Date Received: 2021-09-27
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: US Bank refuses to acknowledge and pay off my car loan. My loan for a vehicle through US Bank has been paid off by my insurance company 4 times. Every time we call them they say they have no record of the check, they lost the check, or mailed the check back to the insurance company ( the wrong insurance company, XXXX when I have XXXX ) because they couldn't tie it to my account. However, if they couldn't tie it to my account how do they know they sent the check back to my insurance company. Below is a history of payments made to US Bank by XXXX XXXX. All payments have been overnighted and signed for and all of them have disapeared or they don't understand what to do with them. The last payment was overnighted on XXXX. This is the 5th payment to US Bank. US Bank says they have no record of this payment and still are not showing it paid off and charging me interest. I need help getting US Bank to say they received the payment, pay off the loan, mail the overage in payment and the title immediately. This has been going on since XXXX and we can not get US Bank to pay off my loan and complete the pay off procedures. Please help! Thank you! XXXX, BlaineXXXX XXXX XXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$7100.00} XXXX, BlaineXXXXXXXX XXXX Invoice Number : XXXX Stop Reason : Other Payment # : XXXX Payment ( {$7100.00} ) XXXX, BlaineXXXX XXXXXXXX Invoice Number : XXXX Payment # : XXXXPartial Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Stop Reason : Other Payment # : XXXXStop Payment ( {$15000.00} ) XXXXXXXX , BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$1100.00} XXXX, BlaineCXXXX XXXX Invoice Number : XXXX Payment # : XXXX Payment {$600.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$64.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXSupplemental Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Stop Reason : Other Payment # : XXXXXXXX XXXXent ( {$15000.00} ) Paid to Date XXXX {$17000.00} Collection Amounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76904
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hi, I am writing about a issue with US Bank. My issue is with XXXX XXXX XXXX, she is a XXXX XXXX. My issue is this loan process is taking too long, there has been too many mistakes, the information that was sent to escrow was incorrect. I have to correct XXXX a number of different things. On my initial visit I spoke with XXXX at the XXXX branch, XXXX was writing down my information and I disclosed to him that I was part owner of my business. XXXX already knew that information before our meeting. Now after I sent all of my personal information in your portal XXXX is just now discovered about the XXXX and she is asking all this information. I feel like I am starting all over from scratch. I had to wait almost a month to get the appraisal on the land after I was rushed to put in my personal information in your portal. I was told by XXXX she discovered me being a XXXX XXXX from a side bar conversion with XXXX XXXX. It is my opinion that if XXXX was doing her due diligence and I was receiving professionalism this would have never taken place. It is also my opinion that I am being profiled because of my ethnicity. My issue is time sensitive due to the lot I am trying to purchase. The XXXX housing market is still hot and I don't want to lose this lot due to the poor service I am getting. I have been trying to close this loan for close to 2 months. I hope to get a phone or email about this issue soon. Regards XXXX XXXX XXXX Email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98108
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US Bank is saying that I have a credit card with them and I donot I try o get US Bank to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.US bank saying it have been open for six months. never been use
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I recently divorced XXXX XXXX and he is not happy with our divorce outcome, and i believe him to be the culprit for identity theft for me and my family. I found a user name on XXXX that i did not create, but 1 letter off from my typical user name. I reset the password and have been cleaning it up, but I can not keep any bank accts or Cc safe. They are constantly being compromised, alerts changed, money transferred out, etc. XXXX address and moms address showed up on my Acct as well as tons of alias and old employers that were spelled incorrectly and from prior to me opening my own business. Can you please help me obtain all the credit inquiries/accts that are associated with these incorrect details from my credit report? Ive never lived at either of these addresses. XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX, Ca XXXX This is my business address from XXXX to XXXX. I was told by XXXX XXXX that a XXXX loan was taken out in XXXX and paid in XXXX, but that may have been my ppp loan. However, i did not use the XXXX address for my ppp loans. I closed my XXXX XXXX in