Date Received: 2024-01-26
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: My complaint was with US Bank and the foreclosure of my home. They did not allow me the opportunity to save the home through the pandemic and I still beleive that I legally have a claim against them as their lawyer requested a dismal of the foreclosure judgement but the judge did not act on their request. While I'd love to revisit this as it was unjust after going through the worst phase in my life, including all of my belongings stolen by the the new owner. I have been homeless, living out of my car and still going to work like nothing was wrong. Just as I thought I pulled myself through this, the fallout from this whole ordeal continued to put me on the street. I was just evicted from my current home and again finding myself with no place to call my own. All due to an error in how the bank reported interest paid. In XXXX, I was working with the bank to bring the home out of foreclosure and become current on the mortgage. I had a arranged settlement where the FHA assisted me paying the back payments and added to the end of the loan. The bank completed the transaction and I received my XX/XX/XXXX statement with an ininterest paid of XXXX in change. Based on this, I filed my XXXX taxes and XXXX taxes on the documented interest paid. in both years the the bank stated showed large amounts of interest paid and I figured it was due to the loan amounts added to the note. I filed my taxes like every year of the XXXX interest paid statement. I don't recall ever having issue on this. Anyways, things went south and in XXXX I attempted a bankruptcy to save the home. The attempt failed and I lost my home. However, the bank never reported the interest correctly and of course took the federal money and bounced it in and out of my account. Not really an issues now with the home lost, but the falsified interest paid in XXXX XXXX T given to the irs and the subsequent XXXX XXXX T has caused huge penalties on to me from the IRS. All along I claimed that I had the documents to prove that my reporting to the IRS was accurate with the documentation provided by the bank. Well with al the noise of this I had never gotten the chance to fight the claims made on to by the irs. when the house was taken my documents were all disposed during the eviction process. This error has caused me thousands of dollars in penalties from the federal government and the state of wisconsin. The federal government at least had the decency to let me try and get my feet on the ground but the state of wisconsin not so much. They have forced wage garnishment of 25 % for two years and half years all while putting me back into the financial place I spent the last 10 years. I finally started to act on my recollection of the mistakes and asked us bank to provide the statement from those two months. They did and the amount of transaction of monies in and out of the account from XXXX XXXX to XX/XX/XXXX was mind boggling. However, it shows that I did report the interest payments correctly as they were given to me. This is clear in the 2 year transactional document provided. This justified that I in now way should have been responsible for the audit and fees of over XXXX that both the federal government and state of wisconsin are claiming and burdened me with. The problem is getting a tax professional to even act on this, most are in upwards of XXXXXXXX XXXX to address this nightmare. I understand and of course take some blame for not acting immediately but I certainly don't deserve this financial burden. I have not received a dime of taxes paid and still have an outstanding bill of XXXX to Wisconsin and the IRS a burden that should have been addressed by the bank and the irs in investigating my claims. The mockery of regulation and the huge burden placed on the little guy is astonishing. The banks continue with record earnings while American tax payers are dragged through mud. I am asking for some help in correcting this and letting me out of a home bought right on the brink of the housing bubble and I was upside down from the jump. I am not asking for a handout, just assistance in correcting the huge obstacle of dealing with the IRS and the bank to do the right thing and address the IRS. I have another claim for the same year where another bank piled on and dumped a 1099-C in the same year. Yes a victim of XXXX XXXX and greed of filing 6 years after the sale. These two compounding acts have placed a huge burden on me and I would lie assistance in correcting it. I urge the banks to both do the right thing, and address this issue with the irs. Just to sprinkle some icing on the cake, I am a victim of Identity theft in XXXX a false tax claim was make in mys stead to attempt gaining stimulus money. which now shows the IRS to a grounding halt on helping me with anything. absolutely crazy and I am at wit 's end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: US Bank Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file bankruptcy ( XXXX XXXX ) in XXXX. Our mortgage was not included in the bankruptcy discharge filing and we signed a reaffirmation agreement US Bank. We have not missed or made any late payments during the entire duration of our loan. I have requested for US Bank to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55075
