Date Received: 2024-02-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: To CFPB -- I have never gotten a response from this letter that I sent to the client services of US Bank about this issue. The email letter that I sent to them is explains the whole situation plus there is an attachment that they sent me saying that I could use cell. I am completely shocked as to what they have decided to do even though I contacted client services. I've since recently learned that my checking account appears to be closed because a bill for my internet service with XXXX XXXX was not paid as it should have been as it is autopay. -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Cc : XXXX XXXX XXXX Date : XXXX/2024 XXXX XXXX CST Subject : Please Reconsider : I Received this OK to send $ via XXXX, Developed into Shocking Problem because of the way US Bank Rep treated me on phone. Re : A XXXX recipient has been added or updated Dear US Bank, I am XXXX XXXX XXXX and have been a loyal customer of you, USbank for over 40 years. I would like to report to your corporate office something that happened today and absolutely shocked me regarding what followed after I received this okay ( forwarded below ) from XXXX XXXX to use a particular email to send a XXXX payment today. In the application I did put the person 's first name but I did not put their last name in it, and I wrote in their email address. I do have their last name but missed putting it into the XXXX form, and as this and any other information was optional. After I received this forwarded message shown below saying that I could now send the XXXX payment, I could not get into the US Bank mobile app, thinking that it was a technical issue. And so I called US Bank and was directed to the technical division, the rep checked on it and said that she needed to forward me to another banker. That call was dropped and so I called again through the Central main number, and was sent to speak to someone in the fraud department. I originally was told that I could speak to XXXX, but since she was not available I selected O for operator and spoke to another young man there instead to inquire about why I could not get into the website and what the problem was. I would say that the message I received below was very misleading or else the people in the fraud department didn't know that it had already been approved -- that I could send out the XXXX payment to this person because it was approved by the bank. Instead the young man asked me in depth question as to how I was associated with this email and why I was sending the payment. I replied first that this is a personal matter. He wanted to know more information as to why I wanted to send this payment. I replied that it had to do with paying off a personal loan. And still he wasn't satisfied with that answer. I already know that US Bank does not and will not pay back any money lost to XXXX, and so it is something that I wanted to do and I'm willing to take responsibility for it, and I am sure that is going to be received by someone who keeps their word regarding this private business matter. I totally believe that sending this XXXX payment is/was necessary for me to take care of for my personal finances benefit and well-being, and I do trust that it would have accomplished what I set out to do. Instead the young man admonished me for not giving him more details as to what this was about, and I said okay next time I will just send it to someone such as a friend or relative. And and reply he said rather currently, " no that will not do. We are going to close all of your US bank accounts right now. '' I am relating to you that I felt this reply action that is and was initiated by this young man is very unfair and shocking. I'm retired now and I have my banking account set up so that I receive my monthly pension, from after working with my career for the XXXX XXXX XXXX and retiring after 32 years, and I also receive my social security payment towards the end of the month. In addition to the shock of losing all of these bank accounts from your bank that I depend on so much for automatic payments that I've set up for paying my vendors I also I have two business accounts because I do XXXX XXXX and also do some XXXX sales. I feel that this young man does not respect elders and perhaps he is just a new employee throwing his weight around without regard to how he is hurting good loyal customers of US Bank as I have been. Also my parents were long time members customers of your bank as well in XXXX XXXX XXXX. And I have worked with many good US Bank account wraps in person at the local XXXX XXXX XXXX USBank over the years who helped me with my first home mortgage and also equity loan. And so I hope that you can please reconsider this action which believe has already started. I am requesting that you reverse this action because I believe it is highly unfair. As I mentioned before I realize that I am taking solely responsibility with any XXXX payments that I send with the use of my bank 's website and or web app. If you wish I will also give you proof within a week that this action which I will accomplish through other means, is necessary and will be helpful to me to accomplish my goals. So I would ask you if you can, to please stop this action now, to at least wait a week or two before you totally delete my bank accounts and end the processes of my automatic income