Date Received: 2023-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I receive HAF payments in the amount of XXXX. However these payments are posted to the account on different dates each month and in order to avoid late reporting to credit and late fee I made a payment on XX/XX/2023 in the amount of of XXXX the reason i made the payment in this amount is because my mortgage insurance increased and my escrow monthly is XXXX. So the amount that HAF pays is not enough to pay the full mortgage and I am responsible for the difference. I wanted to pay down my escrow so that my mortgage payment does not increase. I called US bank and spoke to a rep who told me to pay XXXX directly towards the escrow and that she would put in a request to have a escrow analysis done so that the monthly payments would decrease. I made the payment and the rep put in the request and advised that it will take up to ten business days. As of today XX/XX/2023 I reviewed my account online and it shows that the payment of XXXX is in a suspense account and that I have a past due balance that was due on XX/XX/2023. I called Us bank and spoke to someone in mortgage assistance that's states that because I paid XXXX and not the difference they can not apply the funds to my past due mortgage and basically stated that HAF paid the balance because of unemployment. I told the rep that I was never unemployed and that HAF assisted because of the reduction in my income. I also asked as to why I am charged late payments when HAF sends batch payments to the bank on the first of every month and its not fair that I am charged a late fee because US BANK doesn't post on time. This unacceptable and the XXXX should be applied to my mortgage payment especially since it is showing past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/2023 into the US Bank account for my XXXX. The check in question is my paycheck for {$5000.00}, written by my dad 's company who also has an account at US Bank. US Bank has decided to hold the entire {$5000.00} deposit from XX/XX/XXXX until XX/XX/2023. Given that the check is coming from the same institution I am frustrated that they can not " verify '' it faster, and I believe they only have two business days to do this after reading regulations for " on us '' checks. They refuse to release the hold any quicker than that. I have called twice and have been given little information as to why they do this other than its probably " just random '' or the " check was suspicious ''. They say suspicious checks get flagged but this check is identical to every check I have deposited into this account since I opened it. There is nothing off about this check or how I deposited it. I use their mobile app and have never had this happen with a mobile check deposit. I feel like they are intentionally holding my money until after my credit card due date ( XX/XX/XXXX ) to force me to miss the payment so I have to pay interest and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: this is a defamation to my character I am trying to buy a car i see multiple hard inquiries and a credit card with elan i never opened
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My current employer, a XXXX XXXX company, has our travel/expense cards through US Bank XXXX I have one card through the bank. Because of this and my experience, I decided to my personal banking over to US Bank. I opened two accounts to start, with small deposit amounts of {$25.00}. Since that time, each and every day my account access becomes unlocked and then locked. I am being told it is a security measure glitch. I have been aplogoized to many times. In the two weeks since I did this, I have been unable to access my funds. Now the funds are small ( Thank God I didn't move my direct deposit over ), it is more about the principle of things. I have spent hours on the phone multiple times to straighten this out with the bank to no avail. At this point I simply want to my money back via XXXX today, and some form of good faith compensation. I am tired of this process and I am very frustrated. Can you help? No one else seems to be able to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX US Bank National correspondence received offering help. XX/XX/XXXX Attorney for US Bank pushed Judge for a sale date. XX/XX/XXXX, XXXX Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). XX/XX/XXXX - A second Mortgage Assistance Application sent by me, received by US Bank National ( acknowledgement email ). XX/XX/XXXX -Per a US Bank Relations Representative , she sees no documents on file, and all documents needed must be sent to US Bank National by tomorrow, XX/XX/XXXX. I ask for a fax number. XX/XX/XXXX I fax the Mortgage Assistance Application, Pay stub, all hardship & medical documentation for Loss Mitigation for the Underwriting department ( XXXX pages ). XX/XX/XXXX I telephone US Bank National and was told to call back on Thursday - 2 days-to make sure the " Underwriting Department '' had everything they needed. XX/XX/XXXX I contact US Bank National and a Customer Relations Representative told me " the Underwriting department will not review the documents when there is a sale date scheduled. '' But they knew this in the days prior when they gave me a fax number and instructed me