Date Received: 2021-06-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: There seems to be something strange going on with this bank handling an issue with a check that was improperly filled out. The check was numerically written for {$260.00}. But, on the narrative section I mistakenly wrote XXXX XXXX XXXX XXXX. I noticed the error before my manager, who was the recipient. And, since she had not noticed the error yet, she was unaware of the problem. I was informed by her that they " posted '' the amount in the accounting ledger at the numerical amount. She asked me to ask the bank about the funds. At no time, that I'm aware of, did anyone ever tell the bank that they received the entire funds. Yet, I'm being told that someone put a notation on my account that they confirmed the recipient received the full {$260.00}. What's more is I'm now being asked to prove that they didn't receive the funds. As far as I can discern, that particular narrative began with one of their own customer service representatives. I've tried to explain this twice already. It's very insulting. The implication being made here is that I'm lying about my manager not receiving the funds. They can check for themselves to see if they were credited the amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: the thing is my boyfriend died and he has no living relatives I am his girlfriend. I am not responsible for his credit cards. I try to tell the Harley-Davidson company for the XXXX XXXX card that he is deceased and dead and they still keep calling me and sending me bills to pay up. I told them he died XX/XX/2020 they can look into the coroner 's office in Texas. My name is not on this credit card and I will not pay for it. Name of the company is XXXX XXXX Harley-Davidson Visa. The account is under XXXX XXXX. He passed away XX/XX/2020. I have sent the company knows I'll talk to people on the phone telling him that he has deceased. I will not be harassed. The amount of the bill is {$540.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78516
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I HAD BEEN MAKING PAYMENTS TO AN ATTORNEY TO HANDLE A TAX PROBLEM I HAD, AND I MADE 10 PAYMENTS THAT ADDED UP TO {$7800.00} AFTER I HAD MADE MY LAST PAYMENT I COULD NOT GET IN TOUCH WITH THEM, SO I HAD MY BSANK RECALL THE 10 PAYMENTS TO MY ACCOUNT AND THEY DID, AND THEN MY ATTORNEY CONTACTED ME AND TOLD ME THAT NOBODY WAS IN THE OFFICE BECAUSE OF COVID 19, AND WE IRONED IT OUT AND I TOLD THEM I WOULD GET A CHECK FOR THE TOTAL AMOUNT AND DELIVER IT TO THE THEM THE NEXT DAY, SO I WENT TO THE BANK AND HAD MY BANK MAKE ME A CASHIERS CHECK FOR {$7800.00} AND THEY CHARGED ME {$10.00} AND MY ACCOUNT HISTORY SHOWS ALL OF THIS, SO AFTER I DELIVERED IT, THAT SHOULD HAVE BEEN IT FINISHED, BUT IT WASNT, MY BANK STARTED PUTTING THOSE 10 TRANSACTIONS BACK IN TO THE OTHER ACOUNT AGAIN, AND I CALLED WHEN I NOTICED THIS BECAUSE THEY WERE USING THE MONEY I HAD IN MY ACCOUNT TO DO THIS AS WELL AS MONEY I DIDNT HAVE, AFTER I LET THEM KNOW THEY STARTED BRINGING BTHOSE 10 TRANSACTIONS BACK AGAIN BUT ONLY BROUGHT BACK 4 OF THEM AND THE OTHER 6 THEY DID NOT AND THEY TOLD ME THAT THE TIME ALLOTTED FOR THIS HAD BEEN EXCEEDED, AND I SAID. " WHAT? '' I AM NOT THE ONE THAT MADE THESE TRANSACTIONS, AND I DID NOT ASK FOR THIS EITHER, AND I POINTED OUT THAT THE CASHIERS CHECK THAT MY BANK MADE WAS FOR THE SAME AMOUNT, TO THE SAME PLACE? AND THEY JUST LEFT IT LIKE THAT AND LEFT ME WITH A {$5500.00} DEBT AND ARE MAKING ME THE RESPONSIBLE PERSON FOR THIS, MY BANK DID THIS WITH OUT ME KNOWING AND I WAS NOT EVEN THERE WHEN THEY DID THIS, IT WAS ALL DONE BEHIND THE COUNTER AND NOT AUTHORIZED BY ME, AND TILL THIS DAY THEY STILL IGNORE EVERY EMAIL I SEND TO THEM IN REGARDS TO THIS AND THIS HAPPENED MORE THAN A YEAR AGO, IS IS HAVING A BAD AFFECT ON MY FINANCIAL STATUS AND CREDIT, I HAVE THE DATES AND ALL THE TRANSACTIONS FOR THE AMOUNTS AND THE DAY THAT IT WAS DONE, AS WELL AS SOME EMAILS THAT I SENT TO THEM I DONT KNOW WHAT ELSE I CAN DO TO RESOLVE THIS AND EVERYTIME I CALL AND ASK ... ... THEY TURN IT AROUND AS IF I DID THE TRANSACTIONS AND I DID NOT, IT IS VERY CLEAR THAT WHAT THEY DID WAS WRONG BUT THEY WILL NOT DO ANYTHING ABOUT IT, THEY ADMITTEDE BEING WRONG WHEN THEY BEGAN PUTTING THE MONEY BACK IUNTO MY ACCOUNT THE SECOND TIME, BUT FAILED TO PUT BACK ALL OF IT please help me with this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: US Bank changed our loan without telling us and we didn't know until were sitting with the title company ready to sign. They made the loan bigger with less down payment than we had previously agreed upon without any disclosure. the loan officer told us in order to get it through their under writing process it had to be a Bigger loan amount. This is very shady process and makes more money for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX