balance could possibly be that high. I negotiated with US Bank to place me into a hardship payment program but the monthly payment never reflected the payment that was agreed upon. Each month I received a notice for a payment far higher than the financial hardship payment and ever month the payment would skyrocket to 2-3 hundred extra dollars a month and they had the nerve to think I could possibly afford it even though I claimed I didn't contribute to the high balance. US Bank tried to completely take advantage me and my financial situation it was nothing short of being abusive. After having enough of the abuse I explained I was no longer paying towards a balance I felt wasn't mine. But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. Dependent upon the response, I will detail any potential issues via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged NSF fees of {$72.00} on a negative bal of {$5.00}. when I spoke to 2 associates on XXXX I was told they Couldnt do anything even though I never was notified of the bal via phone email or standard mail. Apparently they dont think it's predatory to charge {$72.00} on XXXX cents. - {$5.00} in my calculation I had a positive bal because of a refund {$8.00}. From a murchant from the past. I was never offered to have the over draft protection canceled. or that I would have anyone look into it further for peace of mind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
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: A charge was made on a card at a hotel at a XXXX XXXX on XX/XX/XXXX. I shredded the card I had in XXXX and never received a replacement card nor have I ever used the card since XXXX. I disputed the charge and they sent a letter saying that the charge was verified using a chip therefore I was responsible for the charge. They provided no evidence that I used the card. I later found that the card was used in XXXX XXXX Texas. I was working in XXXX Texas the day the card was used, which can be verified through my employer, and I filed a police report with the XXXX Police Department ( report no. XXXX ) providing a sworn statement that I had no knowledge of the charge nor did I authorize the charge. I also provided a statement that a card may have been stolen through the mail. The credit card company has continued to not consider this information and I can not get anyone to return my calls to resolve this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/XXXX my husband was a victim of fraud. {$48000.00} was taken from our US Bank account via a wire transfer. I immediately contacted US Bank and was told that the wire was pending. I pleaded with them to cancel the transaction, nope I found out that the funds were released and I might add this was done within 4 hours. Which leads me to believe this was an inside job. I contacted XXXX XXXX via phone and email which he did call me back and told me it was out of his hands, seriously ... He proceeded to transfer me to US Banks fraud department and spoke to XXXX XXXX, his words to me ; i should contact XXXX 's police and find out what happened. On XX/XX/XXXX I filed and FBI and Police Report. On XX/XX/XXXX I received a call from a District Manager, XXXX XXXX telling me that the US Bank is taking action, seriously 1 week later. I was also told to stay out of the XXXX XXXX XXXX, XXXX XXXX, IL. because I made a scene. I will make a scene when it comes to {$48000.00}. On XX/XX/XXXX i wrote to the US Bank 's CEA Mr XXXX XXXX. I got a responds from XXXX XXXX Executive Communications and basically was told I'm out of luck. On XX/XX/XXXX I filed a complaint with the Illinois Attorney General 's office, have not heard back from them. On XX/XX/XXXX I submitted a complaint to the fraund.ftc.gov
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
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: On XX/XX/2020, I noticed that there are a number of transactions on this credit card statement which are not authorized by myself. I called the Fidelity Rewards Visa and disputed the charges line by line. The fraud claim # is XXXX. The total was {$11000.00}. I was told that everything is taken care of and I don't need to worry. On XX/XX/2020, I noticed that all those charges initially credited are reversed back to debit to me. The claim has been closed and in the meantime, there are four more charges posted after XX/XX/2020 that are not authorized by myself. So I disputed on these four charges total {$1700.00}. The claim # is XXXX. I do not know the resolution on the second claim but for the first claim, I request to reopen the claim since these charges are not made by myself and and I should not be responsible for them. The reason to reverse the charges back to me which is eluded to me by the company 's representative is that they think I must have authorized the transactions since the physical card is still in my transaction and these card can not be compromised. I have to strongly disagree. Yes, I have the physical card with me all this time. But It did not translate automatically to that I must have authorized them. I know I did not. I have since filed police report with XXXX police Dept XXXX Officer XXXX case # XXXX. In those charges in question, there are charges made at XXXX XXXX and XXXX XXXX XXXX. I believe the credit card company should be able to find who checked in the hotel and whose membership are used along with the charges made at XXXX XXXX XXXX. I believe that these traces can lead to the person/persons actually committed the fraud and to find how they committed the fraud. Fidelity Should make them liable instead of me. If they can locate the person, it would also prove that there is something wrong with the system ( charges made without signature ) and it can be compromised. I just want Fidelity to reopen the claim and relieve me from the debt I am now in. Give justice to me and the society by going after the true criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ok so in XXXX my house burnt down XXXX XXXX county oregon wildfires, then had to move, bank, made a few errors by sending my card with pin to wrong address muilple time stuff / money was stolen like 10 thousand out of account made police report, showed bank was not even in that city, and was denied refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Fidelity reported me late to credit bureau for a transaction in dispute. Fidelity eventually refunded me interest and late fees, but haven't corrected reporting to credit bureaurs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A