Date Received: 2022-05-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Prepaid card of {$200.00} would not work or be activated. When I called the number on the back of the card, they assured me that a replacement card would be mailed in 2-4 weeks. No card has arrived yet and 2 months have passed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90240
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Dear CFPB Team : I felt victimized by the syndicate of Bank XXXX XXXX XXXX times now. Even though I login securely to my US Bank ( usbank.com ) account & did my XXXX transfer there on XX/XX/XXXX to my legitimate recipient, still she did not receive the money about 7 business days after. The US Bank website disclosure promised in the that the funds will be received in minutes or on standard way is XXXX business day. Immediately after I confirmed and it the SEND button, the USBank N.A. website displayed a message to me that the funds was SENT ( please see the screenshot attached ). It has been a week now, my funds was taken from my account but never got to my intended recipient. I called the # USBank to file a FRAUD claim but they were giving me a cold shoulder as if I am blamed for authorizing the transfer even though, US Bank introduced me to XXXX tool and that my recipient is not a scammer as she was my assistant. Today, since I filed for a FRAUD with US Bank N.A. they said that they may deposit a provisional reimbursement only after 10 days from the time I filed for this FRAUD complaint. Also, my business account that has been opened since XXXX has to be closed out and I had to go to the physical branch to reopen a new business account. This similar scenario has happened to me last month with XXXX Bank XXXX XXXX where XXXX hoarded my {$1000.00} funds. This MUST BE STOPPED, INVESTIGATED, REGULATED and INSURED prior to the banks promoting any 3rd Party for us costumer to subscribe to. One of the many Consumers who get FRAUDED by XXXX and the Bank, XXXX XXXX. XXXX, CA
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: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, I inquired with US Bank, who holds my mortgage, about an escrow waiver. They told me I do qualify but I would be required to pay an escrow waiver fee of .25 % of my remaining balance, which is currently {$760.00}. I asked them and also researched what this fee was for and found on the US Bank website the Applicable Mortgage Fee page that is required by the FDIC. On that page, it explains that the fee is only assessed for escrow waiver if the person received discount points on their mortgage at closing. I reviewed my mortgage closing documents and I did not receive any discount at closing. I also verified this with my mortgage broker who did my closing. I requested documentation from US Bank showing where I received discount points at my closing, which would prompt this fee but they have not been able to provide this. The continue to refer me to XXXX and section 14 of my loan disclosure which discusses loan fees, however does not prove that I was given a discount. If they are able to prove I was given a discount, then I will understand why the fee is being assessed but I believe this is not the case and they are trying to wrongly charge me a fee when I do not meet the requirements to charge the fee. They have basically told me I can either pay the fee or leave my escrow in my mortgage. I went into a branch today XX/XX/XXXX and spoke with a person who talked with the mortgage department who said the same thing that Ive been told. Still, no one is able to show me where I was given a discount which would justify the fee being assessed. I even offered to open a savings account with US Bank and move the escrow money to that account so they didnt lose the money, but they still said I had to pay the fee.
