Date Received: 2023-09-06
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I was notified through my bank Union Bank, that US Bank would be taking over all of our accounts at the end of XX/XX/2023. I was provided multiple emails that the transfer would not affect my automatic payments and would transfer properly to US Bank. My automatic payments did not transfer as notified. US bank never notified me via mail or emailed me a notification to renew my automatic payments. I discovered the request in a small memo after setting up my online account with US Bank but they did not mention that my payments had stopped. Correctly applying for the auto payment process, unavailable online and required to apply via mail. I later discovered my account was delinquent via mail from US Bank at the beginning of XX/XX/2023. The end of XXXX 's payment was never processed. I'd like to ask US Bank to please show me the letters and or notifications instructing or notifying me of the cancellation of automatic payments from Union Bank. Ultimately, US Bank reported my 2 months of delinquency to multiple credit agencies. I request them to retract the negative rating. I have all my bank statements reflecting my automatic payments with Union Bank and the eventual automatic payments with US Bank, letters and emails to be provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently XXXX XXXXXXXX and applied for relief from the XXXX relief program offered by FHA. Then I asked for the XXXX stand alone resolution. I was on XXXX forbearance for 90 days. After my request for the stand alone program, US BANK without informing me or asking my permission, removed me from forbearance, sent me a repayment plan which I rejected in favor of the stand alone program, and falsely reported me delinquent destroying my credit rating from over XXXX to XXXX. The removal of my forbearance occurred roughly 30 days into my 90 day allowed forbearance. Had the forbearance remained intact there would be no reason to declare me delinquent. Following this process would mean everyone who applied for FHA XXXX relief would have their credit damaged for simply applying for aid. Obviously this wasn't the intention of the program or should be the result. This could easily be resolved by simply removing derogatory statements from my credit report that are obviously their fault, but they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was at work and I got a notification on my phone that a us bank credit inquiry was pulled in my name and immediately after I froze my credit after I seen the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I feel I was discriminated against based on my color when I went into the US Bank location of XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Order of Events ============== On XX/XX/XXXX I went inside to make an appointment to open a checking account. I spoke with one of the tellers in the front an she informed me she could make an appointment for me. So she took my id and asked me what time did I want the appointment for. I said XXXX on XX/XX/XXXX. I saw her typing something and after a min she said ok you are all set for tomorrow. So I left XX/XX/XXXX at XXXX I went in based on this information and sat down. After about 5 min of sitting I was called over to a smaller teller window and a different lady asked how can I help you? I informed her of my appointment and I wanted to open a checking account. She looked and said she saw no appointment ( I could sense an attitude ). But I was patient. While waiting in front of her another XXXX younger lady came in asking for notary services from another teller. She then said to me can you go sit over at another desk and I will be right there. So I did what she asked. She then immediately went to handle the white customers notary and left me there waiting. ( Let me say again that new customer that came in was already dealing with another teller ). So after about 10 or 15 min of waiting she then came over to help me. After giving her my information she then told me after about 5 min of putting it in that she could not open an account for me because of information in XXXX. I said XXXX??? I have never had any issue opening a bank account and have been long standing members of XXXX XXXX XXXX with both personal and business accounts. I also informed her since I had a XXXXXXXX XXXX a XXXX XXXX asked me did I want a XXXX XXXX checking account the day prior and I went through with it with no issues. So I left and contacted XXXX immediately. As I suspected XXXX had absolutely nothing in my file except an inquiry or two. I also checked my credit score and it was well over XXXX. I then started to investigate US Bank and they seem to have a long history of discriminating against XXXX customers with literal class action lawsuits against them presently. It was a 100 % humiliating experience for me. Reference XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: During Covid 19 Pandemic my job was impacted as I am a XXXX XXXX and was in the process of obtaining approval to sit for my XXXX XXXX XXXX XXXX XXXX right at the beginning of the pandemic which the pandemic caused delays with the XXXX XXXX XXXX XXXX XXXX in processing applications and then once approved to sit for the exam the test center was booked up six months in advance due to Social Distancing Guidelines, and one week prior to my scheduled exam, the test center had to cancel my exam due to more social distancing changes causing me to be timed out of my position and having to take a demotion with a 50 % pay reduction. This caused a financial hardship in which we were unable to make our mortgage payments as my husband XXXX XXXX was XXXX and receiving his