Date Received: 2021-08-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Received letter XX/XX/2021 stating my account was to be debited {$500.00} for two checks my wife cashed on XX/XX/2021. Letter states these 2 checks were cashed twice at two different branches by my wife XXXX XXXX, who is on the account. These are her payroll checks received weekly @ {$250.00}. I have gone to 3 different in-person appointments at 3 different branches. I had also opened a case with U.S. Bank corporate to investigate how this could have happened. My wife could not have cashed these checks, then have the clerk hand them back to her. If by chance it did happen, she would have immediately asked why they were handed back to her. I have worked with XXXX at my local branch in XXXX, Ca. She worked on it for appx 3 weeks. Then told to work with the XXXX, Ca branch manager XXXX XXXX. Who then told us to work with XXXX at the XXXX XXXX, Ca branch. No one can explain where or why the {$500.00} has gone. Local branch personnel say its a common error and keep fighting. ( of the record of course ) I have all correspondence copied as well as phone records
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 I called your Customer Service, spoke to XXXX and requested that the Home Equity Line of Credit be closed and written confirmation be sent to me about the credit line being closed.. I was told there was a lengthy procedure and it would take 10 Business Days ( unacceptable ). I needed to refinance and this Home equity line needed to be closed and I had to submit the closure letter to my Mortgage Company to refinance my mortgage. On XX/XX/2021 I received a Letter from US Bank. To my surprise it said " This letter is to confirm receipt of Pay funds '' ( grossly incompetent ) .. There was no letter confirming that the account was closed. What payoff funds? There was no balance! So I called again on XX/XX/2021 and spoke to XXXX at XXXX XXXX.. After spending a lot of time with her she agreed to send a letter of closure to the Mortgage company where I am refinancing my Loan. I would not be getting a copy of the account closing Letter. If I selected the option of receiving the Closure Letter it would take 7 business days ( unacceptable ). ( The Letter has not been received by my Mortgage company as of writing XX/XX/2021 ) I requested the letter be sent to me by overnight mail. She refused. So now there is no closure Letter, I have no way of knowing that US Bank sent a home equity closure Letter to my Mortgage Company. My refinancing will possibly expire since it can not remain open forever and US Bank keeps XXXX XXXX around. Sent a Email on XX/XX/2021 to XXXX XXXX President/Chairman of US Bank Mr. XXXX XXXX : Hope all is well with you and US Bank. On XX/XX/2021 I called your Customer Service, spoke to XXXX and requested that the Home Equity Line of Credit be closed and written confirmation be sent to me about the credit line being closed.. I was told there was a lengthy procedure and it would take 10 Business Days ( unacceptable ). I needed to refinance and this Home equity line needed to be closed and I had to submit the closure letter to my Mortgage Company to refinance my mortgage. On XX/XX/2021 I received a XXXX from US Bank. To my surprise it said " This letter is to confirm receipt of Pay funds '' ( grossly incompetent ) .. There was no letter confirming that the account was closed. What payoff funds? There was no balance! So I called again on XX/XX/2021 and spoke to XXXX at XXXX XXXX.. After spending a lot of time with her she agreed to send a letter of closure to the Mortgage company where I am refinancing my Loan. I would not be getting a copy of the account closing Letter. If I selected the option of receiving the Closure Letter it would take 7 business days ( unacceptable ). I requested the letter be sent to me by overnight mail. She refused. So now there is no closure Letter, I have no way of knowing that US Bank sent a home equity closure Letter to my Mortgage Company. My refinancing will possibly expire since it can not remain open forever and US Bank keeps XXXX XXXX around. Regards. Received a response from US Bank on XX/XX/2021 Thank you for your email to the chairman, president and CEO of U.S. Bancorp, XXXX XXXX. I appreciate the opportunity to acknowledge receipt of your message on behalf of Mr. XXXX and our executive offices. We regret to learn of the concerns described in your message and appreciate the time you have taken to reach out to us. Upon receiving your email, we requested that your communication be reviewed by those who are in the best position to respond directly to you about this matter. As we have a formal process for researching concerns, we expect that youll receive a telephone call or a written response will be sent as soon as we have completed a review of the information youve shared. We understand the importance of addressing your concerns in a timely manner ; therefore, we will strive to expedite a response and we appreciate your patience while this matter is in review. Sincerely, As of XX/XX/2021 XXXX XXXX there is no communication from US Bank or their Customer Service. My mortgage Banker has not received the Home Equity line of credit closure Letter and neither have I received the Letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened up a Representative Payee account at US Bank on XX/XX/2021. I have been selected to be the Rep. Payee by the Social Security Administration to manage my moms Social Security. My mom is the beneficiary on the