Date Received: 2023-10-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank regarding an illegal transaction Dear Sir/Madam, I am writing to bring to your attention a highly distressing matter involving a series of deceitful actions by " XXXX XXXX, '' its proprietor XXXX XXXX XXXX XXXX and the lack of assistance from US Bank in resolving this issue. I believe that it is of utmost importance to report these actions to the appropriate authorities and seek your intervention. My ordeal began when I came across " XXXX XXXX '' online, where they were promoting turnkey investment opportunities in the real estate market. I had an initial conversation with XXXX XXXX XXXX, who represented himself as the leader of the company with a dedicated team to handle transactions. Unfortunately, it later came to light that XXXX XXXX operated alone, and this was just the beginning of a series of deceptive practices. XXXX XXXX persuaded me to enter into a contract promising to assist in acquiring XXXX for a payment of {$10000.00}, along with an offer for project management services at an additional 15 % of monthly revenue. He assured me that the state of Georgia had no regulations against XXXX or subleasing. However, these assurances turned out to be inaccurate and misleading. When I applied for an apartment through XXXX XXXX 's guidance, he advised me to falsify my rental history by claiming that I had been residing in one of his Georgia apartments since XXXX. This misinformation was exposed during the background check, leading me to cancel the apartment application due to the misrepresentation. Despite my initial reservations, XXXX XXXX convinced me to give him another opportunity. He claimed to have identified a real estate company that permitted subleasing, and I proceeded with the application process. I received approval based on my credit, but upon carefully reviewing the lease agreement, I discovered that subleasing was explicitly prohibited. Realizing that this was not a viable path forward, I promptly informed the realtor of my decision to withdraw. When I attempted to contact XXXX XXXX to discuss this situation further, he became unresponsive for an entire day. Feeling deceived and misled, I canceled the contract and requested a refund of the {$3.00} I had paid. Initially, he agreed to refund the money, but he later claimed to have used it to purchase furniture without my consent. As I insisted on a refund, XXXX XXXX continued to pressure me and even went so far as to block my phone number when I set a deadline for resolution. Disturbed by the ongoing situation, I reported the matter to the local police and contacted XXXX XXXX 's supposed employer, XXXX XXXX XXXX, who confirmed his fraudulent activities under their name. To exacerbate the situation, US Bank, where the initial payment of {$3.00} was made, has proven to be of no assistance in resolving this matter. Despite my attempts to seek help and address the fraudulent transaction, US Bank has displayed a lack of responsiveness and failure to take appropriate action to protect its customers.. Sincerely, XXXX XXXX Here you will find my letter to the US Bank To : U.S Bank XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Subject : Dispute of Unauthorized Transaction and Fraudulent Activity Dear Sir/Madam, I am writing to dispute an unauthorized transaction on my account, which I believe stems from fraudulent activity. The situation revolves around my dealings with a company called " XXXX XXXX '' and its owner, XXXX XXXX. Initially, I found " XXXX XXXX '' online, advertising turnkey investment opportunities. I spoke with XXXX XXXX, who claimed to be running the company with a team to handle transactions. However, I later discovered that he operated alone, and this was just the beginning of a series of deceitful actions. XXXX urged me to read a contract promising to help acquire BnBs for {$10000.00} and offered project management services for an additional 15 % of monthly revenue. He assured me that the state of Georgia had no regulations against XXXX or subleasing. When I applied for an apartment, XXXX advised me to falsify my rental history, stating I had lived in XXXX of his Georgia apartments since XXXX. However, the background check revealed the lie, and I decided to cancel the application. Despite my initial reservations, XXXX convinced me to give him another chance. He claimed to have found a real estate company that allowed subleasing. I proceeded with the application process and got approved credit-wise. But upon reading the lease agreement, I discovered that subleasing was explicitly prohibited. Realizing this was not the right path, I informed the realtor of my decision. When I tried to contact XXXX, he was unreachable for the entire day. Feeling deceived and misled, I canceled the contract and requested a refund. Initially, he agreed to refund the money, but later claimed to have used it to purchase furniture without my consent. As I insisted on a refund, XXXX continued to pressure me and blocked my phone number when I set a deadline for resolution. Disturbed by the situation, I reported the matter to the police and XXXX 's supposed employer, XXXX XXXX XXXX, who confirmed his fraudulent activities under their name. I believe the unauthorized transaction on my account is directly tied to the deceptive practices of " XXXX XXXX '' and XXXX XXXX. Therefore, I kindly request your assistance in investigating and reversing the transaction promptly. Additionally, I seek measures to protect my account from potential fraudulent activities in the future. I have attached relevant documents to support my claim and am willing to provide any further information necessary to resolve this matter. I appreciate your attention to this serious issue and anticipate a prompt and fair resolution. