Date Received: 2022-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account does not belong to me yet US BANK is reporting it on my credit. I do not think that it belongs to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a U.S. Bank Secured Credit Card so I can start rebuilding my credit. My application for the U.S. Bank Secured Credit Card denied due to me having previous credit card and checking accounts that was discharged under XXXX XXXX Bankruptcy in the United States District Court District of XXXX Bankruptcy Court on XXXX XXXX. U.S. Bank has violated the Equal Credit Opportunity Act ( ECOA ) under federal law by discriminating against me on the basis of my race and me filing bankruptcy and having previous accounts with U.S. Bank, discharged under XXXX XXXX Bankruptcy in connection with denial of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: It has been months since the original account. My funds were frozen because of fraudulent activity. I can't get at the money in account, however they still charge for overdraft fees which are added at least once per week. I owe well over {$100.00} in overdraft fees. I would just like them to close all the accounts and pay me out the funds that are in the account. The bank has never called me. Very poor customer service. When I try to reach out, everyone has a different story about the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a follow-up to a previous complaint that was not adequately addressed. I am requesting that the original complaint be reviewed along with the new supporting documentation indicating that I was unfairly removed from COVID-Related Relief Options. Original Complaint ID : XXXX On XX/XX/XXXX, I submitted this letter to their consumer advocacy department as well as the XXXX XXXX XXXX Account Number : XXXX Property Address : Department of Loss Mitigation and Consumer Advocacy : I am writing to humbly request that my account be reconsidered for a loan modification which will allow my outstanding balance accrued during the COVID-19 Forbearance to be placed into the my loan and allow me to resume previously established monthly payments. This request is based on the fact that I, in good faith, enrolled in the COVID-19 forbearance plan and followed the rules and guidance as provided from US Bank representatives . Despite these efforts, and as a result of incorrect guidance from the US Bank agents, my COVID-19 forbearance participation period was erroneously extended one month beyond the allowed time limit. The culpable missteps were confirmed by an investigation by US Bank as reported by US Bank Customer Advocacy -- XXXX XXXX ( quotes denoted in blue below ) : As no further suspension of payments was available, you contacted us on XX/XX/XXXX, for review of modifications. You were removed from the COVID-19 forbearance plan that day, and placed into deferment modification in XX/XX/XXXX. Final documents requiring your signature for approval were sent in letters dated XX/XX/XXXX, and again on XX/XX/XXXX, for follow up, which were not returned. It was my belief based on this conversation that I was still enrolled in the COVID-19 forbearance plan at the conclusion of this call. Clarification should have been provided to you regarding your request to extend the deferment, as there is no extension of the deferment, and your COVID-19 forbearance extension was removed when reviewed for the deferment. Therefore, by your own admission, clarification of this unique program was not provided, thus it was reasonable to have the understanding that I was still enrolled in the COVID-19 forbearance plan. Additionally, we found that the proper internal task was not opened with your request to remove the deferment on XX/XX/XXXX, causing your review not to close until XXXX due to failure to return the modification documents. Furthermore, on a call completed with you in XXXX, due to you stating you were still on the COVID-19 forbearance until XXXX, the agent failed to communicate that your forbearance had ended in XXXX in oversight of your account ; therefore, you were inaccurately told to contact us back in XXXX instead of reviewing options at that time. Given the specific misinformation provided above, it is reasonable for one to conclude that I was still protected under the COVID-19 forbearance plan. When your review was closed in XXXX, you were due XXXX payments, which put you over the allotted 18- month payment delinquency The delayed review, per above admission directly led to the one month overage of the allotted 18 month limit. therefore, you were ineligible for post-forbearance options. When you contacted us in XXXX, we explained that post-forbearance options were not available unless you were to pay down your delinquency, or you would be placed for a traditional retention review, where a Mortgage Assistance Application ( MAA ) is required for review. Furthermore, in XXXX, we found that communication regarding timeframe for review of options was given in receipt of additional documentation requested was accurately completed. The enclosed Customer assistance summary information letter dated XX/XX/XXXX, was sent to you showing completion of our underwriting departments review, providing a conditional approval for a short sale. Our records reflect, due to an internal system issue, you were wrongfully denied the option for a repayment plan and offered the conditionally approved Short Sale ; The offer of a Short Sale was an untenable option. An option that did not reflect the weight of the conflicting guidance previously provided. therefore, after review of your financials provided, we reverted your plan back for approval of the repayment plan. This repayment plan offer is enclosed for your reference and show that funds were received on XX/XX/XXXX for acceptance of this plan. The payment made was to reflect my good faith efforts and demonstrate my dedication to maintain home ownership. My submission of payment should not connote repayment plan acceptance as the payment as outlined is not sustainable. I respectfully request to remit the amount necessary to bring my loan current from the period which my COVID-19 forbearance expired ( XXXX ). After which time, I request resumption of all options afforded under the COVID-19 forbearance plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed a US bank Cash+ Visa secured card on XX/XX/2022. I