Date Received: 2022-03-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I had received a large amount on my card around XXXX of XXXX I used about XXXX of it and went to jail. When I got out of jail my dad had died and I went to take care of my little sister out of town. I finally went home some months later and realized that I still had money on my card. I noticed that the card was missing so I called and they reviled that almost XXXX had been taken. Beauty salons, bank transactions that were not me. So I send in dispute they acknowledged that it wasnt me that had made the transactions I signed papers and sent in a complaint with card holder services. They write me back XXXX weeks later saying that I benefited in my card being stolen so they wont refund. How did they figure that? Like my card was stolen and money was taken out without my permission and they say I had to have benefited in this theft of mine, like what sense does that make?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75237
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX I sent XXXX a letter disputing the US Bank Home mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through US Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through US bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are 15 payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of US Bank and XXXX on XX/XX/XXXX and did not receive a response. I called US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that US Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into XXXX today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as US Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This is my 4th letter regarding an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate and incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of the verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 15 U.S Code 1681 ( 5 ) Removal of inaccurate credit information XXXX XXXX XXXX Account Number : XXXX I demand you to delete this item asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In regards to refinancing my US Bank loan, see case XXXX I had applied for a loan which was declined because of discrimination by one of the employees XXXX XXXX I had received a response which had a lot of discrepancies and lies. When I tried to clarify the numbers the company once went dark on me. Even after emailing to CEO of UsBank XXXX XXXX XXXX hoping it would solve the issue I never got any reply When I reviewed reply Unfortunately as I had suspected and raised my hands many times many discrepancies still persist. I had emailed the supporting docs again to XXXX and he went dark 1. You mentioned in your emails and correspondence to the CFPB that you were not being provided the details of your loan denial and felt you were being unfairly discriminated against by sales manager, XXXX XXXX, and our underwriting department. You also felt that you were being pressured into accepting the declination of your loan application by XXXX without being provided a breakdown of your debt to income ( DTI ) ratio or principal, interest, taxes, and insurance ( PITI ) payment. During the processing of your application XXXX spoke with you on several occasions via email and on the phone. This is a complete lie. XXXX could not explain any of the numbers. When I confronted him to share it via email and set up a call to review it, he simply refused. 2. In addition, after your application was declined, he also made several attempts to explain the details of your denial and respond to any additional questions you had with regards to your DTI. XXXX also communicated that our senior underwriting managers conducted an additional review of your application file. I apologize if you felt disrespected at any time during your conversations with XXXX This is a lie again, XXXX had threatened me and told me I will not get a loan from US Bank under any circumstances, used profanity as well as accused me of bullying because I kept asking him to provide a DTI/PITI breakdown while he could not explain them. 3. I apologize if you felt disrespected at any time during your conversations with XXXX. XXXX, I cant accept your apology because I don't think its sincere, Frankly speaking, I dont understand XXXX XXXX why you had been continuously covering up lies from XXXX who simply does not give a XXXX about his job in my humble opinion. I am a very experience Real Estate Investor with a mortgage background, XXXX is incompetent Manager unable to provide a simple DTI/PITI breakdown that Underwriter had probably communicated to him several times, this person should not be holding a Manager position at a reputable Bank in my humble opinion. 