Date Received: 2020-10-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I did three loan modifications after my home came out of bankruptcy my bankruptcy was dismissed I received letter in XXXX of XXXX stating my loan modification was complete I never received a denial or approval I filed a complaint with FHA in XXXX of XXXX due to the lack of correspondence my mortgage was raised in XXXX after I show the lender I had lost income I also requested another loan modification XXXX of XXXX for one never to be sent out I also requested another loan modification XX/XX/XXXX of XXXX to be told there's a 7-Day request from a different department before it could be mailed out so my modifications still will not be mailed out until XX/XX/XXXX and now US Bank has ordered me to appear in court XX/XX/XXXX as well as I need them to fix my credit score and how they're reporting this is been going on between me and them for a year-and-a-halfdue to this current situation I have no credit score I'm on XXXX which is fixed income and then I've lost another set of income but they're refusing to work with me I've been in my home for over 10 years and there making it impossible for me to refinance with a new lender this house was caught up in the mortgage fraud with the same lender 3 years ago and I don't trust this this time I really need an investigation into what's going on here.. I'm not trying to be XXXX with my children due to a clerical error for miscommunication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit was shown as 30 days late to XXXX, but not on XXXX or XXXX onXX/XX/XXXX However during that same time it also shows as not reporting to any credit reporting agency during the months ofXX/XX/XXXXto XX/XX/XXXX. This is an error since I have never been late on making my account payments. I have tried contacting them but they have not removed this inaccurate reporting from my credit files to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recieve unemployment from the state of Ohio. I was receiving my funds through the reliacard account assigned too me. I received the card back in XXXX and is still the original card. Not a issue with it at all. Until XX/XX/XXXX, I called customer service and they said my card was inactive due too verifying my identity. I needed too fax in 3 documents. Id.. social security number.. 2019 tax return. Confused as too why I proceed too send the said documents. Since than I've resubmitted these documents 5 times, 3 faxes, 2 mobile uploads. Finally on XX/XX/XXXX they accepted the documents and were processing them. I was told 24 to 48 hours and my card should be good. Since than nothing has changed. I called them today and was told the only update was that they were still processing them. I don't understand how they can do this or what the issue is. As a direct result too them blocking my funds I am stuck out of town and homeless. Need answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a visa debit card i did not request from Usbank Reliacard. Date on letter XX/XX/2020. Cardholder services, XXXX. XXXX XXXX, XXXX, FL XXXX Phone XXXX XXXX XXXX. And received a letter indicating a change of address requested. I have not activated the card. This is the second such card I have received this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85375
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX ( an unsecured line of credit/credit card ) with US Bank REF # XXXX. I applied at the XXXX XXXX branch of US Bank. US Bank XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX The staff at the branch, the banker and the manager were excellent and friendly. I applied for the loan and according to my US Bank account my XXXX score is XXXX. They denied my loan request. First they said my debt to income ratio was to high. I asked them to relook and discovered my student loan payment was reporting a monthly payment of {$1500.00}. This is incorrect. I made a large payment because due to COVID 19 the interest rate of the loan was dropped to 0 %. Therefore the PAYMENT reported higher. I called the bankers in XXXX talked to them. They asked for the District Manager to request an exception and told me to send proof of my payment amount on my student loans, which I did. This brought my debt to income ratio in line. My XXXX is XXXX. They STILL DENIED my loan and would not make an exception bc of " Past Performance ''. This is ridiculous, when I opened my account they game me a XXXX credit card in XX/XX/XXXX so there is no reason they would not want to lend me money. I don't understand how their exception process would not allow for me to have a line of credit with them. I have good income, high credit, consistent job history, I'm a director at a different bank, and only my student loan on my credit bureaus. I seriously wonder if they review and track their exceptions. I feel like the bank potentially discriminated against my application and or did not treat me the same way as other prime borrowers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Back in late XXXX I had XXXX girls extremely XXXX. I was out of work on extended leave through XXXX and when I returned to work I had back pay that was taken to catch up on insurance. I went a few months with partial pay or no pay. In doing this we became right around one month behind on our mortgage. I was encouraged to apply for the mortgage assistance program. Keep in mind, we were paying end of the month or right at the first of the following month so right around one month behind. I applied for the program and was accepted and was advised that I was approved for a plan in which I would make six months of payments at a reduced amount. Our regular payments are around {$1800.00} and these payments were around {$1400.00}. I specifically asked the agent I was working with, XXXX XXXX how paying less would bring my account current. I was advised trust me it will work. I confirmed on the phone if I pay six months at the reduced amount on the seventh month I go back to regular payments and loan is back to normal. I was advised yes that is correct. This agreement was done verbally. I agreed and made the payments on time and even early. I paid the XX/XX/XXXX installment, which was the final one of the plan in XX/XX/XXXX. At this point I was no longer able to contact XXXX and had to speak with whomever I got on the phone. At that point I asked the representative, this is my final payment on the installment so I make my regular payment next month correct? I was told I needed to contact XXXX and she would make adjustments to my account so I could resume regular payments. She attempted to transfer me to XXXX and I was routed back to the queue, where I reached another agent who told me the same thing. I continued to attempt to reach XXXX over the next few days via phone and email with to no avail. I called back in and got another representative who told me yet another story, that by me being o/n this plan my account can not be brought current and that I must pay the past due balance. I asked for a supervisor to which no one was available so I tracked down XXXX 's supervisor, XXXX XXXX, who advised what I actually need to do is reapply for assistance. I asked why I was not initially told that and she said it is a training issue that she would address. Within a week I applied with a new application and now an account much further past due. I submitted the application and