Date Received: 2022-10-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: didn't receive points that were promised in CFPB case XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My spouse passed on XX/XX/2022. There is a will designating me as the sole heir. Also, in Minnesota, the surviving spouse usually will inherit the entire estate. That is also often the case even if there is a will that partially or entirely disinherits the spouse. In Minnesota, the surviving spouse is usually entitled to at least {$50000.00} of the estate. Though I was not listed as an owner on my deceased spouse 's U.S. Bank checking account, I always had full access to that account. Now, however, U.S. Bank is denying me access to the account without disbursing a balance of some $ XXXX that should have been available to me. And that at a time when I have to meet some unusual expenses ... .. My deceased husband even left me a signed check payable to his church to pay for funeral expenses. That check is now worthless. I also had transferred $ XXXX to his account to cover automatic payments to creditors and other expenses, if any. Also those funds are no longer available. Yesterday, XX/XX/XXXX, I discussed the issue with XXXX XXXX XXXX, Client relationship Consultant at U.S.Bankcorp Center- Main Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, XXXX, XXXX, providing her with marriage and death certificates, I.D . 's, bank cards, and the will, to no avail. She simply handed me a XXXX note indicating that the bank required either an " Affidavit of Small Estate '' or " Letters of Testamentary ''. When I asked what those documents consisted of, I was told to see a lawyer. Really? More expense to simply get access to what is rightfully mine? I would like a letter from the bank stating in detail why this is a requirement for a small estate when it is clearly the intent of the State of Minnesota to avoid unnecessary red tape and expense in such cases. I as well would like to have that letter reviewed by Minnesota 's Office of the Attorney General, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX, XXXX. What is particularly galling is that when I pull up the " Affidavit of Small Estate '' template ( 4 pages long .... ) that the legal pages on the internet provide, the very first instruction is to NOT complete the form WHEN THERE IS A WILL. There also is another form, the " Affidavit for Collection of Personal Property '', which has small estates avoid probate when the estate is no greater than $ XXXX But that affidavit can not be processed until at least 30 days after the death of my husband -- far too late to avoid financial distress! I called XXXX XXXX relative to my predicament and obviously, while having the authority to issue demands for what the bank " requires '' in terms of seemingly unnecessary documentation, she does not have the legal background to judge the practicality of her demands. As it is, " Letters of Testamentary '' appear to involve a court judgment following a procedure close to probate, which in and of itself, the state appears to deem a procedure to be avoided in the case of small estates. In my view, all U.S. Bank is attempting to accomplish by demanding anyONE of these documents without any legal basis or understanding is, to put it plainly, CYA -- and that, on my time, on my nickel, and to my detriment ... .. Do please intervene on my behalf and on that of so many others facing the same predicament, especially at a time when everyone is already facing all too many other financial challenges -- while banks reap the benefits of increasing interest rates and profit from charging late fees, overdraw fees, and what-not fees. Truly, the safest place for one to keep their money these days is under one 's mattress! In my case, U.S. Bank, is profiting from an interest-free loan. I would like to see them charged late fees as well as interest at the bank 's overdraw protection rate of 21 %, until I receive their letter of explanation and the funds are disbursed. My sincere thanks for your help. Please do have XXXX XXXXXXXX XXXX office receive a copy of this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had a spend {$250.00} and get {$25.00} by XX/XX/XXXX and spend {$200.00} by XX/XX/XXXX and get {$10.00}. I have not received these bonuses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I was issued a US Bank XXXX payroll card in XXXX of XXXX, I used the card to get paid for about 6 months. I then quit the job. I stopped using the XXXX card. I got another checking account with US Bank and no longer needed the XXXX card. I called in XXXX of XXXX and asked for the card to be cancelled, the CSR assured me it would be cancelled and a Check for my remaining balance sent to my address on file. The account is still visible on my US Bank app and still has a remaining balance. I want the card canceled and my balance refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been having issues with bringing my account current and resuming my mortgage payments with US Bank over the last 7 months : Around XX/XX/XXXX, I was experiencing a job loss and loss of income due to COVID, so I elected to go on a COVID forbearance plan with US Bank that started in XX/XX/XXXX. On Monday, XX/XX/XXXX, I called US Bank to end my forbearance plan and resume my monthly mortgage payments. The US Bank representative informed me of my options and I chose the flex-modification. After choosing that option, the US Bank representative informed me that I was conditionally approved for the 3 month trial and that payments will start on XX/XX/XXXX and that I will be receiving paperwork in the mail with more information. Since then, I have NOT received ANY paperwork about the Flex-modification plan I choose. Instead, I have received several default notices and Intent to Foreclose notifications, which I followed up with several phone calls to US Bank customer relations and loss mitigation representatives and received different information from each representative. Some said I was not in a program, others said I got approved for the program and just wait for the paperwork, others said I was denied for the program and others said I was in 2 different systems, one system says Im approved and the other says denied. Ive tried everything to communicate with US Bank representatives to resolve this matter and start paying my mortgage to no resolve. So, I submitted my first complaint to US Bank on XX/XX/XXXX via email to XXXX When an US Bank representative finally reached back out to me and acknowledged the mistakes made by previous US Bank representatives by giving me misinformation they informed me that they would clear out the system and re-run me for programs. Despite all my efforts to resume my payments I was told I was in active foreclosure and I was sent several foreclosures notices and a letter from the US Bank foreclosure attorney. In fear of foreclosure, I contacted the MD HAF program to help me prevent foreclosure and bring my account current.The MD HAF program escalated my application because I was active foreclosure. When US Bank cleared me out of the system and re-ran me for programs I elected the deferment