Date Received: 2022-06-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Repeated attempts to talk with a representative at issuing bank. Calls transferred to automatic system with no human interface.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Im making a claim against US Bank. On XX/XX/2022 I called my lending institution XXXX XXXX to find out why 4 of my recent payments had been returned or stopped to my credit card company US Bank. XXXX XXXX said the funds were available on the day I made payments to USBank on all 4 occasions. I asked why they stopped the payments and they said it was done on US Banks side, that they did not do it. Then yesterday I made made 1 payment and was charged 3 times for amount I was paying by clicking the payment button 3 times for the amount 3 separate times in a 10 min window. I called US bank and the customer service rep XXXX said she was sorry but all three payments would be posted to my bank account and if they didnt clear I would have to pay the returned payment fee, the extra interest and more. Then said she was sorry. I would like someone to help me with this. I am very careful with my credit cards and believe I am being scammed by US Bank and their app technology and more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Had an IRA account at State Farm Bank containing XXXX CD 's. State Farm said they were getting out of the " banking business '' and thus transferred the account to US Bank without letting me choose which bank my account was transferred to. State Farm did not have fees for IRA accounts, but US Bank is now charging me an annual fee of XXXX dollars for my IRA account. I have called XXXX times and was told it's their policy because my account is under XXXX dollars or I need to open a star checking with so much in it to wave the fee. They also stated that if I transferred the IRA account to another institution, they would charge me over XXXX dollars for transferring the accounts and early withdrawal. First, I believe that this fee is wrongfully applied because I did not choose US bank for my IRA and did not pay a fee at State Farm before they transferred, nor can I afford to open an additional checking account. And second, there is no option for me to met their criteria for waving the fee because I can not add to my IRA ( XXXX and not working ) and it will be a financial hardship to transfer the account. Lastly, this policy from XXXX band puts me under duress to pay the fee and adds considerable stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is directed to XXXX XXXX in reference to CFPB complaint # XXXX I understand banking terminology can be very difficult so let me teach you about terminology. First off, an XXXX transfers are transfers from bank to bank, external transfers. XXXX XXXX XXXXXXXX Another source XXXX transfers include external funds transfers, person-to-person payments, bill payments and direct deposits from employers and government benefit programs. Business-to-business payments are another one. ( nerdwallet.com ). You wrote, " Records confirm the deposit of {$5000.00}, made on XX/XX/XXXX, was an external transfer from an account held by you at XXXX XXXX. '' Again, external transfers are what an XXXX transfer is. I am astounded that they allowed you to spew this gibberish and nonsense. Im happy to send a demand letter for what I am owed. Since you directly explained what an XXXX transfer is, said that I did that, and then said that I was not eligible for the bonus. I would highly recommend you speak to someone in your department that is competent and banking regulations and terminology. As of now, US Bank is in breach of contract which would warrant legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I reached out to US Bank who is my banker for HELOC for my primary home. Bank officials at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) assured that I will get HELOC up to 80 % combined LTV based on home price and credit scores. My credit score is XXXX, and debt to income ratio is ~38 %. Once I submitted the loan, US Bank underwriting team asked me to prove US Citizenship, if I can not the combined LTV rule will be reduced to 65 %. Seriously? Because the Combined LTV has been reduced to 65 % the equity then can lend dropped down to {$15000.00}. Because {$15000.00} is very less amount to lend as per US Bank guidelines, they sent adverse action notice and denied loan. US Bank did not order appraisal to find out actual value of home either. US Bank did order my credit report. US Bank determined to discriminate and do not want to serve non-US Citizens it seems. I reached out to US Bank this is not fair lending practice, they did not respond or answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: My bank is the US Bank. On XX/XX/XXXX I viewed and messaged a person on XXXX about a vehicle listing, they claimed to have a well-conditioned XXXX XXXX XXXX and wanted {$3000.00} in total. I used XXXX on my bank app as the main transfer to send and receive money. I made my first payment on XX/XX/XXXX of {$150.00} as a hold on the car and to pay in advance for paperwork. I live in Missouri but the car was in Arkansas. I continued communication with the scammer and I offered my current car as a trade-in that he agreed to, bringing my cost of the car to {$2000.00} including a trade-in. He, later on, took back his agreement saying my current car was not worst a lot and ask me to pay the total amount for the