Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by US Bankcorp and XXXX XXXX. This is under 15 US Code XXXX XXXX. XXXX XXXXXXXX inquiry happened on XX/XX/XXXX and XX/XX/XXXX. US Bankcorp inquiry happened on XX/XX/XXXX. There are late payments on my credit report. I wasn't notified within 21 days according 15 US Code 1666. My student loan ( XXXX ) was forgiven by Pres. Joseph Biden. The report is showing the amount of {$140000.00}. I found inaccuracies with an collection account XXXX XXXX XXXX under US Code 1666
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The CFPB today ordered U.S. Bank to pay nearly {$21.00} XXXX for keeping out-of-work consumers from accessing unemployment benefits at the height of the COVID-19 pandemic. XXXXXXXX XXXX XX/XX/2023 XXXX Views Replying to @ CFPB No file chosen consumerfinance.gov @ CFPB XXXX U.S. Bank froze tens of thousands of accounts. However, it failed to provide people a reliable and quick way to regain access. The bank also failed to provide provisional account credits, while investigating potentially unauthorized transfers. consumerfinance.gov @ CFPB XXXX Todays order requires U.S. Bank to pay {$5.00} XXXX to consumers harmed by its actions and to pay a {$15.00} XXXX penalty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am the executor of the Estate of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX, deceased XX/XX/XXXX, duly appointed executor by XXXX XXXX, Washington, XXXX XXXX on XX/XX/XXXX. The estates papers showed the deceased had a bank account at USBank, Account # XXXX with a balance of {$36000.00} a/o the bank statement dated XX/XX/XXXX. Upon requesting access to the account, USBank informed the executor that the account had Beneficiary Designations signed by XXXX XXXX assigning XXXX of his daughters as account beneficiaries. A copy of the Beneficiary Designation was requested, but USBank informed the executor that would require a subpoena. A court-issued subpoena, specifically requesting " All documents showing beneficiary designations for any account held by XXXX XXXX XXXX '' was duly served on USBank 's legal representative in XXXX and in response, USBank produced some documents but no Beneficiary Designation document. USBank further claimed that it has now produced all documents that it has in its possession relating to the XXXX XXXX XXXX account. Absent the production of any document authorizing USBank to disburse elsewhere any funds in the XXXX XXXX account ( {$36000.00} per the XX/XX/XXXX, bank statement ), USBank should disburse those funds without delay to the XXXX XXXX XXXX. 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: WA
Zip: 98026
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: ON XX/XX/2023, I CONTACTED US BANK TO REPORT A SCAM/FRAUD THAT HAD TAKEN PLACE ON XX/XX/2023. AT APPROXIMATELY XXXX XXXX, WHILE SHOPPING AT XXXX OFF XXXX, LOCATED AT XXXX XXXX XXXX, XXXX, GA, I WAS UNEXPECTEDLY APPROACHED BY XXXX ADULT, XXXXXXXX XXXX XXXX WHO ASKED FOR MY ASSISTANCE IN BEING AN UNBIASED WITNESS TO THEIR XXXX GAME. THEY HANDED ME A PLATE SWITH 3 BOTTLE TOPS ON AND A WHITE BALL ON IT. AFTER PLAYING, THE BAD ACTORS ATTESTED I HAD WON {$2000.00} FOR GUESSING WHERE THE BALL WAS, THOUGH I WAS NOT INVOLVED IN THEIR GAME. THEY ASKED ME TO PROVE I COULD COVER THE {$2000.00} BY SHOWING MY ACCOUNT WORTH AT LEAST {$2000.00}. I SHOWED THEM MY ACCOUNT WITH THE FUNDS IN IT. THE BAD ACTORS TOLD ME TO TRANSFER FUNDS INTO AN ACCOUNT AS AN ESCROW FOR THE SAME AMOUNT IN CASH IN ORDER TO GET MY WINNINGS. AFTER ASKING A CASHIER TO CHECK IF THE FUNDS THEY HAD WERE REAL, I DID SO. THE MAIN BAD ACTOR THEN STATED I WON {$6000.00}. HE HANDED ME THE {$2000.00} AND ASKED TO TRANSFER ANOTHER {$4000.00} TO THE BAD ACTORS ACCOUNTS. ONCE I DID SO, HE HANDED ME ANOTHER {$6000.00}. THE BAD ACTOR CHANGED WHAT HE STATED AND SAID IT WAS TOO LATE TO GET THE FUNDS BECAUSE IT TOOK OVER XXXX MINUTES AND SNATCHED THE MONEY OUT OF MY HAND, STATING THEIR WAS A TIME LIMIT. I REPORTED TO THE CASHIER THAT I HAD BEEN SCAMMED OUT OF MONEY AND TO THE XXXX XXXX POLICE DEPARTMENT. WHEN I ATTEMPTED TO GET MY FUNDS REFUNDED FROM THE BAD ACTOR 'S ACCOUNTS, MY CLAIM WAS DENIED BY US BANK WITHIN 48 HOURS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To Whom it May Concern- I am a husband and a father who has worked his entire life to provide a quality middle-class life for those I love. To US