Date Received: 2022-08-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX VIA CERTIFIED MAIL US Bank National Association XXXX XXXX XXXX XXXX, MN XXXX cc : U.S. Department of Justice 950 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : US Bank Account XXXX XXXX Dear Sir or Madam, The account number referenced above by XXXX Bank XXXX XXXX all US Bank XXXX XXXX to XXXX XXXX, is an account number that is also unknown to XXXX XXXX. This account number was referenced for correspondence sent to XXXX XXXX XXXX XX/XX/XXXX asxa Notice f rom US Bank National stating there was a Notice, Transfer, Sale, Assignment of Mortgage for this account number on XX/XX/XXXX by US Bank National . Assignment of Mortgage The Basics When your original lender transfers your mortgage account and their interests in it to a new lender, thats called an assignment of mortgage. To do this, your lender must use an assignment of mortgage document. This document ensures the loan is legally transferred to the new owner. Its common for mortgage lenders to sell the mortgages to other lenders. Most lenders assign the mortgages they originate to other lenders or mortgage buyers. Who is the original lender for account number When was this account sold to US Bank National? Who sold the account on XX/XX/XXXX. Who was the purchaser of this account on XX/XX/XXXX ( see attached Notice of Assignment of Mortgage ). XXXX XXXX looks forward to your response within 20 days from the date of this letter. UNLESS the specific documentation requested is provided to XXXX XXXX, any and all further written correspondence sent by USPS, by an attorney, or by any other party/entity regarding XXXX AND this account number and/or mortgage ( and/or second mortgage ) with US Bank National Association MUST CEASE IMMEDIATELY XXXX Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Very truly yours, 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: 323XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Getting the loan
Subissue:
Consumer Complaint: On XXXX I sent an application for credit to US Bank Registered mail # XXXX. US Bank had 20 days to accept or reject the application ; 10 days fir shipping, 10 days to decided, and additional time was available upon written request. There were clear and conspicuous instructions that they were to return my instruments to me within 20 days if they refuse the contract. The application was received by US Bank on XXXX. US Bank sent a correspondence on XXXX that was received by me on XXXX. US Bank declined my request for credit but failed to return to me anything of value in place of the instruments that were provided to them. US Bank is in Dishonor and has failed to perform on our agreement by refusing to provide me consideration for the value that they received. US Bank is currently holding stolen goods.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with US Bank ( # XXXX ). I have always made my payments on time. In XX/XX/2022, the payment went up from {$2600.00} to {$2900.00}. I failed to adjust the automatic payment of XX/XX/2022 with the increase of {$300.00} for the escrow account. US Bank applied my payment of {$2600.00} to principal and cause the loan to be in default without immediately informing me that I should pay the additional amount of {$30000.00}. Notices were send weeks after the payment was made. Also US Bank charged me a late fee of {$11000.00}. When I found out I immediately called US Bank and the person I talked to reversed the transaction and collected my {$30000.00} over the phone and told me that the fee was waived. The late charge of {$11000.00} is still charged in my account and the Bank informed me that management refused to confirm the waiver. In my opinion this is unfair and shady behavior by US Bank probably created in order to charge excessive late fee 's. I have no doubt that the papers I signed when I took the mortgage are drafted such that I have legally no issue and that the Bank is never liable for anything. I am glad that we have the CFPB that protects clients against this type of behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I made 2 ATM deposits at the US BANK located on XXXX XXXX XXXX in XXXX AZ. XXXX for XXXX cash another a check for XXXX. Both were then pending as US bank states that they don't process deposits on the weekends. Both were completed on XX/XX/XXXX. I then attempted to use my debit card for a transaction and it was declined. I contacted us bank by phone and in person and was told that the XXXX dollar check was placed on hold. They are are holding funds without notice after they made then available. Charging fees and causing my account to be overdrawn I have attached a XXXX of the deposit showing completed.
