Date Received: 2022-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US Bank has continually provided inaccurate information to the credit bureaus without providing sufficient validation regarding the alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97015
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were approved for a COVID forbearance program with US Bank on XX/XX/XXXX to suspend our mortgage payments due to a financial hardship caused by the global pandemic. Our forbearance program ended on XX/XX/XXXX and my wife and I called many times during the weeks leading up to the program coming to an end to inform the bank that our financial hardship had been resolved and we desired to restart making monthly mortgage payments. We were told many times by US Bank representatives and relationship managers that it was a simple process to come off of forbearance and all we had to do was call to notify the bank verbally that our hardship was resolved and were ready to resume making our monthly payments towards our mortgage loan. That has certainly not been the case for us. We have been diligently trying to resume making our previous monthly mortgage payments to come out of forbearance. We made our first payment via the US Bank online portal on XX/XX/XXXX and another on XX/XX/XXXX. After numerous calls to various representatives at US Bank we were told multiple times not to make any additional payments as our loan was under review with the loss mitigation department and a decision needed to be made on a repayment plan and the two payments we made in XXXX and XX/XX/XXXX have been sitting in an escrow account during the banks internal underwriting process and have not been applied to our mortgage loan balance. We have spent over 3 months submitting various forms of personal and financial documentation ( credit checks, tax returns, pay stubs, etc. ), which has been more invasive and complicated to navigate than an audit by the IRS in order for US Bank to determine how our forbearance balance would be applied to our mortgage and what repayment plan options would be made available to us. We were told verbally on several occasions by US Bank relationship managers that our repayment options at the end of the banks underwriting process would include the following for us to decide to accept : 1. the past due forbearance balance would be applied evenly to the remaining monthly payments. 2. the loan term would be extended to cover the forbearance balance. Instead, we received a letter yesterday ( XX/XX/XXXX ) from US Bank with the only option for a repayment plan agreeing to repay past due amounts on the mortgage by making additional monthly payments along with the regular monthly mortgage payments. The bank is now demanding that all accrued forbearance payments over the past 18 or so months ( $ XXXX ) must be paid back in full over the next 14 months, which results in a monthly payment 2.5x more than our original mortgage monthly payment amount from {$4600.00} to {$11000.00}. We can not afford this absurd repayment option to almost triple our mortgage payment, which is in complete conflict with US Banks claim on its website that our top priority is to keep you in your home with affordable monthly payments. The banks only options are for us to accept this ridiculous repayment plan or file an appeal by XX/XX/XXXX or they will proceed with foreclosing on our home. The bank has given us 2 days ( until XX/XX/XXXX ) to agree to this repayment plan and send in the first payment of {$11000.00} by XX/XX/XXXX or to reject the repayment plan, which would result in the bank starting foreclosure proceedings. We also just found out today XX/XX/XXXX that US Bank reported my wife and I to credit agencies that we were delinquent on our mortgage payments, which will negatively impact our credit and affect our ability to borrow or refinance our mortgage etc. US bank told us it would not report us to credit agencies until a decision was made on our repayment plan and we have had time to accept or reject their offer, which by the bank 's own letter is tomorrow XX/XX/XXXX. I believe the bank 's reporting to credit agencies during our forbearance program and before a decision on a repayment plan has been agreed to is in violation of the CARES Act. The process to come off of forbearance has been a complete nightmare and my wife and I believe that we were misled by US Bank about the entire forbearance process, which seems predatory to us and should warrant an investigation by your agency into the banks deceptive mortgage practices and scams.