Date Received: 2020-07-14
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Hi my name is XXXX XXXX, Someone filed an unemployment claim under my identity with the Ohio Unemployment Department. I am an Oregon resident and have been my whole life. I have never been on unemployment before. This is fraud. I even called one of the numbers on the pamphlet and the card isnt even associated with my telephone number. I made a change so it is now to : XXXX. Please someone contact me regarding this. You can call or email me : XXXX or XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
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: My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to star financial credit card company. Star financial took her name off and began sending the bill to me for payment. I told this company that I did not make application with this company and please correct this adverse account on my credit report. This account has dropped my score by 130 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 264XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: U.S.Bank home mortgage company is the worst company that I have ever had to deal with. Not only were they not helpful by not giving me all the information I could have used, but infact sabataged initially while attempting to work out my mortgage with a telationship manager they assigned to me. In XXXX of XXXX Due to financial hardship initially, my new XXXX was not bringing in enough to pay for the shop bills and my mortgage. My husband a abandoned me 1 week after opening in XXXX year before, with his income. For the first time since I bought my home in XXXX, I could not pay my mortgage nor ever late, in XX/XX/XXXX. In XXXX I called the mortgage company, told them i would be closing the XXXX, and they suggested to file an application for loss mitigation. Thier recommendation was to file to get the mortgage owed put on the back end, as I did not want to refinance with such a great interest rate, i qualified at that time for that plan. With several faxes and scans and over XXXX dollars faxing they kept insisting the application was not complete. Meanwhile i had to close the XXXX and try to salvage what I could selling equipment and such. Finally with no help from the relationship manager they assigned to me I realized myself that I used the application online, and she was looking for a different application sent by mail. Either one would do. Pages were in different order but all the same. She would only say page 5 is missing, would not after weeks of faxing a page 5, or whatever page she wanted while i insisted it is complete, then waited for a response. .. I finally asked for a different manager to work with. The application infact was complete but now the entire app was null and all the bank statements and documents were no good. Application was expired. The lady was missing a page that did not pertain to me and left blank therefore I did not fax that, the pages were over a dollar to fax at XXXX. She used up my time until it was too late. So again I filed and with my XXXX closed I had not enough income to file for that plan. Meanwhile my son started helping before I was past 3 months late, or they would not take a payment. Now starting over with the app. I no longer had the income to file for that plan but could file for a forbearance. I was awfully upset because I didnt have that choice anymore. My son had moved his family in and was paying while I prepared to change careers, go back to XXXX and sell and salvage what I could. I took the money I made and left for prospects in XXXX XXXX. Son paid the note. And in XXXX my son was looking at a place for him and his family while I had a good prospects job in XXXX. While I was in out of state a week before finalizing a job., I had been there working on my XXXX stuff, getting my profile in order for several companies. My boyfriend joined me in myv travels. And short story, and he decided on XX/XX/XXXX to XXXX XXXX. Ofcourse this really set me back. I was in shock and my family had to come as I was all alone in a strange place with my truck and my motorcycle.. they helped me get home. At this point I had to start all over and just get out there and work .stay close to my family and push through. I was not able to make the payment that would make me 4 notes behind and the mortgage company would not take a payment after that unless I paid in full. Threatening foreclosure. I pulled myself together and I had a job orientation set for XX/XX/XXXX, it was a little difficult getting the job i preferred being out of XXXX for almost 2 years so i took a job that was less than my skill set and leas money just to get in and I was still healing. On XX/XX/XXXX a very good friend came by to check on me. He convinced me to get out the house. We rode side by side on our motorcycles, he filled my tank and took me to eat a stel dinner I was long overdue. On the way home after dinner, he dropped his bike, he was behind me and I saw. Stopped and had to XXXX XXXX XXXX and XXXX for him until emt arrived and XXXX. I then spent the last hours of his life with him at the hospital until he died, he had no family in town. I went home by XXXX and i pulled myself up the morning to start my new job. I was a wreck inside. But i did it.. Now since i had income i was able to reapply. Once i got all the info in, since I hadnt had much for paystubs I also sent an offer letter. This amounted to another denial they said I didnt make enough money. But the calculations they had were not correct. Infact it was double. They told me to appeal. So I did and I got more of the same. I believe I was denied again. Sometime between XXXX and XXXX. I found a short term contract making good money and finally found a lawyer to help after getting foreclosure letters again and again.. I continued to work and a my lawyer actually called and tried to negotiate. I had XXXX minimum and could pay every 2 weeks or however ... and they told him no. So we were just in time to file chapter XXXX the day before a sale date. They did receive money from my trustee ... meanwhile that contract ended 3 weeks sooner than my expected date and I had bot yet secured my next position. Once I did it was again a job that paid less and we would have to change some numbers to financially suit the case, my pay went from XXXX an hour to XXXX an hour. Bankrupsty was dismissed. Meanwhile i was searching for a new job. My lawyer suggested I try again to file the application for loss mitigation first, chapter XXXX