initially received a call back asking about deposits into my account. I explained while my husband is not on the mortgage he does send me money for household expenses all of which are paid from my account. The representative said that's all she needed and she will pass this along to the underwriter. I then received another request for information, this time it was a profit and loss statement. I called in at least six times and explained I am not self-employed there is no profit and loss statement I can provide. The first person I spoke with didn't know what a XXXX XXXX XXXX were then I was asked to send a letter stating this and I did so. I then continued to receive requests for a XXXX XXXX XXXX statement and finally asked for a manager and reached XXXX who is a senior representative. I spoke to XXXX on XX/XX/XXXX and she researched my account and found that someone relayed to the underwriter that I was self employed but the letter should have cleared up the issue but she reached out to the underwriter and said they cleared the request and I am now in the queue for underwriter review. I continued to receive calls so I called back on XX/XX/XXXX and explained that I was still receiving notifications that I need to submit a XXXX XXXX XXXX. XXXX assured me that she handled this and it was an automated system sending the messages and to disregard. Then, around XX/XX/XXXX I received a call that my file was denied for not submitted the required documentation. I was asked how I could submit something that does not exist? I was told they would research it and get back to me, this was XXXX XXXX I spoke with. I received one call back after attempting to reach out multiple times. I was promised another call back by Friday XX/XX/XXXX and did not receive a call and I attempted to call several times Friday and today. I finally got through to an analyst who told me I needed to reapply because I did not comply with the last request. I asked for a supervisor or manager and again was denied one. I have been told multiple times someone would call me back and no one ever does. I have been told several times they do not understand what the underwriter was doing and they would research and help me, it never happens. The bank is in violation of UDAAP. I started this venture barely 30 days past due, and was never told this would make my account further past due as a matter of fact I asked them how lower payments would make me catch up. I get zero help from the bank. I have done everything that has been asked. This process has been very deceptive and unfair. We have a good bit of equity in our house and I feel as if the bank is doing this to take our home. At this point if I would have handled it myself we would have had no problem being on time months ago.I regret getting a mortgage with the bank and I regret allowing them to try to " help '' me. I was even told on multiple occasions I was not allowed to make payments despite begging to. Now my loan is severely behind and in this case it is no fault of my own. I have made numerous attempts, spent hours on the phone to get a different answer with each contact. I want one point of contact that will give me the same " story '' each time I call. I want to know specifically why I was told conflicting stories. Why was my file denied for not submitting a document that does not exist? What specifically do I need to do going forward? I am trying my best to resolve this and get no support from the bank. I am currently consulting with legal council as well to determine how to move forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear US Bank, I am a victim of Identity theft and my home mortgage is serviced with US Bank. I've paid my mortgage on time every month. I have great/excellent credit. I am very concerned I have not heard from the bank regarding this matter since my checking account ( from US Bank - checking fraud ) was linked to my mortgage account. We would like to hear back from you regarding our Mortgage. I understand fraud can occur with checking accounts etc however, I would still appreciate if the bank would follow-up with a written letter explaining how you will assist to ensure my mortgage with US Bank is still indeed safe and secure. I would like to partner with you. I called your Home Mortgage Department today, XX/XX/2020 and I spoke with 2 individuals - I was on an extended hold and they did not have a clear process in place. The customer representative dismissed my concerns of recent checking account fraud. He rambled on about work orders and escrow checks and other matters. I requested if I could please be transferred to fraud or if he had the fraud department 's phone number, he did not provide the information. He said he was based in CA and had access to the last four digits of my social and my home address, the individuals on the mortgage account and that it was " mostly '' public record. He was basically all over the place. " That if it was fraud, the bank would pay it off, I had nothing to worry about. " These words concerned me deeply. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92120
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: In XXXX I was approved for pua unemployment benefit the office mailed me a letter through the mail and it said the card would be here within ten days. I waited and waited no card came so I call to find out and here they sent my card to another address where it was stolen activated the card and spent {$14000.00} and so I called state cops and opened a investigation did all kinds of paperwork for the card center and they are refusing to pay back my disputed transactions I'm a single mother with no support and forced to stay home with my children we have nothing I wan na a lawsuit the kids want a lawsuit this is their fault and my children and I shouldn't have to suffer. I have no money no food my kids have no winter clothing. What do I do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18360
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I reviewed my statement for the month of XXXX. My rewards balance had dropped by XXXX points. I contacted the credit card company. They agreed there was a fraudulent break into my account and rewards were used. The email address used was a fraudulent address. I was reissued a new card and told the points would be restored to my account. Upon receiving the new card, activating the new card, the missing points were not on the account. Upon contacting the card company again and talking to a supervisor, I was told it would take up to 90 days to review the claim, the first information would not be available until XX/XX/XXXX and the supervisor informed me that he could not sent me written or email confirmation of the conversation we had about the problem. This is unacceptable business practice. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: Initially started beginning of XXXX after I finally received my replacement card. After a few days it was locked and I cant withdraw or pay any Bill 's. It's now XXXX and things are only getting harder please unlock my reliacard it's my money. Sent countless faxes that abide the requirements. This is outrageous! Even signed up to twitter in order to speak with a rep there and they told me if I upload my docs and a selfie through a link it would be resolved in 48hrs it's going on 4 days now since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A