Date Received: 2021-07-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2021, a vendor paid me with a check that was not good. When I was informed by US Bank that the check had insufficient funds I deposited cash to cover the inefficient amount. Weeks later on XX/XX/XXXX US Bank closed my account and confiscated the balance of approximately {$2000.00}. I received a letter dated XX/XX/2021, from the branch manager of the bank where the account was opened. The letter indicated that a check for the balance in my account would be issued in 5 business days. To this day I have not received the funds that were on deposit. Equally troubling is the attitude of the branch manager and the many customer service representatives I have spoken to regarding receiving the account balance., Their dismissive attitude and arrogance because of my inquiries are irritating and disrespectful. I want nothing more to do with US Bank all I want is my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX we started the process of apply for a mortgage through US Bank with their Loan Officer, XXXX XXXX ( NMLS # XXXX ). During these first few emails it was clearly stated that I was a US Veteran and had even previously used the VA Loan. Due to the construction restraints in the Midwest ( Iowa ) and the fact that my Spouse and I were living overseas, our house was schedule to be completed around XXXX, XXXX. The months went on we finally moved back to Iowa the end of XX/XX/XXXX. We finalized our loan paperwork XX/XX/XXXX for a closing date of XX/XX/XXXX. On XX/XX/XXXX I started researching tax credit on our local counties website ( XXXX County, Iowa ) and discovered the Homestead and Military Exemption Credit. Along with this researching, I discovered the Iowa Finance Authorities website which detailed a " Military Homeowner Assistance Program '' Grant for {$5000.00}. The only requirements listed on their website stated you had to be a veteran, which I was, and which our Lender XXXX XXXX knew. She is also listed as a loan officer on their website. I reached out to her on that day, XX/XX/XXXX and asked about eligibility. She replied the same date stating we exceeded the purchase price and household incomes. I thought I would check with the IFA ( Iowa Finance Authority ) and emailed them that night, the XXXX of XXXX. I received a reply from the following morning on XX/XX/XXXX stating there were no income or purchase limits to qualify for the grant, eligibility is based on service dates ( which I would qualify for ). I sent the information to XXXX immediately. She responded back later that day stating she'd have to, " restructure your loan and submit the application to IFA. We'd probably be looking at about 30 days to get everything approved through IFA and your loan restructured. '' That seemed odd to me, so I emailed the IFA again right away and they said it takes on average 48 hours to approve, maybe a few days. My wife then emailed XXXX that night and asked what would be needed and stressed that {$5000.00} is a lot of money. On Friday XXXX responded with further details and what would be needed and eventually XXXX then said it could take a few weeks ( as opposed to 30 days before ). At this point our closing date is 4 business days away and XXXX is obviously not going to help us. We told her we could provide everything right away but if we had to change our closing date we couldn't delay. I've attached all email traffic with XXXX and the Iowa Finance Authority. XXXX has personally cost us a {$5000.00} grant that we could've used toward the closing costs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52302
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Communications between self and Reliacard Customer Service ( CS ) /Automated Texting ( ATS ) Automated Emails ( AES ) : XX/XX/XXXX : Contacted Iowa XXXX XXXX XXXX XXXX Instructed to contact Reliacard Customer Service Contacted Reliacard CS Updated mailing address, requested replacement card using expedited shipping method XX/XX/XXXX : Received and activated card XX/XX/XXXX : First use of card Contacted Reliacard CS to unlock and access online banking app XX/XX/XXXX : Last use of card ( lost ) XX/XX/XXXX : Deposit made into account ( ATS/AES XX/XX/XXXX : Card shipped notification ( AES ) XX/XX/XXXX : Contact Reliacard CS to report card missing and request replacement XX/XX/XXXX : Attempted to login to app to check account status too many failed attempts account access locked until confirmation via phone with Reliacard CS XXXX Card shipped notification via ATS ( arrival expected in 3-5 business days ) XXXX Card shipped notification via ATS ( arrival expected in 3-5 business days ) XX/XX/XXXX : Called Reliacard CS to inquire about the delay in receiving the replacement ( According to ATS message XX/XX/XXXX, card would arrive no later than Friday, XX/XX/XXXX ) Call unanswered after 15minutes, had to disconnect while driving. Found debit card in unopened envelope in back seat of vehicle ( no date/never activated ). Used barcode to initiate activation failed instructed to contact phone number on card. Contacted Reliacard automated activation service failed ( during call initiation automated system stated that there was a card associated