Date Received: 2021-11-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XXXX, I purchased a Visa gift card ( XXXX ) from XXXX for {$470.00}. I could tell after opening the card that it had been tampered with as there was really hard glue covering the sercurity code. After scratching the glue of the card the security code was no longer readable ( completely removed ). I attempted to use the card 5 times at a walmart but the magnetic information was also removed from the card. I called US Bank ( XXXX ) customer support at XXXX. I told them exactly the details noted above. They said they would send me a replacement card in the mail. I told them to disable the orginal card since it was tampered with. I received the replacement card ( XXXX ) on XX/XX/18 in the mail. I activated the card and was told there was a {$0.00} balance. I called and was told someone had used the original card. I explained the card was not usable and I didn't even have the security code since it was tampered with. I also informed them that I had been through all of this XXXX days ago. They went through a list of charges and I confirmed it was not me ( since it couldn't be me ). They put me on hold for XXXX minutes as they tried to find someone to file a dispute with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41071
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear officer, I am filing this complain for my US Bank Altitude Reserve card {$400.00} annual fee reimbursement. I called them last month to cancel this card and I was told I would be reimbursed for that annual fee at the following billing statement, and I need to call their customer service to get that {$400.00} credit to my bank checking account or to be sent a check to my house. But today when I logged into my account I can't even see that credit card account. And when I called the customer service they seem like have no clue for this {$400.00}. And right now I feel so helpless since I don't have access to my card nor account information. The physical card was also sent back to US bank as their requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Around five months ago, I opened a US Bank checking account at the XXXX branch inside XXXX. The employee who opened the account for me was notified this account was being opened due to me going through a divorce. It was an account for me to start over with after taking my half of the funds we had accrued On XXXX I deposited a check for {$55000.00} at the XXXX branch inside XXXX. I was told a 7 day hold would be put on the check, but I was given a printout showing specific dates where I would have access to specific amounts of moneyone of them being XXXX XXXX. I was told I had access to {$220.00}, of which I took {$200.00}. The next day I had a negative balance, with an over draft fee. I had to go to the bank to get that taken care of. Then the day XXXX was promised access to more of my own money cameXXXX, XXXX XXXX. I had a negative balance and XXXX available funds. Then I realized it was a bank holiday, despite the fact that it was printed and highlighted as a day I was supposed to have additional access by the bank itself. The next day I went back and forth on the phone with various employees after being very upset discovering I still had a negative balance. I was also told the back office had put an extended hold on my checkto the tune of another week. I had not been notified. I eventually spoke to the branch manager of the XXXX location, who I found was the employee who helped me, as she mentioned that. She stated she remembered my situation, and stated holds are often put on new accounts with no activity. Then she stated she and employees at that branch had tried to reach out to me multiple times but were unsuccessful, and had shredded my card. I dont recall getting but one phone call, but I had anticipated my card in the mail. I asked her what that had to do with my current situation, and felt she was trying to imply this was my fault, which she denied. I understood at this point that they would be holding my large deposit as long as possible now. Since Im in the process of switching to direct deposit, I deposited my paycheck in person. I was told a one day hold would be instituted, but that in the meantime Id have access to {$220.00}. Once again, I took out {$200.00}, checked the app afterwards and it showed I have a balance of {$26.00}. The next morning, I have a negative balance, and another overdraft fee. I call the bank, and they waive the overdraft fee, and state they havent received the funds yet, but if there is no stop or hold on the check, I should see my funds by today. I was notified by another banker that the same type of hold was put on this last check, but it didnt say how long it would be. Today I found that, once again, without notice, my second check is being held until the XXXX. Using this bank has brought me copious amounts of anxiety, and I hugely regret trusting them with my finances. Im so nervous due to being given false information that Im trying to put together back-up plans in case I dont receive my funds, and have started searching for legal counsel. This is truly the worst experience Ive ever had with a bank. Using a new account should never affect your mental health or affect your quality of life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been trying to make additional payments towards the Principal of the loan, but after multiple contacts to the lender, they continue to apply these CLEARLY marked payments as monthly payments and reduct interest charges from them so the Full Amount of these Principal Payments Only are NOT applied to the balance of the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a postcard from USBank thanking me for applying for a checking account on XX/XX/XXXX. The applicaton number is XXXX. I didn't apply for this checking account. Also on XX/XX/XXXX a XXXX credit card application XXXX was applied for. I didn't apply for this credit card. Bothe the checking account and credit card applications were denied by US Bank. My social security number and personal information were used fraudulently. I want the hard inquiry to be removed from all my credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX did not sign any contract with XXXX XXXX XXXX and this is fraud. I am the affiant and consumer and I know the this is an alleged debt pursuant to 18 U.S. Code 8 - All debts obligations of the U.S. and its corporations, and the instrument with my signature was the payment for the alleged debt. Notice that it is a fact that the affiant has reason to think and does believe that XXXX XXXX XXXX XXXX is a debt collector as defined in 15 U.S.Code 1692a ( 6 ), which includes any creditor who, in the course of collecting his own debts, uses any