Date Received: 2020-03-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I live in Tennessee and Usbank said I was at their XXXX XXXX main branch location on XX/XX/XXXX. I was in another state. I think my dad deposited my tax return although the email said thanks for visiting our branch location which implies somebody pretended to be me at the bank. My dad is an elderly XXXX so I hope identity thieves are not pretending to be us. I do not know why my dad would pretend to be me at the bank. If it is an impostor, then they are probably phishing my business ' checks and clients before I get them, as if they knew a big check was coming in and then they withdraw it before I notice. I do not authorize anyone to pretend to be me at the bank. I alerted XXXX, so if they did not respond then they are corruption suspects. Nobody needs to pretend to be anyone else in order to make a deposit. Accessing my account illegally is a serious bank XXXX red flag.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38506
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I tried to book a trip with The company XXXX back in XXXX of 2019 and made payments from XXXX to XXXX of {$98.00} being the first payment and {$570.00} being charged 5 times and {$570.00} being charged once. Altogether I lost about {$3600.00}. The trip was cancelled due the Coronavirus by the company and now the company is refusing to refund me the money back. I have tried calling my bank and they will not go past 90 days. So therefore neither the company or bank will help me get back the thousands of dollars I lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40351
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am trying to get a three month forbearance on my mortgage. The XXXX and the state of Maryland said that I had to close my XXXX XXXX because of the covid 19 virus. I called the mortgage company several times and was put on hold for hours. Looking on XXXX I can see that many other people have had the same experience. The company does not have any way to initiate the process on-line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Called in to Us Bank waited about 2 hours on hold, due to covid 19 my husband has been laid off and as far as we were informed they are to offer some type of relief for this horrible situation. The relief they offer is to skip 90 days of paying our mortgage and will have to pay all 90 days that were not paid at the end of these 90 days how is that considered ethical ... this is not help if a customer is not working how will XXXX XXXX dollars just be easy to pay when you dont have it month to month. Please help, I know other banks have better options, they need to comply also on this pandemic we have going in the US.
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: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I noticed on XX/XX/XXXX that my USBank Altitude Reserve credit card was canceled without notice as I tried to login to my online account and noticed it did not show up. This is a credit card that I had been using heavily since I received it on XX/XX/XXXX as indicated by the rewards balance of over XXXX points at time of closure ( these points redeem at 1.5x on travel which puts the value of these points at over $ XXXX ). Since the rewards never expire, I had been saving them, never thinking that a time would occur where my account would be closed and I would be unable to use them. When I called USBank to see why my account was closed, the rep told me it was because I overpaid the account balance ( something I've never heard as a justification for account closure ). When I asked about the large rewards balance in my account, she told me that it was forfeited at the time of account closure. I was given no opportunity to redeem the rewards I had been accruing and saving in my account. I believe it is only fair that if my account is to be closed, I would receive ample warning so that I can at least redeem the rewards in my account. However, that was not the case and I was very disappointed. I wrote an email to the Executive Team at USBank explaining what happened and received an automated response saying that I will be sent a written response within 15 days. The written response I received was nothing specific to my case, but rather a 10-page printed copy of the card agreement which I have attached. I guess they figured I would find the reason they closed my account within that agreement but I did not. Instead, what I found on page 5 was : 32. Cancellation of Your Account : We may cancel your Account or suspend your ability to obtain Account credit immediately, without notice, if your account is in Default. Even if you are not in Default, we may cancel your Account by providing notice to you. In other words, not only did I not find anything within the agreement that justifies my account closure, I also found that in the case of account closure, notice must be provided except in the case of Default, which was not the case here. I am suspicious that USBank chose not to provide warning because they noticed a large rewards balance in my account and did not want to give me a chance to redeem it. I can also add that I have a friend who had the same exact credit card whose account was also closed. This friend had redeemed most of his rewards by the time the letter was sent and therefore did not have a large rewards balance in the account. He received a letter from USBank, which I have attached, saying that his account would be closed effective 30 days from the date of the letter and to contact customer service to redeem any rewards since they will be forfeited at closure. According to the card agreement this type of notice is necessary in order to close an account that is not in default, and I believe that I should have received a similar letter to notify me that my account would be closed and allow me to redeem the rewards I had accrued. As I mentioned, however, I did not receive such notice and I am suspicious that it is because USBank did not want to give me an opportunity to redeem the large sum of rewards in my account. To be clear, I believe that I have been robbed of over $ XXXX by USBank because they did not have a valid reason to close my account without notice, and by doing so they were able to confiscate a large rewards balance that they owed to me. Had I received an account closure notice similar to the one my friend received which is in line with their card agreement, I would have had the opportunity to redeem my rewards and although I would not have been happy about my account being closed, at least I would have been given a chance to redeem the rewards that were rightfully mine. By canceling my account without notice USBank was able to rob me of these rewards, and nothing was said over the phone or through the mail that was able to justify this abrupt closure and effective confiscation of over $ XXXX worth of rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There is a transaction that I'd like to dispute on my US Bank credit card but the web form is not working on their website. The transaction is : XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX Ca totaling {$1900.00} I have no knowledge of this transaction and I do not know what is it for. I have not received any merchandise or service from the merchant charging me.
