Date Received: 2022-03-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX I closed on my first home with a two income family. I was in a same sex marriage that didnt last so I got divorced and was remarried in XX/XX/XXXX, to my currenthusband. In XX/XX/XXXX, my husband lost his job due to XXXX XXXX XXXXssues. In XX/XX/XXXX I filed for forbearance help due to covid. Thinking I was able to keep my home, but actually was not able to, I notified my mortgage co about my bankruptcy and even told them when I was XXXX from XXXX ( XX/XX/XXXX ). My XXXX lawyer has sent the info USBank as directed, multiple times. Many phone calls and many many different representatives giving replys and directions on what they want me to have done to get a deed in lieu. So XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX documentation asking for the application for deed in lieu was submittedby XXXX XXXX XXXX XXXX XXXX and XXXX. I have copied, signed and sent in every single thing I was asked to provide. I finally got the application to file for the deed in lieu. Filled it out, signed, attached documents and ink signed, I sent it all to the direct email of USBank for documentation to them ( per their request ). As of today, XX/XX/XXXX, they want something else now, that makes no sense. I submitted the quit claim deed they asked for on the house and that isnt good enough, even though that is exactly what they asked for. I have on many occasions told them I have mental illness and that THEY ( usbank ) are causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Causing an increase in my XXXX XXXX And for what ever the reason is, usbank will NOT approve anything to get this case closed. I have an fha loan and now USBank wants something that was already provided. I've been continuously Trying to resolve the issue very much so, I called today and was cut off, talked over and transferred four times, XXXX, XXXX, XXXX and XXXX are who I spoke with. None of which were able to help resolve this with them. Two managers, XXXX XXXX and XXXX XXXX have had many messages but not one return phone call. I personally asked ms.reynolds for the paperwork needed to give the house back because I was unable to resume payments, and never got those papers either. I have been on the phone with them over an hour just today. I am on XXXX XXXX XXXX and only get a monthly check to live on. This situation is causing extra stress with the bank threatening a lien on the property because a past due water bill ( that I've been trying to get help paying ) also, my electric bill was tripled due to the last bill tacked to my new bill, and I'm on a heap/pipp budget that just got approved. It has been nothing but XXXX XXXX XXXX XXXX XXXX USBank. I am not sure how much more I can personally take, before having another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Sir/Madam, I am writing with concerns of my mortgage modification and would like to make a formal complaint against US Bank XXXX I was in the COVID-19 relief program that ended in or around XXXX XXXX and I was offered a mortgage modification to proceed with my mortgage payments. Once the agreement was created, I was sent documents in early XX/XX/XXXX via XXXX. I completed the documents and returned them and I never heard back so I called for an update. For several months I have been sent numerous of documents and given multiple excuses i.e.. they were late, not received, a mistake, etc. In XX/XX/XXXX, I was sent another set of documents, completed those as well. When I called the bank to check the status, I was told that everything was complete and approved. I noticed my online account was not updated nor did I receive any documents so I called once again. When I spoke to a representative, I was told that the modification had been canceled. I spoke with several representatives before I was given a reason why. After their investigation I was told that the documents did not reflect the proper signature and how my name needed to include my middle initial. I was sent another set of documents, this time I requested the bank set me up with their notary services because I was also told in a separate conversation that my notary covered some wording with her stamp. I was contacted by the notary service and that same day, I was able to get the documents completed on XX/XX/XXXX. The notary showed up with her own set of documents and the return envelope as well that displayed my information. The notary took the documents to mail off. I called two days later to check the status and I was told they never received them. I called the notary inquiring about my documents, and I was forwarded the confirmation that showed US Bank in fact did receive the documents. I called back with the date the documents were received and who signed for them. No one was able to locate the documents and my case once again had to be escalated to a supervisor and I waited for a return call which never happened. When I called back for an update, the documents were received, but then I was told by a very rude representative or supervisor that the documents were not accepted because they weren't sent in the correct envelope. Another day I spoke with a representative and I was told the documents were in the XXXX lockbox and she didn't see a reason why the documents could not be reviewed if US Bank received them. While I waited for the return call, instead I received the documents in the mail stating that the modification had been completed and it was signed, notarized and dated on XX/XX/XXXX. As before, I called because my account had not been updated and again I was told the modification was canceled. When I explained the documents I received and that it was complete, I was placed on hold until someone could figure out why it was canceled. Nothing was resolved in that call, but the next one it was explained to me that it was a mistake