XXXX. I found a business credit website that showed my name and social as a business alias and so Id like to run a check against my business too please. XXXX XXXX XXXX. ( XXXX ) XXXX Some other issues are My phone and computer are hacked, same with email, all accts, XXXX has a fake Acct set up, most do including XXXX XXXX XXXX XXXX. Edd has an Acct with each email address of mine ( 5 ). I let them know but they only see one claim. My dad has fraud on his Acct too, and i suspect XXXX will frame me to be the one who committed these frauds, which i would never do. Ive been having cash stolen from my purse too. Today, {$500.00} was stolen from inside my dads house while i was out back with him. Two nights ago while i was sleeping {$1000.00} was stolen from my purse. I have no safe bank accts, and cant hang onto cash, so Im getting frustrated and my credit score is down 100 points since XXXX because i cant pay my bills. My internet hack is preventing me from security thats reliable. Us bank denied my XXXX claim. I loaned a friend {$1000.00} through XXXX on XX/XX/XXXX. That week 2 more {$1000.00} payments came through and a {$500.00}. Us bank says the three {$1000.00} transactions were reported first ; then the {$500.00}. I never reported the legit 1st loan pmt, but did call in the fraud and they added the {$500.00} without realizing the others were reported and included my pmt to XXXX XXXX. I believe it was identity theft report I also saw that checks my dad wrote to his house keeper were deposited into two banks, but she has XXXX XXXX, so XXXX in XXXX XXXX likely has an Acct open of mine but identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I startedMy issues with my US Bank XXXX began a couple of months back when someone obtained my information and began to charge my card with transactions that I never authorized. I have not determined exactly who this person is, only that my life has been completely turned upside down by their illegal actions. I have tried to resolve and escalate this issue that is from XXXX of 2021-XXXX of 2021. I would like a complete investigation into these charges, which have now reached hundreds of dollars, and occur within minutes of each other every few days. I have attempted to freeze my card to allow your customer service department the chance to fully complete their investigation, except the original four hour phone call and report was lost in the system and my card started to ONLY freeze when it was ME that was trying to utilize it. I have been personally declined online and at atms and my balence still continues to decrease. I am now unable to use my own card, which I still have in my possession yet this person or people who have taken so much from me continue to be approved for hundreds of transactions using XXXX XXXX and not even requiring my card to be present or my signature. In the month of XXXX alone there were almost {$900.00} in charges! There has to be a way to find out who owns the devices that download these games from XXXX and from there they can be charged with Grand Theft and stealing my information! It should be that easy. You can easily review my account to see where these types of transactions started and it should be a simple trail from XXXX to this person or persons devices. I have also elected to file a police report as well. I am going to be unable to pay my rent if this isn't handled now. You can not imagine my frustrations with a company that has in the past used my behavior to determine if anything might be out of the ordinary and shut my card down temporarily until I reached out and had it unfrozen, yet continues to see twenty transactions in a row for XXXX games like XXXX and XXXX at all hours of the day and night! I am XXXX years old with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since COVID. What on earth from my past usage of this card screams out that it is " ordinary '' for me to waste almost XXXX XXXX dollars on this nonsense? I have tried unsuccessfully on several occasions to work with your reps via phone only to be disappointed at the results yielding nothing but more loss. I am now writing to request a formal investigation of the transactions that I have attempted to stop for months now. I have provided the entire list from the time I initially became aware and tried to call and file a complaint with the request that you cease any and all transactions related to XXXX XXXX and subscription services.Cancel anything listed that may reoccur and allow me to access my funds without more loss from these crooks. I can be reached and will be happy to help in any way to bring whomever is doing this to court and will hope they are procecuted to the fullest extent of the law. As the total amount of fraud is over {$950.00}, I assume that it will be considered Grand Theft. It would make me feel much better knowing that they will be punished for violating my personal financial comfort by stealing from me at such insane levels.