Date Received: 2022-08-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My XXXX us bank card is used to receive my dividends from XXXX and I was r evenly alerted Due to non payment of a bill bill I continually pay monthly for a the for a traffic ticket Due to non payment of a bill I continually pay monthly for a traffic ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket That wasn't receiving payment so I called to check about my card well I don't use my funds for anything and I get money every 3 months or so biannually I do not keep log on how much I receive II just know the only payment I do get do is the one for the ticket Well I called to dispute charges and they closed my account saying that I violated card turn art terms and conditions by being frauded Badly said I would file a police report to Significantly show the damage that has caused I have not received the amount that has been used nor have I received I received a reinforcement for over a year of fraud has been done to my account supposedly I requested 2 cards recently which I never did My payments are anywhere between XXXX {$300.00} by annually I called to dispute and 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: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
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: On XX/XX/XXXX the following charges labeled XXXX XXXX XXXX XXXX XXXX CA were posted to my XXXX XXXX XXXX by Elan Financial Services XXXX 14 transactions at {$200.00} each 1 transaction at {$50.00} Total {$2800.00} The merchant category per my Elan statement was Heat Plumbing A/C. These were fraudulent charges as I did not request, authorize or receive any services related to these transactions. I contacted Elan, told them these charges were fraudulent and they credited my account on XX/XX/XXXX, cancelled my card and re-issued me a new card. Then on XX/XX/XXXX and XX/XX/XXXX, Elan reinstated {$2200.00} to my account saying After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ). I have contacted Elan by phone and asked them to remove these fraudulent charges on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each time, the representative told me that they would have a manager call me to discuss but they never did. I also requested Elan to provide their documentation that I allegedly received these transactions which they agreed to send me but have not done so. Elan Financial Services wont respond to me so I need your assistance to have these fraudulent charges removed from my account. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: In XXXX of XXXX I assumed the lease of a XXXX XXXX XXXX truck. I am a resident of New York. The original leasee was a resident of KY In NY vehicles are taxed one time at the time of purchase or lease. In KY vehicle tax is due annually, billed each XXXX. I paid the full sales tax for the duration of the lease in NY, when I registered the vehicle in my name in XXXX of XXXX. At the time of registration, I gave the NY Dept of Motor Vehicles a closing package that I had received from US Bank and presented a Limited Power of Atty. to effectuate the enclosed documents. In XXXX of XXXX I was billed for KY property tax. I began disputing KY taxes at that time. US Bank told me that KY assesses annual property tax on all vehicles titled in their state and for some reason the vehicle title hadn't transferred from KY to NY. They first told me that it was my responsibility to dispute the tax with XXXX County. Then they told me the title not transferring from KY to NY was my problem. Both of these situations are only be able to be resolved by the OWNER of the vehicle. I contacted US Bank and explained to them that only they, as the owner, are able to resolve these issues. They have refused to correct the title issue, but continue to double tax me on the vehicle. I have spoken with countless US Bank representatives and disputed the KY tax. Each time I get a " canned '' response that " as the Leasee, you agreed to pay the taxes and fees due '' - I understand that I agreed to pay the tax due, however I don't feel it is my responsibility to pay taxes in two jurisdictions because of their error. I received a letter from them stating that ; " you will continue to be charged annual personal property tax on the vehicle if it is physically located in the state of Kentucky based on XX/XX/XXXX of each year. '' Based on this letter I again disputed their KY tax charge. I was told that If I sent them proof that the vehicle was continuously registered in NY from XX/XX/XXXX, that they would disregard the KY tax charge. I provided this information and their reply was the canned response that I still owed the tax. I extended the lease on a month to month basis, from the contract end date of XX/XX/XXXX. In XXXX of XXXX I requested that we terminate the lease extension, primarily because I did not want to possess the vehicle on XX/XX/XXXX of XXXX and be assessed another KY tax bill. I was told to drop the vehicle " at any dealership in my area ''. No dealerships in my area deal with US Bank and none would accept responsibility for the truck, nor could they provide any documentation that I had surrendered the vehicle & its condition. I contacted US Bank and shared this. They then stated that there was a " home pick up '' option. It was the last week of XXXX and I requested that this occur. I heard nothing from them. In mid XXXX I was billed for a XXXX lease payment, a XXXX lease payment and KY property tax for the year XXXX. I promptly disputed this and they backdated the lease to XX/XX/XXXX, waived the XXXX & XXXX payments, arranged for pick up of the vehicle, but demand that in addition to XXXX taxes, that I also pay XXXX taxes on a vehicle that I do not have in my possession, nor was I obligated by any contractual agreement for XXXX. Summary ; I was assessed XXXX, XXXX and XXXX KY Property tax through an error and subsequent unwillingness on US Banks part to resolve the issue. I don't have the benefit of the vehicle in calendar year XXXX, therefore why should I pay KY tax for someone else 's benefit? As stated the letter dated XX/XX/XXXX " you will continue to be charged annual personal property tax on the vehicle if it is physically located in the state of Kentucky based on XX/XX/XXXX of each year ''. - This vehicle was not. Letter dated XX/XX/XXXX states - " We have grounded your account and backdated the file to XX/XX/XXXX. As a result, you will not be responsible for the XXXX and XXXX bills. '' - Based on this statement I am clearly not responsible for lease/use payment and therefore not responsible for subsequent charges related to the vehicle in XXXX, including the annual XXXX use tax bill for KY Ironic that they chose XX/XX/XXXX as a date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had received a phone call from my bank saying that someone was trying to access my XXXX and then I need to reset it, The number on my caller ID was US Bank. I was told I need to forward myself the amount of money I have in my checking account to restart my XXXX. This happened back in end of XXXX, my bank denied my claim and XXXX has not gotten back to me. I transferred a little over {$1300.00} That they asked for and I never got it back. I have a screenshot of the account I sent the money to but Us bank nor XXXX cares. I don't know what else to do. It put me in a financial burden.