Date Received: 2022-01-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am a former Employee of US Bancorp ( US Bank ). I am concerned homeowners specifically in Texas are being unfairly targeted on the refinance of their homes by US Bank requiring every Texas homeowner to pay for a full appraisal. XXXX XXXX and XXXX XXXX allow appraisal waivers as long as a property/ loan meets certain criteria. On several occasions I witnessed borrowers having to get a full appraisal when one was not required per XXXX and or XXXX. At this point in the refinance process borrowers have already paid upfront fees including US Banks processing fee and credit report fees. These appraisals are costly sometimes in excess of {$600.00}. When I simply asked why appraisal waivers were not granted to homeowners in Texas there was no clear answer, only a vague response that US Banks system " would not allow it. '' Borrowers are not told upfront that their loan will require a full appraisal even if an appraisal waiver is granted by XXXX or XXXX. I do not feel this is a fair practice given that the borrower is unaware of this requirement and is unable to make an informed decision. It is also concerning that appraisal waivers are granted in every other state with US Bank but if you are in Texas you will not be given this cost saving option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76110
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Habitually and repeatedly U.S. Bancorp National Association engages in the business practice that employs discrimination by the source of the income and promotes itself under the promise of false benefit. Currently and consistently in the past, U.S Bank runs the promotion that promises New Account holders Signup Bonus where the terms of the promotion are met. The terms of the promotions " XXXX '' and " XXXX '' are as typical as " open a new eligible U.S. Bank checking account and complete required activities ''. Where activities required are specified as " You must also complete two or more direct deposits within 60 days of opening your account that total : {$2500.00} to {$4900.00} to earn the {$200.00} bonus or {$5000.00} or more to earn the {$400.00} bonus '' and direct deposit is defined as : '' A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. '' " TWO OR MORE direct deposits within 60 days of opening your account '' requirement is onerous and discriminating against consumer receiving benefits on the monthly basis. Such requirement amounts to a False Promise of the Bonus to the recipients of Social Security Benefits. I originally opened checking account in XX/XX/2021 just to realize that as Social Security Benefits Recipient I can not meet the requirement and complete require activities. Social Security Administration requires TWO Monthly payment cycles for the direct Deposit Information to be updated and the " electronic deposit '' is sent to " new eligible U.S. Bank checking account ''. Because of the monthly payout of the Social Security Benefits, there is no possibility that Second Direct Deposit can be completed by such consumer within 60 days. I had to close my relationship with U.S. Bank within few weeks without attempting any activities and receiving any " Welcome Offer '' from U.S. Bank. The initial account deposit was promptly refunded in XX/XX/2021 I made another attempt to establish banking relationship with U.S. Bank in XX/XX/2021. Because I have another Monthly Retirement Benefit source of the Direct Deposit I had to time new checking account opening and I managed to complete the required activities. That time the " Welcome fall with a {$400.00} offer '' was denied since the eligibility condition as " Offer is not valid if you ... '' was extended from " had a U.S. Bank consumer checking account in the last six months '' in " XXXX '' to " had a XXXX Bank consumer checking account in the last TWO years '' in " XXXX ''. Since I made my objections known to the U.S. Bank consumer banking representatives, I was refused the disclosure about U.S. Bancorp Regulators but was advised that I can submit my grievances writing to U.S. Bancorp internal review or to XXXX XXXX XXXX as the Bank 's preferred agency. To make the matter aggravating, the communication with U.S. Bank Email Operations was incomprehensible. It appears that US!!!! Bank Customer Support is using XXXX XXXX for to communicate in XXXX. Further about I refused to let U.S. Bank to address matter internally since my belief that I am not the only consumer discriminated and I don't see compelling reasons why any Bank in US would have such onerous and deceptive business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XXXX or XXXX of 2021 I tried to close all of my accounts ( checking, saving, line of credit ) with US Bank. I called and spoke to a representative who closed the saving and checking accounts and then told me I had {$50.00} I needed to pay off on the reserve line ( it had just been transferred that morning to cover an " overdraft '' charge in my checking account to cover another service charge of theirs- so I had no idea this had happened ), but since my accounts were closed now she could not take money from them to pay it off. She also told me that she could not take money from an outside account to pay it off but that I could do it through the outside accounts I had already linked to their website, online. I tried to do it while I was still on the phone with her to be sure and it wasn't working so she told me just to " try to reconnect them and try again, but that it would take a few days ''. I kept trying to pay via my external bank accounts for weeks, to no avail. So I called and got passed around to 4 different people in 4 different departments who all assured me the next person would be able to help me. None of them could. This happened several more times during that first month and every month since, everyone gave me different information, no one could help me, and there was always a different department I needed to speak to, so US Bank continued adding interest to this account that was still open and no one could help me pay it. Once it passed 30 days since my trying to close it, I kept getting interest piled on to the account. I finally tried to go into a bank in person because I got tired of being passed around to different departments on the phone and via the chat, and ended up having to go to two different branches, neither of which could help me. The second one finally told me she could take my payment but at this point I would have to pay all of the interest to be able to close the account finally OR I could go to my third branch of the day and speak with them to see if they would wave the fee, but they probably wouldn't. She also told me this was my fault because I should have been paying attention. This bank is trying to squeeze everything they can out of me in fees when all I want to do is close my account, which they have made impossible. I have no problem paying the original amount of {$50.00} they transferred over without my knowledge, however, I am not paying the excessive interest they keep piling on me because no one knew how to help me close the line of credit account after the others had been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I went on a Covid forbearance with us bank home mortage on XX/XX/XXXX thru XX/XX/XXXX. I