Date Received: 2022-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good afternoon, I have a complaint against U.S. Bank Home Mortgage. U.S. Bank is my Mortgage servicer. Recently there was escrow analysis completed and I was told there was a shortage in the amount of {$560.00} I have asked what was in my escrow prior to the shortage amount. I have not received an answer. Problems with the escrow has been happening for years... There have been increase in payments through the years. The problems I believe began in XXXX through XXXX when the loan was modified after years of processing. The end result is a partial claim in the amount of {$50000.00}. Which is due at the end of the loan. During this time of Chaos U.S. Bank talked about a Quick Sale. Through prayer and contacting an Agency like yours and FHA the loan was finally modified I am Questioning the {$50000.00} balloon payment that is due after Our home is paid off. I talked to someone in the Modification at U.S.Bank and she kept insisting they were correct in the amount, The person also told me it was not there error it was a machine which calculated the amount. I read the information on your page about the 7 Mortgage serving violations. I believe I cc was charged unauthorized amounts. The bank told me in the beginning of the loan that they were increasing the monthly payments because we did not have Home Stead Exemption which is untrue. With recent concern and confusion with the escrow I need someone to investigate what is happening with my mortgage account. Unfortunately Mortage Servicing Violations happens. I was told recently instead of a shortage in the escrow there is now an overage. I was told two different amounts would be refunded by two different employees at U.S. Bank I appreciate your assistance in this matter. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hi my name is XXXX XXXX I had an account with us bank Me and my wife worked at the same company my company sent money to my account like they always did for my work which was XXXX the bank thought it was fraud and it wasn't my employer verified the bank was suppose to send the money back to my employer so he can redirect it to me this was way back in 2019 my employer still claim the bank never sent him back the funds and the bank refused to give me any kind of proof where they sent money all they do is claim it was sent back that's a lot of money I ask for proof they won't never give me proof and talk nasty to me the lady at the bank was nasty at me treated me bad told me not to come back in someone did something with the funds they never sent it back my employer would not lie the bank branch address is XXXX XXXX XXXX XXXX XXXX XXXX California XXXX could you guys write them and see why it they are not helping m we find out where they actually sent the money to and if they did it's XXXX $ of my hard earn money they just took and never sent back I put the email from employer stating they never received the money back instead of dodging me or not helping can you write them and also send a letter to there corporate office
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had unauthorized activity occur on my debit card and money was stolen from my account at the ATM. {$1600.00}. i called the bank as soon as i realized i had money missing from my account and they filed a claim for me, and gave me provisional credit. Today XX/XX/2022 my account is now negative because they Reversed the provisional credit and i cant get through to anyone.. this is absolutely unacceptable as i thought my money was protected if it was stolen from me through Regulation E regardless if PIN was used.. Ive never had any issues with US BANK before.. My Bank Refuses To Give Me My Money Back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear CFPB I received a credit card from US Bank that I never activated in 2021. Thus, the account was inactive. However, I recently received a bill for a charge on that account, which to remind you was never activated. I called US Bank and they said that they would investigate the fraud and credit me. That's fine. But the card was never activated. How can they process a charge for an account that does not have an active card and account? That is the reason for reporting this. It implies that they maintain a set of accounts that can receive charges from fraudulent actors instead of purging the account. So, the process of activating a card ensures that I don't use an inactive card, but doesn't ensure that a fraudulent actor is excluded. Something to look into. kind regards XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I would like to obtain assistance in learning how U.S.Bank operate. I applied for a modification of my HELOC in XXXX of XXXX which was never approved and was told no payment would be due in XXXX of XXXX because the loan had matured. Now it is now XXXX of XXXX and U.S.Bank is still constantly providing incorrect information. XXXX of XXXX I requested a refinance of the Mortgage. I was provided information for the closing and was told I could select the title company. When I spoke the loan XXXX I was told they could not due the refinance and was not given explanation. I did submit the complaint to you. When I inquired about the response from U.S.Bank I was provided a number to otain the information from U.S. Bank. In viewing U.S.Bank 's response they stated I requested CASH OUT which was not true. Presently, U.S.Bank is still very confusing to me as a CONSUMER by sending me a letter dated XX/XX/XXXX and receiving notice from U.S.Bank 's legal Council dated XX/XX/XXXX regarding FORECLOSURE. I definitely need help in understanding how U.S. Bank service 'CONSUMERS ' This is ordeal is basically interfering with my HEALTH!