option. Before I applied for the US Bank deferment program, I informed US Bank representatives that I was actively applying for the MD HAF assistance program to help bring my account current and I asked them if either program will impact each other and I was advised that it would not. I was informed by the US Bank representatives that the only way to stop the foreclosure process was to move forward with the deferment program. The MD HAF program was communicating with US Bank to get information about my foreclosure and the amount needed to bring my account current. The MD HAF program informed me that they sent US Bank a notice to cease all action because I was actively applying for the program. I got approved for MD HAF Funds on XX/XX/XXXX. The HAF funds were dispersed to US bank via electronic payment on XX/XX/XXXX and US Bank received the HAF electronic payment on XX/XX/XXXX. On Friday, XX/XX/XXXX I called US Bank to check the status of my account and I was informed by the US Bank representative that the funds were received and that I would be removed from the deferment program so that the MD HAF Funds can be applied and for me to check back in 3 business days to get a status update. They also informed me not to pay my mortgage until everything in my account was updated. When I called back to check the status, I was told it was still being processed and to call back in a few days. When I called back to check I was told that the MD HAF funds were being sent back to MD HAF program because I no longer qualify for the MD HAF funds because the deferment brought my account current and to email my concerns to the US Bank complaints email. When I checked my account online it shows that the funds from the MD HAF program have been applied but I also see something about a 2nd mortgage. I received a new statement on XX/XX/XXXX where it shows that the MD HAF funds have been applied to cover other fee pd/RCAand my mortgage is due XX/XX/XXXX. Then, I just received a letter in the mail stating that my mortgage is late. When I called to inquire about the notice and the fees, I was told that the MD HAF funds were being held and waiting to be processed or sent back to the state. I have made every effort to work with US Bank to bring my account current and they have given me misinformation and making it a challenge to utilize funds granted to me to assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Had 2 inquiries on credit report from US Bank and Elan Financial Services for a credit card authorization. Disputed both and they have stated that their information is accurate. Never applied for either and individual who did used an address from 25 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received a letter from US Bank stating that due to low activity my checking account was going to be placed in inactive status. This letter has been the only communication I received from this bank for this account in the last 2 years. I called the number provided to find out more information. I found out that the bank has been taking out a maintenance fee of {$24.00} every month since XX/XX/XXXX without my knowing. I have not received any emails from them on the change and I have not received any paper statements. Too date, they have taken out XXXX fees for a total of {$440.00} without XXXX word of communication from them. When I called them, were unwilling to reverse the fees. It is completely unfair that they would take out maintenance fees and not send me any information about it. Again, I have received XXXX communication about this account at all- until this XXXX letter. This is unfair banking practices and unethical. I am asking for a return of the fees taken out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: They deined me for a checking account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 855XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX I received an email from the XXXX XXXX saying that my subscription was expiring and would automatically renew if I didnt cancel. Not wanting it anymore I called the number. They said that my account had already been charged but since it was less than 24 hours they could refund the {$420.00} To do so they had to access my online banking account.I accessed the account at a hospital computer where I work. They created a window that allowed me to enter {$420.00} Cleverly ( on their part ) the number went to {$42000.00} and could not be reversed. In an instant {$42000.00} appeared in my checking account. I really do not know how they were able to add {$42000.00} to my checking account in an instant. To fix things they asked that I wire {$42000.00} minus {$420.00} to them On XXXX XXXX I spoke with the teller at US Bank XXXX XXXX XXXX ) to organize the wire for $ 42000.He said he would do so and that it would go through the following day and that he would let me know when it went through. Turned out the wire went out overnight with no oversight from the bank. Both myself and the teller were surprised by that. How can someone wire so much out of my account like that? Furthermore, I did not receive a text asking me to confirm/ verify the wire which, according to the bank manager, XXXX XXXX XXXX I was supposed to get On Monday XX/XX/XXXX, the balance of {$16000.00} was supposed to go out but fortunately this was picked up by the fraud department. They called me and told me that money from my HELOC had been advanced to my checking account. We immediately stopped that wire. Why did the fraud department pick up fraud on the second wire and not the first? Why wasnt the first one stopped? WHY WAS I NEVER INFORMED THAT MONEY CAN BE WIRED DIRECTLY FROM MY ONLINE BANKING As far as I knew my account was NOT set up to wire directly. ( Another manager XXXX who has been promoted in US bank admitted to XXXX that it was initially not set up like that but that fact is being ignored ) I always had a bank official set up a wire- they can check my history!! They changed that capability without telling me In my lawyers opinion, US Bank should have called me immediately when they noticed a change in pattern ( sending a wire personally )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, I am trying to get the XXXX required minimum distribution for my mother which I am POA before this tax year ends. I have faxed the IRA Distribution form in XXXX and XX/XX/XXXX. Called on XX/XX/XXXX to follow up, and they stated it has not been received. In order to get it processed I have to go to a branch, I visited the branch XX/XX/XXXX and they would not process the request. This has been an on-going problem since XX/XX/XXXX. US Bank will not create a file for me for identification purposes. They will not save the POA documentation on file or my ID, so I have to go through this time-consuming, back and forth with no results process each year. I followed the instructions last year to get this year 's distribution with no success. If US Bank processed the required minimum distribution last year then I do not understand why it can't be done this year by the same POA presenting all the necessary documentation. Thank you for your time!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A