Date Received: 2023-09-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This has been an on going issue I have been diligently working on since XX/XX/2023. Its so unprofessional for a business to take such low standards when dealing with peoples means to live.. I have waited patiently as well as followed the correct steps to fulfill my obligation on my side as being the customer. The bank ( business ) has done nothing to try to resolve this issue and now its happened multiple times. Any contact information they provide me with is none working, I have sent the correct documents they requested multiple times and nothing seems to get done. The total amount they due to owe me is XXXX. They will put money for the fraud charges in my account and then take them back. Making me pay fees that are unnecessary since its due to their mistake. The last time i deposited XXXX at the US bank atm not only it didnt show and still hasnt on my account but it also kept the card. Forcing me to have to get a new one which takes 3-7 business days. During that time I had a trip to take and wasnt able to use my own card because of the temp card not having my name on it. When I contact them regarding anything to do with my account or if I try to make fraud claim they give me a run around. Sending me to various departments who either dont know how to answer the questions or provide me with the necessary help to ensure that I get my money back. I feel that this is not only unfair but unjust. If u need any more information regarding this matter please dont hesitate to call. I just didnt wish to waste more of my time collecting and sending documents with personal information while nothing still get resolved. Thanks for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX, my son who is a new Minnesota XXXX, received a wire transfer from his XXXX XXXXr in the amount of {$6700.00}. The money was for to be able to secure a house in which he had to secure ASAP. Unfortunately the funds that was sent was not going to reach him fast enough by wire, so the advisor paid by another source and called to make me aware of the wire transfer. They were not aware that the account was mine until after the fact. I was ask to return the money via wire transfer. I was unable to send via wire transfer because a branch is not in my area. Instead, I sent money through a bill transfer. The transfer was going to take approximately 10 days. In the meantime, I used some of the funds through online purchases to get some things for my son ( a bed, toiletries, food, etc ). It was the holiday weekend and I had funds coming on the following Tuesday to replace the funds I used. On Monday, I realized my account had been locked and flagged for fraud. I called in and explained the dilemma and that i needed to make a deposit to ensure the wire transfer to return the money to my sons XXXX XXXX. I also explained to US Bank fraud dep. that my son had just opened his account with them and had not received his debit card for his advisor to use, so I gave him permission to use my account to receive the funds. I was told there was nothing else they could do. And I needed to contact the branch manager assigned to my account, and maybe they could do something. It took me over a week to be able to get some on the phone at the branch assigned to me. I contacted another branch only to find out my branch had a shortage of employees and that was the reason why no one was answering the phone. I finally reached the manager assigned to me, I was informed that I needed to get the XXXX XXXX to send a statement via email verifying the circumstances behind them sending the money to my account. Once she received it, she would see what she could do. Another week later, I reached back out and she said she have received an email but she would not be able to do anything. She told me to contact fraud department with my concerns. I call the fraud department only to be transferred and then hung up on after expressing my need to have the funds released as soon as possible. The money was not mine and I needed to get that money back to the owner. I explained how embarrassing it was to myself and to my son. The fraud department informed me that I needed to reach out to my assigned branch and that they were the only ones that could reach the back office. I try to call my assigned branch again, only not to get answer after XXXX tries. I called another branch told them my dilemma. Apologetically, they informed me that they would send an email on my behalf to my assigned branch while copying the fraud department trying to expedite the investigation and release the funds as well as take the lock off my account. There has not been any fraudulent activity done and I feel like US Bank is holding funds that dont belong to them for whatever reason. With my account being closed, I feel like the investigation is complete but as far as XXXXm concerned, I want my account closed after Im able to remove the funds and return them to the advisor. Unfortunately I cant find anyone who can tell me anything precise. I am getting the run around. US Bank should be held liable to putting me through such a hassle, embarrassment and other distress associated with not being able to pay someone money thats owed to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29349
