Date Received: 2022-08-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX lost job due to XXXX shutdown of business I worked for. Heard about various options for mortgage help Contacted lender ( US Bank ) for information Received correspondence from US Bank in XXXX XXXX regarding forbearance From that point on it has literally been a hamster wheel in action Each customer service rep who answers the phone has a different story, different requirements to proceed, has no idea what the previous representative has done, said, etc, etc. Keep getting letters and forms in mail, some with an identical date, but with totally different content. Contacted them in XX/XX/XXXX and told them I had returned to work, wanted to resume mortgage payments. Rep said not to make payments. I did, however send in some. Don't know what happened to them. XXXX, XXXX rec 'd letter that a foreclosure action has been initiated. XX/XX/XXXX rec 'd letter offering to enter into trial period plan under FHA Hamp combo modification. I have no idea what all this means, why the story changes weekly, and I need some help desperately. PLEASE HELP!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I went to the bank on XX/XX/2022 to ask for a void check to take to my work to use direct deposit ... and the employee gave me someone else 's void check... I don't know how that happened and why I gave him my driver 's license... this happened at the US Bank branch at this address : XXXX XXXX XXXX XXXX XXXX, WI XXXX. I became aware of this situation because this weekend I received a check stub with other direction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53219
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I opened a US Bank checking account XX/XX/22. And when it was approved, I received notification of application for the US Bank XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another US Bank credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for US Bank to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the US Bank at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to US bank to remove it, but it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent money to a supposed dog breeder, XXXX XXXX, in XXXX, Washington, in two separate payments, one {$200.00} payment and one {$300.00} payment on XX/XX/2022, via XXXX from my US Bank account. This morning when I tried to contact the breeder to find out when I was going to pick him up today ( XX/XX/2022 ), he blocked me. I tried calling and no answer. I tried reaching out to my bank ( US Bank ) and they said they could not refund me the money because the transaction had already been completed. This is complete fraud/scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX The company owes me about {$700.00}. I had a fews dispute, and the money was coming back to my bank because I won the disputes. US Bank kept taking the amounts of money I won back, out of my bank. XXXX the last amount of money that I got back, it was around {$55.00}, and they told me that I won the dispute and that they would put the money back on my account, but had bring a letter in or contact them. I did not know they wanted me to come into the bank because I did not read the letter that they wrote me to come into the bank because sometimes I don't check my mail. I went to the physical bank because I was wondering why I could not hear my bank balance for my debit card when I called in on the phone, they said because I did not bring the letter into the bank or contact them, so they had to close my account. So since I did not contact him or bring the letter in they had to close my bank account. They sent my account into overdraft for no reason. I did not put any charge on my account whatsoever to go into an overdraft. It was their fault, not mine. Plus I won those disputes fair and square. This is what they said in the letter that they sent me. We are writing to notify you of an update regarding the recent transactions you alerted us to on your account. On XX/XX/XXXX we requested additional information from you concerning your dispute with XXXX XXXX in the amount of {$59.00} Side note : By the way they did not reach out to me on XXXX the XXXX XXXX. Continuing the letter. Unfortunately we have not received a response to your request. Without the requested information, we are unable to assist you in resolving your dispute. Due to the above circumstances on XX/XX/XXXX we will be reversing the provisional credit previously issued to your account on XX/XX/XXXX in the amount of {$59.00} plus any applicable fees previously refunded. Please contact us if you would like the information used during our research. Thank you for your patience and cooperation throughout this process. No further action is needed at this time. If you have any questions kind of please contact card member services representatives at XXXX. We are staffed XXXX hours a day, XXXX days a week. We accept relay calls. We truly value your business and as always, you can view and manage your account in the US Bank mobile app or at XXXX Sincerely, card members services. This letter was sent to me on XX/XX/XXXX. Please help fix this issue for me. I also wanted to include that the people who talk on the phone at US Bank were being very rude to me when I was trying to file my disputes. Thank you guys, please tell them to open back up my account so that I can have my bank account and so that I can receive the rest of my money from my disputes. Thank you so much. Have a good day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This card has been paid off and I thought since I don't use it anymore, that it would be closed or at least remain a XXXX balance. I don't even have the credit card anymore! I keep getting delinquent notices and statements showing balances and late fees. I've tried calling the phone numbers listed on all correspondence to talk with someone and each time after I enter the credit card number from my statement, the message comes on " we are experiencing technical difficulties '' ( or something to that affect with those similar words ), and the call hangs up on me. I've tried calling another number, and the call just drops. I just found a way to email them today and have done so, only to find out the the email form, though it stated it was their company, it was actually some website called " XXXX XXXX ''. Anyhow, this has been going on since XX/XX/2022 and I can not get this resolved with them directly. I'm beginning to think this is just a scam in order for me to call in to " pay your bill by phone '', to give them another payment method so they have my other account information. I won't do it! I need this resolved and removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US bank has opened an account in my name with funds deposited from Unemployment checks. I did not file for Unemployment nor did I request an account to be opened. I have received an ATM card for use in accessing these funds which have been fraudulently requested by unknown persons. Recently, I did see in the news where US Bank had been fined by the Government for opening up fraudulent accounts. Am I part of that or fraud at our state level. To date, I have not received a call, email or text from US Bank, or CFPB,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: US Bank charged me a {$30.00} returned payment fee 24 hours before notifying me of a returned payment. During this time my account showed that the original payment went through and nothing was out of the ordinary. When so called about the issue on XX/XX/XXXX a representative told me that I would have to speak with a manager who would call me in 48 hours. This never happened. On XX/XX/XXXX I called back and another representative told me there was no record of the conversation or a request for a manager callback. The representative then said she could put it in this time and said the manager would call me back in 48 hours. It is now XX/XX/XXXX and I have not received a single phone call and my account still shows a fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: The website on the back of the card that the bank tries to get us to use to activate and check balances is constantly down. It has been unreachable since I've had the card. When you call to report this issue you get an outsourced untrained useless rep. This has been a long standing problem with this bank as there are dozens of complaints about it all over the internet for years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Abusive language/tactics : Lying and manipulation are abusive forms of communication. " US Bank '' won't respond and coordinate to provide information to the CFPB, BUT they can monitor the complaints and find a way to send " false information '' directly to the person complaining. The investors working behind the US Bank name " front '' are FL Bar Attorneys who block, hinder, interrupt and sabatoge ANYONE who makes the slighte st attempt to avail their legal right to obtain justice and remedy for a wrong by using accessed Fl Courts ( State and Federal ) system. See attached, 7 cases of mine and my right to remedy for damages were stolen from me at the hands of FL Bar Attorneys. They never wanted me to pay a " mortgage '' because there never was a " mortgage. '' But they insist on making me come to Court to agree to allow them to steal something from me to remedy non-existent damages. Real estate is a monetary benefit for them. Many people in Florida used to be afraid of FL Bar Attorneys. Its used to be a puzzling phenomenon. No longer do this exist. Their " slips '' have fallen, it's showing for all to see. They are they only ones who can't see it on the ground. That's the NEW phenomenon.
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: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A