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: I just reached out today as i was creating this dispute they told me that i never updated my address when the address was updated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have been approved for homestead exemption on my property taxes due to my limited income so every year I would receive the taxes back until last last year XXXX and this year XXXX. When I called about this, they have no idea what is going on and want to do an investigation. I have their paperwork showing that there is money held under property tax. This has caused financial hardship for me trying to stay on track with my payments. I have also asked for the monthly statements to reflect accurate numbers and they have not been able to do so. They have told me that I am in escrow shortage which with the next payment I make next week that will not be true and they want me to increase my mortgage payments which is uncalled for. I have showed these mortgage papers to another bank who told me that the bank holding my mortgage has mistakes in the statement and is holding money they should not have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: This all happened today, XX/XX/23. The card mentioned " Use anywhere in the U.S. where Visa ( R ) debit cards are accepted ''. The card is issued by " U.S. Bank National Association ''. The only two places mentioned on the card are the phone XXXX which is an automate only system ( contacted during normal business hours ) and the website www.prepaidgiftbalance.com which does not provide any contact us information besides the phone number. The issue : I tried to use my card online at XXXX, payment got declined. Registered the card, tried again, failed, set up a pin and tried again failed. Tried to contact the company but the phone system did not provide options besides lost card/check balance/set up pin. Nothing about talking to a person. The website support referred me to the phone number. I also reported this problem to the FTC. I will try to use the card in a store. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Several months ago I asked U.S. Bank to stop sending me paper statements because we need to save trees and because of mail theft. I said I only want paperless statements just like any other company I pay bills to. But when you try to click paperless statements on their website it said something like your account isn't eligible. So I made some calls and some complaints requesting paperless only. Well the paper statements stopped coming, but then in XXXX the statements on the website stopped coming too. I can see the statements for XXXX, XXXX, XXXX and XXXX on their website. But XXXX and XXXX are noticeably absent ( and XXXX but that probably hasnt been released yet ). So I called U.S. Bank on the phone about this matter and one of their phone reps claims they are aware of the problem of statements not showing up online for clients. I find that hard to believe because that means this problem has been unresolved for 3 months now. I find it hard to believe a reputable and professional company lets their clients go 3 months without being able to see financial statements. I filed a XXXX XXXX XXXX complaint against U.S. Bank about this, asking for the statements. On XX/XX/23 the XXXX wrote to me saying " XXXX XXXX XXXX has received a response from US Bank addressing some or all of the issues raised in your complaint. Upon review, the XXXX has determined the company has chosen to remain firm in their position and not offer an alternative resolution. '' U.S. Bank is holding my statements hostage. How am I supposed to report the interest on the loan through my taxes? Why isn't U.S. Bank taking this more seriously? This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Paid {$3000.00} down payment on 2014 jeep XXXX XXXX. Brought it back multiple times. The first time being XXXX weeks after I bought. Had multiple recalls which they never addressed. XXXX of the recalls which has no remded to fix the recall. Nothing ever was fixed only cleared my check engine light then sent me on my way. I spent countless times emailing about the problem and trying to contact management. Which they never once got back to me. Then I decided to trade in the vehicle with all the problems I had on it. They decided my vehicle was only worth {$10000.00} because of the problems which they never fix or addressed to me while I had the car. I was left with nothing else to trade it in or not have a working vehicle. The vehicle I had gotten, had a broken headlight which when I had told the car salesman. He stated in text that he would have a new XXXX ordered and after XXXX weeks never gave me an update. Then when I had called today. They said they never ordered it and they werent going to fix it anymore. When I had bought the vehicle the XXXX had stated everything including the tires was in my warranty. Which was a lie. He basically told me XXXX thing and had me sign another after being in the car dealership for XXXX hours. This isnt the only problem Ive had with them either. I had purchased a XXXX wheeler from them and the second day the radiator fan had blew which was a {$400.00} fix. XXXX convinced everything there has multiple defects they hide to pass inspections. Which is straight fraud to the XXXX items Ive bought from them since XXXX, all of which have had multiple problems and they fail to help those issues. Ive spent over {$7000.00} in payments towards everything XXXX the $ XXXX I lost on my trade in they wouldnt add for my jeep cause it had recalls. XXXX just beyond stressed mentally as this has been my first time financing