Date Received: 2022-03-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an email on XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card from XXXX/U.S. Bank and it offered a 0 % introductory rate for 15 billing cycles and {$150.00} cash reward bonus if {$500.00} was spent within the first 90 days for eligible purchases. I applied for this offer using the confirmation code provided and was approved but after using the card and meeting the terms my statement balance incurred interest for regular purchases. I reached out to U.S. Bank about my account and spoke to a representative that soon stated " this was not a bait and switch '' and shortly after I requested a supervisor. I was given no reason why my account reflected completely different terms and was told that more information was required and anything to support my claim should only be faxed or mailed. I faxed the documents on XX/XX/2022 of the email offer which even had the confirmation code included to Card Member Services and confirmed it was being reviewed. Next I told my request for this to be corrected to the intial agreement had denied and a letter stating this along with different terms was being mailed. Over the period of two weeks speaking to four supervisors and multiple agents there was no resolution for me and I was told they would not honor the terms offered and nothing further could be done. Finally the company maintained the claim I was at fault and my only option would be to except that my account will accumulate interest and I will not be receiving the {$150.00} that was offered and I agreed to when signing up for this specific and offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: {$800.00} came out of my account, card ending XXXX for a contractor from some other state without ma knowledge or authorization. I have filled the necessary paperwork as well as taking the police report to the branch to fax to the fraud department. I have tried continuously to contact someone in management and get a call back and have heard nothing for 3 weeks now. Im at a dead end, Ive done everything required and have been treated very poorly by US Bank. Im not in a position that I can just ignore that amount being takin. This has been going on approximately 8 months and 5 new accounts later and still no resolution. Help would be greatly appreciated. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83651
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: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My mother in law purchased 6 {$250.00} giftcards for XXXX. In XXXX I went to activate my card and check the balance, {$240.00} or the {$250.00} had been used to make purchases in California. I am located in Utah. I called the company that issued the card " Prepaidgiftbalance.com '' and spend 1 hour and 30 minutes on hold. The person I initially talked to " passed '' me to a second person - that took an additional 30 minutes on hold to speak to. So I held for 2 hours. This person took my information and promised to send an " arbitration form '' - and that it would be mailed the next day. I did receive the form but the form stated I had 10 days from the date on the letter to file a complaint or my complaint would become invalid. By the time I got the form, I had ONE DAY to send in. I completed the form, faxed and sent by certified mail and I have not recived a replacement card or any correspondence from XXXX. Looking on line, there are literally THOUSANDS of complaints against this company for fraud, so many that I am astounded they're still operating. I think US Bank actually is the owner of these cards, and I can not believe US Bank is okay with this. But I guess it's all about how much they make. In this case, US BANK has stolen {$1200.00} of my mother in laws money and made it almost impossible for any kind of recourse. My next point is if XXXX is legit, how did ALL 6 of the card my XXXX in XXXX bought all have fraud on them - I'll tell you why. Someone is leaking the card numbers to their friends who work at XXXX and other retail stores. This wasn't some random " your card was compromised '' this is theft. It's THEFT from US BANK and from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84109
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PLEASE HELP ME!!!! I am being discriminated I believe I am an existing customer with US Bank HOME loan XXXX, about 2 month ago I had started working with XXXX XXXX in order to refinance my loan with cash out option of XXXX mill NEW LOAN XXXX, My loan has been declined several times After having no luck getting clarity of how my DTI/PTI income and expenses are being calculated, I had escalated the issue to her XXXX XXXX XXXX and his Boss XXXX XXXX I had asked XXXX to assign a new Loan Officer, he had refused to do so and he had been covering up lies from XXXX. XXXX and XXXX for weeks had refused to provide any details and were declining my loan stating I did not qualify for it when I had confronted them several times I was accused of being a bully. When I asked for transparency to see the numbers they had refused to provide them to me, again I was very cooperative and provided all the docs that are needed but they had refused to consider them even for a straight out refi without cash out. Earlier last week XXXX called me and started to go over my Income, then I found out that multiple discrepancies such as : 1. income from rental home was ignored 2. 1099 income from XXXX XXXX fund and XXXX XXXX was ignored 3. My wife has XXXX jobs, one of them from Dr.Yesin was ignored 4. College loan for my son instead of XXXX per mo. payment XXXX was used When I confronted XXXX about discrepancies and asked him to provide the total breakdown of XXXX in writing via email or XXXX to my home he started to yell at me and later promised to share them which he never did. XXXX then proceeded to call me several times this week and started to threaten me, he promised to me that I will never get my loan approved and called me several profanities. I had received a letter today from US BANK that include false reasons to decline my loan which are both COMPLETE LIES : - INCOME INSUFFICIENT FOR AMOUNT OF CREDIT REQUESTED -UNABLE TO VERIFY INCOME 1. Where is the breakdown for my XXXX that I had been requesting for over 1 month for cash out refi vs straight refi scenarios that I can review? 2. What does it mean unable to verify income? What income are you not able to verify? XXXX. Why additional income : from my wife 's job XXXX XXXX, 1099 from XXXX and XXXX debt fund was no used even though paystubs and statements were shared? 4. Why mo. payment from my sons ' college was used incorrectly with XXXX mo. payment vs XXXX that was used, even though statement was shared? I believe I quality for the refinance loan and ask to be treated fairly. Please help me and reach out to me if you have any questions.
