Date Received: 2022-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a new HomeOwner, my loan was transferred to US Bank after initial loan origination by XXXX XXXX My payment for the first year was {$1700.00}. I'm assuming that all estimates were based on appraisal value of the home + average taxes for homes in the area. I have received a bill for an escrow shortage of {$8100.00} from US BANK to be paid over the next 12 months. Paired with the new amount I have to pay to cover the new charges in 2023, our mortgage is scheduled to go up to $ XXXX. This is UNAFFORDABLE! If I would've know this ( my fault for not doing enough research ) I would've paid a little bit extra every month to ensure the Escrow wasn't short, especially by this substantial amount of money. Even if I pay the full shortage, the mortgage is going to go up to $ XXXX. I have to ask, where did US Bank fail in recognizing this shortage? I don't have the money to pay an additional {$1300.00} a month in mortgage, we barely make it as it is. We are desperate here for help, and we don't know what to do, as my wife stays home to take care of our children, one who has XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: According to letters that I received from U.S Bank, I was supposed to receive {$13000.00} worth of provisional credit from fraudulent charges on my account. In the letter dated XX/XX/XXXX, it says, " Please note, provisional credit totaling {$13000.00} will be provided 10 business days after receipt of your OCC concerns, which was XX/XX/XXXX, if the claims are not complete by that day. '' I did not receive the credit that they themselves said I would and it has been more than 10 days. In a previous letter from XX/XX/XXXX that I received in the mail, it said that they would need the claims in writing which I provided, but they did not give me proper time to submit them in writing seeing as they said they must receive them in writing 10 days after initiating a claim.
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: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX at XXXX I was contacted and told they were verifying my address so I could be sent a file about a lawsuit that was about to be filed against me. I was informed that the name of the company was XXXX XXXX. I contacted XXXX and was told that they are attempting collect on a outstanding debit I had with USBank. I informed them that my account with US bank was closed in XXXX or XXXX. They said I had a negative balance and they had purchased the account to collect and that the account was closed in XXXX. She stated that original balance was over {$800.00} and said it was more with interest and attorney fees would be added if they continued with the lawsuit. I told her I had not received anything in writing notifying me of the debit. She stated that had mailed out a letter 45 days ago. She also stated other addresses I lived at in the past claiming they had sent it there also. One of the addresses belongs to a family member and they did not receive anything either. I have not received anything. I have been at my current address since XXXX and had the same phone number since XXXX. This is the first time I have received anything concerning this. I asked her to send me the information to verify the debit. She stated she could but by the time I get it they would have already have sued me. She said if I am disputing it I will need to do that in court. I asked how can I validate the debit if I can not see what I owe. I said I had an account with USbank that closed in XXXX or XXXX but I do not know if that is what they are saying I owe on because they will not send me anything to show the debit. She stated I had until end of business tomorrow to contact them again and settle. I told her to email me the information on the account, and she said all they could do was email me the settlement offer. She gave my the account number attached to the collection and said I needed to do my research and get back in touch with them tomorrow. I contacted USbank and they informed that my account with them was closed in XXXX and charged off and sold in XXXX to XXXX XXXX XXXX. I asked for something in writing that could show my account was closed in XXXX and sold in XXXX and show what I owe and how I owe it. XXXX XXXX XXXX USbank said she could not because the debit was sold and I would need to contact XXXX XXXX XXXX. I attempted to do that and they are out of business because the owner was charged with fraud from forging documents, bribing bank officials and using misleading information to resell those debits. I am attempting to send a verification request to XXXX XXXX and they will not give me an address to send the request to without identify myself and case number. I can not find XXXX XXXX online and the phone number they gave me does not come up on any searches either. US bank will not give me something showing the account closed because they sold it to a collection agency that closed. I do not know where to go next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
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: Since I wasn't able to setup a account for my Mom. I'm sending this complaint through on my own account I have setup through you. On XXXX XXXX I had my daughter to go into the XXXX XXXX 's XXXX to purchase a hot waterheater. Since due to my XXXX I'm not able to move around these stores. The XXXX 's cashier rung mydaughter 's order up where my credit card was used and the cashier forgot to include delivery for this hot water heater to our house. The order was canceled and resubmitted which then included thedelivery charge. XXXX 's never gave a receipt for this purchase and said they needed both receipts dueto their error on how the cashier rung up the order. A extended warranty was added to the order. Afew days later the hot water heater was delivered to our house. After numerous attempts to retrieve areceipt we're unsuccessful. Still when delivery was made no receipt was given. The hot water heaterfrom XXXX 's only lasted for 2 weeks before it quit working. We tried to have XXXX 's to stand behindtheir faulty hot water heater, which was unsuccessful. We even contacted the manufacturer to try tohave them to stand behind their faulty hot water heater, this too was unsuccessful. I had the warrantyfrom XXXX 's plus the warranty from the manufacturer and neither one stood behind anything. Afterexhausting all these attempts I then went back to my credit card company XXXX US Bank ) to try to get mymoney back since both XXXX 's and the