Date Received: 2023-09-20
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: US Bank did not iniciate an Escrow Analysis since I requested several times to do so since XX/XX/XXXX. US Bank is unlawfully charging my escrow account for random charges including Appraisal when I'm not in forclosure or default and will not refund or cancel the appraisal, They have been charging unlawful charges to escrow in different amounts from what I can see on my account since XXXX, and will not let me see any bills from before XXXX to assess those. I have asked for a refund due to state law in vermont, : Only charges to escrow is insurance and taxes. US Bank has been charging excess fees, attorney fees, exterior inspections, dib fee?, and so on for the passed 2 years. They claim on such statement this is lawful and it is not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Contacted company multiple times because card did not work. Keep getting the run-around and am told they are doing something to fix it when in fact they are not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I am filing a complaint against US Bank regarding mortgage payment issues. I am receiving payments from the Homeowners Assistance Fund ( HAF ) which is a Federal Program. I was approved for 18 months of payments in the amount of XXXX. Since the beginning HAF payments have been sent to US Bank in batch payments on the first of each month. This was confirmed by representative at HAF. However US bank applies the payment during the middle of the month so that late fees are incurred and negative credit reporting applies. Due to increased escrow analysis I am now responsible for the overage that HAF doesn't pay which is a hardship for me but I manage to scrape up payment. The issue is that according to US Bank I can not make the overage charge until AFTER they post the HAF payment which causes my portion to be late and negative reports to credit bureau. US bank should apply the mortgage using the date they receive the payment which is the first of the month not on the date their employee decides to manually post it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter to me stating they had transferred my Mortage Loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX as XXXX XX/XX/XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX over paid XXXX XXXX XXXX Ins twice to XXXX Homeowners Ins. with payments of {$1900.00} and {$1900.00} respectively. I only owed {$1900.00} ). XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX : XXXX XXXX XXXX. U S Bank XXXX XX/XX/XXXX U S Bank sent me an Escrow Analysis that they had completed and send to chase informing me of an escrow shortage and my moortage payments would b going up & XXXX, even though their analysis was mad on incorrect data on XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX and XXXX, I contacted all three parties in efforts to correct this. They would not correct the error on the excrow or my Mortage. My mortage is set to increase on XX/XX/XXXX. This is deception, abusion, discrimination and failure to communicate with me to solve this error by all three paeties listed above. I am asking for this Notice of Error to be Corrected by XX/XX/XXXX and my Motage monthly payments should be {$1300.00} as I also do not owe any more PMI insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: While I have been in the process of getting qualified to purchase my home, an account was brought to my attention by a XXXX XXXX that was showing on my credit report. The account was added in XXXXXXXX XXXX XXXX without my knowledge or consent. In fact, the individual who added me as an XXXX XXXX onto this account has received XXXX XXXX requesting the exact opposite. In fact, I have recently initiated XXXX XXXX against the individual for other reasons. The company, Elan Financial Services, was contacted by me on XXXX XX/XX/XXXX. I requested access to be able to view the account XXXX through XXXX XXXX and the representative would not give me access. I am not sure why I was unable to receive this access upon review of the full policy and terms of agreement for the XXXX XXXX XXXX, I should have been able to request access or information. This has been taxing my report heavily, showing I am XXXX XXXXXXXX in debt that is not mine. Please expedite and investigate this matter to the fullest extent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/23 I submitted a balance transfer request from XXXX XXXX card ( XXXX XXXX ) to XXXX XXXX. On XX/XX/23 I could not use my credit card due to security verification needed. The rep said the balance transfer request was done online and we need to ensure it was you. I verified the transaction but there was some mis-information about delivery times to XXXX XXXX and what method would be used ( paper check to them or ach payment ). Today XX/XX/23 I requested the balance transfer to be cancelled. The reasons being the delay with validating my identity and lengthy processing time I will not only be paying a balance transfer fee and accruing interest at XXXX XXXX. The reps at XXXX stated to me today the transaction could not be cancelled because it was in process ( estimated time frame 14 days ). The supervisor stated that I agreed to the terms and conditions. No where in the terms and conditions state the balance transfer can not be cancelled. I was informed it can only be cancelled when a check is issued or an ach done to XXXX XXXX. This makes no sense. Can CFPB please provide assistance. 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: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: created US Bank Smartly Checking. I deposited {$10000.00} into DIRECT DEPOSIT. I opened a checking account with the conditions below and have not received it yet. I already met the conditions and requested confirmation over the phone. I was supposed to be notified of the results via EMAIL, but there was no communication. I should get paid {$600.00}. I hope that action is taken quickly. ( 1 ) Open a Smartly Checking account at the branch or online by XX/XX/XXXX. ( 2 ) You must deposit at least {$25.00} to open an account. ( 3 ) DD total at least twice within 90 days after opening the account- {$200.00} bonus for purchases over {$3000.00} and under {$5900.00} - {$400.00} bonus for purchases over {$6000.00} and under {$9900.00} - If you spend over {$10000.00}, you can receive a {$600.00} bonus.
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: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 my taxes were electronically deposited. {$43000.00} I went to send a wire transfer to a friend of the family who is also our tax agent for my mother of {$16000.00} to her personal bank. The teller XXXX at US Bank XXXX XXXX XXXX asked what was the money for and an explanation for the tax refund while asking personal questions about myself in a casual conversation. He marked down that my refund was a payment from my publishers by accident. The misinformation got the account closed. I tired on numerous occasions to resolve it, was even told by an agent I was being investigated by the IRS, until ultimately decided to wait until after tax season to contact IRS. They responded in XXXX stated they didnt know why US bank was withholding the funds. I emailed that to a bank branch XXXX and she requested more information from the prevention department. After ignoring me for 2 months, I speak with XXXX at the XXXX XXXX location and she explains that they will not return it and to call the IRS to get them to request a return. I asked for documentation she refused, told me to stop calling and hung up in my face. I just want my refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Re : Consumer ID # : XXXX Date of Dispute : XX/XX/2023 Dear XXXX and Consumer Relations Dept, This is my second dispute of an inaccurate record in my XXXX report regarding a US Bank checking account. I am unaware of having a negative balance with this banking institution. I recently received a second copy of my XXXX report and discovered that it contains information suggesting an outstanding negative balance with US Bank. However, no documentation was provided to substantiate these claims. Your investigation into my first dispute did not provide me with any written documentation of this account. In light of this discrepancy, I kindly request that you provide me with the following documentation to substantiate the existence of this account : A copy of the account application or contract, if applicable, bearing my signature. Any relevant account statements, transaction records, or correspondence related to this account. In the absence of any such documentation, I ask that this information be immediately deleted from the records you maintain under my Social Security number and provide an updated report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called US bank to close my card in XXXX. I got a letter in the mail that my card wasn't closed and that the annual fee was past due. I called in and they refused to refund the annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98604
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A