Date Received: 2023-08-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Im having trouble with my bank trying to get them to move remove PMI but they will not even work with me if it wasnt for the PMI I could easily afford this house payment I am struggling at the moment and my bank refuses to work with me all they want to do is try to refinance the house which is impossible with todays interest rates
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 520XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
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: I paid a mobile mechanic {$290.00} on XX/XX/XXXX to purchase parts for my car to repair it with my us bank debit card. The mobile mechanic never returned with parts to fix my car, never returned at allXXXX I filed a dispute with bank. I was given a provisional credit of {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I faxed a form to bank with additional information. On XX/XX/XXXX they reversed the credit saying I did receive services from mechanic, which is untrue. When I called they said they tried to reach me and left voice-mail. On XX/XX/XXXX I spoke to us bank customer service, she said they never called they didn't have number. I have a mortgage with this bank, direct deposit. I feel like I'm being lied to. I tried calling again on XX/XX/XXXX, they said a fraud investigator would reach out within 48 hours. No response again. I called today XX/XX/XXXX and again was told a fraud investigator would reach out with 24 hours. I paid the mechanic with my own money I let them know right away what happened. It was still pending. This is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80911
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I tried to cash my " us bank '' issued XXXX XXXX XXXX XXXX check as I do every month for the past year with no issues.I walked into the XXXX XXXX branch in XXXX XXXXI showed my Id and check.the bankteller stamped the check then called her coworker " XXXX XXXX '' over then they spoke a different language then they handed me the stamped check with my id back then told me the check wasn't processing.I asked to speak to a branch manager and was told none were available.then i asked if the stamp on the check would affect the ability to cash my check at a regular check cashing place and XXXX XXXX told me it wouldn't.when I went to a check cashing place, the said they couldnt cash the check because of and only because of the stamp.Im living check to check to check I cant afford to be scammed for XXXX dollars that is supposed to pay my utilities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I RECEIVED NOTICE FROM US BANK HOME FORECLOSURE LAWYERS, XXXX AND XXXX, XXXX REGARDING MY MORTAGE NOT BEING PAID FOR 3 MONTHS AND NOTICE OF FOLECLOSURE ON MY HOME. I MISSED XXXX AND XX/XX/2023 PAYMENTS, I REACHED OUT TO XXXX XXXX XXXX FOR HELP. ONCE MY INFORMATION WAS RECEIVED FROM XXXX XXXX XXXX, I DID RECEIVE HELP WITH MY MORTGAGE ARREARS AMOUNT. THE AMOUNT PAID WAS {$3300.00}, THE TOOK CARE OF XXXX, XXXX AND XXXX PAYMENTS. US BANK PURPOSELY HELD ON THE PAYMENT FROM XXXX XXXX FOR 30 DAYS, THEY RECEIVED PAYMENTS ON/OR AROUND XX/XX/2023 FOR {$3300.00}, AND HELD THESE FUNDS UNTIL MY ARREARS AMOUNT REACHED 3 MONTHS. I HAVE RECEIVED SEVERAL NOTICES FROM THESE FORECLOSURE ATTONEY 'S XXXX AND XXXX, XXXX THEY ARE LOCATED IN XXXX XXXX. NOW THESE ATTORNEY 'S ARE TRYING TO ADD ADDITIONAL FEES FOR ME TO THEM FOR ATTEMPTING TO FORECLOSE ON MY HOME. THEY WANT ME TO PAID {$1000.00} IN ATTORNEY FEES AND PLUS A CHARGE FOR {$180.00}. I DON'T BELEIVE I SHOULD BE FORCED TO PAY ANY FEES FOR US BANK XXXX XXXX PURPOSELY HOLDING ON THE FUNDS THAT SHOULD HAVE BEEN RELEASED AND APPLIED TO MY MORTGAGE ACCCOUNT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My account was put on hold for no apparent reason. I called and was told there is nothing to do and I have to wait 2 days. I need access to my money now and the agent did not offer me a way to accelerate or resolve. Holding my money ransom for two days is not acceptable to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: US Bank closed my online business checking account which had {$5100.00} in it. They did this without my knowledge on or about XX/XX/2023 and have not sent my funds back to me and will not tell me when or even if I will ever get them back. They simply tell me they have no timeline as to when I will get my money back. Who knows how many other peoples money they keep for as long as they want but this is absolutely unacceptable behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19803