social security retirement. US Bank offered us a forbearance for 12 months and we were told that the forbearance amount of approximately {$14000.00} would be added to the back of the loan and our loan would be extended to a longer duration. We were never told there would be a balloon payment and were told that this would save our home from going into foreclosure. We were told that since we agreed to this that the bank would be sending us paperwork to sign before a Notary. We signed this document not knowing that there was a {$47000.00} lien placed on our home. My husband passed away XX/XX/XXXX from XXXX XXXX and I had to sell our home and only then did I find out about this lien. I was told that the loan number to this lien was the same number as my original loan and that there was a second mortgage on my house. We never borrowed against our home and never received any money from a loan. My seasoned relocators and XXXX XXXX said they never seen anything like this and did not know what this was. I had nothing on my credit report showing I owed HUD over {$47000.00} nor did I receive any documentation from HUD or the bank explaining this and how they calculated this amount. All I was told was I agreed to pay HUD back {$47000.00}. Once my home sold and I moved in with family we learned that HUD had granted us a Partial Claim under the CARES ACT and had frauded us out of over {$47000.00}. I learned that those who took out Covid 19 Mortgage Forbearances now have balloon payments they did not know they and were owed to HUD upon paying off the original loan, refinancing the original loan, or selling their home. The CARES ACT was implemented by the XXXX XXXX to help people through a difficult situation during a global pandemic. How is it legal that HUD was able to inflate the forbearance amount due to an astronomical amount of money and take advantage of desperate people who were uninformed about the balloon payment. If we knew that we would have to pay back an astronomical amount of money for such a small forbearance we would never have agreed to this. The government preyed on so many unsuspecting vulnerable people facing a financial headship during a global health crisis. Many of those who participated in the Covid Mortgage Forbearance were XXXX, XXXX, and XXXX citizens and many of them were heavy in grief as they lost family members to Covid and some even losing multiple family members at once due to the virus. The US Government and the banks took advantage of people during a crisis and financial hardship. How is this legal? How do I get my money back? Something needs to be done about this as this is just lime the housing crisis of XXXX and doesnt seem like this should be legal. Also, we reticence our home last Summer in XXXX and we were not informed of this {$47000.00} and from what I read on the internet recently when my home was refinanced US Bank was supposed to pay off the {$47000.00} and we should have been made aware of this at the time of refinancing. US Bank Loan pay off was {$150000.00} at the time of close of escrow. US Bank Loan XXXX XXXX FHA # XXXX for property at XXXX XXXX XXXX XXXX XXXX California XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 received an email that a wire transfer in the amount of {$5000.00} was in process. The bank was called immediately and the wire transfer reported as fraudulent, however the bank continued with the transfer. We figured out the account had been accessed electronically following an elaborate identity theft operation involving a stolen home phone number and mail diversion. Because the bank was not able to retrieve the funds, they have denied the request to return the {$5000.00}. This does not seem reasonable since the fraud was immediately reported and the bank never should have finalized the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited an employer check for a new job and the e-check was altered ( fictitious ) and the bank closed my account. The first check from this employer cleared after an 11 DAY HOLD and the money was released. They have held all my money and have closed my debit card. They allowing deposits but why are they not allowing ach payment withdrawals? It has been over a month since they have closed my account and have not sent me my money. They want me to go into the branch but I can't make it in the time they are open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This complaint is regarding my treatment as a consumer at US Bank and their mishandling of my money. I have been with US Bank for nearly 20 years and I have had multiple accounts with them including most recently : one checking account, 5 CDs ( ~ {$10000.00} total ), a credit card ( {$18000.00} limit ), a brokerage account ( {$470.00} ), and a reserve line for overdraft protection ( {$2500.00} ). I am the sole account holder on all of my accounts. My mother lives about XXXX miles from my local US Bank branch and her address is my permanent mailing address. I live in the XXXX and moved here in XXXX for school. I have had this bank for so long, it has been with me through many life changes. When I first opened my account, I was dirt poor, living in poverty and receiving state assistance. My bank has followed me on a long journey through many trials and tribulations of life, change, and personal growth. I worked my way through school, survived domestic abuse, and eventually moved to XXXX XXXX XXXX to attend XXXX University for my XXXX XXXX. I was so poor when I attended XXXX that for two years I rented a living room in a XXXX apartment, slept on the floor with no furniture and my belongings beside me, with sheets hanging from the ceiling to give myself a room. I was so poor that I did not leave