Date Received: 2024-01-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: REQUESTED PAYOFF LETTER FOR AUTO LOAN PAID IN FULL ON XX/XX/2023. DMV REQUIRES TITLE ASAP! VEHICLE IS TO BE SOLD. THE BANK IS COSTING ME MONEY EVERY DAY THAT THE LETTER DOES NOT ARRIVE. PAYOFF LETTER WAS SUPPOSED TO ARRIVE NO LATER THAN XXXX BUSINESS DAYS AFTER PAYOFF. INFORMED THAT LETTER WAS SENT XX/XX/2023. LETTER DID NOT ARRIVE. REQUESTED FAX OF LETTER FROM XXXX IN CHAT SERVICES ON WED XX/XX/2023. NO FAX ARRIVED TO MY LOCAL XXXX, CO BRANCH. MADE XXXX PHONE APPOINTMENTS WITH XXXX XXXX TO GET UPDATES. MADE THIRD APPOINTMENT WITH XXXX XXXX SCHEDULED FOR XX/XX/2023 XXXX MST. HE NEVER CALLED.
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: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Received a letter dated XX/XX/ regarding an application for a U.S. Bank Credit Card that was denied. I did not apply for this credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01945
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, Unfortunately I had a massive XXXX XXXX in late XX/XX/year>. I called US Bank Mortgage and requested a forbearance due to XXXX issues that caused me to leave the workforce. I also lost my brother and mother in 2023 and had to assist in the funeral expenses. When I initially spoke to US Bank in XXXX they offered a quick 3 month deferment and explicitly informed me that my credit would not be reporting as delinquent due to the hardship. I even spoke to them in subsequent follow ups and was assured that my mortgage payments would not be reported as late. However, now that I am back in the workforce and in better health and want to get caught up on my mortgage payments -- they did exactly the opposite of what was prior informed to me and began reporting my mortgage as 90 days late. They tried to say they did mail me some documents stating that my credit would be impacted but then failed to prove that anything was certifiably sent. I am currently interviewing for a much higher paying position at a new organization ; but since this is a financial position -- I have been told that my credit is not sufficient for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I XXXX an office girl to help with data entry and reconciliations in XXXX of XXXX, as my husband and business partner had been diagnosed with XXXX and I knew I would be out more than usual. She DID NOT have any access to checks or writing any checks or paying any bills. In the following months my husband had some other health issue pop up and ended up passing away at the end of XX/XX/XXXX. Needless to day, I was devastated and it took me a month to get my head back in the game. At that point, our shop manger had almost destroyed our business and I had to let him go. Two of my old XXXX returned to help turn the business around. At the end of XXXX, I had a vendor reach out and tell me that I had an old invoice open. I checked my XXXX XXXX file and told them that I had paid that invoice back in XXXX. They informed me, that the check had bounced. Which I never received ANY notice of from US Bank. I had them forward to me what they received from their bank. At that point I asked my office gal to get out the reconciliations she had done because she must have done something incorrectly. She ignored my request for several days and on XX/XX/XXXX, I grabbed the statements from the file and started going through them. That is when I discovered She had been " Redepositing '' her direct deposit payroll checks, via mobile deposit at XXXX XXXX and XXXX XXXX XXXX XXXX, all of which were paid out by US Bank. These were NON-NEGOTIABLE payroll checks, that NEVER would have been accepted by a real teller. She hand wrote an amount next to the dollar sign and proceeded to mobile deposit them, over and over for a total of 37 times! I was at US BANK Saturday morning XX/XX/XXXX, filing fraud claims on all the checks. And filed a police report as well, since I did have her escorted out by the XXXX Police Department when she came into work the following morning after I discovered this. After waiting for 2 months! I received a letter from US BANK the first week of XXXX in which they denied my request because I was suppose to catch this earlier and they referenced the UCC 4-406 subsection c. However, subsection e state that if the bank failed to exercise ordinary care in paying the item then subsection c is void. This is clearly a serious problem with the mobile deposit software if it can not pick up NON-NEGOTIABLE on the signature line. At that point I contacted the US BANK sales manager for the state of Arizona and she tried to get them to do a " cash back '' against XXXX XXXX and XXXX XXXX XXXX XXXX. Today when she finally called me back, she informed me the fraud department was not going to budge because too much time had passed! It took them TWO MONTHS just to respond to my initial