Date Received: 2022-12-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a cash advance XXXXXX/XX/XXXX for {$1600.00} + {$88.00} fee. I wanted to set up a XXXX month payment at that time I was told I could do so. When the {$1600.00} was sent to my account, I called member services and asked how do I set up the 3 month payment plan. I was told that I couldnt, only think I could do is make the payment through my current credit account. On XX/XX/XXXX, I made a {$550.00} + {$88.00} for the cash fee. Plus I made an additional {$200.00} on my regular monthly account. In XX/XX/XXXX, I made a {$580.00} interest included and again paid my regular monthly payment {$200.00}. On XX/XX/XXXX, I made the last payment of {$580.00} with interest, again making my regular monthly payment of {$200.00}. The total payment I made for the {$1600.00} cash advance was {$1700.00} with interest. So, Im still receiving a interest charge after paying off the cash advance in XXXX months. I was not told by any representative of US Bank they I would still have a balance and interest because my first payment of {$550.00} + {$88.00} fee, was not applied to the cash advance. I spoke with XXXX for for over an hour on XX/XX/XXXX, She finally had her supervisor, XXXX, come to the phone for him to tell me that my XX/XX/XXXX payment was not applied to the cash advance. It amazes me that they can separate interest fees, but not when you do a cash advance vs your regular credit card. I simply want the extra interest taken off my account. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80239
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had contacted US Bank to cancel one of my credit cards back in XXXX when they posted annual fee for next year, and the representative promised to refund my annual fee of {$95.00}, but it never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Opened an account without my knowledge or consent. Sent me a focus debt card in the mail. Had sent me someone elses money on the debt card. Tried calling to understand the situation for over 2 months they just hang up on me. Was unable to login into my account that they made for me. Very disrespectful customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58504
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report with XXXX and XXXX XXXX XXXX, it has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I have a US Bank Reliacard that was lost and account compromised. I went to the US bank located on XXXX and XXXX XXXX XXXXXXXX, XXXX and advised of the situation. I expected if anything that the card would be shut down or instructions provided how to do so. I also expected to be able to withdraw my funds from the bank with my XXXX XXXX ID. To my utmost dissatisfaction I was advised none of these actions could take place. I was denied my finances which caused me an array of harm and financial damage as I needed my funds and did not want a fraudster to obtain access for unauthorized use. I did receive a card however, I was assured that the XXXX XXXX would call back to discuss resolution and no call to date, has been received. I am mitigating my own risk by contacting the State of Nebraska and advising that I am discontinuing the use and the Reliacard relationship with US Bank as their security protocols are not designed to ultimately protect the people that use their banking products and I also need to find a way to be able to obtain my hostaged funds. I believe that this was an Unfair, Deceptive, and Abusive when especially a situation as this occured about a year earlier and they were able to provide funds and get my card shut down that day. To date this debit is still open, the balance is still obtainable to whoever has this card until I can officially get it shut down. This is in no way how you treat a customer no matter what US Banking product it is. If it looks like a duck, quacks like a duck it is a duck. If it looks like a US bank card, behaves as a bank card and says US Bank then it is indeed a banking product. The only resolution that can be provided is to resecure the card by shutting it down and allow me funds recovery by being able to withdraw my balance from this Institution.
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: 2022-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a letter from US Bank dated XX/XX/XXXX notifying me that my account was debited in the amount of {$3400.00} to reverse an entry to my account in error. No backup documents were included so I contacted the bank for clarification on XX/XX/XXXX. After speaking with XXXX different people, I was finally told that the transaction happened on XX/XX/XXXX and they could not provide further information. That same day, I went in person to a local branch and spoke with a teller who provided me with only a bank statement that did not show any explanation either. I went to the bank again in person on XX/XX/XXXX and requested for documentation to prove that the {$3400.00} was incorrectly deposited into my account ( over 2 years ago ) and they could not provide me with anything. I received a call a few days later and all they could tell me was that the name on the check that was deposited was not mine and they could not give me images of the deposit/transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2022 I submitted my application for mortgage assistance to the Illinois XXXX Assistance XXXX ( " XXXX '' ) ( # XXXX ). At the time of that application I was 2 months behind on my mortgage payments due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also activated the forebearance protection plan offered by my lender, U.S. Bank Home Mortgage ( passim ) during this period. The XXXX staff sent U.S. Bank Home Mortgage a request regarding the statuse of my mortgage loan ( assuming to verify that I was 2 months behind when I filed my application for that assistance ). U.S. Bank Home Mortgage responded to that inquiry by the XXXX staff which stated that I was current on my mortgage payments. As a direct cause and consequence of that response by U.S. Bank Home Mortgage, the XXXX program denied my application for that assistance. I repeatedly called U.S. Bank Home Mortgage and asked them to correct that error of being current on my mortgage payments, but they repeatedly refused to do so. During that application process, I was able to make XXXX of those overdue payments, which still left me XXXX payment overdue ( to date ). See attachments. On XX/XX/2022 I submitted my second application for mortgage assistance to the XXXX program ( # XXXX ). That application is currently pending and, U.S. Bank has responded to a similar inquiry by the XXXX program. I do