Date Received: 2021-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I wrote to US Bank Home Mortgage/US Bancorp to request correction of the error described below in regard to the mortgage on my property. I had been notified by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX that US Bank Home Mortgage failed to pay the following expenses from my escrow account : {$880.00} payable to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ), for policy number xxx, due XX/XX/XXXX. Instead, US Bank paid {$790.00} from my escrow account. A blatant error and negligence on the part of US Bank. US Bank was notified on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX of the Short Payment. US Bank was to pay the {$86.00} by XX/XX/XXXX and failed to do so. I then was notified by US Bank on XX/XX/XXXX that I had insufficient flood insurance coverage when I have had the same coverage since XX/XX/XXXX. I then made an immediate payment on the day XXXX received the notice, XX/XX/XXXX, including the new rate and late fee of {$110.00} directly from my checking account to XXXX XXXX XXXX, XXXX XXXX XXXX, so that I would not be insufficient in my coverage due to US Banks negligent error. I fulfilled USBank 's requirement of me proving sufficient coverage within their 45 day deadline. At that time, I called US Bank to ask for an escrow analysis after several disconnections : first XXXX was unable to use his system from his home and then XXXX had to put me on hold a long time but said she resolved the issue. I was then notified on XX/XX/XXXX by US Bank that US Bank felt I had insufficient flood insurance coverage from XX/XX/XXXX to XX/XX/XXXX and would be charging me {$56.00} to buy insurance on my behalf. The Flood Declarations Page from XXXX XXXX XXXX shows the policy date is XX/XX/XXXX to XX/XX/XXXX am standard time. I called US bank customer service once again and spoke to XXXX with employee number XXXX in the insurance department who put me on hold for twenty minutes while she verified with her supervisor that I will not be charged the {$56.00} because the documents show I have sufficient flood insurance coverage. I asked to speak directly to her supervisor and was disconnected when she said she would transfer me. I then received notice on XX/XX/XXXX that {$56.00} was paid from my escrow to XXXX XXXX XXXX Co on my behalf. This is the second blatant error from US Bank. I am entitled to a refund of the fees and difference between the {$110.00} that was due because of US Banks failure to pay the {$86.00} they owed to XXXX XXXX XXXX. I requested an immediate refund of {$24.00} paid by US Bank to me. US Bank incorrectly imposed a fee of {$56.00} for insurance coverage from XX/XX/XXXX to XX/XX/XXXX charged to my escrow on XX/XX/XXXX when I already showed proof of sufficient coverage on XX/XX/XXXX. US Bank owes me a total of {$80.00}. US Bank responded to my written request with a one-paragraph form letter and attached my closing cost details and highlighted the flood insurance estimated payment due of {$790.00}. That is there reasoning for paying the wrong amount to the flood insurance and for not paying the difference on time. However they did not pay the amount listed in my closing documents for homeowner 's insurance but instead paid the amount on the new statement when USBank received the premium statement. US Bank has horrible customer service and is not a company anyone should use for home mortgages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2016 with a balance of {$6300.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. The Fraudulent Activity happened XX/XX/2013 with a balance of {$13000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a credit card account with USBank ending in XXXX. I was the victim of identity theft last year and consequently have an ACH block on my bank account. USBank was prevented from pulling the funds in XXXX because they changed the previously provided Payee ID and that is how I whitelist ACH payments. This change without notifying me lead to the missed payment and it has made it very difficult to buy a house given this situation and the impact to my credit. Not only did they wrongly penalize my score with the bureaus, they also haven't report to the bureaus that I have paid this account in full and it is no longer late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10309
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I AM SURVIVOR OF DECLARED DISASTER DR4493 COVID 19 PANDEMIC XXXX DR 4473 EARTHQAUKES , DR 4339 HURRICANE MARIA AND DR4336 HURRICANE IRMA AND THEIR DISASTER DISRUPTION CAR ACCIDENT WITH PROPERTY LOSS. I WAS REVIEWING MY CREDIT REPORTS AND NOTICE THAT US BANK XXXX XXXX CREDIT CARD REPORTED MISSED PAYMENTS AND CHARGE LATE FEES TO THE FOLLOWING MONTHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND I AM A SURVIVOR, ILOST ALL MY BELONGINSG DUE TO THE DISASTER HAVE A HARDSHIPSITUATION WHEN DUE TO DR4339 LOST MY JOB AND MY INCOMES AND NEWJOBS AND CONTRACTS DUE TO FALSE ACCUSATIONS AND LIVELS DAMAGES TO MY IMAGES AND DEFAMATION AND DAMAGES AND LOSSES. I HAVE NO AIDS AFTER MARIA AND IRMA HURRICANE. THIS COMPANY CHARGE LATE FEES AND MISSED PAYMENTS TO MY CREDITCARD BALANCE WHEN THEY KNOW ABOUT MY RIGHT TO AMORATORIUM AND DEFFERRED ON PAYMENTS. I CONTACTED THEM IN XX/XX/XXXX, AND MAKE A PAYMENT PLAN, BUT I COULD NOT CONTINUED DUE TO MY RIGHTS UNDER THE DISASTERS DR4473 , DR 4493 AND DR4339, AND THEY DIDNOT CARE ABOUT IT CARES ACT AND FOLLWOING BILLS AND ACT AGAINST MY RIGHTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I bought a visa prepaid visa gift card for {$100.00} plus a {$5.00} activation fee at Kroger in