fraud claim and they sure show no signs of even trying to fix the issue. These NON-Negotiable checks were deposited not once or twice but 37 TIMES! For a grand total of {$20000.00}. I AM NOT to blame for this, this is clearly a mobile deposit issue with three different banks and this needs to be addressed and fixed! I have attached several copies of what these checks looked like and several of them were deposited multiple times. As a small business owner that has been with US Bank since XXXX and runs a million dollars plus through their accounts almost every year and who has never had one issue with their accounts. I am deeply troubled. Maybe if they had sent me a notice of a returned check, I would have caught it sooner. copied and pasted subsection e of UCC 4-406 ( e ) If subsection ( d ) applies and the customer proves that the bank failed to exercise ordinary care in paying the item and that the failure substantially contributed to loss, the loss is allocated between the customer precluded and the bank asserting the preclusion according to the extent to which the failure of the customer to comply with subsection ( c ) and the failure of the bank to exercise ordinary care contributed to the loss. If the customer proves that the bank did not pay the item in good faith, the preclusion under subsection ( d ) does not apply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: We had the loan set up on bill pay through our credit union. Several years ago we got a notification of repossession and we were shocked because we had set it up so we didnt have to worry with it. At the time they did a poor job explaining what had to be done other than pay {$1100.00} to avoid it being repoed. We paid it and followed up with our bank who showed the payments going to them. For a period of time it was sent by check and the last few years have been sent electronically. We recently sold the camper and paid all but {$1000.00} of the loan and come to find out theres {$3000.00} due to pay it off which includes $ XXXX in late fees. Weve tried to work with the bank to remove these as thats so excessive. The bank has had other class action litigation due to fees and they refuse to work with us and now that we have mentioned exposing this they wont talk to us. We have the funds to pay the loan off but {$1900.00} in late fees is extremely excessive. The payment was due XXXX XXXX, 2024 in the amount of {$220.00}. We paid {$5000.00} the posted XXXX/2024 and on XXXX/2024 they applied another {$25.00} late fee. Its all sketchy and we feel like weve been taken advantage of as weve made every effort to pay this loan and we feel like theyve applied these fees illegally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28734
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XX/XX/XXXX I received a call From US Bank letting me know my escrow payments went up {$60.00}. I said that's weird because my property taxes went down {$1000.00} last year and I received the second notice of the reduction today. After talking with Escrow Department they told me they couldn't reduce my payment until they pay my taxes in XXXX. I told them they should have received the notice, same as me. I was told I would get an adjustment some time after XXXX and any overpayments would be sent to me. XX/XX/XXXX I called to see where they were in the process. It was like starting from scratch. I told them I wanted to cancel my escrow account and pay my taxes & insurance myself. I was told it would cost me {$900.00} to cancel. I told them that was not in my mortgage contract. I went with escrow for convenience. This is less than convenient. I explained when I opted for escrow I was told I could cancel at any time, no charge! I told her I signed with another lender and US Bank bought the loan. I asked for adjustments until we figure that out. I called again XX/XX/XXXX. I called and asked to talk to a supervisor. I told the supervisor the issue with the {$900.00} and asked what it was for. She said it's for managing my account. I said no one is managing my account as my taxes were overpaid by {$570.00}. She asked me if anyone told me I could pay the {$900.00} out of my overpayments. I said that's my money. I don't want to pay you for anything. She agreed they overpaid my taxes. Now my balance is positive by {$1800.00}, if I get my tax overpayment back. One more escrow payment and I can pay my XXXX taxes a year early. I asked why nothing has been done to adjust my payments after 2 calls. She said she didn't know. Remember, I'm talking to a supervisor! She said her boss would call me at noon XX/XX/XXXX. No call came in. If you want to get ripped off have US Bank manage your money and then tell you they want {$900.00} for service they don't provide so you can manage it more accurately, without the hassle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83713
