Date Received: 2023-09-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My account was closed they never gave me a reason they don't want to give me my funds They give me run around call Customer service is what they say I called customer service and they tell me the manager needs to talk to me but no!! He says to talk to representative I need help getting my money I'm going to stressful times of being unable to get access to my funds I can't concentrate at work it wearing me down I got bills to pay it's been over two months no money has been released or no check has been processed help me get my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I sold another property and my title company dispersed funds to US Bank on Monday XX/XX/XXXX from the proceeds of the saleto pay off my current HELOC balance on my primary home. Today is Friday and the loan still isn't paid down to XXXX. And probably will not be for another few days ( weekend ). The issue is on the US Bank 10-day payoff, the only options they give for payoff is to mail a check. This means that I am being charged interest every day until that loan is paid off. This is {$100.00} a day approximately. I called and spoke with XXXX today ( Friday XX/XX/XXXX ). She gave us incorrect information and suggested that the information on the payoff was correct and the only way that they could accept payment was a check being mailed. I asked to speak to a supervisor and spoke with XXXX in the XXXX office. She informed me that yes the payoff only gives the one option on their 10-day payoff. But if title only asked there are other options available. Very problematic that those options aren't clearly defined on a payoff. I let XXXX know that we asked XXXX this very question, but she gave us incorrect information and said that the only option was to mail a check. So she gave no other options. XXXX acknowledged this discrepancy and said that she will train her better. But that still does not change the fact that there isn't every option of payoff available on their 10-day payoff. And it doesn't change the fact when you call in and speak to a representative at US Bank that they are giving incorrect information. I asked XXXX if there was authority above her I could speak with. She said she was the highest authority that I could speak to. I asked if she would be crediting my account for the interest being charged. She said there would not be. I don't know what more would be a clearer definition of predatory lending than this is. That it takes 10 or so days to pay off a loan when no other options are given other than snail milling a check. So US Bank is earning extra days of interest without clearly allowing someone to pay off. This not only happened to me but I am sure this happens every day and at many other institutions. By the time the check from title is received from US Bank an additional $ XXXX {$1000.00} of interest will be collected. Policies need to be in place where a creditor allows a debtor to pay them off immediately to incur XXXX extra interest charges. I am definitely seeking reimbursement of interest charges for those extra days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/, I went to the XXXX XXXX branch of US bank to deposiXXXX {$640.00}. I checked my account and realized the money was never deposited in my account. I went back to the branch and they had deposited my money into someone elses account. They apologized and told me by the end of the week, they will deposit the money back into my account. Its now XX/XX/2023 and the funds are still not there. I contacted the representative and she told me she is sorry and will give me an update later today and she sent me an email with the same message. She has not called nor answer my emails for an update. Even customer service doesnt want to help me. I have been with US bank for over 15 years, I feel like someone stole my money and no one cares to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, my paycheck deposited into my checking account. Some auto pay transactions were pending and with them pending, my available balance was adjusted to reflect the funds available. I was positive. I called the bank to validate the information in which they did. I went through the whole week and XXXX business days later, transactions posted to my account that must have disappeared and overdrew me over {$400.00}. When i called customer service, the banker said i was always negative when i kept using my debit card. This was not accurate. I had contacted the bank multiple times during that week and did screen sharing sessions that would show the positive balances during the time they claim I was negative. Also the phone conversations/automated calls that reflect positive balance as well. The following direct deposit on XXXX brought me current after the checking account was brought current. I had enough money to make a few bill payments. The money deducted from my checking account as normal and i was able to maintain a positive balance. At some point my checking started to reflect a negative balance in which i was given an over draft fee of {$36.00}. As days passed, i would see my bank account reflecting a positive balance and finally on XX/XX/XXXX, XXXX transactions posted that put me at - {$9.00}. Somehow they charged me FOUR overdraft fees and when i went into the bank to address the fees, they said the type and amount of transaction can result in the issue of overdraft fees. At the time i didn't realize that i only had two transactions that were resulting the four fees. At the time i had another transaction pending for Internet payment and on XX/XX/XXXX, that payment posted and i was charged a fifth overdraft fee. I have no idea how they are calculating when to charge the fees but the fees exceed the amount of overdrafted transactions. They claim to have started an investigation but i did not see them take the steps to do this. I also have multiple transactions currently pending from merchants that i have placed stop payments on which has also resulted in deduction of available funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter To Whom it May Concern : On XX/XX/XXXX, I applied for a XXXX XXXX XXXX online in response to a promotional offer to earn a big {$500.00} bonus. I met all offer terms but have not received the bonus. Now, I respectfully demand that US Bank pay the advertised {$500.00} bonus. Otherwise, this matter will proceed to trial with all costs and fees taxed to the Bank. