Date Received: 2023-10-18
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 service for expirian and he sent me a notice that have my credit user go up. I login and I fine a credit card for US bank State Farm is used for {$4300.00}. I call to US bank and report the fraud problem the purchase was made in XX/XX/XXXX and XX/XX/XXXX ( I have the card for more the 4 years and I never active and never used ) He toll me that I have a credit the {$970.00} and respond that credit do not my ether. I received the balance for XX/XX/XXXX with the purchases take out and for a credit ( that no is my ). I received a new balance for XXXX with all the purchase again for {$3300.00}. I call and he toll me that they contact the commerce and i need pay the bill, and If I had a police report. I go and make a police report and fax to US bank for the reopen a case. He never send nothing again. Yesterday I received a email tell me that I have my bill past Due. I call and now my balance go up because he charge me interest and penalties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My bank account was hacked & used & money was transferred in and out from credit card to checking, US bank had FIVE DEBIT CARDS ATTACHED TO MY CHECKING ACCOUNT AT ONE TIME WITH 3 checking accounts established until they could figure out what was going on but only made the problem larger with so much confusion with the mishandling of disputes & money transactions, transfers, purchases, deposits, I filed a police report XXXX police & fbi for fraud identity theft, also filed claims with US BANK & my insurance company.money was taken out of my us bank visa as payment {$2000.00} on XX/XX/23? My visa account was. Closed & left with a balance of fees {$740.00}?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: U.SBank has made me close XXXX accounts, and locked those XXXX accounts and blocked my online banking, even though I tried to comply and understand with what all the many FRAUD specialists had me do. I have had them close my accounts, and then be late sending me card replacements. They neglected to tell me, until XXXX, XXXX XXXX, that the reason my accounts were blocked was because I didnt close my previous accounts and open new ones. On XXXX I complied, and now I have to wait to use my accounts. I have to check in on XX/XX/ to make sure I will be able to use my accounts ( XXXX ) for food, bills, etc., ( this is the third time I have had to jump through the hoops because of a fraud on my account in XXXX XXXX ). This time they replaced XXXX card but havent given me the PIN number, which is supposed to come in the mai, separately. My replacement card and pin have not been sent. I cant access my accounts online until they unlock my accounts ( again ), supposedly on Friday, XXXX XXXX times since XXXX I have been in the verge of defaulting on my mortgage, my utilities, my phone bill, my insurance bills, and now my homeowners tax, due soon. I can not, again, by food, gas, or take care of myself like this. I feel like they dont know what their policies are, having been stalemating my access to my money.They are in California XXXX I am in Georgia XXXX so the problems to resolve these issues are extended to my not being able to go into my branch, as that one is closed now, after their merger with XXXX XXXX XXXX I am fearful of losing my house, and everything else because I will owe creditors that will add late fees and can not pay them in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31792
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Please refer to case XXXX US bank mentioned in their doc that they confirmed with XXXX that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: i do not know where those inquiries came from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When striving to qualify for a home loan, my lender conducted a credit score check, revealing a significant drop in my score attributed to a late fee from US Bank on my credit card account. Upon closer examination of my US Bank statements, I noticed that I had made three separate attempts to settle the card 's outstanding balance prior to incurring the late fees. These attempts were confirmed through my online statement, which displayed successful money transfers on each occasion. I firmly believe that the responsibility for this issue does not lie with me, as my credit card statements distinctly illustrate my three efforts to clear the balance in full. Regrettably, my credit score has suffered due to this discrepancy, preventing me from progressing with my home loan application. My primary objective is to rectify this error, which I maintain is a result of US Bank 's oversight rather than my own. Please let me know if you would like further edits or if you have any specific points you'd like to emphasize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83854
