Date Received: 2021-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 I called US Bank and ask to be removed from the forbearance and I applied for the FHA reduce income documentation combo modification/ Covid -19 Hamp at 3 % monthly mortgage {$1300.00} and the balance will be added to the back of the loan extended the loan for 2 years. XXXX was told I would have to send them my pay statement. I emailed my pay statement the next day. I also received a letter via mail that is also posted on my online account in reference to the modification loan. I called to check on my payment dates and was told that I called and ask that my application be removed from the modification loan. I explained to the US Bank agent that I never called and stated no such thing. I asked to speak with a supervisor and was sent to the automated voice system to start the call over twice then twice the call was dropped. I spoke with supervisor XXXX XXXX. XXXX stated that she would put me in the modification program with the same terms and rate of 3.00 % and that she would speak with her supervisor to have it expedited. XX/XX/2021. I am now receiving calls asking for the full payment almost daily. I have asked them not to call because I am at work and they must read the notes on the file to see that I am in modification status. After calling US bank for weeks and sometimes twice weekly being hung up on or sending me back to the automated voice system to start all over to speak with a representative. XXXX XXXX informs me she has to resubmit the application for the modification loan on XX/XX/2021. I was very upset and scared that I was going to lose my home where I reside with my children. XXXX assured me that wouldn't happen. on XX/XX/2021 I received a letter from US Bank on my online account asking that I submit my pay statements. I submitted 4 pay statements and was sent a confirmation email confirming they were received. XX/XX/2021 A Rep from US Bank called me today to ask for payment of the full amount. I informed the rep of the modification and was told by the rep that I called to be removed on XX/XX/2021, I told the representative that I never called and stated that. She was transferring me to someone that could assist me but when the rep came to the line he hung up. XX/XX/2021 Spoke with XXXX XXXX from US Bank on XX/XX/2021, and was told I called on XX/XX/2021 to say I was no longer interested in the modification loan. I never called and stated no such thing. XXXX stated that he spoke with his supervisor that will put me back in for the modification hemp documentation combo loan with the same rate 3.00 % I called right back after my call ended with XXXX to speak with XXXX XXXX. The representative placed me on hold then came back to said to me that XXXX XXXX state that she sees the issue and make the correction and send it to her supervisor to have it expedited right away and will call me back when she is available. I owe XXXX towards my mortgage. In XXXX when I called I was not that far behind, since then I have called twice to make payments and was told not to pay anything yet this is also on a recording from the bank. I do not want US Bank to try and take my home. I have worked very hard to get this house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Someone fraudulently filed unemployment in my name. I filed fraud with the Unemployment line and then still received a US BANK Reliacard stating it was for my unemployment benefits. I did NOT FILE. I do not want ANYONE TO HAVe ACCESS to an account. I can not reach a HUMAN BEING. I want this account closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX : I opened a Regulation E claim with US Bank regarding a XXXX XXXX transaction the receiver did not receive. I waited 10 business days in order to receive written confirmation of my claim. I never received any written communication. I also waited for provisional credit since a resolution was not provided within the initial 10 business day period. I never received provisional credit. XX/XX/ : I called US bank and was transferred to a total of 4 people before being told that they could not assist me as the money was processed. I expressed again that the recipient did not receive the funds and asked where is the confirmation from XXXX XXXX confirming receipt. I was again told that they could not help me and to call XXXX. I spoke to XXXX at XXXX who confirmed that the claim should be processed by the originating XXXX Partner US Bank, not the receiving partner XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95973
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
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: I I have received the statement from US bank dated XX/XX/XXXX on about XX/XX/XXXX due to Covid mailing delays. The account is HELOC XXXX. The due payment date was XX/XX/XXXX, past the date I have received the mail. Min pmt was {$130.00} and balance of {$3700.00}. I have called US Bank immediately and informed that I made a payment from XXXX in the amount of {$3700.00}. Apparently XXXX delayed the transfer of funds. But they were eventually received by US bank. On XX/XX/XXXX I have asked for the final for final pay off and removal of the late fee of {$29.00}. The fee was removed later and the rep quoted the balance of {$140.00}. I have made this payment on XX/XX/XXXX via online transfer from XXXX XXXXhecking account. I assumed that my account was completely paid off. To entice me to use US Bank HELOC, US bank makes me promotional offer to lock the account with fixed rate of 2.7 % for 36 mo, as long as I spend $ XXXXby XXXX XXXX. Which I did on XX/XX/XXXX On about XX/XX/XXXX I called US Bank to verify the promo rate of 2.7 %. I was told by US rep that this did not take place and my account was suspended due to the late payment of {$5.00} on {$150000.00} HELOC. As of XX/XX/XXXX I have not received any statement showing that I still had a balance on the account that I paid off on XX/XX/XXXX based on the information provided by US bank. I took care immediately over the phone of {$5.00}, conf # XXXX On XX/XX/XXXX I have received cashiers check for {$29.00} dated XX/XX/XXXX as an overpayment on the account On XX/XX/XXXX I have paid off {$2000.00} since the US Bank did not fulfill its obligations to honor promo fixed rate of 2.7 % On XX/XX/XXXX I was alerted by credit monitoring agency that have late pmt posted on my credit report from US bank. I have checked XXXX and saw that US bank reported XXXX as late payment even though I have not yet received XXXX payment yet and next payment due date was XX/XX/XXXX with min of {$5.00} due that I have paid on XX/XX/XXXX with confirmation number provided above On XX/XX/XXXX I have called US bank and opened a credit dispute case XXXX. On XX/XX/XXXX I have received in mail ( I have kept original envelopes ) 3 letters from US Bank dated XX/XX/XXXX : 1. Account summary with min