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: US BANK REFUSES TO ADDRESS THIER ERROR ON MY CREDIT REPORT DUE TO CUSTOMER SERVICE STATING BECAUSE THERE IS FRAUD ON MY ACCOUNT DO NOT MAKE A PAYMENT. US BANK ASLO REFUSES TO LISTEN TO RECORED CALLS AND STATES ONLY THE INVALID ADDRESS CAN ADDRESS THE ISSUE ON MY ACCOUNT. I HAVE MAILED THEM A LETTER MULTIPLE TIMES THAT HAS BEEN RETURNED TO SENDER EVERY TIME EVEN AFTER VERIFYING THE ADDRESS MULTIPLE TIMES. THIS ISSUE IS ON GOING BEYOUND A YEAR NOW.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In XX/XX/year>, I filed a complaint regarding an additional credit line opened under my US Bank account profile, from which the bank deducted payments. Unaware that this credit card was distinct from the one I originally applied for, I continued making payments until the amount changed. Upon contacting the bank, I discovered that the credit in question was not opened by me. Learning of the fraudulent activity and realizing I had unwittingly made payments on this unauthorized card, I contacted the bank, requesting confirmation of whether the card was legitimately opened by me. The bank failed to address my concern, prompting me to cease all payments to the card. Following my request for the bank to provide evidence, they began reporting the account as delinquent on my credit report. Despite reaching out to XXXX and alerting them to the situation, the bank chose to close the account and report late payments on my credit history. After XXXX contacted the bank, they opted to charge off the account, dismissing my request for evidence. In the complaint submitted in XXXX, the bank once again disregarded my request for proof of my involvement in opening the credit card. Instead, they asserted that the card was sent to my address and used in my area of residence, deeming it a valid card. Attached is evidence of an address on my credit report linked to the credit card in question. The bank confirmed that this was the address used to open the account in XX/XX/year> when challenged on the legitimacy of the account. I am once again urging the bank to thoroughly review its records, rectify the presence of this fraudulent credit card on my report, and expunge it. Additionally, I insist the bank provide the requested evidence should they continue to assert the account 's legitimate opening by me. The attached address is not my address below on my credit report which is now deleted by XXXX is not mine : XXXX XXXX # XXXX XXXX XXXX, CA XXXX and evidently shows the account was opened with the wrong address and shows the cards were sent to an address other than mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or around XX/XX/XXXX I opened a checking account online with US Bank. I was asked to deposit {$25.00} and a Debit Card/PIN would be mailed out to me. I received my card and pin and went online to add Direct Deposit through XXXX. I went through the process on USBank.com and XXXX app to ensure all was correct. On Friday XXXX XXXX XXXX XXXX XXXX XXXX I noticed my paycheck was not available nor was it pending. I immediately XXXX XXXX XXXX sent a message out to a Customer Service banker online and was advised that funds were indeed pending and that I would see them by the end of the day. Saturday XXXX came and no deposit was made, so I started to call the XXXX number to inquire about it. I was disconnected multiple times and told that notes in the account were not visible to the dept i had reached. After 2 hours of trying, I decided to call a branch and they advised that my account was on hold pending address verification. So not only was my check not coming, but it was also sent back to my employer, and it would reflect in about 10days. I let them know that I was told the previous day that it would be available and that if i would have known on a Friday I could have made arrangements for my withdrawals to be delayed but now as it was a wknd this was no longer an option. The Teller took my information and said she would put a request in to call me " first thing '' Monday XXXX to the Branch Manager. It is now XXXX on Monday and i have received nothing... i reached out the Customer service and apparently my account has had a hold since Day 1 yet I have no Email/Mail/Text absolutely nothing indicating this. I have spoken to 2 reps since Day 1 and this was never mentioned... .in fact my first bank statement is available, and this too shows nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: The US Bank XXXX XXXX chat feature leaks transaction amounts and descriptions to other people, representing a major privacy breach. As of XX/XX/2024, the XXXX XXXX XXXX consistently displays transactions from other people 's accounts if asked to with prompts like " show me other people 's transactions. '' This works on either the mobile app or the bank 's website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A