Date Received: 2023-03-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was in a covid forbearance in XXXX. I have a primary mortgage and a second. After speaking with US Bank we agreed to roll the amount into the back of the mortgage. Paperwork was notarized and sent back. The main mortgage was processed properly. The second mortgage they never handled. I just found out today when trying to make a payment that it's 13 months past due. I've received no call, no notifications nothing from US Bank. The account has disappeared from my login. When calling I've been hung up on. This is so concerning. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, US Bank now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with US Bank to have the past due payments removed from our credit report, but US Bank continues to say their reporting is valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a debt from a bank from when I was younger. Its been over 15 years and the dead has been forgiven and its no longer in my credit. Theres a company that is trying to collect the debt. They keep constantly calling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing you to file another complaint against US Bank. I have been trying to get Loss Mitigation assistance since I was layoff back in XX/XX/XXXX. I have faxed, mailed and emailed 7 packages, the only package that had almost successfully made it to underwriting department was the 7th package. However, other the last several weeks I had personally spoken with XXXX XXXX Relationship Manager, XXXX XXXX Supervisor Manager is Loss Mitigation Department, XXXX, XXXX, XXXX and XXXX all in the same department as well. On XX/XX/XXXX I spoke with XXXX, and she confirm that by Loss Mitigation loan file was with XXXX and that something was off with this underwriter because he had a complete package to approved but hasnt review my loan since XX/XX/XXXX which didnt make any sense to either of us. XXXX was unsuccessful in reaching this underwriter or her current manager they were both showing out of the office on Messager. So XXXX, left an email for both underwriter and her manager in Loss Mitigation Department to follow up with her tonight before she left. XXXX confirms that underwriter had all required documents from me ( borrower ) after 2 1/2 hours verifying documentation and with no response from anyone in her Loss Mitigation department, we finish our conversation and hang up. I was to follow up the next day, so I did today XX/XX/XXXX and thats when things went from bad to worst with US Bank all over again. I spoke with XXXX ( hope I am spelling her name correctly ) : ( XXXX was relationship manager per my conversation with her tonight. XXXX gave me the horrible news that my document Homeowner insurance policy was missing so the underwriter closed out my request for assistance, however homeowner insurance policy was received per email confirmation with 3 US Bank employees on XXXX & XXXX of XXXX, and with XXXX on XX/XX/XXXX that afternoon call I mention earlier in my letter above. It seems that US Bank is intentionally deleting documents uploaded from borrowers like me, it can not be coincidence that all my prior loan packages ( 7 packages in total ) so how ended up missing from my loan file, US Bank Loss Mitigation department is obviously deleting loan files from borrowers for assistance. I demand that Federal Office of the comptroller of the Currency review this complaint effectively and take the appropriate action against US Bank for corruption. US Bank provides terrible customer service for their borrowers this includes me. Any help that you can provide for me with regards to my HELOC # XXXX, need loss mitigation options for my HELOC unable to continue making payment, no savings left and need help. I have been layoff and unemployment end this year XXXX. I have no late payments at this time with my US HELOC account. I also, have supporting documentation that provides proof that US Bank is deleting documentation and emails from their customers. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: US Bank refuses to let me get my money out of my account my account is due to close I'm just getting the runaround from the fraud department being told that I couldn't get my money that I would have to wait for a cashier 's check which I shouldn't have to I should be able to walk in and withdraw my money out of my account and let them close my account but instead they are giving me the runaround holding my money without legitimate reason I should be able to pick my funds up I don't understand why I'm getting the runaround from this Bank firstly I don't like dealing with checks I would like to get my money just as I put it in I would like to get it out this is why I am filing this complaint against them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Just today I discovered that m US Bank card is applying my payments toward the following months ' balance instead of applying it toward the overdue balance this month, Because of this policy of theirs, my old balances can continue to increase and accrue interest at a high rate and my interest payments will grow higher until the ever increasing upcoming debts ( plus the excess interest charges ) are paid in full. This policy avails them the opportunity to bump up their profits as they encumber me with an unfair disadvantage during times that I have excess bills. Why should I have my money applied toward future balances that aren't yet due? I need to catch up on the older interest first, otherwise I'll continue to be overtaken by runaway interest on the older debts as my financial strength to pay off new debt diminishes. So newer debts more easily accumulate as US Bank continues to ignore more aged debts that advance me into further arrearage. I thought banking laws prohibited my payments from being applied in this way, as to weaken my position as a debtor as the banks capitalize on this. On the due date of XX/XX/XXXX, I owed them {$1500.00} and I made a {$50.00} minimum payment on that date, then