manufacturer breached the warranty of this faulty hot waterheater. I wasn't able to be given the opportunity to provide my proof to US Bank. Instead US Bankengaged into a unfair one-sided investigation which only took XXXX 's dishonest fabricated responseand sided only with XXXX 's XXXX If US Bank would have fairly investigated this claim and allowed me toprovide my proof it would've plainly showed where XXXX 's was in the wrong. Each month after USBank unfairly recharged the amounts back to me. I wrote to them disputing this. I also had this written on each of my payment tickets, along with it being written on my checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX, XXXX I went to the US Bank location in XXXX XXXX XXXX to open a joint account with my mom. I had recently sold a car and had a check from my car company and needed a physical branch bank to deposit my check. I worked with a teller XXXX XXXX and I had told her specifically to open a joint account. The check was under my name and my mom 's. She asked for my information such as my employment, DOB, SSN, all sensitive information. During the whole transaction, she had me doing multiple things ( setting up my online bank and app, etc ). I was irritated because she was very forceful even after I voiced my opinion that I can set up the online banking from home. At one point she had told me that I was pre-approve for a credit card with US Bank. I specifically told her No, I have too many credit cards. My sister who also happens to be there and I were talking to each other about not opening another line of credit because I plan to purchase a home and wanted my credit to be in the best shape possible. After a couple of multi-tasking per XXXX request to set up my account, she had asked me to sign on their e-signature pad. Being so overly distracted by the unnecessary multi-tasking and crisscrossing of communication between the app on my phone and communicating with XXXX to 'make sure my account was running ', I signed for the e-signature pad when asked because I thought this was for joint account, as I HAD ASKED FOR. AT NO GIVEN TIME DID SHE TELL ME THAT I WAS SIGNING FOR A CREDIT CARD. I WAS UNAWARE. I HAD GOOD FAITH THAT THE INFORMATION I GAVE AND SIGNATURE I GAVE WAS FOR THE JOINT ACCOUNT, not used for any other services. After all the set-up, she turned to me and told me about their monthly maintenance fee but had great news for me. The great new was I was approved for a credit card and that my monthly fee is waived because of that. I asked her when I signed up for it because I did not sign up for it, and did not give her permission. She kept pushing the paperwork to me and onward saying she had told me. I realized that while I was busy trying to set up what XXXX wanted, she took this as an advantage of taking my personal information and signing me up for a credit card that SHE WANTED, and asked me to sign for it. I am unsure if she signed up my mother for a credit card as well but will be checking on her credit report as well. When I told her to fix it, she pushed the paperwork into me and told me that I can cancel the card next month since I dont want it. I was furious and asked for the manager. She explained that she and I miscommunicated. I don't understand how me declining the offer is a form of miscommunication, and why XXXX pursued the application. The manager was unprofessional and tried to deescalate, but I told him that at this point my credit has been hit hard, and that in my opinion, my information was stolen and fraudulently used without my consent. Yes, I consented to opening a joint account, but I did not consent my information to be used for other services. The manager initially offered me to cancel it on my own but had I not been educate on how credit reporting works, he would have also taken advantage of the situation. He gave me a second option to help me report it. He eventually filed for a credit report revert through US BANK and the letter I got back was that my report was not a soft inquiry instead of a hard inquiry. This should not even be an inquiry at all. At no point was this my FAULT and my information being exploited for their business gain is UNETHICAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55410
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I did a 0 % balance transfer on a Community Bank credit card in XX/XX/XXXX. The zero interest was supposed to be for 24 months-or until XX/XX/XXXX. I continue to make a few monthly purchases with this card and notice I have been charged interest over the last few months. My last statement I had purchaes in the amount of {$850.00} and I made a payment in the amount of {$1500.00} but was still assessed an interest fee of {$10.00}. I am paying almost double the amount of the purchases each month but still being assessed an interest fee. I called the company today and was told that even though I am paying over, the overage is going to my zero percent balance transfer, and I am being charged interest on my purchases. This is very misleading. I feel that this is an unfair and deceptive practice. Any reasonable person would assume if she is paying more than the purchase amount, she would not be charged interest on the purchases. I was told by the representative today that I would be better off not using the card for purchases. She told me to refer back to my balance transfer agreement ( which is in very fine print ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I opened an account with US Bank based on marketing solicitation promising a {$400.00} account opening bonus. Because I was an authorized credit card holder, the US Bank online system would not allow me to register for online access and setting up direct deposit as the marketing offer required. I spent several hours over many weeks attempting to fix this with US Bank online support personnel. Only after I tried registering online access for a credit card I received as an authorized user, did I gain access to my new checking account online. I asked for consideration since the offer required a certain dollar deposit within 90 days of opening. Instead, US Bank claimed that the marketing solicitation was only good for addressed targets. Since the email was sent to my spouse, they would not recognize the offer and after all that work, refused to pay the {$400.00} promised. I visited the XXXX, WA branch and asked for the account to be closed. Today, I received a letter from US Bank dated XX/XX/2022, that I owe them XXXX. That they closed my account for an overdraft amount and are demanding payment. Further they state they will report this to credit reporting agencies to prevent me from opening other accounts and make my borrowing more costly. I called customer service this afternoon at about XXXX XXXX I spoke with XXXX. She said that the XXXX XXXX did not close the account. XXXX said that the account was closed for a {$0.00} overdraft and the overdraft fee is {$30.00}. I never received prior notice of a {$0.00} balance owing on this account. I did not use the account for any regular banking business because of the technology issues. That they did not alert me about the balance owing and arbitrarily charged me a {$30.00} fee without any notice is unacceptable. In my view, US Bank reneged on its promise of a {$400.00} payment. I ask that US Bank rescind this improper charge of {$30.00} and pay me the {$400.00} it owes me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98502
