Date Received: 2022-09-02
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: On XX/XX/2022, I placed an online order with XXXX XXXX which included XXXX items : Bathroom faucet @ {$36.00}, gas range stove @ {$510.00}, ( XXXX ) over the range microwave @ {$210.00}, Refrigerator @ {$960.00}, electric dryer @ {$560.00}, Top load washer @ {$480.00} drop-in kitchen sink @ {$270.00}. The total amount for this order was {$3200.00}. On XX/XX/2022, one item ( drop-in kitchen sink @ {$270.00} ) was canceled and the credit was issued. Therefore the total for my order of now 7 items was {$2900.00}. I placed another online order for the same drop-in sink on XX/XX/2022 after being notified that item was canceled. Even though this item was an online order I opted to pickup item in-store. My card was charged for the {$270.00}. On XX/XX/2022 the bathroom faucet was delivered. On XX/XX/2022 5 items were delivered : refrigerator, stove, washer, dryer and 1 ( one ) microwave. There should have been two microwaves delivered. The delivery driver put a note on the delivery form stating one of the microwaves weren't delivered and that out of the 4 items on that particular delivery form ( the remaining two out of the six items being delivered ( washer and dryer ) were on another delivery form ) only XXXX parts were delivered. The second microwave was not delivered. The delivery person took photos of ALL items that were delivered. I immediately contacted home depot to inform them that I did not receive one of my microwaves via text. They stated they would do an investigation and would have to contact the delivery company to find the item. Several days have went by and I didn't hear from them, so each time I contacted them they would tell me they were waiting for a response from the supervisor of the delivery company. On XX/XX/2022, when i contacted home depot they stated they see the item was not delivered from the pictures and the note the delivery person left and that they would send out a new microwave with a delivery date of XXXX XXXX. They also had to reach out to XXXX ( the manufacturing company of the microwave ) in order to get the item re-delivered. XX/XX/2022 came and NO DELIVERY or even A CONFIRMATION of delivery. By the time XXXX XXXX came around and they again acted as if they didn't know what was going on and acted like they gave me a credit of {$270.00} already. The credit for {$270.00} was for the cancellation of the DROP-IN SINK. The amount of the microwave was for {$210.00}. They never credited me for the microwave that I never received and still keep insisting that they did issue the credit when they didn't. This transaction was on my XXXX card ending in XXXX in which XXXX sided with the company over their long standing customer without even getting any documentation from me to back my claim up. I contacted XXXX on XX/XX/2022 to open this dispute since XXXX XXXX keeps giving me the run around. XXXX has shown numerous occasions how shady they can be. Especially to a customer that has NEVER had to file a dispute on this credit card account since I've been with them. XXXX came up with this decision in a matter of 3 days. Not only have XXXX XXXX has caused me XXXX XXXX, and caused my account balance to reflect an incorrect balance for nearly 2 months now ruining my credit reputation, but XXXX as well. I have not only the delivery receipt stating the microwave wasn't delivered but the original text when dated back from XX/XX/XXXX when the other items were delivered informing home depot that XXXX of my items weren't delivered. AS WELL AS ALL PHONE RECORDINGS FROM ALL CONTACT WITH XXXX XXXXXXXX XXXX XXXX can listen to the call to me on XX/XX/2022 @ XXXX for 47 mins of their customer service representative canceling the microwave re-delivery and them attempting to issue me a credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This complaint is for US Bank Home Mortgage from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is 60-89 days late which is now closed and they will not remove it stating that they have the correct information. We need this removed as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a victim of a XXXX scam. I wanted to purchase a wedding dress from a used wedding dress website for my upcoming wedding. A seller was selling a XXXX XXXX wedding gown named XXXX for {$4500.00} on the website XXXX XXXX ( XXXX ). There was no portal to communicate through the website so I was emailed by the seller. I was requested to pay {$2000.00} via XXXX to a XXXX XXXX. I made the XXXX transfer of {$2000.00} on XX/XX/2022 from my U.S. Bank account. I never received the wedding dress and the seller is unable to be contacted. I have disputed the transfer with U.S. Bank and my dispute was rejected. I never got my money back. All I wanted was to get a wedding dress to get married in and someone took advantage of that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a