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Hello. My husband and I both have platinum credit cards through Elan Financial. In taking inventory of our debt, we realize that we have overextended ourselves and want to take care of this. We arent asking to not pay our bills. We expect to pay every XXXX we owe. My husband and I called to get the interest rates and payments lowered on both of our cards. Elan Financial took care of his, and then said I was eligible for the same program. The person helping us said that his computer was running slow, and that we needed to call back to get all the details arranged. I called back repeatedly. Elan Financial is now saying that I am not eligible for the hardship program. We have made the first payment on my husbands Elan card, and I am eager to make a payment and get started paying back the amount I owe. Multiple calls have resulted in no help. Today I called, and they again said to call back in a couple of weeks. What is wrong with these people? I have called several times and keep hearing the same thing. Keep calling back. In the meantime, I am sure they are reporting this to the credit bureau. Seriously the worst company ever to deal with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I contacted relia card over and over and over again about my dissatisfaction with the internal policies Making a mandate of Congress ineffective with their internal policies and spending limits I warned them that this is a bad idea because nothing could stop a mandate of Congress once it's voted in especially a third party agency I contacted US bank they said they don't have anything to do with relia card even though the debit card was given to us has USYes Bank on it I told them about my confusion they said there's nothing they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX 2023 I deposited two checks into a previously negative bank account, one directly from work and another through their app from school ( leftover loan money I received each term, and had deposited before ). Bank closes my account AFTER depositing both checks. Around a month later, maybe two, received a check for between $ XXXX, but I have a remaining XXXX still unreturned. Contacted bank numerous times, via phone, in person, and at original bank I opened account at ( at their request ). Still nothing, and no information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023 To CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), Re : Complaint against US Bank In the matter of : XXXX, which was later rebranded as XXXX, served as the main trading platform where fraudulent activities were primarily conducted. It was introduced to me by the scammer named " XXXX XXXX. '' Dear Sir/Madam, I am writing to urgently bring to your attention a distressing matter involving US Bank , my trusted financial institution. This bank inadvertently played a role in facilitating fraudulent transactions that were transferred towards XXXX XXXX, XXXX, and XXXX and directly received by the fraudulent trading platform known as " XXXX XXXX which was introduced by XXXX XXXX. OVERVIEW I have unfortunately fallen victim to a carefully orchestrated scam led by XXXX XXXX XXXX XXXX XXXX XXXX deceptively presented herself and employed illegal and manipulative tactics to engage in trading on the platform she introduced, called XXXX. This has resulted in a significant financial loss totaling {$140000.00}. XXXX XXXX XXXX XXXX portrayed themselves as someone who could assist me with my financial matters, offering efficient investment and trading services or advice. Sadly, they failed to fulfill their commitments, and I have not received any returns or services as initially expected.The money I entrusted to them remains unrecovered. Initially, XXXX XXXX assured me that I could generate profits and make easy withdrawals by following her instructions to trade my funds on the platform of XXXX, which has led to significant financial difficulties. It's evident that XXXX XXXX XXXX and the XXXX trading platform were deceptive, involved false representations, and clearly violated the law in terms of " Goods or Services Not Provided, Misrepresentation, and Merchandise Not as Described or Defective. '' After obtaining my funds, XXXX XXXX and XXXX vanished without any explanation or prior notice, rendering it impossible to establish contact with them or address the issue. Despite my persistent attempts to reach out to them and other relevant parties, my efforts have been in vain in seeking a resolution. Enclosed, you will find the relevant evidence highlighting the fraudulent nature of the situation. ADDRESSING CONCERNS REGARDING FRAUDULENT ACTIVITIES AT US BANK I am reaching out to discuss several critical issues related to fraudulent activities that have occurred within US Bank. 1. It is paramount that I underscore the US Banks role in these fraudulent transactions. They were responsible for initially executing and transferring these transactions to the fraudulent trading platform, thereby bearing accountability for the fraudulent conduct. The Consumer Financial Protection Bureau ( CFPB ) has explicitly conveyed that financial institutions like US Bank must account for the intricate and evolving nature of fraud, refraining from outright denials on the recovery of funds in such cases. 