to call back to check on the documents I faxed. US Bank National does not want to do a " mortgage modification. '' This is the same thing they did to me from XX/XX/XXXX to XX/XX/XXXX. US Bank National strung me along pretending to be " processing a modification application '' but each time I called/emailed to follow-up, there was always some document " missing. '' I never got the modification and US Bank filed a foreclosure action on XX/XX/XXXX. US Bank FORCED me into foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: on XX/XX/2023 at around XXXX XXXX ( MST ) I tried to active my credit card with US Bank and upon calling the contact us list on the activation website, Commercial Clients XXXXXXXX ( Toll Free ) I was met with a promotional offer about medical equipment not anything about credit cards. I tried to deny the medical offer but then I was transferred to a live agent ( Female ) trying to still offer me this promotional offer for medical equipment. I stated that I was there to active a credit card and asked if they were with US Bank to confirm. The agent disregarded what I said and said that we should explore the offer and see if it is right for me. I informed the agent that this is a Unfair, Deceptive, or Abusive Acts or Practices and that I am only here to active a credit card. The agent then plays some recording about the medical promotion offer and I hang up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: After a great deal of effort and time, I opened a new accout with US Bank on XX/XX/XXXX. My new account met requirements, as explained by the banker in-person, to receive a {$600.00} signing bonus : deposit {$6000.00} by wire transfer within 60 days, done on XX/XX/XXXX, and the bonus would be paid after 60 days. I followed up on their XXXX tel # on XX/XX/XXXX. They confirmed I met the requirements and would settle in XXXX days. Nothing. I called on XX/XX/XXXX. They told me I would recive the bonus by the end of XXXX XXXX. Nothing. I called on XX/XX/XXXX, they needed another 30 days to sort it out. Frustrated, I made an in-person appt with the banker who opened the account. NO bonus because I am not employed, I am retired and one of the wire transfers is from my trading account. The banker was as surprised as me. I thought cash was cash. What possible business reason for this fine print? I have not had this experience with other banks. I wasted at least {$600.00} of their time! No wonder they were down-graded. Closing account asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40222
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I been a customer with US Bank for years. Last year ( 2022 ) I had a problem with fraud on my account, they placed a 30 day hold. It ended up being over 60 days. Was being referred between the local manager and corporate office. Finally after threatening to sue the very rude manager, he was able to give me my check with my account balance but not before stating that the bank would be done doing business with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I just purchased a vehicle literally 2 days ago. XX/XX/2023 is when I walked into a local US Bank to extract my hard earned funds that I was saving for my vehicle purchase. I mean the vehicle only cost me XXXX I withdrew XXXX. Just in case. I also put insurance on my vehicle later after purchasing the vehicle, which I also used my US Bank account for to make that purchase. Then to avoid the service fee I XXXX myself from my XXXX XXXX bank account money ( XXXX ) to be exact. When I later tried purchasing something for the vehicle that I needed - my card was declined- I used my mobile app to check it. I have money in there to cover everything- then I called the bank and they act as if I am a criminal- my XXXX XXXX account- they have no problems with me there and theyve never even saw my face- everything is done online- the bank is now stating its due to my address verification and they are the ones that sent me an email stating my address verification was successfully received and updated- mind you I opened the account 4 months ago- they are trying the gaslighting bit and all this silly misdirection XXXX that sometimes they do- I just want my money- I have all evidence to prove this. Also I saw article where US Bank was sued by customers in the past for abuse of power. They stole XXXX from my account for something that I didnt even purchase- they are just stealing my money. Please help me with next steps. I dont recommend this bank to anyone, however, this incident wont detour me from opening up another account at a physical bank. Just because XXXX bank is playing games and committing fraud, doesnt mean that every other bank is the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: my name is XXXX XXXX I live in XXXX Pennsylvania .us bank, Pennsylvania unemploymentt, so called friends of mine and so on ... ... .I do know this alot of money was taken from me and a lot of people got a lot of money from what they would call a meal ticket ( me ) from XXXX of XXXX to ongoing XXXX still nothing has been done about it and I still am not giving up I have all the proof in the world but yet no one wants to help me I'm not giving up!!! my cell number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A