Date Received: 2020-11-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have had a Heloc 2nd Line of Credit for over 10 years with US Bank. In the last few years, I have had some health issues ( all resolved thankfully ) combined with a change of my profession. This has caused some late payments. I was in the process of a loan modification with US Bank where I was simply asking them to review and make changes so that the payments were manageable. DURING THE MODIFICATION, process in the last 10 months, they decided to file an N.O.D. on the loan. This was WITHOUT any type of discussion or forewarning. This happened " 2 days after US Bank requested updated financials, et al, which I immediately provided. '' The next thing I know, I discover that the Notice of Default was again, filed. I was SHOCKED. I immediately made arrangements and made the loan current by paying {$13000.00} to cure the loan. Now, effective XX/XX/2021, the End of Draw period will occur. This means the payments will go from interest only to Amortized payments which will increase the payments drastically. I have been discussing this fact with US BANK for the last 2-3 months. I was told to apply for a new 2nd loan ... .. I have the loan application completed on the US BANK website, but I have not submitted. They have requested 2-3 simple documents which I have to obtain thru their website. Well, their website does not clearly provide those forms. I have called US BANK to ask questions and get more assistance however their customer service is non-existent. The banker, XXXX XXXX ( XXXX XXXX ) does not answer his phone nor has he returned my 4 voice mail messages. It's impossible with my work schedule to constantly call and navigate their system. I have gone to the local branches to get a face to face meeting with somebody in management, however, due to the Covid situation, the brick and mortar locations are not open for communications. They say to go on line. Hence my current situation. This is extremely unprofessional. I am a professional and would expect to be treated as such. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
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: Upon checking my consumer credit reports on XX/XX/2020, I discovered that my Comerica Visa account XXXX Account was marked with a 30-day late payment on all major credit bureaus for the month of XX/XX/2020. I immediately contacted Elan Financial to speak with their representatives on the matter and was told I had to write a letter to their credit dispute department. My account was current for XX/XX/2020, I also placed my account in a deferment to avoid any further impacts to my credit during COVID-19. I disputed the 30-day late information in a letter written and mailed directly to the Data Furnisher Comerica Visa account XXXX on XX/XX/2020 to address my concerns. I discovered that my Comerica Visa account XXXX account was notated with the AW - Natural or Declared Disaster Code with all major credit bureaus as a result of COVID-19. Upon the code being added, the negative information on my account. I immediately called Comerica customer service back to ask what the code meant and how it would impact my credit because I was confused by what was happening. I was told by Comerica customer service that my account would not be impacted and it was a notation only because I had deferred my account payments. At this point I thought my dispute had been resolved and everything was fine, meanwhile I did not know my rights were being violated. In response to my credit dispute letter, Comerica customer service explained that they understood I was having difficulty. Meanwhile, my credit score dropped 45 points and my Comerica Visa account XXXX account reverted back to a negative status leaving me even more confused as to what was going on. At this point I managed to do a significant amount of research on my consumer protection rights and realized that my rights had been violated. And according to the [ Consumer Data Industry Association Credit Reporting Resource Guide FAQ 58 ], reporting on an account affected by a Natural or Declared Disaster should not have any record of delinquency or negative information reported during the period of which a Natural or Declared Disaster exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been cancelled on my home owners insurance, which under my conventional loan/policy I must have on my property. My Homeowners insurance is through XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX Telephone : XXXX ). The bill was supposed to have been paid on XX/XX/2020 in the amount of {$2500.00}, and the lender, US Bank Home Mortgage ( U.S. Bank Home Mortgage, XXXX. XXXX XXXX, XXXX, MN XXXX XXXX : XXXX XXXX, who handles the escrow, failed to pay. I have contacted them on multiple occasions, one date being XX/XX/2020 where they verbally told me via the phone that they had written a check # XXXX and that it was getting mailed via USPS tracking : XXXX, and that it was going to be over nighted. After following up with my home owners insurance XXXX XXXX XXXX XXXX one week later on XX/XX/XXXX, they still had not received it. I then followed up on XX/XX/XXXX with XXXX XXXX, and they stated they still did not have it. At this point I am baffled and feel stuck that there is nothing I can do. US Bank still continues to tell me that they sent the payment. At this point XXXX told me on XX/XX/XXXX that if they don't have it, it likely was not sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Card has been blocked have faxed documents to