Date Received: 2021-01-24
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: XX/XX/XXXX Went to US Bank, to get my bank statement on my closed account, also i have other account there, they charged me {$6.00} for each month ( I ask 6 months {$36.00} ), and they ask cash only, they don't let me use other account to pay, i have to take money out, they want cash only, after i payed they just give back my ID, no receipt, i ask them give me a receipt, reluctantly give a receipt, on the receipt transaction type is : miscellaneous fee. 30 mins late still didnt get email from US Bank, so i call US Bank service ( XXXX ), they send me the statement by email with no charged, i ask the US bank service do i have to pay for the statement, the answer is no. so i go back to US bank, ask them why i have to pay for the statement, was three different worker tell me they always charged for statement, doesnt matter the account is open or closed, doesnt matter print or email, and whatever the us bank service said is not truth, they don't want to return the {$36.00}, why the us bank want cash only? why the receipt transaction type is miscellaneous fee? I was closed my account around XX/XX/XXXX, maybe overpay to my credit card or other reason, still have {$240.00} in the closed account, i go to the bank ask for help, they tell me 'they can't help me, i have to call the credit card company. U.S. Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Branch : XXXX I just want to know if this bank violated the rules and charged fees that should't be charged, thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I just discovered that in 2020, US Bank charged me 17 overdraft fees, {$36.00} each, totaling {$610.00} dollars. Sometimes they charged me over {$100.00} a day just in overdraft fees. I never approved " overdraft protection '' and am concerned that they tricked me into it during a sales call. I'm a senior citizen and my husband died of XXXX this year. I had lots of calls to try and sort out what to do now, and I'm hoping that they didn't switch it then. I tried to call US Bank and was given the run-around. I asked my son-in-law to help me turn off the fees, and he's trying to help since the company won't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I used a 0 % balance transfer offer from my US Bank Visa card in order to spread out a {$4000.00} bill. ( I paid the transfer fee of XXXX right away and paid each month thereafter to shrink the balance. ) The monthly bank statements stated EXPIRES WITH STATEMENT XX/XX/2021, which struck me as vague -- no actual due date. I thought the balance due would be owed once I received my XXXX statement. Thankfully, I called and learned that the balance was actually due by XXXX XXXX. Had I waited for the XXXX statement, I would have owed hundreds in interest fees. I feel it is very deceptive to include the vague " expires with statement '' phrase. The bills should include an actual due date, unless the bank is purposely trying to trap people into owing fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44256
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My fiance and I had no choice but to defer our mortgage payments due to XXXX. We are first time buyers and most of our nest egg went to our down payment and closing costs. We only ended up missing about XXXX months payments, and when it came time for us to resume our payments, we gladly accepted the loan modification agreement. We took time off work and got our documents notarized at the bank and mailed them back in the envelope provided by US Bank. The documents were never received and I was not notified, and then began receiving phone calls from debt XXXX asking me to pay my balance. I informed them I had signed a loan modification, and then disconnected the calls. I finally contacted US Bank to question when I would stop receiving debt collector calls and thats when I was told I would not be eligible for the loan modification due to failure to return documents. But I did return them it was not my fault they were never received. I was then sent a second set of documents, my fiance and I tried again at the bank getting them notarized and sent back. They were denied again due to my fiance not signing the proper name and the signatures not being legible. US Bank created multiple aliases for my fiance on their own accord, including his : First name, middle name, and last name XXXX initial, middle name, and last name XXXX name and last name Because he didnt sign all XXXX names, our documents were refused AGAIN. I only found this out from a phone call I placed to US Bank, they did not contact me. We were sent yet another set of documents and took yet another day off of work to get to the notary. My fiance signed all XXXX names to the best of his ability on the small line they provided for him to do so. We sent them back the same day, and yesterday, XX/XX/21, I called US Bank to check on the documents. They were refused again. Why? The first representative I spoke to said their underwriting department refused them because he did not fit them all onto XXXX line. I questioned this, saying it was absurd they expected him to sign XXXX names, including XXXX between each on XXXX small signature line, legibly. I asked to speak to the underwriting department, I was told this can not be done. I asked to speak to my relationship XXXX, the representative told me she would connect me and actually just transferred me back to the general customer service line. The next representative I spoke to told me my fiance did not sign all XXXX names in the proper order. This left me incredibly confused with no clear answer. I just want my paperwork to be accepted so I can resume paying my mortgage. I can not afford to keep taking time off work to get to the notary on time. I can not risk losing my home, and I can not get a clear answer from US Bank as to why they are making this so difficult. I find this practice to be predatory, as there is no clear guidance on how to properly complete these documents. I also find it unethical how I can not speak to a XXXX to explain or assist with my documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I Filled In XXXX And I Haven't Received No Benefits Yet
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71202