Bank I should be viewed as a quality customer/client/consumer of financial products. But US Bank has proven to have complete disregard for what I have worked at for my family by creating massive consequences in my small consumer life due to negligence on their end. Furthermore, after the fact being completely dismissed by US Bank with my issue despite support and validation from their own employees on the mistake that was made. As a simple consumer vs a massive organization like US Bank it is a paralyzing and helpless feeling to be treated how I have been treated and watch an organization, whos tag line is the power of possible, helping consumers achieve financial goals big and small ruin my familys ability to consume and be totally dismissed over the issue. My wife and I have spent 42 years ensuring that we are credit worthy consumers. Weve never missed a payment on anything. Not on a credit card, a mortgage ( we have over 20 mortgages currently ), a car, a boat, a HELOC, a medical bill, not even a phone line. Both my wife and I have put value in our mid to upper XXXX credit scores. We have been US Bank clients with a mortgage since XXXX when we purchased our most recent personal residence and have utilized a personal wealth advisor sine XXXX for financial advice and an XXXX open line of credit. As a mortgagee we have a jumbo loan for around XXXX on a home that is valued at XXXX which results in monthly payments of principal and Interest of about XXXX. We have automatic payments set up and have never missed a payment. Regarding my personal wealth advisor, I had an open unsecured line of credit for XXXX that Ive renewed annually for XXXX years. I would provide a log of payments made but I cant because this account has been closed by us. I encourage you to look at our payment history as proof. So What Happened? In XXXX, which is usually around when we renew our open line of credit, we never received the information usually initiated for the renewal by XXXX XXXX. So as a good consumer, knowing this had to be coming, I then attempted to contact XXXX. I was informed that XXXX no longer works there and was sent onto his replacement XXXX XXXX. At that time, XXXX XXXX took over my account and we started to explore the opportunities to renew the line of credit, close the line of credit or transition the line of credit into a XXXX, given the large equity position we have in our home ( whom US Bank holds the mortgage to ). At that time there was a small balance of about XXXX ( on an open revolving line of XXXX ) left on the line of credit which we were told a payment didnt need to be made until XXXX XXXX explored all of our financial product options so long it was before the end of XXXX because if we renewed or moved to a different vehicle the balance would be transferred. When we heard back about the options, we had to choose from we collectively decided to simply close the open line out given the state of interest rates. XXXX XXXX, proceeded to advise us to pay the outstanding balance at that time. Within 24 hours, I then logged into my US Bank account which was before the end of the month and did what I was informed to do and paid off the outstanding balance that was listed on our line of credit, below our mortgage line, which was labeled outstanding balance and there was no more amount due after the payment. Fast forward XXXX weeks and I was notified by my credit reporting company that monitors my credit, that my credit dropped nearly XXXX points due to a missed payment ( my wifes has been massively affected as well ). This was incredibly concerning to me, as stated before, I have never missed a payment in my life, so I was concerned about fraudulent activity. On the report it listed US Bank as a delinquent payment. I then logged into my US Bank account and unbeknownst to me the open line of credit somehow still had roughly a {$5.00} balance despite the fact that I paid in full the outstanding balance just weeks before. I have absolutely no idea why there would be a balance when I paid what I was told to pay, the outstanding balance. - How would a consumer know to pay a different amount than the amount stated was owed? - Why would a consumer pay more than the outstanding balance? - Why would a consumer pay more than the amount they were told to pay? - Furthermore, why would a consumer who made a XXXX payment, has never missed a payment on