Date Received: 2021-10-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I closed on selling my home in Colorado on XX/XX/21. Since closing, I have called US Bank Mortgage to request a refund of any remaining escrow, to verify that the correct payoff amount was given, and to update contact information for any correspondence that may necessary to refunding my escrow account. Since XX/XX/21 I have tried calling their mortgage customer service number 3 times and each time I can not get any person to talk with me. Ive been on hold for 25 minutes, 8 minutes, and 21 minutes. Ive called the main US Bank phone number today, XX/XX/21, and the representative tried very hard with different numbers she had available to her and we still could get no one on the phone. I reached out to their corporate number to complain and seek resolution, but the corporate number redirects to the 24/7 general customer service number. I can not reach anyone in their mortgage department and the customer service representative today was unable to do so, too. They have no email address for customer service or any other means to contact the mortgage department beyond the 800-number than no one ever answers. I can not even leave a message anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/ I received a letter from Usbank that my child support that was on their reliacard will be closing as Wyoming was not going to be using usbank any more. I was incarcerated in XXXX XXXX at the XXXX XXXX XXXX XXXX. I had contacted them with my caseworker so i could see how to received my remaining funds, they told me a check would be issued 5-7 days. I had called after several weeks had gone by because i had not received by check from my remaining balance of {$280.00}, they said it may have went to my old address they would trace the check. I received a slip that the facility had received the check the same time i had talked to them about tracing the check. I contacted them the next day with my caseworker, they said have the facility cash the check which they deposited it. I received a second check a few days after that contacted Usbank with a casework on XX/XX/ they said yes both checks where cashed and i know owed them {$280.00}, so i contacted my casework and we called my daughter in law to send them a bank money order to usbank so i would be doing the right thing and returning them the money, my daughter in law went to the bank that same day and got a bank money order for {$280.00} and sent it certified mail, but a few days later the money was pulled back off my account for check number XXXX i have been contacting them right after XX/XX/ to get my payment back they tried to say the facility had it but the facility worked with me and gave me the stop payment letter from the bank. The bank refused to send me my money back. I have tracking where my money order to them was signed by their employee, i have the stop payment from their check. I have emailed copies of all this numerous times to usbank employees, called numerous times, went into the Usbank. I went into the pinnacle bank which is what the facility uses and they have gave me copies of the stop payment so i had paid them back from one that they stopped payment so i wouldn't owe them and they are kept my money and wont return it!!!!! They wont even trace it to see that they stopped payment even when i have gave them a copy several times of the stop payment, XXXX XXXX is saying that usbank stopped payment and that is why they pulled the money off my account and usbank saying they didnt stop payment so im out because they cant figure it out after i provided all the documents from them both! I just want my {$280.00} back that rightfully belongs to me 3 years waiting is to long especially after notarized letters i have sent and the numerous amounts i have sent them documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 822XX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on US BANK. Also, I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a pre-paid visa gift card for my graduation in XXXX. I received 10 different gift cards from different friends without the receipt of purchase attached to the card. this one I'm having problems with said this gift card is between $ XXXX so I'm not sure how much was in here. I tried using the card at multiple different places in store however it continuously was declined. my last declined transactions was at ride aid for {$71.00} and home goods for {$32.00} and after that I contacted visa. I contacted them on XX/XX/XXXX and I have not received worst customer service than this. I spoke to a customer service rep who told me I needed the original receipt and needed to contact my friend who got me the card to verify the gift card and was hung up on ( even though I was able to verify the declined transactions, they still told me they are unable to verify the Acct ). the second time I called and spoke to another representative, I was still able to verify the tractions and she still asked me to fax her the original purchase receipt ( the lack of communication here was very frustrating because I stated multiple times that I don't have a receipt as I did not make the purchase ). I asked to speak to the supervisor since this representative was not listening to me at all. she said because my account is not verified I AM UNABLE TO SPEAK TO THE SUPERVISOR. what kind of a customer service is this. This is the reason why I am so hesitant to get a VISA gift card for friends. because they make your life a living XXXX to give you what is yours. I'm writing this complaint to get a chance to speak to someone from visa who would actually listen and verify my information. I'm a medical professional and I don't write complaints unless it's very necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to U.S Bank but they were no help Thank you. US BANK HOME MORTGAGE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I bought my house in XXXX I was forced to file for bankruptcy. Chapter XXXX. Reorganization. I lost my job and was denied unemployment due to Covid 19. Local agency actually did not help me in any way. They made it very difficult on me because I complained about them on social media. So I was working for temp employment agency. I only worked part time 24 hours a week. US Bank would denied me loan modification. So I was forced into bankruptcy to save house. I struggled to make the trustee payments. I kept making trustee payments but was unable to make US Bank mortgage payments. I recently on XX/XX/XXXX signed on full time with company offering full time wages and benefits. As soon as they could legally US Bank filed to remove me from my home. Even though I just started working and requested loan modification application. They made me wait 1.5 hours on phone only to be told they can not let me fill out anything electronically. They will mail me application. They lied. They never mailed me anything. Except court papers to have me removed from my home. Even though I can afford to pay them now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Us Bank. On XX/XX/XXXX I realized my account was frozen and they stated it was due to the irs trying to take out XXXX XXXX dollars so it got froze due to suspected fraud. I later received my check from the irs for XXXX XXXX. The bank advised me that my account would be closed and the money that was in my account would be sent to me in a check. I received a letter stating I would be getting my money as well. However here we are on XX/XX/XXXX I went to the bank and they told me they dont know where my money is and there is nothing they can do or say to resolve the issue. I have XXXX in that account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX i went into XXXX XXXX XXXX XXXXXXXX ,ny around XXXX XXXX .i went to with draw frow us bank relia card with bank numbers starting with XXXX ending with XXXX custumer id # XXXX. I asked for XXXX they deucted the money off my bank card i never got it. XXXX XXXX. Told me they were going to put the money back on my card of XXXX and XXXX. From XXXX XXXX. I ask that to be refunded to my us bank relia card of bank card number XXXX XXXX XXXX XXXX XXXX was the bank teller at XXXX XXXX. Transaction number cid # XXXX. i need alll this to be refunded to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX Sent {$700.00} credit card payment to U.S. Bank XXXX U.S. Bank only credited my account {$100.00}. {$100.00} applied left a balance due which incurs an interest charge, instead of {$700.00} that covers total balance avoiding interest charge. XXXX XXXX Received new bill and caught error. Called U.S. Bank, rep. XXXX who advised since posting matched amount my bank deducted from my checking account nothing can be done to avoid the interest charge. I won't pay interest for their error. Please help. 1
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73160
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A