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In XXXX, I sent a paper pay check, to the Bank-by-mail address for U.S. Bank for {$190.00} XXXX I did not deposit the check through the mobile application since the application was having issues, and there were no U.S. Banks in the state where I was attending college. The check never was deposited into my account, so I spoke to bankers in XXXX & XXXX at their general customer service line who informed me that 1 ) the check would eventually be deposited since there may be delays or 2 ) to call my employer and just ask for a new check. I contacted my employer, who investigated and concluded that my check was indeed deposited into an account so they could not issue me a new check. On XX/XX/XXXX, I called U.S. Bank who informed me that they would credit my account with an adjustment within 3-5 business days, and they finally determined through the check number that a banker accidentally deposited my check into the wrong account number. They also stated that they would call me within 3 days to follow-up. However, that never occurred. On XX/XX/XXXX, I called and another banker attempted to do the adjustment, but that never occurred. On XXXX, I called and another banker attempted to do the adjustment for within XXXX business days, and that never occurred. On XXXX, I called, and this banker ( XXXX ) opened an investigation and informed me that I would be receiving a provisional credit within XXXX business days. On XX/XX/XXXX, I called to ask for this information in writing or an option to send this in writing, and the banker informed me that the bankers have back-to-back calls and do not have the time to send confirmation in writing to customers. On XX/XX/XXXX, I called and spoke to a banker named XXXX, who stated that the deposit would now occur on the XXXX business day ( XX/XX/XXXX ) to allow for processing on the XXXX business day. This never occurred. On XX/XX/XXXX, I called and spoke to XXXX, who emailed the ACH department and provided me with their phone number since I had not received my provisional credit or any information related to the investigation. On XX/XX/XXXX, I called the ACH department and spoke to XXXX, who emailed a different department, and informed me that she would call me later that day or the next day. She informed me that XXXX accidentally filed my dispute investigation claim incorrectly, so this is why I have not received my provisional credit. This follow-up call never occurred. On XX/XX/XXXX, I called the ACH department and again spoke to XXXX, who informed that she would put me on a brief hold so that she could speak to her manager. Instead of putting me on hold, she immediately transferred me without informing me to another banker. This next banker informed me that this may not be an issue that has anything to do with the ACH department. They also stated that they would put me on a brief hold so that they could figure out how to resolve this, but again, instead of doing this, immediately transferred me without informing me to another banker. This next banker informed me that I would not be receiving a provisional credit after 10 business days of an investigation since provisional credits are only for credit card or debit card transactions. I read to her the Regulation E guidelines and the information from the U.S. Bank Digital Services agreement, which contradicted her statement. Then, she stated that I should go into a physical branch, and they would be able to provide me with this provisional credit. I reemphasized to her that the reason I mailed the check is because I am in a state without a U.S. Bank. Then, she stated that they had just opened a branch that is a three-hour drive away from my city. I informed her that I did not have a car, and I was not going to drive that amount of time even if I did. Then, she suggested that I call the Bank-By-Mail branch to have them issue the credit. When I told her that there is no phone number for this address, she then discovered that this bank-by-mail location can not be contacted by phone number. Then, she informed me that she would file a new investigation that if I agreed to, I would not receive a provisional credit and it would take somewhere between 30 - 90 days. I declined this since this has been going on for months, and I asked her to escalate this situation. She could not do so and stated that she could not help anyway else, so I immediately contacted the ACH department again. This banker stated that XXXX manager had contacted the XXXX yesterday, and the CCU should be calling me by Wednesday. They also stated that the previous banker 's recommendations would be a waste of my time, and that the previous bankers are trying to " give me the run around so they don't have to do anything. '' I informed her that I have been repeatedly told that I will be followed-up with but they are unable to do so at any point, so I requested their phone number for when they do not call. She could not provide this. This is absolutely ridiculous that I have spent hours over months requesting that U.S. Bank deposits a {$190.00} check when 1 ) I have a picture of the check