was told that I should get back my security deposit in the amount of {$1000.00} within 30days. Then I received a account closure confirmation letter from US Bank, showing the account would be fully closed on XX/XX/2022 and the security deposit will be issued. Also, I called again to US Bank to make sure this secured card is now fully closed and the security deposit check should be issued and delivered soon. However, as of today XX/XX/2022, I do still see negative balance on my US Bank secured card account, because I had return change deposited back to that card and the security deposit check has not been issued yet. I dont understand why it should take so long EVEN AFTER it passed more than one billing cycle! Please give my security deposit back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - NUMBER XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( 30 ) DAYS LATE PAYMENT REPORTED TO ALL 3 CREDIT REPORTING AGENCIES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am an authorized user for a USBank credit card. They took my social security number when I was added to the account, although I'm not financially liable for the account. USBank is reporting to the three credit bureaus and this is negatively impacting my credit. I was recently declined for a credit card as a result. The only credit card I have a high balance on is this card and my denial letter stated, " The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. The balances on your credit card accounts are high in relation to their credit limits, as reflected in your credit report. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: US Bank responded to complaint # XXXX by sending the Affidavits of Unauthorized Paper Debit Form and the Report of Alleged Unauthorized Activity Customer Statement, which were all completed, signed and returned. The documents listed above were sent to US Bank via US Mail, email and FAX on XX/XX/2022. As XX/XX/2022, we have not been contacted and no further communications have been received from the bank. XXXX XXXX XXXX XXXX ( XXXX yr. old, XXXX XXXX XXXX XXXX Veteran ) continues to believe that the bank is just waiting on him to die so they won't have to give him back his {$6200.00} THEY STOLE from his account. Please review and provide some additional assistance in this manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX U.S. Bank agrees to settle a credit line balance for a lesser amount ( {$1200.00} ) with the condition that this settlement balance be paid by XX/XX/XXXX. XX/XX/XXXX payment sent to U.S. Bank for {$400.00} XX/XX/XXXX payment sent to U.S. Bank for {$400.00} XX/XX/XXXX payment sent to U.S. Bank for {$400.00} I thought this settled account was complete. XX/XX/XXXX U.S. Bank debits my checking account for {$1600.00} and references the account number of the settled account. XX/XX/XXXX I called U.S. Bank recovery department and was told that my settlement agreement was cancelled because they did not receive the settlement balance owed. I explained that 3 payments were sent via XXXX. I provided front and back copies of the 3 checks to XXXX XXXX at U.S. Bank. XX/XX/XXXX I called U.S. Bank recovery department again, this time speaking to XXXX XXXX. XXXX said the offsets of the checks was being researched but he would follow up with me on XX/XX/XXXX. XX/XX/XXXX I emailed XXXX XXXX at U.S. bank recovery department. He replied via email that the investigation was complete and 2 of the check payments were applied to another account in error. XXXX said adjustments would be made and my account would be marked 'settled ' and that a manager would return the {$1600.00} back to my checking account. XX/XX/XXXX I followed up with XXXX again, expecting that my checking account would have the credit posted by now. XXXX said his department was waiting on another department to process an adjustment transaction, and that has to be done before my checking account could be credited for the {$1600.00} that was taken in error. I am frustrated that the bank knows this was their error and they still have not credited my checking account for debit that shouldn't have happened in the first place. The bank processed 2 of 3 payments incorrect, the account number of the account being settled was on all 3 checks. Attached are images of the 3 check payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: To whom it may concern, I need your help. XXXX is XX/XX/2022. I made 3 transactions for scammers via XXXX, and the total amount I lost was {$2900.00}. When I know they are scammers. I went to US bank in XXXX to support me. I told the banker to cancel my transactions. she said she could not do that. I asked her to create me a new account because I worry the scammers will hack my account and steal my money again. Today I called customer service of US bank. Once more time I asked for help me cancel my transactions. She said she can not cancel those transactions. She said it is my fault. I was not in control of my account. I also told her " my transaction is under Federal Regulation E. '' The US Bank must help me. I need US bank to protect me from scammers. I feel the rights are not spent for victims. When I know my transaction to transfer for scammers. I told them please help me cancel it. They did not do that. If those transactions can not continue, the scammers can not do anything, and I can not lose my money. It is my money. Why I can not decide on my transactions? I feel unfair when I hard work to earn my money. This is my property that I earn it a long time. I also asked the banker : " how do US bank protect customers like me? '' What is the responsibility of the bank? They just said, " I am so sorry, this is my policy. '' I Do not know what is weird ] the policies just protect scammers. Nobody would like to become a victim of scammers. If I know they are a scam, I have never taken this call. I never and never send money from them. Since {$3000.00} is a big bill for me, I called many phone numbers to help me including XXXX, bank customer service, and a police officer. No one can help me. I do anything to get my money back. I feel hopeless in this life. The rights are not for a victim like me. I need to help. I need to protect and a fair. I hope someone could help me. This is the reason I am sending this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98042
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A