with my account and there were no options to activate one thought the online activation must have worked and the final page loaded incorrectly ) Took card to ATM to inquire on balance and confirm activation - failed Contacted Reliacard CS to inquire was informed that it was reported stolen. Also was informed that no acknowledgement/record/notes of the request for a new card on the XXXX. After researching thoroughly, CS did not have any indication of my request for a replacement card nor had a replacement been shipped ( told me the last call they received from me was on the XXXX of XXXX ). Was informed that the new card that I was attempting to activate locked my entire account when the ATM inquiry occurred ( security feature ) which would remain active for 24 hours and I would have no access to my account/funds until the lock was lifted. After spending more than 2 hours on the phone ( 15 minute wait time cut off, 21 minute wait time-cut off, third attempt was successful, total call lenth including waiting was 49 minutes ), Reliacard CS manager/supervisor agreed to activate card and lift/remove the Stolen/Lost restriction on the card. Informed me I could finish with the purchase at the gas station that was pending my resolving the activation failures ( I was sitting with no gas at the pump the entire time I was attempting to reach CS. Also, reassured by supervisor that I would have no further issues using the card since the error was at no fault of my own and that the lock had been lifted on the card. After ending the phone call, I went inside to attempt the payment and the card was denied. XX/XX/XXXX : Contacted Reliacard CS to resolve the problem. The card was supposed to have been received 7 days ago and all access to the money has been denied by CS. Was informed by supervisor that the lock would not be lifted off the account until 24 hours had passed from when the ATM attempt was made the previous night. Also refused to explain, review or discuss with me the false information provided by the manager spoken with the prior night. There is absolutely no excuse for this disregard/negligence. They will not transfer the money into my other bank account. They have lied/misled me multiple times. They are refusing me access to my funds and that is illegal. This is a child support card ( its supposed to help me support my child. This card was expected ( as per US Banks commitment ) 7 or more days ago! I have now incurred overdraft charges to my primary account totaling over {$200.00} as a result of the delays US Bank caused. US Bank needs to take responsibility/accountability for their careless choices or they need to be reprimanded for breaking federal law. It is illegal for any agency to hold support payments from the court ordered recipient for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When we completed the Covid forbearance program, we received paperwork dated XX/XX/2021, which states that my next regular monthly payment will be due on XX/XX/2021. My normal monthly payment is {$1300.00} ( this amount includes escrow ), and I made a payment of {$1500.00}. However, my {$1500.00} payment was applied to XXXX ( should have been XXXX ), so now my account is showing past due. I have called several times over the last free weeks and no one has been able to help me, and Ive been transferred around to multiple departments. I sent an email to XXXX, and I have not received a response. Ive been getting calls from their collections department trying to collect my late payment. I explained the situation to them and they are unable to fix the issue. So now I am being harassed by collections for this supposed late payment. This is unacceptable and needs to be fixed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : ELAN XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$5100.00} Reason : Identity theft Please remove it from my credit report. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2400.00} Reason : Identity theft Please remove it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
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/2021, I arrived in XXXX XXXX for a XXXX procedure as I was receiving my XXXX. I was more than excited as I been hoping to get this done previously but unsuccessful. In my opinion I felt I was quite knowledgeable. However, I was proved wrong. Die to the fact, I had already plan for a different medical procedure there, I figured I would see if the XXXX XXXX XXXX network would be an option. After speaking with XXXX XXXX : I was assured XXXX XXXX would be able to price match the costs and procedure received from XXXX of {$4600.00}. Attached. In the end, the cost was more because The over all costs included everything whereas after three days of work XXXX XXXX XXXX XXXX. Though I expressed it was many issues in which I was dissatisfied. I was assured of completion the next day. Needless to say, the days were 12-hour days and I was exhausted and so was the doctor. On the third which was the day before I was scheduled to leave out. XXXX XXXX did not have the interpreter to adhere to my desires. However, he called for her to come Once she arrived I come to find out the : o 1 ) XXXX on the ( XXXX ) XXXX XXXX would not be