Date Received: 2023-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a HELOC with US Bank which are started back in XX/XX/XXXX. I have posted payment the first week of every month. I have late fees in XX/XX/XXXX and XX/XX/XXXX. The bank stipulated because I made the payment the first week of the month before the statement processed that the payment went to principle which made it look like I didn't make a payment. I talked with more that six different representatives and a manager over the last 2 months to correct this. The months I didn't get a late fee is because the payment was within the 5 day grace period according to the Bank. My normal payment is around {$1500.00} and I have always paid more than the balance due. This month showed a due amount of {$3800.00} for XXXX XXXX XXXX. The Bank supervisor on the phone said it can't be changed. This is not my fault and was never told to make payments after the 6th of each month. I made all of my payment online. I paid {$3900.00} on the XXXX because of what the Bank stipulated and I didn't want to ruin my credit with a past due amount over 30 days. This was not my fault and I have been making payment ever month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My name is XXXX XXXX. I have a credit card with U.S. Bank. The product is called US GO bank credit card. U.S. Bank has disabled my username since XX/XX/23 and not able to resolve the issue. When I contacted the customer service ( XXXX - XXXX XXXX, the agent was not able to her job duties proper to address my concern. There was no resolution provided and she was extremely rude in her behavior. My online access is still blocked and unable to see or monitor any credit card transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Im an authorized member on my husbands credit card with US Bank. Since I have been added as an authorized user I have received a credit score. Recently in XX/XX/XXXX there was a missed payment on the credit card which resulted in US bank not reporting my payment history to the credit bureaus. I had a credit score in XX/XX/XXXX and then starting in XX/XX/XXXX my score was removed. I contacted US bank about this 5 times but nobody is able to explain what is happening or what the solution for this would be. I sent a letter to the banks dispute department but they only responded to confirm that my information is not being reported to the credit bureaus, no fixes, no updates or anything. Currently I am still an authorized user but the bank is still not reporting to the credit bureau on my behalf
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a US Bank account around 2 and a half years ago. Earlier this week, I received a letter from them stating that they believed the account to be fraudulently opened, and requesting proof of identity, as well as some other information. The proof of identity I can understand, as asking for photo id and social security card is pretty standard. However, they are also asking for 2 years of my tax returns and 2 months of bank statements. This is the kind of information that is normally asked for when applying for a personal or home loan, not a personal credit line. When I called and asked them what evidence they had of fraud, they informed me that it was an internal matter that they could not discuss with me, and provided me no evidence as a result. The account has been open for multiple years, is paid and in good standing, including a balance transfer that was paid off, so I don't know what would prompt them to send me this letter. If someone was committing fraud, I would assume that they would take the money and not pay the account. Since they won't share with me what prompted this, I can only assume that they are demanding financial information from me in an attempt to qualify me for other bank products that they have, or to resell this information. I would like you to please find out on my behalf what actual evidence they have of fraud. Please note that I am fully willing to provide proof of my identity in the form of my ID and social security card, but I refuse to give them financial records of the nature that they are requesting when they wouldn't request the same from a new customer, and when no other credit card company I do business with has ever asked for such either. This seems like harassment to get access to information by threatening to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: They force me into Default, claim its my fault, then get a sale date for my property, while IM TRYING TO PAY THEM MORTGAGE PAYMENTS!! They don't want monthly mortgage payments. They want a large lump sum of money all at one time. They only way to get that is the " force '' ne out of the home I own that I have been trying to pay them for since XX/XX/XXXX. XX/XX/XXXX The " servicer US Bank '' have put a lien and are forcing a sale of my Homestead property. Willfully violating Article X, Section 4 of the Florida