claim for unauthorized access to my checking account to # XXXX XXXX on XX/XX/2022 after filing the claim I received notice that the funds would be reversed because the merchant claimed that I benefited from the unauthorized access my checking account this is what is stated on the reason for my claim being reversed and I also have documentation record it as to the statement that was made by the adjuster or investigator who handled the claim so in essence what they are saying US Bank is saying is that its OK to steal money from a persons checking account as long as that person appears to have benefited from the funds that were stolen. And that is absolutely ridiculous!! I never authorize the merchant to remove any funds from my account in fact I never gave them access to that card number except for when I made a purchase at the store this transaction was not a purchase from their store it was a mobile phone payment that was never authorized from the beginning the resolution that I am seeking is the return of my {$220.00} that was taken without my permission!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: My husband and I were selling a puppy. We were contacted by a person who said they were interested in purchasing him on XX/XX/XXXX. He was out of state, but was going to use a shipper vet he had used in the past for his daughter to bring him home. He would send us a check via certified mail. When he messaged us to let us know the check was on it's way, he said his financial person had made a mistake and wrote a single check for {$2700.00} and " hoped we would do the right thing. '' We were asking {$1100.00} for the dog ; the rest was for the shipper. We received the check on XX/XX/XXXX and deposited it. The bank cleared it on XX/XX/XXXX. Once it cleared we contacted the buyer and coordinated when the shipper would pick him up. They planned on the next day. The shipper asked to be paid prior to pickup and my husband sent him the {$1600.00} via XXXX on XX/XX/XXXX. On XXXX I saw that the check had been listed as a returned item and we were now negative in that account. I knew immediately what had happened and realized we were scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 524XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: US BANK Issue Account not closed and available balance not mailed to me On XX/XX/2022 spoke to a supervisor XXXX. I instructed XXXX to close my account and send the available balance to my address. On XX/XX/XXXX, I called the bank and discovered the account was not closed and the available balance was not sent. The customer service person I spoke to informed me that the account was not closed and there was no check mailed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Around XXXX XXXX I called US bank because i noticed that 3 of my payments was not applied correctly in XXXX of 2022. My account was paid ahead until XX/XX/2022 and I called US bank to make them aware that my payments in XXXX of 2022 did not apply correctly- all of them went towards principal but then showed I had an interest payment due. I was making XXXX dollar payments every 2 weeks and about XXXX dollars would go to interest and the remaining to my principal balance. I spoke to a representative who advised they can submit a request to reapply those payments so that they apply correctly. I logged on a few days after the request and it showed I had a XXXX dollar payment due for XX/XX/2022. That shouldnt of been correct but I let it be as I had another XXXX payment drafting on XX/XX/XXXX- which would of paid the XXXX and then paid account ahead. I logged on after the XX/XX/XXXX payment and it was showing I was behind a day and owed XXXX dollars. I called back US bank and the first representative stated they would review my account but then transferred me without telling me. I am frustrated as my payments are not being applied correctly and feel as if US bank is stealing my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: I proactively called US Bank to let them know Ive fallen on a financial hardship. Expressed the current payment monthly is just a little high of what I can pay. I shared my whole story and they basically laughed and gave me two choices. Dont pay and go to collections or underpay and get late fees that wont stop until the minimum is met. I tried over and over again to get them tk compromise and they kept telling me they could not help me. Wouldnt even try and find a solution. I dont NOT want to pay. I just cant pay all the min and that isnt good enough. Theyve never helped me when Ive asked. They are causing severe mental and emotional turmoil. I cant afford to sue them for it so thats why Im here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is my second complaint about US Bank Mortgaging. Please refer to my original complaint for a more detailed history of events XXXX. My most recent complaint is about US Banks practices with