transactions, -- Because I will definitely get back to you to show the proof that what I tried to send through XXXX today was totally above board and helpful and essential to my benefit. In addition because this is being canceled supposedly by this young man, now or as of the next day, this action by him to close my accounts with your bank will likely bring misfortune to me because the social security administration requires two months of notice before a person changes their receiving bank account for any social security payments. And so please consider my requests and please forward this my Request to people of authority the in US Bank to review this, and I would ask that they have Higher authority to review and reconsider this important matter I have, Rather than just sending it to the same people in the fraud department who I made this hasty and inconsiderate decision, treating me one of your best long time, elder and Loyal customers with such distain, illogic, and disrespect. Thank you for your consideration of this action, and I am hoping for a much improved outcome regarding this terrible problem ( terrible to me ) in advance, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Cell phone XXXX Home phone XXXX -- -- -- -- -- Original Message -- -- -- -- -- From : " U.S. Bank Alerts '' XXXX To : XXXX Date : XXXX/2024 XXXX XXXX CST Subject : A XXXX recipient has been added or updated Let us know if this doesn't sound right. Log in to online banking US Bank You added or edited a contact in your XXXX recipient list. Good news : You successfully added or edited contact information for a recipient in your XXXX recipient list. You can now send a payment to the recipient anytime you like. Need assistance? To send us a message, please log in to online banking at usbank.com and select Email Us from the Contact Us menu on the Customer Service tab. Thanks for using XXXX at U.S. Bank. XXXX XXXX XXXX XXXX Mobile App Locations XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. For your protection, U.S. Bank automatically alerts customers of money movement transactions. If you did not initiate the action noted above or need assistance related to this alert, please call XXXX XXXX XXXX XXXX ). EMAIL SECURITY INFORMATION Email intended for : XXXX Protecting your privacy is our priority. We'll never initiate a request via email for your sensitive information like your Personal ID, Password, Social Security Number, Personal Identification Number ( PIN ) or Account Number. For your safety, never share this information with anyone, at any time. If you receive an email asking for your sensitive information, or would like to report a suspicious email, forward it to XXXX or call U.S. Bank Customer Service immediately at XXXX XXXX XXXX XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: All credit card Presentments are in the Positive, if I owe a debt, should it not be negative? Am I paying for a debt that isn't mine? Are securities frauds occuring in these security transactions? Am I not the beneficiary to a trust account? This request Pursuant to Section 5 552 of Freedom of information act, and the privacy act, for a full disclosure and release of all records and/or data contained in the files of your department and/or agency under y name and/or identifier to my name. This request is to verify the following laws, and have use of my credit line to protect me from the serious harms and frauds being perpetrated against me, the living being, flesh and blood. Public Law 1, 48 stat. 1, refers to H.R. 1491 to which the U.S. Govt. and the State are the Trustees of the Trust created under this Public Law 1 which placed all property of the People into the U.S. Govt and State, and that these posessions are a " Trust '' to be used as a credit line. Public Law 10, Chapter 48, 48 stat 112. Refers to H.J.R. 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In 1933- President Roosevelt passed HJR 192 June 5, 1933- and since the government had taken the gold, and the People had no money, the government would pay the debts for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Policy, PL 73-10. Not only does this insurance policy ( law ) protect the legislators from conviction for fraud and treason, but also it protects the People from damages caused by the Federal & State governments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I tried to close my account at US Bank because I was switching to another bank. They said I could not close my account because of a overdraft protection fee. That was a fee that had over a XXXX percent interest rate that I wasnt told about and didnt sign up for. In the spam of a few years, with that over XXXX percent interest rate, that overdraft fee ballooned to over XXXX XXXX dollars and I didnt know about it. I am upset at US Bank for signing me up for a predatory loan practice like that when I didnt know any better. I dont want to pay it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: US Bank abruptly closed my accounts for both the XXXX XXXX and the XXXX XXXX on XX/XX/23 claiming ambiguous reasons as to their justification. They then cited their terms and conditions that I allegedly agreed to, however they're unequivocally incorrect. As you can see from the application page from US Bank 's website ( https : //www.usbank.com/XXXX ), there is absolutely no mention of any clauses where US Bank can close an account nor confiscate rewards. Using the link above, you can follow along at the end of this message with all the disclosures found on the webpage. You will see no terms exist prior to applying. Additionally, this is violation of the FDIC 's guidelines against 'Unfair and Deceptive Acts and Practices ' by engaging in unfair credit card lending practices by : 1 ) Not structuring their practices to enable customers to make informed decisions about the products and services they choose to purchase and use, and to operate under reasonably reliable expectations about any costs/consequences associated with those decisions. 