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied for forbearance on this loan back in XX/XX/XXXX for net 6-7 months. After this period ended i contacted customer service to do repayment plan so that this amount be rollover at the end of my loan period! everything got set up and i was good to go and continue making my payments once again. Next due date came in i was not able to do a payment so after multiple phone calls i still wasn't to make a payment due some loan issues. Next month due date came and same thing happened after hours on the phone with customer representatives. all this time i did 2 payments with the voice machine operator ( only way i could have submit a payment because i didn't wanted the amount i owe to be increasing which somehow it did because the forbearance never ended apparently. No one from their team figure out that i was still on forbearance all this time and never fixed my account after numerous phone calls by me for them to fix my account and receive an official letter where it states everything that happened with my loan during Covid 19 times. After 9 months of thee problems now there is home insurance policy issue where my amount is not to the correct amount that should be and i needed to bump that up and plus a detached structure came out on their radar after 2 years of the closing of this property! this is ridiculous! i now need to take a survey and elevation certificate so that insurance company can cover the SHED for XXXX $ where after i asked them where did they get with this amount the poor lady said i really don't know what the structure is but this is the amount!! how someone can value something if they don't know what is it?! i cant deal with this bank anymore and i already lost hours and hours calling their not proper educated personal which they do inadequate job. Last phone call made on XX/XX/XXXX was to inform them that i have their policy amount to the level that they want but poor customer service agent didn't know where to direct my call and transferred my call 4 times to 4 different departments and no one knew how can i send them the new policy where it states that now my home is covered with the amount they want! 20 minutes lost and i had to hang up because my nerves are quitting after 9 months of horrible bank experience from the moment my loan was sold from federal bank to US bank. Short story long my loan is still under forbearance with money that i owe still pilling up and none from their department even cares about this or try to contact me and reach out for the documents THEY need and not me. Saddened that these financial institutions are given a chance to lead the American people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: I got my unemployment pay on a US Bank Relia Card debit card from Texas Workforce Commission and set up my online access to the card and about two weeks after getting the card set up I was going to buy a truculent with the funds, well I go to the ATM to withdraw the money and the ATM told me wrong Pin Code so I tried again same thing wrong pin so I grab my phone at the ATM try to log into the app for US Bank Relia Card and the app tells me wrong Username and password so I knew my account had been hacked because I did not change my username or password do I called US Bank Relia Card standing rite there at the ATM had them lock my account rite then they started asking me about some transactions and I told them the transactions that wasnt mine and we proceeded with the dispute well they send me the dispute papers for me to sign and return I got them about 10 days later I signed them and returned them while calling Relia Card almost Daily Collecting Information and they tell me the transactions the dates and type of transactions and tell me a email address to the person who did this and even proceed to tell me how whoever has put in an address change and I tell them that isnt me I did not put in for a address change so they have me send my Id to be verified so I sent the Id numerous times bc they would claim they did not get it or I was given the wrong fax number even by a supervisor so this hold on my card started XXXX XXXX and as of today XX/XX/2021 my card is still locked due to my card having more money taken from it again the first time it was two transactions for XXXX each totaling XXXX dollars the second time it was XXXX transactions totaling XXXX dollars for a grand total of XXXX XXXX XXXX XXXX XXXX Dollars and just to be told again they did not see any foul play in my account when I was on the phone with a representative from US Bank Relia Card on XXXX XXXX and he was the one told me that money was being removed from my account rite now while we was on the phone but yet they tell me they did not see any foul play in my account I believe this US Bank Relia Card should be Responsible for replacing all of my money that was done by bank transfer because if you trace the bank accounts you will come to find out that is not me and I feel that Relia Card did not do any investigation at all in my case do they do not have to pay the money back so if someone can look into this further for me I would appreciate it a lot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I went to us bank for one more attempt for home loan I gave him all the info even got letter from job, it buy itself was a task He said that's all we need, I cant count how many times I heard that After I got that he said he need my car payment knocked down I forgot to mention he started acting out, right after I talked to his management so I'm still sitting over my brother looking for help with my home buying process please if you can help please do something Now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: US Bank ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) misdirected my bank statements to an unauthorized address in XXXX XXXX, VA from XX/XX/XXXX to XX/XX/XXXX which is a breach of FDIC privacy law. US Bank claims they received an address change from the US Postal Service but I spoke with XXXX XXXX of the USPS Consumer and Industrial Contacts Dept. ( XXXX ) on XX/XX/XXXX who assured me that that as long as I continued to receive mail at the current correct address ( which I did ) that it could not be an official change because all of my mail would have been diverted to the other address in VA ( which it was not ). I spoke with XXXX XXXX at USPS on XX/XX/XXXX who checked their database and found no record of an address change and spoke again on XX/XX/XXXX with XXXX who also confirmed that no Change of Address was ever processed at the USPS. I then mailed an envelope to my own business address which was delivered by the US Postal Service on the following business day without problem or misdirection. I have been corresponding with US Bank XXXX Customer Service address in XXXX, WI since XX/XX/XXXX trying to resolve this matter by paying the principal balance ( {$670.00} ) on my Business Reserve Line of Credit and proposing a compromise on the interest ( during the period of time that my statements were misdirected ). I spoke with XXXX XXXX, Branch Manager of the local US Bank on XXXX XXXX XXXX XXXX ) on XX/XX/XXXX who indicated that he had authority to waive the interest charges and called his " boss '' for authorization but they declined to negotiate in good faith. My account with US Bank was closed in XX/XX/XXXX and no disclosure of an open balance on the Reserve Line was mentioned at the time. I was unaware of it since my partner XXXX XXXX primarily handled the account and has since died of XXXX. I acknowledge my fiduciary responsibility for the debt and have repaid the principal in full. They are denying any culpability by blaming the USPS for supplying the change of address which I never authorized and the USPS never processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55418
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A