the XXXX until I was XXXX XXXX XXXX, when I moved to XXXX for an internship after completing my XXXX XXXX. From there, I got a position as a US Department of Defense contractor and for the next several years, I worked at XXXX on XXXXXXXX XXXX XXXX XXXX. I decided to pursue my XXXX at the University XXXX XXXX in XXXX, XXXX where I excelled, and now I work in XXXX as a professor at a wonderful university. Before I left the US to pursue my XXXX, I put nearly all of my money into CDs for a rainy day or emergencies. My attachment to my bank and my bank account is a reflection of how far I have come in my life journey and though I moved to the XXXX, this relationship with my bank is not an easy one to part with and I decided to keep my US Bank accounts when I moved in XXXX. I have since decided to stay in the XXXX for the next long while since I have a permanent academic job now. I called US Bank on XXXX XXXX and candidly explained that I now live in XXXX and am applying for a mortgage for my first-time home purchase. In order to gather enough for my downpayment, I asked to early withdraw three CDs at US Bank totaling {$6000.00} that were yielding extremely low interest rates and far from maturity ( two at 0.15 % APY, and another at 0.74 % APY ). I asked for my remaining 2 CDs to be left alone as they will mature next year and while the interest rate is low for this market ( 2.1 % and 2.3 % ), I plan to renew them next year at a higher APY. I also explained that after this transaction of early withdraw on the XXXX CDs completes, I will need to do an international wire transfer from my US Bank checking account into my XXXX XXXX XXXX XXXXXXXX checking account. During my conversation of closing the XXXX CDs, the US Bank customer service representative on the phone explained the penalties and fees for my early withdraw and I agreed to all of them. I calculated that I will benefit more from a larger downpayment on my home, than leaving the CDs to mature at their interest rate. And, while the size of the CDs is modest, the fees and penalties do not really impact the final value in my view. He stated that it may take 1-2 business days for the transaction to complete. On the topic of an international wire transfer, he took down my XXXX phone number and said he would call me back to explain my options. On XXXX XXXX I saw that the CD withdraw and transfer to my US Bank checking account had completed but I did not receive any phone calls from the bank to discuss the international wire transfer. I called the customer service line to request information about how I can do the transfer. I also logged into my online banking account. Online, I was prompted to update my phone number in the system before I could access my accounts, but it would not accept my XXXX phone number. The phone number that had been on file was an old one that has since been disconnected. I asked my sister if she would allow me to use her XXXX mobile number and she agreed so I updated my phone number in my account to hers. At this point, from then on, any time that I called the US Bank customer service line -- even for information -- I was prompted for a one-time verification code in real-time before any agents would speak to me. My sister provided me with the codes that were being sent to her phone, though on several occasions she was not able to provide it to me fast enough which meant that I could not continue with my call to customer service. This resulted in me making many calls to US Bank customer service, some were to discuss my options and for informational purposes, and others were to attempt to make a transfer. Different customer service agents provided me with different information on each call. The inconsistency was confusing, not least because I viewed them as the authority about how transfers work, having never done one with this particular checking account before. For example, an agent would tell me that an international transfer over the phone is allowed since I am out of the country, but that my call would need to be transferred to another department. Upon the transfer to another representative, they would provide me with different information and options, leading me to tell them I would need to think about it and call back. When I called back, agents would tell me completely different information about transfers and how they work. This led to many one-time verification codes between my sister and myself I counted approximately 12 codes verifying me between XXXX XXXX and XXXX XXXX, several of which involved multiple verifications during single calls to customer service. At the same time, I did an early withdraw of two CDs with XXXX XXXX in the amount of {$22000.00}. I am the sole account holder on all accounts. The XXXX CDs were closed quickly and were deposited into my US Bank checking account on XXXX XXXX. To deal with the real-time verification codes, I therefore arranged to call US Bank at times when my sister said she would be available to help me to forward the real-time code verifications to me. Each time I called the customer service line, I candidly explained that the phone belongs to my sister, that I am living in the XXXX, I am calling from XXXX because its expensive to call the XXXX, that I have no ability to come in-person to a branch, that am getting my savings together for a mortgage downpayment for a home purchase in the XXXX, and that my goal is to ultimately transfer some of the funds in my US Bank checking account to my XXXX bank account. On another login to online banking, I was randomly prompted to reset my password. One of the options that the customer service agents gave me was to do an international wire transfer and that it was no problem- I