of 2020 I inquired about the forbearance plan offered at US Bank for home mortgage clients. I am a small business owner and was concerned about the pandemic affecting my income. I was reassured multiple times that their forbearance agreement would NOT affect my XXXX XXXX. I was told multiple times by US Bank representatives to " ignore '' the frequent letters mailed threatening foreclosure. They said they were automatic and not to worry. I worried. I expressed to the US Bank representatives that I started paying my mortgage prior to the 6 months. I started paying in XXXX of 2020 and have continuously made full payment. After attempting to refinance my home, it was revealed that I was still in forbearance and not made payments in months. Every statement I received in the mail showed a growing past due balance. I made multiple attempts to contact the XXXX XXXX and other US Bank representatives. They told me not to worry and that my payments were not being applied, because of the forbearance plan but they would be applied as soon as it was complete in XXXX. It was not completed, and I was told I had to show consistent payments for 3 months. I had been showing payments since XXXX of 2020. I called again and again ... the US Bank representatives told me not to worry, it would all be over in XXXX. They started applying my payments and showed my account to be current ... but ... .there is a " major derogatory '' care of US Bank on my credit, and my XXXX XXXX dropped as a result. I have reached out to the credit agencies, US Bank, the CFPB and yet ... and yet YOU ALL ARE FAILING AT FIXING THE PROBLEM. This has created so much stress and anxiety in my life. Not one of these agencies will acknowledge the problem and FIX IT!!!! You are supposed to protect consumers, and you are failing. The response I have gotten from these agencies and the Bank is absurd. I don't know what else to do except hire and attorney to make this right. I have been more than patient. FIX THE PROBLEM. I will now be contacting the news organizations and let them know that ALL OF YOU are failing at protecting consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: US bank, I just received I owed XXXX dollars, I never use US bank CARD AT ALL. .. Im not aware of it until I I received note, ..I had US BANK BEFORE XXXX or XXXX when I was working but I never use it at all, I left it, when I moved XXXX, in my bf. My XXXX XXXX Im using it, but they keep charging it till it gets to points its higher than I owe them..I dont have work for almost 4 years but they keep charging me on it.. Im full time mom,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Loss Mitigation dept at US Bank incorrectly put my account under a payment plan and is not resolving my dispute in a timely manner. In all honesty this should never have happened at all because I was never truly delinquent!! I have been jerked around for almost 2 months, more specifically in the last 5 business days by : XXXX XXXX # XXXX who has refused to take my calls even thought she is my assigned relationship manager. XXXX # XXXX who was just jerking me around telling me XXXX and XXXX werent there when in fact they were, gave conflicting information, was rude and unprofessional. XXXX # XXXX who said he was working on a resolution however has not called me back when promised as of 2 days later. XXXX ( no ID number known ) who kept me on hold for over an hour full well knowing he was not going to be transferring me to someone to assist. I have a witness, XXXX XXXX, Client Relationship Consultant at the branch I was in trying to get this resolved. I have been more than patient and I am no longer waiting, nor should I have to. This is US Banks error, not mine, and I should not be forced to wait any longer. In fact there should be nothing to research bc it never should have gone this far! I have never been late, never gave authorization or consent to a payment plan and are pretty sure this is a banking violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We are writing this letter as an official complaint against USbank and their employees based on age ( both over 65 ), race ( both XXXX ) and financial discrimination. On XX/XX/XXXX we had an appointment with XXXX XXXX, Client Relationship Consultant, and XXXX XXXX, General Manager at the USbank branch at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, California XXXX. Phone number XXXX We asked how long the loan process would take. XXXX and XXXX said that it should close by XXXX birthday ( *XXXX XXXX ). We went ahead and applied for a Home Equity Line of Credit ( HELOC ) with USbank. XXXX and XXXX were sitting side by side with us and they explained the loan would be based on equity, credit, income and debt ratio. We requested a copy of the guidelines from them, however, XXXX could not locate it on