2 ) Enacting policy contrary to public policy. The state of New York expressly prohibits US Bank 's acts and are unlawful in the state of New York ( N.Y. Gen. Bus. Law 520-E ) " Beginning with the date on which notice is sent, the holder shall have ninety days to redeem, exchange, or otherwise use any credit card points that the holder accumulated at the time of such modification, cancellation, closure, or termination as permitted under the terms of the agreement or agreements between the holder and the issuer.. '' " It shall be unlawful for any agreement between an issuer and a holder, or any rewards program, to provide for the expiration, forfeiture or cancellation of credit card points prior to the expiration of the ninety day period set forth in subdivision two of this section. '' " Any agreement entered into by a holder that waives, limits or disclaims the rights set forth in this section shall be void as contrary to public policy. '' US Bank XXXX XXXX XXXX from 'https : //www.usbank.com/XXXX XXXX Lastly, the only section of the promotional page and application pages that remotely mentions terms and conditions of the program only has this to say XXXX XXXX XXXX XXXXusbank.com/XXXX XXXX XXXX ) : " Upon approval, please refer to the materials received with your new card and the Program Rules in the online Rewards Center by logging in to usbank.com for additional information. '' This is nothing short of deceptive and abusive. All webpages and disclosures have been saved and screenshotted so as to preserve evidence. " U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. * The APR may vary, the variable APR for Purchases and Balance Transfers is 22.24 % - 29.24 % ( based on your creditworthiness ). The variable APR for Cash Advances is 29.99 %. Cash Advance fee : 5 % of each advance amount, {$10.00} minimum. Convenience Check fee : 3 % of each check amount, {$5.00} minimum. Cash Equivalent fee : 5 % of each cash amount, {$10.00} minimum. Balance Transfer fee : 3 % of each transfer amount, {$5.00} minimum. There is a {$1.00} minimum interest charge where interest is due. The annual fee is {$400.00}. Foreign Transaction fee : 0 % of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 0 % of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay Fees : A monthly fee not to exceed 1.6 % of the original principal amount in a U.S. Bank ExtendPay Plan or U.S. Bank ExtendPay Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. U.S. Bank ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. Net Purchases are Purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn Points, such as transactions posting as Convenience Checks ; Balance Transfers ; Advances ( including ATM withdrawals, wire transfers, traveler 's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets ) ; interest charges and fees ; credit insurance premiums ; and transactions to ( i ) fund certain prepaid card products, ( ii ) buy currency from the XXXX XXXX, or ( iii ) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Account must be open and in good standing ( not past due ) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information. Footnote 1 One-time XXXX bonus Points will be awarded if you are approved for a new U.S. Bank XXXX XXXX XXXX XXXX XXXX and eligible Net Purchases totaling {$4500.00} or more are made to your Account within 90 days after Account opening. Points are earned on eligible Net Purchases. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Existing or previous U.S. Bank XXXX XXXX XXXX XXXX cardmembers are not eligible if you have received a new account bonus for this product in the last five years. Use of the Card is subject to terms and conditions of the U.S. Bank XXXX XXXX XXXX XXXX Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer. Footnote 2 By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our for how we treat your data. Footnote 3 Points are earned on eligible Net Purchases. U.S. Bank XXXX XXXX XXXX XXXX Cardmembers will earn 1 Point for every {$1.00} in eligible Net Purchases. In addition, you will earn 4 Points ( 5 Points total ) for every {$1.00} in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the online XXXX XXXX XXXX using your U.S. Bank XXXX XXXX XXXX. Prepaid car and hotel reservations in the Rewards Center are not classified as a travel category merchant transaction and are not eligible to receive the additional points for that category. You will earn 2 Points ( 3 Points total ) for every {$1.00} in eligible Net Purchases during each billing cycle for transactions made directly with merchants who classify their business as a travel category transaction ( such as purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies ), and for transactions using a mobile wallet. Mobile wallet is defined as the method of paying for a transaction by use of a mobile device ( in-store, in-app or online ) and includes XXXX XXXX, XXXX XXXX, and XXXX XXXX. If the transaction is an eligible mobile wallet transaction and an eligible travel category transaction, additional Points will only be awarded for one of the transaction types ( Points will be applied as mobile wallet, not travel ). Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details. Footnote 4 Automatic statement credit ( s ) totaling up to {$320.00} will be applied to your Account when it is used for purchases made directly from a merchant that classifies itself as travel ( such as airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies ) and any merchant classified as a restaurant, fast-food restaurant or bar. Credit ( XXXX ) will be applied to the Account within 2-3 business days after the purchase posts to the Account. Account is eligible to receive a total credit amount of up to {$320.00} per Cardmember year ( based on Account opening date ). Purchases qualify based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Footnote 5 Cardmembers who enroll in the Priority Pass Select program will receive access for 12 months to airport VIP lounges worldwide that participate in the Priority Pass Select program. Enrollment with no membership fee is limited to one Cardmember per Account ( including authorized users ). Lounge visit fees apply. Please view the or visit the at for eligibility details, to register, and for full terms and conditions. Cardmembers must accept the Priority Pass Select Conditions of Use which are located at :. One Cardmember per Account may be enrolled as the member in the Priority Pass Select program, and their first eight visits are waived each Priority Pass Select membership year ( not Cardmember year ). Per person lounge visit fees will apply after free visits have been used. Lounge benefits, services and facilities differ by location and may only be available at an additional charge. Footnote 6 From time to time we may offer to you the benefit of our U.S. Bank ExtendPay Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50 % of your credit card line ( {$100.00} minimum ) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers ( as defined in your Cardmember Agreement ), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as " Eligible Purchases '' in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over {$100.00}, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement. Footnote 7 Certain terms, conditions and exclusions apply. Please view the for further card benefit details including full terms and conditions. Footnote 8 Certain terms, conditions and exclusions apply. You must complete either the Global Entry and/or TSA PreCheck application ( s ) and pay the application fee ( s ) with your U.S. Bank XXXX XXXX XXXX XXXX card . For complete details on the TSA PreCheck program, including full terms and conditions, go to. The TSA PreCheck trademark is used with the permission of the U.S. Department of Homeland Security. Please view the for further card benefit details including full terms and conditions. Footnote XXXX Certain terms, conditions and exclusions apply. Please view the for further card benefit details including full terms and conditions. XXXX fraud liability is provided for unauthorized transactions ; you must notify U.S. Bank promptly of any unauthorized use. Footnote 10 No one can prevent all cybercrime or all identity theft. Footnote 11 Cardmembers are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Infinite Concierge on Cardmembers ' behalf. Any such purchases or arrangements are solely between the Cardmember and the respective merchant, and XXXX is not a party to the transaction. All goods and services subject to availability. See full terms of service at. Footnote 12 Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank savings or checking account ( XXXX Points minimum redemption ). XXXX XXXX is a trademark of XXXX XXXX, registered in the U.S. and other countries. For a list of compatible XXXX XXXX devices, see. XXXX XXXX is a trademark of XXXX XXXX. XXXX XXXX is a trademark or registered trademark of XXXX XXXX XXXX XXXX Use only in accordance with law. App is downloadable from the XXXX XXXX XXXX The XXXX XXXX and XXXX XXXX are trademarks owned by and used with the permission of XXXX, XXXX. The creditor and issuer of this card is XXXX XXXX XXXX XXXX, pursuant to a license from XXXX XXXX XXXX, and the card is available to United States residents only. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: In XXXX XXXX XXXXXXXX I noticed a major increase in my monthly US bank mortgage payment. It jumped from {$970.00} in XXXX, to {$1200.00} in XXXX and XXXX. I looked at my monthly statements and in my escrow payments under " overage/shortage '' was a charge of {$240.00}. This " overage/shortage '' was mostly the issue along with an slight increase in taxes, insurance, principal and interest payments. I have carried a mortgage loan on this house for about 7 years. I have had slight increases in my mortgage payments from insurance and taxes but not this much. I continued to make this increased mortgage payment until XXXX with the thought that at the start of the new year the shortage in the previous years tax and insurance payments would be paid off and I would be only paying the new increase in tax and insurance. But as of XX/XX/XXXX I am still paying this extra {$240.00}. So I decided