cheaper to file and I could offer that extra money to mortgage company. Well i by then started my new job working overtime and i had to have income to apply. And just as I was getting all the paperwork in order to send in the application I received a bill. It was a XX/XX/XXXX statement due due XXXX. {$8300.00} I was real close to having that saved by that time so I kept working over time and just paid my utilities. .. and around XXXXXX/XX/XXXX-XX/XX/XXXX, because XXXX would include late fees ... I called and proudly stated I would like to pay my housnote. She said no. I said I recieved the statement I would like to pay it in full. Again she said no. That was not accurate. I said why not. And she said it is in foreclosure. I said why did u send a bill? I've saved up now to pay it. He answer was now they have to send reinstatement paperwork with all the fees added such as lawyers fees, ect. So they sent it via email. I can send that and the bill. And I'm highly disappointed in them because I do believe they want my house. My husband also had a home and they were the mortgage company. When he left me he did not pay his mortgage and they foreclosed and got his house. I kept wondering how they could do that when he has a wife and they did not even address me about it. They just foreclosed his home. That was before I was ever late on my own payment. Us bank, I think has done nothing to help me. And they will not bend. Now they want almost XXXX. After they clearly sent me the statement for {$8300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Disputing amounts for a credit card that was opened back in XXXX. US Bank is still reporting information incorrectly on credit report. Resolved debt and still has not taken action to delete. Last date reported activity : XX/XX/XXXX Amount : {$590.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account closed months ago, tried to settle debts, 30 days no response and still reporting late payments every month violation 15 1692f and demand settlement of account and removal off credit report!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43605
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
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 discovered an unpaid account on my credit report that I never opened or used. US Bank is reporting an amount of {$7200.00} on an account supposedly opened and closed in 2014, that US Bank reports was never paid, and that US Bank eventually charged off, causing irreparable damage to my credit report. I never opened this account nor incurred this debt. This is a fraudulent account that is adversely affecting my credit score. I have called the company, US Bank, to get more information about the account, and the representative refused to provide any information or assist with resolving this attempted theft because I could not verify the identity of the criminal who opened the account. I contacted each of the three credit bureaus to report this fraud and the credit reporting industry 's culpability in such crimes. Two weeks later, the three credit agencies ' putative investigations were concluded, parroting the furnishing company 's falsehood with an unchanged score, lacking any documentation or notation of dispute or fraud whatsoever, and the phrase " results unspecified. '' The result of this disgusting crime is that my credit score is depressed while these companies get away with perpetuating negligent falsehoods at the expense of my rights and in violation of federal law. I am a veteran of two wars with over XXXX XXXX XXXX service to the military. I observe the laws of the land and pay my debts. In return for my service, I am apparently fair game for US Bank to casually extend credit to criminals in my name, then level fraudulent, unchallenged slights against me, harming my reputation and my ability to buy a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I returned 2 orders to XXXX in XX/XX/XXXX on orders that I purchased in XXXX of XXXX. Back then, the Fidelity credit card was issued by XXXX XXXX. Since then, Fidelity has switched issuers to Visa. XXXX processed the returns to the original credit card of purchase ( Fidelity XXXX, now a Fidelity Visa ) on XX/XX/XXXX. The two separate amounts of {$160.00} were not credited to my account, likely because Fidelity 's systems are not set up properly to acknowledge the return from XXXX. Since then, I've called in to Fidelity over 10 times to get the 2 refunds processed to my credit card account. I've spoken with multiple agents and faxed in the XXXX email confirmations that show the two separate returns. Fidelity has yet to take action and do anything. It has been 4 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 I deposited my payroll check into my US bank checking account only to find out the next day there was a seven day hold placed on it. Every single time I attempted to deposit a paycheck into my US Bank checking account there has been a seven day hold on my entire paycheck. No partial availability of funds. This has lead to my rent being late for XXXX and previous months when I deposited my paycheck and a hold has been placed upon it. US Bank branches are closed to the public due to Covid-19 and I am unable to contact a banker to discuss this matter. My employer requires a voided check to sign up for direct deposit and I am unable to obtain a voided check because I do not order checks and I am unable to meet with a banker or branch manager due to the lobbies being closed due to Covid-19. This is not the only paycheck that was placed on a seven day hold. Every single paycheck I have had since I opened my account in XXXX of 2020 has had a seven day hold placed upon it. On XX/XX/XXXX ( when this hold for my current paycheck expires ) I will be closing this account and not depositing another dime into this checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received my US Bank Reliacard ( for unemployment benefits ). I activated it, the card worked for several transactions, then stopped working on XX/XX/2020. I have money on the card that I can not access. When I logged on to my account, I found that the account features ( such as bill pay ) went away. I call the number on the card for customer service but can not get through to anyone. I tried to reset my pin via customer service call ; the initial recording says " you can only reset your pin through the automated phone system '' but the automated system does not offer an option for a pin reset.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A