Date Received: 2022-03-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent some documents for them to review, I havent gotten a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Dear Sir or Madam : My wife and I recently ( XX/XX/2022 ) attempted to refinance my mortgage with US Bank. I chose them because my existing loan was already with them. I was assigned a loan officer, XXXX XXXX XXXX XXXX help the process go smoothlyI thought. I filled XXXX XXXX in with all the personal and financial information he requested. He indicated that the only out of pocket expenses I would be responsible for was an application fee of {$390.00}. I learned, as the process continued, that XXXX XXXX concept of Out of Pocket did not include what eventually would become thousands of dollars in bank charges taken from the sum I was borrowingbut the truly outrageous problems were yet to come. In the first set of loan documents I was sent the estimated cash to close included a cash payment to me of {$4400.00} plus dollars. Less than what I expected but XXXX XXXX explained that because they had to increase the amount of the loan based on my income the costs had gone up. These loan docs were e-mailed and I Docu Signed them. In the mail arrived a full set of loan docs on paper for my wife and I to sign. On the page that included the costs, what previously was {$4400.00} plus dollars had now become {$550.00}! The costs had once again gone up. I tried calling XXXX XXXX for four days but got no response. Instead I received an e-mail from him with all the Loan Docs for me to final review. On the cost page of these docs was a shock. The {$4400.00} that had become {$550.00} was now listed as {$22000.00} for me to pay the bank in order to get this load!!?? After two more days of trying which included have the US Bank home office send an e-mail to XXXX XXXX telling him to contact me, I finally reached him by calling all morning. On the cost page the loan had gone up, the points had doubled and other costs had been included. XXXX XXXX put it off to the back that my home, that the XXXX had listed at {$630000.00} was now worth {$730000.00}! He also seemed totally unaware of the {$22000.00} the bank wanted me to pay them to get this loan. In the past 50 years I have had many mortgage loans and have been through a number of refinances. No bankruptcies never missed a payment, never foreclosed. What this appears to me is a clear case of discrimination. The bank feeling that my wife and I were XXXX plus and therefore a poor risk. Rather than just pass, they felt it was easier to propose an outrageous amount of costs and therefore I would just go away. To this day I have not received the $ XXXX XXXX paid as the initial fee, nor any sort of reasonable explanation for the hours my wife and I spent with paperwork only to be left with nothing. Sincerely, XXXX XXXX XXXX XXXX ID in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My identity was stolen by my adopted son and he used one of my credit cards to obtain over XXXX in cash through a XXXX XXXX. XXXX XXXX has determined I owe the money even though I have filed a report with the Federal Trade Commission and have filed a report with my local Sheriffs department who have launched a criminal investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
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 a US Bank Reliacard in the mail today. I understand that it is a government debit card used to disburse unemployment funds. I never applied for unemployment benefits for I am gainfully employed. Can you please cancel this account or instruct me on how to correct this fraudulent use of my personal information. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a prepaid XXXX for {$150.00} on XX/XX/XXXX, and used it once for {$60.00} at XXXX around XX/XX/XXXX. I attempted to use it again the next day and the cashier said it was declined. When I checked the balance I learned funds had already been depleted from New York and I live in XXXX XXXX. Someone also managed to register it under a different name. My card was compromised even before I used it for a small amount of {$10.00}. Someone had already stolen a portion of my money without having the physical card. I have attempted several times to dispute with company, sending faxes and them saying they couldnt see documents correctly. Documents include : copy of gift card front and back, my drivers license, copy of original and activation receipt. I also mailed copies to them on XX/XX/XXXX and upon checking every week they tell me they have not received them. They give the run around too much and are not cooperative. Today is XX/XX/XXXX and they supposedly have not received them. They do not accept email and have to wait until notes are placed by the fraud department. There is no number to speak with anyone In the fraud department per XXXX the senior representative. They are scammers!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I went on forbearance with US Bank because I was laid off due to Covid. I began talking with US Bank in XX/XX/XXXX to begin the resuming my mortgage payments. I was told that I was in a plan, it was unclear as I did not select it. Every month I called and was told everything was ok and it was. After discussion they said they had to cancel the current plan ( not clear what it was ) to put me on a new payment plan. That plan was described that the payments would go onto the end of the loan. They wanted me to start payments in XX/XX/XXXX. I paid XXXX by phone but there is no record of the payment. I was told I could make a payment any day of the month. The XXXX payment was made on XX/XX/XXXX for {$860.00} but US Bank does not show it as paid. I made 2 payments on XXXX XXXX ; 1 for XXXX and the other for XX/XX/XXXX. The payments cleared my bank on XX/XX/XXXX for {$850.00} and XXXX XX/XX/XXXX for {$830.00}. US Bank does not show these as paid. On XX/XX/XXXX I became aware when I met with US Bank mortgage loan originator XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX branch that my loan was sold to XXXX XXXX XXXX She looked for my missing payments but was unable to find them. She said she had never seen anything like this at US Bank. XXXX XXXX XXXX has no record of the payments. I am shown as being delinquent in payments that I made that no one can locate. XXXX XXXX seems to be moving towards foreclosure but speaking with them is nearly impossible. I did manage to speak with XXXX XXXX on XX/XX/XXXX. She said my loan was " in flight '' so they did not have access to the information but I was not to worry. On XXXX XXXX, XXXX I made a payment via phone for {$830.00}. XX/XX/XXXX I called to be sure my XXXX payment was on track. I spoke to a XXXX who said my payment was returned on XX/XX/XXXX, I do not know why. I said I have the funds and would like to pay it but he advised me