Date Received: 2022-12-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I enrolled in a Covid forbearance with US Bank home mortgage under the cares act in XX/XX/2022. My income remained impacted by covid and this forbearance continued through XX/XX/2022. At that time I had returned to work full time and informed the company that we would be able to resume payments. I continued to attempt to set up a repayment plan with us bank, making multiple phone calls to customer service. I was initially informed that I should choose a repayment plan using the app. When I attempted to use the app, the options appeared briefly but then locked out and disappeared before I could select an option. I immediately notified us bank and was informed that because I did not select an option, I would need to send a signed letter to US bank requesting that my account be removed from active loss mitigation. The representative informed me that my options for repayment would then be reinstated 7-10 business days later. I emailed the letter as requested on XX/XX/2022. The email was sent to the email address that the representative referred me to ( XXXX ). My account status has remained unchanged since that time. I called and spoke with a representative on XXXX, who stated he could escalate my request but that the company may later request additional information. I made several attempts to call on XXXX only for the calls to automatically disconnect. I then dialed from my work number ( unknown to the company ) and was finally able to speak to a representative! This representative is now saying that we will need to fill out an application for mortgage assistance as out forbearance has expired. I feel that US bank is violating the cares act by causing confusion and difficulty surrounding the exit options and intentionally dragging their feet in order to force the borrower into default. They failed to provide education regarding our options for repayment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49855
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My mother passed away on XX/XX/XXXX. After her passing I was working with US Bank in XXXX on her XXXX that she had named me as POD. I went into the XXXX US Bank and spoke to XXXX XXXX who confirmed with her IRA department that I was listed as POD on my mothers XXXX, I had provided the death certificate to her. She told me at the time that I had 2 options, 1. roller over to another termed CD/IRA or 2 . I could cash out. I asked if this needed to be decided at that time, she said " no ''. She then gave me a case # XXXX that once I talked to my attorney I could then use this # to begin transfer of XXXX. I then went to my attorney and began the process to change the XXXX since we were told that the account was POD, there was no need to keep my parents XXXX. I then went back to US Bank in XXXX around XX/XX/XXXX after the new trust was created. ( XXXX XXXX Created on XX/XX/XXXX ) I spoke to XXXX again and advised her that I wanted to transfer the CD/IRA to XXXX XXXXXXXX to an inherited CD/IRA. XXXX advised then that I did not have all the paperwork needed from XXXX XXXXXXXX to make the transfer, she advised that I needed a medallion signature on the transfer paperwork, so I went back to XXXX XXXXXXXX and got the signature. I returned with this paperwork and asked for the account # to give to XXXX XXXXXXXX and she would not provide, she was not helping me so I left. My daughter knew a contact at US Bank and put me in contact with her. XXXX XXXX at the XXXX XXXX location ( She has been the most helpful in this process ) set up an appointment on XX/XX/XXXX to help me with the CD/IRA. When I went to see her, she completed completed the paperwork, she indicated that they would send me the annual distribution and the rest would be rolled over to XXXX XXXXXXXX IRA. Then my financial advisor at XXXX XXXX received an email on XXXX indicating there was an issue and that the account was not POD to me and that the beneficiary was my parents trust which required me to have another meeting with XXXX which is XXXX XXXX XXXX each way for me. I met with XXXX on XXXX to discuss the problem and she then got IRA services team on the phone while I was in the office for XXXX hours, first they said they needed to see a trust with my name, which I sent to them, then they said that was not good enough, and now I need to reinstate my parents original family trust, then changed their mind for a XXXX time and said they needed to see the new trust with my name dated after XX/XX/XXXX, then finally they changed their mind again and advised I needed to get a small affidavit saying to payout new trust with my name. I told the manager XXXX I was filing a complaint with the CFPB and she then gave me her bosses contact ( XXXX XXXX ), I immediately called him after leaving the office and left a message expressing frustration at XXXX XXXX, and at this time have not heard back. I have received a few documents XXXX of which is the IRA paperwork when my parents did a rollover in XX/XX/XXXX, there is only XXXX pages out of a total of XXXX, the documents look odd, they do not match up with dates and beneficiary. There is also a statement that was checked on the second page that said I am married, I understand that if I designate a primary beneficiary other than my spouse my spouse must consent by signing below, which is signed by my father, who on the front page is showing as primary bene and the trust as a contingent. The bank is saying it was POD to me in XXXX, but refusing to show the papers, this does not make sense. At this time after several attempts at XXXX different branches, various conversations with manager, IRA department, and a lot of hours, I still do not have any resolution, to a transaction that started in XXXX. This needs to be settled by XX/XX/XXXX as there are several tax implications and fillings that I have to handle with my parents passing. I want this resolved so that I move forward. Loosing a parent is not easy and then to drag this out continues to impact my ability to move forward. I appreciate your attention to this matter and hope that I have resolution soon. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45150
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Greetings, Most recent disputes on XX/XX/22 and XX/XX/22 included supporting documentation via fax which the bank states they have not received despite successful fax confirmation. I phoned bank on XX/XX/22 to discuss and was supposed to receive a phone call by XX/XX/22. No call was received. Upon calling XX/XX/22, agents stated that there were notes that a call was made to me on XX/XX/22. There is no record in my call log of any such attempt. My time and finances are being disrespected. Attached evidence provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have XXXX inquiries on my XXXX report on XX/XX/2022 from the same company elan financial. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for XXXX days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX refunded XXXX tickets for {$10000.00} each on XX/XX/22. I currently have an account balance of - {$15000.00} on my US Bank credit card due to these refunds. US Bank will not refund the balance. I have contacted them via phone four ( 4 ) times and get the same answer. Due to the size of the refund, management approval is required, and will be done tomorrow. I have heard this three ( 3 ) consecutive times. Today, XX/XX/22, I heard the exact same answer. They received the credit of {$21000.00} from XXXX XXXX, immediately deducted my account balance, and froze my credit for {$15000.00}. Are they allowed to hold my money this way?