Date Received: 2020-04-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint is in regards to U.S. Banks lack of providing financial relief during the COVID-19 pandemic. The U.S. Bank website is deceiving and contrary to the customer service representatives ( CSR ) information provided over the phone. Online does not provide any detailed forbearance information but over-the-phone a CSR said a Relationship Manager would provide repayment options AFTER enrolling in the " forbearance '' assistance program with no ability to know what the repayment options would be prior to enrolling. The CSR then said it was guaranteed that a Relationship Manager would provide a repayment plan in which the lump sum would not be required after 180 days of forbearance. Then, after further conversation, the CSR said it was NOT a guarantee that the Relationship Manager would have a repayment plan and that the lump sum COULD be required after 180 days. Thus, forcing customer accounts to go into default and potential foreclosures. With a company as large as U.S. Bank, it is imperative to have correct, detailed, and accurate information for customers to make an informed decision. Most forbearance assistance programs offer placement of payments on the end of the mortgage loan ; however, U.S. Bank is not providing ANY forbearance options, but rather a way to place financially strained customers in a further bind by using deceitful language to its customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
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/XXXX I stayed one night at the XXXX XXXX in XXXX Maryland. The charge was supposed to be {$130.00} I discovered I was charged {$1100.00} when I got my credit card statement. On XX/XX/XXXX I called the XXXX customer service and was told by them that I was charged for 7 nights. They assured me they would contact the manager and I would be refunded. On XX/XX/XXXX I still had not received the refund so I called my credit card to dispute the charge. They started the dispute and they gave me a provisional credit. I continued to try and get the hotels customer service to resolve the follow up on getting my overcharge refunded. The original booking was made on XXXX but when I got to the hotel I was told that they didn't have that type of room and the reservation was changed at the hotel. I was moving to Maine so left early in the morning and there was no one at the desk so I just left. So, I have no receipt, only the credit card charge. XX/XX/XXXX I received a letter from my my credit card company stating they reversed the provisional credit and I am responsible for the charge. I called them and was told that they did not contact the hotel. The decision was made based solely on the fact I did not have a receipt. Again, I continue to try to contact the hotel manager directly and the hotels customer service for resolution. I don't think it is intentional fraud or theft but it is amounting to one or the other. The Hotel has taken over {$1000.00} of my money that they were not owed. My credit card company is not able to or interested in protecting me from being robbed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, I used my account with USBank to transmit {$1100.00} to XXXX XXXX XXXX using BillPay. I also had them send XXXX ( my credit Union ) {$200.00}. They indicated the money would be available at both institutions on the XXXX of XXXX. It was not received by either. I started calling both USBank and XXXX XXXX XXXX on the XXXX. XXXX said they did not receive any funds and that I had to check with USBank. USbank said they sent it and it was XXXX XXXX XXXX 's problem. As a result I am unable to pay bills ( car payment which is now costing almost {$4.00} per day in interest and reflecting poorly on my FICO score and credit standing. The only way to contact USBank is via email from their website and I have done so each day including today the XXXX. Calling XXXX-USBanks takes about 14 minutes to reach a live person to explain my problem. USBank has been unwilling to do anything about this problem and they keep stating they sent the money and it is XXXX 's responsibility to fix the problem. Oregon is on lockdown so driving is out of the question for this reason : the closest USBank i 65 miles from my home in XXXX XXXX OR ( I live in XXXX XXXX ). The XXXX XXXX branch is only drive through. The next closest USBank is in XXXX Oregon which is 135 miles from my home. My XXXX plan is 400 minutes and I have used more than 200 dealing with both banks. I now have to pay {$.00} oer minute when using my phone until XXXX XXXXMeanwhile I can not access my XXXX account to pay bills.I am also being charged a late fee and interest with my credit union . My credit worthiness is now in question due to the irresponsibily shown by USbank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 976XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi my credit report shows US bank account I have never authorized anyone to open an account with US bank I have called them to let them know that I am a victim of identity theft, however they haven't done anything. I need US Bank to delete this from my records and report accurate information to all 3 credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Elan Financial continues to refuse to abide by the CARES Act wherein lenders/credit card companies are to work with borrowers and continue to refuse to offer any type of deferred payments, nor have they removed late and/or over limit fees on all of our accounts. Therefore, our attorney is moving ahead with a class action lawsuit against Elan Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I called every number for reliacard listen and nobody answers or when i do get ahold of someone they tell me they cant help me or tell me anything. I have a XXXX and another one on the way and have recieved 3 payments from unemployment in ohio and after the approval and all those weeks filed and paid i still have no card from them and still no answers and my bills are still there needing paid and a family that needs to eat and live. I have tried finding an email to contact them but requires an account i just want answers to where my card is so i can access the funds that are on there so i can feed my family
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I got locked out of my account and there is no way to contact them they only offer a phone number that a auto responder will put you on hold for serval hours then hang up on you they do not offer any online chat service or any other way to resolve any problems with there card I have on hold day and night for a week and I haven't been able to talk with anyone and they have over {$1000.00} dollar 's of my money that I have no access to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 833XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payment on may Valley Bank credit card is due tomorrow XXXX XXXX. So my beloved wife XXXX and I drove to the local branch in XXXX a mile or so from our home. BUT THE DRIVE IN WAS CLOSED AS WAS THE BRANCH ITSELF. So I mailed my check at the XXXX Post Office for hoped for delivery to the XXXX branch of the bank on XXXX XXXX! But I fear that the Valley Bank will claim it did not receive my check on XXXX XXXX and so charge me a sky-high late fee which would be totally unjust as its branch and its branch drive in were closed as aforementioned! I SHALL NOT PAY ANY LATE FEE OR INTEREST NOR MAY THE VALLEY BANK REPORT ME TO THE CREDIT REPORTING BUREAUS! The branch should have been open even during the coronavirus pandemic! Where does Valley Bank think customers are to bank? ON THE MOON?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Due to the COVID-19 pandemic, my household is affected greatly financially. I have contacted my other credit card, American Express, and they were able to offer deferment and help. I contacted my XXXX XXXX VISA which is sponsored by US Bank and they will not offer any kind of help or deferment. I have perfect credit and they will be reporting me and therefore causing bad credit for 7 years. I have spent 4 times speaking to different representatives And supervisors and no one is able to help me. There has to be a mandatory relief, deferment, hold due to my financial decline due to this pandemic. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A