account ( but does not have access ) and is considered a senior ( XXXX years-old ). My job is to pay her bills and provide her the difference for living. My mother only receives {$770.00} a month in Social Security. After I pay her rent she is left with only {$130.00} for the remaining month to live off. US Bank charges {$6.00} a month for this account unless certain requirements can be maintained. US Bank requires a minimum of {$1000.00} to be direct deposited into the account ( for the fee to be waived ) and I can not meet this requirement. Over a total year, the fees can add up to almost {$84.00} which is XXXX percent of my mothers income. I have spoke to the Contact Center and they stated I should be able to get a, Senior indicator on the account so that this fee is permanently waived. She stated she could not help me with a fiduciary account as she doesnt open them, but I could go to a branch to have a manger help me. Today I went to the branch to explain the situation and the employee stated that because my mom is not a joint owner on the account, they can not add that indicator on there for me. My mom can not be joint on the account because its a Rep. Payee account. The employee stated they can waive it for the remaining year, but I should look into other options. This is ridiculous. This is a fiduciary account meant to protect my mothers Social Security funds. She is XXXX, elderly, and we can not open up other accounts with another bank given her situation. I want this fee removed off of this account. Does US Bank do this to all fiduciary accounts? Do they take XXXX individuals means of living who are on strict incomes? This is discriminatory to XXXX individuals, please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97213
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I'm supposed to close on a house on XX/XX/2021. On XX/XX/XXXX just after XXXX XXXX, I received a call from XXXX XXXX, a Mortgage Loan Processor, asking me if XXXX XXXX, my Mortgage Telesales Rep - NMLS XXXX, had been in contact with me recently to discuss some numbers. I said no and that I hadn't heard from him since XX/XX/XXXX. She then proceeded to tell me that there was a mess up with the loan because the appraisal revealed the home was manufactured. She said she herself didn't know until recently, but had been waiting on XXXX to call me and let me know. Due to the mess up, the LTV ratio could not be 100 % like I was requesting ( Of the XXXX home, they were giving me about XXXX with around XXXX for a downpayment as long as I was able to put down XXXX. Of the XXXX, XXXX credit from the seller for closing cost and XXXX was for home insurance for the first year ). In addition to the XXXX cash, I now had to come up with an additional XXXX. She also said that she knew I had to turn in my 30 day notice to my current landlord and had told XXXX to take care of things beforehand so that. ( I have to be out by XX/XX/XXXX. ) She said she was going to bring this to her and his supervisors to figure out what could be done. The following day, I got an email from XXXX explaining that he didn't know that it was a manufactured home, that he was submitting the loan for an one-time exception for the full amount, and would possibly give up his commission to help me pay for things. At that I found an email I sent to him on XX/XX/2021 at XXXX XXXX stating that it was a modular home and if there was any other information he needed. He said he would have to check with his manager to see if we offer that loan, which they did. ( I still have these emails ). No other inquires were made on the type of property and I didn't know the difference between a modular home and a manufactured home. However, from the inspection ( which came out before the appraisal ), you could see the supports under the crawl space. Also, if the listing has the home as an one-story, manufactured home. I immediately sent this information to XXXX as I felt like she was the only one I could trust to help me. On that Friday, she contacted me letting me know that exception was denied. I asked for XXXX XXXX supervisor 's number, XXXX XXXX, and attempted to call him. I had to leave a voicemail. He did get back with me on Monday, let me know that the exception had been denied. XXXX then admitted that it was XXXX 's fault it wasn't caught and had a few opportunities to fix it, from googling the address, the listing page, and even the inspection. However, there was nothing else they could do. XXXX also said that XXXX should have never offered his commission to help as an employee could not help out with a loan. At XXXX XXXX today ( XX/XX/XXXX ), I received an email from XXXX letting me know that I need a structural engineering report, 4 days before I'm supposed to close. He also stated " My manager XXXX XXXX will do his best to get you a lender credit to compensate you back. '' Luckily I was able to find someone who is willing to do it this Thursday, XX/XX/XXXX who stated they would be able to give the report same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63701