XXXX, TN on XX/XX/21. The cashier gave me the receipt and activation receipt. Later that day when I went to use the card I found out it declined. I called the provided number on the back of the card at XXXX to find out the card had never been actually loaded by the card. They advised I go back to Kroger. I immediately went back to Kroger and Kroger advised that the card was loaded properly since it did have an activation receipt. I called again the XXXX number on the visa card and they said that I could submit a fax of the activation receipt, Kroger receipt, front and back of the gift card and fax it to XXXX, which I did immediately at XXXX XXXX. They said that this occasionally happens and that as long as I had proof of activation, it would be resolved through their end ( the prepaid gift card company ). I called the XXXX number on the back of the card multiple times over the next few days and every time was told that it was being investigated by their team. Eventually, I was told they lost the fax I sent and that I need to send it again and start a new process, wait 3-5 more business days etc. I have spent HOURS/DAYS of my life now trying to get this resolved and can not keep going through this cycle of false information they keep feeding me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my lease on XX/XX/2021. I still am not in possession of the title that proves I now own the car ( as of XX/XX/2021 ). US Bank claims to have sent the title on XX/XX/2021, but I never received it. After 50+ phone calls to US Bank and a complaint to the Consumer Financial Protection Bureau , US Bank finally requested a duplicate title from the NC DMV on XX/XX/2021. The duplicate title request was mailed from the NC DMV to US Bank on XX/XX/2021. I called US Bank on XX/XX/2021 and the representative confirmed they received the duplicate title on XX/XX/2021 but said nothing else has been done and they seemed unaware that I am still awaiting on documents. The letter in response to the Consumer Financial Protection Bureau did not give me the name or number of any specific person to work with to close this issue. Every time I call, I start from square one with someone who has no idea how to help me get this resolved and no one seems to know how to escalate it to anyone who knows how to complete the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: i want to close my account cause im not going to use the card for the unemployment and i try contacting them but no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had a real estate lawsuit in XXXX and my attorney representing me was XXXX XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I hired XXXX XXXX, who I never met. This lawsuit had a pooXXXX XXXX writen by an unlicensed closer and this caused many problems. We filed a letter of cancellation for a contract for deed. XXXX XXXX never filed that cancellation. Instead XXXX XXXX, put together an unauthorized settlement agreement and I got a Judgement instead. Also, deliberately overcharged me for work never finished and used XXXX attorney to help XXXX XXXX increase exaggerated charges ( {$65000.00} for 2 months of work ). The invoice was so high, I had no more money to pay XXXX XXXX, so I discharged XXXX, but no attorney would deal with this lawsuit, so I lost ownership in my commercial building. Complaint- I called XXXX XXXX Bank credit card services on XXXX XXXX that I wanted to make a dispute because of all the overcharges. XXXX XXXX Bank told me that US Bank owned the account and had to WAIT until the merger was complete and a statement was visible. This was not true. I still had to deal with XXXX XXXX Bank not US BAnk like I was told. With the XXXX, riots in XXXX, XXXX I live and other things, it was diffecult to keep track the merger. The merger when through and I called again to dispute the law firm charges. A XXXX XXXX Bank representive told me that a check would be arriving in XXXX business days. After XXXX days, I called back and was told I was pass the time frame that cardmember service allowed for a dispute credit. I had to pay this law firm {$16000.00} for work never performed. This mishap was not my fault! XXXX XXXX my credit card dispute for {$16000.00}. Again, I did try to be within the time limit, but the time was not long enough with that merger confusion and all the commotion going on. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2017 my wife and I went into the local US Bank in XXXX Minnesota to inquire about a checking account and which overdrafts are not an issue the banker came back with a contract that stated if I were ever in the negative at the end of any given month that negative balance will be added on to the back end of my student loan I have with US Bank so one month when I was in a - {$210.00} instead of putting it in the back end of my long like was in the contract they started charging me fees late fees charges whatever they do overdraft charges even though it was specifically in the contract and what the banker told us that that wouldnt happen so I want them to be held responsible for breach of contract and shady business practices and for falsely reporting on my credit report. I do have a witness my wife was next to me during the entire meeting and will testify as to what Im saying is true this is exactly why I dont use big banks because they are scammers who lie and breach contracts with no repercussions because I am poor and XXXX I am not able to file any Sort of litigation to resolve this matter so Im asking you for your help please
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: 2021-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A