applying payments to my mortgage, their communication and the fact that they have proven to be negligent with my mortgage account. In XXXX I applied for the XXXX XXXX XXXX XXXX XXXX. I was granted funding on my account to cover me for XXXX, XXXX and XXXX of XXXX by a non profit organization called XXXXXXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HUD Certified Housing Counselor XXXX approved my assistance on XX/XX/2022. XXXX has confirmed that all payments have been made to US Bank and that the payments prior to the XXXX payment have been cashed and notated on the organizations accountings ledger. US Bank claims they have not received payment. I contacted USBank approximately XX/XX/XXXX to find out the status of the payment as I continue to receive calls about the account being past due. I asked that they research the payment As XXXX XXXX confirmed that the payments had been cashed. On XX/XX/2022 XXXX XXXX and I contacted the bank together to get a better understanding as far as why the bank has cashed the checks but has not applied the payments. The Customer service rep contacted a relationship manager in loss mitigation and stated that she sees the account is in system processing status. My account has been in system processing status since XX/XX/2022 and I have not received answers. She then stated that she seen my loan modification was under review and thats where the disconnect on the payment issue was. I explained to the Customer service Rep my loan modification was completed XX/XX/2022. As I have documentation from US Bank showing. I stated that I was told by multiple agents that no payment from XXXX XXXX were to be made on the account as various payments were made to the account in the month of XXXX. The XXXX statement that I received from USbank reflected that the next payment due was in XXXX in the amount of XXXX. This is when XXXX XXXX XXXX XXXX XXXX paying the 3 months of payments that were approved from her organization. The issues I have, is that USbank has cashed these checks but has failed to apply payments to my account which has negatively impacted my loan, and now my credit. I am incurring late fees. US Bank sends me a new 1098 tax form every month with different amounts. I have already completed my taxes and now I have to amend my return. I have so many forms 1098 tax forms that I can not ammend my return as I dont know which one is valid USbank received {$12000.00} on XX/XX/XXXX which would then bring my account current this was for all the payments I fell behind due to COVID-19. I was told by customer service reps that the modification would no longer be valid as that money would make my account current as of today with the exception of the newly lost payments that were applied for XXXX and XXXX. USBank has not updated the total balance of my loan to reflect any of the payments made. If there is no longer a modification why would I still owe what is listed on the modification agreement {$170000.00}? If the account is current. The XXXX does not reflect in the total balance instead USbank has kept the total balance the same as what was notated on the modification although the modification is no longer valid since the account is current. US Bank had already caused issues by closing out my modification without cause, and have admitted fault. US Bank has already wrongfully started foreclosures in the past which they deny which lead to the home being destroyed due to their negligence as they forced us to move out then later offered a mortgage payment. Please see all my evidence to validate my claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today is XXXX My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Acct ending XXXX Deposited a US Postal Money Order for {$1000.00} dollars on XX/XX/XXXX at and US Bank ATM in XXXX CA. US Bank placed an immediate 10 day hold on the check. When I contacted US bank on XX/XX/XXXX & XXXX to follow up on the hold I was told that US Bank can not remove a hold once a hold has been placed under any circumstances. The initial phone call to US Bank was to XXXX I spoke with XXXX at extension XXXX at toll free XXXX on XXXX and she confirmed that the bank would not and could not remove the hold under any circumstances until the Money Order had cleared. The Postal Money Order in question cleared on XX/XX/XXXX according to the US Postal Service and can be tracked and verified below via this link XXXX XXXX XXXX Check Money Order Status XXXX XXXX XXXX Money Order # XXXX has been cashed. 'The information received is based upon the most recent information the United States Postal Service has '' As the bank has already taken possession of our funds it is simply wrong that they would hold a small business 's funds for no apparent reason. Similar checks ; also Postal Money Orders were deposited at XXXX XXXX in XXXX and the funds were available the next business day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A