done on US Bank 's part and someone accidentally canceled and the error was their mistake. Again, while it escalated and I waited on my return call, I received calls to collect a debt of about {$50000.00}. When I contacted the bank, I spoke with a supervisor that was rude and said the documents were not accepted even though I had a set saying they were. The supervisor denied having those documents on file, he proceeded to say they were late, they were never received, etc. I filed a complaint on XX/XX/XXXX explaining the situation and received a call on or around XX/XX/XXXX. The representative stated to me they decided to reopen the modification but I would be responsible to pay for XXXX ( XXXX ) - XXXX. ( XXXX ), which was over {$5000.00} and I do not have that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: A XXXX prepaid gift card was purchased at XXXX on XX/XX/XXXX for {$50.00} which does not expire until XX/XX/XXXX. Upon checking the balance and putting in the card number and the pin I found out the card has no balance. I called the number on the card several times in the past years and when I gave the security code of XXXX is incorrect. I called them again on XX/XX/XXXX and spoke with XXXX at XXXX am, XXXX at XXXX am who was rude, raised is voice and spoke to me in a tone I didn't appreciate. He told me it was purchased at XXXX on XX/XX/XXXX for {$50.00} but that there were no purchases on this card and that the problem could be with the information entered upon purchase of this card at XXXX I was then referred to XXXX and after talking to XXXX that same day, XX/XX/XXXX who told me she could not pull up the transaction and I was then referred to XXXX XXXX XXXX and spoke with XXXX in the XXXX who did not help me.I left a message for XXXX management to call me back but haven't heard from them. I called US Bank National Association today XX/XX/XXXX and received no assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the account with the term on direct deposit of {$5000.00} will grant {$500.00} bonus within 60 days of opening, I did the direct deposit in time but never received the bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In late XXXX, I paid off our US Bank credit card ending in XXXX. The account was at a {$0.00} balance. In the summer of XXXX, as I was reviewing my credit report, I saw the delinquency being reported for this card and I called immediately to find out what was going on. I learned that there had been a charge for a XXXX account, originating in the XXXX ( if I remember the country correctly ), for {$15.00}. Apparently, XXXX had flagged the account as being fraudulent, as there were no subsequent charges for this recurring streaming service, but despite their noting this to be a fraudulent charge, US Bank did not reverse it and then allowed it to incur interest, late fees, etc. In working with US Bank, they immediately but provisionally reversed the XXXX charge on XX/XX/XXXX and after investigating, made the reversal of the charge permanent on XX/XX/XXXX. On XX/XX/XXXX, they reversed all late interest and late fees, as they recognized I had a XXXX balance on the account prior to the fraudulent XXXX charge, and because I had excellent account history with them. Those reversals were permanent as of XX/XX/XXXX. As of the XX/XX/XXXX statement, the account had a XXXX balance. In conjunction with these reversals, US Bank agreed to update the credit reports of all 3 credit bureaus. However, this has not happened and US Bank is still reporting that I was more than 90 days passed due in XX/XX/XXXX and then again in XX/XX/XXXX - months after they corrected the account.
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: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I received numerous emails and subsequently a debit card in the mail that I did not apply for under my previous married name for unemployment benefits through the XXXX XXXX. I have called the US Bank number provided on the card and had the card de-activated but wanted to make you aware of the situation in case this is a broader hit to numerous consumers.US Bank number provided on card is XXXX Credit allowed {$40000.00}. Credit card mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. If you require additional information, you can contact me at XXXX. I was also insistent on not providing them with my SS #, as they requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: CFPB addressed this bank for me once already and the issue was resolved. BUT the bank did the exact same fraudulent unauthorized transaction and fraudulent overdrafts immediately after CFPB resolved issue. When I attempted to report this XXXX action of fraud, I was refused and my complaint was titled duplicate complaint. And that is not true. And now the overdraft fraudulent charges are exceeding {$140.00} and XXXXXXXX XXXX had sent it to XXXX different collection agencies. I reported the first agency to CFPB and the affect immediately withdrew as collector for XXXXXXXX XXXX. I haven't filed complaint against Monarch XXXX XXXX because I want this taken care of in full. Starting with XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My soon to be ex husband XXXX XXXX is responsible by temporary orders to pay the US Bank credit card minimum payment balance monthly. He has stopped making all payments, just to put me in financial distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XX/XX/2021 I missed half of a payment to US Bank on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have noticed an unauthorized charge on my bank account I have reached out multiple times to the US Bank fraud department who mishandled the issue. Finally, I was able to freeze my account at my local branch but the US bank did not stop the funds from going out and never returned the funds back to my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A