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: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I would like to place a complaint against US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX. I have a mortgage loan that I requested a payoff in full since XX/XX/XXXX. I requested a payoff balance with US Bank and was sent a payoff letter on XX/XX/XXXX. The problem is with US Bank 's 3rd party vendor XXXX XXXX XXXX for the second lien. Apparently, XXXX changed to a new entity and US Bank keeps waiting for the new company which I believe is HUD to get the second payoff. Each entity is blaming the other stating that HUD won't provide the payoff and when I contact HUD they said that US Bank needs to reach out to get the payoff. Each entity is NOT providing the correct payoff information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX. The title company and myself have reached out to both US Bank and HUD at least 3 times a WEEK since the end of XX/XX/XXXX to get this resolved and each entity blames the other with NO results. I am NOW penalized 2 more months of finance charges and late fees because neither entity will provide the correct payoff. I am requesting your help to have these charges reversed and credit repaired due to their incompetence. I am also requesting your help in obtaining the correct payoff ASAP. I have had my condo in escrow since XX/XX/XXXX. The new borrower has provided the title company funding ( cash sale ) for the payoff and now losing dividends on their money as well. This is a private sale between buyer and myself. My loan # is XXXX. My property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. FYI- Weekly sometimes 3 times a week I call, the title company has called and sometimes we conference call these entities since the end of XXXX to get this resolved and each one blames the other. We have been on the phone for up to 2 hours at a time. Customer service at US Bank has TONS of notes on my account referencing payoff request YET no one can help. I have been offered a return call from a Supervisor that has NEVER happened. I feel US Bank and HUD will not provide the correct payoff amount in order to un-lawfully gain additional finance charge and fee income. This complaint is over a payoff quote - nothing more ... how hard can this be? What they are doing is un-lawful and if this can not be resolved to MY satisfaction which is reversing all charges as of XX/XX/XXXX I will be seeking legal advise and starting a class action lawsuit on US Bank and HUD. I have also file this same complaint with the FDIC. US Bank and HUD has left me no other recourse. I want this resolved by XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85364
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/2020 I opened a checking account with US bank I have always kept my account in good standing paying off any fees deemed necessary by the bank. I have had continued problems with federal agents in new mexico illegally accessing my bank accounts. I recieved my child tax care credits in the account and every month I was calling US BANK because they would manually rearrange all the transactions in my account every single transaction. The bank would hold pending charges for up to a month or not collect on pending charges for two months I brought this to the banks attention they said they would investigate and they never did. I continuously complained about every charge in my account being manually adjusted and charges never posting or pending charges and not releasing the money back into my account l. I would make drive-thru deposits with the teller and they would even give me the wrong receipts so if I would deposit {$25.00} they would give me a receipt saying I deposited {$40.00}. I strongly believe it was for federal agents who didn't have a warrant and whom the bank was illegally letting access my account. Fast forward in XXXX I was overdrawn XXXX I never had a problem I filed for my income tax to go in there only to learn that my bank account had been closed I CALLED YOU A BANK AND THEY SAID THAT THEY DON'T CLOSE ACCOUNTS UNTIL 4 MONTHS AFTER YOU'VE BEEN OVERDRAWN MY ACCOUNT GOT CLOSED 2 MONTHS LATER WHY?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. ELAN CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I XXXX XXXX XXXX was denied an extension of credit by U.S. Bank on XXXX XXXX for a consumer credit transaction thru XXXX XXXX XXXX XXXX XXXX. It is indeed against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). U.S. Bank assumes civil liability pursuant to 15 U.S. Code 1691 ( k ). U.S. Bank has violated my federally protected consumer rights. 15 U.S. Code 1681m, 15 U.S. Code 1642, 12 CFR 1002, I have proof and evidence of U.S Banks discrimination in the letter dated XXXX XXXX making U.S. Bank criminally liable. THIS WILL BE CONSIDERED AN UNAUTHORIZED USE SINCE I HAVE RECEIVED NO BENEFIT!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US Bank reports charge off of a line of credit from XX/XX/XXXX {$470.00} from a debt of {$640.00} XX/XX/XXXXthis is still being reported on my credit report but the account was opened in XXXX XXXX, this really doesn't make sense because I paid off my car then so why wouldn't I pay oof this line of credit. This is stolen identity or mistaken identity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: from XX/XX/XXXX to XX/XX/XXXX, I i paid the mortgage company a extra {$50.00} to {$75.00} a month thru the whole 12 months into my escrow account, and then paid a additional {$300.00} in XXXX of XXXX into my escrow account, I did this just in case my property taxes were to rise unexpectedly. When my property taxes came due, the check I got from the bank was roughly {$250.00} short of what the tax bill was, I called the bank and asked them why they did not release all of the money in my escrow account, and they said that was all the money I had in my escrow account. I know I have roughly about a {$1000.00} in overages in my escrow account, I called the bank, the lady i talked to did confirm i had a overage in my escrow account in the amount of {$1000.00} and would have the accounting department issue a check for me in that amount. 3 weeks later, i recieved a check in the mail from us bank in the amount of {$340.00}. This amount is signifigantly smaller than what they had told me was in my account. i also was checking out the balance of my escrow account throught the year, and thought it was strange that after the end of XXXX, my escrow account was not growing, even tho i was still adding money to my escrow account. I called us bank and they said, oh yes, it is still growing, even though the statement did not reflect otherwise. i called us bank and asked them why the did not release the rest of the money, and they said that was all the overage they had. Every time i called them, it was a different story. All i want is just what is owed to me, nothing more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53406
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A