2. CFPB has reprimanded the practice of branding customers as " grossly negligent '' merely due to their unfortunate victimization by scams. The obligation lies with the financial institutions to develop their security protocols and software to ensure the safety of customers ' funds. Unfortunately, US Bank has not met this standard, rendering naive and inexperienced clients susceptible to such fraudulent schemes. 3. I am profoundly troubled and find it utterly unjustifiable that US Bank has chosen to shirk their responsibility by consistently ignoring my repeated attempts to address this fraudulent complaint. Despite the numerous letters and messages, I have sent to inform them of my concern, their actions demonstrate a lack of professionalism, a failure to uphold regulatory obligations, and a substandard approach to ensuring customer protection. This conduct starkly contradicts the core mission of financial institutions, which is to prioritize the well-being and security of their customers. 4. I am truly perplexed by the US Banks resistance to aiding me in recovering the funds that were unlawfully seized by XXXX XXXX XXXX XXXX When I authorized the payments, I was entirely unaware of the fraudulent nature of the involved entities ; it was only subsequently that I uncovered the truth. I implore the US Bank to assume full accountability for the situation and proactively take measures to retrieve my stolen funds. It is imperative to recognize that the scammers not only failed to provide any services but also deliberately misrepresented themselvesto ensnare me. DETAILED DESCRIPTION OF RECEIVED SERVICES Unbeknownst Funds Transfer : Funds were surreptitiously transferred without my knowledge by the fraudulent individual named XXXX XXXX XXXX along with her introduced platform XXXX. These scammers deceitfully presented themselves as trustworthy, offering trading opportunities and financial services. Under the guise of generating profits and extending financial aid, they enticed me and others. However, they consistently failed to fulfill any of their promises, with their true intent being the illicit extraction of money from unsuspecting victims. Fabricated Documentation : The fraudulent activities of XXXX XXXX and XXXX included the fabrication of documents that portrayed them as legitimate entities. These deceptive documents were strategically employed to establish false credibility, persuading me and other individuals to entrust our funds to them. XXXX XXXX and XXXX goal was to perpetrate financial fraud by deceiving people into trading. Inadequate Services Rendered : Despite depositing funds with the expectation of receiving the promised services and returns, the scammers vanished without a trace after obtaining my funds. This sudden demand left me in a state of shock and financial distress, as the funds entrusted to XXXX XXXX, XXXX, and their accomplices remained unrecovered. Deceptive Practices : I was lured into depositing funds under misleading pretenses, under the belief that XXXX XXXX and XXXX would generate substantial profits. Regrettably, their promises proved to be hollow falsehoods. Not only did the projected profits fail to materialize, but my funds were also misappropriated, and the reimbursement they had promised was never delivered. False Trading Claims and Manipulation : XXXX XXXX and XXXX manipulated and coerced me into depositing additional funds by peddling deceptive claims about doubling investments and ensuring immediate returns. Through the introduced platform, XXXX, they falsified information to create the illusion of genuine profits, persuading me to invest more. These additional funds served solely to benefit them, with no legitimate services being provided. In summary, the scammers, XXXX XXXX and XXXX, failed to deliver any of the promised services. Instead, their actions exacerbated my financial circumstances, leading to considerable losses and substantial harm to my overall financial stability. OUTLINING MY DESIRED RESOLUTION FROM US BANK With the assistance of the Consumer Financial Protection Bureau ( CFPB ), I humbly submit the following requests and expectations to US Bank regarding the fraudulent occurrence concerning the entities " XXXX XXXX XXXX XXXX XXXX' It's essential for me that US Bank acknowledges their role in facilitating these transactions and recognizes their share of responsibility in contributing to the subsequent fraudulent activities. I expect them to take full accountability for their part in this situation. I'd like the US Bank to commit to enhancing their safeguarding measures and actively taking steps to prevent similar incidents in the future. This should encompass a review and improvement of their due diligence processes and security protocols. Ultimately, my goal is to rebuild trust in US Banks services. I believe this can be achieved if they address the situation comprehensively, fully acknowledge their responsibilities, and take concrete steps to ensure the security of future transactions. Furthermore, I earnestly implore the Consumer Financial Protection Bureau ( CFPB ) to step in and collaborate with US Bank to fully grasp the seriousness of this situation. Ensuring the well-being and safeguarding the interests of US Bank clients must be the foremost priority. I kindly seek regular communication from the Consumer Financial Protection Bureau to stay informed about the ongoing progress in resolving this issue. This transparency holds significant value for me. With the hope of a swift response and a timely resolution, I extend my appreciation for your immediate attention and collaborative efforts in addressing this troubling matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account went into collection with XXXX XXXX. A USB representative informed me that XXXX XXXX was working directly for USB. I settled the account with XXXX XXXX, and provided payment in full on XX/XX/21. Despite my repeated letters, e-mails, phone calls, documentation, proof, and disputes, XXXX refuses to correct the information it is providing to the credit bureau agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04005