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: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a letter in the mail from US Bank regarding a exclusive promotional offer of opening checking account that was linked to my business credit card that I have with them in the beginning of XX/XX/2022. The terms of the promotion stated : XXXX. Open a business checking account with promo code XXXX XXXX. Deposit {$5000.00} in new money within 30 days of account opening XXXX. Enroll in U.S. Bank online banking or mobile app XXXX. Complete 5 qualifying transactions within 90 days of account opening Once the terms were completed XXXX points ( equivalent to {$500.00} ) would be added to my business credit card within 45 days of completing the above requirements. I opened the account on XX/XX/2022 and used my U.SXXXX business credit card to fund the account with {$200.00}. I enrolled in online banking on the same day. I did an external transfer from an outside bank of {$4800.00} on XX/XX/XXXX. I completed 6 qualifying transactions between XX/XX/XXXX and XX/XX/XXXX. After waiting 45 days and not receiving the bonus I called and spoke to a representative to see when and if the bonus would be posted to my account. The lady whom I spoke to had to do further research and stated someone would contact me within 3 business days. I received a call 10 days later stating the terms of the promotion were not met. The {$200.00} that was used to fund the account was not considered " new money '' and therefore the bonus could not be given. Even though I used my U.S. Bank business credit card to fund the initial opening, I use an outside bank to pay the credit card bill. So the technicality of " new money '' can be open to interpretation. Afterwards, I called countless times speaking to multiple representatives with each time having to explain the whole situation from the very beginning. Each representative gave me a different response and was told I would hear back at a certain time when I did not hear back at all. One representative gave me their e-mail and advised me to reach out to them if I did not hear back in 24 hours. After 72 hours passed I emailed the representative and received no response. I am more disappointed in the service I was provided. I have a brokerage account, personal checking account, business credit card, and now a business checking account with U.S. Bank. For them to not value me as a customer was disappointing to say the least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A structure fire occurred at my home on XX/XX/2019. XXXX XXXX XXXX is my homeowners insurance provider and US Bank is in charge of the mortgage on my home. The Loss Draft Services department of US Bank was given a total sum of {$240000.00} from XXXX XXXX XXXX. They in turn were given the responsibility of disbursing that money to the contractor/myself. Due to Covid, the fact that my home was built in the mid XXXX 's and required special attention, and my insurance company/US Bank being slow to respond, the process of reconstruction was just completed this past spring. The contractor is missing roughly {$29000.00} of the money that my insurance company gave to US Bank to disperse. I have called numerous times and written several letters over the past few months. When you call the Loss Draft Services Department you get a different assistant with each call. You are treated with disrespect and basically called a liar. They are of no help. I have yet to be contacted by a supervisor about this matter. I am to the point of hiring a lawyer to handle this complaint. The first few disbursement checks were written out to the contractor and not to me personally so I have no way of tracking those checks with my bank. I can track the final disbursement checks because they were written out to me and I deposited them and paid the contractor. There happens to be a check from US Bank for $ XXXX that I do not recall getting and neither does the contractor. I believe that check could have been lost in the mail since I had to move around a bit while my house was being reconstructed. I have asked/pleaded with US Bank to be sent copies of all of the cancelled disbursement checks showing both the front and the back of each check. I want to see who signed for/cashed each check and where the money was deposited. I have yet to be given those checks. They are a bank and should be able to supply me with those copies in a matter of a few minutes. I am still waiting!!! I personally believe they have lost the check and just simply do not want to be bothered with my complaint. In the meantime, I am having to either refinance my house or get a home equity loan to make up for the lost {$29000.00} from my insurance company that US Bank had in their possession. Any help/assistance/information would be greatly appreciated. I am at a loss and US Bank Loss Draft Services is not willing to respond or help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47250
