Date Received: 2023-11-21
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I received a letter dated XX/XX/XXXX from my local tax authority telling me my escrowed property taxes for XXXX were paid late. As of the writing of that letter, my mortgage company had only submitted one half of the taxes due for my home, and I had been charged an extra {$180.00} for paying late. The first of two payments was due XX/XX/XXXX and was paid several months late on XX/XX/. I called on XXXX, XXXX XXXX to get more information about why these payments were late and to have US Bank cover the late fees since this was due to an error on their end ( I've made every mortgage payment on time ). At that time, they told me they'd made all my payments on time and that they'd investigate the issue and get back to me. They told me I'd hear back from them within 10 business days, but I have not heard back yet. A new tax disbursement dated XX/XX/XXXX has shown up in my online portal. This payment was due on XX/XX/XXXX according to my county. I'm also unsure whether or not the {$180.00} will be paid by the mortgage servicer or not, as that has not been communicated to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55417
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I bank with USBANK. There was an unauthorized XXXX transition for {$2300.00}. I contacted USBank fraud liaison immediately ( same day ) of this fraud. Two weeks later they stated my request was denied. Need a refund for full amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Please see attached... Please take the time to go through it and you will see the violations, fraud, deceptions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I recently requested to remove escrow account from mortgage account and my lender is charging me {$650.00} to remove escrow account. Is that reasonable to charge {$650.00} to consumer? And also lender didnt disclose the option at closing either to have an escrow account with conventional loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Negative impact of inaccurate appraisal
Consumer Complaint: I am writing to you to seek your assistance in resolving a series of unprofessional and possibly illegal actions involving XXXX XXXX, the Loan Officer, and XXXX XXXX, the Supervising Lender at U.S. Bank in XXXX. I recently went into contract for a house in XXXX and was set to close this winter. However, my appraisal came up {$40000.00} under the purchase price from my original lender, XXXX XXXX. As written into my purchase agreement, the seller rewuired that I qualify through their personal lender, XXXX XXXX, at U.S. Bank. Immediately, XXXX XXXX had another employee ( XXXX XXXX at U.S. Bank ), conduct an unsupervised appraisal to qualify me for the exact purchase price. I grew suspicious when I noticed that the appraisal used a combination of outdated sales, homes in more expensive neighborhoods, and homes with substantially more features than the subject property, which was further confirmed by my agent and a representative of XXXX. When I questioned XXXX XXXX about the appraisal, he became hostile over the phone and grew belligerent, accusing me of putting " demerits '' on his record. I contacted a Mortgage XXXX, XXXX XXXX, to explain my issue and seek his assistance. Initially, XXXX XXXX informed me that appraisals at U.S. Bank should have a reviewer ( which this one didn't appear to have ) and that he would look into it, but that did not happen. Because my issue with the appraisal was never resolved, when the expiration of my finance cotinigency agreement came and I still never heard from XXXX XXXX, I requested my lawyer to contact the seller and cancel my purchase agreement. Within hours of requesting the contract cancellation to the seller, the attorney contacted XXXX XXXX, who provided the attorney with my private account information ( without my permission ). Shortly after, XXXX XXXX called me, screaming that I was getting him in trouble and repeatedly implying that I was unintelligent. He threatened that I had to submit several additional documents ( that they never requested prior ) by the next business morning or that they would tell the seller that I never completed my application. XXXX XXXX also disclosed to the seller 's lawyer that my XXXX taxes were never filed, which the seller 's lawyer used as their sole reason for denying my request to cancel the purchase agreement. This factually incorrect information provided by U.S. Bank and the following malicious acts have now cost me my entire deposit of {$56000.00} plus additional legal fees. What the employees at U.S. Bank did has put me in a financial hole, caused me significant mental and physical distress, and has stripped me of my dreams of owning a home in XXXX, as I didn't have a lot of money saved up. The bottom line is that XXXX XXXX, XXXX XXXX, and XXXX XXXX behaved maliciously and not in my best interest as their customer. This includes falsifying an appraisal, neglecting my application for weeks, becoming hostile over the phone when I questioned the appraisal, sharing my personal banking information with a third party, and finally, lying to the seller about my incomplete application status. I am willing to provide any necessary documentation to support my claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on my Elan credit card on XX/XX/XX/XX/XXXXin the amount of {$3500.00}. The disclosure statement stated that payments made after XXXX CT would be credited on the next business day. When I checked my credit card account it showed the payment being processed but my funds availability did not show the payment amount. When I called Elan they informed me since I used a different checking account to make the payment, they placed a seven day hold before the payment would be available for me to access the credit card funds available. My checking account bank shows the funds have left my account. Elan staff stated that they received the funds from my bank, but their system automatically placed a seven day hold on my funds. Elan staff acknowledged that the seven day hold on processing payments is not readily disclosed to the customers. Elan told me to contact my checking account bank and have them fax them a verification that the funds were paid to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16066