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: My name is XXXX XXXX XXXX have amrotage with US bank Home mortage Regarding US bank Home Mortage XXXX. Talking to representative XX/XX/2023 at US BANK Im getting a bunch of different response regarding the partial claim I submitted. The patrial claim I entered was supposed to reset the loan and included XXXX, XXXX, and XXXX payment. I was supposed to send in XXXX payment with the partial claim paperwork, which I did. I informed that I still owe XXXX a payment and was told buy another US bank rpeoreriastaive it was fee and that the payment went towards the fee and only XXXX dollars off the payment went into escrow, The n she changed it again I asked for a supervisor. I spoke with representive # XXXX who also reports there a notice in small written form that mention the payment goes toward escrow, and she could not identify the page number of the document on the partial claim. The representative said she would escalate as there is some confusion, and she would see if the payment sent in would go towards XXXX payment, which was my understanding of the partial clam agreement. Us Bank seem to not be accurate with how this is handled, and I am not aware of any fees for the partial claim and the partial claim is supposed to reset the loan and clear up all fee, past due for XXXX, XXXX, XXXX. The have XXXX payment and it is unclear how and where that payment. I am filing a dispute that the payment I sent in with the partial claim be used for XXXX mortgage as agreed upon and as I was informed. I am told the payment went to escrow, My payment went up to address the mortgage payment so if it went to escrow why didn't my payment go down. There is no account for how my XXXX payment was applied to I keep getting different Reponses 's and the main one it was a fee and XXXX dollars applied to escrow. Also, there was cover letter with instruction with the paperwork that said send in XXXX payment and there was due date, this is not attached as I would need to find that paper. That they remove any late fee or late reports to credit bureau as payment was received in XXXX for XXXX mortgage with the partial claim that was also submitted in late XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55430
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: Applied for unemployment in XXXX of 2023. I was told my XXXX XXXX checking account was not recognized by connecticut department of Labor along with a few other checking accounts. I decided to use the XXXX XXXXXXXX instead. I was told I could withdraw funds from any institution. However that was not the case I was given error codes trying to withdraw deposited funds. I called in on numerous occasions and was hung up on. When I finally got a representative I was told I had a daily limit of {$1500.00}. Every time I tried to withdraw at a atm the transaction was declined. I went into a XXXX XXXX XXXXXXXX on or around XX/XX/XXXX in which again the card was declined. I was given an option of a cash advance to remove funds which could be processed for a fee. I was told by representative that I could go to any US bank branch to withdraw account balance. I traveled 2 hours to a US bank on XX/XX/XXXX to be told that XXXX XXXX is a Subsidiary US bank. US bank could only perform a card advance for a fee. I was told I was not the only one experiencing this issue. Please advise
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with us bank on XX/XX/23 by putting {$250.00} in account ending in XXXX. On XXXX. XXXX. XXXX. They decided to close my account. They never sent me anything in the mail or email. I found it out by going to buy a coffee and my card got declined. I then called customer service. The lady was not able to give me a specific reason on why they closed the account. I will be uploading some documents so you can see the funds in this account and the dates and all the transactions. I made multiple calls to customer service to find out what is going on. I was told it takes up to 30 days to close the account and then they'll issue a check in the mail. I never received a check in the mail for the remaining balance in account ending in XXXX. After that I called customer service again. I was told it was in a safety deposit box at the branch. Then I was told there is no money at all. I have had the runaround. Let me tell you. I went and talked to branch manager at the XXXX XXXX location on XXXX XXXX. He told me that account was closed due to third party checks which I don't see what the problem is as they were countersigned and on the back of them it says pay to the order of me. I banks with XXXX XXXX for 15 years and my son countersigned many checks over to me. Now the checks that were put in the ATM we never got back the originals they sent us these numb negotiable checks which say they are a legal copy and any bank institution will accept them. That is not true. I have been to many institutions and they said to contact the issuer. The bank manager told me give me 3 days and I will issue you a check from the branch. I gave him a lot more than 3 days then he was dodging my call so I had to go there in person and then he told me. Oh I'm waiting to hear back from them. He was very disrespectful. Smirking smiling. It's not funny. It's not like a couple XXXX dollars here. We're talking XXXX I have never been behind on my mortgage and I am behind one month. I have just sold my truck to catch up. I have never been treated like this by a bank. I can't believe the manager thinks this is just no big deal. Oh I understand. He says there's no way he understands. I keep asking him for a time frame and he says he doesn't know. This is not the way to do business especially by a bank to withhold this amount of money and not even make the effort to find out what is going on so they can pay me out. The account was closed because of third party checks. He said today on the phone. Oh they're waiting because some of the checks they want to make sure they don't bounce. I know 14 days you know if that check 's going to clear so I just keep getting lies from him and I don't know who else to reach out to but you guys, If it was money that I owed us bank they would be charging me late fees and interest, now I have another problem because these non-negotiable checks some of the issuers will not reissue another one,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92264
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX, Opened XXXX checking account and was listed as a co-owner through Charter Bank. XX/XX/XXXX The reserve line of credit was approved on XX/XX/XXXX with borrower # 1, through US Bank. I did not complete an application for a reserve line of credit through US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX XXXX deposit XXXX ( XX/XX/XXXX I reported card stolen with a police report and hospital report ) XX/XX/XXXX Money disappears right in front of my eyes all included bank state statements believe me it will be so much easier.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A