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I submitted a claim that stated My account was on hold XX/XX/XXXX XXXX funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially Union and transferred to US Bank, however Union did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time. - end of statement The companies response was to go to the bank and get my funds released to me, however the branch manager has not done so and refuses to give reasoning as to why he can not release my funds. I have provided all information needed for him to very these funds. I have left my number with him and he has not responded with all the times I have called. I can verify these funds and he refuses to give reason or attempt to release the funds. I have called payroll like he asked to see if the funds can be returned back, but payroll stated it would have needed to be returned within 5 days of the deposit. However, the deposit was over 2 months ago. If the bank had gave us any type of information or help we could have did this in the first place, but the bank had no information or help for us and turned their heads to help. My funds are due to me and I can verify them. I will not stop filing complaints until this issue is resolved. ESPECIALLY since there is no reasoning given to me as to why they can not verify my funds. It has been well over 2 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: I had requested an itemized list of nearly {$12000.00} in fees for nearly 3 years on multiple occasions. I had even requested this list from the bankruptcy attorney as directed by the agent from US Bank. I never received until XXXX. In the past I had asked for the entire fee amount be removed because they would not send me the itemized list so that I would know exactly what I was being charged fees for. When I reviewed all these feed after finally receiving the list, I found I'm being charged multiple fees for services this bank never provided. Such as trimming my trees, changing my locks, mowing my lawn, along with several other feed that description does not clearly describe what the fees applies too. First off I have always lived in this home. No one has ever changed my locks nor trimmed my trees. And my lawn does not have grass and they have never winterized my home, cleaned my yard of debris, nor has my home ever been a health hazard of any sort. ( Just some of the fees I've been charged. ) I am looking to hire an attorney at this time but I do want to file an official complaint because it seems I can not ever resolve any of these issues by calling the lender. I also need legal representation to identify any other fraudulent fees this bank is charging me. I will provide a copy of the corporate advance fees upon request. Also this bank has canceled my home owners insurance which was included with my mortgage when I signed for the house. Also I had applied for a {$30000.00} grant through XXXX. The organization was ready to pay the {$300000.00} towards my mortgage but US Bank refused it stating it would not bring me current. I would have had enough to bring my mortgage current with the {$30000.00} included. But US Bank instead wanted me to modify my loan by giving me a {$47000.00} dollar loan from HUD ( which is still not enough to bring my loan current ) and raise my interest rate almost double what it is now. But the contract stated the HUD loan would have to be paid first and then when that was paid off I could start making payments toward my principal. That means my interest on the home would build up while not making payments and I would've eventually owed more than the home is worth When I could've just brought the loan current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87121
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: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: US Bank has unlawfully blocked and obstructed me from making mortgage payments on my home that I bought with my husband in XXXX and has put me into foreclosure. I am the rightful owner of the property, I the grant deed has been recorded in my name and the home has gone through probate and the judge has ruled that I am the heir and owner of the property. ( paperwork included ) US Bank is required to accept payments and discuss this mortgage obligation with me as the rightful heir of the deceased borrower. This has been my home since XXXX and there is a great deal of equity in the property and instead of following guidelines and the law US Bank is intentionally denying access to communication and options to resolve this delinquency. I have the ability to pay my mortgage payment, I just need help with the delinquent payments through a repayment plan or deferment or some type of workout. US Bank has never considered my ability to pay or reviewed any of my financial information and the failure to do so prior to filing of the Notice of Default is in violation of the XXXX Homeowner Bill of Rights. My husband took out this line of credit in XXXX for {$100000.00} through US Bank. There were no problems making the payments. My husband passed away in XXXX and after I received the death certificate I went into a US Bank office and provided the information and attempted to make the mortgage payment. Their agent refused to accept the payment which seemed hard to believe. I then started paying by personal check through the mail with my name on the check and US Bank ACCEPTED these payments. A few months after my husband passed I was overwhelmed with bills and extra expenses from funeral etc. and I missed a couple of payments on this HELOC. I was able to make a lump sum payment and get caught up and there were no issues with US Bank accepting monthly mortgage payments from my personal checks. I have worked as a XXXX XXXX for a XXXXXXXX XXXX company for over 20 years and make a good living. In XX/XX/XXXX I started having a hard time because at work it was slow so they cut my hours due to a slowdown of work coming in. This led to financial issues due to lack of income and the mortgage payment going to {$500.00} a month instead of {$300.00}. I missed a few payments, and like I did in the past I tried to pay an extra amount to get caught up. I sent a direct debit payment for {$1600.00} from my bank account directly to US Bank on XX/XX/XXXX. Instead of applying the payment to the mortgage account, US Bank sent the funds back to my bank with no explanation why. When I tried to call in and talk with their agents they told me that they can't talk to me because I am not on the loan. However, US Bank has willingly accepted payments made from my bank account for over XXXX years.