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Us Bank My employer had me go to the bank close to his home/office Because of traveling for work and never going there. Direct deposit. Advances and company expenses fuel expenses. Sent through this account. I had been dealing with a battle of reports of a former employer in the same industry of fraud. Bank fraud etc Well after I made original police reports. They spent every moment for nearly 3.5 years to cover it up. XXXX XXXX XXXX was a new employer That we, my former employer and most people in XXXX XXXX industry know one another. My former employer did some things to scare my new employer .. XXXX XXXX XXXX XXXX XXXX while traveling through XXXX Oklahoma XXXX This us bank account was only a week old And needed because my former employer frauded my XXXX XXXX XXXX and so many issues and police not cooperating or persuing my reports to local and FBI That I have had to be responsible for my claims and their fraud So I opened us bank account. Week old account when I went to use my debit card in Oklahoma. My account was closed So I called the XXXX XXXX bank were I opened it only week prior to ask why it had been closed and I needed this account and couldn't get back to that state for long while. The banker said,, " because I wasn't using it '' Well what I found to of truly happened. XXXX owner of XXXX XXXX XXXX, had his buddy personal friend who works there close my account. Out of fear of rumors and cover up my former employer was causing covering their acts up tricking police I'm unsure now in America where folks can do as they please in your bank accounts. Close them. .make charges. Order debit cards for their own use? And the owner.. well victim Had to just be ok with this and let it go Because the police neglected to properly do their jobs and just not believe a few small businesses would do such a thing without a criminal background. And nice people. Is not acceptable for me. It's criminal And Usually law enforcement actually will investigate Not just assume they sound good And innocent so they must be. This is not how the American justice system typically works And I'm now unable to get a normal secure bank account from a financial institution because I'm responsible for fraud claims. I have also reported this to you in the past however My former employers l, XXXX XXXX XXXX XXXX, XXXX Oklahoma local police station refuses to do anything with my police reports or claims Has stopped all processes of legal action. With intentionally stating these people are innocent of reports and claims I'm unsure why But I'm not a liar And I'm unsure why this would continue to be ignored They do still hack and monitor me to Watch what I report To whom I report to And somehow stop me from recieving responses or actual investigations. These are Financial institutions. Federaly insured. So I need help Even if you cant help Could you please forward to the proper authorities or government? With a heads up of Everything I just stated And how these two companies were able to manipulate law enforcement That they are innocent and I'm just fabricating stories To get money out of them or to be vindictive. I'm totally lossed on a vindictive motive.Im not looking to receive money I'm looking to push criminal charges and a few law breakers of state and federal crimes to have to Face consequences of their actions.. I " shouldn't have to pay for others criminal behavior Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I am visiting from XXXX, and wanted to purchase a prepaid XXXX card to make a online retail purchase, as the retailer does not accept credit cards that do not have a XXXX billing address. On XX/XX/XXXX, I purchased {$100.00} on a variable amount prepaid XXXX gift Card from XXXX # XXXX in XXXX XXXX, CA at XXXX am PST. The card is issued by U.S. Bank National Association. The tab covering the XXXX digit number was intact, and the cashier gave me an Activation slip showing the card was " activated '', and had a {$100.00} balance. I went to the card provided website to register the card, and after XXXX or more attempts to register the card, I was directed to call the website. After waiting for XXXX minutes to speak to an agent, I was told that someone had tried to use the number on my card on XX/XX/XXXX, XXXX days PRIOR to my purchase, and my card was no longer active. The card could not be reactivated for me to use, and my ONLY RECOURSE is to have a new card mailed to me within XXXX business days to the XXXX address where I am staying. I am returning to XXXX on XX/XX/XXXX, and the issuing institution is '' unable '' to either provide me with a new card number over the phone for me to use online immediately, or expedite sending me the new card prior to me returning to XXXX, as " their courier can not guarantee delivery from XXXX, FL within XXXX days due to the holiday ''. The card can not be used outside of the XXXX, so I can not have it sent to XXXX to be used there. I essentially have lost {$100.00} XXXX ( {$100.00} plus the {$5.00} activation fee ) as I can't make the purchase I intended prior to returning to XXXX, and I won't be at the address they are sending the new card to use it. The fraud in my situation is not that someone tried to make a purchase with the number on the card I selected prior to being purchased. The fraud was committed when the issuing institution, U.S.Bank National Association, allowed the retailer ( XXXX # XXXX ) to accept payment and provide an " Activation Status Receipt ", knowing the purchaser would NOT be able to use the card until they called the issuing institution to find out why the card didn't work. The issuing institution is essentially stealing my money for XXXX days, and charging me a fee of {$5.00} to earn interest on my money while I wait for them to return the stolen funds. If I had not call them, but tried to use the card at an in person retailer or restaurant, I could have faced humiliation, embarrassment, or even legal consequences as the card I expected to be " Activated ", ( I wasprovided me with a " Activation receipt " ), would have been rejected, and perhaps had no other funds to pay.