4. In your XX/XX/XXXX, email to our chairman, president and CEO, XXXX XXXX, you requested that we provide a breakdown of your DTI/PITI. It is important to note that the initial underwriting review was based upon the verifiable income documentation provided by you at that time. The initial underwriting review reflected a combined total borrower income of {$9600.00} ( Borrower 1 as {$1300.00}, Borrower 2 as {$8000.00}, Net Rental Income {$200.00} ), which resulted in a DTI of XXXX XXXX, and exceeded our maximum allowable threshold of 45 %. Your qualifying PITI was {$7300.00} ( XXXX & I {$6100.00}, Homeowners Insurance {$86.00}, and Property Taxes {$1000.00} ). XXXX. Can you explain how did you come up with PITI was {$7300.00} ( XXXX & I {$6100.00} payment on XXXX mill? how was this payment calculated with XXXX XXXX rate i/o for XXXX year loan? ) 5. In addition to the review outlined above, an additional senior level underwriting review was completed on XX/XX/XXXX, which XXXX discussed with you on XX/XX/XXXX. This review was conducted using all the documents you had provided after the initial review was completed. The combined total borrower income was {$15000.00} ( Borrower 1 as {$7900.00}, Borrower 2 as {$7300.00}, Net Rental Income {$470.00}, XXXX {$240.00} ), which resulted in a DTI of XXXX XXXX and still exceeded the maximum allowable threshold of XXXX XXXX. You mentioned that the income from your home rental was ignored ; however, it was not ignored, and it was calculated by using a 24-month average. Your estimated qualifying PITI was {$6200.00} ( XXXX XXXX XXXX {$5000.00}, Homeowners Insurance {$86.00}, and Property Taxes {$1000.00} ). 5a. Why was Borrower 2 income had decreased from {$8000.00} to XXXX? Please provide a breakdown how was my XXXX XXXX income calculated as she has multiple employers? 5b. Your estimated qualifying PITI was {$6200.00} ( XXXX & XXXX {$5000.00}, how was payment calculated on XXXX loan? My rate lock is at XXXX XXXX interest only XXXX yr loan I am calculating i/o payment at XXXX vs XXXX, something is seriously wrong here and way off 6. You mentioned that you included my rental income in my DTI, but I don't think that had happened. Borrower 1 income is XXXX Borrower 2 Income XXXX Interest and Dividends are calculated incorrectly see more for details later down below in my email My income does not include rental home income of XXXX per mo. from a new lease agreement that somehow it gets ignored/lost several times I am attaching it again. 7. Regarding the payment calculated for your sons college, the statement you provided does not reflect any payment amount, rate, or term to calculate the payment. Also, the student loan is in deferment and no payment was reported on the credit report. Therefore, the student loan payment was calculated using XXXX XXXX of the balance, which was explained to you by your mortgage loan officer, XXXX XXXX, on XX/XX/XXXX. I had informed XXXX and XXXX that since you could not calculate payment correctly because my XXXX XXXX college loan was in deferment I changed the terms to start paying it now and submitted a revised statement, obviously it was ignored as many other docs and not looked by your Underwriter as was stated. My mo. payment is XXXX, see attachment one more time. 8.. However, the only item you provided to support your XXXX income was a spreadsheet for XXXX distributions ; nothing for XXXX or XXXX and we were unable to locate any corresponding income reported on the XXXX you provided. Not true for XXXX debt fund, I had shared XXXX for XXXX that showed income of XXXX and and a bank statement that had quarterly distribution of XXXX on XX/XX/XXXX both docs were provided to XXXX and XXXX, but somehow miraculously were lost and ignored, re-attaching all docs again for your reference. Please consider adding additional XXXX per mo. income going forward as my balance is XXXX at XXXX XXXX annual interest It continues to amaze me that I am not getting a fair treatment after so many emails, complains and escalations. What has to happen for someone to take charge and do a thorough job of reviewing my loan file? I am not asking for a miracle but for a fair underwriting which is still not happening, so many docs are being lost/ignored/misinterpreted. I am kindly requesting another XXXX, Underwriter to look at my file yet again, because it was not looked with correct documents Please move away my file from XXXX and his XXXX Underwriters as far as possible, I don't trust them at all. XXXX XXXX Looking forward to your reply and receive more details. Please let me know if you have any questions or need additional clarification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I deposited a cash fund from my main bank XXXX Bank at US bank on XX/XX/22. After 2 days I did the international wire transfer {$15000.00} at US Bank on XX/XX/22. But they kept it until XX/XX/22 with out informed me the reason of why they didnt transfer. I contacted the person who was processed the wire & told me the the fund youre sending is suspicious. I asked him why did you Guys told me until now. He said I dont know that is the back office responsibility. I told him not to send the money.I will send from my other Bank. After 2 days I transferred back the fund from US bank to XXXX bank through XXXX with daily limits {$3500.00}. After 2 times transfer the branch manager XXXX XXXX closed my checking and Saving accounts and sent me the XXXX checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55429