car in order to finish the paperwork before I arrived. I made two more payments, one on XX/XX/XXXX for {$1700.00} and another on XX/XX/XXXX for {$700.00}. XX/XX/XXXX was our agreed date to meet so I could pick up the car. But at the location neither the car nor the scammer was present. I immediately filed a dispute with my bank and made a police report. Between XX/XX/XXXX and XX/XX/XXXX I called and ask about the status of my dispute. On XX/XX/XXXX I called around XXXX XXXX and asked again about any actions I could take to aid the investigation, the representative then told me that on XX/XX/XXXX the dispute was closed and that id is getting back my money back by the end of the month. Immediately after the call, I went to check my mail to find a letter stating that all my disputes for each payment were declined. I have text messages and the social account of the person who scammed me. I have the evidence and witnesses that were with me to prove I was wrongfully taken advantage of. I'm a first-year college student in desperate need of money and a new car. I worked hard for my money just for a scammer to use me and for the bank to protect them. US bank didn't ask for any of the evidence I had or for my full story.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64506
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage since XXXXXXXX XXXX XXXX from : U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX There was a charge oXXXX XXXX XXXX XXXX that no one at the Bank was able to explain to me up to date. This XXXX charge was never explained to me by Lender either, who was XXXX XXXX XXXX A NORTH CAROLINA LIMITED LIABILITY COMPANY. I have looked in my loan application forms and could not find this XXXX agreement anywhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
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: I received a " right to cure default letter '' on XXXX XXXX letter stated in part " if you pay {$110.00} by XX/XX/XXXX, you may continue with the Cardmember Agreement AS THOUGH YOU WERE NOT LATE. I paid {$300.00} on XX/XX/XXXX which is only 2 days after the notice and 19 days prior to the deadline. The Cardmemeber Agreement states in part " The first time your payment is late, a late payment fee of up {$30.00} WILL BE ASSESSED. If another payment is late during the next 6 billing cycles, a late payment fee up to {$41.00} WILL BE ASSESSED. '' So per the " RIGHT TO CURE DEFAULT '' which incorporates the " Cardmember Agreement '' by reference then there should be no late fee, nor any action resulting from the late payment. The reporting requirements are also included in the agreements that I signed which discuss the procedure for reporting late payments. I will save that portion for the court because the bank has these documents and they know exactly what they contain. These are the words of US BANK themselves. They have now been put on notice via these previous complaints. All correspondence from the bank will be used in small claims court or federal court. If the bank chooses to change venues then requested relief and damages will be increased to the maximum possible penalty to account for time, and other factors. You can use diversion and deflection tactics but a contract is a contract. I'm an ordinary man but I'm determined and I've successfully fought cases in state and federal court. I am really not the person who will go away. I am also mailing a goodwill letter with an alternative demand letter in case the goodwill letter is not honored. I have included medical documents showing that I was injured on the job and unable to work from XX/XX/XXXX through XX/XX/XXXX. XXXX compensation insurance did not pay me for 3 months. And it was a partial payment. My life was literally in shambles and US Bank is exerting all of their might to either ignore my grievance or refuse relief. If a man is drowning then you have to excuse him for not remembering to call in to tell his boss that he won't make it to work. I am divulging all of this information because I am merely preserving the record. It boggles my mind how a company can be so persistent to deny people their rights. Even when those rights were extended directly by the company themselves. I will sue, and I will win. This all so unnecessary as the remedy I am asking for is completely reasonable. Any alternative interpretation of the law will be decided by a judge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: My wife XXXX XXXX and I had separate traditional IRA/CD accounts with State Farm Bank XXXX US Bank recently took over State Farm Bank 's XXXX accounts effective XX/XX/2020. With State Farm Bank, there were no annual fees. But we both just received notice from US Bank that we each owed a {$30.00} annual fee for our account because US Bank charges that annual fee for all accounts containing less than {$25000.00}. XXXX called US Bank twice today and twice was told that the bank could not offer a waiver of the {$30.00} annual fee because of its policy on accounts with less than {$25000.00}. The bank representative said the annual fee was waived last year, during the first year of the account transfer, but now US Bank is sending out notices of the fee. XXXX and I are not aware that we ever received any prior notice of an annual fee. We have XXXX accounts with a number of other banks, and we have never before been charged an annual fee even for similarly small accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A