their mortgage or line of credit with US Bank, who routinely made payments in the thousands or tens of thousands of dollars leave a {$5.00} balance on this large of a payment. Since this transpired, I was immediately in touch with XXXX XXXX, who has been nothing but incredibly helpful, compassionate and understanding about the mistake that was made. He agreed this was a mistake and he attempted to work internally on having it corrected. He escalated it to his supervisors who also agreed this was a mistake and attempted to help have this corrected. We have this communication in email where they are asking the credit reporting team to have this corrected/reversed due to an error. Both XXXX XXXX and his department have been incredibly communicative and helpful in trying to right this wrong. They should be commended on their customer service. Unfortunately, they were shut down, told to stop pursuing this and they can not help me anymore. So, despite the support of those internal XXXX employees closest to the situation, whom were involved in the situation, whom understand the situation intimately, whom work for the same organization that is bullying my ability to consume, they are being shut down and Im left, as a simple small consumer fighting for my ability to consume against one the largest banks in the world. Maybe the worst part of all of this, is a few weeks ago we were denied a new mortgage for a vacation home in XXXX XXXX because both of our credit scores are all of sudden in the Mid XXXX range, for the first time in our adult lives. All because we were given poor information and a {$5.00} balance existed, that we wouldnt have known about on a XXXX line of credit that was open for years and always paid in full. Im not sure if US Bank is penalizing my wife and I for closing our line of credit as retaliation, because we both dont have a white ethnicity or really any reason why I am being treated so unfairly considering we did was we were informed to do which was pay the outstanding balance. I hope this situation is ultimately handled the right way and corrections are made to have this removed from my and my wifes credit reports before more time passes and our ability to consume as Credit worthy consumers is negatively impacted further. Furthermore, as an informed consumer, who has an immediate family member that is the Chief Compliance Officer at a major US Bank, I will be filing a complaint with the CFPB and we are filing an indirect dispute with XXXX and XXXX. I WOULD PROVIDE ADDITIONAL DOUCMENTATION OF OUR PAYMENT HISTORY BUT AS STATED ABOVE WE CLOSED THE ACCOUNT AND NO LONGER HAVE ACCESS TO OUR STATEMENTS. YOU CERTAINTLY DO. Additionally, you can see XXXX XXXX emails supporting this as a mistake made and asking for this to be cleared up. Please feel free to contact me. Respectfully XXXX and XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60048
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XXXX XXXX XXXX XXXX This is my 4th complaint in 2 years against US Bank 's incompetent escrow/insurance department XXXX As a term of my loan US Bank insists on having escrow on insurance and taxes but it treats that money as monopoly money without any proper checks and balances paying bills that are already paid and expressly disregarding instructions. In the latest case, I had emailed US Bank on XXXX XXXX XXXX that my insurance is already paid and they no longer need to pay it and can release escrow back to me. They confirmed twice that this would be done. But yesterday I got a notice that they have indeed paid insurance again. I even emailed them to tell them that their online system still shows the insurance payment as a next expense and then i stopped getting responses and eventually as i feared despite a >1 month heads up they made the insurance payment despite it being made already and now i have to fight with the insurance company on getting back my double payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I have sent out an opt notice that I have attached to U.S. Bank per 16 CFR 313.7. U.S Bank disclosed my personal information to nonaffiliated third parties including XXXX, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent U.S Bank a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: THIS VERY SERIOUS ISSUE has still not been resolved- This property is vacant and a health hazard in its current condition. It has