Date Received: 2020-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US Bank and XXXX XXXX XXXX pulled up my credit twice in a month and I did not authorize that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX refunded me a check for interest on my account due to SCRA XXXX XXXX military. Whey they refunded the check in the amoun tof {$1800.00} they also added he amount to my balance. When I called they could not explain why the amount was added. I disputed the amount and the letter does not explain why it was added. Please provide an explanation on why you provided me with a refund of the interst that is entitled to me and why you would then add the interest back as a charge? My balance increased the month of XXXX or XXXX?
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: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My account went into the negative the day following XX/XX/XXXX following XXXX XXXX XXXX. US Bank sent me an alert at XXXX XXXX that my account was at - {$9.00}. Upon seeing the alert I transferred {$110.00} from my savings account into checking. The following day four overdraft fees from the weekend posted bringing my account back into the negative. Having assumed these fees would not post I paid my gas bill, and got lunch on XX/XX/XXXX which incurred two more overdraft fees. I believed it was a processing error since I had the funds to cover my purchases, and that it would be fixed. When it was not fixed by Friday XX/XX/XXXX, I called customer service and attempted to get the fees reversed. I was informed that my transfer from savings did not post until end of business, unfortunately I do not have any receipt of when the transfer was made. I had to call three times, as twice my call was dropped when I tried to speak with management. I'm extremely disappointed in the complete lack of service or flexibility. I would like to close my account but browsing complaints here, am afraid I will be charged fees for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Other service problem
Subissue:
Consumer Complaint: I have been a US Bank customer for over 10 years. I use online banking for bill paying & transfers. They want to verify my identity online and they WILL ONLY DO THAT BY TEXT. I DON'T TEXT. I SHOULD BE ALLOWED NOT TO TEXT. THIS IS NEW - I DON'T USE MY CELL PHONE EXCEPT FOR EMERGENCIES. I AM XXXX AND SHOULD HAVE THE RIGHT NOT TO TEXT!!!!! NOW I HAVE TO GO TO MY LOCAL US BANK AND GET THIS CHANGED OR CHANGE ALL MY ACCOUNTS TO ANOTHER MORE CONSUMER FRIENDLY SENIOR BANK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98407
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Other service problem
Subissue:
Consumer Complaint: My son XXXX XXXX sent 2 XXXX payments of {$500.00}. Each on XXXX, to me. XXXX XXXX. However I never received them. XXXX opened an investigation with USBank to see what happened. US Bank sent him a letter dated XXXX saying his claim was denied because the money was received. However it was not. Upon further investigation we found that he sent it to the wrong phone number. He sent it to a XXXX XXXX at XXXX, instead of XXXX my number. We contacted US Bank and they said they could not do anything about it. We then contacted XXXX XXXX at XXXX and asked if he would return the money as XXXX has XXXX and works at XXXX part time and this was two months wages. XXXX said he went to XXXX XXXX on XXXX and had XXXX XXXX reverse the transaction and take the money out of his accounts. XXXX never received the money back in his account. We contacted US Bank and refiled a claim saying all the above. They said they could not do anything because XXXX XXXX was not their client. We need XXXX XXXX and US Bank to return the money as one of these banks has XXXX money. I have since then been put on XXXX account so I can help him deal with this problem. It honestly does not make sense of why these two banks can not contact each other and resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: A prepaid MasterCard was purchased at a XXXX XXXX on XX/XX/2015 for {$25.00}. I have receipt from XXXX XXXX. It was accidentally not delivered. The card has no value now. I called the number on the card and they said that a dormancy fee of {$2.00} is charged for each month the card is not used. They also told me that US Bank was the issuer of the card but could not refer me to a person, an address for US Bank or a phone number. They said they had no information on US Bank. On internet search I found there are no branches of the bank and only ATMs in Massachusetts. On internet search I found that in this state, MA, dormancy fees may not be made for the first 7 years of a prepaid card. Can you help recover the value of this card? It belongs to XXXX a non-profit orchestra which performs in XXXX MA where all concerts are free and open to the public.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The credit card issuer, Elan Financial Services, uses an arbitrary cutoff time of XXXX XXXX central time to determine whether a payment is considered on time or late. This information is buried in the fine print of their member agreement yet their payment system, when submitting a payment, indicates that the payment will be processed on time when submitted on the due date but after the arbitrary cutoff. The use of an arbitrary cutoff rather than a transparent cutoff like 'midnight ' on the day payment is due is clearly an attempt to confuse consumers with a 'gotcha ' policy that results in more revenue from late fees and preys on consumers who think they are being responsible by making payments on the due date only to find out the arbitrary cutoff was missed by a matter of minutes. The use of an obscure and arbitrary payment cutoff deadline is predatory behavior and should not be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94062