name other than his own, as shown in Exhibit ( A ), which would indicate that a third party is collecting or attempting to collect such debts by buying, selling, or moving products, services, or money across state borders, or by using interstate commerce or the mails in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, or who regularly collects or attempts to collect debts owed or due or asserted. Notice, it is a fact, that, I, XXXX XXXX XXXX XXXX XXXX am aware that XXXX XXXX XXXX XXXX is a debt collector by the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce, such as the mails, in any business which the principal purpose is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. See Exhibit ( A ) Notice that I, as agent for principal XXXX XXXX, am aware that XXXX XXXX XXXX XXXX is a " debt collector '' as defined by the law. A debt collector is defined as anyone who uses an interstate commerce instrument, such as the mails, in any business whose primary purpose is the collection of debts, or who regularly collects or attempts to collect debts owed or due or asserted to be owed or due another, according to 15 U.S.Code 1692 ( a ) ( 6 ). Check out the exhibit ( A ) It is a truth, and the affiant is aware of it, that you can not practice law and collect a debt at the same time without being a debt collector. This is a breach of 15 USC 1692e ( XXXX ), and I, the affiant, do not wish to talk with this third party because they were not involved in the initial transaction, and I do not consent to this third party being involved in my affairs. This third party 's testimony or representation would and will be regarded hearsay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Back on XXXX XXXX our loan modification was completed and filed ( attached ). We were having difficult times financially that led us to contact our lender for help with options. I was told about loss mitigation which would move our missing payments to the end of the loan. At the time to even qualify for loss mitigation we needed to be current which we were. We had to go delinquent to qualify for loss mitigation with only the goal to try and bring down the mortgage payment. We went delinquent for 3 months as required and then started our new trial payments. We missed no payments other than those to qualify. I believe I was mislead on the impact of what this process would do and what the $ XXXX was for on the deed of trust partial claim. Our mortgage when all said and down went down only around {$60.00} a month. The loan modification/loss mitigation process would essentially cost us $ XXXX for ultimately no real benefit. The amount was deceptively misrepresented and predetermined and not reflective of the situation we were in at the time which was only delinquent for 3 months to try and get the lower mortgage. We were never near foreclosure or not paying during these times. Now fast forward to XX/XX/XXXX we are selling and 2 days away from closing and see that we owe $ XXXX to HUD for a partial claim when we never needed any help close to this amount. At a minimum we would have expected 3 months worth of payments to be moved to the back of the loan ( $ XXXX ) and understood from the representative this $ XXXX number to be a max allowed to cover us if we did go deep into the need which again was never the case. Im essence 3 months of payments cost $ XXXX. There is again no mention of how this number was determined or why or the timeframe of consideration or current amounts due. I feel we were deceived snd mislead. Had I been told the full ramifications and impact that these minimal savings a month would cost us $ XXXX at any given time over the course of my loan I would never have done it. We are now one day from closing and have no choice but to proceed. Sadly I first received a letter from XXXX claiming to be our new serviced I assumed this was fraudulent as US Bank never notified us of anything. Then I received the same letter from ISN less than a week letter confirming in my mind the letter was a scam. When logging into my US Bank account for the past few years I see no mention anywhere of a second mortgage. Theres no indication of a second mortgage anywhere including my credit reports. Our investment in our home has essentially been stolen from us by US Bank in the way this was prepared and communicated. Our lifes financial investment gone in what we thought would be a our first real shot at a nest egg. We get very little. I hope that your offices can help us recover wherever we can after the fact. We close tomorrow with no other recourse as US Bank is claiming this is accurate but does not reflect an amount or time factor that was even close to our situation. Please help if possible. We have been stolen from. Thank you in advance for anything you can do. More details available if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I want to change the phone number on my business checking account, and I can't. It says I have to go to a branch. The nearest branch is ~1000 miles away. Why did they even open this account if they cant service it?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a Small Business Checking account. Did an ACH deposit for the opening. Trying to deposit a check, using mobile, and there is a limit of {$500.00} a day on deposits. The option the company gives, is to visit a branch. The nearest branch is XXXX1000 miles away. https : //answers.usbank.com/answers/s/article/What-if-my-check-exceeds-my-mobile-deposit-limit-and-theres-no-branches-in-my-state As you can see, since I don't have an ATM or Branch within 1000 miles, and it is a business account, there is no way to deposit money. The website says they can only accept mailin checks for personal accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I Who bank information has been leaked by the bank, was trying to get a debt consolidation loan. not only washtingn state XXXX, so did XXXX Washington state. before i even get in the bank people is calling out my info, not the bankers the customers. when i applied for credit card that said i did qualified for it and now 2 months later they wet fro XXXX to XXXX unless one of te bankers lied. said i qualified for it. on day f application a XXXX and banker saying XXXX word and banker said don worry we wont him get it, we trying to start a race war with him. red line. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX wa us bank mortgage. then yall keep locking my account for no reason so i wont make payments despite meeting the standard ad requirements they denied me cause of my real XXXX not XXXX op XXXX race. i know y'all XXXX XXXX XXXX claim y'all want war but y'all need to feed nd absorption profile my system first. that a simple fix.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A