Date Received: 2021-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I am being dunned for a past due amount ( currently {$130.00} ) on a credit card account ( ending with XXXX ) that was closed on XX/XX/2021 at XXXX XXXX CDT. All substantiated charges at that point were paid. What remained at that point were approximately {$77.00} worth of unsubstantiated charges ( i.e. no vendor, no product or service, no quantity, no transaction whatsoever ). I explained this to US Bank rep, XXXX, at the time. He confirmed during this conversation that the account would be closed, the unsubstantiated charges written-off, and a confirmation letter would be mailed. I received a confirmation letter from US Bank, dated XX/XX/2021, shortly thereafter. This all stemmed from a US Bank error in the transfer of my XXXX XXXX accounts to US Bank. In transferring my account -- without my knowledge or permission -- US Bank changed the account & routing number for my checking account in multiple automated payment records for multiple vendors. And they entered an invalid combination of account & routing number. This error occurred in late XXXX and was acknowledged belatedly by US Bank in a letter to me dated XX/XX/2021. Despite multiple calls trying to resolve this as well as a letter delivered by registered mail, I am receiving monthly bills with compounding fees & interest charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: dear sir, the problem being that i submitter a payment from XXXX XXXX in XXXX, louisiana of XXXX to authuris this payment to XXXX/us bank , on about XXXX instead they were 2 seperate transferes on the same day within a short amount of time and another transfere of XXXX was transfered from my account @ XXXX, i want XXXX returned to my account, i only authorised one payment of XXXX.called XXXX for assistance and was turned over to someone i could not understand what the problemi is or how to fix it, ... ... ... because of this, there will probaly be checks that will bounce..please help out, i live on social security and every dollar counts, i am a old vetran trying to live in this world to see my grand child before i die. XXXX XXXX The name of the supervisor I am dealing with at US Bank is XXXX XXXX phone number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70043
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a credit card with Elan Financial. But every time is Elan Financial calculates Reward Point " willfully '' wrong and also, it does not allow me ( other consumers similarly situated ) to redeem Correct Reward Points on-time. There is always a story, Not XXXX, Not XXXX and story goes on ... ... ... ... ... ... ... ... ... ... ... .. Elan Financial is engaged in massive consumer fraud. Once I get reward points, I plan to close this card. Operators are racially abusive and discriminatory. This is not the first time I complained about Elan, this is the third time with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: opened up a secured line of credit / loan with the bank and the product reported as a revolving line of credit such as a credit card and I took a 95 pt loss on my score. this was being apart of the wealth management division of usbank.It has taken me longer than 1.5 years to get my score back up that high due to how its reported as an evergreen product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I have some concerns, USBank Wealth Management product offered, secured against my own cash, and using the elite product offered, after 1 month of use I suffered from a 95pt credit loss. Looks like the liquid assets line of credit, had posted. Its reported as other vs equity line or remarks for adding secured Is there anything the bank could do to work on how it reports? 1. Liquid assets presentation 2. The loan policy on the product 3. Signed liquid assets line of credit agreement 4. Benefits Brochure of the product there have been multiple clients, 2 clients also that have this locally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed for bankruptcy in XX/XX/2019 and have remained in bankruptcy. My payments went up about {$400.00} but kept going up within the next year and after 1 year went up almost {$1000.00} which I couldn't afford anymore. I called my mortgage company at the end of XXXX to see if I could apply for a loan modification and was told I did qualify. I was informed I would receive my paperwork 7 business days and would have 14 days to return them signed and notarized. Over the next 9 weeks I have called US bank at least 9 times to try and get the paperwork mailed to me or my bk attorney 's office with no success. I made the payment they verbally advised me to make and now at 10 week, I have not received my paperwork. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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: Received fraud opened product from XXXX tried working with XXXX said they would send out a return label and still nothing from them XX/XX/2021 N/A credit adjustment XXXX + {$700.00} XX/XX/2021 N/A credit adjustment XXXX + {$950.00} XX/XX/2021 N/A debit adjustment XXXX XXXX XXXX {$950.00} XX/XX/2021 N/A debit adjustment XXXX XXXX XXXX {$700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank requires a person to go to a lobby to wire money or get a cashier 's check. Fair enough. However, in my area ( XXXX Washington state ) all of their lobbies are closed, no one answers the phone to schedule a lobby appointment, and ( understandably ) there is no way to get a wire or cashier 's check from the drive through and ATM. I tried for days to get an appointment to get my money. US Bank 's branches in my area would not respond to me. They don't even answer the phone. Ever. I am trying to wire or get a cashier 's check for about {$500000.00} to close on a house on a tight time line. US Bank has a XXXX XXXX of my money but won't let me get it. Requiring consumer to go to a lobby for a large transaction is certainly reason. However, I believe it is an unfair and deceptive trade practice for a financial institution to require consumers to go to a lobby to get their money - but then not open up lobbies for them to do so. It's like US Bank has the key to my {$500000.00} ( the ability to enter the lobby to conduct a transaction ) but won't give it to me - the net effect is that US Bank has my money and I don't, and they won't let me get it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98382
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX I did a loan modification on my mortgage with US Bank XX/XX/XXXX I sold the property and had to pay {$13000.00} back to HUD That amount sounds excessive and I do not think it is accurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: US Bank makes it increasingly difficult to request credit card agreement and terms. US Bank makes it increasingly difficult to file disputes on charges. US Bank credited me back XXXX cents XX/XX/2021 for my dispute on a merchant charge plus my rewards credit of XXXX cents on XX/XX/2021. US Bank subsequently stole my money from a dispute and rewards redemption claiming they are unable to mail a check for under a dollar. US Bank made it difficulty to receive my funds back stating I would have to make numerous calls for a resolution. On XX/XX/2021 I called to speak to card member services representative XXXX who requested a manager call back on my behalf. Final resolution still pending on numerous issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A