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: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I submitted a claim for {$2700.00} for a transaction where I didn't receive what was ordered.I was issued a temporary credit for the claim. I sent the paper work back and my claims rep closed my claim stating it was submitted under the wrong reasoning. I called and spoke to my claims rep and clarified that I didn't pick the reason, that I just explained the situation to customer service and they picked the reason. The claims rep advised that she would reopen my claim and reissue the temporary credit but she needed to wait because she had already submitted for the temporary credit to be reversed. Weeks pass and nothing happens. I called in and submitted a call back request. Nothing happened, so I called in again and another call back request was submitted. Finally, I got a call back saying the rep left and could not be located, my claim was being reopened and the temporary credit reapplied. The rep only applied part of my claim which was {$2500.00}. I called in to talk to another rep and advised that the {$200.00} was forgotten and she said I'll just add it to your claim. I received notification that the {$2500.00} was approved and closed out. Weeks passed nothing happened with the {$200.00}, so I called in because I went to pay my mortgage and I noticed that my checking account was closed for being negative the {$200.00}. I called in and submitted an escalation, and someone started calling me stating they need more information. For 3 weeks, I played phone tag with the rep calling me, until I asked for a manager to call me. I received a call from XXXX who leaves me a voicemail message. I called him back and he tells me that they don't actually need anymore information that it was already in my account. I ask if my checking account will be reopened and he says he doesn't know that when they issue the {$200.00} that it may force the account open or they will issue a check. Today I received a check for {$18.00} cents, nobody has apologized, I have not received confirmation that the negative checking account was resolved and that I am not on check systems nothing. I am just really upset with how my account was handled and how nothing was done, to rectify their error and now I am with out the checking account I use to pay my mortgage payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Hi my name is XXXX XXXX. Back in XXXXi was currently living in XXXX, XXXXI had become unemployed and homeless due to the COVID pandemic.I was living on the streets trying to find a job so I can get back on my feet.I was at a convenience store panhandling trying to get food. This Lady which name is XXXX came up to me offering to help me .I told her about me losing my job and becoming homeless.She asked me why I didnt I applied for unemployment assistance.I explained to her that I didnt have a phone to call them or access to computer, and the workforce local offices was closed due to COVID protocolsXXXX told me that she can help me with getting my unemployment benefits.She said that her friend is one of the head supervisor at the Headquarters in XXXX and that she will help me.she bought me some food and some clothes and got me a room for that day.i give her my ID, social security card.I told her my mother name and maiden name .My old address, when I graduated from high school, my siblings names.old phone numbers and she wanted me to take a selfie of myself with her phone. She said that she needed all of my information to give to her friend. Then she give me a phone. Like a week later she told me that I will be getting my unemployment benefits and that she is getting me a po box so the card will be sent there that she bring the po box keys tomorrow that she had to go to work. She never came back. I called over a million times it went straight to voicemail then she changed her number and cut off the phone she give me.I borrowed a phone and call XXXX about my benefits that they had awarded me about XXXX dollars. and benefits asked them had a card been issued and was told that it was deposited into account and I couldnt not change anything on the account because of a pin on the account .so I went the XXXX XXXX police station and tried to filled changes for identification theft and report her for scamming me. They that I dont have enough evidence they cant go through with the investigation. Months passed and I moved back to my hometown .my friend help look XXXX by using her phone number .she find out her real name XXXX her address .wth that information I call XXXX they told me that They will investigate and change the PIN number then was told that it was now a XXXX that was sent to her address .so I call XXXX to report the card stolen I provided them with her address but all the money that was on the XXXX was taken off that was about almost XXXX altogether.i had to provide them with my id, selfie and social security also I send them photos of XXXX her address and her facebook .disputes all the transaction all of them was atm withdrawnals all was made in the city that she live. i finally recevie my card and they all award me XXXX dollars from the disputes .XXXX havent done anything the police wont investiate than i had to change to recvice my unemployment benefits to my bank account then it will change to back to XXXX and another card issued that i did not do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75662
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: US BANK ( Credit Card Provider ) XXXX XXXX. Contacted US Bank and explained I no longer work for the organization for which I received a card. I informed US Bank I resigned a month ago before the closing date. The individual had the nerve to tell me I had to fill out an expense report or the bill would be submitted for collection. Mind you I resigned over a month, XXXX XX/XX/2023. Also, I was informed to contact my old company to see how they wanted to handle the situation. Why would I attempt contact with a company I just resigned from?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with US Bank back in XXXX. I signed up for an offer that I would receive a bonus if I deposited {$5000.00}. I immediately deposited {$3000.00}. Shortly thereafter, they froze my account without explanation. They later informed me that my account was headed for closure. Towards the end of XXXX, they informed me that my account was closed and I would receive a check in the mail. Nearly a month and a half later, I have NOT received any funds. I have no access to my account nor my money. US Bank has not provided any information regarding this and despite closing my account, is still " investigating '' my account, which is why the will not remit my funds to ME. They have not been helpful in the slightest and provide no insight into the status of my account. They are withholding capital from consumers. This is unethical to say the least. I will begin to look into legal solutions at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US BANK, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF XXXX XXXX XXXX PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL XXXX CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. US BANK IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF XXXX OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT US BANK IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED US BANK TO THE XXXX AND XXXX ATTORNEY GENERALS, AS WELL AS THE XXXX XXXX AND THE CFPB AND THE XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A