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: 1 outbound transaction from our account was paid twice, at exactly the same time, to the minute. On XX/XX/22 at XXXX our bank account paid our mortgage {$2200.00}, but did so twice. It was a duplicate transaction. Upon calling and discussing with a USBank rep, they acknowledged that that should not have happened, and yet, periodically does so. The exact matching time of both transactions was a giveaway of a bank error. Had the amount of the transaction been less, she alerted us that she could've fixed it with us while on the phone. Instead, we were guided to the appropriate form to file for a duplicate transaction and subsequently filed it. As of this morning, we have received a response letter from an investigative outfit within US Bank. It alerts us that they are unable to remedy the situation since we " authorized the transaction. '' Note that it does not acknowledge plural " transactions '' in that comment nor does it do so through out the rest of the letter. In fact, where the pertinent transactions are listed, only one is itemized. Ultimately, having paid our mortgage a month early is not that critical of an issue. But the seeming poor faith and/or banking incompetence here by this FDIC banking outfit is alarming. How many times do they duplicate a transaction and not remedy? What if this have been 10 of the same transaction and the bank simply claimed that they were unable to remedy. If/when they are alerted to a duplication, how often do they fail to actually investigate the array of transactions and instead focus only on 1. The Bank 's response seems woefully problematic, if not entirely inept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois US Bank loan number XXXX XXXX XX/XX/XXXX Complaint against US Bank Home Mortgage On XXXX XX/XX/XXXX US Bank and myself entered into a Settlement Agreement due to US Bank 's admission of errors in processing and applying payments in a timely manner. US Bank, starting in XXXX of XXXX, has made numerous errors in processing and applying payments. Also, US Bank is in breach of the Settlement Agreement. The Settlement Agreement states that as of XXXX XX/XX/XXXX, " Borrowers will be due for the XX/XX/XXXX installment of {$480.00} ''. The final court date was XXXX XXXX, where I gave the US Bank council, XXXX XXXX, a check for {$480.00}. This payment was not applied until XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, US Bank assessed a late fee even though my XXXX payment was made on the XXXX. US Bank also held funds in a suspense account, of which said suspense account is not in the Note nor Security Instrument. US Bank took {$39.00} from said suspense account for XXXX 's payment, meaning US Bank overcharge me {$39.00} for the agreed {$480.00}. A letter from US Bank attorney XXXX XXXX XXXX dated XXXX XX/XX/XXXX states, " Enclosed please find check number XXXX in the amount of {$480.00}. These funds were received in accordance with the attached Settlement and Release Agreement. '' This proves US Bank is in breech of the Settlement and Release Agreement. On the XX/XX/XXXX Mortgage Statement, US Bank did not apply the XXXX XXXX payment of {$480.00} to the total amount due. The Statement also shows {$320.00} in a suspense account. This is in breech of the Settlement Agreement. According to the Agreement, " Lender waives any past due amounts that have been incurred on the Subject Loan through XX/XX/XXXX. '' While the use of a suspense account is a breech of the Security Instrument and Note, any funds in the suspense account were to be applied to the principle. The XXXX XXXX Mortgage Statement does not reflect the XXXX XXXX payment of {$480.00}. This is in conflict with the Customer Account Activity Statement that shows the payment was made. As per the Customer Account Activity Statement, XXXX XX/XX/XXXX US Bank charge a Property Preservation fee of {$15.00}. Property Preservation fees are not in the Security Instrument nor the Note, therefore, US Bank is in breech of the Security Instrument and the Note. All Property Preservation fees should be refunded with interest, applied to the principle, and the account be reassessed from XXXX XX/XX/XXXX to the current date. In a letter from US Bank Customer Advocacy Specialist XXXX XXXX dated XXXX XX/XX/XXXX, XXXX XXXX states " Your payment increased from {$480.00} to {$540.00} effective XX/XX/XXXX ''. This is proof US Bank is in conflict with itself, and in breech of the Settlement Agreement. I request the account be reassessed from XXXX XX/XX/XXXX to the current date using the Customer Account Activity Statement, and the history of payments I made at local US Bank branches, applying payments on the dates payment were made. I strongly advise that US Bank actually read the Security Instrument and Note to see what I agreed to in XXXX of XXXX when securing this mortgage loan, and how US Bank is operating without, meaning the opposite of within, the Security Instrument and Note. This letter and attachments will be filed in the XXXX XXXX XXXX, XXXX, Illinois, and used as evidence in the XXXX XXXX XXXX in XXXX. XXXX, Illinois, to appeal the wrongful forecloser by US Bank. Be advised, the XXXX XXXX XXXX has agreed to hear this case. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been treated unjustly with a discriminatory and malicious intent from the branch manager of US Bank XXXX XXXX, WA. Her name XXXX, and the assistant regional manager XXXX, have done everything in their power to prevent me from transacting or even closing my various accounts at US Bank. Furthermore I have had funds in my account for 20 days and still can not transct on my cds or positive balance. I lost out on a real estate deal where because of her pointless driven action to put hold after hold after hold on my account, I am now liable for escrow failure to deliver and owe the seller {$10000.00}. I have also asked repeatedly for an explanation for the holds and treatment and frankly outright control and information sharing against my wishes. I have {$470000.00} in verified and settled assets and, not only can I still not close my account or transact on it, I keep getting refered back to the " branch ''. The US Bank fraud department has no issues only one person, a branch manager who is clearly not doing her job and continues to lie and data share against my wishes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: I bought a used car in XX/XX/2021 and the loan was funded through US Bank, beginning in XX/XX/2021. In XX/XX/2021, I received a letter from US Bank telling me that I was late on my loan payment. I logged in to my account and the statement showed the loan amount paid from my Bank ( XXXX XXXX XXXX ) to US Bank and the loan amount and then the very next line of the statement said, " amount reversed. '' I called US Bank on XX/XX/XXXX ( the first of 12 phone calls ) and spoke with a customer service representative who said that he would try to submit my payment again which he did and said that the money was transferred. A few weeks later, I received another letter from US Bank, telling me that I was late on my payment again. This continued to happen so US Bank asked me to get a letter from my bank XXXX XXXX XXXX XXXX ) stating my account number and routing number to make sure that it was correct. In the mean time, I spoke with supervisors at US Bank, who, with my permission, " took over control '' of my laptop screen to check my account and routing numbers, which were found to be correct. I was able to make an in person appointment to talk with a customer service representative at US Bank and he suggested I download the US Bank app on my phone and try making a payment using the app, which I did and it was successful, but it was too late. US Bank had already reported my supposed delinquency to all three credit bureaus. I called US Bank a total of 12 times ( and talked to 12 different people, having to eplain everything over and over and over ) over the past three months, to no avail. I mailed them approximately 25 pieces of paper as they requested to prove I was making payments and that their US Bank online system was rejecting my payments. All of my phone calls to US Bank were recorded. I am ( was ) in the middle of getting pre-qualified for a home loan and my credit score dropped XXXX points because of US Bank 's mistake and my lender will not move forward with me because of my credit score. I would like US Bank to reverse the damage that they have done to my credit score with all three credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The response provided by USbank is NOT accurate... again. There must be some kind of misunderstanding here. I have attached the letter that they provided with their response and highlighted key statements. The red highlighted text identifies the inaccurate statement and is copied below. USbank red quote : " This balance transfer is the oldest balance on your account and is where your payments are being applied currently. '' -This is painfully untrue. The XXXX XXXX balance transfer identified in the letter for {$6400.00} is NOT the oldest 0 % balance. The OLDEST 0 % balance is the purchases balance of {$750.00}. Hence why the promotion on the {$750.00} balance ends almost a year sooner! The yellow highlighted text is USbank 's acknowledgment that all of my accounts are 0 %. Therefore, all future and past payments should have been applied to the OLDEST balance first ( {$750.00} ) until it reached ZERO $ . USbank yellow quote : " As explained in our previous response, for balances with the same Annual Percentage Rate ( APR ), payments will be applied to the oldest balances first. As all of your balances are currently at a 0 % APR, this is the rule that pertains to your account currently. '' - The " rule '' mentioned in this quote should in fact pertain to my account, but that has not been the case. In fact, this statement describes EXACTLY what I am trying to resolve. So again, why are my payments NOT being applied to the OLDER 0 % balance of {$750.00}? The quote above clearly states that they should be!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 582XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A