Date Received: 2021-08-29
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: To whom it may concern : In XXXX, XXXX, I leased a XXXX XXXX XXXX from XXXX dealership in XXXX, Montana and financed by US Bank. The vehicle was involved in an accident in XX/XX/XXXX. My insurance company XXXX declared the vehicle totaled and took possession of the vehicle. Since XX/XX/XXXX, XXXX had made numerous attempts for the US Bank to provide them the vehicle Title so that they can settle the claim to no avail. In XX/XX/XXXX, 6 months after the accident, I wrote the US Bank a letter stating that I won't be able to make further monthly lease payments of the vehicle I am not using. The Bank didnt acknowledge the receipt of my letter, instead they reported to the credit bureau that I owe them {$5600.00}. My Fico score dropped from XXXX to XXXX. When I called the Bank regarding this latest action, they told me that I MUST continue to pay my monthly lease until the issue is resolved. Hence, I resumed the lease payment to avoid further damage to my credit. I have called the US Bank loan department more than 20 times on this issue since XXXX, XXXX and the Bank is still unable to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with US Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but US Bank made me purchase insurance separately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I believe this is a XXXX error becuase I dont believe that all credit cards companies on my XXXX report decided to report old XX/XX/XXXX information on the same day at the same time ( XX/XX/XXXX ). This only happened with XXXX. XXXX and XXXX has not changed the updated informtion to old outdated information from XX/XX/XXXX. Although XXXX said this was done by all 3 credit card companies. I believe this is XXXX error because XXXX reported an updated balance of XXXX balance XX/XX/XXXX then it was change back to a XXXX balance of XXXX dollars on XX/XX/XXXX. The same thing happen with XXXX XXXX and US Bank on the same day. Apologize for XXXX error but credit card companies can you please retify this with XXXX this outdated info from XX/XX/XXXX that XXXX placed back on my report after your company reported the update XXXX balance XX/XX/XXXX. XXXX reported a XXXX balance XX/XX/XXXX then today XXXX is the only credit bureau reporting old balances today from XX/XX/XXXX on all 3 of my credit cards that showed XXXX balanes in XX/XX/XXXX its reporting an old balance from XX/XX/XXXX. XXXX for all credit cards reported to XXXX XX/XX/XXXX. Why is XXXX reporting old information from XX/XX/XXXX balances on all credit cards. Information from 5-6 weeks ago and the old inaccurate information replaced the accurate updated XXXX balance information todayXX/XX/XXXX. This in against Fair Credit Act. I dont believe that all credit card companies decided to report old XX/XX/XXXX information on the same day. As a result, my score has went down form XXXX to XXXX today XX/XX/XXXX because all credit card has been chanege back to old outdated info of this error causing non approval on a house
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2021 I contacted my bank to notify them that my paycheck would be late I requested that they put a hold on my account so that no further debits or transactions could be made so therefore it will overdraft I had already opted out of overdraft protection and was told that it was still opted out I was told that the hold would be placed over the course of the next couple weeks I randomly checked my account and noticed that there was still charges being made including two fraudulent charges that caused me to have to close my debit card at this time they still allowed two more charges to go through on my debit card after it was closed and they still did not put the hold On by the time it was all said and done they had added almost XXXX XXXX and something dollars worth of overdraft fees to my account when my paycheck finally hit my account they deducted the {$700.00} and then placed a hold on my account I kept in contact calling the bank over the next few weeks as I had been doing since the initial contact and still to this day and nothing has been done they reimbursed close to {$200.00} I believe but that was for the fraudulent charges since then the bank has continued to mess up my deposits in transactions causing multiple overdrafts and whenever I call in to speak with someone they can never figure out what's going on and that usually just hang up and I have to call back I work full-time so going to the bank and sitting down with the banker is not easy option at this time they have taken nearly {$1500.00} worth of fees from my account that I believe are not accurate I take responsibility for whatever fees are legitimate but I know that I should not have paid {$1500.00} in fees to the bank and they still refuse to do anything about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I sent US Bank a message / email saying my payment was not allocated to the highest interest rate per law. They responded they make payments per statement period vs accurate real time data. They reversed my payment so I could make the payment