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Please see the attached 4 documents recorded in different county Court records across Florida, initiated by XXXX XXXX XXXX, a supervisor of US Bank, in XXXX XXXX, WI. All contain robo-signatures to pull the document out of the XXXX XXXX XXXX XXXX presented " herself '' twice on one document as a US Bank employee requesting the document AND on the other end as a XXXX employee/witness. This is the FIRST step the perpetrators take in a series of action to take total control of property that does not belong to them, they haven't secured an interest in or paid value for. US Bank is a " front '' for investors. It's not a bank. It's not a servicer of mortgages. It sends out " misrepresentations '' electronically generated to victims to make them believe a mortgage and debt exists when it does not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/2022, myself and my wife file for a construction loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX over six months which we didnt talk to the underwriter or any other loan officer when we request it to speak to someone else. we had a hard time contacting XXXX XXXX. Matter of fact during the whole six months we had a hard time contacting him and his so-called loan team could not be reached, and I took at least two weeks every time that we requested something to contact him. The bottom line XXXX XXXX denied us because he said that we didnt have enough capital. XXXX XXXX didnt look into another construction loan like Single Family Home from USDA XXXX We believe he didnt try to get us alone also we dont know who is XXXX or incompetent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95632
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022 I ordered product for a company web site. I was asked to transfer funds using XXXX on my US Bank saving account sum of {$280.00} dollars, When I asked the company for shipping information using email ( XXXX ) got no response from the company, Tried a few times to contact them via chat on their website and no response. Contacted the person that I sent the money too and she " said I do not have your money ''. Someone named " XXXX '' has it and she can not provide information. XXXX XXXX email XXXX. Her email is not valid anymore and the web site is shut down. Thank you for any thing you can do to recover any of the funds sent. The bank can do nothing. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55901
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: US Bank is blaming their incompetence on fraud. They paid checks totaling {$18000.00} to a party that was not the payee. They have no info on which bank presented the checks or what account deposited them. I am out {$18000.00} because of their incompetence and they have provided no assistance in the month since I reported this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchase XXXX {$500.00} visa prepaid cards from XXXX on XX/XX/2022 and i found the next day when i tried to use the card that the balance on both cards were zero. When i checked the card balance on the website, i found out that the card balances were completely drained via XXXX x {$250.00} transactions on each card at the same time at XXXX. i have tried calling XXXX at their number XXXX XXXX XXXX at least 10 times the last XXXX weeks and no one seems to answer beside the automated message informing they are busy with high call volume and " to call back later ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/22 I used my bank card to rent a car while in XXXX XXXX. There was a deposit hold of {$250.00} and the total charge was {$220.00} for a total hold initially of {$460.00}. When I returned home on XX/XX/22 my account balance was showing a negative balance due to the holds. On XX/XX/22 I reviewed my balance which showed a negative balance of {$180.00}. I contacted the customer service number and was advised to make a cash deposit at a Bank ATM to return the balance to a positive which would relieve some of the Overdraft charges and prevent new ones. When I returned to the states I updated my address to XXXX, GA from XXXX, TN. I had to travel over 200 miles + round trip to get to a US Bank ATM to make a deposit. I was advised to speak to a supervisor regarding refunding the overdraft charges. On XX/XX/22 I contacted the customer service team again after seeing the Rental Car transaction had now appeared again in the account which forced the balance into a negative again. This situation was very alarming as I was not made aware of it the day prior when I spoke with the Customer Service team. The supervisor waffled around about what happened and wasn't able to give confident support of the issue. He eventually referred me to the bank branch in XXXX. I called the bank branch and was advised that if it was a merchant error with posting or a bank error then all of the fees could be reversed. I would have to reach back out to the Customer Service number. I called back and was routed to the disputes department. I advised as best I could of all the information and misinformation I had been provided over the last 18 hours or so. Eventually the agent I spoke with advised they could reverse XXXX of the overdraft charges. There had been XXXX overdraft charges on my account in the past week which is well above and beyond what is to be expected. I also removed the overdraft protection from my account in an attempt to prevent future occurrences like this that appeared to be prompted by some merchant or banking error connected with the rental car payment. I will also no longer be using the bank card for that kind of purchase after this series of events. At minimum, I would like for US Bank to review the scenario and provide a reimbursement of the other overdraft fees that were assessed on the account not only due to the posting error with Routes Rental Car but also due to the stress this has caused and the undue burden of having to travel XXXX miles round trip to deposit cash into the account at the instruction of the customer service team only to be advised the following day that the deposit wouldn't post until the following day and therefore it would not prevent any additional overdrafts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30736
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A