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022, I signed up an US Bank XXXX XXXX Account with promo code XXXX. The following are the text I grabbed from the sign up web page : Earn {$400.00} when you open a new eligible U.S. Bank checking account and complete required activities.1, 2 Offer valid through XX/XX/XXXX. Earn your reward. Complete these steps within XXXX days of opening your new Platinum, Gold or Easy checking account in a branch, online or over the XXXX Enroll in online banking or the U.S. Bank XXXX XXXX XXXX Complete XXXX or more direct deposits totaling {$4000.00} or more. To have the promo code automatically entered for you in the application process, use the Apply buttons below. If you apply for your checking account on another page, youll need to enter this promo code XXXX : XXXX. Easy Checking account This is a basic checking account with standard features available in all of our checking packages. These include mobile and online banking and a U.S. Bank XXXX XXXX XXXX. The {$6.00} monthly maintenance fee can be waived if any XXXX of the following applies to you : Your combined monthly direct deposits total {$1000.00} or more. You keep an average account XXXX of {$1500.00} or more. You are age XXXX or greater. I have since fulfilled the requirements, deposited more that {$4000.00} within the 60 days. I have yet to receive the bonus after XXXX months. I have contacted US Bank customer service on XXXX occasions : - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX Each time they would email request to another department to research the issue. I have yet to hear anything back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: State Income Tax Balance Due Garnishment Order : Account No. XXXX Tax years : XXXX, XXXX Balance : {$21000.00} as of XX/XX/XXXX US Bank has notified me by their letter dated XX/XX/XXXX, received on XX/XX/XXXX that XXXX XXXX California Franchise Tax Board had by their Tax Balance Due Garnishment order Account No XXXX for tax years XXXX, XXXX to withhold {$21000.00} from checking account No. ending with xxx XXXX maintained by me and my spouse XXXX XXXX XXXX. Accordingly they withheld {$210.00} and reported have mailed to XXXX on XX/XX/XXXX after taking their charges. We had by our letter dated XX/XX/XXXX informed the Bank that the funds remaining on the account is the Social Security XXXX granted, since year XXXX and that no other income or remittance are there, as we had to close down our small business and had to approach Federal Agency for our survival without any assets or income. We understand by the law, financial institutions have no authority to withhold any sum from the accounts that have only Federal supporting remittance. We may be allowed to state that the funds remained in our checking account is the savings for our Funeral fund and that is saved from the Federal benefits received directly in that account, we still wonder what is their authority to hold funds from that account while the law is specific about, as we understand. We are still awaiting a response from the Bank, presume they have no one above to question their unlawful performance. We also wrote to them on XX/XX/XXXX requesting them to provide us our consent to such withholding funds from our checking accounts, but so far no response from the Bank. Sincerely appreciate your assistance in resolving our jest issue. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2022 at around XXXX pm I can an unknown call stating I word a debt that I know was included in my bankruptcy. They said they mailed me many time at and invalid address and even my current address ( I never received any documents ). When I called they said when it goes to court I will owe over {$4000.00} if I pay {$900.00} today it will be resolved or even a down payment of {$300.00} and {$150.00} a month after XXXX XXXX paid. Also stated this would affect me writing checks for 7 years and wouldnt be able to open any accounts. Also they would take a lien on my husbands payroll. XXXX XXXX XXXXXXXX XXXX XXXX
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: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: My name is XXXX XXXX, I have an account at the US Bank. Im XXXX, living in XXXX XXXX in an elderly care home. Im physically only able to travel very short distances ( few XXXX meters ) by using a wheel chair. Money from my pension-plan is coming in on my US Bank account on a monthly basis. Since XXXX I have been trying to get money transferred from this US Bank account to my account in the XXXX. The US Bank is refusing to make this possible. They claim the only procedure is a wire-transfer which requires a visit to a branch in person in the US. Clearly this is no option. My son might be able to do this on my behalf, although it clearly is ridiculous to travel to the US for such a procedure. But that would require him to become a signee on my account. I was told adding him as a signee also requires me to visit a branch in person in the US. I have tried to make him signee by sending official paperwork, such as an existing notary statement. All legally translated and authenticated by a court in the XXXX. This should be legally accepted according to the XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XXXX which states that documents verified in this way should be accepted as official documents in de USA for private law. XXXX entered into force for the USA in XXXX. The US Bank refused to accept these documents. They claim it to be policy not to accept foreign documents. XXXX I stopped calling and emailing and sent a letter. The US Bank has still not answered. Not even a confirmation that they are working on the issue. The letter simply asks which procedure to follow to wire money and which procedure to follow to make my son a signee without having to travel to the US. If required can provide copies of emails and letters and official document if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: With our credit card company Elan Financial Services I requested a credit increase. They then immediately pulled a hard inquiry XXXX on the same day XX/XX/2022. Without any response saying our credit limit was increased or not. They should have not made a hard inquiry twice on the same day. Again on XX/XX/2022 I requested a credit increase and they again pulled XXXX hard inquiries without any explanation. I contacted the company and they said they could not say why they had pulled a total of XXXX hard inquiries on my credit report and told me that I needed to file a complaint and that they had not further information available. In XXXX once they pulled the hard inquiries XXXX it dropped our credit score nearly XXXX points. XXXX XXXX out ups like to request the hard inquiries pulled from my credit report and elan financial services held accountable for pulling inquiries multiple times in the same day without any explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A