to reach out to US bank directly. I called US bank customer service twice during the XXXX and XXXX months. After finally being able to talk to a person and not a robot, I was told that the increase in my mortgage payments was due to an increase in my tax and insurance. But this did not add up to me. The tax increase was {$8.00} and the insurance increase was {$34.00} compared to the previous months. Even if there was a shortage over 12 months that's {$510.00} short. That extra {$240.00} would have paid that off in 2-3 mortgage payments. But after 6 months I am still paying this extra {$240.00}? As a last resort I took time off work to visit my local US bank to talk to someone in person. The teller was very nice and told me they couldn't look up some specific information but she could see my escrow payments. After she saw the discrepancy she also thought that it was very odd. She sent an email to someone at US bank describing my situation and I was told I would be getting a phone call from someone in 15 business days about how to resolve this issue. This was on XX/XX/XXXX. The Request confirmation number is XXXX. After 19 business days I did not receive any phone call, email, or message on my US bank online account. So now I hope the CFPB can help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was supposed to receive funds via direct deposit and for whatever reason I was sent this card. I did not use it regularly. I used the card in my building with my home address and they erroneously placed a fraud alert on my card as they have been known to do regularly, to the extent that litigation has been filed against them and they were fined. They required a physical copy of my ID which I currently do not have as I recently lost it and will not accept my Louisiana WalleXXXX ID which is legally accepted identification. In addition to that, I do not wish for this shady operation to have any more of my information than is absolutely necessary, and this is not necessary. I have requested that they mail my funds to my home, and they have refused to do so. I will not have my money held hostage due to the beaurocratic whims of a nonsense bank. There is no legal requirement binding me to send my ID to them, simply because they lazily employ and arbitrary system. My funds should be mailed to my home, which they have on record as it is where they mailed my card, immediately. I am not jumping through their multiple hoops knowing that despite repeated tries, they will " lose '' my verification, and whatever other inept nonsense they attempt to do, simply because they believe that poor people should just accept whatever treatment they offer. I attempted to resolve this with supervisors, and was ultimately disconnected. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/23 I was in a car accident with a 4 day old XXXX. The other driver was at fault. My insurance paid US Bank {$75000.00} and the payoff of the car was only {$42000.00}. The leasing company US Bank kept the total of the payment from the insurance when we should be entitled to the balance after the payoff for the lease was covered as we are out {$8000.00} for our down payment plus additional costs of obtaining a rental car, etc. The leasing company would not budge in paying anything even though our insurance paid well over what they needed. They are basically profiting off of me being in an accident especially since I only had the car for 4 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: When I took a debt consolidation loan with USBank part of the agreement was for them to pay XXXX . the cashiers check USBank sent to me for XXXX XXXX was reject by XXXX as a third party check. I ended up sending XXXX a personal check for {$1800.00}. It is my credit that will be affected. I notified USBank that this bill was resolved and to please reimburse me. They are refusing to do so. To make matters worse they sent me another cashiers check made out to XXXX XXXX. They already tried that and was rejected. Why do it again. XXXX XXXX is already settled anyway. Why can't they just reimburse me. It is in contract for them to settle this this account. Do they think they think they get to collect XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68521
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Getting a line of credit
Subissue:
Consumer Complaint: At the end of XX/XX/2024, I applied for a business XXXX with US Bank and provided all the necessary information. I have great credit and little to no debt under my business or personal name and was denied a business XXXX for my company. This is tiring game that I am all too familiar with when it comes to being a woman of color applying for any credit. I am positive that this is some form of discrimination because I can easily afford the loan and have no clue as to why I would be denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called US Bank and told them I would like an extension to pay my XXXX and XXXX payments and they granted me an extension until XX/XX/2024 ( see attached ). I paid both payments on XX/XX/2024 ( see attached ) and they have reported me 60 days late to all XXXX credit bureaus and more score has dropped XXXX points as a result ... just a the time I am trying to re-fi and take some cash out, which I do not qualify for anymore as a result of theirs actions about this extension!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A