not to as it would only go to the end of my debt. One of the two banking systems has {$2500.00} that I paid in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 at XXXX pm I was at US BANK located at XXXX XXXX + XXXX, inside the XXXX XXXX. I was there to make a cash deposit of {$2700.00}. There were only 2 agents working, a man and a woman. After I handed the cash to the male agent, the agent started taking the money to the back room. I stopped him and told him to count it here and pointed to the counter directly in front of me. The agent set the money down and continued to go to the back room. He brought out the money counter and set it on the opposing wall across the room. He walked back, snatched the money, spun around and was loading the machine with his back to me before I could say anything. I already stopped him from carrying off the money once. I did not think I would have to do it again. His back was to me the entire time at the money counter. I could not see my money, his hands, arms or the money counter. When he turned around, I asked for the count. He said can I add it up? I said go ahead. Then he went into his office and sat at his computer. A few minutes later he emerged stating there was {$2600.00}. I said I gave you {$2700.00}. This entire time his sleeves were almost down to his wrists. He then gave the money back to me to re-count while he went into the back room. When he came out his sleeves were rolled up to his elbows. I still needed to make a deposit but both employees refused. I was told to go somewhere else. My suspicion is he put {$100.00} up a sleeve then stashed it in his office or in the back room. The cameras will show I pointed to the counter between us to count the money but he did not do it. Since he did not count the cash where I told him to, I am expecting {$100.00} to be returned to me. Here is the branch manager 's reply : XXXX, XXXX XXXX XXXX Tue XX/XX/2022 XXXX AM The incident has been reviewed and you received back all the funds that you supplied. It is clear to us that there was no shortage of funds. My reply : That's rather vague considering there are XXXX aspects of the complaint. Keeping {$100.00} is only 1.The US bank agents flagrant disregard of my terms for counting the money should be enough for a reimbursement. The camera 's show I told him not to take the money away, but to count it " right here '' as I pointed at the counter top between us while he was looking at me and listening to me. After that once he left with the money and turned to go to the other side of the room, keeping the money from view, was as good as stating the count is as I say. Is it US banks policy to disregard a customer 's wishes when they demand to have their money counted in front of them? Is it also US bank 's policy to tell cash depositing customers to go somewhere else when the original amount isn't there? {$2700.00} or {$2600.00} I still needed to make a deposit but was denied by both US bank agents. Whether you want to admit it or not, walking off with my money after I say not to, is a problem. Any trust in that agent is gone. If you try to walk with my money and I tell you not to, but you're going to do it anyway, don't you feel an obligation to tell me your intensions? Wouldn't you think after setting the counter up on the opposite side of the room that he would at least not let me lose sight of the money and stand to the side, so he could pretend that I could see what he was doing from across the room? Since I didn't notice any camera 's pointing to the area where the agent counted the money, how did you come to the conclusion that none was taken? Bankers reply : XXXX, XXXX XXXX XXXX Fri XX/XX/2022 XXXX AM Our cameras did capture the transaction and when reviewed by our security it was clear that you received back the funds you supplied. I will use your experience in the coaching of our banker. My reply : Unfortunately, I don't believe there are enough cameras to capture the full event. All of my concerns have not been addressed and I have yet to get an apology or compensation. Therefore, I will be passing this to your superior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX Bank credit card is charging foreign transaction fees on transactions done in USD. When I called and asked about the fees, they could not tell me the currency used to convert to USD or any other information about the foreign transaction fee. My call was escalated to XXXX at US Bank. She informed me that the transactions were submitted in USD but I was charged a 2 % foreign transaction fee because the bank is a foreign bank. They told me it was calculated by XXXX and not US Bank. The fees total more than {$15.00} so far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a showing incident for my US Bank Visa card. I have stellar credit and I sent my account to all three bureaus about a 30 and 60 day delinquency from an account that was connected to the same incident. I reported it to all three agencies and I spoke with someone at the bank that said that a note was made on my account and the delinquency would be removed based on the circumstances of the delinquency. This was a private matter and I spent months escalating to the right person to have the discussion. XXXX refused to remove the delinquency and when checking with the bank, when they call, the bank refuses to live up their promise to remove the delinquency. XXXX removed the delinquency and my score reflects that. XXXX refused to remove the delinquency despite multiple attempts to remove it as well. As an inequitable application of a promise made by the bank to remove my delinquency based on special circumstances, I have opened other banking relationships in the interim because I feel like if an employee of a bank makes a deal on an open line, then the bank should agree and make is happen. Please make this right. I can't understand why one bureau would act properly and the others would refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
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: XXXX XXXX FXXXX insurance was placed against an SBA loan unknowingly to the borrower. The lender, US Bank, took an additional XXXX dollars of flood insurance before the borrower was able to get it stopped. The lender required us to get flood insurance totaling XXXX XXXX dollars against a loan that had a balance of {$88000.00}. We feel that money is owed to us as we had borrow provided insurance in place and supplied proof of it which was acknowledged by the lender, even though they continued to try and take more money from us for their forced placed flood insurance. The documents I will provide show an accurate detailed timeline of events, as well as all of the documents the bank provided us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87002
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A