completed o 2 ) The back of my teeth are two different colors. It was so bad it made the rest of my teeth look more yellow than, before. o 3 ) None of my XXXX were XXXX. Though I asked repeatedly if there were cleaning the teeth. I found out later that it was cleaning the teeth with the XXXX. No XXXX was done. ( It was my assumption the XXXX XXXX XXXX go hand and hand with XXXX. They did not correct me or clarify for me until near the end. ) I asked why you would not XXXX the teeth. They replied It would take 14 days and you are not here long enough for this to take place. This did not make sense to me. The whole purpose of XXXX is the LOOK. After all it is called, XXXX XXXX. Not to mention, the quote from XXXX XXXX included everything such as XXXX and the ENTIRE mouth being XXXX and looking aesthetically pleasing. This should have been told to me at the beginning. No one I know expects to leave from obtaining veneers to having two different colors in their mouth which aesthetically looks worse. Cosmetic procedures are ALL about making you look better and feel better. o 4 ) There was an additional cost for them to clean the back when I though they were clean and XXXX at the same time. It is no way ANYONE WOULD BE OKAY WITH TWO DIFFERENT COLORS IN THEIR MOUTH o 5 ) Though I was very concerned about the way my teeth looked and felt. There were repeated compliments from the interpreters and other staff about my XXXX. However, I quite unhappy because it felt like a a lump of something the glue or whatever, it was the XXXX were not molded as it should have been. I felt there was something on the surface of the XXXX that I felt. o 6 ) I even wrote out the issues and gave to the interpreter. Yet, I was still unsatisfied. ( Attached the list of concerns as it was handwritten ) Though it took two days of 12 hours of work each. XXXX XXXX had assistance for the input of the XXXX. He never just completed one XXXX as I requested meaning the smoothing and shaping of one XXXX. He kept doing a little and ask how does it feelAt this point, I asked arent my XXXX apparent to you through whatever the gunk on there, right? He said, Yes. I said, why not just get all the gunk off and smooth and shape the XXXX. This took two days. He still had not did as I requested, and my XXXX were not right. Once I realized the fact, he literally was not able to do my XXXX correctly. I decided I did not want him to do anything else because he could not seem to get the XXXX shaped and smoothed out right. Even with the interpreter it took too long for him to smooth and shape the veneers. o 7 ) My XXXX did not have a XXXX XXXX XXXX XXXX should have been shaped but it was not. Currently, the space between my XXXX is sharp and hurt my tongue which should not be. o 8 ) I asked if it ( the XXXX ) was 100 percent porcelain I was told it was and no other materials. However, this was presentation of the XXXX were not as bright white. I was told, Once they are your teeth with whitening it will be brighter and you will see once they are on. So basically, the color I see is not the final color. However, the color of the XXXX is matted with something on the surface of it which makes it dull. o 9 ) My front teeth no longer have a bite. The teeth are rounded and my side teeth are sharp. My entire eight XXXX with XXXX are not asymmetrically same length ( longer on the left side ). So, if I need to bite an apple I have to bite on the left side as opposed to my two XXXX XXXX. Also, this non-alignment has caused me to chew differently, and I hear the squeaking in my mouth of the gunk that is still on my mouth ( on my XXXX ). o 10 ) Due to the fact, there is a slough of gunk on my XXXX, my XXXX XXXX XXXX whenever I run my tongue between my XXXX. There is a space between my XXXX that is sharp. It is difficult to floss. Because the floss keeps getting cut by the XXXX themselves. When I kept asking for the XXXX to be smooth. It was NEVER done. o 11 ) Also, the part of the XXXX that is near the gum. It was not smooth. I asked for it to be smooth. Right now, my front and bottom XXXX has a grittiness, and it is peeling. When I chew food it is easily stick between my XXXX. That was not a problem for me before. I am not able to smile because I feel the food and yet I can not pick the food out. Due to the fact the teeth are bulky and thick between the XXXX it is thick I know I need to to get my XXXX fixed because food embedded in there will cause decay acceleration. Upon retuning to the XXXX XXXX area, I made an appointment with a XXXX for an opinion regarding all of the issues above : More specifically the color of the XXXX The lack of XXXX XXXX XXXX and XXXX different colors is not ideal for an end result regardless, to what the doctor and staff states. The fact the XXXX are transparent, and no XXXX was done The uneven positioning of the top XXXX The fact the top XXXX are hanging over the bottom too far down I never received the temporary XXXX to gage if I like the XXXX or not. Nonetheless, I kept saying I dont like the way it feel and the XXXX of them Though I stayed an additional day and paid more than, the original quote from XXXX which included everything. I will not ever understand why it is so complicated for a