again. Withdraw of {$3100.00} on XX/XX/2021. Payment of {$3100.00} XX/XX/2021 ( yes 1 day later ). Interest of {$55.00} on XX/XX/2021. Reversal of payment XX/XX/2021. Repayment of {$3100.00} on XX/XX/2021. XX/XX/2021 to XX/XX/2021 statement. Interest payment of {$55.00}. Credit Card ending XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have had a HELOC ( # XXXX ) with U.S. Bank for almost 15 years which is tied to a construction gone bad. I am in the California court system since 2006! There have been 3 rulings for me. The defendant had gone all the way to California Supreme Court which was rejected. To be safe, it will take another year to see any money. I have almost paid the amount of the HELOC in interest! I have applied for forbearance. Even though U.S.Bank has sent me a letter and given me a name as a relationship manager at the Loss Mitigation department, but I can not locate the person nor I can talk to anybody in charge. I might have been late just a few times in 15 years! but they keep charging me for late fees and reporting to Credit companies. Except for them, I have an excellent credit history! I am a XXXX single mother with a rare autoimmune disorder. I am also caring for my XXXX old mothers. I truly need help. Do you think U.S.Bank would waiver all late fees so far, which will be a couple of thousands?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The issue with US BANK has been going on for about two years now. I was on a 10 year HUD ownership program for my home, they help me pay my mortgage for the first 10 years of me purchasing my home. It is now XXXX and the issue with my mortgage has not been resolved, Ive been told that I owe them over {$9000.00} on my mortgage behind payment they say. When I called to discuss the issue they could not talk to me due to a bankruptcy issue, when I try to pay online the account number I have does not let me pay. When I went into my local bank they refused to except my payment due to my bankruptcy. Im no longer in bankruptcy I have close that case. Im having issues with the amount they say owe and theres no way I can pay that due to Covid and I still have not received my tax refund this year. I have made two payments this year surprisingly they were excepted over the phone. When I called to make a payment this month XXXX I was told my address is not in the system. I need help resolving this problem so me and my children can stay in our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have used USBank for ten years without much issue. In XX/XX/2021, USBank had enrolled me into an overdraft protection program which I never authorized. One time I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options instead which I declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
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: At least for the last nine ( 9 ) months, may be more, every month I have a fraudulent charge on my credit card account. For the long time I was not able to understand how it could continue as credit card company was canceling my credit card, and replacing with a new one with new account number. I believe it is connected to a " subscription service '' they are selling, so criminals are informed about change in credit card number. My requests for : 1. Reject any charges without physical presents of my credit card or 2. Stop including my credit card information into " subscription service '' they selling were rejected. I believe the credit card company negligently engaged in supporting wide spread credit card fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
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: My parents purchased a XXXX back in XXXX through XXXX XXXX XXXX. My parents passed away in XXXX and XXXX respectively and the XXXX had been paid off for more than a decade. I received the title to the XXXX but when I went to get the XXXX registered and tagged they noticed a lien on the title from XXXX XXXX XXXX. I know the XXXX was paid off in XXXX. We called and tried to get release letter from XXXX XXXX XXXX. and found that XXXX XXXX had been taken over or had merged with US Bank and US Bancorp. So we called and spoke to them numerous times and someone in there customer service dept admitted that they screwed up. She told us that she would send the release letter out right away and we should receive it in 7 to 10 days. That was three thru six months ago.We continued to call and each time I had to go over the same story which included the death of my parents, not only was it frustrating but I had to keep reliving my parents death each time I told them what happened. For six months they promised the letter was in the mail and that a mistake was made on their part but nothing was ever done and no letter was ever received from them. We haven't been able to tag or register the XXXX because of their inconsideration and constant lying about sending this release letter. We were referred to you from FDIC and don't know what else to do. How can a bank get away with this for so long. We must have talked to 20 different people who made promises but never delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A