Date Received: 2020-03-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I authorized my mortgage payment through us bank. On the XXXX of XXXX my mortgage payment submitted a UNAUTHORIZED withdraw of {$2600.00} and US Bank paid the amount. Knowing that I did not have nearly any funds remaining in my account. By them doing so it has created chaos is my life. To this date my account has had two deposits made from my social security check and pentions and I still remain at a. Neg in my account nsfs keep mounting. I have not been able to pay any of my bills and my utilities is about to be cut off my life insurance policy has lapsed I can't buy groceries the bank has not returned any of my messages when mortgage company does not take any of my calls unless I'm calling them to pay my mortgage which I have not been able to do I am at my Wit 's end and I don't know what to do if already been hospitalized once already due to the level of stress I suffer from XXXX XXXX and I'm an XXXX year old woman if you can please help me that would be incredibly a blessing thank you XXXX XXXX if you do call are you authorized my son XXXX XXXX to speak on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Hi, Back in XXXX I had to get a new business account due to fraud alerts. That business account was the account I used to pay my cards with. I had auto payments set up to pay my cards but since I had to open a completely new account that changed everything. When I was with the banker he said that everything would go back to normal and I didn't have access to my account for 2-3 days. To keep the story short, I was never notified about the late payment or that I even had a late payment due. The other story was with US.bank with a car loan. I called in and declared them to send me the payoff of the vehicle. I sent them the amount that they told me over the phone and apparently it wasn't enough to cover everything. I was short {$110.00} on a {$270000.00} payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a statement on a credit card account dated XX/XX/20 and I did not apply for the account. U. S. Bank charged a fee of {$450.00} to establish the account. I immediately contacted U. S. Bank and cautioned them that I did not ask for this account and I would not be responsible for the membership fee or any charges made against the account. I began to research how the account was opened, where the account information about me came from and U. S. Bank 's complicity in this attempted fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US BANK appear on my XXXX credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to report multiple violations to the California Credit Reporting Act that US Bank has committed. I want to mention a couple of them : 1. Inconsistent credit report. 2. Reporting incomplete information. 3. Negligence 4. Unfair business practices Please forward the attached documents to US Bank. Thank you, CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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: Twice in recent years XXXX XXXX XXXX, the issuer of my card, has paid fraudulent charges in spite of my objecting to the fraudulent charges. In the first case, I was able to recover the funds paid by XXXX over my objections with the help of the Consumer Fraud Division of the Minnesota Attorney General 's Office. In the second case, I filed a claim in Conciliation Court to recover the funds paid by XXXX over my objections and the recipient of the funds settled by paying me the full amount claimed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55104
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Elan Financial Services shows i have account open on my credit report ( see attached ) which is completely wrong and incorrect. This account has been closed for years and years. i just checked my credit report and i noticed this incorrect reporting by Elan Financial, which violates the fair credit reporting act. furthermore, the remarks are also incorrect and it is also showing i was late 30 days which is not correct. I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. these accounts must reflect status as closed, with {$0.00} balance, and not past due, as This is wrong and it must be corrected with all credit bureaus including XXXX, XXXX, and XXXX. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48315
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I spoke to a mortgage specialist at USBank on XXXX about refinancing my existing FHA mortgage. After submitting my details, I was quoted an interest rate of 3.25 % and approx. {$2700.00} in USBank closing costs. I asked the specialist to proceed with an application and to provide me with a loan estimate sheet by email. On XX/XX/10, I had not received the loan estimate. I called USBank to check on the status of the application and the loan estimate, I was told the 3.25 % interest rate was no longer available and my application could not be processed as quoted. However, I confirmed USBank did initiate a hard pull to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I use US Bank as my mortgage lender. Since last XXXX ( 2019 ) I have been severely overcharged for taxes. My home is in XXXX, MA. According to US Bank, they have over $ 15K of my money in a special account. They won't discuss it. Every time we call we get a new banking person who, of course, has no idea what is going on and they always need " time to research the issue and we'll call you back. '' Of course, they never do. I'm on the phone with them now and again, it's someone who has no idea of what is going on and she'll have to research it..... again. This is BANK FRAUD and I can't get anyone to help me. The Attorney General of Massachusetts wants nothing to do with this. They referred me to the DOR. They laughed at me and said " we only deal with MA taxes. Why did the AG send you here?? '' They sent me to the Banking Commission and they said they only deal with banks chartered in MA. The Banking comish sent me to you folks. The loan # is XXXX. I want some of that $ XXXX applied to the two months allegedly in arrears and the rest in my pocket.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: US bank wrote in their response to me regarding CFPB complaint XXXX that their bank account agreement allows accrual of fees and that they already refunded certain fees a few years ago to me, back in XXXX. This is to emphasize the solution for return of fees from a few years ago applied to the issue from a few years ago. This new issue concerns XXXX fees and request for refund of XXXX fees. Also, I state even though US Bank practice to assess fees is in their account agreement, the practice is wrong ( possibly illegal ). As such it should not be part of the agreement. This is especially so if the transactions are not honored. Namely, if US Bank rejects a transaction, we are not being given a service but we are being charged for and end up paying the fees. This is wrong. It is also wrong and bad customer service to not provide such a service consistently ( if allowed to be offered as is ). Honoring some transactions and returning others messes up with our business operations and makes us financially illiterate. Plus, it is costly and overall a bad customer service. Possibly illegal. US Bank states their service accounts of certain type can reject transactions that go into a negative but would still charge a service for it. My goal is to pay for services that I do receive and receive them consistently. Returning transactions that would go into a negative is not a service as these transactions are transient and do not draw on US Bank funds for support.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A