could do it all at once. This contradicted information that I had been given earlier. Another option was to use XXXX but it is limited to domestic transfers only and transfer amounts would be limited to {$3500.00} per day and {$15000.00} per month. These limits meant that the soonest I could have funds in my XXXX account would be XXXX, which means I may need to delay my home purchase. Information about these options shifted depending on which customer service representative I spoke with. After being transferred to several customer service agents, and then calling back one additional time to confirm the information that the last agent gave me ( the inconsistencies were difficult to follow! ) I understood that it was against policy for me to initiate an international wire transfer over the phone. I called back to the customer service line to file a complaint with the first representative that I spoke with, and asked her to pass my complaint to her manager, that I have been given grossly inconsistent information and it has taken a lot of my time on hold to the bank to even understand that I was being given inconsistent information. I then called my local US Bank branch in XXXX XXXX, Oregon and spoke to the branch manager. I explained what I was trying to do and the difficulties that I was encountering. He said that I should write myself a check and cash it in my foreign bank. I did not bring US Bank checks with me when I moved to the XXXX, I asked if it was possible to send them to my XXXX address or if I needed to send them to my mothers address on file. Based on the information that I was given, it sounded like ordering new checks would take much longer than doing a transfer of funds, even with the XXXX option and having my sister complete the international wire transfer. Getting frustrated with the time it was taking me waiting on hold for so many calls to the customer service line, I decided not to pursue an international wire transfer at all. So, on XXXX XXXX, I ordered checks through the online banking system and had the option to specify either my address on file ( my mothers near the bank branch ) or an international address. I opted for the international address. I received an email confirming that I had paid for the new checks. I called the customer service to get more information about how long it would take to arrive and they explained that the order will likely be rejected because they cant ship checks internationally. To this day, the status online is just pending and I can not get any updates on the checks that I ordered. Also on XX/XX/XXXX, I arranged a time with my sister where we both sat on the phone together to do a domestic wire transfer of {$28000.00} from my US Bank checking into her XXXX XXXX checking account. First, I called the bank to confirm that this is allowed and possible, unlike the international transfer. The agent assured me that this was possible and would be quick. I then got on the phone with my sister and the bank to do the domestic wire transfer to my sister ( from US Bank XXXX XXXX XXXX ). We completed the transaction on the phone and I was told it would take just a couple of hours. Several hours later, I received a call from my sister that US Bank called her but were unable to say why. So I immediately called the bank back and was told that XXXX of my CDs on the early withdraw had a problem because the penalties could not be waived. I had never asked for penalties to be waived so I was very confused. I was then transferred from department XXXX department, ending up with a very aggressive customer service agent. He told me that he thought I was a criminal, that what I am trying to do is illegal, and that I need to be physically standing on XXXX soil in order to do my banking. I told him that I wanted to speak to his manager, but he said his manager was unavailable. So I asked to be transferred to someone else. He did not transfer me and I was put into the automated online system and asked to re-verify myself again by PIN, and at some point was disconnected from the phone banking system. I called back and explained that I was not happy with the way I was treated. The customer service representative explained to me that one of the three CDs that I was withdrawing had an issue and was credited back to my CD account, leaving insufficient funds for my transfer. She said she was not able to provide me with more details about the CD but said that it should automatically resolve after the XXXX XXXX weekend, with business resuming on Tuesday XXXX XXXX. Seeing that this transfer of funds was going to take much longer than 1-2 business days, I decided to try the domestic transfer to my sisters XXXX XXXX account XXXX the XXXX service available to me in online banking, and also XXXX. Keeping in mind the daily and monthly limits as I mentioned above, I initiated a XXXX transfer of {$3500.00} and a XXXX transfer of {$3000.00} to my sisters account. On XXXX XXXX, I called US Bank customer service to check on my CD and the two transfers. I learned that a hold had been placed on my account and that I needed to speak with the local US Bank branch. During the transfer, I was disconnected. I called back three times and was continuously disconnected. When I finally got through, the person at the local branch named XXXX explained that he thought my account looked suspicious and that he had placed a hold on my account. He asked me several verifying questions. I answered them correctly. I explained my situation to him, that this is for a mortgage downpayment and that I ultimately need to move the funds to my sisters account so that she can do an international wire transfer. He agreed to put a note in my account so