her computer. We agreed to allow XXXX to run our credit report, my wifes FICO score was XXXX and mine was XXXX. ( See exhibit A ). XXXX explained that we needed to open a checking account for automatic payment. We went ahead and completed the required application, submitted the required financial documentation and opened a checking account for {$2000.00} XXXX see exhibit B ) We wanted the maximum line of credit we could get and XXXX said we could get {$130000.00} if our home was valued at {$450000.00}. We told him that we had an existing loan of {$210000.00} and he said we could qualify for the Home Equity Line of Credit for {$130000.00}. The home appraisal that was ordered by USbank, dated XX/XX/XXXX and showed an appraised value of {$450000.00}, ( see exhibit C ). The reason for wanting a ( HELOC ) was to do some home improvement and remodel including installing an electric chair lift on our condo because my wife has balance problems. Our reason for wanting a HELOC so we could only take the money we needed and hopefully pay it back sooner. Now, we had to refinance the entire condo for {$330000.00} ( for which we qualified ) it now makes it more difficult to pay off the loan and we had to incur additional loan fees. ( see attached closing statement, ( see exhibit D ). On numerous occasions afterwards we did request a copy of the loan guidelines but never receive a copy. My wife has a real estate license and has NMLS license in California and knows how to calculate loan ratios. During this whole process with USbank, we requested the guidelines so we could see how they were calculating our income and expenses, but never received a copy. In addition, every time that they would request documentation we would supply it the same day it was requested and they kept on saying that they did not have it. After about eight weeks of waiting we were informed by XXXX that we did not qualify for the loan because our financial ratios and that the insurance and taxes were too high. We received a loan denial letter dated XX/XX/XXXX ( see attached exhibit E ) which did not make no sense and again we requested a copy of their guidelines. We petitioned the denial and they sent us another letter of denial dated XX/XX/XXXX ( see attached exhibit F ). XXXX told us that we would be receiving another denial letter by XX/XX/XXXX and we never received the letter. In addition, USbank ran another credit report without our consent. We submitted our rental agreements along with our bank statements showing the deposits and mortgage statements showing no late payments and our credit reports showing no late payments as well. All of our mortgage impound accounts pay the taxes and insurance. Attached is ( exhibit G ), a summary of finding FNMA approval showing our debt ratio, 20.19 % / 25.82 % on our refinance on our condo on a much larger loan amount. We request an investigation for being denied a home equity loan based on race, age, and financial discrimination. We were never given a good reason for the denial that made any sense and caused us to refinance our home with a 30 year with fees the HELOC did not have and pay for an appraisal. Because we had our existing loan with Guild mortgage since XXXX. We were at a point that we were paying down our principal loan amount and by refinancing with this new loan we are now mostly paying interest and not being able to lower are principal, ( exhibit H ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying since XX/XX/XXXX to obtain a Corrected XXXX Form XXXX from my mortgage lender - USBank. I had a conference call on XX/XX/XXXX with the XXXX XXXX and Customer Service XXXX XXXX to review the valid real estate property tax payments made by USBank to XXXX XXXX XXXX XXXX on my behalf. In addition to the 2 legitimate payments for my XXXX property tax liability, USBank also made a duplicate payment - in XXXX - of a XXXX property tax liability that had already been paid AND that was already reported on my XXXX Form XXXX. XXXX XXXX returned that duplicate payment to USBank. However, USBank still included the extra payment in the total balance in XXXX XXXX of my XXXX Form XXXX. Essentially, USBank reported the same payment on my XXXX and my XXXX Forms and refuses to correct the XXXX Form. I have since closed my escrow account with XXXX XXXX XXXX because the convenience of having them pay my property taxes was not worth the huge lack of customer service with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
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: XXXX loan through US Bank was not being reported to the Consumer Reporting Agencies. Satisfied, Paid In Full, With No Missed Payments ... XX/XX/2014 XXXX ( This Loan Was Not Included In The Bankruptcy Filed XX/XX/2014 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44202
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A