Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My husband and I have been calling since XXXX to get me removed as an authorized user and for US Bank. Each time we've called to get the authorized user removed, they have said that they have taken the steps to remove me so that it can begin to report as me not being an authorized user. After 2-3 weeks or so, we would call back and they would say that the previous representative was not doing it correctly and did not properly solve the problem. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention. Coronavirus Aid, Relief f ull Accommodation was not applied after i was promised.. Elan Financial Service/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I.have a us bank checking and saving account on XX/XX/2002 A deposit was in the amount of XXXX thru the atm located at XXXX XXXX XXXX XXXX. It was held until the XXXX of XXXX. I have not seen those funds and us bank is not giving me a straight answer not in the branches not with the online banking agents. I never get calls back from managers or branch managers. My account also received a transfer of XXXX from a account I that I don't know about. That XXXX was then transferred to my savings account. I had no idea who made these transfers it wasn't me. Yet I am the one who is being held responsible for it. When us bank can clearly see where it came from. 1. I gave multiple accounts with us bank yet they won't divulge any info. 2 I am missing a XXXX deposit 3. I have XXXX in od charges yet I was given a refund or a waiver on my OD CHARGES. I am enclosing a copy of myXXXX bank XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: During our mortgage process with USBank, we received an initial disclosure where it showed our interest rate@ 5.5 % - With no rate lock. Date - XXXX/XXXX/22 We received another disclosure, with a change of circumstance letter that had absolutely no information, where our rate was 5.875 % without having to buy any points and the rate was locked until XXXX/XXXX/22. Date XX/XX/22 We received no information regarding what changed in our circumstance -- but we accepted this change in rate. On XX/XX/22 - We received yet another Change of Circumstance letter, where our rate was now 5.875 % but with us buying points in order to get there. Otherwise, the lender told us it would be 6.5 %. When asked why the rate lock was not being honored -- the Lender simply said " There was a technical glitch '' and that they were unable to honor it. It was a " Freak accident '' and only impacted my mortgage. There was no justification regarding my change of circumstance -- as our home had actually appraised much higher than we paid for it, and my credit score DRASTICALLY improved since their initial check. Asking for more detail, our lender failed to respond, and was incredibly difficult to contact. Evasive. Ultimately, the best they were willing to do was get us to 6.125 %. Arbitrarily. I contacted my attorney and they said that this was something they had seen several times before, where a lender would " Float '' the rates, and hope it would benefit them. Meaning the market rates would drop, and I'd be stuck with 5.875 %. In this case, the rates went up, and they didn't want to eat the difference, and pay for the points themselves. The lease on our current apartment had expired, and we had no choice but to move ahead with the process -- coupled with the fact that the mortgage rates were continuously rising -- this incident is going to cost me tens of thousands of dollars over the term of the loan. The lender was completely in the wrong, admitting so numerous times, but only offering that " Theres nothing we can do ''. Others I have spoke to urged me to contact the CFPB to help make this right -- as it has made the beginning of my homeowning experience incredibly disheartening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08879
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Complaint US BANK SECTION 1 : US BANK claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. I put US BANK on notice. I gave US BANK an OPPORTUNITY TO CURE. I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXXXXXX XXXX XXXX XXXX XXXX aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. US BANK never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). SECTION 2 : US BANK has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. US BANK admit that I am the original creditor and source of the credit being utilized. XXXX. US BANK leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). XXXX. US BANK reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). XXXX. US BANK pay for all fees and fines associated with this matter. XXXX. US BANK pays me {>= $1,000,000} in damages. XXXX. US BANK is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When I received the card, I used it and tried to make a payment on the website. The payments did not go through because there is a defect on the website that causes the account number to change when the ACH tries to go through, so the institution that the funds are requested from denies the request. I saw that there was an issue and called US Bank. After being on hold for over hour I was treated to a snotty support person who tried to convince me that I was doing something wrong. While on the call we WATCHED the account number change from what I had chosen from the drop down to another number. Finally, it looked like we got it to go through. That payment later failed with the same incorrect account number I continued to try to make payments, you can see it in my history. I called again and after being on hold to for over an hour I talked to web support. They told me that yes, there is a defect in the web site that is changing the account number. I was transferred to another agent who confirmed the defect. I asked if I could make a phone payment. This Customer Service Representative ( CSR ) said yes, but I would have to pay {$30.00} to do it. She said that was nuts, and she tried to do a warm hand off to another department where they could reverse the charge, but she did not take the payment from me because she thought it best if the other department took my payment, so they could make sure I wasnt charged. We sat on hold for another hour, then she suggested that I make the call myself, and she gave me the number, saying that it was a 24-hour number. NOPE, not 24 hours. I tried again to call the next day. I was on hold for 2 HOURS. Finally got through, to be put back on hold for an additional hour. I was told that it was fixed, and the payment went though my credit union, but did not post in a timely fashion. I was told that the reason for this was that I was late, so they had to wait for it to clear. I could see that the funds had left my Credit Union, and the CSR could see that the funds were indeed at US Bank. I was told that I could send a screen shot of my Credit Union account to an email address, which I did. I was told that to contest any entries to the bureaus I would have to send a letter in writing. The late fee was reversed ; however, I was still charged interest on an amount that should have been less if the website worked properly. Please consider this a formal request to have anything negative entered on my bureau reports removed immediately. I will pay off the card and be done with US Bank and any affiliates forever. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98685
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My Ex husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is my 3rd time filing a complaint in regards to my credit reporting for my US Bank Mortgage. In my previous complaints, US Bank acknowledge that I was given false information and agreed to suppress XXXX and XX/XX/2022 payments. But they did not address the negative reporting of XX/XX/2022 payment and as this payment was also due to the false information that was given to me, the negative reporting for XX/XX/2022 should be suppressed too. The fact that US Bank continues to drag this on is very concerning. It shows that this company does not care about its consumer and will just say anything to get you off the phone. As to save time I have attached the previous disputes and screenshot of my credit report showing the negative reporting for XXXX. Please remove all negative reporting for XXXX, XXXX, and XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Yesterday I received notice the secured card XXXX XXXX XXXX has with US BANK was garnished. This notice has been refused for cause. If there is a levy, it was incorrectly assessed. It pertains to XXXX and NOT the SSN the account was opened under XXXX. I expect US Bank to correct their error. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've had 3 commercial real estate loans with US Bank since XXXX A couple years ago when I had saved up enough money, I wanted to pay off the XXXX loan. The balance was ~ {$450000.00}. I also asked for a line of credit on the property of {$250000.00}. The property was worth {>= $1,000,000}. Over the last 12 years my loan payments have been taken out of my bank accounts automatically. Never a late or missed payment. Additionally I deposit close to {$30000.00} per month in the bank and have over {$400000.00} in 5 accounts earning practically nothing in interest. My credit history is perfect. I have plenty of credit history and have never been late with a payment in 50 years. I have had no revolving credit debt for 20 years. Only these commercial real estate loans. Even though the money to pay off the loan was in an account at US Bank, they delayed paying of my mortgage FOR MORE THAN 6 MONTHS! They played games with me. They lied to me. They held me XXXX! They required me to provide them with detailed personal financial statements, bank statements, and tax returns. They required rent rolls and business financial statements FOR THE PROPERTIES THAT THEY HAD BEEN RECEIVING {$30000.00} MONTHLY FROM FOR SEVERAL YEARS!! Just to pay off a loan and put a {$250000.00} line of credit on a free and clear property worth {>= $1,000,000} that was depositing {$9000.00} per month in US Bank! After being abused by them for several months it occurred to me that they could have paid down my mortgage to within a XXXX XXXX XXXX immediately, to save me from paying interest on a loan that I was prepared to payoff. A month ago I decided to pay off the other two loans. I have been in contact with a personal banker by email and by telephone and he is playing games with me again. He keeps calling me and pressuring me to give them my personal financial statement and tax returns and rent rolls and business financials because my loans term on XX/XX/XXXX. When I ask tell him I want to pay off my loans or ask him questions about how to do it he ignores me, doesn't reply to my emails or return my phone calls. This is like dealing with a loan shark. I'm flabbergasted that US Bank would employ these types of tactics to gain a few more dollars in loan interest. I have paid them ~ {$250000.00} in interest over the last 10 years on these loans. The only reason I didn't pay them off sooner is that they lied to me about the prepayment penalty when I got the loans. They told me, in writing, that if prevailing interest rates were the same or higher than my loan rate there would be no prepayment penalty. They called it " Breakfunding ''. After 8 years, when I asked about paying off my loans, 10 year interest rates were higher than my loan rate, but when I got the payoff statement they billed me XXXX XXXX XXXX prepayment penalty per property. When I aksed why, they told me that they compare my loan rate to the rate for a loan that is the same length of time as is remaining on my loan. So, they are comparing apples to oranges. They claim they are " forced '' to loan out the money ( after a payoff ) for the length of time that is remaining on my loan that is paid off. So, I had 10 year loans. If I wanted to pay them off after 8 years, my 10 year loan rate was competing against a 2 year loan rate. Either they're lying to me now, or they lied to me about " breakfunding '' when I got the loans. Now, short term rates are higher, so there is no PPP. But US Bank is once again stalling ; preventing me from paying off my loans so they can continue to earn interest on them. There must be some law, some federal regulation against this. I would like to see them prosecuted. It's such a foolish practice, expecially in my case. They couldn't ask for a better client. They have already made so much money from me, and enjoyed my accounts containing $ XXXX for the last 10 years paying me virtually NO interest! I'm really offended. US Bank has been extremely disrespectful and quite possibly guilty of violating consumer protection laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A