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: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Multiple federally protected consumer rights are being violated. Please see attached documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX XXXX & earlier this year in XX/XX/2022 someone walked in a few branches in Arizona and withdrew almost XXXX from my US BANK checking account. I reported this fraud immediately and sent in everything the bank asked for. I sent in all my documents, State ID, police report. I mean I literally did everything I was asked to do. XX/XX/XXXX I call in to the fraud liaison department and I was told that my claim was approved and that there was XXXX in my savings account. Then the next day my account was frozen and the claim was reversed. I waited 3 long months to get my money back from this bank just for them to basically tease me with my OWN money. On top of that they sent me mail with my ENTIRE debit card number where my name should be addressed which I will include in a screenshot with this text. Why this bank refuses to protect me even when sending me mail is literally beyond me. I am on the verge of filing a lawsuit with US Bank if they cant get this one right. The mail carrier is probably so confused because shes delivering mail with a XXXX digit credit card number to my mailbox instead of my first and last name. Ive never been treated so unfairly by a bank and to let someone walk in 6 branches and withdraw my money just ices the cake for me. I need US BANK to make this right because at this point I feel as if Im being harassed with mail coming to my address addressed with my XXXX digit card number. I want my XXXX back. Why my claim was approved and then denied is crazy to me. By the way the piece of mail that the XXXX digit card number was on ; inside of it was my PIN number to my new debit card. This bank literally wants me to get robbed of my money again doing things like this. This is so hurtful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Both my husband and I got XXXX back in XX/XX/2022 and payments have been a struggle to make payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: After informing us bank I filed a bankruptcy they refused to release funds back to me per the instruction I received from XXXX from their corporate customer service department. I went into the branch in XXXX Illinois on XXXX XXXX and was partially greeted by XXXX XXXX at the door who literally interrogated me at the door regarding why I was coming in and then got upset with me because I didnt want to discuss my bankruptcy in a line full of people. She began to make nasty comments saying oh its too much going on what day is it its only Tuesday and all this is going and then continues to be disrespectful and talk about me to the XXXX XXXX securitas guard. Then when leaving she informed me she was the branch manager and would be leaving in a few days anyway.
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: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage account with US Bank with an attached escrow for property tax and insurance. I have fully paid the property tax for 2022 which means there is no liability for tax this year. Despite that US Bank is continuing to collect money in the garb of property tax and refuses to refund the excess escrow. I have talked to multiple US Bank agents, their escrow department and their tax department. All of them promise resolution but the level of incompetence in the escrow department is so high that they believe they can continue to collect money form me knowing there is no escrow payment due this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently moved to XXXX XXXXXXXX XXXX from XXXX. I went to US Bank to open an account and showed them my XXXX ID and US passport. They didnt request any other docs and opened my account and gave me a debit card. I deposited all of my funds thinking it would be safe in the bank. On XX/XX/XXXX I went grocery shopping and my debit card was declined. I called the bank and they said they put a hold on it pending verification of my address. The next day I went to a branch and provided them a copy of my lease and they sent it to the corporate office and said it would take one business day to release the hold. Today, XX/XX/XXXX the hold is still not released and nobody from US Bank has contacted me about it. I tried calling customer support but was told their system was down. I have had nothing to eat now for 4 days. My rent is due this week and I will be evicted if I can not pay. I can not get to work without my money. They are ruining my life XXXX XXXX XXXX XXXXXXXX. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I received Loan funding from U.S. Bank for a vehicle on XXXX in the amount of {$4500.00}. After weeks of no paperwork from U.S. Bank I went to the branch as was told to go get a 45 day tag, After that expired I was told by the branch to go buy another that the sellers XXXX XXXX had sent the payoff amount to the agency in the sells name and that it had to be reissued. On another trip to the branch i took them a copy of a letter from XXXX XXXX ( the sells agent ) dated XX/XX/XXXX that the title had been released, I was told again that it would just be a fem more days for U.S.Bank to get the title and registration, plates, A month after that letter, with nothing but runaround from the local branch i called the XXXX # for XXXX bank around XX/XX/XXXX, the XXXX # called the branch and then told me the branch said it could be up to XXXX more days, on friday the XXXX I started a e-mail chain with XXXX XXXX XXXX Customer Solutions Specialist | XXXX XXXX XXXX XXXX XXXX XXXX who also spoke to the branch, specifically XXXX, and was told by XXXX, XXXX that XXXX would be going to the XXXX on XXXX today '' the XXXX to get the title, I have not heard from the branch, even after asking for the XXXX # to have the branch manager contact me, I have not heard from XXXX and I have not heard from XXXX XXXX XXXX which leads me to hope that you can help me get the Plates, tags and registration for a vehicle that I can not XXXX XXXX and have made 3 payments on, my XXXX will be due on the XXXX of XXXX and I would like to know how I can put my payments into escrow until U.S. bank has supplied me with all the items listed above. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A