verify my address four different times following the directions of the agent that I am in the phone with.From House of iRepresentative XXXX XXXX office on XXXX I was told that they came across as not being able to read.After waiting a total of 5hrs for a agent to help me.I was informed that it would take five business days to have a answer to my question. While I have no money to pay for food and shelter I am told that I would have to send documents over a fifth time. The very helpful employee of State Rep.XX/XX/XXXX ( ms.XXXX ) can't understand why they are receiving and unable to read faxes and has never experience this problem.on XX/XX/XXXX I received a letter from USBANK cardholder services XXXX XXXX XXXX XXXX XXXX fl XXXX. I called on XX/XX/XXXX waiting over a hour to find out why the letter states " no further action is needed '' yet I still can not use the card. The fact of me exhausteing large amounts of time back and forth to the office of st rep and holding on the phone to he told once again I would fine out in five business days.I have a letter in my hand mailed by usbankrelia card to XXXX XXXX and on the phone I am still not verified. This is a disgrace and have been out in a desperate situation.Depend in that money to live and pay bills.XXXX XXXX XXXX I have not received a call back from a supervisor to explain to me why there is not a email address that could be used instead of the outdated fax system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am trying to close my checking account with U.S. Bank due to charges coming through that were not mine and they refuse to close it due to it being in the negatives from these charges. I have tried to resolve it with there fraud department and they have claimed that they do not know how to fix the problem and continue to charge me fees putting it farther in the negatives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Received a card not requesting one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Open in the account XX/XX/2020 with US Bank after paying off a debt I owe to the bank being Ave from the worker bee Branch sure that was there that XXXX I was notified that I can open a bank with them after going to the regulations to verify that I owed with XXXX XXXX and paid off my debt I open an account deactivate my account was closed due to suspicious fraudulent activity is what they said none the less I am being told that it was a third-party investigator investigation company of some sort that I notified under eye can I open an account they took the money that I had in my account and my account has been closed after that do I have to buy money coming from this account has been closed in my name and they expect me to pay off this money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was charged about XXXX dollars in XXXX from XXXX. I was also charged an additional about XXXX dollars from XXXX as well as 2 separate charges billed through XXXX for wish orders roughly XXXX dollars and the other XXXX dollars. I also hard a random XX/XX/XXXX charge for roughly XXXX dollars all in XXXX. More recently I have seen multiple XXXX XXXX purchases and transfers on my account all in the month of XXXX for XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars XXXX dollars and XXXX dollars. All of these transactions were never once made on my behalf let alone my account. I did report every single one of the charges and usbankreliacard decided to close my case in only a 14 day time frame without even doing the proper investigation because if they had that done they would of clearly seen that there is absolutely no proof whatsoever that I got any items to my household let alone any proof that I ever made any of the charges on my account. They have been reported as fraudulent charges on identity thief, XXXX and now cfpb. All I want is my money back that is rightfully my money back. I never gave permission or authorized anyone to use my card anywhere in anyway and at any given time. I need my money. And I need my money back now. I was supposed to get a provisional credit within 10 business days but I never even got that. I need help. And I need help now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: continuously for the last 6 weeks ive been having issues with usbank disabling my online accounts so i can not get into any of them including my checking savings business accounts and credit cards so i can pay my bills on time and not be late. they are distroying my credit by making me be late on my payments by locking me out of my online banking and then taking away my limit on my XXXXcc card i had a limit of {$8300.00} and now they took it down to {$2200.00} because of these problems even though i find a way around it but very disturbed them locking me out of all my accounts to pay bills and charging late fees when they lock me out so i cant pay bills and then cutting my credit card limit down to 1/4 of what i had for a limit. i very angry about this and need something done about this??? they cut me out of my cash rewards for XXXX XXXX XXXX as well on that same credit card saying i didnt sign up for it when i always sign up a whole month before always. and i have proof in writing that i did sign up cause i saved it on my computer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: On XX/XX/2020 I received a Reliacard debit card from US Bank that I did not request. I tried contacting US Bank to cancel the card, but was placed on hold and was unable to speak to a live representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A