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: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX at XXXX XXXX I get a call from a XXXX XXXX out of XXXX XXXX Florida saying Ive been approved for a loan of XXXX dollars they asked for my last four digits of my ss number after I tell them this they tell me to get the loan I needed to make a payment of XXXX a one time payment to insure the loan amount I told them I wouldnt pay it that this is a scam they laugh very loud and hung up on me their phone number is XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called XXXX times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXX monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. I was informed that my account could not be reopened, with no other explanation or options. Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been XXXX XXXX monthly. I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. That is why I filed this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received a US bank triple cash sign up offer via mail. It was a XXXX sign up bonus. I fufilled the obligation and now they state that I only get XXXX and dont have any records of the other XXXX dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XXXX and XXXX of 2021, I had an auto-payment scheduled with US Bank for a credit card. Mysteriously, the bank had technical difficulties in which my regular auto payment did not go through. When I notified the bank that my payments were automatically being reversed, they apologized for the technical issue and then proceeded to offer the reversal of the late payments in XX/XX/2021. However, they still marked a 30-day and 60-day late payment AFTER reversing the late payment as a result of their mistake. When I contacted them, they informed me that there was nothing they could do and refused to close my account after I requested them to do so. Fast Forward to XX/XX/2021, the 2 late payments were removed from my consumer report. However, within 3 weeks US Bank re-added those payments back to my credit report. Therefore lowering my credit score. The second time, I contacted them by mail after the late payments were re-added and they responded in writing that the information being reported is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am currently banking with US Bank. On XX/XX/XXXX there was a fraud transfer on my account in the amount of {$10000.00}. The night of XX/XX/XXXX I called US Bank to dispute the transfer. On the same day my SIM card was hacked with XXXX which I believe is relevant as well as my online banking information had to have been hacked in order to access my account to initiate the transfer which I believe is relevant. Through a almost 2 week process I have called US bank without any updates other than we are trying to recover the funds. On one of the phone calls I was told by one of the representatives that as long as I did not approve of the transfer I would be receiving a provisional credit to my account. Now Im being told by US bank that they wont do a credit with a wire transfer. I have escalated this matter to the highest authority I know how at US Bank and I need some help recovering funds that were stolen from me. I believe US Bank should do something to make this right as I never received any sort of alert that someone was in my account transfer all of the money I had in my account to a different account by the name of XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63366
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited a {$1400.00} check from my school on XX/XX/XXXX. The bank made {$220.00} immediately available after the deposit and claimed the rest would be available the following Business Day. I went to a store and made a purchase then took a cab home. A couple hours after I got home the bank withdrew all of the {$220.00} plus the money I had in my account before the check was deposited sending me into overdraft. The bank then said after me calling them 10 times that I had been lied to and it was 7 Days because of the check amount. They're trying to refer to the United States Federal Reserve 's Expedited Funds Availability Act of XXXX amended in XXXX to clarify wording. The act states the check most be not less than {$5000.00}, the issuing bank must declare doubtful collectability and notification of such provided, balance of account low or overdrawn, new account ( Mines a year old ), check is posted, or the check is 6 months old or older. None of those apply so they are subject to a maximum of a two day hold under the act not 7.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A