attempted several times unsuccessfully to refinance the original amount of {$9800.00} in XXXX of XXXX through the loss mitigation department at us bank home mortage. Since then I have been yelled at, hung up on, lied to and disrespected by the young female employees of the loss mitigation department at us bank home department when I tried several times to make the payment arrangements that I told would be no problem to do my refinancing for my Covid forbearance mortage loan amount. I have also been harassed abs threatened by this mortage company who their workers falsely told me while worrying from their personal homes for us bank home mortgage that I would be in jeopardy of losing my home if I dont pay off the full amount that I owe for the Covid Forbearance period. They treated as well as not a good customer of XXXX + plus years with my current home mortgage loan with us bank but falsely accursed me of just refusing to pay on my home loan workout accurately acknowledgement that my loan was under an approved worldwide Covid pandemic forbearance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by US Bank, and this has been going on for MONTHS now. US Bank is claiming that I owed an alleged " debt '' that I did not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist letter on XX/XX/2021, with a few other documents supporting my case ( see attached exhibits ). I have the certified mail return receipt proving they received my cease & desist on XX/XX/2021 ( see attachments ). Since that time, I have received dozens of spam calls and voicemails from US Bank in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that US Bank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
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: Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX US BANK XXXX XXXX US BANK XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/21 I transferred {$6000.00} from my US Bank account to my personal XXXX Savings account. US Bank sent the money and XXXX XXXX denied the funds and returned the funds. US Bank has kept the funds and not returned them to me. Us Bank says there's " nothing we can do '' despite the fact that they requested and received multiple refund notifications from XXXX XXXX. I just want my money back. I have called Us Bank over 30 times and each representative tells me something different. One says I have to wait while another says they will not refund the money and that I must get it from XXXX. XXXX XXXX does NOT have the money, never accepted the money, and provided proof of rejection of the funds. I have a PDF with their official statement as well. Attached is XXXXXXXX XXXX XXXX response which US Bank has said they never received ( despite me giving it to them multiple times )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Over the past several months, beginning in XXXX, I have been calling in several times a week to speak to my account officer assigned to me during the forbearance period. Within this time I have written in to XXXX, XXXX XXXXXXXX Complaints and have not received any assistance with a loan modification signed and notarized to bring my Mortgage payment down, my interest rate down. I called XX/XX/XXXX, XXXX, XXXX and XXXX along with XX/XX/XXXX and XXXX each of those calls escalating my case because they could not do anything but wait for a review and a supervisor to call me back. Calls in XXXX, XXXX, XXXX and XXXX had the same response as well as XX/XX/XXXX, XXXX and XXXX and throughout XXXX. I was not offered the XXXX for reasons US Bank was an option they decided who would be hand picked to allow into the XXXX so I had to settle for the Modification that my assigned representative XXXX XXXX offered in XXXX of XXXX. A notary was sent to my home and on XX/XX/XXXX, I received another letter stating of confirmation of this modification, yet I am XXXX and I pay an increased amount of XXXX well over my original mortgage due prior the forbearance and above the XXXX agreed upon with a 3.25 interest where is was higher prior. I am not in a position to pay the increase US Bank imposed. I am have been told US Bank was not honoring the modification on XX/XX/XXXX. The representative advised me he would call me back within 2 days with the reason why, and he again, did not. I am being discriminated against since I filed a complaint with CFPB for the XXXX not being offered. No one at US Bank is able to assist me after multiple recorded calls and email receipts and various letters. I spend approximately 2 - 4 hours a day attempting to get assistance, and no one at US Bank is authorized to do so on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98422
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I notified the credit card companies after I found out about fraudulent charges on my credit card account. Upon notifying them, they ignored me and continued to pursue collection practices on charges that I did not make. Instead of investigating they continued to try to collect. I would like to pursue them for damages and having a negative reporting history to my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bank with US bank. I was charged a 36.00 overdraft fee, even the I did the opt-out debit card coverage, and one transaction was an error. This transaction is the 99.00 to XXXX on XX/XX/XXXX. When I went into bank account online, after getting a notification, it showed a negative cause by XXXX, and less than XXXX negative balance. I have already contacted XXXX, and they are refunding the 99.00. I had begun useing the Opt-out option more than a month before as suggested to avoid the overdraft fees. The banker denied my opt out would protect me from these charges as they were reoccurring. I then read him what I had read and agreed to when I changed the overdraft protection in my banking phone to the opt out. He let me know that the bank, at its discretion could decide to pay these transactions, and i would still be accountable for the new balance, and fees. This went against what I opted out of and read twice to the banker. So, I went on to read to him from the Regulation itself - 1005.17 Requirements for overdraft services-. Even though I read supporting information to my cause, he just set my account to not make any more payments to Atm/debit card purchases, and said he would not refund the overdraft fee, and again denied I had any recourse. Below, is how these were copied from my online account page. The banker told me it was the charge for XXXX, and subsequently the charge of XXXX to XXXX that caused the overdraft. All of the charges listed below were charged to my US Bank debit card, and the opt-out was chosen much earlier than this group of transactions. Pending is listed at top and completed is shown below that. I believe US Bank is abusing its overdraft, and using every loophole to still apply every overdraft, Opt-in, and Opt-out. PENDING : XX/XX/XXXX fee Overdraft Paid Fee {$36.00} XX/XX/XXXX ( auto renewal error, transaction N/A a XXXX*subscription XXXX XXXX {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00} XXXX XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$10.00} {$47.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX Card XXXX {$7.00} {$58.00} XX/XX/XXXX purchase XXXX XX/XX/XXXX XXXX XXXX {$850.00} {$65.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A