Date Received: 2022-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a follow-up complaint to complaint ID # XXXX that was resolved and closed. Issue # 1 : On XX/XX/XXXX at XXXX PM eastern time, I received a sales call from a banker at the XXXX XXXX, OH branch who called me from ( XXXX ) XXXX and told me " since you have a mortgage with us we'd like to offer you other services like our platinum checking, etc. '' This sales call was made despite being on the do not call list. I previously complained about unsolicited sales calls from their local branch ( formally as part of my prior CFPB complaint referenced above ) and requested to be placed on the do not call list. I received a letter from US Bank dated XX/XX/XXXX in response to my CFPB complaint that specifically stated : Regarding your solicitation concerns ; we contacted your local U.S. Bank branch and it was determined that your profile reflected marketing allowed. They updated your profile to reflect no mail or phone marketing. If you have any questions, please contact the XXXX XXXX, XXXX XXXX... Why am I still getting sleazy sales phone calls despite repeatedly asking to be on the do not call list and U.S. Bank and even verifying per their letter dated XX/XX/XXXX that I was placed on the no mail/no phone marketing list? Furthermore, the fact that theyre stating that I have a mortgage with them as the reason for their sales call as if we have some consensual relationship is absolutely misleading and downright sleazy behavior directed towards consumers. My mortgage is owned by XXXX XXXX, U.S. Bank is just the servicer ( albeit a servicer who is incompetent and negligent in servicing my loan ) which I had no choice in. U.S. Bank was happy to sign me up for additional accounts I dont need its like the XXXX XXXX XXXX all over again. What an absolute disgrace to consumers and downright unethical way to conduct business. I have no interest in doing business with U.S. Bank as I have repeatedly expressed. They have not honored my demand to not be contacted despite formally requesting such months ago. Issue # 2 : As a result of ( and resolution to ) the prior complaint ID # XXXX, U.S. Bank admitted fault using my escrow funds to pay a neighboring parcel 's property taxes, which made my parcel 's taxes go unpaid and incur penalty from our taxing authority. To resolve the issue, they sent me a letter dated XX/XX/XXXX that said a ) they would refund the {$540.00} errant tax payment they made to me ( so I can reimit to our taxing authority ), b ) they would pay me the {$53.00} penalty incurred which was their fault ( so XXXX can remit to the taxing authority ), and c ) they would disburse the remaining escrow funds in my account to me and waive any further escrow requirement per my request. I did receive the above-referenced refunds and disbursements in late XX/XX/XXXX, which I considered to be adequate to resolve the issue. Just a couple weeks after receiving the refunds and disbursements, I received a letter dated XX/XX/XXXX stating that : " property tax/insurance was paid on your behalf. This has resulted in an escrow advance in the amount of {$53.00}. If no response is received in 30 days, the advance balance will be prorated over a 12-month period and {$4.00} will be added to your mortgage payment. '' My mortgage payment has subsequently gone up by {$4.00} from {$1000.00} per month ( principal + interest ) to {$1000.00} per month ( principal + interest + escrow clawback ) as of the XX/XX/XXXX payment. This supposed escrow advance U.S. Bank is claiming is the exact amount of the tax penalty that I incurred that was paid to me by U.S. Bank. I have attached the check for reference. It was not an advance, it was a penalty levied by my local taxing authority and incurred due to U.S. Bank 's negligence in servicing of my loan and paying my taxes on time with my escrow funds. They took responsibility for the error and paid the penalty to me so I can remit to the taxing authority ( which I did - tax statement attached for reference ), and then mere weeks later, U.S. Bank threatens to claw back the {$53.00} penalty funds they paid me. This is an error on their part and needs to be reversed immediately. In an effort to resolve directly with U.S. Bank, I submitted a complaint/inquiry via their website in XX/XX/XXXX, upon seeing that my monthly mortgage payment was increased. On XX/XX/XXXX at XXXX XXXX XXXX XXXX, I received a voicemail from US Bank with the phone number of ( XXXX ) XXXX. I retained the voicemail and the transcript is as follows : " This message is for XXXX XXXX, my name is XXXX and I work with U.S. Bank. I'm calling in regards to the question received about the taxes on your property and the shortage in your escrow. I'm calling to advise you the reason that there is a shortage in your escrow is because the escrow overage check was sent to you in error and taxes were disbursed. If you have any questions or concerns or need further information on this, please call us .... '' I received a follow-up letter in the mail dated XX/XX/XXXX letting me know that my question was addressed and a detailed message was left. This voice message and conclusion from the U.S. Bank representative is factually wrong. The check was not sent in error and was rightfully owed to me. I do not have a shortage in my escrow account. Upon calling the 1-800 number they provided, I was lead through a maze of their phone system and endless questions from their automated phone system and put on hold. I can not explain how frustrating and ridiculous it is that I have to spend my time and effort resolving continued issues with U.S. Bank that are 100 % their fault and negligence. Between efforts to resolve the issue directly