Date Received: 2022-08-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for a short forebearance with my FHA loan ( for 6 months ). Instead they gave me a loan modification for 33 months ( I am 7 years into my 30 year mortgage ) and they increased my interest rate from 5 % to 5.5 %. This is not what I asked. Do I ask for a deferment?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened account with us bank on XX/XX/2022 with promotion where if I deposit XXXX within 60 days and keep the balance for 90 days, I will get {$400.00} but its been 9 months now and I called their customer service 4 times and every time the rep verified my promo eligibility and submitted the request to pay me the bonus, every time I was on call for at least one hour. They should be able to show my call history and details. I have still not received any call back or bonus. My account number is : XXXX. Please help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: During covid lockdown after XX/XX/2020, I requested the closure of this account. the physical branches were closed during this time and I was unable to visit branch to request closure of the account. I had to close it over the phone with Customer service department. Whoever was helping me when I requested to close this account, apparently did not close the account and I was being charged monthly service fees that I was unaware of. The company put this account into XXXX XXXX that I owe a balance and it is in collections. I tried several times disputing with XXXX XXXX and US bank both are refusing to help me in removing this from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed out of {$3500.00} through XXXX by a person representing US Bank. This occurred XX/XX/2022. I have contacted US Bank with zero help and have read that most banks now are not issuing refunds for XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I contacted US Bank 's subsidiary " Reliacard '' under the impression it issued debit cards according to US laws. I have not received a card in the mail as promised by representatives on XX/XX/XXXX that informed me my card would arrive XX/XX/XXXX, then again XX/XX/XXXX that it was just shipped that day. Since the subsidiary offers an expedited card with a hefty fee that is needed in this undercover recession, I noticed the company is using the approach of confusion to cause frustration into their compelling in need of the money for a card scheme. I live in the US and USPS run on normal schedule, I just don't U.S. Bank pretending to send something as they hold my money hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 I mad a ATM deposit on a check for XXXX XXXX at US BANK in XXXX Az. The bank only made XXXX of it available to me. I took out XXXX which caused a overdraft of XXXX I also had enough money to cover the additional XXXX with the XXXX? The check is being held until the XXXX of XXXX and will be available on the XXXX. I have received no letter thru email or postal mail telling explaining as to why this is occurring. I have spoken to US BANK ON SEVERAL OCCASSIONS SEVEAL TIMES A DAY THIS LAST WEEK XX/XX/XXXX AND THIS WEEK XX/XX/XXXX. I have also requested in person on the phone and in writing to CLOSE MY ACCOUNT. THE US BANK REFUSES TO CLOSE IT DUE TO A NEGATIVE BALANCE BUT I HAVE A POSITIVE BALANCE THEY WONT RELEASE.
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: 2022-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied for XXXX XXXX XXXX ( XXXX ) and got approved on XXXX and I received my award letter with forward payments on XX/XX/XXXX. I emailed the award letter with a 3rd party authorization to my mortgage bank ( US Bank ) to be posted to my account and that they can be aware of what I was approved for. I called next day XX/XX/XXXX to make sure that the award letter was received and also letting them know that I applied for government assistant for my mortgage payments but they had no idea what I was talking about the first person I spoke she had to XXXX who has HAF she was no help. I have been calling every other day to get information of posted payments but they still have no idea who XXXX is, they dont have any notes about me talking about the program. They transfer me department to department, they told me to call the HAF program for guidance but XXXX doesn't have any answers regarding on checks or payments. I had to sold my car in order to make my mortgage payment and now I also have late fees even though payments have been approved for me since XXXX. I just need answers, please!!!! Is gon na be a month in a couple of days since I got my award letter and nobody is willing to help or do their due diligence. please see attached the award letter with the forwarding payment info. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I made an ATM deposit to my checking account using a cashiers check for {$10000.00}, after reading the deposit agreement I was under the impression it would clear no later than 5 business days, immediately after making the deposit approximately {$200.00} was available so I assumed nothing was wrong. The day later I attempted to use {$30.00}, the transaction was denied, so I went into the app and saw my balance was only {$10.00}, the amount they had cleared earlier was gone. I proceeded to call US Bank the following Monday to understand what went wrong and I was now told it would actually be 7 business days despite readily available information stating its 5 business days you have to dig a lot to find its actually 7 on occasion and it states they are to provide notice in those instances, I have paperless set on my account and I have no notice in my secure messaging inbox nor was any notice given when I made the deposit. When I asked to speak with a manager I was transferred to a woman who claimed to be a customer service manager, the entire interaction with this woman of which I more so consider an altercation went as follows, after telling her the entire story she says " Its common to not have education about the banking system. '' clearly insinuating I have no education about the banking system and then when I informed her the last bank I dealt with was clearer about a delay of this nature she interrupted me to say " OH REALLY WHAT BANKS '' and then mockingly laughed at me, she would also constantly raise her voice at me and interrupt me, she also said my check had a " high likely hood of not clearing and being returned because its made out to a business '', I then told her I had a picture of the check right here and I see its addressed to myself she then said " oh my bad your name was cutoff '' I tell her this experience is appalling and she had been extremely unpleasant to which she says " I apologize that YOU misunderstood me '', I also asked why wouldn't it clear as she seemed to have some knowledge no one else had but she refused to state why despite this being a cashiers check made out to myself from my old bank account. I hung and called again now totaling almost 3 hours of phone calls in one night to this bank to forward a complaint against this manager, I do have in my possession a number for this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98664
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This all started when I lost my income due a hardship. I heard about hope for homes and so I tired to apply via XXXX XXXX in XXXX Arizona, I uploaded all the the documents they ask you to submit then there is a application for you to get help from XXXX XXXX. This was XX/XX/XXXX on XX/XX/XXXX they tried to contact Usbank to get my mortgage information but of course the bank would not respond to their requests. So, I call Usbank the next morning to let them know that i was seeking payment assist via XXXX XXXX and I want them to cooperate with them. Usbank has a history of doing customers dirty at least me. I had to file a forbearance with them late XX/XX/XXXX till XXXX of XXXX I was XXXX in an XXXX and was out of work for a very long time with zero income coming in. First, I had to apply and prove that I had a hardship because I did not have Covid. They actually ran my credit for the application but did not run the credit of people who claimed to have Covid-19. To make a long story short, I wasn't all the way XXXX when I attempted to go back to work so I could catch up on my bills. In the mean time I was sending USbank partial payments which they did not apply to my loan. I finally caught up had to pay XXXX dollars and soon as I didn't owe anymore USbank reported my account to the credit bureaus as delinquent. I was XXXX and very angry so I closed all my other accounts with them. XXXX ended up closing my case because US banks failure to respond even though I filled an authorization form out. Now, I have applied for the HAF program via XXXX housing and they are now waiting for a response for access to my account they sent over XX/XX/XXXX so they can start sending the payments. Meanwhile, USbank is sending me lots of threatening letters in the mail so I called them up today XX/XX/XXXX at XXXX XXXX and recorded the phone conversation of me asking is they got the request from housing. The lady said, yes we have it we are working on it ; I told her that I want you to accept the payments that housing is trying to send on my behalf that was the end of the conversation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I had several strange messages left on my phone ( XXXX ) XXXX that I did not recognize. The messages referred to a XXXX from XXXX XXXX XXXX and in referencing my property and they said if I did not call, I would be forwarded to my local jurisdiction. After two of these messages, I decided to call out of curiosity. A man named " XXXX XXXX '' answered the phone. He stated this was regarding a " debt '' from US Bank. he said the initial amount of debt was over {$3000.00} dollars and they were looking to take my property. I informed him that I did not receive a letter from the company and had no idea about the debt. he offered to settle the account for XXXX. I provided my debit and credit card information in good faith and if this was a valid debt, I would like to have paid it off. I signed several documents through XXXX. I was speaking to my girlfriend who told me there was a XXXX fraud going on regarding debt collections. Since this was a debt that I was not aware of. I happened to call US Bank to verify the debt, but the call center operator could not confirm the debt, in spite of being given the account number. Having reviewed the documents, the names on the documents were not consistent. I tried to find the Collections company but only found a similar company in XXXX, NY. Not in XXXX, CA. The name " XXXX XXXX '' is attached to XXXX information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A