Constitution which exempts homestead property from levy and execution by judgment creditors. This means that a creditor can not place a lien against or force the sale of your homestead to satisfy an obligation or monetary judgment. XXXX XXXX does not have a mortgage- see my XXXX credit report attached. XXXX XXXX 's primary residence is Homestead property - see attached receipt from XXXX XXXX XXXX XXXX. I want to save my home from this false foreclosure. The " bank servicer, US Bank '' falsely claims to be my " mortgagor '' to me as far back as XX/XX/XXXX by a false " Notice of Transfer & Reassignment Letter '' I received from them. Since then, for almost 5 years now, they have denied to me the : Right to make mortgage payments Right to a Modification Application processing Right to a Letter that Declares a Default Right to have a Face to Face Meeting with them before Foreclosing Right to obtain loan information from my Qualified Written Requests I sent Right to Homeowner Covid-19 Incentives and Monetary Relief Receive to access any assistance provided by the bank to help me stay in my home Name/Firm/Company representing them : XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Equity Skimming Disguised as a Foreclosure Street Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX, FL XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Website XXXX XXXX XXXX XXXX Date of Transaction : XX/XX/XXXX INTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX Email : XXXX Name/Firm/Company : US Bank National and XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Subject/Category : Equity Skimming Disguised as a Foreclosure Street Address XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX, FL XXXX XXXX XXXX Phone : ( XXXX ) XXXX Website XXXX XXXX : XXXX Date of Transaction : XX/XX/XXXX Amount Paid : XXXX Questions/Comments : Equity Skimmers They work together to steal the equity in your home ( get themselves a loan ) and stick the homeowner with the bill US Bank never secured interest in the first mortgage. US Bank " hid itself '' in the mortgage origination process as an investor and it funded the down payment assistance of {$7500.00}, the second mortgage. That is the only promissory note or agreement between me and US Bank National. Now the bank is trying to skim the equity by pretending to be the holder of the first mortgage, but won't fulfill the duties of the first mortgage holder and have denied the following to me. There is no first mortgage balance. Bankruptcy Trustee already told US Bank it had not submitted any documents to show it had secured a interest in the first mortgage. XXXX XXXX was the lender on the first mortgage. They got paid in the beginning of the transaction. Right to a Face to Face Meeting, Right to negotiate terms, Right to a Modification Application processing, Right to Mitigate, Right to obtain information regarding loans, right to provide Covid 19 relief and other government programs for struggling homeowners For 4.5 years I have been trying to meet Face to Face with the bank but they keep denying me that right. I have been trying to meet Face to Face to Negotiate Housing. XX/XX/XXXXXXXX XXXX XXXX XXXX Bankruptcy I got an Order from the Judge to Mitigate. The bank strung me along for weeks pretending to be processing my modification application. As soon as the XXXX XXXX was discharged and I was no longer protected, the bank filed a Foreclosure action against me in XX/XX/XXXX. The bank lied when filing the Foreclosure action. The bank submitted a notarized Note Certification letter stating it held the original note for the first mortgage when it did not. The bank submitted the cert letter with its own account written on it but the Promissory note of the first lien holder was attached to the letter, and that note had a totally different account number on it. The bank only holds a 2nd mortgage for {$7500.00} for a DPA ( down payment assistance ) loan. The bank is trying to get paid over XXXX by misusing the first lien holder 's Promissory note, the agreement between me and that lender.. Since the bank filed that foreclosure, it keeps pressuring the Judge for Court Orders to sell the property, while I'm in it trying to pay them! I live in my house and have no intentions of leaving. I am employed as a XXXX XXXX XXXX I can afford to pay a mortgage. I have been trying to meet Face to Face with the bank, to negotiate better terms, modify the terms of the agreement, get relief, pay them and continue on with my life. They have stressed me to the point that I have to take XXXX They will not follow ANY rules. Won't offer me any relief and refuse to meet with me to negotiate. They tried to push the foreclosure during covid19 when there were federal moratoriums in place to delay foreclosures. They have stressed me out so bad, during my unemployment period and now even while I'm working and have been willing to pay them. I have followed all the rules.