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am the consumer. I am the natural person who is protected by the US Constitution and State Constitutions. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a resident of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For He is my Creator. XXXX XXXX XXXX No weapon formed against you shall prosper, and every tongue which rises against you in judgment, You shall condemn. This is the heritage of the servants of the XXXX, and their righteousness is from me says the XXXX. This complaint is against US BANK, XXXX XXXX XXXXXXXX, XXXX, XXXX by me, XXXX : XXXX Date of Live Birth is XXXX XXXX XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. US Bank and XXXX XXXX are making adjustments to unlawfully created accounts in our name. US BANK and XXXX XXXX have made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my husband. US Bank did not disclose these recent flags or changes to the accounts to us nor did they have our consent to report to ANY consumer reporting agency or make adjustments to any accounts in our name. US BANK and XXXX XXXX have unlawfully used our identification information to commit fraud violating 18 USC 1028 and 18 USC 1028A and15 USC 1681b ( 2 ) 15 USC 1365. 15 USC 1693l. 18 USC 1341, 1342,1343, 1345,1346, 1348, 1349, 1350, 1351. 26 USC 1031, 15 USC 1693h, 15 USC6821, 18 USC 2332b. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in attempt to defraud the United States and Internal Revenue Service as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The deed was sold to Open Door to avoid the continuous harassments and abuse from US BANK and XXXX XXXX. The threats, harassments and abuse caused us personal injury to ourselves, our children and our personal property. US BANK and XXXX XXXX listed us as tenants in their unlawful/Illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both US BANK and XXXX XXXX They deceived us but the proof is in the sale. The documents we retained to sell our home required signatures of the OWNERS, Myself and XXXX XXXX. The consumer reporting agencies failed to verify accuracy of the provided information before the adverse affect of lowering our credit score XXXX points both times. XXXX and XX/XX/XXXX. US BANK XXXX XXXX XXXX XXXX XXXX are guilty of frauds and swindles, Identity theft, Aggravated identity theft, Failure to protect customer information of financial institutions and so much more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: While in XXXX on vacation and my card was fraudulently charged XXXX on XX/XX/2022. I did not catch the charge on the first bill, but when I did see the fraud, I called US Bank immediately to report it. US bank put a temporary credit on my account, but for some reason removed the credit and are now trying to make me responsible for the fraudulent charge. XXXX things I have a problem with. Number 1, US Bank isn't working with me to resolve the fraud and Number 2, I cant believe US Bank wouldn't flag a charge in this amount in a foreign country. US Bank is not working with me and they continue to harass me for the payment, but will not research the fraud charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am the consumer. I am the natural person who is protected by the XXXX XXXX and XXXX XXXX. I am not an entity the State created, I AM THE BENEFICIARY to such trust. I am not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This complaint is against XXXX BANK by me, XXXX XXXX XXXX. Date of XXXX XXXX is XX/XX/XXXX. US BANK has flagged a closed account in our name. We sold our house in XX/XX/XXXX. US Bank is alleging we voluntarily foreclosed on our home. They are making adjustments to unlawfully created accounts in our name. They have recently made reports to consumer reporting agencies without our consent to do so, which caused adverse actions to both me and my wife. US Bank did not disclose this to us nor did they have our consent to report to any consumer reporting agency or make adjustments to any accounts in our name. They have unlawfully used our identification information to commit fraud violating XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. They made reports on XX/XX/XXXX for the same reasons as this which caused the same adverse actions then too. This material misrepresentation is in an attempt to defraud the United States and XXXX XXXX XXXX as well as myself and my husband XXXX XXXX. In my most recent update from XXXX, my notifications showed US BANK flagged my account as bank adjustment/deed in lieu/Bank Liquidation. The Deed was sold to Open Door to avoid the continuous threats, abuse, and harassment from US Bank and XXXX Mortgage. The threats, harassment and abuse caused us personal injury not only to ourselves but also to our family and private personal property. US Bank and XXXX Mortgage listed us as tenants in their unlawful, illegal contracts. We were not tenants nor did they have any lawful or legal right to possession of our private property. We owned our home. We extended credit to both XXXX Mortgage and US Bank. They deceived us but the proof is in the sale. The documents we retained from the sale of our home required signatures of the OWNERS of the home, which were myself and my wife XXXX. The consumer reporting agencies failed to verify information before lowering my XXXX XXXX XXXX points both times. XXXX and again in XX/XX/XXXX. US Bank, XXXX Mortgage, XXXX, XXXX, XXXX are guilty of frauds and swindles, Identity theft, Aggravated Identity theft, Failure to protect customer information of financial institutions and so much more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A