with U.S. Bank, and time spent filing complaints with the CFPB ( both this complaint and prior complaints ), I have lost significant hours of my time attempting to correct such fundamental errors. The fact that U.S. Bank is sending me letters demanding payment as if I'm in the wrong is predatory and unethical consumer practices. I have consulted an attorney who believes U.S. Bank has committed substantial negligence and violations of the Real Estate Settlement Procedures Act ( RESPA ) in the servicing of my mortgage. Furthermore, U.S. Bank has violated the Telephone Consumer Protection Act ( TCPA ) via continued solicitation after being placed on the " do not call list. '' I plan to initiate litigation in the coming weeks. In the meantime, the aforementioned issues need to be corrected immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 15 USC 1666B : A creditor may not treat a payment on a credit cards account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78610
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: So last year I opened up my own company and wanted to open a business account for my company in order to separate my business from my personal. I used US BANK in XXXX, MN for this. Well shortly after this I had hired a women to help me keep track of office duties. Well part of her duties included taking care of company operations along with expenses. Well I had added her to my business account in order for her to do so. Not long after I had added her she parted ways and quit the company. Well after finding this out I contacted US BANK and asked them to remove her from my company account and access. I was advised that they would do so. Well I had added her also to my XXXX as the administrator so that she can keep and log company expenses and record. I had stated that I would do so and I would rather her enter her banking info herself along with enter her own social security number and other identity info so that if anything ever was questioned that I had no access to her personal information. Basically establishing my innocents if there was ever a problem. So the day after U S BANK told me that she would no longer have access to my business account, I had asked her to provided me with details on what she worked on to justify the hours she was claiming she worked. I never heard a response back. At this time I remembered I had her add her own banking information for direct deposit through XXXX and it had already come out of my business account the day before. I then proceeded to contact US BANK to stop payment on this and they said there was nothing they could do even though it went to her personal account with US BANK. So I had filed with XXXX XXXX, MN court system a civil lawsuit against this individual. Well I was advised and given document of this individuals counterclaim and she provided documents that indicated that she was in contact with the business banking rep at the US BANK in XXXX, MN after the fact of them advising me she would no longer have access to this account and information. The email gave great prove to this not being the case and she was still given information about me and my company checking account a month after US BANK STATED she would not be given access to this. Well that is the reason for this complaint today. I had started legal issues with this person to get my money back that was questioned, and took her off of the account and come to find out that US BANK was still giving her personal and company information afterwards. This is an illegal action on US BANKS part and violates certain guidelines and laws under the data privacy act along with fair consumer practices act.
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: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been trying to pay off the amount they claim that I owed them before they closed my account and then reported me to XXXX however they have not provided me to the right department to immediately take care of this issue so I can remove them from my XXXX. They have refused to give me to the right department to take care of this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I can provide all necessary documentation as well. I struggled with my health and loss of income during the COVID pandemic over the last two years. I was led to believe the loan modification applications submitted would assist me unable I became able to pay again. The representatives at US bank consistently assured me that I would end up with a lump sum to pay at the end of the forbearance. However, I received no notice other than a hand delivered summons to court on XX/XX/22. My condo is now being foreclosed without my knowledge ahead of time. I have to pay to attend court in two days {$220.00}. Please assist me in any way possible. The XXXX XXXX XXXX XXXX I pay association dues to also noticed me of eviction in two weeks I feel they want to quickly take my property without considering my rights and have been motivated by greed and XXXX discrimination. I can submit additional evidence documented as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: From XXXX to XXXX, I was living in XXXX. I purchased a home in XXXX XXXX in XXXX. In XXXX, my marriage of XXXX years sadly ended due to my spouses substance abuse issues. At the same time, my mom died, I was laid off my job, and I contracted a XXXX XXXX and made me temporarily XXXX and unable to walk without fainting, I was in a XXXX for XXXX months. I had XXXX young children and I worked diligently to find resources to make sure we did not end up living in our car. Because my ex-spouse did not pay his portion of child support or any debts, I did not have enough money to pay the creditors. When I