Date Received: 2021-03-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This does not perfectly fit your choices. What happened is the credit card bank took money from my account at another bank without authorization. When I brought to their attention, they said I would get the money back in 2 or 3 days. 7 days later I called and they said that they take more time even when it is their mistake -- which they have not challenged. It is now nine days since they took {$4500.00} without authorization and have refused to refund it in a timely manner ( or pay any interest on the funds ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a Visa Debit card from US Bank ReliaCard in the mail on XX/XX/2021. It stated to activate card before you use, I never applied for this card. On the back of the form the card came on states it is for The Ohio Unemployment Insurance Program. I filled out a form online with the credit card company ( US Bank ReliaCard ) stating that it was fraud. My identity was stolen last month & used to try & get Unemployment benefits for the state I live in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: The issue at hand has to do with an account established for me by the XXXX of Pennsylvania for the purpose of depositing my Pandemic Unemployment Benefits. On XX/XX/XXXX and XXXX of last year, my account was hacked and either {$2000.00} or {$4000.00} was stolen. I am uncertain of the amount because the monthly statements are confusing at best. A copy of my XXXX statement is attached. To their credit, the bank ( U.S. Bank ) discovered the breach and immediately froze the account, terminated my card and sent me a new one. In spite of that, it took weeks, and hours on the phone, to restore access to the account, but that's not the root of the problem. I recieved a resolution letter from the bank dated XX/XX/2020, a copy of which is also attached. It provides no information regarding the amount stolen, says that they concluded that they did nothing in error so no funds would be credited to the account. It also clearly states in the third paragraph that they will provide the documents used in their determination if I request them. Of course I want those documents so we can document the loss and the amount of the loss on our tax return in an effort to not pay income tax on money lost due to theft. I have made repeated calls to U.S. Bank 's fraud department and have been told on three occasions that they would send the documents, but none have been forthcoming. Each time, the person I spoke to said that they had no idea what I was talking about, but when I convinced them to read the letter, they promise to send the documents. At this point, I must confess, their unwillingness to send this documentation has made me suspicious. I'm wondering if any investigation actually took place or if they just decided that they would rather have me take the loss than them. It's also odd that if I withdraw more than {$1000.00} in a 24 hour period I am to pay a fee, but no fee was charged for these {$2000.00} withdrawals. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a RV Loan with US Bank that was initially in XXXX. In XXXX, US Bank offered its clients the option to participate in a COVID-19 deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. I was enrolled in the automatic draft ACH payment and was told, US Bank was unable to process a payment in XXXX, XXXX. US Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. US Bank did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, US Bank did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. US Bank indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. Attempts to contact US Bank during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33618
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/21 US Bank in XXXX XXXX, CA charged me XXXX {$36.00} = {$72.00} Overdraft Charges on check # XXXX. On XX/XX/21 I was charged another XXXX XXXX on check # XXXX. I set up the second checking account at the advise and recommendation of a bank teller. I was guaranteed that both checking accounts were linked together to avoid future Overdraft Charges. Since I was having ongoing issues related to accessing my account on line. I was informed that a technical employee would call me to assist me. Unfortunately my multiple attempts to get assistance never revealed any positive results. I made a complaint to the a manager at the XXXX XXXX Branch, but they did not do anything to help me. When I opened up the second checking account I was told that since I was a good long standing customer the bank and that I was having internet problems, they would notify me when my account was reaching a XXXX balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with U S Bank and went in to forbearance when covid hit. My wife and I were trying to be proactive instead of reactive. We were ready to come out after the three months that was agreed upon in XXXX but they extended it without permission for another three months. I called and asked how to cancel the forbearance and the story changes every time I called. First it was when you make a payment itll take you out, next it was we just need an email stating you want out, that was sent back in XXXX. Now I have over {$6000.00} in unallocated funds that obviously are not going toward my mortgage. They have just sent paperwork for me to sign and it was received by me in XXXX, but it states my first payment is due in XXXX of 2020! The amount owed for the forbearance is not accurate its off by about {$1000.00} and I do not understand how my payments have not been being applied to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a notice in the mail offering to settle on a debt and that failure to do so would result in account being sent to a 3rd party collection agency ( the letter came from a 3rd party collection agency ). I called to ask what this was about and was told it was for a debt that happened in XXXX. I told her this was paid in full a long time ago ( in XXXX ) and asked her why I was just being notified about this. She asked if I had a receipt I told her no its been XXXX years since I paid this, she told me without proof this was a valid debt so I must have paid some thing else. I told her I disputed this as has been paid and I would not be paying it and she told me thats fine her client told her to move forward with a judgement. So even if this had not been paid ( which it has ) this debt is XXXX years old why are they threatening to file a lawsuit on me? Also I know it was paid as I had to pay it in order to get it removed from XXXX XXXXnd I was unable to get a bank account until it was paid. It was also taken off my credit report when I paid it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99208