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Id received a U.S. Bank XXXX in the mail today ( XX/XX/2021 ). The issue is, Id never applied for unemployment. Ive been working for almost 20 years. Even during the pandemic, Ive been working. I was transferred from person to person. A specialist did take my call. Shed informed me that the card was in fact for unemployment. Shed stated that she was going to get me over to the unemployment department. Where they can pull the application. As well as close it out. Placed on hold. Someone picked the call, they never responded. They just held the phone. So Id decided to look for a site on the documents placed in the envelope with the credit card. Therefore, Im reaching out to you all for further assistance on this matter. I do not know the amount on the card. I did not activate this card. Kind Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: We have tried calling US bank, meeting with a bank employee, paying a separate company to help us get some of the overdraft fees back, and nothing has worked. We have switched from overdraft protection to not wanting the protection, but do not understand why we keep getting charged. They dont explain anything in a way we can understand. We are a family of XXXX and have been hit with over {$3000.00} in fees within the past year or so and it has really put us in a bind. Its like we will never be able to recover from this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am a victim of identity theft. I have been receiving bill statements from US BANK, stating that I have an amount to pay, which I did not make any transaction or authorize someone to do it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a US Bank XXXX XXXX XXXX because they had an offer of a {$750.00} bonus after spending {$7500.00} within 120 days. I met this obligation within 90 days. Now US Bank is saying that my XXXX XXXX purchases do not qualify for this spend. MY PURCHASE WAS NOT A CASH ADVANCE, NOT GIFT CARDS OR ANY OTHER MONETARY ITEM. IT WAS A COMMEMORATIVE COIN SIMILAR TO A PAINTING OR A GIFT ITEM. It is not fair not to consider this for minimum spend. What if I had bought an appliance and sold it immediately on XXXX. This would have qualified for minimum spend, do not understand the logic of US Bank. I have attached the necessary documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is head up that US Bank Vertification informed that I need to give them an complete physical address which is XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX I have right to choice my mailing address many business and including U.S. Bank uses po box to recieved they mail and I should also I should not be required to apply with another the United States Post Office is an physical address and the United States assigned Zip Code and Zoning in the United States and they treated me and Civilians as establish Immigrant in the United States XXXX Vertification Number select Option 1 Thank you for applying for a Secured Credit Card. We received your application on XX/XX/21. Your application ID is XXXX. Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away at XXXX ( XXXX ). Thank you for choosing U.S. Bank. Need assistance? Schedule an appointment with a banker at your local branch, visit XXXX online at usbank.com or call U.S. Bank XXXX Banking at XXXX ( XXXX ). Log in now >
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: To whom it may concern I am writing in response to the correspondence received from a representative of US Bank as it relates to the miss-use of my 2nd stimulus check. The representative indicated that US Bank does have possession of that check and did deposit those funds Into an account that has been closed in excess of four months. That account had been closed for the same reason that my first business account with US bank was closed, due to hacking and theft. As of XX/XX/XXXX fraudulent checks were still being presented according to their fraud liaison. My concerns are as follows : 1. It is a business account that a personal check to me was deposited into that I myself, as a consumer can not deposit into my own account. My children and I are XXXX XXXX XXXX XXXXXXXX and still XXXX, XXXX, and my children live in constant XXXX of their lives. I cant move cause of this. 2. I spoke With representatives of US Bank in the month of XXXX as well as XXXX to confirm they had not received my second stimulus nor the third check. Each of those times they indicated that because the account was closed that it would be automatically returned back to the IRS. 3. It was the IRS themselves Who indicated that XXXX XXXX did have possession of the check as of the end of XXXX in an account with my Social Security number attached to it. It was not until I reached out to the XXXX XXXX XXXX that the bank indicated that they had received it. They then indicated that it had been electronically transferred to US Bank. Upon Which I contacted US Bank and they confirmed they opened this closed account and deposited the {$2400.00} XXXX XXXX XXXX after the previous 4 months being told no that it would reject it and return to the IRS. IF THEY HAD NOT STATED THAT I WOULD OF NEVER COME TO KNOW OF XXXX XXXX months later. So this statement in this letter is another lie. The ledger clearly say Tax related. So they he couldnt tell where it came from? 4. I then initiated a trace on the second stimilus check with the assistance of Senator XXXX XXXX and the office of Rep. XXXX XXXX. In my next communications with a representative of US Bank we were told that the check was no longer in that account. They were asked at least twice on that day to verify that what they were saying was true. 5. I would like to add that I did forward my current banking information to XXXX XXXX early on with a plea to transfer it to the correct account given the situation with no response. It is my hope that a speedy resolution can be devised. Cordially, Mr. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A