Date Received: 2020-03-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2020, based on statements made by CA Gov. XXXX XXXX, I contacted US Bank regarding my mortgage. I was told that I would be given a 3 month forbearance and that during that time I would not accrue fees or penalties and I would not be reported to the credit reporting agencies. On XX/XX/2020, I received a letter from US Bank that contradicts what I was told on the phone and what is stated on the XXXX XXXX website. I called US Bank and was told that this is not their problem, they are going by what XXXX XXXX has told them and I should call XXXX XXXX. I did. XXXX XXXX said they did not know why US Bank was not complying. Quite frankly this smells bad. The letter says that if I don't contact them to opt-out I will automatically be enrolled in the forbearance program. How many people are actually going to read the whole letter and discover the " fine print ''? Is US Bank trying to set up its customers for a foreclosure?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have settled this account XX/XX/2020. I have contacted and told them that they are reporting to the credit bureau incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: To whom it may concern, Regarding a fraudulent reliacard through U.S. bank put in my name by someone to claim my unemployment. The card stated in the letter is a different card number then my original card number. The one in the letter is card ID XXXX it is a fraudulent card being possibly used by someone else trying to claim my unemployment. Please investigate this and cancel this card for me. As the company US bank will not answer there phone. They pick up line after animated computer picks up then it stays silent with no recording of being on hold or taking a message. My email address : XXXX XXXX XXXX. If I can I will send you a copy of this letter. Thank you for your time and patience. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 814XX
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Anual Fee posted on XX/XX/XXXX on US Bank Flex Perks rewards credit card. Attempted to close account XX/XX/XXXX and US Bank refuses to prorate or refund annual fee of {$49.00}. Spoke with XXXX on a recorded hotline. 1. Policy is not clear 2. Card profuct is being discontinued 3. Card has not been used in many years 4 {$49.00} annual fee on a card with little benefit and {$1000.00} limit is predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I had made a {$300.00} payment towards my rent. Also I had a {$40.00} payment, a {$20.00} payment, a {$25.00} and another {$20.00} payment pending. On XX/XX/XXXX, I had a {$270.00} payment. But what happened, was that the withdrawals got shuffled around and a few small payments were rejected as well as fees incurred. In the meantime, I had {$300.00} deposited but I have had over {$200.00} in fees. My place of employ was shut down because of the health crisis and I have no idea when I will be able to go back to work. I simply do not have the income to be playing these games with my bank. Many places are waving fees to help with this crisis ( like my utilities which is nice because that was one of my rejected payments ) but apparently not this institution which appears to be using this global time of health and financial crisis to net a profit for themselves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I registered for unemployment with DC Department of Employment Services. They signed me up for a debit card even though they had my direct deposit information. DOES acknowledged my direct deposit request on XX/XX/XXXX, so NO benefits should have gone to US Bank. I filed for two weeks in XXXX and XX/XX/XXXX. I never got a card. I emailed DOES repeatedly. No response. I did not know who issued the card. I got a letter from card services at my post office box address acknowledging my change of address. No name other than card services, no phone number, a post office box address, and nothing to suggest it was related to my UI claim. I never got a card, although they acknowledged my change of address. I had changed my address with DOES. DOES had my residence address, so US Bank had it as well. I thought the card services mailing was fraud and filed a complaint with CFPB. CFPB rejected the complaint saying there was no card services registered. In late XXXX, I went to the DOES office and finally got a name and number : US Bank Reliacard. I called, identified myself, and corrected my address to include my apartment number. They refused to issue the card, claiming they had to verify the address. I asked for their address. They said they were in the XXXX XXXX of what, I asked. XXXX of Florida, they said. I asked to speak to a supervisor. He refused to send the card even though I had identified myself. I said I would sue them. He said go ahead. I taped the call. As of XX/XX/XXXX, I do not have the card and have not heard from them again, which means I havent received my XXXX benefits. I allege mail fraud, wire fraud, misrepresentation, and conversion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a Fidelity Visa Card issued through Elan Financial Services. My credit limit is {$25000.00}. I reached my credit limit on XX/XX/XXXX. The payment due date is XX/XX/XXXX with a payment amount of {$11000.00} due. I made payment on XX/XX/XXXX of {$11000.00}. I did a direct payment out of my Fidelity money market account to the Fidelity credit card on XX/XX/XXXX. On XX/XX/XXXX the money was taken out of my Fidelity money market account. The Fidelity credit card is still frozen as of today, XX/XX/XXXX. I called Elan Financial and they said I have to wait 7 days before they will let me use my card. The money is in their hands NOT mine. I am now stuck with no ability to use my card even though i have made an EARLY full payment 5 days ago. I do NOT have my money and Elan does ; however, they refuse to let me use my card. How is this allowed? The upmost irony is this is a Fidelity card, paid electronically with a Fidelity account. I no longer have {$11000.00} and they do but they will not unfreeze my account for 7 days. XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: US Bank 's XX/XX/XXXX letter supplied to the CFPB contained lies and US Bank should be held accountable for lying to me and your agency. I have definitive proof. US Bank claims the {$25.00} they claim is owed is for a late payment for XX/XX/2019 is a lie. Attached is my letter to US Bank of XX/XX/XXXX. Attached as well is a copies of my checking XXXX account statement that definitively proves that I paid US Bank {$310.00} in early XXXX for the payment that was due in XXXX. This {$310.00} represents the normal monthly payment of {$290.00} plus the {$25.00} late fee owed for XXXX 's late payment. Also attached is a second page of my XXXX checking stmt showing that XXXX 's payment was also posted later in the month. Attached is my letter and the overwhelming documentation proving, without question, that I don't owe US Bank {$25.00} for XXXX 's late payment ( because the late fee was promptly paid ). The original complaint was XXXX. CFPB should have NEVER closed the matter, because US Bank lied. CFPB shouldn't just close a file because a vendor responds, if you are going to really defend consumers, we need a chance to refute errant replies like the one US Bank sent in this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan number is XXXX with USBANK. Im filing a complaint because my loan modification was turned down due to obligations in excess of 31 % of my income. I asked them to take into account that if I got my house back I would no longer have to pay rent and utilities. They compiled their numbers using a mortgage payment and my rent payment. My rent payment would go away. Im also asking you to investigate possible predatory lending situation. I only owe XXXX on my mortgage yet my house is worth XXXX. There is XXXX in value there. They dont want to approve my modification because they know they will get all of their money back out of my house. If I was severely upside down on my mortgage Im sure I would have been handled differently. If they knew they were going to lose a lot of money on the foreclosure. Im asking for some type of help because I was hired at a job then let go because of some serious medical conditions. I was unemployed for about a year while I dealt with these medical conditions. I am happy to report that my medical condition is being managed now with the help of many doctors. I found a new job in XXXX. I am more than capable of handling the mortgage at this point. Please help me to save my home against these sharks called USBANK. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of this year, we were reported 30 days late on our U.S Bank HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A