was healthy and back to working full time, I was only making {$10.00} per hour as a XXXX XXXX. Although I was working with the bank to get a forbearance, they eventually took my house. In XXXX, US Bank took me to Court for a XXXX XXXX concerning a credit card debt of around {$20000.00}. Upon seeing I did not have my house or even a bank account, they said they would file a Judgement against me. Periodically, US Bank would contact me and when I showed them my financials, they could see I really didnt have the resources to pay against the debt. By XXXX I stopped hearing from US Bank and the Judgement stopped showing on my credit report by XXXX. Because I had sustained such a harsh financial set-back from the divorce, it took everything I could do to have enough money to live on. I tried and was unsuccessful in gaining permanent employment and continued as a XXXX XXXX until I moved in XXXX to XXXX XXXX. My daughter had received a scholarship to attend an XXXX XXXX in XXXX, but it did not include living expenses. Unable to help her financially and unable to obtain credit, In XXXX we moved to XXXX to use my limited housing budget for her to be able to live at home & go to school. I was also hoping I could possibly earn a better income in a larger city. In Washington I was able to gain temporary contract work, but nothing permanent until XX/XX/XXXX when I was hired as a permanent employee of XXXX XXXX XXXX. On XX/XX/XXXX, I received a notification in the mail from XXXX XXXX XXXX including documents showing XXXX XXXX were garnishing my wages and taking 25 %. I called XXXX XXXX and they told me that they were representing US Bank on a Judgement from XXXX. I told them I was not aware that the bank was still trying to collect and asked how they could still pursue this after 10 years. The representative told me that they had renewed the Judgement in XXXX and again in XX/XX/XXXX. I emailed XXXX XXXX and their attorneys listed on the paperwork, XXXX XXXX XXXX XXXX, Utah. I sent a letter requesting a settlement and/or installment plan that was more reasonable than the 25 % they were garnishing. I also sent a completed IRS Form 433-A showing my income and assets. I explained I was not aware that they were still pursuing this debt and that I was not contacted before the garnishment to be allowed to work out a payment arrangement. XXXX XXXX responded to my email and told me to contact their attorneys who are XXXX XXXXXXXX XXXX XXXXXXXX Utah ( XXXX ). I contacted XXXX XXXX and I spoke to their representative XXXX XXXX, Collection Manager XXXX XXXX. I asked XXXX XXXX if he had reviewed my email, and he said yes. He said that they would not accept my offer to settle this. I asked XXXX that if my offer wasn't good enough, tell me what would be workable, he said keeping the garnishment or paying it in full. I explained that I will be without enough money to have housing, and he said they dont care because they are allowed to garnish 25 % had sent me notices. Interestingly, XXXX XXXX continually repeated that they had notified me prior to the garnishment and that is the reason they wont work out a settlement on this account. He had mentioned that they work with the XXXX XXXX in Idaho. I told him my employer is not located in Idaho. XXXX XXXX said, its because You live in Idaho. I said to XXXX XXXX that I havent lived in XXXX for several years. He asked me where I lived, and I told him I live in XXXX XXXX. He was completely unaware that I no longer live in XXXX, and he said, I will have to update the file with your address. I never received any prior notifications on this garnishment. It is clear that the attorneys office did not know I was no longer living in Idaho and consequently did not send me notification. The last contact was in XXXX. They sent the garnishment paperwork to my employer, and they did not send it to me. Within 5 months of obtaining permanent employment, this agency decided to garnish my wages and diminish my ability to support my family. I simply dont have the resources for this old debt. I am now XXXX XXXX XXXX, and finding employment is challenging because businesses dont readily hire employees in my age group. At the time this debt was incurred, I had no resources. I was not aware that this debt still existed, and I dont have the ability to pay the entire balance. I offered to pay {$6000.00} by XX/XX/XXXX, if they would agree to remove the garnishment and accept this amount to settle the account. This will take all my savings, but I simply can not afford the garnishment. I also asked that they work with me on a reduced settlement balance and/or a reduced installment plan, they refused. I need help because the garnishment amount is excessive and I was not notified in advance and was not given the opportunity to settle this matter first. The organization did not notify me and revealed that they didn't know where I lived, they only notified my employer. Also, the debt is from XXXX and I was not aware they were still trying to collect. I don't know if the debt is too old for allowing a garnishment either. Any assistance in clearing this matter would be very much appreciated and urgently needed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Purchased a prepaid XXXX giftcard from XXXXXXXX XXXX XXXX store in XXXX, AZ on XX/XX/2022. The load amount was {$490.00}. The card was never functional. I called the toll free number on the back of the card on XX/XX/2022. I was told to photocopy and fax various documents which I did on XX/XX/XXXX. Approximately two weeks later I had not heard anything and called the toll free number for status. I was told the card ID that the company had given me was incorrect. At this point I disputed the charge with XXXX