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband and I are attempting to obtain a loan modification. Each time we have applied we receive a loan modification package in the mail, complete it with all requested information, but are denied. In this package we are asked for copies of all of our monthly bills, our income pay stubs, our 401-k statements and copies of our bank statements. We are very confused about how our information is used, why we have to jump through these same hoops each time just to be denied because the only information the are using is our income and the amount of our house payment to determine our DTI. These is no consideration that we have taxes or medical insurance deducted from our paychecks e each month. There is no consideration that we also have light bill and water bill that has to be paid or we would not have a home to live in. There is no consideration that we have groceries to buy to just survive. There is no consideration in the fact that we have medication to purchase each 90 days. I find this very hard to understand! The information being used is not a true representation of what it takes to live in a home ... .anywhere. I believe this is just another way lending institutions can lead people down a path to ruin. The information is not a total picture of the truth. They want to see the truth in examples of bank statements, pay checks and copies of our expenses, but because they are a lending company they choose not to use the true picture. Only what will satisfy what they want to see. Only what will either leave us without a home and of course leaving the mortgage company with income, earnings and all the equity we have built in the property. I believe my husband and I are in a catch 22 here. The mortgage company will never assist because they feel as though they don't have to. They will continue to operate in this manner because it earns them income, a house to resell and even though my husband and I have worked hard to obtain the equity, they will also have earned a profit from the resale of our home. I do understand that our Federal Government has set rules and regulations for all lenders, but every lender also has someone that can look at this situation and see that it is a very one sided problem. I understand that my husband and I need to pay our mortgage, but the Federal Government and the Mortgare company also needs to understand that it takes more to keep a home than an income. What is happening right now between myself, husband and the mortgage company is a game to see who wins our home. I have asked what LAW states that a modification has to follow these guidelines but I was not given an answer. I believe the servicer of our loan has the ability to step in and review our loan, our income and our debt and realize that what is being used is not a true picture of our reality. If the true picture is not being used, then the decision being made is based on untrue information. At this point I am at a loss as to how to move forward. We are in our XXXX. We have been in this home for several years. If we lose this home we will not be able to purchase another. We have filed bankruptcy and have requested that the past due and fees be added to our bankruptcy, but we will be in the same mess with our mortgage unless we are given assistance with a modification. We have asked if our mortgage could be extended to 30 years with the current balance and we were told we did not qualify. We requested that our interest rate be lowered and we were told we did not qualify. I find it amazing that although we are not qualified we keep receiving payment plans to bring our mortgage current that are 2x what our current payment is. If the mortgage company believes we can afford a payment such as that, ( which we can not ) then why can we not qualify to have our mortgage spread out for 30 years or our interest rate dropped. This is a slap in the face. This allows the mortgage company to add additional fees and penalties to what is already owed. There are $ XXXX of dollars in fees so the mortgage company will have additional income from us in the end but we still don't qualify for a modification. I would like to have a human response to this. Not the same form letter that we get each time we request a notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have made numerous calls to the customer service phone number and visited a branch with no resolution. I am making extra payments and they are not applying them to principle but rather putting them to future payments. The billing is then thrown off showing no payment required. I want amount in excess of monthly payment put toward principal. I have conveyed this several times to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I would like to make a complaint to U.S Bank Radisson Reward Credit card and its issuer. I have been owning this credit card since XXXX and been paying annual fee {$75.00} every year. When I opened this credit card, I was promised that I would get XXXX renewal hotel bonus points once I have paid {$75.00} annual fee. For year of XXXX, I paid {$75.00} annual fee on XX/XX/XXXX, but I have never received my renewal bonus hotel points. The annual fee is due for XXXX, but I paid my annual fee one month late due to the fact that I didn't receive my credit card statement either by mail or email. I have been calling them since late XX/XX/XXXX and early this year, every time when I called their customer service, I was told that they would investigate and get my renewal points back. However, I called and spoke to one customer service representative and two supervisors, I was told that I will NOT get my annual renewal bonus due to being past due for the annual membership fee. When I applied this credit card, I was told that I will get my renewal bonus points as long as I pay my annual fee. Also, when I tried to cancel this credit card, I was told that they can cancel my credit card, but I will not get my annual fee back. I was told that it's too late to get my annual fee back, but the fact is that every time when I called, I was told not to worry about my renewal bonus and they will issue my renewal bonus the coming month. If they told me I can't get my renewal bonus in late XXXX or XXXX, I would just go ahead to cancel this credit card at that time. I think they have been cheating, making false promise and having me to wait months after months. I have owned several credits cards from different banks or issuers, I believe U.S Bank is the only bank that try to do everything including cheating and fraud practice to gain at the expense of customer 's loss. In this case, I got nothing for having paid U.S. Bank {$75.00} renewal fee. I can't get my annual fee back even if I would like to cancel this credit card. I would like the help from your agency to help get my renewal bonus points back or get my annual fee back if they can't give me any renewal bonus points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A