been vacant since XXXX XX/XX/2022. They NEED to get the keys from me Prior complaint resulted in them sending me a jpg of the same documents they sent in the mail stating I owe taxes. I do not owe taxes. I never owed taxes. I never missed a mortgage payment they refused to take the mortgage payment at all. They told me repeatedly all or nothing. I did not have the all I purchased the property because I didnt have to pay the taxes! PRIOR COMPLAINT : I closed on a property at XXXX XXXX XXXX XXXX XXXX IL XXXX. Us bank much to my horror purchased my account. I was unable to setup autopay because of an existing secure credit card I opened about a year prior and had been unable to close or access the secured funds, even after repeatedly contacting them. Due to this card I couldnt access either account. I finally got a copy of this credit card to actually utilize my own funds theyd refused to return for a year. However, after receiving the card I couldnt make a payment to it online and couldnt get a statement sent to me, knowing I still had about XXXX $ credit I closed the account hoping this would clear up mortgage drama plus I cant pay an account they wont give me payment information on. They then held that account open until finance charges applied so they wouldnt have to return any money to me. On XXXX XXXX I went to pay my mortgage and they said I owed almost XXXX instead of XXXX. I said I dont have XXXX I have XXXX. I went from department to department explaining I do not owe the taxes, clearly there has been an error. In the state of XXXX I do not pay property taxes which is why I bought a home here and not Indiana. I am a 100 % Permanent and Total Service Connected XXXX ( medically retired ) veteran. That entitles me to XXXX property taxes. I said Id clear it up I still wanted to pay mortgage. They refused. They refused to correct the issue, they refused to take the mortgage payment. I contacted the state of IL and went to XXXX office to submit form and copy of ID proving my status. They stated theyd clear it up. I have all 3 past due mortgage payments. Now theyre stating I owe almost XXXX for this years taxes- again, I dont owe them. This is the law. ALL paperwork was provided in order to write the loan WITHOUT property taxes to get it to clear closing. In the meantime it has come to my attention that this loan should never have been approved. I am missing disclosures from the seller, the hvac collapsed, the window doesnt shut and is stuck open, there is no heat, the foundation wall crack that was repaired is leaking, there is a profound mouse and electrical problem the seller had to have known about. I want to return this house in a deed in lieu of foreclosure. I am suing the parties involved in this sale and us bank for negligence and breach of contract. I NEVER refused to pay my mortgage. I have never not been able to pay my mortgage and I can prove this because I am using the money to move out. By failing to accept my payment over a tax bill I provided proof I do not pay AT CLOSING, and then push me into foreclosure while waiting to prove I do not owe taxes us bank has failed their end of this financial obligation and contract in what appears to be a breach of contract. It WILL be cleared up by the state that I do not, in fact, owe taxes. Also- us bank technically would be owing me money over this had they not chosen to refuse the mortgage payment. Likewise I couldnt escape the home from XXXX had they not been so blatantly ignorant. I was always transparent- I am being so now. They FAILED to honor their agreement and are forcibly foreclosing on me in the process when the money was always available to make the payments. Please assist
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Already reported to Identity Theft. The hard inquiries are result of identity theft and need to be removed no later than four business days, as per 15 USC 1681, C-2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I received a letter from US Bank XXXX XXXX XXXX branch saying I was denied for a personal loan. The problem is that I never applied for the loan in the first place a similar application happened with XXXX XXXX, which they are investigating now and I received a phone call from XXXX saying someone charged a video game worth {$910.00} to my account, my XXXX account which I do not have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A