not know what the U.S. Bank Home Mortgage staff response was to that inquiry. I am still XXXX ( XXXX ) mortgage payment behind to date, and am trying to bring that current. However, my deteriorating health is severely restricting my ability to do so. Additionally, U.S. Bank Home Mortgage keeps threatening me with foreclosure, via multiple letters, emails and phonecalls. See attachments. On XX/XX/2022, I made my regular mothly mortgage payment at my local branch ( # XXXX ). That payment, as well as my XX/XX/2022 payment, included a portion of an escrow shortage of {$78.00} ( which I presume was due to an increase in property insurance or property taxes ), as well as my regular monthly payment. I was nitified of this escrow shortage via an undated letter from U.S. Bank Home Mortgage, instructing me to increase my monthly payment from {$430.00} to {$410.00} beginning on XX/XX/2022. I actually, started this payment increase early on XX/XX/2022 because I had the funds to do so. However, XXXX XXXX through teller at this local branch applied my XX/XX/2022 payment to an escrow account, instead of my loan payment. I subsequently received a phonecall from a U.S. Bank Home Mortgage staff member telling me I am in default on my loan and subject to foreclosure, stating I was 2 months behind and, demanded full payment. That phonecall became heated to XXXX XXXX that I had to hangup. I went to my local branch and asked to speak with a Home Mortgage staff member on Friday ( XX/XX/2022 ), and was told that there was no one there to speak to because they work from home on Friday. I came home and started calling the U.S. Bank Home Mortgage Customer Service number. I kept getting connected to an Customer Service agent who I could not understand because they spoke XXXX XXXXXXXX. I finally reached a Customer Service agent who I could understand and this misapplication of my XX/XX/2022 payment to that escrow account was corrected and applied to my loan. However, the threatening default and foreclosure notifications keep coming to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62959
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened USBank checking account XXXX around XX/XX/2022. USBank requested me to make opening deposit of {$100.00} and I used my XXXX credit card to do it. XXXX charged me {$100.00} on the credit card. However, without my request, USBank made a " XXXX XXXX '' transaction on XX/XX/2022. It caused {$100.00} deduction in the balance of the checking account. Neither of USBank nor XXXX had informed me before I contacted them a month later. USBank said " we received notification that we were unable to receive funding from the account used to process the opening deposit ''. XXXX did not refund the {$100.00} charged to the credit card. I do not understand why USBank can not talk to XXXX and both have my permission to do so. Customer lose money from bank account but bank does nothing - I do not think it is a standard protocol of financial industry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter that I am behind on my payments with the threat of foreclosure in XXXX. I did contact the bank. My mortgage is through US Bank. I have been making payments each time I get paid, every XXXX weeks. I have done this for XXXX years. When I called the bank I was informed that they do not accept partial payments. When I started this I was given that option to pay every XXXX weeks but is was for them to take the pyment from my checking account which i did not want so I set up to make the payment through bill pay at my bank. when I started this I was with XXXX XXXX and I continued with the bank I am with now XXXX XXXX. Every payment made was sent to the escrow acct then after the late fee was added it was applied to the mortgage. I did not look at my statements as I never thought there would be a problem since they made the offer to me.The person I spoke with was supposed to have the payments moved from escrow to the mortgage and the late fees removed. I received a letter XXXX again that I am behind on my payments over XXXX XXXX dollars. After I was told they will not accept a partial payments I made full payments to the bank in XXXX and XXXX. I should have been made aware of this years ago that partial payments are not accepted before this got to this point. I am sure I am not the only one this has happened too. Take payments and don't apply them and then the property can be foreclosed and with the property values double what I paid they would make a bigger profit than if i just continue as is. I have no problem making my payments but i should not be penalized for paying as I did for years and not being told that it was not acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, I called US Bank when someone attempted to log in to my online checking account using my email address. The customer service agent instructed me to change my username and password. I did so. On XX/XX/2022, I tried to use my debit card connected to the checking account and it was declined. I tried to log on to my online account, using the new username and password, and was locked out of the account and could not log in. I called US Bank and they informed me that my account would be closed, and that I would be able to receive the remainder of my funds by visiting the local bank branch. They did not give me a reason for closing the account. They told me it was being handled by the XXXX Department. On XX/XX/2022, I received XXXX notices in the mail from US Bank that they had reversed transactions to my account that were reported to them as unauthorized. The total amount from the reversed transactions is {$2200.00}. I did not report any transactions as unauthorized, and I do not know who reported them as unauthorized. The reversed transactions to my account were dated XX/XX/XXXX thru XX/XX/2022. US Bank was not authorized to reverse these transactions and was not authorized to remove any funds from my account. My account with US Bank is still closed, and I have not been able to receive any of the remaining funds in my account. I have also not been able to log on to my online account to check the balance or status of the account. I have called the local bank branch twice, and they were unable to help me. All they could tell me was that the account closure process was not complete, but could not provide a date when it would conclude. I applied to open another checking account with a different bank and my application was declined by XXXX XXXX XXXX. I've requested a copy of my Consumer Report from XXXX XXXX XXXX at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46123
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A