XXXX, with well over thirty years of experience, would allow me to leave his office with all of the above issues and think it was fine. Once I seen his wife XXXX ( which were not great to me ) I understood this poorly done job was perhaps his best efforts. I simply am bamboozled at the lack of truthful responses or lack of knowledge from the dentist to think this was okay. Now I have to get my mouth corrected. Whereas, if XXXX XXXX had done it right or even stated it not going to look right and gave me a choice to XXXX XXXX XXXX for a superior finish. I am just done with this and want my mouth fixed. This has now affected me emotionally because now I am self-conscious about my smile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XXXX I thought closed a US bank account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from XXXX XXXX XXXX asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this US bank account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and XXXX accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! I also am filing a complaint against US BANK. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I chose to buy out my lease. My wife sent US Bank a personal check for the agreed upon price plus state taxes. Just over thirty thousand dollars. The check was cashed. Two days later the funds were returned. As soon as I noticed the returned funds I called US Bank. The associate I spoke to told me that the check was not signed and I needed to send a new check. I called my wife and told her we made a mistake and we need to send a new check. She replied by sending me a picture of the check written out perfectly. So I then called US Bank back to question what was wrong with the check. I was told by a bank employee that I needed to sign the front and endorse the back of check and overnight the new check to US Bank. I asked to speak to a supervisor because Ive never heard of endorsing a check that I wrote and I was worried about US Bank having two checks equaling {$61000.00}. The employee told me that no one was available to talk to me and someone would call me back. I called back to talk to someone new and after much questioning was told to write new check properly and mail it to US Bank. I still wanted to talk to a supervisor so I waited for my callback. Two days later I still had no response. My wife called our bank and they said I should send a bank check there is no way US Bank can not except it and they would send it for us. The bank check was taken out of our account and mailed to US Bank. The bank check was signed for by US Bank the next day. I called about a week later to make sure all was well. I was told my account was closed and I should expect the title for my vehicle in the mail. That day the title arrived. Everything seemed good. Until my wife and I are on vacation and my wife goes to a pharmacy and trys to pay for her products to find her card was declined. How embarrassing! Come to find out US Bank cashed the first check we sent for a second time and overdrew the account. I called US Bank immediately in a panic. After a long conversation I finally spoke to a manager who told me that nothing can be done until Monday. She told me an investigation would be started Monday morning. When I called Monday no one knew anything about my issue and nothing has been done but was assured that someone would look into it. As I am writing this it has been five days and they still have not resolved the problem. Every time I call its a struggle to talk to someone who knows anything about my problem. My wife and I are both very busy and finding it difficult to work a deal with this problem. I have to repeat my nightmare story every call. Ive had to give my social security number to so many people Ive lost count. We are scared this is going to effect our lives greatly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a loan modification in XX/XX/XXXX, knowing that my loan would mature in XX/XX/XXXX. Never received the modification even with the assistance of a HUD Certified Counselor. In XX/XX/XXXX US Bank placed a Les Pending on my Deed which has not gotten to the Foreclosure Procedure. In keepin in contact with US Bank 's Attorney I found out they can not go forward as this time. In trying to prevent being foreclosed on I spoke with other Lenders that are willing to go forward with the refinancing my loan, but due to the Les Pending on the Deed, they will not do it. I contacted US Bank to ask for a refinance. I provided all necessary information and was sent a closing package via XXXX XX/XX/XXXX. Now after making numerious call to the Loan Officer I was told they can not refy me due the Les Pending on the Deed. As a consumer I really need help in getting my Loan refyed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i was trying pay my credit card bill with my us bank focus card, my credit card company say XXXX XXXX say the transaction was decline as fraud why did you gus decline my trasaction saying it wasnt me, now they closing my credit account. they now requesting for you all to fax or email them who is the onwer of the account and why did the transaction decline XXXX fax number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A