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a gift card for {$200.00} as a gift. The card was given to me in an unopened, original package. I tried to use the debit card at a retailer and was denied. I then went to their website to register the card at XXXX. I was not allowed to register the new card since I was told it was already registered to someone else. I contacted the customer service department and they told me to fax evidence of ownership including pictures of my ID and both sides of the card. I also included my contact information in the event they needed to reach out to me. The customer service department asked for this information to establish ownership. The first fax was sent of XX/XX/23. I called a few days later and they told me the fax was too blurry and to send another which I did on XXXX. I called again today and was told my new fax was too blurry as well. ( Today is the XXXX of XXXX. ) I have never received any information without initiating calls on my end. It is apparent to me that prepaidgiftbalance.com has no intention of replacing or activating this card. Instead, their intention is to wear me out so they can keep the {$200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX between XXXX and XXXX XXXX XXXX I deposited a check into a US Bank ATM at my local branch in the amount of {$2900.00}. After using the tap method with my debit card and entering the PIN number I was able to select deposit in my checking account. The feeder opened up and I placed my check into the feeder. After the ATM took my check during the transaction it went offline and started rebooting before I could confirm the amount and get a receipt. I called my local bank branch and they instructed me to call US Bank customer service line since that local branch doesn't service their own ATM. I call the customer service line on XX/XX/XXXX at XXXXXXXX XXXX XXXX to file a ATM error claim. I relayed all the information and the agent said " there was no record of any transaction or attempted transaction on my account. '' However, how was the ATM able to take a check from me if I didn't enter in my card information and PIN number? I was told the bank had XXXX business days to conduct an investigation. On XX/XX/XXXX a representative by the name of XXXX left a voicemail stating they needed more information about the claim. They wanted to know the card method I used which was the tap method and the last XXXX digits of my debit card. I returned the call and got her answering service and left a message giving the information requested and reiterated that I did not insert my card I used the tap method. All of this information was previously provided on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating my claim has been denied because they were unable to locate my deposit. I called US bank customer service and requested information on why it was denied and the agent could not give me an answer be there was no information in my file other than an agent reached out to me on XX/XX/XXXX. I deposited a check into a US Bank ATM at my local branch, the only branch in this city and US Bank claims they can not locate a check that their ATM took in the amount of {$2900.00}. I have been without access to my money for XXXX business days no explanation. There are cameras at the ATM and I'm not sure if they were even looked at because my filed was not updated with any information it was just denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XXXX XXXX on XX/XX/2023. I Never receive a XXXX, a car or anything from them .and the same with XXXX XXXX XXXX XXXX XXXX Definitely XX/XX/2023 I never received anything from Them either.onemain finance XXXX XXXX, XXXX XXXX, XXXX, I never received anything from them or gave them people consent to do anything to my for me and it's one collection that already been paid and the still trying to collect my name is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX is my address and thing else is false. 15 U.S.C 6801-6802, I NEED THESE 5 HARD INQ REMOVED XXXX NOT XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30286
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I've subscribed to XXXX grocery for years. Chose 2 % groceries reward. Only get 1 %. US Bank says it's merchant 's fault. Says up to merchant to say it's for groceries. US Bank 's own website says XXXX qualifies for grocery rewards. I think people are owed millions in rewards they are not getting no matter if it's US Bank 's fault or the merchants. I even asked US Bank what would happen if I bought groceries from XXXX XXXX and they said they wouldn't know until after I made a purchase to see how the merchant described my purchase. Ridiculous! People are getting screwed and I'm surprised a law firm has not started a class action over this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54650
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A