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: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My name is XXXX XXXX and I recently opened a checking account online on XX/XX/2023 at U.S. Bank. Since the day I have opened my account, U.S. Bank has disabled my online access. Even after trying continuous attempts to with Digital online banking support, the problem is not getting resolved. I have had multiple sessions done like co-browsing, numerous customer service calls but no resolution as of yet. Prior to opening checking account with U.S. Bank, I also had a U.S. Bank XXXX XXXX Credit card to which I had online access to. After the issue happened, I have now lost access to my Credit card account as well because U.S. Bank linked my checking account to the same USER ID which was linked to credit card account. Digital banking support is neither able to enable my current USER ID nor able to create a new USER ID to enable my online access. Their IT infrastructure and compliance and fraud prevention system is in very dilapidated condition wherein even their employees are also not able to resolve the issue. XXXX XXXX from digital banking support who is working on this issue is least concerned and an employee of U.S. Bank who keep throwing the work off the fence to some back-end support team and come with one or the other excuses or several set of questions without any roadmap for resolution or any promising remediation pathway towards the resolution. Apparently, it feels that it is not just U.S. Bank infrastructure but even the employees of U.S. Bank are not welcoming and also incompetent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a US Bank Checking account on XX/XX/XXXX, and signed up for a promotional bonus advertised by US Bank. The terms of the bonus ( which I have attached ) state that when the following requirements are met, I will receive a {$400.00} bonus. I met all the requirements ( as proven in the attached document detailing my transactions ), but have still not received the bonus : -Enroll in online banking - OK -Deposit at least $ XXXX within 30 days - OK -Make 5 transactions within 60 days ( debit, XXXX, checks ) - OK -Keep $ XXXX for 60 days ( until XX/XX/XXXX ) - OK -Get bonus within 45 days ( by XX/XX/XXXX ) - Still waiting I called shortly after opening the account and was told I successfully enrolled in the bonus. After the 60 days were met, I called again and was told that I should receive the bonus soon. I then called again XX/XX/XXXX, and received a call back on XX/XX/XXXX, and was told that I indeed met all the requirements, but that I won't receive the bonus until at least the end of May, which is another 5 weeks from today. Per the terms, the bonus was promised by no later than 105 days, which for me is XX/XX/XXXX. I am now filing this complaint because I have no faith that US Bank will honor the terms it laid out in the agreement. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: US bank is asking to verify my account since there are fraud anomalies on my account. One I haven't used my card for anything except for groceries or gas but that was a month ago. because I am paying off the card this year. They are asking me to send them my personal bank statements, tax forms, social security card, and other info such as DL via mail. I wouldn't mind sending my DL, but send my social security card, tax forms, and bank statements in the mail. I keep calling to get to the bottom of this, every single time I call so far every representative hangs up the phone when I asked if I can omit some info from my bank statements/tax form since I have had my identity stolen before. Plus they can not tell me why they need my statements or why they need to see what I am spending in my daily bank account. This has nothing to do with my credit card. Nor will they give me a fax number to send in the documents. This is sooooo unfair and very unprofessional and I just want to rectify the situation. The employees need to be trained better on how to handle the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: US Bank has denied several claims I've made in an attempt to retrieve funds from an UNAUTHORIZED XXXX transfer to a person I do not know and for an amount far above what I can afford to lose ( more than a month 's rent ). On XX/XX/2023 I was emailed about a {$2000.00} XXXX transfer to a XXXX XXXX. I do not know this person, nor would I ever send this large a sum of money via online transfers ( XXXX, XXXX, etc. ). I've since spent countless hours on the phone with US Bank 's fraud liaison center as well as in person at a local branch. At the advice of the fraud center, I closed the original accounts and opened up a new one as I was told they had been compromised. When I was notified of the first denied claim, I was told a police report may serve as new evidence to help me retrieve the stolen funds. They once again denied the claim, calling it a duplicate without spending any additional time to review new details. After my most recent conversation with the fraud center, I was told that no one was willing to tell me the truth within US Bank and that fraudulent XXXX claims are rarely successful. I was told there is no one else I can reach out to and nothing else I can do. For the price of a stolen {$2000.00}, I've achieved nothing but wasted time over the course of several weeks. Why are there no protections against XXXX fraud if every bank is constantly advertising for them? Why is there no way to get ahold of a XXXX representative about fraud claims? Neither entities want to take responsibility for what is obviously an unsafe platform very easily susceptible to theft. Even for cases where it's just a mistake, how is it possible the transactions can not be reversed? There should be insurance for these types of scenarios to avoid leaving customers hanging out to dry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; Capital XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; US Bank as well as XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A