payment due of XXXX by XX/XX/XXXX. I have paid this amount on XX/XX/XXXX 2. Letter dated XX/XX/XXXX informing about past due amount of {$0.00} with a threat to suspend an account if this {$0.00} is not paid by XX/XX/XXXX 3. Letter from US bank dated XX/XX/XXXX with reference code 122 stating that US bank reported {$0.00} to credit agency as late payment. I work for XXXX XXXX XXXX and we treat this amount as a rounding error during pay off. It certainly did not grant the right to US without courtesy of trying to collect {$0.00} from me I have mainted my FICO 820-850 my entire life. To be reported to burp for {$0.00} due on XX/XX/XXXX while US bank send me on XX/XX/XXXX cashiers check for {$29.00} overpayment, is simply radiculous. I request your assistance to remove reported late charge of {$0.00} from all 3 buros as it significantly impacted my credit score. I understand mistakes happen. Never less, what I have experience with US Bank, ie late fees during Covid due to delays in US mail outside of my control, bait and switch offer to entice me to spend {$2000.00} with US bank in exchange of the better rate that never materialized, and late payment reporting of {$0.00} in XXXX while the payment was due on XX/XX/XXXX and is round error of the pay off amount, is beyond any reasonable explanation and I consider these practices predatory and in violation of my consumer rights in the State of CA. I have received today result of XXXX investigation refusing to remove the late charge from my buro and advising to resolve with US bank. They have received my case on XX/XX/XXXX via fax from the local branch with all supporting documentation. I am asking your assistance to investigate predatory lending practices and bate and switch offer of US Bank, late fee charges during Covid beyond my control and removal of late payment record for this banker from all 3 buros. You help is appreciated. I have all supporting documentation, phone records and copies of the postal envelopes that have no mailing dates and were delivered to me with significant delays. Additionally I the account was overpaid by {$29.00}, US bank could withheld {$0.00} and refund me the balance. This would avoid this entire mess. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2020, I lost my wallet for several hours while under the influence of alcohol. During that time an imposter went to XXXX in XXXX and attempted to use my corporate XXXX XXXX to make a large purchase which was denied immediately by XXXX. They then used a different credit card ( Fidelity/Elan Services ) to purchase {$5700.00} in items. The imposter also tried to make additional purchases at XXXX XXXX XXXX which was denied by Fidelity/Elan Services, although no notification or alert was sent to me. When the wallet was found I was unaware of such charges since all credit cards were there. When I found out about the charge to XXXX posted on my account I immediately contacted card member services and reported it as fraud. The transaction amount was temporarily refunded until XX/XX/XXXX. I received a letter from Elan Card Member Services stating the transaction had been reversed and I was liable for the purchase and listed the following reason " The card was used by an individual that you had previously authorized to use the card and did not notify us that the person was no longer authorized. '' I've contacted card member services and was informed the case had been closed even though it had never been reviewed by an independent agency. I do not believe XXXX XXXX XXXX XXXX has conducted a reasonable investigation according to the XXXX 'Regulation Z '. After several months of repeated phone calls to case processors and supervisors, the company is unwilling to take the steps necessary to properly investigate this case, including but not limited to, acceptance and examination of the police report, examination of the credit card receipt in which must identify the cardholder or authorized user, review of prior purchasing patterns and locations. Furthermore, when I requested documentation of the reasonable investigation I was denied and told to write a letter to the office of the president for any further communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX I discovered my checking account at US Bank had been closed without notice, so I went to my local branch here in Nevada and asked why, They said " your account was closed do to 3 suspicious Unemployment checks from the state of Florida being deposited in your account ". We returned to the local branch a week later to get an update and hopefully get our money, They said it could take a couple months to get a resolution. So I waited 2 months and called the Fraud Department at US Bank. Now, the Fraud Department at US BANK says it could take up to a year and until the depositor claims those unemployment checks, I might never get anything back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: My wife was called by a blocked number and was told that We needed to call XXXX due to this person trying to serve lawsuit paperwork and it was returned. I was given an account number that appears to be fake. When I called, they said they were suing me for a US BANK account that I owed on. I replied with, '' I have never had a US Bank checking account ''. They then stated they had proof of me walking into a US Bank XXXX in XXXX of 2002 ( 2002 is not a type XXXX. I replied with, " even if I would have had an account over 19 years ago ... wouldn't the statute of limitations kick in seeing as this is the first time I have ever heard about it? The person on the other end of the phone stated, " There is no statute of limitations and we will sue you for all of your assets ''. They said they would see me in court and hung up the phone. I then called US Bank directly and asked if I had any delinquent accounts or if I had ever had a checking/savings account with them back in 2002 and the representative said, " No, we do not show you have had an account nor any delinquencies ''. I tried calling the XXXX back to see if I could get more information and they had me on hold for a while and then hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US Bancorp, inquires on XXXX XXXX and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I advised US bank that fraud occurred on my account on XX/XX/21. They have yet to provide credit or resolution. I have spoken with them multiple agents. Have been provided incorrect information several times as it relates to the timeframe that credit or resolution would be completed. They charged fees for the transactions which had a negative impact on me. The withholding of funds has also had a detrimental effect on my self and family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect information showing in my credit report it has been well over 30 days and I haven't received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A