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XXXX I deposited my {$400.00} paycheck into my US bank account. They said the check was accepted and {$220.00} was available immediately, and {$170.00} would be available the next day. I used my debit card for {$120.00} later that day. On XXXX they debited the {$400.00} from the account it was drawn on, but then bizarrely put an unauthorized hold on my account. I called immediately and they said they were holding my deposit till XXXX to make sure the check was good when the money was already in their account. I asked to talk to a supervisor, was told he would call me, still hasnt a week later of course. Now on XXXX, they have charged ME with a {$36.00} overdraft fee!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95501
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: This is furtherance of complaint # XXXX. The response from US Bank was that they have sent the balance on the debit card to XXXX XXXX XXXX. I have ben in contact with XXXX XXXX XXXX and they have not received the funds from US Bank. If US Bank did indeed send the money to XXXX XXXX XXXX, please have them send me proof of such transfer so that I can send the proof to the XXXX XXXX XXXX. All I can tell them now is that US Bank has stated they have sent you the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: This is about a XXXX report, regarding a US Bank account from 4.5 years ago, i instigated a dispute on a transaction - a pizza that never arrived, with my bank. It was about a XXXX $ overdraft and I consisted the issue resolved once it was removed. A few weeks later, the dispute was declined, despite the fact I never actually got my food. They continued to overdraft me and stack fees on me, despite the fact I did not receive what I paid for. Id like this removed from my XXXX. I dont even need my money back, I just dont want this false mark of who I am - account abuse, on my report. I did not commit account abuse. I talked to the agent and outlined my issues - food not delivered Hopefully this doesnt come off rude, I love US Bank , I just dont understand why Im being held accountable for this? I was told my debit card comes with protections against purchases that I never recieved the product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, I began refinancing my mortgage w/ US Bank XXXX I took all the paperwork to my local bank. They downloaded all the of the information that they required. I received a call from the Mortgage XXXX in XXXX. They needed the information. I advised that I had submitted all required paperwork. They stated they don't have it. I went back to the local bank. They stated that everything was indeed there. This back and forth went on for several weeks. In XX/XX/XXXX, I resubmitted more paperwork that was needed and sent it in an e-mail. Weeks go but and in XXXX I receive a call they don't have it. I stated that on XX/XX/XXXX I e-mailed it. He looked and stated to me that he found the e-mails and he didn't know how he overlooked them. He reports all is going well and they should be able to finish as they had everything they needed. They call again and can not find the paperwork. It was resent. Weeks again pass and we get another call on XX/XX/XXXX and they had just completed out work history. I stated why did it take so long to verify employment. He gave me a bunch of useless responses. On XXXX XXXX supplied them with the information they needed again. Get another call that they have no paperwork. I explained to him that I had turned it in that day and it was there. He found it. he said now they can close on the deal. Now it is XX/XX/XXXX and nothing. I go to the local US bank again. I'm told they dropped it and would need to resubmit from the beginning again. Now the interest rate went from 2.99 % to 4.69 %. I am more than frustrated. The party from US bank Mortgage in XXXX should be fired for being incompetent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85015
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: US BANK FROZE ACCESS MY ACCOUNT FOR NO REASON WITHOUT INFORMING ME AND WHEN I CALLED INTO CUSTOMER SERVICE TO SEE ACTUALLY WHAT WAS GOING ON WITH A TRANSACTION THEY FRAUD DEPARTMENT AGENT TALKED INCESSANTLY AND AS IF HIS INCOMPETENCE LED TO A PROLONGED EXTENDED DIALOUGUE OF UNNECCESSARY REPEATED INFORMATION SO MY ACCOUNT HAS BEEN LOCKED FOR A REASON I HAVE NO IDEA AND I CAN NO LONGER CONTINUE WITH THE DISPUTE I NEEDED TO FILE BECAUSE OF SOME SLOW TALKING XXXX ON THE XXXX PHONE WASTING MY XXXX XXXX XXXX XXXX XXXX XXXX TIME
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: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A