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: 2020-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good Evening, On XX/XX/XXXX, I entered into a loan modification with US Bank in order to stop foreclosure proceedings. My original loan was {$30000.00}, which was singed on XX/XX/XXXX. In XX/XX/XXXX, I called for a payoff and it stated that around {$78000.00} was due. I spoke with a representative on XX/XX/XXXX and she stated that all unpaid mortgage payments and interest that caused the loan to default are added into the fees due in the loan modification total. In the loan modification documents, I see that {$40000.00} was added for capitalization. I have sent two emails, which have remained unanswered, requesting an itemized breakdown of all fees-attorneys, back fees, capitalization, etc. When I signed the modification, I assumed the {$78000.00} would be the total due if I kept the loan out for 30 years. Is there anyway to look into this as possibly being predatory lending? Thank You, 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: 60466
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a credit card with Comerica Bank in XX/XX/2019 who and it ended up being a Elan Financial credit card not Comerica Bank. I was approved and received the card and began to use it without any problems. Then in XXXX I used a credit card authorization form to charge a {$8000.00} transaction with a {$10000.00} limit and was immediately called by Elans fraud protection to ask if I was trying to use the card for such a transaction. I told the representative that I was using the card and they asked the vendor name and the amount and I said yes that is me and I would like you to approve it so I can have them run the charge thru again. They said they cleared the system to know accept the charge and told me to call the vendor and run it thru again. I did just that and I immediately got a call from the fraud department again. I spoke to a supervisor and explained that I just got off the phone and your representative said this was taken care of and I would be able to run the card again and it would accept. So, the supervisor did a higher clearance for such a transaction ( the rep the first time should have know this ) and then the supervisor assured me to run it again. Guess what? It didnt go thru and again another call from the fraud dept. This went on four times in the same afternoon! Talk about incompetent people, well Elan Financial has them all. So, another supervisor ( a man - XXXX ) said she was again removing the alert to the system so it would be approved but then advised to run the card the next time to allow the system to reset after midnight. So, I thanked her and tried again the next morning and what do you think happened? It didnt work so I called again and spoke to another supervisor. She tried and told me to run it again and it didnt work. I then got another call ( how many are we up to now, 6? ) and I didnt even bother to answer this time as I was fed up and couldnt deal with it anymore, so I used my XXXX card which was approved no problem. Then, the next day I called to complain and they told me they closed my account due to me making false statements on my account application or in the maintenance of my account which was current ( {$10000.00} limit with {$400.00} balance ) and payments made timely since receiving. Then they said my account is in danger of or is being used for fraud and that I will not live up to my obligations under the terms of the Card member Agreement which they never specifically identified. I asked specifically what false statements and of course they could not identify. Its all XXXX XXXX. How can it be fraud when I verified it was me using the card and they were trying to resolve and working with me and apologizing profusely for having this happen? Then I received the same letter from U.S Bank stating the following ; 'We 've conducted a review of your accounts and have reason to believe that you have made false statements on your account application or in the maintenance of your account, that your account is in danger of or is being used for fraud, and/or that you will not live up to your obligations under the terms of the cardmember agreement. As a result we are electing to exit our relationship in accordance with the terms of the cardmember agreement. ' I had two other cards with them for several year, one which Ive never used that was U.S Bank but must be affiliated with Elan since the letter has the same correspondence address. Then another letter for my 2nd Elan card I have that was in good standing, never missed a payment and had a $ XXXX limit with only $ XXXX used. They closed all three cards at same time stating same reason with same letter for all three. I've since retained a law firm to send a letter to get to the bottom of this and hold them accountable for taking away my livelihood of needed credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to request your help with U.S Bank. I dont know what else to do. So I hope to have a fair solution to this issue that US Bank has cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ). The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account : U S Bank : XXXX Date Opened XX/XX/XXXX Bal {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: Lease ended in late XXXX. US Bank billed me for the agreed upon lease termination fee, which I paid within 10 days of receiving. By the time I got the invoice for the lease termination fee, it was ALREADY PAST THE DUE DATE. I refused to pay a late fee because it took US Bank so long to send out the termination fee invoice. I paid the amount due in full, as I did every single lease payment. I have written to US Bank multiple times and return their phone messages advising them that they send me a lease termination invoice LATE and advised them THIS IS A DISPUTED MATTER. They continue to harass me by sending invoices, forcing me to repeatedly reply telling them this is a disputed matter. I paid the lease on time and in full. I am NOT paying for their sending me an invoice late. BTW, I did not terminate the lease early. None of the choices the CFPB allowed fit my situation exactly right. Attached is my XXXX of XXXX letter to US Bank and the most recent invoice from US Bank.
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: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A