bank and asked for a reversal of the $ XXXX dollar charge. XXXX ultimately rejected my claim on XX/XX/2022 which forced me to re-engage with the prepaid XXXX issuing bank ( US Bank ). I contacted them and was given the correct card ID number and a request to fax the same documentation again. I did as requested and called on XX/XX/XXXX for status. At this point I was told the copy of my driver 's license was not legible and I needed to re-fax this. I did and called on XX/XX/XXXX for status. I was told that the driver 's license is still not legible and also now I needed to re-fax a copy of my original sales receipt. At this point I have no confidence that this situation will be resolved. I've faxed perfectly legible copies of every document they've requested. Each time they come back with another request. It appears they're employing delay tactics. It's hard to believe a large, seemingly reputable bank like US Bank would engage in such tactics but at this point that's exactly what appears to be happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: US Bank has be reordering my transaction in order to accrue more overdraft fees on multiple dates. After raising the issue with them, they stated it was because of the clearing date but the transactions are not even chronological order. I have attached photos of the dates of the transactions and screenshots my bank account showing the order doesnt match. I will include their proper order below. In addition, another occurrence an incorrect overdraft put a hold on my account putting it negative resulting in multiple overdraft fees. The original fee was refunded but the hold putting my account negative remained. In the first case on XX/XX/XXXX, they reordered transaction including a loan deposit ( not a wire, the loan company said it is a direct deposit and takes 24-48hrs tops ) in order to obtain fees. On XX/XX/XXXX I was charged an overdraft fee that was refunded and put a hold on my account making it appear negative when it wasn't. The correct order of the transaction is XXXX XXXX was made XX/XX/XXXX ( attached ) and the XXXX XXXX loan was issued the XX/XX/XXXX and should have cleared XX/XX/XXXX resulting in a positive balance. In addition the order of the transactions is XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, then XXXX XXXX ( in less than 24 hrs from the XXXX XXXX which would not result in a overdrsft. But the loan was not accepted until XX/XX/XXXX at which another automatic payment came out on XX/XX/XXXX resulting in a third overdraft fee. I've attached all bills and the loan deposit receipt showing the payment date which matches the deposit date. It also shows that the loan owner says it should be 1-2 days tops. I called the loan company and they said it was cleared on their side and showed deposited. The bank however held it. In addition, to saying my account was negative for " hold '' for a overdraft fee that was refunded. The second occurrence was the weekend of XX/XX/XXXX. The transactions correct order is XX/XX/XXXX XXXX, after-party XX/XX/XXXX and then XXXX XX/XX/XXXX. I have attached the bills to verify this. The transactions were reordered in order to charge fees and a " hold '' was put on funds for transactions that occurred before the payment even ordered. I was also told my an additional {$36.00} fee or more depending on the interpretation of the account. You can see from rhe screenshots they've notated tons of transactions that the account was negative because a transaction that occurred after the transactions being called negative. I've attached everything I can to prove these. This is the just most recent incidence of transaction reordering to obtain more overdraft fees from me as a long time customer and state employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I used an atm and no money came out but the bank showed that those funds did withdrawal from my account. I called my bank and told them what happen. They filed an investigation or so I was told. 10 days later I call to check on it with the bank. There was never a report filed so they said they will file again. 10 days later I call the bank again and told yet again that no report was ever filed. So here we are almost 20 days later and no report has been filed from my bank, they have not provided any explanation for them not filing the report. I have no funds because they will not realer any to keep. Not even a provisional credit. They canceled my card without my knowledge and wont give me my money that is there in the account. Every-time I call the bank I get the run around. No one knows what is going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was emailed by a XXXX XXXX that was recruiting for a company named XXXX XXXX XXXX for the Admin Assistant position. I accepted the offer and we walked through the interview process on XX/XX/XXXX. I was then sent an email stating that I was accepted to the team and had been asked to fill out onboarding paperwork etc. I was sent a check on XX/XX/XXXX through FedEx and was asked to deposit it. The total for that check was XXXX. The purpose for the check was to pay for work equipment for my home office. I deposited the check at my US Bank branch. The funds were made available on XX/XX/XXXX. I was asked to pay a vendor through XXXX a total of {$2000.00} for my initial product payment, due to an apparent cap on the amount of funds available to send. I sent the funds in XX/XX/XXXX. After I sent the funds I was asked to purchase gift cards, four cards {$500.00} each, totaling XXXX. I refused to do this and checked my bank account due to fear of scam. My account was XXXX. And I knew I had been scammed..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A