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Closing on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: I am buying a home via a loan assumption of a FHA XXXX loan in XXXX Nebraska. I paid an earnest deposit of {$5000.00} and a {$900.00} assumption fee along with a credit check fee. The contract/purchase agreement was signed on XX/XX/23 and the closing date of XX/XX/23 was set. US Bank is in control of the loan. They have been provided with all necessary information within 48 hours of request. Some documentation has been provided repeatedly as it's viable time frame had expired because of the lengthy time this has taken. I have repeatedly inquired as to why this is taking so long and have been told that it might be better to obtain conventional financing. I believe that US Bank simply wants this low interest loan to " go away '' and this is a tactic to get me to give up. The current hold up is getting my tax transcripts from XXXX. I was told that it may take 5-6 weeks. Tomorrow it will be 7 weeks. I have sent them copies of my tax returns and even copies of the transcripts, but these have been deemed unacceptable. In addition to the inconvenience this has caused me, the seller has moved and has made double payments. She has since stopped paying and now there is potential for the house to go into for closure. Anything that can be done to help this situation is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX contacted US Bank about some charges that should not have occurred by a vendor resulting in fees access by the bank. I explained to the bank that the vendor had been notified and that they were refunding the charges, the customer service rep told me that it takes 48 hours for them to see the refund and when it appears then the bank would remove the fees and that I should see the removal of the fees on XX/XX/XXXX and I didn't need to do anything else. The vendor did in fact refund the account on XX/XX/XXXX as agreed. On XX/XX/XXXX I received a letter from US Bank indicating that the account had been closed for being overdrawn and that I owed {$59.00} to a collection agency. On XXXX XXXX I contacted the XXXX XXXX in XXXX XXXX, XXXX and spoke to teller inquiring about the letter she pulled the account up and saw the refund and transferred me to a manager at this point the manager indicated that this was not their branch 's account and had XXXX from the XXXX branch call me. We discussed the letter and he agreed to waive the collect fees but couldn't reopen the account however, if I wanted to open another account I would need additional money to do so. I contacted the collection agency about the fees and they said just let the bank know that I had talked with recovery and since it was a bank error they should take care of the account. After careful consideration I decided that I shouldn't have to come up with more money to reopen an account and that the XXXX in fees that the bank charged should be used to open another account. I went into the XXXX branch and spoke to the rude manager who again said I needed to talk to XXXX at XXXX because the account didn't belong to that branch and wouldn't you know it right after I left her office who calls but XXXX stating that he over spoke when he said that he could waive the collection fees, something about he sent it in and it can't be done, I did ask for a copy of the request and he claimed that since it was online form that he couldn't send it to me. I tried calling the customer service number and spoke to XXXX said that once an account is close that nothing can be done she stated that 2 letters were sent out to me but I never got them because I would have responded. I asked for management but she put me on hold and eventually hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My name is XXXX XXXX and I have a US bank checking account. My Dad, XXXX XXXX, used to have a US Bank checking account and when registered he used my mobile phone number, XXXX, to register his online banking, since he has been sharing my phone that time, but since last month, when I log in to my US bank mobile banking, it keeps pops up that the mobile number is been used by someone else ( which is my Dad I think ). My dad has already canceled the US bank checking account, but the issue for me to log in to the US bank mobile app still exists and still keeps saying my mobile number is used by someone else which prevents me from logging in to the mobile app. I called US bank support several times but the issue has not been fixed. Please help me fix this error and thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A