Date Received: 2022-05-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Had a mortgage with USBank, they recommended opening a checking and savings account too. While opening these accounts, the branch staff in XXXX XXXX, CA branch specifically promised me that there would not be monthly maintenance fees. During summer of XXXX, I refinanced my mortgage loan. I rarely used but maintained about {$3800.00} in checking and about {$25.00} in savings. Then USBank silently started charging {$24.00} per month on my checking. I realized just last week that {$200.00} have been taken out of my account and on top of it they had made the account dormant too. So in summary for a dormant checking account, USBank was doing a daylight robbery of {$25.00} per month citing maintenance! I tried to reason with local branch manager and their telephone support, after much persuasion, they reversed just the last 3 months.. thereby keeping the loot of 5 months. i.e. {$120.00} still remains with USBank. Requesting CFPB to kindly work with USBank and recover my money back. With pandemic, I am barely recovering lost finances. Any help from CFPB is much appreciated. Thanks and Regards XXXX XXXX, XXXX ( cell ) XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a phone call on my cell phone on XX/XX/2022 that had my bank 's logo ( US Bank ) and their phone number. I was scammed out of {$5500.00}. I have attached a detailed description of what happened. I contacted the bank immediately at XXXX am the following morning to file the report. I've filed a report with the police department, and contacted my local bank branch again on XX/XX/2022. They stated they would re-open the claim and I've heard nothing of what has happened with it. Once I received the attached letters I called to ask for the documents used in the investigation and the gal on the phone told me they wouldn't provide me any personal information, and they have yet to send me any investigative documents at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98038
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The date was today. XX/XX/2022. I received a phone call this morning from a man informing me that my XXXX account had been hacked. He said there were purchases over {$1500.00} that would be coming out of my account in a couple hours. He asked me for different information. He knows my social security number. He said that there was an internal hacker from my bank so he asked that i get a security card from XXXX and purchase a XXXX XXXX XXXX {$500.00} is what he told me to put on the gift card. He then asked for the gift card number. After all of this, you can obviously see, I now know that i was scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a money order sent to me in a form of a check for finishing up some work for a lady online, I put in some hours on the computer as well as sold some things to her. The check went through to my bank account so I spent it on a fee things and then check then was bounced. My bank account ( US bank ) should not allow any checks to come through If it could be fraud, now Im stuck with a negative balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2022, I called U.S. Bank to see why they locked my account. They said that I need to go into the branch that I opened the account. I was living in XXXXXXXX XXXX at the time I opened the account. However, I opened it online so there wasnt really a branch. Anyway, they tell me I need to come to a branch so they can talk to me in person. Thats not impossible in my current condition. So I told the person to close my account and send me the funds. She said they cant do that. They make it impossible to do anything when youre XXXX and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX a hard inquiry was put on my XXXX report that I didnt authorize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: According to US Bank, they received a credit card application in my name on XX/XX/2022. The address on the application was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I communicated via telephone with US Bank today XXXX XXXX XX/XX/2022 at XXXX XXXX XXXX XXXX to inform them that the application for the credit card is in fact fraudulent. They noted the transaction as such.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: U.S. Bank Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX XXXX. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. XXXX XXXX XXXX XXXX Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX XXXX as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, US Bancorp sent me a legal notice stating that they were going to foreclose on my home. However, the problem is that I have already paid my mortgage off in full. They are breaking 31 USC 5118 by attaching a " Gold Clause '' to a note. The letter below was sent to US Bancorp proving the laws they are breaking. US Bancorp XXXX XXXX XXXX XXXX XXXX XXXX US Attention : Chief Accountable Public Officer Via Certified Mail : XXXX XXXX XXXX XXXX XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer , Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/XXXX there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by US Bancorp as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences US Bancorps violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from US Bancorp within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by U S Bancorp ( 15 USC 1666 XXXX b ) ( 1 ) ). 2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by US Bancorp in substitution thereof per 15 USC 1642. 3. Statements fail to reflect proper payment made to US Bancorp by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ). This notice is based upon the attached documentary evidence. Trustee/Attorney requests following documentary evidence to support US Bancorps claims that You extended credit to obligor, and that any presumed assignment of future payment rights to US Bancorp under any power of attorney, whether express or implied is not void. It Is So Ordered. It Is So Ordered. It Is So Ordered. /s/, Trustee By : __________________________, Attorney/Heir In fidelity. Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in XXXX in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : US Bancorp 270 XXXX XXXX XXXX MN XXXX XXXX Attention XXXX Chief Accountable Public Officer VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXffiant In XXXX. US Bancorp receive this legal notice from me via USPS XXXX Mail XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Bancorp is currently extorting me for a payment they have already received. Please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I sold a property with a mortgage attached to it. I made on-time payments for 3 years for the $ XXXX loan. I was told by the escrow agent that we would be closing before the next payment would be due. The escrow closed 8 days late. The loan was paid in full ( XXXX ) XX/XX/XXXX though this was 8 days post the 30 day grace period though this was not due to being " delinquent '' rather due to miscommunication between the escrow, bank and loan agents. I was told that paying any payments would throw off the closing documents that were already executed. I spoke with US Bank, and the mortgage customer service agent was very sympathetic and thought it was reasonable to remove the delinquency notice from my credit. She requested it be removed on XX/XX/12, and US Bank senior investigators replied " no. '' I think this is entirely unfair. I was not " delinquent '' rather trying to follow directions during the closing escrow of a sale. Please help. I've attached escrow closing documents and the US Bank denial letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A