that I could do several transfers each day ( XXXX XXXX and XXXX Transferwise ) until the desired amount of funds had been transferred to my sisters account. I then had to call back to US Bank customer service to discuss the CD issue, and the representative said she could see the notes on my account and she said that she completed fixing the issue with my CD. In other words, re-doing the early withdraw of my CD in the amount of {$2900.00}, except that since a couple days had passed, the amount was going to be instead {$2900.00}. I agreed to this. Both my XXXX and XXXX domestic transfers are still pending and my CD has not yet been fixed at the time of writing this. I am tired of being on hold with the bank, and its interfering with my health to spend so many hours on the phone when I have a full time job. In addition, the uncertainty of how long it XXXX take me to access my funds is postponing my application for my mortgage which is costing me money as XXXX interest rates are changing. If I can not retrieve my money from my US Bank account, I will be forced to do only a 10 % downpayment on my mortgage instead of a 24 % downpayment as I have planned for. This difference in the downpayment will cost me tens of thousands of dollars in interest and is difficult to recover from. Being treated as a criminal has had a severe impact on my well-being and the conduct of the representative that I mentioned above was beyond unprofessional it is mortifying, derogatory, and humiliating. I was poor when I opened my account with US Bank, and now, Im still poor after all of my years of hard work blood, sweat, and tears to make something of myself and be somebody. Not to mention my service to this nation. In all of my 6 years living abroad, I have never felt so alone, so far, and so disconnected from my own country as I did on XXXX XXXX when the customer service representative called me a criminal. My savings was for a rainy day or emergencies, and the thought that this still would have happened to me in a genuine emergency makes me so incredibly scared. Locking someone out of their hard-earned money is not security, it is a form of fraud. Giving me inconsistent information and then locking me out of my account is not security, it is criminal. US Bank has committed gross misconduct and should be held accountable for the impacts it has on the rest of my future. What is the point of having money? What was all of my hard work for? I'd rather be dirt poor again than feel the way US Bank has made me feel about myself. I bawled my eyes out on Friday night ( XXXX XXXX ) after that call with the agressive representative. I bawled my eyes out again tonight on the phone with the Consumer Finance guy who treated me like a human being. At this point, I bet there's so many flags on my account that even if I came to the bank in-person, I wouldn't be able to withdraw any of my money. And it's because your customer service representatives led me down a winding rabbit hole to XXXX. I'm not going to stand for this. Give me my XXXX money so I can buy a XXXX house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97502
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX incorporated at California inXXXX, we provide international business travel with XXXX cities in nationwide. We started to use XXXX as our credit card processing company in XXXX. The cooperation was good until they held our fund {$830000.00}, swiped from our passengers ' credit cards in XX/XX/XXXX. XXXX said XXXX financial report looked not good since XXXX, required us to provided to them with all our detail management information and business record, including all our tour groups and passengers name lists, flight ticket booking record, hotel list and land operation final itineraries, air ticketing payment record by XXXX company XXXX and by my personal credit cards, my personal credit card payment statement and record, our bank statement to reflect we fully paid for both air and land service to our vendors. But XXXX still terminated our service, and said they go hold our fund in their hand ( {$830000.00} in XXXX plus {$47000.00} in XXXX ) for 3 months then they go release the fund to our passengers but not to XXXX. They already on purposely demaged our business and reputation, and they are going to cause even bigger loss to XXXX, since all our passengers will return from their trips we fully paid for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92679
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Log in Weve accepted your deposit. Status : Accepted Your deposit should be available within one business day. In most cases you will have access to at least the first {$220.00} right away. In some cases, it will take one business day to make the entire deposited funds available. Date : XX/XX/2023 Amount : {$200.00} Account ending in : XXXX Hold on to your check. Wait to shred your paper check for at least 2 business days in case we need more details. You can view images of your check in your apps mobile deposit history. If you have questions, visit our mobile check deposit FAQs for help. XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). Yesterday I received a call from US Bank stating again my account was past due! Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. My phone number XXXX, check your incoming calls. I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. I know this will effort my credit score. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). Yesterday I received a call from US Bank stating again my account was past due! Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. I know this will effort my credit score. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A