Date Received: 2022-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear CFPB : We are currently in the process of selling our home at XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXXXXXX. The mortgage was originally held by XXXX XXXX, but was later acquired by US Bank XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX. We obtained our mortgage through US Bank in XXXX of XXXX for a total of XXXX XXXXXXXX, with a {$7500.00} down payment assistance loan from XXXX XXXX, Florida. We paid our mortgage- with a couple of hiccups in XXXX due to XXXX - up until the XXXX crisis struck. In XXXX, we had paid the mortgage down to a balance of {$53000.00}, but, due to the XXXX assistance mortgage payment moratorium we also rewrote the mortgage to the tune of {$8600.00}. Now, please explain to me how a SINGLE YEAR of " ASSISTANCE '' could possibly equate to HALF of what we paid in mortgage and interest fees over the course of XXXX XXXX So now that we are selling our home, the full payoff amount equates to {$69000.00}!!! This EFFECTIVELY means that over the course of the XXXX years that we've spent in our home, we have paid a WHOPPING {$89.00} towards the ownership of our home!!! Who in what office has lobbied and written this type of legislation? This is exactly why the American people remain financially imprisoned and why the top XXXX XXXX continue to accumulate wealth on a DISGUSTINGLY IMBALANCED scale. Had we known that the COVID " Assistance '' was going to reset our mortgage COMPLETELY - minus {$89.00} - I would have just gone to work, even though XXXX XXXX XXXX XXXX XXXX XXXX Oh, wait, that would have been inconsiderate, because I could possibly have contributed to the illnesses and deaths of so many other people. So that's not right. BUT what your legislation allows banks to do is the preferred solution? TO ROB PEOPLE and keep them in perpetual financial servitude is YOUR ANSWER? This is not acceptable, and it certainly isn't right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am a victim of identity theft and someone has used my identity to obtain goods using my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Visa credit card from U S Bank stated that I would get {$500.00} cash bonus reward if I spent at least {$2000.00} in the first 120 days of opening the account. I have purchased collectibles from XXXX. I have not received the bonus. When I called the U S Bank, I was told that purchase from XXXX is not eligible for cash bonus. The card member agreement says cash advances, balance transfers and convenience checks are nor eligible for bonus rewards. U. S. Bank nowhere mentions that purchases from XXXX are not eligible for bonus rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: We were on the process of buying a new home. The construction company XXXX XXXX XXXX XXXX sent our title agency company name on docusign and determined the closing date about two months ago. Two days later we received an email from the title agency which was a spoofed email that we were not aware of. That same email was sent to our realtor too. The spoofed email asked us to wire the deposit money early. This spoofed email knew the exact amount ( around {$180.00} ) with the pennies which matched the exact amount our loan officer had sent us by docusign. Since all the information was right, we didn't suspect. Therefore we did what we were told and wired the money to the given account number.Before the transaction, we called and informed our loan officer and our realtor for confirmation. The loan officer confirmed the number and then we called our bank ( XXXX XXXX ). We asked if the attached escrow account # belonged to the title company. The title company name on the escrow account was exactly the same. After that confirmation with our bank, we wired the money. On the other hand, XXXX XXXX changed the closing date three times. At the closing date we went to the title agency. We found out that we had wired the money to a dfferent account. We filed a wire fraud file with XXXX XXXX. The money was wired to US Bank in XXXX Arizona instead of XXXX XXXX account. We contacted XXXX XXXX XXXX department and they asked the US bank to give them info about that fraud acount and the money wired. They didn't feel any obligation to respond. We had consultation from two lawyers. We contacted local police department. They all pointed to XXXX. Then we filed XXXX form ( wire fraud form ) on XXXX website and submitted it. We didn't receive any confirmation # from XXXX. When noone got back to us we made a call to FBI.We were told there wasn't a way to track our file. Unfortunately that wasn't any help at all. It's been two months that noone contacted us. We are left all alone. We could not buy a new home. We are now renting. We want to get our money back but don't know how to do it. There must be something that someone can do about it. Our loss is very big and changed our lives. We are seeking for your help. Please help us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2022. I contacted US bank today and spoke to XXXX who states that they did not receive the payment and can not provide any further information. I want to escalate this matter as the end of the month approaches and I do not want any late payments reported to the credit bureaus. i would like for Us bank to research further to find the payment. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XX/XX/2021, I received notice from US Bank, they would be raising my rate from 8.99 % to 13 % only on any new purchases. I called them as allways pay early more than the mininmum, often in full. They said my credit score dropped. I had sold my home to buy property and build a new home & business, currently renting, and was a ex XXXX customer, just received notice of possible id theft. I advised this is not correct, but will not charge another thing on that card remove monthly autopays ect. which I did except 1 annual auto pay. I have not charged one thing on that card since only paying off the balance. over the last 2 months US bank has been raising the interest rate on the old existing charges last bill they charged was 11.24 % this month 12.74 %. I called them spoke with the credit department adised this is theft. a small amount perdium, per numerous customers is XXXX of XXXX. a Superviosor XXXX came on I demanded to know why a customer with a XXXX XXXX XXXX never late is being treated like a credit XXXX per their actions was telling her about the notice last XXXX, XXXX said do you want to know why or just keep carrying on. I said why she said It's the law when the fed goes up we have to increase our interest rates. I asked then why has XXXX XXXX XXXX never done that to me if that is the law. XXXX advised I don't know, I don't work for XXXX XXXX XXXX. This company has been nothing but a problem, when I moved and called gave them the address change, the sent one bill then nothing. I used my old statement to pay 1 week in advance. Called about my statement some how the name of XXXX XXXX was changed in their system, I had to go back over and correct that with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81005
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: In XX/XX/2022, I was attempting to get a 12 month promotional offer. There were 3 choices 1. 3 % for 12 months rate 2. 4 % for 18 months rate 3. 3 % standard rate I choice # 1 or 3 % with a transfer fee of {$450.00}, which is about $ 168 monthly payments However, US Bank changed my promotional offer to the worst, which was # 3 and charged me 3 times ... {$450.00}, {$75.00} and {$280.00} My credit score was dropped XXXX points to XXXX I called US Bank on XX/XX/2022 and was told a supervisor would me in 24 hours to explain the problem. Never happened Even if I agreed to # 3, why was my credit score dropped so much? Other credit cards show a score in the 700s
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent a XXXX payment to someone who scammed me. Website is XXXX : XXXX Phone # for the criminal who scammed me is XXXX and says his name is " XXXX XXXX '' XXXX Email he used to communicate me on was XXXX Email I sent the XXXX payment of {$750.00} to on XX/XX/22 at XXXX was XXXX I called US Bank XXXX XX/XX/22 at around XXXX to report this and wanted to see if I could get the charges reversed and they basically told me it was not their problem and they can't help. Which blows me away that in this time that an electronic transaction can not be traced and these criminals can not be brought to justice? Anyway the bank won't refund the money and I filed a XXXX scam report with XXXX, a local theft report with my police department, and planning on filing an internet crime with the FBI form. I also received an email from XXXX Bank this morning saying that " XXXX '' has changed his XXXX payment address and that I could no longer send him payment to that email if I wanted to. On a side note, once I had more time I researched other XXXX XXXX XXXX XXXX and they all look just like this guys- my thought is that this scam may be further reaching than just this one guy. Also I had no idea that XXXX was not something we could get refunded with - I know XXXX that it is possible as well as CC 's so I just assumed XXXX would do the same but the bank pretty much told me it was not their problem and gave me no instructions on where to go so I had to start googling things which is how I found this CFPB site as well as the XXXX scam site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: U.S Bank is refusing to give me my money back even though XXXX admitted that there are unauthorized charges on my account. I am blocked and can not access my own XXXX account because of the unauthorized charges totaling {$13000.00}. They have also used the excuse that I should have reported the fraud within 60 days, otherwise, they could have helped me, but they did provide me {$5300.00} in credits from XXXX, even though those fraudulent charges happened way longer than 60 days ago as well so their excuses are not valid. I no longer feel safe banking with them and if I do not get my money back, I will be switching banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/2022. Someone use my identity to opened a US Bank account online. He or she deposited my tax return check from the IRS for about {$16000.00}. Once the account was opened, he or she would change the address to his or her apartment which was somewhere in the state of California. US Bank representative can be contacted at XXXX. My ID theft claim number for the case is XXXX. If you could please send me a reference number for this so that I may send the IRS a statement for get my refund back. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A