and 2 ) their Bank-by-Mail service caused this error as they deposited it into an account that is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: Purchased an XXXX puppy named XXXX on XX/XX/XXXX. {$1000.00} payment sent to XXXX XXXX at XXXX through US Bank XXXX. Transaction completed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. Puppy was to ship within 2 hours per website and XXXX XXXX. I contacted him several times and was told it takes time to process paperwork. My daughter called next morning at XXXX XXXX & spoke to XXXX. Told her the paperwork takes time, that I would hear from the shipper in a couple of hours. Three hours later I receive an email from XXXX XXXX XXXX XXXX XXXX XXXX with info puppy would be shipped at XXXX, arrive at XXXX. Delivered to my home. Received another email from them, requesting {$1400.00} for transport crate and I would be reimbursed when puppy was delivered. I thought they meant {$14.00} and sent another XXXX payment of {$14.00} to XXXX XXXX, XXXX email XXXX. They sent an email back stating the cost of the crate rental is {$1400.00} not {$14.00}. I emailed them back and told them the seller was responsible for shipping the puppy to me and to get the money from him. They responded back they would not ship the dog and did not refund my {$14.00}. At this time knew I had been scammed. Reported to US bank on XX/XX/XXXX. Did not hear back from bank. Met with a banker on XX/XX/XXXX and they will not refund my {$1000.00}. I want both web sites removed from internet and prosecuted to the fullest extent of the law : XXXX XXXX XXXX & XXXX. The above information was sent to the Federal Trade Commision. Also, was told by a XXXX customer service representive, XXXX, who helped me set up the XXXX account I would be able to get my money back. I met with banker at US Bank, XXXX XXXX, on XX/XX/XXXX and was told I can not get my money back. The bank never made contact with me after I report the scam/fraud issue to them. I called a week later to insure my claim was being investigated and was told it was. I would have reported this sooner had the bank contacted me. Someone there dropped the ball. I never would have sent any money to anyone without assurance my {$1000.00} would be refunded to me if there were any problems. US Bank obviously supports the use of XXXX and should be held accountable to refund my {$1000.00}. Thank you very much for any help you can give me in recovering the money I was scammed out of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I issued a check # XXXX on XXXX assigned to XXXX XXXX. This check shows on my online register as honored by US Bank. The Company assigned did not endorse back of check, instead initials were present. No Bank stamp showing how/where check was cashed. This check was cashed illegally. I have requested an explanation of how this was honored? I feel US Bank failed to protect my account by illegally processing. I have requested in writing and e-mails to US Bank Fraud Div. and have not received a reply. I have further found the assigned Company was fraud. An Attorney 's name was used in this scheme and I have also contacted : 1. US Treasury 2. US Postal Service 3. California Bar Assoc. 4. XXXX XXXX District Atty Office 5. XXXX District Atty Office 6. XXXX XXXX XXXX. 7. XXXX XXXX XXXX 8. California State Atty General Fraud Div. 9. FDIC Due to this error by US Bank and their failure to assist me, I have closed the checking/savings/debit/visa accounts that I have had over 25years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021 a fraudulent transaction was posted on my credit card for {$140.00}. I did not make this transaction and my email and address information has been changed so I never received a statement. When I found out on XX/XX/2021 because I saw that my credit dropped and saw what card was impacting me. I reached out and filed a dispute and updated my information. On XX/XX/2021 a letter was issue to me from card member service saying their research was completed that the claim I issued has been credited back to me and it was final. I received two late payments on my credit which had impacted my credit score but needs to be remove because it was a fraudulent transaction that took place on that credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/2021 I deposited {$1300.00} to My us bank checking in cash to pay for My laptop for college at XXXX. my card was being declined at XXXX XXXX so i called US bank who told Me I hit My spending liMit for today using the card so i would have to wait another day just to Make a purchase. well as soon as i go hoMe i see a {$700.00} charge froM XXXX and us bank just took its provisional credit back and charged Me fees for a fraudulent charge WHICH IS UNACCEPTABLE. now i will be reported to XXXX if us bank doesnt fix the error! I will be going to another financial institution and thats what I RECCOmmEND FOR EVERYONE ELSE! DO NOT PLAY WITH US B
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55125
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A