Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through US Bank Home Mortgage. In XX/XX/XXXX US Bank Home Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone tried to obtain an auto loan without my knowledge nor consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: Back in XXXX I moved. I put notification in with The Texas Workforce Commission as well as with USBank Reliacard. After receiving my unemployment payment thru the TWC, I went to make my usual ATM withdraw to a late water bill before disconnection occurred and my card declined. After contacting US bank I was informed that I needed to verify my identity with the bank because of my address change. I have provided all required documents needed and required to verify myself. I have sent info to USBank via text message link, website & sent by Fax. I was informed it would take XXXX days for verification to occur and i would hear something by that time. It has been over 4weeks. My water was disconnected and is still disconnected. My account is still " Frozen '', they haven't released my unemployment payment and will not share any information with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting called about debt its been seven years and debt is still being reported. As a result I am unable to purchase a home. Also I was contacted by IRS and was force to pay the IRS because the credit card debt was charged off and taxed as chargeable income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 877XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Since XX/XX/XXXX I was offered an option to postpone payments due to pandemic. I accepted a six month extension which expired in XXXX. Since XXXX I have been attempting to process this loan modification documents with no success. Every time we submit documents, there is always a discrepancy found. Either a missing signature, we did not sign correctly and so on. They were kind enough to send their notary public and still the documents were declined. Up to this day XX/XX/XXXX we are still waiting for approval of these documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78577
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My wife received numerous calls asking for personal information. They would not identify themselves or what company they were from. My wife asked for a supervisor and the supervisor identified themselves as US Bank only after repeated questioning. We did not give them any info. I contacted US Bank and have no issues with any of my US Bank accounts. US Bank said they never contact people by phone over issues and thaqt this was fraud. Fraud telephone number is XXXX. Thank you XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55305
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: To Whom it May Concern : My son found an old gift card ( MasterCard ) with an expiration date of XX/XX/XXXX. I have been unable to get any information on the card. The customer service No. is ( XXXX ) XXXX and the site is : XXXX I was unable to get a hold of anyone. The system does not recognize my card and it places you in a loop to report it " lost or stolen '' or alternatively enter the account number again. I can't tell if the card has been used. I can't get a transaction history. From what I understand from my son, he cleaned his room and found the card. I don't believe that he ever used it, but I can not verify. I know that in California, Cal. Civil Code 1749.5 Expiration date is prohibited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: USbank closed my account but did not delete my information. It is unlawful. I need them to delete all my account information on my online banking. They closed both my checking and credit card account. The checking account information has been deleted, but the information of my credit card still remains on my online banking account. It has my name, address, phone number and all important informations. USbank does not provide any reason to close my account. That is fine, although this is stupid because I did not violate anything. But I have the right to require them to delete all my personal information online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hello I received a Reliacard from US Bank that was not requested and I do not have any benefits from the State of Colorado that were requested or that should be coming to me. Someone applied in my name for benefits that are fraudulent request. Please make sure the card is dicontinued and any funds placed in the account returned to sender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: US bank deactivated my reliacard for " inactivity '' even though it had been active up until the date they deactivated it. Then they refused to reactivate it until I submit an ID to them and a selfie. They only made this option available via smartphones and tablets via a software application that does not work on my only smartphone. I have called them and they refused to allow me to try an alternative method. They are refusing to reactivate my account and give me access to my funds or close my account and deliver a check to me for the remaining balance. They have effectively stolen over {$400.00} from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A