anything besides a house. And its been a complete nightmare! They wouldnt even ship me my papers for my car for XXXX weeks after I paid. They refuse to give me my down payment back from me originally buying the first car and refuse to give me my XXXX coverage money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My accounts from Union Bank were improperly ported to US Bank when they purchased XXXX Bank. This was due to errors committed by US Bank, which they previously admitted to. An improper email account was associated with my business account and remains there. Multiple attempts to correct this by myself via the bank website have been unsuccessful. I attempted to have the issue addressed by chat support via the website. The agent gave me conflicting information about whether they could solve the issue before disconnecting from the chat. Attempts to reach another agent by chat was unsuccessful. Multiple attempts to have the issue addressed by phone support have been unsuccessful as wait times to speak to an agent appear to be about 25 minutes, according to their automated support system. I am unable to properly manage my business account because of the incorrect email address appearing in my account settings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: I disputed additional charges to my Philadelphia Federal Credit Union credit card for a stay at XXXX XXXX from XX/XX/23 - XX/XX/23 for {$130.00} and {$210.00}. The credit card bank resolved my dispute in favor of the merchant without verifying if this documentation they sent as proof was valid. The merchant states on their documentation Booking.com. I did not reserve my stay through XXXX. I made my reservation in their website. After explaining this to 2 representatives at the credit card bank, I received a call from the supervisor. The supervisor was very unprofessional and yelled at me during the call. I was treated unfairly as a customer. She then said her team made a mistake when they told me that the merchant used XXXX to confirm the charges and when they sent a print out showing the merchant stated booking.com on the receipt. If this was a mistake, how did the credit hard bank get the receipt with booking.com on it and mail it to me? I dont think they wouldve made it up. You will see the original receipt for my payment in full prior to staying at XXXX XXXX. You can see the difference in pricing. XXXX used my signature from when I arrived on XX/XX/23 to look like I agreed to the additional charges. If you notice, there is no signature for XX/XX/23 when I checked out. Also, there is no date stamp to show when their documents were printed. Only the dates from their booking system that they can change at any time. However, there is a date stamp on my documents from the printer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an business checking account with US Bank on XX/XX/ and deposited {$16000.00}. They closed my account without my authorization on XX/XX/ and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license to verify my address ( front/back ), social security card ( front/back ) and two billing statements from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the originating bank that I initially requested to transfer the funds to US Bank ). Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. I've sought help from my originating bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. XXXX from US Bank XXXX Customer Assurance DDA Fraud and Risk Prevention Office of the President ( see attached documents ) said that US Bank will return the funds back to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( after 15 business days from XX/XX/XXXX ). It is XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has still not received the funds ( {$16000.00} ) even after 25 business days. US Bank Reference Number XXXX Account number : XXXX
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: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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: I have a credit card with US Bank for 10 years. In approximately, XX/XX/XXXX I noticed I wasn't able to use my card. When I called the bank, they told me that I had opened a checking account with them and transferred all the money from my credit card to the account in the amount of approximately {$14000.00} ( based on what they are reporting on my credit report ). They did not provide a lot of detail. They never really specified the total amount of the transfer. They said they would investigate and sent me a new card. They opened a claim, claim number XXXX. Side note : When I called to activate my new card, XXXX XXXX, at the bank stated several charges were made in another state, or out of my area. I asked for a statement at this time. It was never sent. I called and inquired for statements several times. They never sent anything, but another card. In XX/XX/XXXX, I received a letter stating that my claim for identity theft was approved and that they would remove all reporting agencies. However, instead of clearing my debt, I started receiving harassing calls to pay XXXX. I have several bills from Card Member Services or payment services attempting to collect the debt. When I called US Bank they told me the last time I called and said they didn't know why I was calling. They said the debt was resolved but as of this month ( XX/XX/XXXX ) they sent me paperwork to open a dispute. I sent it back in. As of today, I am still getting a bill for XXXX. I called the fraud department recently to find out the status of my claim about 3 weeks ago and when they heard my name they hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 149XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A