Date Received: 2022-09-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I got the offer from US Bank to apply for their US Bank XXXX XXXX XXXX card. But when i applied for it, the application was rejected even when i am have a credit score of XXXX. Why US Bank is sending the offers to customer if the customers will be rejected for those credit card offers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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: I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I overnighted a check vis XXXX tracking # XXXX which paid off the lease in full in the amount of {$28000.00} and received a overpayment refund of $ XXXX shortly after the payoff. I have been waiting on the title since then. I have called US Bank XXXX times in the past month and they continue stating that they have communicated with the XXXX that the loan has been paid off and that they sent the Title on XX/XX/XXXX after many times of stating that it was sent prior to that date. After waiting another week, I called the Utah XXXX and they state that US Bank has not communicated with them that the loan has been paid off and that the title is still in the XXXX 's name. I am trying to sell this vehicle and without the title I am unable to do so. Every day this sits I am losing money as cars are depreciating daily. I really need this title ASAP and this is my last resort.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was approved for the Nebraska Homeowners Assistance Fund ( NHAF ) in XXXX of 2022, and US Bank was notified of this via NHAF the same month. US bank ignored this and proceeded with foreclosing on my home in XXXX of 2022. I received letters from a law firm saying my home was in default and would be auctioned off. I called NHAF and they again confirmed my eligibility and sent US Bank another notification in mid-XXXX of 2022. In XXXX of 2022, I called a HUD-approved counselor who completed a three-way call with me to US Bank. US Bank stated the only way they could stop the foreclosure was for me to apply for a Standalone partial claim, which I did. I spoke with another HUD-approved counselor on the phone after that and was told that I would have to come up with the additional money beyond the {$30000.00} I owed, and NHAF would pay the rest. I stated I had the money and was waiting for the NHAF program to pay the first {$30000.00}. On XXXX NHAF paid the {$30000.00} to US Bank, which I didnt know about until I received notification from NHAF in XXXX. I was not sure when I was supposed to send my share in, because every time I tried to send US Bank money they returned it saying I had to pay everything I owed. I was not notified about any of this until I received a Bank Statement on XX/XX/2022 showing NHAF sent in the {$30000.00} on XX/XX/2022 but US bank didn't distribute the {$30000.00} from XXXX until XX/XX/2022 to my past mortgage payments. The Bank Statement shows that on XX/XX/2022, US Bank returned the {$30000.00} to NHAF and applied a partial claim to my account for {$32000.00}, which is now a separate loan on my account. I called the bank and asked them why they returned the NHAF payment and they said it was because I couldnt have a HAF grant and a partial claim at the same time. I told them I didnt want the partial claim, but they said I had to take it because it was already done. I dont know who this program is supposed to help because anyone who applies for any type of modification also includes a partial claim, so how is anyone going to get the HAF grant? I did everything I was supposed to, and followed what the HUD-approved counselor told me to do, and yet I still didnt get any help. I now owe more on my home than I did eight years ago when I bought it. I would like to appeal this because this was not handled correctly. I was approved, and US bank was notified of my NHAF eligibility before the partial claim was applied for, and the NHAF grant was received before the partial claim started, so this should not be happening. Can you please help me, I am at a complete loss as this is not fair, I did everything I was supposed to, yet I still didnt receive any help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank Home Mortgage reported my account as 120 days late, and it is showing a 0 balance. It shows that I have paid the balance, and lists that the account is closed, but the account status states " Derrogatory '' and still says 120 days late. Prior to selling my home in XXXX, I was put on a mortgage assistance plan which lowered my monthly payments and was supposed to bring my account current ( I believe this happened in XXXX, the home was sold in XXXX ). The reason my account became derogatory was because when I called in XXXX of XXXX, I was told that my account was in good standing. I called again a few days later to double check, and was told the same, however it turned out that one of my payments had been returned. For at least two months I went back and forth with customer service being told that it was in good standing despite having mail stating that I missed a payment. Eventually I spoke with a customer service rep who looked further into the details of my account and found that at this point, multiple payments had been returned, and my home was at risk of foreclosure ( this was in early spring I think ). They would not accept partial payment ( which is what they considered the payment for that current month ), and I was not in a position to pay multiple mortgage payments at once ( I was going through a divorce and on a tight budget that only covered one month 's mortgage payment per month ). I then applied for and was enrolled into a mortgage assistance program and was accepted, which I was told would bring my account to good standing. A few months later I sold the house, which paid off the mortgage in full, back in XXXX. Back then, I had the dates and times of my calls with customer service, but at this point, more than three years later, I don't have those details anymore since all of this should have been resolved when I enrolled in the mortgage assistance program, and certainly it should have been resolved when the mortgage was paid in full at the sale of my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