made 2 other payments of {$600.00} each on the XXXX of XXXX. I was about to make a {$200.00} payment today ( XX/XX/XXXX ) when I found my 2 {$600.00} payments were not counted toward this debt, but toward the next statement due XX/XX/XXXX, which I haven't received yet. So far I've talked with an employee and a supervisor and they were unable to make an adjustment in crediting my payments toward this month. At this time I'm now waiting for a " manager '' to call me back. Doubtful the manager will credit my payments otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: - US Bank representative called me, was rude, harassing, and threatened me. ( XXXX ) - XXXX from Social Media team called me. - Called me stupid, then threatened me with unspecified XXXX XXXXXXXX. - US Bank branch personnel were incredibly rude and nasty to me. ( XXXX ) - One lady refused to answer any of my questions. - Another lady butted in and started loudly and rudely talking at me. - That second lady ignored me altogether, chased me out of the bank, and accused me of yelling. - US Bank personal account fraud charges issue ( XXXX ) - I got a text about fraud charges, had to dig deep for ID for sender. - Checked my US Bank personal account, FOUR fraudulent charges. - Requested assistance via phone and in person several times, all refused. - Unknown deposit in business account ( XXXX ) - Unknown check deposit for {$100.00} XXXX XXXXXXXX - On XXXX, this transaction is not found at all. - Unable to reach a person via telephone for assistance - This issue has been going on for a long time. - The automated systems don't allow me to speak to a person- The automated systems say my information is invalid and hang up on me- The automated systems don't offer me an option for why I'm calling - Inability to utilize offered services - US Bank refuses to process my application for a personal or business credit card - They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this 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: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: In late XXXX, State Farm XXXX XXXX transferred my and my husband 's joint CD, as well as each of our individual Traditional IRA CDs to US Bank. Prior to this transfer, we received quarterly communications from State Farm and had a local person to speak with about issues. After the transfer, US Bank sent us virtually no communication on balances, renewal dates, or interest rates. There is no branch within XXXX miles of my home, so we could not visit them in person for this information. The only thing that we saw regularly ( annually ) was our IRA required minimum distributions. When I finally had my daughter help me gain online access to these US Bank accounts ( I'm XXXX XXXX XXXX and not computer literate ), I saw that my IRA CD had been renewed in XXXX at a 0.05 % interest rate with no communication of that renewal whatsoever. My husband has been in a XXXXXXXX XXXX since XX/XX/XXXX, and I have very limited financial resources given the bills I am paying for his care. My IRA, valued at approximately {$36000.00}, is one of the few assets I still have. However, given the paltry interest rate I was receiving from US Bank, I transferred the IRA to a financial institution closer to home so that I could better manage it and get a better interest rate. I was appalled to see that when the transfer occurred, the balance was reduced by over 3 %. I called US Bank twice to understand why. The first time, XX/XX/XXXX, I was not given much information other than that it was a fee they charged for transfers outside of the renewal period. I asked to speak with a manager. He - XXXX XXXX- was not available but I was promised he would call me back within 24 hours. I still had not received a return call as of today, XX/XX/XXXX, so I called US Bank again. All I was told is that the 3 % fee is not able to be waived and that they would log feedback for XXXX XXXX since he did not call me back. I can understand losing a few months interest, but losing 3 % of the entire balance with zero communication from US Bank about their fee / penalty structure is outrageous. For an older person with limited means, it's robbery with no warning.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, US Bank now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with US Bank to have the past due payments removed from our credit report, but US Bank continues to say their reporting is valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Purchased a {$300.00} gift card for a family member the week of XX/XX/2023 at a XXXX in Utah. Family member attempted to use the card at XXXX XX/XX/2023, the card was stolen and already used the same day about an hour before the use at XXXX, a fraudster used the card in NY for {$300.00}. The family member and I began the dispute process, which has been a complete nightmare. Faxing the documents they asked for, then having the case closed for no reason. We are now having a bi-weekly calls with this company to get nowhere or have any action taken. They continue to give us another hoop to jump through to send documentation because they did not get the fax or that the docs that were sent are not correct. They have asked my family member to send in PII!! This is a fraud and they should never ask for an ID or birth certificate. We are now sending a XXXX to have proof that they received it, which they continue to lie that they never received the XXXX. We are now on week four of this nightmare. Today XX/XX/2023 we are told they received my XXXX but need the XXXX receipt to have proof that we even purchased the gift card, even though it has already been provided. This company does not care of the monetary harm it causes consumers and rather help their fraudsters out get the money from the gift card. Today, we are involving our credit union disputes department to help us with the merchant charge back since we have enough proof we have attempted to resolve this with the merchant. Website - XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A