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my mortgage XX/XX/XXXX, my mortgage was transferred to US Bank. This bank has been an absolute nightmare to work with. After my mortgage was transferred my first property tax payments were due on XX/XX/XXXX. I have two parcels of land, the first parcel payment was {$1200.00} and the second parcel was {$360.00}. US bank only sent payment for the second parcel of land. I received a letter from the XXXXXXXX XXXX XXXXXXXX that my tax payment was late. I called US Bank on XX/XX/XXXX to let them know they did not pay both tax bills. I was asked to fax in the tax bills and told they would contact the city for the payment amount with fees since the payment was late and the bill would be paid within two weeks. When I logged in to pay my XXXX mortgage payment I noticed the money for the second tax payment had still not come out of my escrow account. I called US Bank on XX/XX/XXXX to let them know the taxes were still not paid. After being put on hold I was informed that the request had been lost and not processed, but they didn't know why. They had a payment amount good until XX/XX/XXXX and the payment would be overnighted to the city. On XX/XX/XXXX the city still had not received the payment so I called US bank back and they told me they were still working on processing the check, even though they had assured me it would be overnighted on the XXXX. That bill was not paid until the XXXX of XXXX. Next, I received an escrow Analysis on XX/XX/XXXX, dated XX/XX/XXXX stating that I had a shortage of {$540.00}. Looking at the statement my city taxes were input incorrectly. After everything I had been through to get the taxes on my account corrected they were still wrong. The amount of {$1000.00} was put in for both parcels of land which lead to the shortage. This number was not correct for either parcel of land. I called US Bank on XX/XX/XXXX after reading the statement to let them know of the error. I started with the escrow department because it was an escrow analysis I received, after the man I spoke to insisted that the taxes they had were correct because they received them from the city he, transferred me to the tax department to get it straightened out. The tax department told me they had the right taxes and confirmed the amount with me that was on my tax bill and told me that someone from the escrow department must have put the figures in wrong and they had to correct it on their side. I was transferred back to escrow, escrow insisted the tax department had to make a change and transferred me back to the tax dept., when the tax dept. tried to transfer me back to escrow I refused and told him that they needed to figure it out and I was not going to be transferred again. He then put me on hold, called escrow, came back and told me that I would be getting a new escrow analysis in the mail in 2 weeks with the corrected shortage and new payment amount. Two weeks came and went and I received nothing from US bank. I then called on XX/XX/XXXX and spoke to XXXX from the solutions team and told her of my previous conversation and that I had not received my new escrow analysis. She informed me that US bank does not re-do escrow analysis, as that is a lot of work for the escrow team and that she could just give me my new numbers over the phone and I could log on and pay the corrected shortage of {$190.00}. I told her I wanted a new document outlining the new payment. She told me she would order a new statement be sent. Another two weeks came and went and I never received a new statement. On XX/XX/XXXX I called back to find out where my statement was and there was no request submitted for a new statement. I didn't have another two weeks to wait for something that was never going to come so while I was on the phone with the agent, he gave me the new figures for my escrow shortage and I paid the {$190.00}. He told me once the payment cleared that my new monthly payment would be updated on the website and to give it about 7 days. I checked on the 7th business day and the payment was still not updated for me to make my payment, so I called on XX/XX/XXXX to ask that my payment be updated. The first person I talked to told me it was because I didn't pay the entire shortage, I explained to her that escrow analysis was incorrect and new figures were given to me and that I was concerned that they did not show this. After putting me on hold for 27 minutes to do research, she then transferred me to the tax department and gave them zero information, so I had to explain all over again. Then was told they could not help me, the tax department transferred me to the escrow department, who again told me I didn't pay my entire shortage, once I explained yet again that the escrow analysis was wrong, XXXX put me on hold. She came back and told me the person I spoke to on XX/XX/XXXX put notes in but did not put in a request to have my payment updated so nothing was done. Now she was reaching out to her manager to see if a rush could be put on it. My Mortgage payment is due on XX/XX/XXXX. I have been trying to get this fixed since XX/XX/XXXX and still can not get the right payment amount updated so that I can pay my mortgage. I have no faith in this bank and do not think they should be handling people 's money. Not one person I have spoken to has given me correct information or done anything they told me they were going to do. I can not believe a bank is allowed to do business like this and the consumer has no recourse to such poor management on arguably the largest purchase anyone will make.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a victim of identity theft, I am writing to dispute [ a ] fraudulent charge ( s ) on my account on Us Bank, XXXX XXXX XXXX XXXX and XXXX XXXX .I am a victim of identity theft, and I did not make charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed in a rental scam. The guy had assumed someone elses identity and proposed renting a house to me. I sent {$1000.00} for deposit via XXXX. Then the next day the guy wanted more. Then I knew I had been duped. I immediately sent to US bank fraud department. They stated the transaction was legitimate and will not refund my money. Transaction occurred on XX/XX/21. US bank would not send me records of their investigation. They just said in a letter that transaction was legitimate and not refunding money. I called fraud again and they will not send me information about investigation. I attached some screen shots. He had me fill out application sent via email. The XXXX account he created I. The fake identity wifes name. He had a lot of information on the identity he stole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A