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: I am disputing charges on my US bank credit card and debit card. I followed the appropriate channels and have even contacted the merchant to try to resolve the dispute with them directly. I am disputing the charges on my card for two reasons : one the services were not fully rendered and secondly for bad service. I provided all the documentation to US Bank to show that they did not perform half of the services in the package and included the email correspondence to show that I have tried working with the merchant to get a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, My name is XXXX XXXX, I have been a customer of US Bank many years with never any late fees. Recently [ XXXX the XXXX I mailed my XXXX payment that was due on the XXXX. US bank claims the payment was late and is charging interest and late fee. The payment was made electronically by my bank, so this is a record they got it on time. Please help me resolve this I feel I am being treated unfair. Warmest regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX, I applied for a checking account from US Bank and it was approved instantly and then I completed an initial deposit of {$25.00}. After that, I received an email that everything is completed. However, one month has passed, I have not received any information from US Bank about my account information such as account number and I have not gotten a debit card, so I can not set up my online account number. Until now, this account is still unavailable. I already spent a lot of time on it, called the customer service but nobody could help me, they transferred me to each other department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a text message that appeared to be from my bank telling me there was a fraudulent charge on my debit card. Upon texting back NO that I did not make that charge, I received a call from the exact same number as the US Bank fraud department number. The lady on the phone said that somebody was trying to steal {$3500.00} from my account through XXXX. She said the person was named XXXX XXXX. The lady had me link my account to XXXX and told me I needed go hurry up and transfer this money. She had me transfer this money to said XXXX in two payments, one of {$2000.00} and one of {$1500.00}. She also requested my debit card number. Shortly after requesting that information she stole {$1200.00} off of my card. Knowing something was weird, I called the bank fraud department number afterwards and was informed that I was scammed. I filed a claim for the stolen money from XXXX as well as the {$1200.00} dollars stolen via XXXX pay from my debit card. The bank was able to reverse the {$1200.00} charge. However, a little over a week later I received a letter in the mail stating that my claims for the {$2000.00} and {$1500.00} XXXX transfers were declined because I initiated these transfers. I only followed through with the transfers because I believed I was speaking to the US Bank fraud department. Immediately after speaking with the real fraud department I filed a police report at my local police station. Last time I spoke with them they were still working on getting information from XXXX as to who this person I transfered this money was and where the money went.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I've purchased the {$500.00} prepaid gift card plus service fee {$5.00} at XXXX on XX/XX/2021. However, I am unable to use this card due to error. I called XXXX ( listed on the prepaid gift card ), they requested me to fax the copies of prepaid gift card front and back, the purchase receipt and my DL, and stated they will call me after 3 business days. I called preaid gift card 3 times, they always telling me that they're investgating and they will get back to me after 3 buiness days. However, I never received the phone call from them. Until I spoken with their supervisor- XXXX XXXX he can not provide the last name ), he stated my card was closed due to the register person under this card is not my name- So Weired!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91754
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The company sent me an invite as a current US Bank customer, to a new branch opening opening at, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. On the mailer I was sent, it offered a free pair of bluetooth headphones if you made an appointment in the branch before the end of the month, XX/XX/XXXX. I had regular banking to take care of such as a deposit, a withdrawal, and questions about opening an additional personal in business credit card. I made an appointment during the first week of open. I showed up for my appointment, spoke to two very friendly and helpful women. However, I was told that they ran out of the promotional item. Customer service, which I did. Customer service said to work with the branch, who directed me back to customer service. So I'm in a loop. I'm frustrated, you indicated I had to the end of the month to make an appointment. I made an appointment during the first week and yet you are still not honoring the promotion. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A