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In reply to U.S. Bank 's letter to me dated XXXX XXXX, 2022, it again intentionally and deliberately fails to address every issue raised in my complaints. I have reached out to FINRA and the OCC as well, in the hopes that XXXX XXXX and her team see that I will not allow their dishonesty, retaliation and discrimination in their replies to my complaints. First, the issue with my investment accounts never being transferred to the managed XXXX XXXX XXXX was never completed by XXXX XXXX XXXX. This is a failure to execute on his part, done entirely out of retaliation for my terminating the financial advisor relationship with him. This failure to execute and act potentially cost me loss of gains and profits. U.S. Bank has not once addressed this issue. In the XXXX XXXX response letter, U.S. Bank fails to address the discrepancy between XXXX XXXX 's e-mail to me in XXXX and then again his voicemail and email to me in XXXX, all of which take extremely different tones -- tones of retaliation and an unwillingness to help me -- after I terminated the financial advisor relationship with his counterpart, XXXX XXXX XXXX. XXXX XXXX never once mentioned in any of his XXXX correspondence to me that he was out of the office, as U.S. Bank alleged. Wouldn't XXXX XXXX welcome the opportunity to explain why he didn't respond to me, rather than tell me he won't work with me, if he were truly out of the office? U.S. Bank is being dishonest and unethical in their response, and the proof is right here for them. U.S. Bank will address this discrepancy or I will continue to file good-faith regulatory complaints directly against their licenses and with U.S. Bank , until such time as XXXX XXXX and her team explain, in detail, the extreme amount of plainly obvious retaliation, discrimination and treating me differently than other customers who did not file good-faith regulatory complaints for these reasons. Next, it is impossible for U.S. Bank to have an apartment number for me that I have never lived at -- impossible. There is no need for me to change my address, because I have already done so, and none of those address changes ever included an XXXX XXXX. U.S. Bank 's XXXX XXXX response to me is a deliberate and intentional lie by XXXX XXXX to once more cover up their deliberate mistreatment of me and their dishonest and unethical practices. I have attached address change letter dated XXXX, XXXX, which is two days before XXXX XXXX 's response to me on XXXX XXXX, and it very clearly shows that U.S. Bank XXXX XXXX changed my address from XXXX XXXX to XXXX XXXX. Nowhere in that letter is there anything related to XXXX XXXX, as U.S. Bank says in their CFPB response letter on XXXX XXXX that this is the address they have on file. XXXX XXXX is openly lying about hers and U.S. Bank 's knowledge of my address and sending me documents to the wrong address, which means that she and XXXX XXXX 's team have now compromised the safety and security of my private information and my account information with them. I want XXXX XXXX to explain the intentionally dishonest discrepancy between her XXXX XXXX response and the attached address change letter. I will not allow U.S. Bank nor XXXX XXXX and her team to further intimidate and coerce me into facts that simply aren't true. XXXX XXXX and her team are knowingly providing false and factually inaccurate information to the CFPB and to me, and I am attaching proof of this. In the XXXX XXXX response letter, it states that XXXX XXXX has now agreed to take over my relationship with XXXX XXXX. Yet, in XXXX XXXX 's response letter to the CFPB, she states she is still looking to put in place a long-term team. So, which is true -- is U.S. Bank lying then? Are they lying now? Or do they not know which lie of theirs to believe? XXXX XXXX also provided me no backup banker in her absence, which is another example of how U.S. Bank is lying with regard to me being treated fairly and equally. XXXX XXXX and her team continue to knowingly coerce, discriminate and retaliate against me for what is very plainly just that : coercion, retaliation and discrimination for raising good-faith complaints, with proof, of their actions mentioned herein and in every other complaint that has been filed, and will continue to be filed, against them. I have also never received a single response from U.S Bank 's internal compliance person, XXXX XXXX, whose letters to me state he is investigating my compliance complaints. In XXXX XXXX has failed to provide any response to me as agreed to in his attached letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry on my report without SS # being provided
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In XXXX of 2017 US Bank Charged off my Checking Account and reported me to XXXX XXXX US Bank reported to XXXX the reason for Charge Off was Account Abuse. This is incorrect. As I remember my account was charged off for over draft fees. Then US Bank Charged additional over draft fees on top of over draft fees. I attempted to correct this with US Bank bank in 2017, but they stated this is policy. I was aggravated with US Bank answer. I did not pursue US Bank any further at the time to correct the matter as I was caring for my XXXX mother and attempting to understand why my father XXXX XXXX XXXX in XX/XX/2017. i spoke with US Bank today XXXX attempting to resolve the matter. To make settlement and for US Bank to remove or correct the reason they Reported to XXXX. US Bank stated No, they would not change the reason. I advise I was contacting CFPB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In the past 3 years I have contacted this company at least 3 times to have this late payment information removed from my credit report. I was told that they couldn't do anything. Here I am. I have had an excellent credit score until I accidentally missed one payment on this credit card. I was in the midst of a move and the mail did not get to me in time and having so much to do and on my mind, the charge was forgotten. When notified, I immediately paid the balance which I don't clearly remember but I think it was approximately {$100.00} and was not given a chance to continue using the card. I opened the account in XX/XX/XXXX and paid on time EVERY time, but on XX/XX/XXXX I made my last payment and the company closed my account. It was 120 days late. Not fair! My credit score went down significantly due to this mistake and I understand it will stay down for at least 4 more years. Please help! I would really appreciate it if you could clear this up and restore my good credit again. Thanks in advance!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A