Date Received: 2020-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize credit inquiries made by this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We are in the process of refinancing our current home loan that is with XXXX XXXX. We are refinancing with XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX. However, in the title search processing, it was discovered that an old loan ( XXXX ) that we had with U S Bank NA, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX MO XXXX has not been properly released per the Recorder of Deeds in XXXX XXXX County. We paid that loan off in XXXX XXXX XXXX. The Deed of Release for the XXXX payoff was improperly worded. Instead of releasing the actual title, U S Bank release the Assignment of the Deed of Trust that they had with XXXX XXXX. The document that U. S. Bank needs to correct is the XX/XX/XXXX Deed of Release. They released XXXX XXXX but they did not release us. The loan was completely paid off on XX/XX/XXXX. We contacted them via email ( see attached response from U.S. Bank department of Purged Releases. This was on XX/XX/XXXX. We also contacted them on XX/XX/XXXX and they told us they would get back to us asap. We have heard nothing from them. We can not get a refinance loan until they correct the Deed of Release, dated XX/XX/XXXX, and completely release us from this loan. In fact, we can not sell our house if we wanted to until U. S. Bank corrects the mistake that they made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63128
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: XX/XX/2020,XX/XX/2020 I called at least 3 or 4 times and I was told to call unemployment for a replacement card. I been calling unemployment and even left a message and I haven't receive a call back. My card balance is the amount expected but I don't have the card. I'm having trouble because I have to fax proof of my new address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I would like to report a complaint against US Bank XXXX for failure to pay me the excess amount I had paid almost three months ago at the maturity of my auto lease. See attached letter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: This card was issued thru ESD under the Washington paid leave. I received the card in the mail and have spent 8 plus hours total on 3 separate days. I notified customer service and ESD in writing of the challenge in activating the card. Turns out someone entered my birthday wrong so I can't use the online service. I paid for this benefit and was exposed to COVID-19 thru my work. It is unreasonable to expect people to be perfect, it is also unacceptable to force anyone to sit on hold for hours listening to horrible music. I finally got thru and they told me the could not correct the DOB, but verified that I had been attempting to activate since XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 988XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Credit limit changed
Subissue:
Consumer Complaint: I am trying to refinance my first Mortgage to reduce my interest rate only, no cash out. My new lender ( XXXX XXXX XXXX ) sent USBank a letter of Subordination as we have a HELOC with USBank including personal checking, savings. The Heloc was opened end of XX/XX/2019. And it has a current credit limit of XXXX. The balance is about XXXX. USBank is refusing to do the subordination for my refinancing unless I agree to pay down the Heloc with a new limit of {$47000.00}. My home has not changed, the amount of my mortgage and Heloc has not changed. The reason they state is that the new home appraisal for the loan is less than at the time if the Heloc. Of course the entire market is depressed. I dont know why they can not just allow the subordination as is with the current Heloc. I have been trying to pay down the Heloc and this reduced refinancing rate would allow me to pay off USBank faster. This matter is the only thing hanging up my refinance. My lender and I have tried multiple times to discuss this case with the mortgage department without them budging. This is not costing USBank anything to submit this subordination as originally sent. This is usually a curtesy thing with refinancing a first mortgage. I am a long standing customers of US bank. In the past I have had and payed off other Lines of credits and loans. I have a good credit rating with no defaults on loans and no bankruptcy. I do not know why USBank is making this an issue. USBank knows I dont have {$40000.00} in the bank to pay them. If it wasnt for the pandemic, my home would have been the same or increased in value. My husband and I are working and I am a first line responder. The people we have talked to at US Bank are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60516
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have tried to transfer funds several times from my us bank reliacard to my bank account. I have called customer service, they could not see any reason for the transfer failure and was told that my issue was being escalated and I would receive a call. I have not received that call in over 24 hours. I was notified by text that the money was available in the account XX/XX/.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I called the mortgage companies, US BANK loan # XXXX {$53000.00} and XXXX XXXX XXXX XXXX XXXX loan # XXXX {$160000.00} and requested all of my signed loan documents as I noticed that in XX/XX/XXXX I requested a pay off amount for a possible refinance I found out that the mortgages amounts are the same or more as to when I first took the loan back in XXXX. Thirteen years of payment and no equity? This doesn't look right to me. To today 's date I have only received my loan documents from US BANK but not XXXX ; I have been asking for a month an half for the loan documents to XXXX and they are unable to provide me with the documents. at this point I am not paying them until I get the documents. Please hel me resolve this matter and you can call me at XXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: US Bank has ridiculously arbitrary credit issuance rules. Their ludicrous standards inhibit credit building and discriminate against those interested in credit education. I was denied because the obnoxious customer service representatives refused to pull my credit from a bureau with a comprehensive overview of my credit in favor of a moronic randomized bureau which discriminates against consumers new to building credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX XXXX MasterCard issued a provisional credit for a disputed charge of {$190.00} on XX/XX/XXXX. On XX/XX/XXXX XXXX MasterCard reversed the {$190.00} disputed charge because the merchant stated I made a reservation by phone. I provided them a letter explaining this was completely false. We drove up to this merchant 's property, inquired on room availability, was shown a room by XXXX ( General Manager ) and agreed to stay for XX/XX/XXXX and XXXX at {$190.00} per night. On XX/XX/XXXX at XXXX XXXX we checked out and paid {$380.00}. If I had booked a room over the phone I would have received a " CARD NOT PRESENT ALERT '' on my phone, my wife 's phone, and an email none of which happened because there was no PHONE reservation. I have an email showing I contacted XXXX the day I noticed the charge on my statement and she assured me she would issue a refund. I called XXXX MasterCard and disputed the charge. When I received the letter reversing the provisional credit I attempted to contact XXXX and a man named XXXX answered the phone and advised me they were closed due to COVID 19. I called XXXX Mastercard dispute number XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I sent them a rebuttal letter on XX/XX/XXXX. I faxed a copy of my original receipt on XX/XX/XXXX and still no resolution. Now XXXX Mastercard has implemented a COVID-19 procedure and you have to leave a call back number and expect a return call. No return calls received. I discovered searching the online reviews on this merchant I am not the only one to experience the thievery of this merchant. MasterCard informs me that by not paying this amount and accrued interest will ruined my credit and eventually they will turn me over to a collection agency. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32086
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A