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a {$2500.00} charge ony is bank account on XX/XX/2022 I recently noticed The bank refuses to help me dispute or refund my money after being a long tem customer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an inquiry on my XXXX Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my XXXX credit report immediately. Please remove the following : XXXX XXXX XX/XX/2023. Thank you. XXXX 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: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have 2 banks I bank with. 1. XXXX XXXX 2. US Bank I deposited a mobile check for {$1000.00} to XXXX XXXX on XX/XX/XXXX, it sent me a message on XX/XX/XXXX after mobile deposit that it was rejected due to the date being incorrect. My client had accidentally put the date as XXXX. She corrected and initialed it, so I redeposited the same day and it rejected again. ( I have proof of this on my mobile banking app from XXXX XXXX. So, since it rejected twice at XXXX XXXX, I decided to go ahead and mobile deposit it at US Bank, which accepted it. However, Unbeknownst to me, on XX/XX/XXXX XXXX went ahead and accepted it, so they deposited it into my account. I of course had already also deposited it into US Bank on XX/XX/XXXX since XXXX showed they rejected it. US Bank, then debited it from my account since it cleared through XXXX XXXX. Which I am totally fine with. I had enough money in my account so it didn't go negative. I believe my balance AFTER the {$1000.00} deduction was at {$3900.00} in my business account. Which, I was closing since I know longer have that business. I had opened a personal checking and savings with US Bank, and was trying to transfer my business balance into my new checking via XXXX. Next thing I know, my account was frozen by US Bank and in the Fraud department on XX/XX/XXXX. That department which you can only reach through phone, would not give my any information and I was told there was no time frame on which they had to return my money or and that they also had the discretion to not return any! So, I went into the local branch and spoke to the Branch Manager, who was very helpful, I showed him All of my documents showing how XXXX XXXX rejected my deposit twice, but then 2 days later accepted it. He emailed the fraud department asking for the hold to be removed on XX/XX/XXXX ( the same date I went in to see him ). He called me on XX/XX/XXXX, saying that unfortunately the fraud department rejected his request and they'd be closing out my account and sending me a check in a few days ( I saved this voicemail ), so then I emailed him on XX/XX/XXXX asking if he could please provide me with an ETA, he said he contacted them again via email, and they told him what they told me, they had no specified time on when and if they would return my money. I then called US Bank fraud department on XX/XX/XXXX, and she researched it for me and said it's actually another department handling it ( she said the " closing department '' ), and she said their last notes on my account dated XX/XX/XXXX, said they were investigating it, there was no specified period on closing or returning my funds. The note also stated, that it would be returned by cashiers check through the mail IF there was any funds to send! I can't even reach that department that supposedly is researching my account to talk with them. That XXXX also told me I would be receiving notice in the mail stating the same thing. I've yet to receive anything after more than 2 weeks. Yesterday, I received a notice in the mail about the {$1000.00} debit which I already was aware of, BUT in that same letter it stated they were looking into a deposit I made on XX/XX/XXXX in the amount of {>= $1,000,000}!!!! I of course have this notice for proof that US Bank is the one in error. They are the ones that did something on their end. So it appears they flagged MY account for that very large transaction. I've never ever had that kind of money in my life. Nor did I ever make a deposit in that amount! I am just trying to get back my {$3900.00} that I worked very hard to save. I've never bounced anything at US Bank and always had money in it. In addition, the personal checking and savings I had opened online had an initial opening deposit of {$100.00} in checking and {$75.00} in savings. They are denying me that {$170.00} as well. Again, I opened those personal accounts because I closed my business, and was going to transfer the business balance into my personal accounts I had just opened. Due me : {$3900.00} from my sole owner business account, {$100.00} from my new checking and {$75.00} from my new savings. Please help me. I have attached documents supporting my statement. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 I closed my account with US Bank however, my employer, on XXXX XXXX deposited a check into that account that I no longer have access to. What the bank was supposed to do was reject that money and send it back to my employer so that I can receive it. However, this didnt happen instead, whoever was in charge of closing my account did not do it properly and they took my money and I had no knowledge of it. So I tried to resolve the problem by calling their customer service and they just keep transferring my calls and hanging up on me. So then I went to a US Bank office where the teller tried to help me and locate my money and he was able to call someone and they told him that the money was somewhere in their system somewhere in their accounts that they had to look for it and basically just dont know where my money is just that they have it. Now I keep calling and asking for update, but they just been very unhelpful and dont seem like making an effort to return my money and the amount of the check was XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A