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened a business checking account with US Bank on XX/XX/XXXX. Made deposits in XXXX and XXXX to the tune of {$15000.00}. Made a credit card payment on XX/XX/XXXX. However when I tried to make a withdraw at the end of XXXX the account was frozen. I immediately called US Bank, who told me my account was under fraud review and frozen. I called back the first week of XXXX, and was told the account was due to be closed, and a letter would be sent my way with a cashiers check to follow. It is now XX/XX/XXXX and I still have not received a letter explaining the account freeze, nor my monies. I called twice more in XXXX and the first week of XXXX, always being told the account was under review, and I should receive the funds shortly. It's been over 45 days and I still don't have access to my account, money, nor a written letter from US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I had to change my automatic payment data with Elan financial due to a security issue with the account payments were made from. From that time on when logging into the account, I was faced with a banner that stated the automatic payment could not be made by the time it was due and I was advised to make a manual payment. Since the payment was due on XX/XX/XXXX, I submitted a manual payment on XX/XX/XXXX. That payment was processed and {$2600.00} was taken from my account as I directed. Elan financial then submitted a second payment and withdrew another {$2600.00}. Obviously the message that Elan gave me was false and do to their false information, they wrongfully took that money from my account. I discussing this with Elan, they said they could not guarantee when the money would be returned to my account. Regardless of when the money is returned, this is a case of fraud, using false information to obtain money they are not entitled to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: My husband and I applied for refinancing of our mortgage loan. An issue arose regarding {$360000.00} in XXXX loan debt. The bank was provided with a copy from the XXXX loan provider that the debt was forgiven. However I was told the letter was not sufficient because the debt still reflected on my credit report. I was advised to contact the XXXX loan carrier and get documentation. I was advised by the XXXX loan carrier to login into my XXXX account and provide the bank with a screen shot of my account which reflected the correct balance. I did that and forwarded it to the bank. After a week, I contacted the bank and they said the issue is still not resolved and that I need to join a call with their third party verification provider to verify that the debt was forgiven. I participated in the call, but the verification person ( hired by the bank ) stated that the hold time was too long and that she could not wait. While on the phone with the verification person I called the Loan Processor, XXXX and explained that the verification person refuses to wait on hold. XXXX XXXX response was that they could use the automated line. When the verification provider reported the information to the bank they did not address the {$360000.00} adjusted loan because technically needed to speak with a representative. As a result I was told we would not qualify. Although they were aware the information could not be verified. To help resolve the issue I reached out to the credit bureau and they confirmed that the loan had been adjusted to XXXX however it would take 15 days to get a credit report. Representative recommended that I enroll in a credit program for {$19.00} per month and I would get access to my credit report immediately. I did that and I screen shot the XXXX balance information and forward it to the bank and was advised " great news. '' But they need to probably pull another credit report to verify XXXX updated information. When I previously requested them pull a second credit report after I confirmed that the XXXX balance adjustment was done after our initial application process. I was told no, they can't do that unless its 90 days or more " it will hurt my credit. '' I would also like to add when the bank sent the appraiser he assessed my home ( with a dirt driveway ) {$200000.00} the balance owe was {$59000.00} the loan request was {$120000.00}. Again week later I called to check status of loan and was told the appraiser needed to comeback to our home after the concreate was poured. That was never communicated to us and frankly why was it necessary ( it created over a week delay ). US Bank has intentionally created unequitable paths to obtaining refinancing. As you will see in the documents that I have attached the communication was unprofessional and in my opinion bias. Although members of management were included in the emails they had nothing to say about how to move things forward in a professional matter. My husband and I have been customers for more than 20 years and are shocked at what appears to be discriminatory practices. At our initial application meeting the processor XXXX XXXX question us about missed payments from over 5 years ago and later said the bank only goes back one year for the approval process. We consider that to be another violence of our rights to be treated with dignity and fairness
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I submitted a complaint with XXXX XXXX XXXX XXXX on XXXX XXXX XXXX I am requesting a copy of the Original Purchase Agreement from Debt Collector. The account that I had with the credit was sold in the information reporting on my credit file is incorrect. Complaint ID : XXXX Please provide me with the Original Purchase Agreement for this Account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A