Date Received: 2022-02-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have a car financed through US Bank that has been deemed a total loss. US Bank provided my insurance company with a payout amount almost {$9000.00} more than what I currently owe on the loan. When I called customer service to confirm the payout amount that was provided to my insurance company and to determine why the amount was so significantly different they stated that since it is a total loss they will only discuss my payoff amount with my insurance company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: USBANK needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2019. I received an offer letter to settle the account with US Bank. on XX/XX/2019, I sent the require payment to satisfied the account in the form of a certified check. Funds were withdraw soon after. The account was never reported as settle and this continue to appear in my credit profile even after multiple attempts to dispute the information with the credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Sir/Ma'am, I have a US Bank XXXX XXXX with multiple promotional balances with 0 % APR. The oldest 0 % promotion balance ends XX/XX/XXXX. The two other promotional balances end XX/XX/XXXX. US Bank card services said that their system applies the payment automatically and that they are unable to override the system. They also stated that the XXXX promotional " balance transfer '' balances ( due XX/XX/XXXX ) take precedence over the promotional " purchases '' balance ( due XX/XX/XXXX ). I now find myself in a situation where I am being forced to pay off the larger, more recent balances, in order to pay the older balance prior the the promotional cutoff date. I would not have made the balance " transfers '' if I had known that it would bury the older promotional " purchase '' balance.
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: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My mother passed away recently ( XX/XX/XXXX ). Upon going through her mail, I found several credit card statements to my name for credit card accounts I never opened. I have been a victim of identity theft by a family member : my mother. As hard and sad as this is to say, my mother stole my identity and racked up a large amount of debt in my name. On XX/XX/XXXX, I went to the XXXX Police Department and filed the corresponding police report. My mother had been a XXXX resident since XXXX. I don't even live in XXXX. I live in XXXX. I only flew up for my mother 's funeral. The card statements I found are the following : XXXX. US Bank XXXX XXXX, dated XX/XX/XXXX, balance due : {$13000.00} XXXX. XXXX XXXX XXXX, dated XXXX/XXXX, balance due : XXXX XXXX. XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, balance due : {$4800.00} XXXX. XXXX XXXX, dated XX/XX/XXXX, balance due : {$2600.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Like many Americans, my financial situation was impacted due to the COVID-19 pandemic starting in XX/XX/XXXX. Our XXXX income was down 30 %. When the CARES Act passed in late XXXX, I called U.S. Bank and XXXX XXXX ( our home equity loan servicer ) to ask for help. Your agents were helpful and comforting during an extremely uncomfortable time and I was placed on a COVID-19 forbearance program in XX/XX/XXXX. I kept in touch with U.S. Bank throughout XXXX, either by taking your calls or calling to update our financial situation. We paid what we could while on the program. At the time, I thought the U.S. Bank COVID forbearance program was a godsend because we were able to keep our children safe, healthy, and fed, without fear of losing our home. Now, I no longer have that faith in U.S. Bank. My trust in your company began to erode in XX/XX/XXXX when I started what I thought would be an easy process to resume my mortgage payments. Our financial picture returned back to normal and we were ready to resume our mortgage payments. I called on XX/XX/XXXX and was told by a U.S. Bank Relationship Manager in order to resume payments and have my deferred amount moved to the back end of my loan, I needed to submit a Request for Mortgage Assistance application. I questioned this as all the literature U.S. Bank sent while we were on the forbearance stated I just needed to call to select an option and begin paying. I was assured this was the process. I have since submitted THREE applications, all requested by different Relationship Managers. At one point in XX/XX/XXXX, I was told by a manager in the XXXX XXXX unit ( XXXX XXXX ) that the past RMs were not processing the right code for a COVID forbearance due to a system glitch. He assured me that he will make this right because this was the banks error. After not hearing back from XXXX XXXX, I called again only to be asked to submit another application. I again was assured was needed to process my COVID deferral and begin to pay my mortgage again. I just received a letter dated XX/XX/XXXX that not only will U.S. Bank not defer my COVID payments but the only option I have is a Short Sale. As an aside, XXXX XXXX immediately allowed me to resume my monthly payments and adjusted the deferred payments. Without question and in one phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit of 3 checks at the ATM of US Bank at the XXXX XXXX XXXX in XXXX, OH on Sunday XX/XX/2022. Check # XXXX, XXXX, and XXXX for a total deposit of {$1700.00}. The ATM was experiencing issues and the deposit was pending and then disappeared. US Bank re-deposited the checks however they were cashed during the first attempt so the second attempt was returned. I have been trying to get US Bank to correct the issue now for 3 weeks. I have sent proof that the checks were cashed successfully and the second attempt is what was returned but I keep getting the same response asking to reissue the checks. However XXXX the company who wrote the checks will not re-issue has they have proof they have been cashed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was on a forbearance plan and it ended in XXXX of 2021. We selected a XXXX XXXX agreement to take care of our mortgage. We received all the paperwork and submitted the paperwork to the mortgage company in XXXX. We were sent paperwork saying our first payment was being held because there was a discrepancy. I called several time to Us Bank and was told they would escalate the case and i would receive a call back. I never received anything until i would call back. This continued until XX/XX/XXXX when i spoke with XXXX XXXX. She informed me i didn't Qualify for the loan modification i was sent. Then she corrected herself to say Us Bank Accidentally Signed me up for a XXXX XXXX modification rate and they made a error. My payment should be {$860.00} and not {$900.00}. She informed me she would escalate this matter to her supervisor that would be required to call me back within 15 days. Once again no one called me back so i called back i believe on XXXX After 4 1/2 hours i was told it takes a while to get these to underwriters and corrected and i should call back on XXXX to see if it could be corrected. Same ol same ol. No one can figure out what it will take to correct this problem. on XXXX I spoke with a agent that had her manager XXXX return a call and he said That the loan has just been in limbo. He was sending it to I believe their CAD department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was given a giftcard ( XXXX ) before I could open it ( XX/XX/XXXX I opened it ) the funds were used by someone in a different state. After 4 hours I finally got someone that filed a dispute for me on card ID # XXXX which they concluded was an error and stated they were refunding me the missing amount on {$99.00} ( {$1.00} was left on the card ). Dispute claim # XXXX. The card was canceled when I originally filed the dispute. It was not refunded back to that card, I haven't received a new card and I spent 3 hours on with customer service whom said they couldn't help me because they couldn't verify the original card #, the dispute claim number or the card id #. They have {$100.00} of my money that they need to make available to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
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: 2022-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On or around XXXX I received unexpected reduction in my credit limit from Card Member service which is Publicly know as Elan Financial Services that govern by US -Bank my additional credit limit was XXXX my current limit as now with financial Institution is XXXX i have been impressive customer never missed a payment or late This report by the merchant impacted my score tremendously i cant get a house or car or Apply for any additional credit me because of merchant misuse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A